Neil Sargeant

Awards & Accreditations

Fifteen years in the financial services sector have enabled Neil to develop a broad range of experience dealing with the needs of individuals, business owners, trusts and charities.

A key focus for Neil is adding real value to a client’s situation; making time to understand them, their current position and long-term aspirations and goals. Collaborating to build a bespoke financial plan helps to provide context to long-term financial decisions and empower his clients to make informed decisions to achieve these goals.

Key areas of advice are tax-efficient investment and pension planning, retirement income strategies, protection and estate planning.

Neil has a large number of clients who have a keen interest in investing in an ethical, sustainable and thematic manner. He will ensure that their individual environmental and ethical considerations are placed at the forefront of their financial and investment planning.

Neil enjoys working alongside other trusted advisers (accountants and solicitors) to help achieve the best overall outcomes.

Outside of work

Neil’s spare time is now largely monopolised by his two young children, but when given the chance he enjoys running and cycling.

Qualifications

Neil is a Chartered Financial Planner and a Fellow of the Personal Financial Society (FPFS) which is the very highest designation awarded by the PFS. This achievement has only been obtained by a small percentage of financial planning advisers.

To support his work in estate and succession planning, Neil is a qualified STEP Affiliate, having completed the Financial Services Certificate – Trusts and Estates Planning.

Importantly

All financial advisers in the UK must be registered on the Financial Conduct Authority (FCA) register and hold a valid Statement of Professional Standing (SPS). In an age where financial scams pose a real threat, it’s important to make sure you don’t take financial advice from anyone who doesn’t appear on the FCA Register or hold a valid SPS.

You can view Neil’s entry on the FCA Register by clicking here. You can view Neil’s SPS certificate here.

Qualifications

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FPFS – Fellow, Personal Finance Society

To achieve the Fellowship grade, individuals would be required to have 10 AFPC (Diploma) units or equivalent. This shows a commitment to continuous professional development.

APFS – Associate, Personal Finance Society

To achieve the Associateship grade, individuals would be required to have 6 AFPC (Diploma) units or equivalent. This shows a commitment to continuous professional development.

Chart FP – Chartered Financial Planner

Having achieved the APFS designation, advisers can go on to achieve this recognisable benchmark of quality and ethical practice for financial services professionals, elevating financial planning and advice in the public eye to the same standing as other Chartered professions. The holder must demonstrate a combination of experience, financial qualifications, ongoing educational activity (continuous professional development) and ethical behaviour.

STEP Certificate for Financial Services – Trusts and Estate Planning

This qualification is a collaboration between STEP and CLT International (CLTI). This Certificate bridges the divide between solicitors and financial advisers, enabling those in financial services to work more effectively with other professionals

AdvDipIP – Advanced Diploma in Financial Planning

This qualification enables professional advisers to develop specialist planning capabilities, covers topics like: personal tax and trust, business financial, pension and investment planning.

AF1 – Personal Tax and Trust Planning

This examination assesses the candidate to develop in-depth financial planning skills related to personal tax and trusts.

AF4 – Investment Planning

This examination assesses the candidate to develop in-depth financial planning skills related to investments and the management of investment portfolios.

AF5 – Financial Planning Process

This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.

AF7 – Pensions Transfers

The objective of this pension transfer qualification unit is to develop the specialist knowledge and skills needed for advising on the transfer of safeguarded benefits.

This exam brings our advisers up-to-date with the fundamental aspects of the pension transfer process; the implications of transferring between different types of pensions; and develops their advice skills across a range of client circumstances and scenarios.

DipFP – Diploma in Financial Planning

This qualification develops advanced technical knowledge and understanding across a broad range of key advisory areas.

J02 – Trusts

The objective of this unit is to develop an understanding of various types of trust.

J06 – Investment Principles, Markets and Environment

At the end of this unit, candidates should be able to demonstrate an understanding of how the economic environment and individual company performance affect investment performance and investment decision making; how risk is measured and managed; the main principles governing how to construct an investment portfolio; the range of investment management services, how their performance is evaluated and their regulatory environment.

J08 – Financial Planning Practice

Candidates who pass this unit, have demonstrated that they can apply their knowledge and understanding of the financial planning process in order to meet the financial planning requirements of clients.

R04 – Pensions and Retirement Planning

This qualification assesses a knowledge and understanding of an ability to analyse pension and retirement planning issues.

CF1 – UK Financial Services, Regulations, and Ethics

This examination covers UK financial services, regulation and ethics.

CF2 – Investment and Risk

This examination assesses a knowledge and understanding of investment products and the risks involved.

CF3- Financial Protection

This examination assesses a knowledge and understanding of financial protection plans.

CF4 – Retirement Planning

This examination assesses a knowledge and understanding of the various pension products, the pension tax regime and retirement needs.

CF5 – Integrated Financial Planning

The purpose of this examination is to demonstrate a solid grounding in the financial services industry and its regulation.

CF6 – Certificate in Mortgage Advice

This qualification develops an understanding of the sector and the mortgage process, enabling advisers to meet individual client needs.

ER1 – Equity Release

This examination assesses a knowledge and understanding of the different types of equity release products, risks to the consumer associated with equity release and application of suitable equity release solutions according to the circumstances of different customers.

My wife and I really value the advice and support we’ve received over many years. Our key contact is Tim Cosway, whose friendly and calm manner is a real plus. He also involves team members who are equally committed. We particularly value that their approach is that no question is stupid – we always receive a clear and helpful explanation. We have full confidence in the team’s management of our finances and definitely recommend them.

Howard

We have consulted Holden and Partners for 10 years.  Having been in financial disarray because of poor advice from our previous financial advisor, we have Tim Cosway to thank for digging us out of a deep financial hole.  As a result of his painstaking tenacity pursuing a claim against our former financial advisor through the Financial Ombudsman Service, which resulted in substantial compensation, we can anticipate a comfortable retirement.  We continue to take Tim’s advice on all financial matters.  He is a pleasure to deal with, and we whole heartedly recommend Holden and Partners, and Tim in particular.

Mike & Jacque

I have been a customer of Holden & Partners since its inception. During this time, no matter what the state of the financial climate, I have always found that their advice has been balanced and fair. They have a good understanding of everyone’s individual circumstances and produced tailored strategies to match these needs and expectations.

Duncan B, NHS consultant

I’ve always received high quality, personable advice at a time of my convenience. My adviser has often travelled to my home in order to provide very personal service. The advice given is clear and unambiguous. The risks of different types of investment have been clearly discussed to allow me to make an appropriate decision on the nature of my investment portfolio. This has been of great importance when considering the available investment options for my forthcoming retirement. I have always considered that Holden & Partners is very client centred and they have my best interests at heart. I have been with Holden & Partners since 1996 and have recommended them to friends and colleagues on many occasions.

Michael, Surgeon

Holden & Partners manage our company pension scheme with a totally professional and dedicated approach. They have worked with us over a number of years, and are able to explain the potential ‘minefield’ that is pensions, to make it perfectly accessible for the staff.

Jeremy, Print Management Partner

On retirement after 40 years of salaried employment, I interviewed several financial advisers, amongst whom Mark Dodd of Holden & Partners was the nicest and seemingly the most understanding of my investment needs and priorities. Since then my wife and I have had regular (c.6-monthly) meetings with him in order to check and, when necessary, adjust the holdings in our portfolio. This has been very helpful and provided a comforting sense of confidence and security. I have recommended Holden & Partners to others and will certainly continue to do so.

Patrick, retired university professor

It’s easy to feel powerless in the face of global trends such as climate change and environmental destruction. But I feel I regain power as a consumer and a citizen by thinking about where I spend my money and to whom I entrust my savings. I chose Holden and Partners because they were recommended to me and because of their strong track record in ethical investments. It has proven to be a wise choice. Their advisors listened carefully to my needs and created an investment strategy and portfolio that has met and indeed continues to exceed my expectations. The culture of a company also matters to me, I have found their advisors to be well informed and financially shrewd but also easy to speak to and engage with. Many of us find it difficult to trust institutions and organisations these days, but I do trust Holden and Partners to make the right decisions on my behalf.
I would have no hesitation in recommending them to others.

Patrick, Advertising and Marketing Consultant

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