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Call 07522 994492
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Helping you to achieve your goals.
Your objectives, My passion
My passion can be demonstrated by having been awarded the prestigious Chartered Financial Planner and Fellowship designation. I have an extensive range of financial planning areas that I can specialise in. This enables me to tailor your objectives and be able to think outside the box to create a bespoke solution for you. My business is conducted on an independent basis and can research all providers in the market, which allows me to provide impartial advice and solutions for your objectives.
Enelsea Financial Planning's team is committed to providing excellence in standards and professionalism. We also have an extensive support team provided through Vision Independent Financial Planning Ltd. We aim to build a close long term relationship with you and devote our attention to your objectives with care and integrity. I will be available to discuss any issues at any time by any means that works for you. This is a different approach to many financial advice firms. Building an open and close relationship enables us to identify areas that are important to you, and through discussions we can agree a way forward that you will want to be committed to and therefore achieve your objectives.
Financial planning does not stop once a service or solution has been undertaken. The key is reviewing your plans on a regular basis. We will agree how often you wish to discuss your planning, meanwhile I will monitor your plans on an ongoing basis. Should there be a need to have a discussion outside of an agreed review period for example a change in legislation, I will contact you to discuss the implications and discuss a way forward with you as your planning may need to be amended.
You will see from the testimonials
that my passion has helped many clients achieve their objectives.
The Financial Planning process
Our fee structure is based on delivering value for your money. There are no up front fees. It will cost you nothing to find out what we can do for you.
The first stage will be to open up a discussion around you, your family, your objectives, and we will take time to ask you questions and also question your responses. You will need to provide details of any existing financial arrangements that you have in place. This will determine what you want to achieve and by when, what you want to focus on and how committed you are to achieving this.
We will then undertake extensive research and analyse your existing arrangements. This may involve liaising with your existing providers to get up to date details of plans that you hold, and ascertain the aims and benefits. We will discuss your affordability and any priorities you may have.
We will research the whole of the market for your requirements, and then provide you with a bespoke financial planning report, tailored to meet your objectives. This will detail specific recommendations which may be to keep the arrangements you have, compliment your existing arrangements or change your arrangements. All recommendations will be comprehensive and detailed and will contain the research undertaken.
Once you have agreed which products or services you wish to proceed with we will implement them with the minimum of paperwork for you.
You will need to ensure that your financial planning remains on track, so we will agree how often you wish to meet up and review your planning. You will also agree to advise us if there are any changes at any time as we may need to meet up and amend your planning.
Fully Independent Professional Financial Adviser
Testimonials
"We have known Nikki for over 20 years, from when she first assisted us after a redundancy until now and we enjoy both a professional relationship as well as her having become a close personal family friend.
She has advised, assisted and indeed been key to our own financial stability and we have placed an intimate trust in her advice from the early days in knowing her, to her more recent achievements in setting up her own business.
She has always been direct, open and honest delivering frank, rational advice and guidance, which has enabled us to settle our mortgage early despite the shortfall of our endowment policies covered by enhanced payments and shrewd investments, with still a secure financial plan in place for our retirement.
We now have a revised portfolio of investments, tailored to our specific needs and way of life.
She has assisted both other family members, and a close friend, in sorting out various financial issues.
In addition she has guided my employer in setting up a pension scheme for approx 15 people.
In conclusion, she has become an integral part of our lives both professionally as well as personally and we would have no qualms whatsoever in recommending her expertise and guidance in financial matters and wish her every continued success."
Sean Hayward
"As CEO of a Multi-National or a SME, to be successful obviously it is absolutely vital that you give 100% focus and commitment to the role. In my experience, this complete focus and commitment sometimes provided difficulties in managing the Work, Family and Leisure Triangle - simply due to time pressures.
For me, and I suspect many Senior Executives, an issue which was even further down the "focus chain" was the management of my personal wealth and finances. My effort and focus was more on the management of the business role. In reality, time pressures did not always allow me to manage my own personal finances with the same commitment.
As my career developed, it became important to have an objective to ensure that all my rewards which had accumulated during my career were not only protected but invested and developed.
Nikki Charley contributed extremely effectively to this important objective. Firstly, operating as a Financial Advisor working for HSBC and in recent times in her own company. She has always combined her knowledge, experience and commercial awareness with an extremely personal, sensitive and acceptable style and approach. Nikki has managed my Pension Plan and my own Personal Finances very effectively and has probably been the major contributing factor to now having a financially secure retirement."
Mike Aird
"Nikki Charley has been my financial advisor since 1998 and as such has my complete trust, she takes time to explain what she thinks would be best for me in a manner that I can understand.
She has continued to deal with my affairs personally as she has progressed in her career when she could have moved me on to someone more junior.
I hope she will continue to look after me for many years to come and wish her all the best in the future."
Judith Cordwell
"I have used Nikki Charley services for a few years now .
I find her very reliable, knowledgeable, unbiased and extremely thorough!
Nikki always listens to our requirements in detail. She has helped myself and my husband with mortgage advice, pensions and more !
Highly recommend!!"
Claire Uzzel
"We had a very productive meeting and are pleased that we have Nikki Charley as our pensions adviser. She is very proactive most helpful and quick to respond to our queries. We also took this opportunity to question some of our staff with the help that they have been receiving the feed back has been positive."
Larchtower Engineering Ltd
"I first met Nikki in 2005, when our Company moved our Business Bank Account to HSBC.
My first instinct on meeting Nikki was how wonderful to meet someone who cuts through all the jargon and talks to you as a real person.
I knew that I had found the right advisor who would meet not only the Company and employees needs, but those
of my own.
Added to the package a refreshing attitude of being honest and frank and supplying the best package first time.
Nikki is one step ahead all the time, only a phone call away and never to
busy to see you.
Nikki has become more of a friend than a business associate, and I for one would recommend her for any business or personal planning.
Well done for branching out on your own Nikki, and I wish you continuing success."
QS Powder Coaters Ltd
"I have known Nikki Charley for many years, she originally managed the personal pension and investment portfolios of both myself and my wife whilst she was working for HSBC.
When Nikki left HSBC to establish Enelsea Financial Planning Ltd we had no hesitation to move our financial management requirements to be sure of Nikki's continued and seamless attention.
Nikki is a pragmatic, proactive and plain speaking Financial Professional who is always prepared to work around your schedule to ensure the attention required is provided so that, even with the high demands of day to day life, our personal financial matters are not neglected. It is great to know that Nikki is diligently working on our behalf to ensure that our pensions and investments are in order and optimised and that our money works for us to meet our short and
long term plans.
I have no reservation in recommending Nikki and wish her every success with Enelsea Financial Planning Ltd."
Nigel Sealey
"When I decided to look at employee benefit options for my company Everhot Ltd, I asked Nikki to advise me.
My aim was to give the staff extra benefits for working for me, as well as providing a good package that would attract and retain employees.
I wanted to look at options available from all providers in the market, and was aware that Nikki, having left her former employer which was on a tied basis, had established her own company Enelsea Financial Planning Ltd as an Independent Financial Adviser and we met to discuss the options. She took time to understand the needs of my company and my employees, and looked at all providers to establish suitable options.
Nikki put together a package of recommendations that suited my requirements for a Group Life Scheme and a Group Pension Scheme which is auto enrollment compliant, and set up both schemes.
Nikki is very keen on delivering good service. She is always on hand, which made the initial set up very easy with minimal admin and intervention on my part. A Group announcement meeting and scheme confirmation letter was arranged, and staff were able to contact her direct at any time to answer queries.
I would have no hesitation in recommending Nikki for any business or personal planning requirements."
Guy Goring
"Thank you Nikki for helping me to understand my retirement options and to navigate the complex and changing world of pensions. I have to say a big 'thank you' for your hard work, integrity, passion and patience. It is the start of a journey, which you are helping to make possible, and I am grateful to have you as my guide."
Richard Erskine
"Having recently returned to the UK from living abroad, one of our priorities was to find a financial adviser. Fortunately we were introduced to Nikki Charley of Enelsea Financial Planning Ltd.
Nikki is a pleasure to deal with, not only does she have a comprehensive knowledge of financial products and services, but also a talent for explaining in a caring, understandable and
professional manner.
She makes herself readily available and never fails to return a call!
Well done and look forward to working with you in the future."
David and Debbie Pritchard
“For many years now I have found Nikki to be a trusted font of knowledge. Nikki approaches topics with consideration, always does her homework, takes a
broad approach to considering contributing factors and therefore isn’t blinkered, is speedy, and her has a clear and concise style of communicating.
I imagine her many years in the corporate banking world mean she has seen most things and therefore isn’t fazed. Nikki provides my companies with one-to-one advice and guidance and the feedback from my Team is they really like her confidential professional and
measured approach”
Energist UK Ltd
“Nikki has been looking after my pension arrangements since April 2014, and my partners since March 2015. She has given us good and helpful advice, is always available to discuss any issues. She takes care of all routine paperwork and makes managing our SIPPs very easy. I would give her my full recommendation.”
Clive Harris
“The directors of MHP Design Ltd have known Nikki for many years, originally working with her when part of the HSBC business team where she provided a friendly and clear advice. When the opportunity arose for Nikki to establish herself as an independent financial advisor MHP were more than happy to engage her consultancy services.
As with many small but active businesses we are frequently distracted by on-going projects but Nikki has the patience to stick with us and provide advice and services which we can accommodate within our daily business life. Nikki takes time to ensure that we understand her advice and that she understands our requirements. Nikki has been particularly helpful in guiding us through form filling and through the setting up of our workplace pension scheme. The directors at MHP are totally satisfied with the way advice has been given and have full confidence with the products that we have instructed as a result of the consultancy. Thank you Nikki”
MHP Design Ltd
"Having left our family finances to manage themselves over many years and retirement being visible we finally realised we needed a financial adviser. We were introduced to Nikki through a
mutual contact in her network and arranged the initial meeting. Since then Nikki has taken time to understand all aspects of our financial position and what we are aiming for. She has given us
options and choices with pros and cons at every stage. She is very clear, understands the details and focuses on our interests. We now have a clear picture of our finances and how and
when we can retire. Savings, investments and pensions have been tuned with tax savings. Also clear advice on financing an investment. She has also helped our wider family with questions on financial planning. I would recommend Nikki to anyone who needs a financial adviser."
Duncan & Cherry Smith
"Working in agriculture and raising a family in rural Perthshire over the last 40 years meant we were always too busy to organise our finances.
Nikki Charley coasted in, became our friend, understood what we required and created order and growth out of the chaos – you can’t ask for more than that.
Its very reassuring and helps us enjoy our last few years of working before retirement to the very full."
Mathew and Helene Mauchlen
"Nikki Charley is a chartered financial planner (MCSI CeMAP) and has worked with myself and our staff of eight at Perendale Publishers Limited for the past four years or so managing our
pension and investment arrangements. Nikki, with her experience and qualifications in financial services has provided a small company such as ours with an invaluable service. I am
confident all the planning, implementation and oversight of our workplace pensions are serving our staff well.
I would have no hesitation in recommending the services
Nikki provides through
Enelsea Financial Planning Ltd."
- Roger Gilbert, Publisher,
Perendale Publishers Ltd.
“From the time we first met Nikki we have always felt that she has our best interests at heart and is totally honest and trustworthy in her advice and guidance ref our financial planning.
She has helped us plan our early retirements , giving us the information and help to execute this in the most secure and effective way.
Nikki always makes herself readily available if help or advice is needed.
We have referred her to other friends to help with their financial planning and will continue to do so.”
Nick and Penny Moore
"I have been advised by Nikki for almost 20 years both within our business and personally.
Nikki discusses everything with us step by step, ensuring we have a full understanding of the various financial implications and solutions relating to our business and personal situations, we have never felt that Enelsea work to their own agendas as other financial advisors have done in the past,
Nikki has always made us feel we are in full control.
Nikki is knowledgeable trustworthy and has always gone the extra mile to help us achieve our goals, nothing is ever to much trouble, and I would have no hesitation in recommending Nikki for any financial advice."
Mr SE Hearn
MD of DKM Sheet Metal Ltd
If you need to talk about financial advice, please give me a call or email me.
Happy to discuss any issues in confidence.
Contact us