What's important to you?

Freedom?...Security?...Opportunity?

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What do you value?

Time?...Community?....Relationships?

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What makes you fulfilled?

Caring?....Sharing?....Believing?

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What brings you joy?

Creating?....Experiencing?....Living?

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And how much is enough?

To live a fulfilling life full of meaning and joy?

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Neligan Financial
The problem is you don’t have the time to dedicate to planning for life after work and you don't know what you don't know.
The problem with this is that you may not have enough money when you come to retire.
The problem with this is that you may have to work longer than you want or limit what you do in retirement.
The solution is to talk to someone who is motivated by seeing people achieve what matters most to them in life, has years of experience helping clients plan for their ideal retirement and who is one of a small group of the most highly qualified planners in the UK.

 

 

Neligan Financial enables Exeter's and East Devon's business owners to live a life of real wealth and purpose.

 

It's about helping you work out how much is enough to live the life you really want without money worries.

 

About You

Neligan Financial was established to help Exeter's business owners visualise, plan for and achieve their ideal retirement without money worries.


You have worked hard all your career to build your own successful business and are enjoying the fruits of that labour.


Your children have either flown the nest or are nearing the end of their education and so your thoughts are beginning to turn towards your future and what's next.

Benefits To You

Forecasting Your Financial Future

Will you have enough?

 

Planning Your Future

Putting in place actions to make sure you can live the lifestyle you want without money worries.

 

Ensuring Financial Security

Ensuring you and your family are financially secure whatever happens.

 

Minimising Tax

Using your business to support your personal goals.

What They Say

Very much appreciated the ‘up front’ cost for the advice. As it happened we did not change our investments, so there was no hard sell of products just to make some commission. The computer-based tool was very flexible, easy to follow and we could tweak assumptions as much as we wanted. Andrew answered our questions in a language we could follow and was patient throughout. End result was peace of mind for us.

Alasdair & Jenny M, Surrey

Andrew has done a great job of helping us financially plan our future and meet our financial goals. This has included detailed scenario planning and forecasting of our future wealth based on potential life decisions and events such as retiring early, private eduction, etc. Andrew has also ensured we keep a balanced level of risk in our investment portfolio to ensure we maximise our hard earned savings without over exposure to unnecessary risk.

Martin & Anne, Surrey

Andrew did an excellent job of career/lifetime financial planning, taking a commonsense and personally engaged approach. I was confident that he wanted to produce a sensible, workable plan, and was not simply trying to sell financial products. Approachable and sensible. Excellent to work with.

David, London

Andrew completely ‘got’ me, my situation and goals. He is happy to spend the time, never rushed, always fully focused. Always responsive on email and to queries. I had little time to do the essential early background work that only I could do and he had endless patience, and just the right approach, on this and had a good way of prompting, without being pushy. He’s a nice person too which makes such a difference!

Helen, London

Andrew has looked after our investments exceptionally well for a number of years, and has always been quick to reply with sound advice to any queries raised. He never tries to ‘pass the buck’, and always makes himself available to speak with you which is exactly what I think is essential with a business relationship.His advice has proven reliable, down to earth and unbiased, and he does not procrastinate which is important. In addition to his efficiency and expertise, he has a very pleasant personality.We would not hesitate to recommend him.

Sally, Surrey

We found Andrew to be friendly and approachable. Although we had money to invest he pointed out that given our circumstances we didn’t necessarily need to do so if we wanted to avoid risk. There was no sell hard or otherwise of products or investments obviously a big advantage of paying for advice rather than commission based sales.

The lifetime financial plan we paid for is a very useful document well worth doing. We have a clear understanding of our financial situation now and for the future.

Martin, Surrey

I wanted to understand whether my finances (and my husband’s) would be sufficient to cover an early retirement or whether I would need to keep on working for another few years. Andrew was able to demonstrate that the savings we had made throughout our lives together with our pension provisions were substantial enough to allow for early retirement – which was an amazing feeling and has allowed us to follow our dream and go travelling whilst we still have our health. Andrew gave us advice on pensions.

I was very negative when I started the process as I thought that a pension was not a good thing – that “my” money that I had worked hard for was going to be tied up and not available for me to spend as I wanted to. The changes to pensions that came in this year have worked in our favour and Andrew took time to explain the benefits and negatives of all the new options.

Before I received his advice I wanted to take out as much money as I could and invest it in property, which I felt I understood and could control, however thanks to Andrew’s patience it became clear that although I could have done this, it was much more sensible to opt for the SIPS type of pension scheme and that money is available whenever it is needed, but if not it continues to earn money. Yes. Better than I could ever have expected.

Richard & Elizabeth, Surrey
See all our testimonials
Reviews and Ratings for Financial adviser Andrew Neligan, Exeter

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  • Dear Business Owner,

    Re: The Rest of Your Life

    How’s it going? Running your business, I mean. It can be tough can’t it? Lonely even.

    Can you still remember why you set up your business? Was it to have more freedom? Autonomy? Money? How’s that all going?

    We are living in an age of VUCA (Vulnerability, Uncertainty, Complex and Ambiguity) which, when you are running a business can be scary. You’ve probably got more responsibilities than you ever envisaged; the day you took on your first employee everything changed. No longer was it about you, your family, your mortgage and your lifestyle. All of a sudden it became about somebody else, their family, their mortgage and their financial commitments.

    We’ve only got one go at this thing called ‘Life’ so we’ve got to make the most of it. But what does that mean? At one level is about being with friends and family creating memories. But I believe it is more than that.

    I believe it is about having a purpose, about living a fulfilling life that is also full of joy. Friends and family are important, vital even, but children grow up and fly the nest, brothers and sisters have their own families and parents pass on. Friends have their own lives.

    To live an enriching life we need more. Something that gives us stability, a focus and a reason to be. Your business might provide that for you and if it does, if it truly does then I believe you are in the minority and you have my unreserved respect. For the rest, those who started their business because they wanted more money, autonomy or freedom I believe it is healthy, essential even, to have another focus.

    Within a business environment there is too much that can’t be controlled which, if taken away may leave you without foundation. And that’s a scary place to be.

    Please understand me, I’m not saying your business is worthless or a waste of time. On the contrary, it will be an important part of who you are. Not only will you have poured blood, sweat and tears into it but you are creating wealth and opportunity for a great many others; employees, buyers and suppliers.

    What I am saying is that our business and personal lives MUST go hand in hand. This includes our health, relationships, wealth (in all its definitions) and spirituality (in whatever form that takes for you). Too much emphasis on one and the other slips. Little by little until the balance is unsustainable.

    So perhaps it is time for you to take a step back, to raise your head from the desk and reflect. Reflect upon where you are and where you are heading. Reflect upon what is important to you and what your values are. Are you living your life in congruence with your self image and values?

    What if your business was taken away from you today? How happy would you be with what is left?

    What if today was the last day on this planet? Are you content with what you have achieved, who you have become and what you are leaving behind. To quote the Greek philosopher Pericles: “What you leave behind is not what is engraved in stone monuments, but what is woven into the lives of others”

    How are you embodied into the fabric of others?

    The great news is, as a business owner, that you have the greatest opportunity  to make a change and a difference. For you have the opportunity to decide how to spend your time and make sure your business and personal objectives are aligned. You also have the opportunity to use your greatest asset, your business, as a vehicle to achieve your most important goals. You can do this by growing it and having it generate the wealth that will facilitate your ideal life.

    It might not be overnight but by taking the first steps you are starting on the right path to living a fulfilled and joyful life that touches the lives of many.

    What that will be is unique to you. It may be on a global scale or it may be in your immediate community, the scale doesn’t matter as long as it provides you with a meaningful life that you will look on with a deep sense of pride.

    My purpose is to help business owners visualise, plan for and live a life that is fulfilling and full of joy. For every client I do that for my life becomes that much richer.

    If, having read this letter, you want to explore if further I would love to have a conversation so please do get in contact (andrew@neliganfinancial.co.uk or 01395 742276).

    In the meantime welcome to my website. Happy browsing.

    Yours sincerely,

    life planning for business owners

     

     

     

    Andrew Neligan

    Owner

    Andrew Neligan CFPTM APFS

    Chartered Financial Planner