Helen Nightingale

Financial Planner with Resonate Financial Planning & Qualified Pension Transfer Specialist. I hate over complication of financial matters, I prefer to simplify and explain a client’s circumstances in a manner where they can make an informed choice on their options to reach their objectives With regards to retirement planning, wherever you are on your journey to retirement we will help you establish your goal income and required pension savings to get you on target. We will create a picture of your financial future through cash flow planning, making sure your state pension is on track and identify any gap between the income the state pension will provide and the income that you need in retirement to live your life. We can test your existing arrangements to see if they are on track and the best vehicles for the job. We hold the advanced pensions permissions meaning that we can assess any Final Salary Pension arrangements. We work with you to help you contribute the most appropriate amount in the most tax efficient ways, whether that be using unused allowances, making employer or employee contributions, or using your pension fund to purchase a commercial property. If you are an employer and would like to arrange pension education seminars for your staff we can discuss a bespoke presentation to your staff. Protection - (Lifestyle Preservation!) - For many people, how you and your family spend your spare time from hobbies to holidays, where you live, your budget for the material necessities and niceties is most often linked to your income. There are many factors, outside of your control that can effect your income and if your income were to decrease / stop, there may be a question mark above how long you can maintain your lifestyle before you have to cut back. Through looking at your lifestyle we can identify the potential risks and provide protection that is suitable for your personal circumstances and remove the fear that you will run out of money. Investments Whether investing for yourself or for a Trust, wanting to invest a lump sum or on a regular basis, we will work with you to establish the most appropriate investment for your tax circumstances, the length of time you wish to invest for and how comfortable you feel with your investment going up and down in value. All of these factors are taken into account to find the most appropriate solution and then if you agree to our ongoing servicing proposition we will regularly review these to ensure they stay on track and remain suitable for your needs.