The New Issue Of Essentially Wealth Magazine Available Now

Financial Advisers Sutton ColdfieldWe will be emailing the latest issue of our Essentially Wealth magazine to our client in the next few days, but you can read it here right now.  If you would like to receive this via email and are not on our mailing list please contact

In this issue read about how being absent-minded is costing you money and, an article on the “B” word and your finances.

To download Essentially Wealth follow this link Q1 2019 Four Oaks Essentially Wealth lr

Our Latest Essentially Mortgages Magazine Is Available Now

Mortgages Sutton ColdfieldAll of our clients will be receiving this magazine via email in the next few days.  If you are not on our mailing list and would like to receive this magazine please email or you can download it here.

Read about how to avoid buying a “money pit” and how the “Bank of Mum and Dad” can help first-time buyers.  Follow this link Q1 2019 Four Oaks Essentially Mortgage lr

Proud To Sponsor Norton Canes Football Club

Financial Advisers in Lichfield
Financial Adviser Nic Whittaker and his nephew

As a local firm of financial advisers providing financial advice in Lichfield and throughout the area we have many local connections. Some are business, but others are family connections.  Nic Whittaker is one of our financial advisers and his nephew Finley is a defender in the Under 11s team at Norton Canes Football Club.  The club were looking for someone to step-in and sponsor their home kit.  Four Oaks Financial Services was only too happy to help.

Finley has been in the team for three years, and Uncle Nic goes as often as he can to support him on a Sunday morning. It is a big commitment to be part of the team as they train on Wednesday and Saturday as well as playing matches on Sundays.

“I was really pleased that we could help the team out.” says Nic Whittaker. “The coaches are really good and so are the parents and players.  They were struggling to get sponsorship and not only is this an ideal way for Four Oaks Financial Services to make more people aware of us, but we help the team too, which is a win/win for everyone.”

Four Oaks Financial Services is delighted to be sponsoring the home kit for two years. Norton Canes Football Club has teams for all age groups, to find out more follow this link

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.

We’re Looking For Financial Advisers Who Are Fed Up!

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

We need experienced Financial Advisers to join our team. We know it is very tough to be an Adviser working alone in your own practice.  Come and join us.  We have a large experienced team who will support you.  You focus on servicing your clients and providing financial advice and we will do your:

Administration, Paraplanning, Compliance, Marketing, Appointment Making

We are a very successful and well-established firm of Financial Advisers working across the Midlands. We saw the increasing complexity in financial services coming over the horizon to hit Advisers so we invested and built up our support team who work along-side our team of Advisers.

Follow this link to our Careers page to find out more.

Announcing the Engagement of Mark Banks

Financial Advice Local To Sutton ColdfieldWe are delighted to announce that Paraplanner, Mark Banks has become engaged to be married to his partner Vicki.

Mark had planned to pop the question on 21st December but overcome by the moment, Mark proposed to Vicki at the Four Oaks Financial Services Christmas Party on 15th December!

The original plan was for Mark to get down-on-one-knee at a Christmas evening at the Black Country Living Museum. The couple, and their new baby son Freddie, still made the trip and the photo is of the happy couple drinking a Traditional Scrumpy Cider at the museum.

Mark and Vicki have been together for three and a half years, and baby Freddie was born last September. Mark is a life-long supporter of Walsall Football Club, but wife-to-be Vicki isn’t really into football but went to Aston Villa as a child, Mark says he doesn’t hold this against her!  As yet they have not set a wedding date, their number one priority is to buy a family home.

Mark is a valued member of our Paraplanning team. In his day-to-day role he works closely with our Financial Advisers who provide financial advice in Sutton Coldfield and across the wider area.

Congratulations to Mark and Vicki from the whole team, we are very happy for you.

Dangers of Not Getting Mortgage Advice In Sutton Coldfield?

Mortgage Advice Sutton ColdfieldFailing to get appropriate mortgage advice in Sutton Coldfield could cost you dearly in the future.  A survey from a major insurer shows that 14% if people think they will still be paying their mortgage at age 70*.  This means that mortgage options might need to be considered as part of your retirement planning, when just a few years ago this would have been unimaginable.

People are getting on the property ladder later in life and lenders are granting mortgages for much longer terms.

Whether you are a first-time buyer or simply looking to move to a larger property or even downsize, there is a wide range of mortgages to chose from, so getting mortgage advice in Sutton Coldfield is essential.

You might not be looking to move at all. You may be one of the very sensible people who get their mortgage reviewed every couple of years to make sure the mortgage you’ve got is still the right one for your circumstances.

By getting professional mortgage advice in Sutton Coldfield you may be surprised to learn about mortgages that you didn’t know existed or find that what you thought was a great deal is not all that it seems, when someone who really understands mortgages delves into the details.

For example you need to consider the fees associated with any mortgage deal, and some mortgage lenders will offer incentives such as a free valuation, free legal fees or even cash back. When you get mortgage advice in Sutton Coldfield from one of our Advisers we will be able to help you calculate how these incentives will affect the overall cost of the deal, as they may make the mortgage not cost-effective.

Getting the right mortgage for your specific circumstances and in line with your financial goals is essential. This could save you hundreds, if not thousands of pounds and protect you from early exit fees and so on.  We are a local firm and it pays to take professional mortgage advice in Sutton Coldfield from one of our Financial Advisers who know the local market and what the lenders can offer you.  You can of course do this research yourself, but would you be confident that you understand all the small print and options available?  Taking out a mortgage is a very big financial commitment, making the right decision for you is absolutely crucial.

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

Your first meeting with one of our Financial Advisers for mortgage advice in Sutton Coldfield is at our cost and without obligation. Please contact us to discuss your requirements.

*Aegon, 2018

Lifestyle Financial Planning – What Our Clients Say!

Lifestyle Financial Planning Sutton ColdfieldOur approach to financial planning is far more holistic than the financial advice you may have received in the past. We call our approach Lifestyle Financial Planning.

“I found the Lifestyle Planning fantastic! It put my mind at rest concerning my financial future which is a great comfort! My Adviser, Mark Timmins, was very helpful and friendly and sorted my Pension easily and swiftly. I wouldn’t hesitate to recommend Four Oaks FS to anyone and especially the Lifestyle Planning for those who have any worries about their finances in the future!” Elizabeth Arnold

“I found the discussions very interesting and the lifestyle planning tool has already made me think harder about what I would like to achieve in future. I am starting to see that the client-advisor relationship is so much more than just the practicalities of pension planning and reaches far further into all aspects of life. As I said, I am feeling much more positive about money in general following our visit and I look forward to seeing what happens next with the steps we discussed.” Shelagh Mitson

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.

At Four Oaks Financial Services our Financial Advisers provide financial advice in Sutton Coldfield and across the region. Book an appointment with your Adviser if you would like to find out more about our Lifestyle Financial Planning service and how this could help you be more confident about your financial future.

Happy New Year 2019

Financial Adviser Sutton ColdfieldWe hope all our clients have had a wonderful Christmas and New Year break, with lots of rest and good times spent with family and friends.

As we start the New Year look out for our newsletter that you will be receiving in the next in couple of days via email. This looks back on 2018 and contains ideas for your financial New Year’s Resolutions. If you don’t receive this, please let us know.

Finally, whilst you have probably just put your Christmas jumper back in the wardrobe, here is a reminder about the end of the tax year and to make sure you use your ISA Allowance. This is an annual allowance that must be used by 5th April 2019.  It cannot be carried over, so don’t miss out on this tax efficient way to save.  If you are not sure whether you have used your allowance or not, please talk to your Financial Adviser who provides financial advice local to Sutton Coldfield and the 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.

Investors do not pay any personal tax on income or gains, but ISAs do pay unrecoverable tax on income from stocks and shares received by the ISA managers.