Hello Freddie Banks!

Financial Advice Sutton Coldfield
Proud dad Mark with baby Freddie

We are delighted to announce that Mark Banks has become a father for the first time. Baby Freddie was born on 11th September weighing in at a healthy 6lb 4oz.  Both mum, Vicki and baby are doing fine.  But, like most babies, Freddie is nocturnal and Mark is still adjusting to interrupted sleep!

Freddie who has visited the office on a couple of occasions is growing fast but is not yet big enough to fit into the Walsall Football Club baby-grow Mark bought for him. Mark is a season ticket holder at the Saddlers and can’t wait for Freddie to be able to join him when Walsall play at home. The football ground is sponsored by Banks’s so we’re sure Freddie will get a font row seat!

Great news and congratulations to Mark and Vicki on the birth of their son from all the Advisers who provide financial advice in Sutton Coldfield and the entire support team.

Let’s Talk About Private Medical Insurance in Sutton Coldfield

Private Medical Insurance Sutton ColdfieldDon’t get us wrong, there is absolutely nothing wrong with the medical care that’s provided by the NHS at Good Hope Hospital, Sutton Coldfield. Because we are a local firm providing local financial advice many of our own staff, friends and family have been treated there.  But, if you want to get a diagnosis faster, or treatment for certain medical conditions quicker, there is no substitute for having private medical insurance in Sutton Coldfield in place.

Over the past few years insurance providers have reviewed the cost of this kind of cover and this is now a very competitive market. There are lots of options to consider which is where we can help. We take a holistic view of financial advice and therefore can recommend the most appropriate private medical insurance in Sutton Coldfield based upon your individual circumstances. You could of course do this yourself, but we can save you time and because we know the market and are regularly talking to clients about all kinds of insurance we are experts in recommending private medical insurance in Sutton Coldfield.

When searching through the options and costs you may be surprised to learn that you can arrange cover for you and your spouse and in some instances your children can be covered too, up to a certain age. Whilst not a replacement for the treatment and care provided by the NHS, procedures for which you may have to wait for a length of time for, such as knee or hip replacements can be done at a time that is convenient to you and save you being on a waiting list for what can be months.

We can arrange private medical insurance in Sutton Coldfield, so why not contact one of our Advisers for a no-obligation chat. This peace of mind may cost less than you think, and if you have got pre-existing conditions these can be taken into account and with some policies after a qualifying period they can be covered.

Your first meeting with one of our financial advisers to discuss private medical insurance in Sutton Coldfield is at our cost and without obligation. Please contact us to discuss your requirements.

Harriet Walks And Races For Charity

Financial Adviser Sutton ColdfieldHarriet has been doing her bit for charity! Harriet Partridge is one of our Financial Administrators in our Client Support Team, providing admin for our team of Financial Advisers local to Sutton Coldfield.  Harriet has recently completed the Alzheimer’s Society Memory Walk and the Race For Life in support of Cancer Research UK.  Both events took place in Sutton Park.

Harriet had personal reasons for doing each of these fund-raising events, but especially the 3km Memory Walk which she, her daughter, mum and aunt did together in memory of Harriet’s grand-mother. Her grand-mother had suffered from Alzheimer’s disease for many years, and Harriet witnessed how such a strong woman who had brought up seven children on her own was affected by this illness and wanted to raise money for the research that may prevent or cure Alzheimer’s in the future.

The inspiration to do the 10km Race For Life came from Harriet’s step-mum, who is a cancer survivor. Harriet, her six year old daughter, her sister and friends all took part in this women-only event – she said it was more of a walk than a run! The money raised will help to fund research into finding new ways to prevent, diagnose and treat cancer.

Well done, Harriet!

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Mark Banks Awarded Diploma in Financial Advice

Financial Advice Sutton ColdfieldCongratulations to Paraplanner Mark Banks on passing his final professional qualification to earn the Diploma in Financial Advice. Mark joined Four Oaks Financial Services in 2013 and is a fantastic example of how hard work, determination and a career path with our firm pays off.  Upon passing his 6th examination he has gone from a junior administrator five years ago to fully qualified.  This means that he is now qualified to the same level as our Financial Advisers. For the time-being Mark has no plans to move from Paraplanning, but may switch to becoming an Adviser in the future.

Mark would like to thank Chartered Financial Planner, Ian Cleghorn and John Smith, our Head of Paraplanning for helping him with his studies, although he says that everyone in the team has been very supportive. “I love being part of the Paraplanning Team.” says Mark.  “There is always a great atmosphere and I am always learning and gaining experience.”

In his Paraplanning role Mark meets daily to discuss cases with our fully qualified Financial Advisers local to Sutton Coldfield and working across the region. Having recently become a father he is taking a break from exams for a while but is planning to study to become a Chartered Financial Planner in the not too distant future.

Well done Mark, it is very difficult to achieve the Diploma and you’ve done it!

Financial Adviser Nic Whittaker Celebrates 5 Years’ Service

Financial Advice Lichfield
Nic Whittaker, Financial Adviser

Congratulations to Financial Adviser, Nic Whittaker on completing 5 years’ service at Four Oaks Financial Services.

Nic joined the practice as a Mortgage and Protection Adviser, but within a few weeks he had passed his professional examinations and became a fully qualified Financial Adviser. In the last five years Nic has seen the business move from a small office to large modern premises, and the overall service offering has improved. “As an Adviser I’ve got a lot more to offer to clients.” Says Nic.  “The Adviser team, myself included, is much more qualified and we have specialists in all areas so as a firm we can now offer Lifestyle Financial Planning, Equity Release and Final Salary Pension Transfers. The launch of Four Oaks Legal Services has meant that we can completely look after our clients’ financial planning, all under one roof.”

Nic is a well-respected member of our Financial Adviser team who provide financial advice local to Lichfield and across the wider area. He has been in financial services for 17 years and has a great deal of experience, which he is happy to share, especially with new Advisers and helping them to settle in.

We asked Nic what was his best memory of the last five years. Nic said “Apart from my first interview when I was suffering from tonsillitis and shingles, my best memory is a continuous memory of the last five years. Four Oaks Financial Services has given me everything I’ve got and ever wanted in my career and it is always a great place to work.”

Congratulations Nic and we hope you enjoy your gift from the Company.

Equity Release will reduce the value of your estate and can affect your eligibility for means tested benefits.

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.

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.

Do You Have Pensions With Former Employers?

Pensions Sutton ColdfieldWhen you have changed jobs you may have left behind a pension with your old employer. If you have changed jobs several times you may have pension plans with several of your previous employers.

You may not have reviewed these pensions, no matter how large or small, for a number of years. You may be assuming that your previous employer is taking care of them on your behalf.  The problem is that the pension may not be invested in funds that reflect your risk profile, especially as you get closer to retirement, and they could be in old pension schemes that incur high charges, which eat into the value of your pension pot.

One of our Financial Advisers, who give financial advice local to Sutton Coldfield an across the area, can take a look ‘under the bonnet’ so to speak. They can review all of your pensions no matter where they are held and find out how they are performing for you.  They will be able to explain what you’ve got and, depending upon your unique circumstances, advise you on whether to keep them where they are, or if there are other pension funds that you can move them to that will give you a better return.  It is always wise to regularly review your pensions and other investments to ensure they are on-track to meet your goals.

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.