Nikki Pipping

I chose to become a financial adviser because I have a passion to help people understand, take control of, and plan their financial journey. By taking time to get to know each client's individual circumstances, their priorities and aspirations, I am able to develop a personal plan to achieve their goals and provide clear financial advice, tailored to their needs. By building a strong foundation, and developing an ongoing relationship and understanding of individuals and their changing circumstances, I provide ongoing support and guidance throughout their financial journey and enable clients to protect the things that matter most in difficult times. This holistic approach underpins a long term partnership with each client which reflects their developing personal circumstances. Although my primary specialism is in pensions, where my focus is to ensure that my clients have realistic expectations and a clear plan, I also take a keen interest in legacy planning, ensuring clients' hard earned wealth passes to their loved ones efficiently. I work with clients at all stages in their financial journey, and whilst they are typically 40+, I work with those just leaving University and saving for their first home, through to retirees planning tax-efficient income to enjoy the fruits of their labour. My spare time revolves around my family, playing taxi to my teenagers! I like to keep fit, running, swimming and doing yoga. On Saturday mornings you’ll find me at one of the local Parkruns, unless I’m injured in which case, I’ll just be at the post-run café enjoying coffee! Key areas I can help you with - Retirement planning - Review of existing pensions - Savings & Investments - Tax mitigation strategies - Legacy and IHT planning - Personal Insurance Collective Financial Planning Limited is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority. Approved by the Openwork Partnership 22/05/2024 Get help with your inheritance tax planning and understanding the tax implications of the estate you leave or accessing an inheritance you have received. Warning: HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen. Estate Planning is not regulated by the Financial Conduct Authority. Get help with a wide range of investment options, including equities, funds, bonds, and ISAs. Warning: The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested. Get advice on transferring pensions where you do not need a specialist, for example a standard personal pension or one through your employer that is made up ONLY of regular contributions from you and your employer (this should not be a defined benefit pension). Get help on making a plan for a comfortable retirement; whether it’s starting a pension or understanding how much you should be contributing to one. Warning: The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested. Get help understanding and evaluating your retirement options, whether it be via an annuity or a drawdown, or discussing the other available retirement income options for you. Warning: The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.