Do you have queries about taking financial advice, the fees we charge or how to book a meeting? I’ve answered some of our most commonly-asked questions below.
Where are meetings held?
You are welcome to my home office in East Budleigh, Devon. I can also come to your home, office, or anywhere that is mutually convenient and appropriate.
Do you have parking?
Yes, there is plenty of free parking available should you come to my office.
Do I have to pay for an initial meeting?
The initial meeting is at my cost and without obligation to become a client. The purpose is for me to understand you and your priorities and, simultaneously, for you to understand more about how I work.
Do I have to sign up to your services at an initial meeting?
No, absolutely not. I want to be of real and lasting benefit to all our clients; I know our clients value the work I do for them, but I also know I am not right for everyone. If, having spent time together during our initial meeting, it’s clear that I am not the right firm for you (for whatever reason), there is no obligation to become a client. I will wish you every success for the future with no hard feelings.
Who provides the advice?
Andrew Neligan, our Chartered and Certified Financial Planner, provides the advice.
Are you an independent Financial Adviser?
Yes. Because we are independent, our obligation is to you and not the product provider. We strongly believe being independent helps us deliver the best outcomes for our clients.
Are you regulated?
Yes, we are an appointed representative of Best Practice, which is authorised and regulated by the Financial Conduct Authority (FCA). You can find our entry on the FCA register by clicking here.
Who are Best Practice and how do you work with them?
Best Practice are a network, of which Neligan Financial is an appointed representative. They provide compliance oversight, back office technology and a link between Neligan Financial and our regulator, the Financial Conduct Authority (FCA).
What do you charge for an initial meeting?
We don’t charge for initial meetings; they are provided at our expense.
What do you charge for a financial plan?
We believe fees should be transparent, fair and charged in a way that is in the best interest of our clients. Fees are calculated based upon the value provided, the expertise required to provide the advice, the nature of the advice and the complexity involved. With that in mind, fees are calculated on a project basis so that you know upfront, exactly what you will be paying. Find out more about our fees here.
Do you get commission?
No, the fees we agree are all we will receive.
Do you charge VAT?
VAT may be applicable, depending upon whether we recommend a financial product. For example, if you require a one-off review or specific consultancy advice without the expectation of establishing a new pension or investment product, VAT at the standard rate will be applicable.