Lifestyle Financial Planning

The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.

Four Oaks is an established award winning firm of qualified Financial Advisers providing local financial advice to our clients in Tamworth, Lichfield, Sutton Coldfield and across the UK. We help our clients focus on and achieve their goals through a very personal, but structured approach and review service, we call this lifestyle financial planning.

 

Helping Create Financial Independence & Peace of Mind

In an increasingly busy and more complex world it is important to take stock from time to time and make sure you are clear
about your personal and financial objectives. Then you can be confident your money is working hard towards helping you
achieve your goals and dreams.

 

The advice I received was both excellent and well explained. My adviser was very understanding of my needs and requirements from the scheme. Highly recommended.

- S P Bridges

A Different, Truly Interesting & Exciting Approach To Financial Planning

Too many people miss tax saving opportunities and, because they are unaware of how they are spending their money, it can dribble away without them even realising it. Lifestyle financial planning can help.

Our Financial Services

Our advice is comprehensive and so are our services. This means our Advisers will provide expert advice for all financial
services and financial planning including:

Lifestyle Financial Planning

Planning is essential if you are going to fulfil your dreams and ambitions. Using the experience and expertise of our Financial Advisers together with specialist industry software we can work with you to map out what you want to achieve. We can then show you when and how much you will need to either invest, save or spend. This can help you make decisions such as when to retire, change your job or give your children a deposit for a house or pay for a family holiday of a lifetime.

The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested.

Pensions

Retirement planning is not only about Pensions, but they do form a key element. We’ll look at what kind of lifestyle you want in retirement, the options available and make recommendations to produce the sort of returns you need and mitigate tax. In some instances with a proper analysis and planning, clients are able to retire earlier than they ever thought possible!

The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested.

Tax treatment varies according to individual circumstances and is subject to change.

Tax Planning is not regulated by the Financial Conduct Authority.

Investments & Savings

Our Financial Advisers will help you understand your attitude to risk, capacity for loss and discuss options open to you. For investments you already have they can check how they are doing and compare with other products. In the present economic climate we all have to work that bit harder to make the most of our savings Our Financial Advisers will help you understand your attitude to risk, capacity for loss and discuss options open to you. For investments you already have they can check how they are doing and compare with other products. In the present economic climate we all have to work that bit harder to make the most of our savings and investments. Our Financial Advisers have the experience and knowledge to advise on the most suitable investment options dependent on your attitude to risk.

The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested.

Financial Protection

There are all kinds of ways to ensure that your loved ones have the right kind of financial provision should you no longer be able to provide for them either through death or illness. Talk to us for peace of mind that you and your family’s circumstances won’t be seriously compromised as a result of death or illness.

Mortgages

Houses are often one of the largest assets that people have. Many want to be mortgage free as soon as possible, others seek to borrow to build a property portfolio. An increasing number also use it as an asset they can downsize or take equity release from to enhance their lifestyle in retirement. Taking out a mortgage or considering equity release are amongst the biggest decisions you will make. Make sure you understand the implications of your decisions by taking professional mortgage advice, that ensures you optimise the value of your property investment over the years and supports your lifestyle goals.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Estate Planning

Often referred to as inheritance planning or inheritance tax planning. Our advisers can undertake a full review of your Estate and project your future net worth going forward to help you establish the potential tax liability and options for minimising this over the years. Get expert advice and make sure that the proceeds of your estate stay with your family not the Government. This is an area where we often work with our client’s legal advisers or in conjunction with Four Oaks Legal Services Limited.

Estate Planning is not regulated by the Financial Conduct Authority.

Four Oaks Legal Services Limited is not an appointed representative of Intrinsic Financial Planning or Intrinsic Mortgage Planning and Intrinsic is not responsible for the activities provided by Four Oaks Legal Services Limited.

Private Medical Insurance

Did you know private medical insurance is usually an annual policy that needs to be regularly reviewed to make sure you have the policy that is delivering the best value for you? Four Oaks clients have their private medical insurance reviewed as part of our holistic financial review service.

Long Term Care

Our lifestyle financial planning services can help our clients build in a contingency for future long-term care needs. When it comes to needing advice on care fees for someone in the family, this is provided by one of our qualified Advisers who hold the CF8 qualification. Only Advisers with this qualification can give advice on long term care, having demonstrated their competence in this complex area of financial services.

The FCA do not regulate long term care planning.

Corporate Services

A significant proportion of our clients are business owners. Growing and maintaining a successful business doesn’t come easily. It is important to have a strong, dedicated team of local financial advisers providing you with the confidence that your personal and business finances are working hard. We help our business clients with corporate financial planning, pensions, auto enrolment, corporate benefit packages and exit strategies.

The FCA do not regulate auto enrolment.

The value of pensions can fall as well as rise, you may get back less than you invested.

Let’s have a chat

We’d love to talk to you about all our services listed. Give us a call today or drop us an email to arrange a meeting with one of our expert staff and we will be happy to help.

Four Oaks Financial Services Limited works alongside Four Oaks Legal Services, which is an independent law firm. The benefit to our clients is that when financial advice is needed alongside legal advice both of these services are available under one roof.

Four Oaks Legal Services Limited is not an appointed representative of Intrinsic Financial Planning or Intrinsic Mortgage Planning and Intrinsic is not responsible for the activities provided by Four Oaks Legal Services Limited.

Our Customer Promise

We pride ourselves on providing the highest quality local financial advice and a very personal service for all of our clients, whether they are private clients or corporate clients.

All of our financial advice and services are backed by our very own customer promise.

  • We promise to always treat our customers with respect and empathy, as we would expect to be treated by others
  • We promise to never take advantage of our customers and all our advice will be in what we believe is in the best interests of our customers
  • We promise to always be transparent, open and honest. We will use plain language to explain our recommendations, commission or fees

For financial advice in the Lichfield, Tamworth, Sutton Coldfield or Greater Birmingham area please contact us and receive local financial advice from a local firm of financial advisers that you can trust.