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.
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.
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.
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.