Phoenix Learn About Financial Planning

Financial Advice Sutton Coldfield
Karen Hagan, Financial Adviser

Financial Adviser Karen Hagan recently gave a presentation for the Phoenix Networking group on Financial Planning and How To Get Financially Fit. Phoenix is a business networking group for ladies. Karen, who gives financial advice local to Sutton Coldfield, is an experienced financial adviser and one of our advisers who often works with female clients.

Her presentation was split into four sections. First giving tips on getting financially fit that you can do yourself. Followed by financial planning that needs the help of a financial adviser. She then touched on behavioural economics and finally, ran through our “bucket” presentation. If you have not yet seen this, please ask your financial adviser or book an appointment with our client liaison team.

Top Tips On DIY Financial Planning

In her presentation Karen talked about things that everyone can do for themselves to get fitter financially. Such as, clearing debt, transferring credit card balances, re-mortgaging at a lower rate and making a Will.

The Support Of A Financial Adviser

Karen went on to outline the circumstances where you will usually need the advice of a financial adviser.  For example, making contributions to your pension and tax planning. Or, when looking to make financial investments especially when the stock market is volatile and could be causing the client some anxiety.

Behavioural Economics

In this section Karen talked about attitudes to risk.  Everyone is different.  Some people are put off investing on the stock market, because they perceive it to be risky.  Others have a less cautious attitude to risk. What a financial adviser does is educate people on all the different investment options available and the associated level of risk.

Karen wrapped up her presentation with a light-hearted but very informative run through our “bucket” presentation. This explains the role of financial planning throughout your life and is aligned to our Lifestyle Financial Planning approach.

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This Quarter’s Essentially Wealth Magazine Is Now Available

Mortgage Advice Sutton ColdfieldWe are very pleased to announce that our quarterly magazine, Essentially Mortgages is now available. This is exclusively for our clients to whom we provide mortgage advice in Sutton Coldfield. To read this magazine please click on this link Essentially Mortgages Magazine Q1 2020

This is a complementary magazine for Four Oaks Financial Services mortgage advice clients.  It is full of useful information and topical articles for anyone with a mortgage or looking for a mortgage.  The format delivers lots of news and things you need to know, in a quick and easy to read format.  In this first issue of 2020 you will find articles that our clients seeking financial advice in Sutton Coldfield, and throughout the Midlands area, will find of interest.

Highlights of this issue focusing on Mortgages include:

  • Self-employed? Securing A Mortgage Need Not Be Mission Impossible
  • Garages And Gardens – House Hunters’ Top Priorities
  • Home Affordability Improving For Many
  • Is Mortgage Apathy Costing You Money?
  • Life Insurance For Astronauts?
  • Are Your Christmas Gifts Insured?
  • Thinking Of Remortgaging In 2020? You’re Not Alone
  • Moving Home May Cost More Than You Think
  • Missed The Help To Buy ISA Deadline?
  • Five Things To Remember When You Move Home
  • Your Changing Protection Needs For Every Life Stage

We will be emailing Essentially Mortgages to all of our clients in the next few days.  If you are not on the mailing list and would like to receive this and the sister publication Essentially Wealth, please email clientcontact@fouroaksfs.com.

If you want further information about any of the articles and how you could be affected, our team of Financial Advisers are always available to provide financial advice to our clients in Sutton Coldfield and right across the Midlands region. For help and advice you can contact your Adviser direct, or you can contact our Client Liaison team to make an appointment.

This Quarter’s Essentially Wealth Magazine Is Now Available

Financial Advice Sutton ColdfieldFor our clients to whom we provide financial advice in Sutton Coldfield and across the Midlands, our quarterly Essentially Wealth magazine is now available for you to read. Please click on this link Essentially Wealth Magazine Q1 2020

This is a complementary magazine for Four Oaks Financial Services clients.  It is full of useful information and topical articles delivered in a quick and easy to read format.  In this first issue of 2020 you will find articles that our clients seeking financial advice in Sutton Coldfield and across the region will find insightful.

Highlights of this issue focusing on financial advice include:

  • University – Addressing The Challenge Of Covering Costs
  • Waiting for the Green Shoots of Spring
  • Your Changing Protection Needs For Every Life Stage
  • Free Childcare – Grandparents Really Are Doing Their Bit
  • IHT Receipts Continue To Rise – Planning Pays
  • A Changing Retirement Landscape
  •  Generation Grudge – Desperately Seeking Balance
  • Aggravated By Acronyms?
  • The ‘Front Door’ Of Advice Is Always Open
  • Tax Year End Reminder – Use Your Allowances
  • UK Lags In Terms Of Retirement Security

We will be emailing this magazine to all of our clients in the next few days.  If you are not on the mailing list and would like to receive this and the sister publication Essentially Mortgages, please email clientcontact@fouroaksfs.com.

Remember the 2019-2020 tax year end is 5th April 2020.  The clock is ticking.  Don’t miss out. We can help you utilise your 2019-2020 tax year allowances.

If you want further information about any of the articles and how you could be affected, our team of Financial Advisers are always available to provide financial advice to our clients in Sutton Coldfield and right across the Midlands region. For help and advice you can contact your Adviser direct, or you can contact our Client Liaison team to make an appointment.

Why Have 42% Of Us Got An ISA?

Financial Advice Sutton ColdfieldAccording to HMRC 42%* of people hold an ISA. The reason for this popularity is that they are very tax efficient ways to save, benefitting from no Income Tax and no Capital Gains Tax. In fact, for most people they are one of the best ways to save, so the Government restricts how much you can invest in an ISA each tax year.  For the tax year that ends on the 5th April 2020 adults have an ISA Allowance of £20,000 and children £4,368.

It is important to note that you have to use the allowance in the current tax year.  It cannot be taken over into the next tax year. Use it or lose it.  If you are not sure if you have used all of your ISA allowance this year, or you want to have your existing ISAs reviewed, please speak to your Financial Adviser straight-away. ISAs are usually straight-forward to set up, but you’ve only got until 5th April if you want to invest in your ISA this year.

Find more information about financial advice for ISAs local to Sutton Coldfield.

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.

Our qualified Advisers have the expert knowledge to help you chose the most appropriate ISA based upon your circumstances and financial goals. To make an appointment contact our Client Liaison Team on 0121 323 2070 or clientcontact@fouroaksfs.com.

*HMRC, April 2019