John Smith Celebrates 5 Years’ Service

Financial Adviser Sutton Coldfield
John Smith, Head Of Paraplanning

When John joined us in 2015 it was as a qualified Financial Adviser, but his career soon took a different path. John had wanted to move into Paraplanning, that’s research for those unfamiliar with industry jargon, but there had always been a catch.  No-one would give John the chance to be a Paraplanner as he didn’t have experience, and the only way you can get experience is by doing the job.  Thankfully, we are a bit more pragmatic and when a vacancy arose in our in-house Paraplanning team we were delighted to give John the opportunity to switch career.  And, we are very pleased we did!

Showing a superb aptitude for Paraplanning work, John was soon promoted from Junior Paraplanner to Paraplanner and a couple of years later, following a restructure, John became Head Of Paraplanning.

In the past five years our team of Financial Advisers who provide financial advice local to Sutton Coldfield, and who produce the work for our Paraplanning team has increased from 8 to 14 Advisers.  We have not increased the Paraplanning team, but John has overhauled the structure of the team, the systems and processes, and no-one has left which shows what a great manager he is!

We presented John with a certificate and a gift from the company, which he is going to put towards a trip to Barcelona with his family.  John said “I am very grateful of the opportunity, four and a half years ago to move into Paraplanning.  I would not be where I am today, and I love being part of the Four Oaks team.”

John is currently working towards his AF7 qualification in Advanced Pension Transfers and is aiming to complete this by the end of the year.  Well done John!

Becky & Ruth Recipients Of Quarterly Recognition Award

Financial Advice Sutton Coldfield
L – R Becky Dyche and Ruth Hughes

Every quarter we nominate the person that we think has gone above and beyond and deserves special recognition. The Senior Management Team then make the difficult decision as to who receives this accolade.

Of the nominees for Q4 2019 there were two people whom it was impossible to decide which should receive the award.  So Paraplanner Ruth Hughes and Becky Dyche of our Client Liaison department were declared joint recipients.

Charlotte Trueman, Head of Client Support said “Becky has won this award owing to her developing a deep understanding of our new back office system, Xplan. Becky has become the go-to person on all things Xplan related. Becky has also been flexible with her working hours and is happy to stay longer to ensure the work we do for our clients is done that day. Becky is also instrumental in organising monthly marketing campaigns and assisted with a number of mailshots in the last quarter of 2019.”

John Smith, Head of Paraplanning said “Ruth has won this award because it is sometimes difficult to believe that she has only been a member of the Paraplanning team for 18 months.  Ruth consistently produces research and suitability reports of an exceptional standard to support our financial advisers who provide financial advice local to Sutton Coldfield.”  He went on to say “Ruth always exhibits a can-do approach and is always willing to go the extra mile.  Ruth has also been instrumental in the successful integration of our new back office systems and is a true asset to Paraplanning and Four Oaks.”

Becky remarked, “I was shocked and pleased to receive this award, but it does give you a boost”.  Ruth said, “I was surprised, but I think everyone deserves this award as we all do our job to the best of our ability.” Well done to both Becky and Ruth who each received a gift and a certificate.

Keeping A Clear Head For Investments In Sutton Coldfield

Investments Sutton ColdfieldAs a 14 strong team of Financial Advisers, on a daily basis we are talking to people about investments in Sutton Coldfield. Geographically this is right on our patch and from a knowledge point of view, right up our street!

As a firm we have advised on in excess of £100m of investments across a wide range of financial services.  We have Financial Advisers that are qualified and experienced to talk to our clients in Sutton Coldfield about investments. We believe that to make your money work hard for you, you need to regularly review how your savings and investments are performing.  We also believe that you need the help of a Financial Adviser to help you decide upon your investments in Sutton Coldfield.

Whether you are an experienced investor or new to the table, learning to ‘keep calm and carry on’ is an essential tool which is sure to stand you in good stead for the years to come.  But this is easier said than done. Of course, you can take care of your own investments, but having the comfort of a trusted local Financial Adviser to voice your concerns to about investments in Sutton Coldfield, is invaluable.

With all our clients we work together in partnership, to put in place a well-defined investment plan.  We call it Lifestyle Financial Planning. This takes into account many things, such as your goals, time horizon, financial situation and your attitude to risk.  We have to understand all of this before we can start to give advice on financial investments in Sutton Coldfield.

In a world where stock prices can rise and fall, sometimes by a wide margin in a short space of time, this kind of investment is not for everyone.  Some people can adjust to looking at a bigger, longer-term picture and keeping their nerve, for others this is impossible or impractical. We offer advice on a very wide range of savings and investments in 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.

We will keep your investments under regular review so that you have the most suitable asset allocation, in line with your risk profile. So, for a no-obligation chat about your requirements for investments in Sutton Coldfield, get in touch.


Welcoming Andy Robinson To Our Adviser Team

Financial Advice Sutton Coldfield
Andy Robinson

We are delighted to announce that Andy Robinson has joined us as a Protection Adviser. Andy was in the GB Windsurfing Olympic Squad for the build-up to the 1984 Los Angeles Olympics and has had a great career holding senior positions in business. He joins us with a wealth of knowledge from the “University Of Life”.

Having been a client of financial services for many years, now he’s on the other side of the fence Andy sees himself very much as the client’s champion. He readily identifies with the concerns and worries that people may have when seeking advice and no-one will find a more compassionate Adviser.

Andy is trained to give professional advice on financial protection and has joined the fast-track training programme, aiming to become a fully qualified Financial Adviser by the end of the Summer. This will give Andy the scope to advise his clients on a wider range of financial services.

Previously Andy was Managing Director at NT Telecom for over 30 years, he is a family man, he still regularly windsurfs and is a fell runner!  He has signed up to join his colleagues from Four Oaks Financial Services when we run in the Lichfield Half Marathon in May, and with his unique sporting knowledge he’s giving us all a few training tips.

Andy joins our 14 strong team of Advisers who provide financial advice in Sutton Coldfield and throughout the region.

Helping Core Maths Students At Aldridge School

Financial Advice Sutton ColdfieldIn recent months we have been invited to help teachers at Aldridge School add an extra real-world dimension to their classes. Late in 2019 Financial Adviser, David Jones and our Business Development Manager, Simon Trevelyan gave a presentation to students on careers in finance and banking. In early-January David was invited to speak to the Core Maths students.

Maths Teacher & Careers Leader, Vicky Hughes was coming to the end of the Core Maths Finance Module. She asked her students to create a list of questions to ask David. These ranged from “Can you have a financial adviser before the age of 18?” to “Do you know the proportion of people who don’t have enough money to afford a ‘normal’ lifestyle and are not in debt?”

There were 20 questions overall and David had to do some research in order to be prepared for this bright group of youngsters, some of whom have their sights set on Oxbridge. David said, “I was impressed with the quality of the questions, and also the attentiveness of the students during the session.”

Our team of qualified Financial Advisers give financial advice local to Sutton Coldfield and across the area. As a team we take great pride in serving our local community and are delighted to be asked to work with Aldridge School. We have already agreed to support them again by taking part in their Careers Fair in the Spring.

With Costs Rising How Will You Pay For Your Long Term Care?

The cost of a single room in a nursing home costs on average over £800* per week.  That’s around £41,600 per year and the Government doesn’t seem any closer to deciding what the State will provide to help people with their long term care costs. A policy paper was promised over two years ago but has still not been made public.  Currently, the funding of adult social care is broadly speaking, the responsibility of the individual.

Planning for long term care is difficult, as there are so many “and’s, ifs and “maybes” especially if you are not yet in your twilight years, but your Financial Adviser can talk to you about care funding options, as part of our holistic financial planning. With the costs of nursing and residential homes continuing to rise there is the potential for a massive impact on the future prosperity of families and individuals.

Find more information about financial planning for Long Term Care.

We have expert Advisers who have gained the extra qualifications required to give financial advice on Long Term Care financial planning in Sutton Coldfield and across the region. To make an appointment contact our Client Liaison Team on 0121 323 2070 or

*Source Age UK. 9th December 2019.

Why Is Financial Advice For Estate Planning In Sutton Coldfield Overlooked?

Inheritance Tax Sutton ColdfieldAs Financial Advisers who give advice on Estate Planning in Sutton Coldfield, we often find that people who have made a Will have not thought about financial advice!

We find this baffling. Perhaps people don’t realise that to leave a tidy sum of cash and assets to their loved ones, they need to think about building their wealth, and protecting it.  Estate Planning in Sutton Coldfield requires the advice of a qualified financial adviser, as well as the expertise of a solicitor.

Your solicitor will know how to draft your Will and make sure that it is legally valid, but what about Inheritance Tax? What if you should fall ill or need to go into care? Will you be able to live comfortably in retirement?

When you sit down with one of our Financial Advisers to talk about Estate Planning in Sutton Coldfield, they will suggest how can you protect your wealth throughout your life and when you die ensure that more of your money and assets stay with your family, not the tax man. In other words, by working with a financial adviser on Estate Planning in Sutton Coldfield you will have greater peace of mind that there will be something in the pot for your beneficiaries as set out in your Will.  Otherwise it is just a wish list!

Every aspect of financial planning is linked, and we have a holistic approach that we call Lifestyle Financial Planning. As a matter of course we will look at your whole life.  Literally from cradle to grave and this will include looking at your Estate Planning in Sutton Coldfield.

Inheritance Tax Planning, Estate Planning & Will Writing are not regulated by the Financial Conduct Authority.

Will Writing is not part of the Quilter Financial Planning Offering and is offered in our own right.  Quilter Financial Planning accept no responsibility for this aspect of our business.

Please contact us, we will be happy to help.

Why Are We Sponsoring The Lichfield Half Marathon?

Financial Advice Sutton Coldfield
Martin Ward, MD, Four Oaks Financial Services

None of us are runners.  It wasn’t something we had thought about. Then we were approached by the organisers, and suddenly it was obvious that this was something that we should do and now the whole team is buzzing with excitement.

In fact, we got so excited that we struck a deal to rename the event The Four Oaks Financial Services Lichfield Half Marathon. And we will be the sole sponsors for both 2020 and 2021.

We decided to do this for a lot of different reasons, some commercial, of course.  Some much more personal. We are one of the largest and most respected firms of financial advisers local to Lichfield with a 14 strong team of advisers.  Many of us live in Lichfield, were educated in Lichfield, we have a lot of clients in Lichfield and we have a great sense of community and we want to do our bit to give back and support Lichfield.

Commercially being the sole sponsor will generate a lot of publicity for us, and more people will get to know about us and what we offer.  We also think that we can put on the best Lichfield Half Marathon ever, because of our natural obsession with planning and getting things done professionally.  Good traits to have for a firm of financial advisers in Lichfield! We are working closely with the organisers, KP Events.

Lichfield Half Marathon
In Memory of George Chaplin

On a personal level we are working hard to raise funds for an ECG Machine for Avon 3 Ward at Worcester Royal Infirmary.  Earlier this year our MD’s father-in-law George, passed away.  He died of heart failure and on the day he died, there had been a delay getting an ECG machine to him as there are only three in the

entire hospital. We are inviting runners entering the half marathon to fund raise for this machine in memory of George, or for our charity Buddy Bag Foundation, at a reduced entry fee.

Buddy Bag Foundation is a local charity that works nationwide to help children in emergency care.  We have supported them for many years, our staff regularly help to pack Buddy Bags, we hold an annual Buddy Bag Pack when all of us as a firm pack around 200 Buddy Bags.  We also help by getting items for their bags and fundraising.  Find out more here.

We began by saying that none of us were runners.  Well quite a few of us, and our families are well on our way to becoming runners because we have entered the Four Oaks Financial Services Lichfield Half Marathon.  We are in training for the 13.1 mile race.  Our current personal bests are around 2 days, but we have faith that we will improve!

To find out more or to sponsor us please follow these links:

Our Four Oaks Financial Services Lichfield Half Marathon web page

To donate to Buddy Bag Foundation

To donate to ECG Machine

To enter the event.

By clicking on the above links, you are now departing from the regulatory site Four Oaks Financial Services Limited. Neither Four Oaks Financial Services Limited nor Quilter are responsible for the accuracy of the information contained within the site.

Keep your eye on our news page for the latest on the preparations for The Four Oaks Financial Services Lichfield Half Marathon. We hope to see you there on Sunday 10th May 2020.

Announcing Our Sponsorship Of The Lichfield Half Marathon 2020 & 2021

Financial Advice Sutton Coldfield
L-R Nick Hepburn, Gemma Randle, Martin Ward, Charlotte Trueman, Nick Heath

We are very excited to announce that we are the sole sponsors for the 2020 and 2021 Four Oaks Financial Services Lichfield Half Marathon.  2020 marks the 10th anniversary of this very popular event, with over 1,500 runners expected to take part.

Many of our team are running, including some of our Financial Advisers who provide financial advice in Sutton Coldfield and across the wider area.

Runners can choose to run for their own charity, but if they choose to run for one of our nominated good causes they can enter at a discounted rate.  We are taking our duties as sponsor very seriously, consulting with local runners on things like medals and t-shirts and working closely with professional events management company KP Events who will be using race chip technology to record times and ensure the course is officially measured.

You’ll find lots more information here or to sponsor us follow these Just Giving Links.

Sponsor us to raise money for Buddy Bag Foundation –

Sponsor us to raise money to buy an ECG Heart Rate Monitor for Avon 3 Ward, Worcester Royal Infirmary

By clicking on the above links, you are now departing from the regulatory site Four Oaks Financial Services Limited. Neither Four Oaks Financial Services Limited nor Quilter are responsible for the accuracy of the information contained within the site.

A Christmas Surprise For Our Managing Director

Financial Advisers Sutton Coldfield
Louise Lakin, Client Liaison & Martin Ward, Managing Director

At the end of 2019 we held our Christmas party at The Belfry.  We had a private room which gave members of the Senior Management Team the opportunity to say a few words. But our MD, Martin Ward got a surprise when our Receptionist, Olivia Arnold got up to speak.

2019 has been a very successful year for us, and the whole team had joined together to say a big “thank you” to our MD. On behalf of us all, Olivia presented Martin with a gift voucher for Hampton Manor, a nearby Michelin star restaurant with individually designed guest rooms.

The gift giving didn’t stop there! Both Martin Ward, and our team of Financial Advisers, who provide financial advice in Sutton Coldfield and across the region, both expressed their thanks to our Paraplanning, Client Support and Client Liaison teams who support them throughout the year. Every member of our support teams was presented with a gift from both Martin and our Financial Adviser team.