We’ve Welcomed Harriet Partridge To Our Team

Financial Adviser Tamworth
Harriet Partridge, Client Support Team

We are delighted to welcome Harriet Partridge to our Client Support team. Harriet has previously worked in banking for Halifax as a cashier and then a trainee banking adviser, and at Santander where she started as a cashier and moved to the role of savings adviser.

For the past six years Harriet was a branch manager for the well-known jewellery retail chain Pandora. As the branch manager she was responsible for staff, stock and of course customer service.

As a member of our Client Support team Harriet’s duties are based around supporting our team of local Financial Advisers in the Tamworth, Lichfield and Sutton Coldfield area. This is a very important role that involves chasing financial product providers for information and lots of administrative duties that enable our Advisers to provide our first-class service to our clients.

In her late-teens Harriet has twice had a 4 month long summer internship at Disney Land Florida but now in her spare time she is studying for a degree in English with the Open University and is in the 5th of a 6 year course.  Harriet will also be joining our in-house Four Oaks Financial Services Training Academy to study for her professional financial services qualifications.

Welcome to the Four Oaks Financial Services team, Harriet.

Congratulations To Mark Banks On Passing Another Exam!

Financial Advice Lichfield
Mark Banks, Paraplanner

Paraplanner, Mark Banks is a man on a mission to successfully complete all of his professional financial qualifications, hopefully by the end of May this year. He passed his Investment Risk & Principles Unit 3 Examination in February and the latest examination he has passed is on Taxation. This leaves Mark with just one final examination to pass in order to attain the Level 4 Diploma In Financial Planning.

For the taxation examination Mark studied inheritance tax, capital gains tax, taxation on benefits in kind from employers, taxation in regard to pensions and tax in relation to businesses including corporation tax.

Mark is a member of our in-house Training Academy and has studied with his colleagues but also taken on a lot of extra studying in his own time to achieve this latest exam pass. Well done, Mark!

Looking For Life Insurance In Sutton Coldfield?

Life Insurancer Sutton Coldfield
Looking for Life Insurance In Sutton Coldfield?

If you are looking for Life Insurance and you live in Sutton Coldfield or you work in the town, we are ideally placed to help you. Our modern office, which has on-site free car parking, is situated nearby and we think it is always better to get local financial advice from Financial Advisers in Sutton Coldfield or close by for any kind of financial planning.

Most people take out their first life insurance policy when they take out their first mortgage. We recommend that you don’t just leave this in a drawer somewhere.  We advise our clients to review their policy on a regular basis for two main reasons.

Firstly, your circumstances may have changed and the current policy may not pay out enough money for your family to pay off the mortgage or meet their bills, should you die.

Secondly, new policies are regularly coming onto the market and if you don’t review your policy you could be paying more than you need to.

At Four Oaks Financial Services all of our Advisers are qualified to give financial advice to you on a wide range of protection products, including life insurance. You will never find yourself talking to a call centre, because we are a real firm with real Advisers who will meet with you face-to-face to provide advice on life insurance and if you are in Sutton Coldfield, then it is very convenient for us to visit you in your home or at our office.

The way Life insurance works is it provides a lump sum on your death, unless you bundle it with critical illness or wider protection insurance, which can provide cover if you have an accident as well as sickness.

It can also be a good idea to write your life policy ‘in trust’. This is a simple formality that ensures that the proceeds would go directly to your beneficiaries when you die.  This could avoid inheritance tax and the need to obtain probate before the funds are payable.  This would be exceptionally useful if your family needed access to the funds from your life insurance policy to pay off the mortgage on your home in Sutton Coldfield or pay other essential bills.

Your first meeting with one of our Advisers is at our cost and without obligation. Please call us to discuss your requirements.

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

This Payment Protection Insurance is optional. There are other providers of Payment Protection Insurance and other products designed to protect you against the loss of income. For impartial information about insurance, please visit the website at www.moneyadviceservice.org.uk

Our Team and 36 Cuddly Toys

Financial Adviser Tamworth
Martin Ward, Managing Director with the Toys

Our charity, the Buddy Bag Foundation needed cuddly toys for their Buddy Bags that are provided free of charge to children who find themselves in emergency care. Our receptionist, Lisa Arnold put the call out to our team for donations to buy cuddly toys and within a couple of hours everyone had dug into their pockets and Lisa had the funds she needed.

The cuddly toys had to be a certain size, in order to fit in the buddy bags with all the other essentials and comfort items that they contain. So, this was not an easy task.  Lisa visited several shops in the area (including 6 co-ops), Financial Adviser Ray Ceairns sourced some and so did Dave Coleman of our Paraplanning department.

In total we were able to buy 36 suitable cuddly toys. These have now been packed and despatched by Buddy Bag Foundation to women’s refuges throughout the UK.

For more information on Buddy Bag Foundation and how you could also help follow this link https://buddybagfoundation.co.uk/

By clicking on the above link, you are now departing from the regulatory site Four Oaks Financial Services Limited. Neither Four Oaks Financial Services Limited nor Intrinsic are responsible for the accuracy of the information contained within the site.

Welcome To Our Latest Paraplanning Recruit

Financial Advisers in Sutton Coldfield
Ruth Hughes, Junior Paraplanner

We are delighted to announce that Ruth Hughes has joined our in-house Paraplanning team as a Junior Paraplanner. Ruth is returning to work after a career break to have a family.  Previously she worked for the Halifax for nine years. She began as a cashier, was then promoted to a banking adviser and for the last two years she worked as a fully qualified financial adviser.

In her role at Four Oaks Financial Services she will be supporting our team of Financial Advisers in Lichfield and surrounding areas. This involves providing them with help on the technical aspects of our services including report writing and research.  Ruth has joined the Four Oaks Financial Services Training Academy in order to refresh her knowledge and is planning to take all of her exams again.  The first qualification she will be studying for is Personal Taxation.

“The team have been very welcoming and accommodating. I feel that I have settled in quickly and I like the community spirit we have here.” Says Ruth.

In her spare time Ruth takes her fitness very seriously. She loves the gym, Zumba and yoga!

The Third Long Walk Home

Financial Advice Lichfield
Martin Ward, MD, Four Oaks Financial Services

All we can say is they must be very brave or mad!! Why? Because both Four Oaks Financial Services MD, Martin Ward and Financial Adviser, David Jones have done this before and they know how much it hurts!

Financial Advice Sutton Colffield
David Jones, Financial Adviser

On 6th May 2018 they will walk 40 miles from Stoke Royal University Hospital to The Crown pub in Four Oaks.  This will be the second time Martin has done this and David’s third time.

With the full backing and admiration of our team of Financial Advisers and support teams, they are doing this along-side our client and friend, Mark Tonks. In 2015 just after a meeting with Martin Ward, Mark suffered a major heart attack which left him in hospital for many weeks.  Whilst he was there he wondered how long it would take to walk home.  The answer is 12 – 15 hours.

The first year of the Long Walk Home was 2016, almost a year to the date that Mark got home from hospital, and 13 local business-people did the walk with him. In 2017 the number had grown to 22 people and this year an amazing 54 people will walk with the aim of raising £20,000 for Buddy Bag Foundation and Footsteps Counselling & Support.  Both local charities are small and run entirely by volunteers but play a very serious role in helping people.

If you would like to donate please click on this link https://uk.virginmoneygiving.com/fundraiser-display/showROFundraiserPage?userUrl=TheLongWalkHome2018&pageUrl=1

By clicking on the above link, you are now departing from the regulatory site Four Oaks Financial Services Limited. Neither Four Oaks Financial Services Limited nor Intrinsic are responsible for the accuracy of the information contained within the site.

Top Tips For First Time Buyers On Getting A Mortgage In Tamworth

Mortgage Advice Tamworth There are three top priority things to think about when you are looking to get your first mortgage whether you live in Tamworth or the surrounding areas.

Firstly, plan ahead. At least six months ahead.  Secondly, get local professional financial advice and thirdly, make sure your finances are in order.  All of these things are equally important in our view.

You need to plan ahead because you need to make sure your finances are in a good place to be scrutinized by a prospective lender. Our mortgage advisers provide advice in Tamworth and across the area, and they suggest that you don’t make any new credit applications in the six months before you apply for your first time buyer mortgage.  It is also important to keep up to date with credit card payments, mobile phone contacts and other monthly bills.  This will show that you are a reliable and responsible borrower.  You could also cancel any monthly subscriptions that you no longer use such as a gym membership, and cut down on the amount you spend on non-essential items or entertainment in the months running up to applying for your mortgage.

We also believe that professional local advice is essential. We can search many different lenders across the UK mortgages sector to find the mortgage most appropriate for your specific needs.  Also, because our mortgage advisers are local people based at our office near Tamworth they know the area, they know the local estate agents and other professionals such as surveyors and solicitors and will hold your hand throughout the process from applying for your mortgage through to the day you move in.  And, we hope your relationship with us doesn’t end there.  We hope that you will seek the help of one of our financial advisers on other financial planning requirements you may have from time to time.

Your first meeting with one of our mortgage advisers is at our cost and without obligation. So get in touch and make an appointment to talk about your options.

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

Almost A Third Of UK Employees Don’t Have A Financial Back Up Plan!

Critical Illness LichfieldResearch1 shows that nearly a third of employed people in the UK don’t have any contingency in place should they suddenly lose their primary source of income.  If you lost your job, that would be bad enough.  But imagine that you lost your income because you were sick.

Figures from Macmillan and the British Heart Foundation show that in the region of 1,000 people every day are diagnosed with cancer and nearly 200,000 people have heart attacks each year in the UK.

What if…. you were one of those people? How would you and your family cope financially?  Critical Illness Insurance can pay out a lump sum that may enable you to stop working or go part-time so you can concentrate on getting better.  This can be combined with life insurance, or you may wish to look at other financial protection options.  For peace of mind talk to your Financial Adviser about your circumstances and if Critical Illness Insurance is right for you.

1Legal & General, 2017