Olivia Arnold Receives Our Quarterly Award

Financial Adviser Sutton Coldfield
Olivia Arnold, Receptionist

Our Receptionist Olivia Arnold does much more than greet our visitors!  Her job title definitely doesn’t tell the full story, and that’s why her colleagues put her forward for our Quarterly Recognition Award.

Our senior management team gave the award to Olivia in recognition of her hard work and commitment to the Firm and her growing confidence and desire to learn and adapt to whatever task is required.  For example, Olivia now takes the Minutes of our weekly meeting, she manages all the supplies that give us a top-quality working environment, not to mention managing the plethora of stationery we need.  She provides support to our MD Martin Ward, provides additional support to our Client Support team and is being trained so that she can give cover in the department.

“I feel very appreciated and happy.” Says Olivia.  “It is good to feel that all the little things that I do, add up and this has been recognised.”

Olivia was nominated by several colleagues including Financial Adviser Nic Whittaker, who provides financial advice local to Sutton Coldfield.

Cheese, Wine and Q&A

Financial Adviser Sutton Coldfield
Mark Timmins, Financial Adviser

Darwin Court Care Home in Lichfield recently held a social cheese and wine event for their residents and families with the added benefit of being able to meet a Financial Adviser and a Solicitor.  They invited Mark Timmins, one of our Financial Advisers and Rebecca Head, Solicitor at Four Oaks Legal Services to provide general information on issues that affect people living in care homes.

Although no specific financial advice was given, residents asked questions around paying for care and the investment of funds to pay for care in the future.  From a legal perspective the questions were more around how to stop a family home being sold to pay for care and how to protect property so that children and grand-children can receive an inheritance.

Mark Timmins is a Financial Adviser who is qualified to give financial advice on all aspects of financial planning.  He also holds the additional qualification required to give financial advice on Long Term Care.  Mark is one of our team of Advisers who provide financial advice local to Sutton Coldfield and across the wider area.

Four Oaks Legal Services Limited is not an appointed representative of Quilter Financial Planning Limited, and Quilter is not responsible for the services and activities provided by Four Oaks Legal Services Limited.

Legal Advice is not regulated by the Financial Conduct Authority.

Announcing Gemma Randle Has Joined Our Team

Financial Advice Sutton Coldfield
Gemma Randle, Client Support

We’ve extended a warm welcome to Gemma Randle who has joined our Client Support Team.  Gemma is no stranger to financial services and administration, having previously been a mortgage adviser at HSBC for 10 years and the Principal’s PA at a secondary school for the past two years.

In her new role Gemma will be supporting our Financial Advisers who provide financial advice in Sutton Coldfield and across the region.  Her duties include carrying out important administrative tasks such as inputting new client details and liaising with financial services providers so our Advisers can act on our new clients’ behalf.

Gemma, who is married and a mum of two, chose to join us because she wanted to get her work/life balance back.  Outside of work she describes herself as “Mum’s Taxi” and enjoys the gym, seeing friends and family holidays.

Gemma has been surprised at how busy our Client Support Team is, saying there is never a quiet moment.  She particularly likes working as part of a team and is looking forward to progressing in her career here at Four Oaks Financial Services.  Welcome Gemma!

Susie Leek Joins Our Adviser Team

Financial Advice Lichfield
Susie Leek, Mortgage & Protection Adviser

Experienced Mortgage and Protection Adviser, Susie Leek has joined our team of financial advisers who provide financial advice in Lichfield and across the Midlands.

Susie brings a wealth of experience and knowledge with her, having worked at HSBC for many years in the role of Mortgage & Protection Manager. Susie made the decision to join Four Oaks Financial Services owing to the behind-the-scenes support provided by our paraplanning, administration and client liaison teams.

Susie said “I decided to join Four Oaks because I really feel I will be getting my work/life balance back on track. Four Oaks has streamlined procedures and they have got the right people in the right jobs. With the support provided by my new colleagues I can focus on what I am good at, which is giving mortgage advice and making sure my clients have the right level of protection to safeguard what is most precious to them.”

For the next 18 months or so Susie is going to concentrate on mortgages and financial protection but is keen to add to her qualifications in the future so she can give financial advice in other areas, such as Pensions.

Outside of work Susie adores spending time with her young daughter and enjoys music; even managing to get to a couple of festivals this year. Welcome to the team Susie!

Putting Off Pension Planning Will Cost You!

Pensions advice Sutton ColdfieldIt doesn’t pay to delay decisions regarding pensions and planning for your income in retirement. The reason for this is the later you leave it to start a pension, the more you are going to have to contribute each month.

If you want to retire with an annual income of £20,000 you may receive a State pension of about £8,700 per year, but this will depend upon your National Insurance record. This means that you will have to fund the difference through pensions, savings and other investments.

We’ve done some calculations based upon someone starting to save into a pension at age 25, 35 and 45. At age 25 you would need to contribute £298 into your pension every month, at age 35 this increases to £413 and at age 45 its £628 per month.

Pensions are an attractive way to save for retirement as they give access to professional fund managers and offer considerable tax benefits. Our Advisers, who provide financial advice in Sutton Coldfield and across the region, are expert at finding an appropriate pension plan for our clients and helping them towards a happy and comfortable retirement.

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.

Talk to your Financial Adviser about your income in retirement and pension planning or make an appointment through our Client Liaison Team on 0121 323 2070 or clientliaison@fouroaksfs.com.