20mg of nolvadex isn't going to cut it for a pct. also your bodyfat is too high to be using steroids. I'd put off taking steroids for another 6 months to get your bodyfat down around the 12% mark and use that time to research your pct options.
b/c it's your first cycle and you have no idea how you will respond to test you must have an AI available--you could get gyno starting right off the bat or bloat creating high BP or other serious sides. Not to mention 500/week is enough to convert into a lot of estrogen even if you are not sensitive to it you don't want that much of it.
The rule of thumb is that you are not ready to do a cycle until EVERYTHING is in your hand (not being shipped etc) from AIs to your full PCT as you never know what can happen.
and BF is a bit high--which means your diet is not dialed-in and a cycle w/o the right diet is much much much less effective and even counterproductive as some compounds or the increased level of training can make you ravenous--and if you can't control such you get 1 lb of muscle and 3 lbs of fat.
I have HCG and Nolvadex and test cyp.
how would you guys recommend to cyle this for a first time user?
test is 275mg/ml (2x10ml's)
nolvadex 40mg per ( i have 100)
hcg 5000iu per vial ( i have 3)