Life Insurance In Sutton Coldfield Will Protect Your Family

Life Insurance Sutton ColdfieldLife Insurance in Sutton Coldfield is important. This is one of the most prestigious neighbourhoods to live in in the area, and living here is not cheap.  So, imagine what could happen if you were to die and no financial protection cover had been put in place for your family.

For most people their monthly mortgage payment is the single largest monthly bill, so they take out life insurance to cover their Sutton Coldfield home.  However, with so many different policies and a wide range of benefits on offer we recommend you consider your circumstances as a whole, and look at the bigger picture with a proper discussion with one of our Financial Advisers local to Sutton Coldfield with life insurance being just one of the things you discuss.  We call this holistic approach lifestyle financial planning.

If you simply take the life insurance offered by your mortgage provider you will not be aware of the other products on the market that could have greater benefits for the same or similar premium. If you look online for your policy you may not get the cover that is most appropriate for your specific circumstances.  For example, did you know that critical illness insurance can be combined with your life insurance in Sutton Coldfield?  Life insurance pays out when you die, but what if you were injured or too sick to work?  These are the kind of discussions and scenarios your Financial Adviser will go through with you.

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

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

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

“A Day In The Life Of A Paraplanner” Available Now

Financial Advice Tamworth
John Smith, Head of Paraplanning


We have a whole team of Paraplanners in-house here at Four Oaks Financial Services. We bet you are you wondering what a Paraplanner does.  Most people have never heard of a Paraplanner, but they provide a vital support role to our Financial Advisers who provide financial advice local to Tamworth and the wider Midlands region.

With the help of John Smith, our incredibly knowledgeable Head of Paraplanning, we’ve created a document for you to download. This explains the role of our Paraplanning team and how they work along-side our Financial Advisers and Customer Support Team to ensure all of the technical aspects of a client’s investment are completed and approved.

To find out more about the role of our team of Paraplanners, follow this link to download A Day In The Life Of Paraplanner


Emily Becomes Dedicated Client Support For Financial Adviser Ian Cleghorn

Financial Advice Tamworth
Emily Walker, Client Support

Senior administrator Emily Walker, has taken on the role of dedicated Client Support for Financial Adviser Ian Cleghorn. The purpose of Emily’s new role is to ensure that the very high level of service enjoyed by Ian’s clients continues.

Financial Adviser Sutton Coldfield
Ian Cleghorn, Chartered Financial Planner

Ian is one of the most highly qualified advisers providing financial advice in the Lichfield area. As a Chartered Financial Planner and Fellow of the Personal Finance Society, Ian has distinct qualifications and experience which means that unlike most advisers, he is able to work on certain kinds of complex cases.  With an ever-increasing number of people entrusting their financial planning to Ian, his challenge is to make sure that he continues to provide an excellent level of ongoing service to all clients – some of whom he has worked with for more years than he and they choose to remember!

Ian is now supported by Emily who expertly deals with the copious amounts of documentation, freeing Ian to work on casework, meet with his clients and concentrate on providing financial advice in Sutton Coldfield and wider area.

Emily moved from a senior administrative role within our Client Support team to become Ian’s dedicated support person. This move also provides a career path for Emily ensuring that we are able to keep our very best people within Four Oaks Financial Services.  Ultimately, keeping this depth and breadth of knowledge within our team guarantees an unrivalled financial planning experience for our clients.

“I am enjoying working with Ian and being a dedicated point of contact for his clients,” says Emily Walker. “Ian is still the main point of contact for financial advice, but I am able to give them feedback and updates on Ian’s behalf which I know they appreciate.”

Big “Well Done” To Charlotte Trueman On Passing Taxation Exam

Financial Advice near to Tamworth
Charlotte Trueman, Head Of Client Support

The R02 qualification on taxation is one of the hardest to pass, but Charlotte has done it! As a member of our in-house Training Academy, Charlotte has been studying for this exam since January.  She was supported on a weekly basis in her studies by her colleagues in the Academy meeting each week, as she tackled the course material comprising 10 chapters each of 50 to 60 pages on all aspects of taxation.

Charlotte has a pivotal role at Four Oaks Financial Services as Head of Client Support and she is also a busy mum, so packing in all the study and revision is a big commitment. We are delighted that she has passed.  The examination is time limited to 120 minutes and tests not only the candidate’s knowledge but their ability to perform correct calculations.

“The reason I am studying for the Diploma in Professional Financial Advice, is two-fold.” Says Charlotte. “It gives me the option in the future to become an Adviser, but right now having a much greater understanding of taxation helps me on a daily basis. When I am updating clients on the progress of things like the processing of their ISAs and pensions, I have a better grasp of what they and their Adviser are working to achieve, so I feel that I am doing a better job for the client and the firm.”

In her role as Head of Client Support, Charlotte and her team provide essential support to our team of Financial Advisers providing financial advice in Tamworth and wider area.

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.

Warm congratulations on this achievement Charlotte.

Money Raised For Our Charity Buddy Bag Foundation

Financial advice Lichfield
Karen Williams, Buddy Bag Foundation and Martin Ward, MD, Four Oaks Financial Services

We recently held our second annual golf day, and we took this opportunity to raise much needed funds for our charity Buddy Bag Foundation. We invited Buddy Bag Foundation to give a short presentation on their work which annually helps thousands of children who find themselves in womens’ refuges with no belongings.

Our golfers and other guests raised £440 which will directly help 17 children in the UK. Our Financial Advisers who provide financial advice local to Lichfield and across the Midlands, and our entire team are very supportive of Buddy Bag, having given their time on numerous occasions to physically pack Buddy Bags, as well as donating money and sourcing the contents of the bags.

Buddy Bag Foundation has delivered 14,250 Buddy Bags to date. Their goal is to achieve 20,200 bags delivered to children by the end of 2020.  All of us at Four Oaks Financial Services will continue to donate our time, money and skills but if your organisation would like to find out more please visit the Buddy Bag Foundation <link to> website or ask one of our Financial Advisers for the charity’s contact details.

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.

A Day In The Life Of A Financial Adviser

Have you ever wondered what your Four Oaks Financial Services Financial Adviser does every day? We asked Ray Ceairns, one of our most experienced Financial Advisers what he does on a typical day, and found out that there is no such thing!  We also found that the role of an adviser is much wider than our client’s might expect. For example liaising with a care home provider and attending a case conference with the client and care provider.

To find out more about the role of our Financial Advisers, follow this link to download A Day In The Life Of A Financial Adviser.

A Day In The Life Of A Financial Adviser

Four Oaks Financial Services provides local financial advice in Lichfield and the surrounding areas of Sutton Coldfield and Tamworth.

Congratulations To Nic Whittaker On Passing AF7 Exam First Time

Nic Whittaker, Financial Adviser

Huge congratulations to Financial Adviser Nic Whittaker who has passed one of the most difficult professional exams, first time.  Nic has passed the AF7 exam on Advanced Pension Planning.  The course syllabus covered detailed pension planning including Defined Benefits and Final Salary Pension transfers.

Nic, who provides local financial advice in Lichfield and wider area, has been studying for six months in preparation for this exam that has a pass rate of around 43%.  He has been studying for 10 to 12 hours per week and has also spent an additional four hours per week with his study group.

Nic said “This qualification has been tough to achieve.  However, I am now classed as a Pension Transfer Specialist which means I can work on more complex pensions and also give advice on the suitability of pension transfers.  This has already been of benefit to one of my clients as I have been able to help with a complex pension, rather than pass them to one of my colleagues.  Because I know the client and their circumstances well, they have been pleased that they have been able to do this with me.”

Passing the AF7 exam is another step for Nic along his journey to become a Chartered Financial Planner.  He has another three AF examinations to pass and he is planning to do this within the next two years.  Well done, Nic.

Transferring out of a Final Salary scheme is unlikely to be in the best interests of most people.

However, there are some circumstances where we might consider a Defined Benefits transfer.

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.

UK Interest Rate Rise

Financial Advice Lichfield
Martin Ward, Managing Director, Four Oaks Financial Services

The Bank of England has raised interest rates for the second time in 10 years. The rate has gone up a quarter of one percent (0.25%) to 0.75%).

Four Oaks Financial Services MD, Martin Ward says “We have been seeing indications that interest rates were likely to rise, but only slowly. This has been borne out by this rise in interest rates to 0.75%. Although this is only a small increase it is good news for savers and investors, but you still need to make sure that your savings and investments are in the accounts or investments where you can maximise the return on your capital, specific to your personal circumstances. If you’ve got a mortgage then unless you are on a fixed rate you will see your monthly payments to your lender rise.”

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.

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

This is a great time to contact your Four Oaks Financial Services Adviser in the Lichfield area for a savings and investments review, or if you have a mortgage and are concerned about this interest rate increase in any way, we are here to help you.