Investments Advice Sutton Coldfield

Finacnial Investments Sutton Coldfield

Where do you go for advice on financial investments in Sutton Coldfield? There are the high street banks and building societies. But, they can only give advice on the financial products their organisation provides.  You can of course search online. In both of these instances you are getting access to financial investment products, not financial advice.

Banks & Building Societies

Banks and Building Societies do not have access to the range of products that we do, and they do not give financial investments advice in Sutton Coldfield. They can only talk to you about the investment products that the particular bank or building society provides.

As a firm of financial advisers when we talk to our clients about Financial Investments in Sutton Coldfield we take a holistic approach.  We don’t just talk to clients about an ISA or a savings account. We look at where you are in your life, we talk to you about your financial goals and provide advice tailored to your personal circumstances.

Looking For Investments Online

There is a wealth of information on financial investments in Sutton Coldfield available to anyone who takes the time to look online. We know because we have looked! Investments in property often come up in searches.  Then of course you have the comparison sites that show you how one financial investment compares to another.

There is one big problem with this.  This is information, not advice on financial investments in Sutton Coldfield.

Why Advice For Financial Investments In Sutton Coldfield Matters

Let’s say you are looking for an ISA. You go to a comparison website and see a long list of the ISAs available, the providers, some of whom you will have heard of, some that you won’t be familiar with. You read the information on each. How do you choose?  Do you know that there are different kinds of ISA? For your financial planning needs is an ISA what you require? Do you know about your annual ISA allowance?

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.

Talking to one of our team of Financial Advisers who provide financial investments advice will ensure – You review your circumstances. You understand your financial goals and put a plan in place. You receive advice on the most appropriate kinds of investments for your needs and your attitude to risk.

Please contact us if you would like more information or to make an appointment. During this time of Coronavirus concerns we can hold meetings over the phone or online via Skype, Facetime and so on.





Women Giving Financial Advice

Women Financial Advisers
L-R Financial Advisers Karen Hagan & Sue Cassar

The women giving financial advice at Four Oaks Financial Services are an asset to our team. This blog has been written by two of our very experienced Financial Advisers, Karen Hagan and Sue Cassar.

Nick Murray in his book “The Excellent Investment Adviser”, published in 1996, said:

“The rise of women is, in my judgement, the single best thing that has happened in the financial services industry since I entered it, nearly 30 years ago.  Women have made the business not merely better, but finer”.

Naturally we agree!

24 years later, given the strange times we are living in, we believe his comments have a greater resonance now – and here’s why…

Owing to Coronavirus we are facing unprecedented challenges.  Employees are being ‘furloughed’. People are losing their jobs. Businesses are losing their hard fought-for contracts and hard-won clients. Some businesses are having to close. The self-employed and small business owners are struggling with lost income and revenue.

Even During Lockdown We’re Here To Help

We are home working; on lockdown but are still here to help. We are women providing financial advice to our existing clients and we are being contacted by prospective clients, many of whom are women who need our help, right now at this difficult time.

We believe it is very important to acknowledge all the issues people are grappling with and to understand the problems facing our clients at this time. As women giving financial advice we feel that an empathetic, listening approach is needed and; because we are women, we have a heightened ability to empathise and listen.

Us ladies, I think it would be fair to say, have taken a more ‘softly, softly’ approach to financial planning and when it comes to financial products – our approach has historically come more from an ‘advisory’ stance than a ‘hard-sell’ one.  We are keen to be viewed as helpful, not pushy.  In actual fact, given the crisis we all now find ourselves in, we are wondering if that has been the right approach. Should we have been more assertive in our conversations with people…perhaps this could have resulted in them being in a better position during this pandemic than they are now?  Perhaps we could have encouraged them to build a bigger emergency fund; take out Income Protection; save more in an ISA or a pension, which if they are over 55 they could draw upon if they really needed to.

On a positive note we’d like to suggest that our ability to self-reflect is an extremely important attribute.  We would also add that many women are at the forefront of financial services, leading the drive to improve and demonstrating innovation and ambition.

The Skills & Qualities Of A Financial Adviser

Let’s focus on the excellent skills that all advisers have in common:

  • Trust
  • Integrity
  • Professionalism
  • Knowledge

Added to the skills above could be the following qualities we think potential clients would do well to consider when choosing their financial adviser.

  • Listening skills
  • Caring
  • Understanding what’s important to you
  • Passionate about your wellbeing
  • Empathy

Women have these skills in ABUNDANCE!

So if you are looking for a Financial Adviser who listens and cares about YOU then hopefully we have encouraged you to think about engaging the help of a Female Financial Adviser!


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.


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.

Some Of The Most Qualified Financial Advisers In Sutton Coldfield

Financial Adviser Sutton Coldfield
Ian Cleghorn, Chartered Financial Planner

Our team of Financial Advisers in Sutton Coldfield are amongst the most qualified in the area. They are a modest bunch and don’t particularly like to be seen “blowing their own trumpets”. However, our clients need to know that all our Advisers are qualified to give advice appropriate to their qualifications.

Not all Financial Advisers in Sutton Coldfield are qualified to give financial advice on everything. However, with a 14 strong team of advisers with many years of experience between them at Four Oaks Financial Services we have the breadth and depth of Advisers to give financial advice on every aspect of financial planning.

We have Financial Advisers in Sutton Coldfield who, as you would assume, are qualified to give advice on financial protection and mortgages. But we also have Financial Advisers who are qualified to give advice on Long Term Care Planning, Equity Release and complex pension cases. For all of these aspects of financial planning the adviser has to be separately qualified and has taken specialist examinations in order to be allowed to give this kind of advice.

Ian Cleghorn is our most qualified Financial Adviser. Ian is possibly the most qualified Financial Adviser in the Midlands region. He is a Chartered Financial Planner and a Fellow of the Personal Finance Society. As one of our Financial Advisers in Sutton Coldfield, he is qualified to give advice on Long Term Care and Equity Release and specialises in complex pension planning.

Several of our other Financial Advisers are also additionally qualified to give advice on Long Term Care planning and Alan Woolford and Mark Timmins are also qualified to give advice on Equity Release. In total we have ten Financial Advisers in Sutton Coldfield who are fully qualified with the required Level 4 qualification in financial planning. This means they are trained and skilled in providing financial advice on things like savings and investments, Inheritance Tax planning, pension planning and corporate financial planning.

We pride ourselves on providing a structured career path for all of our staff, and Emily Walker was the first person to transition from a support role to that of a Mortgage & Protection Adviser. We have other advisers who are qualified to give advice on Mortgages and/or financial protection, and they are working their way through their qualifications to become fully qualified.

As Financial Advisers in Sutton Coldfield we have a terrific reputation and a stable and committed team of Advisers and support staff. When people come to work for us, they tend to stay. In 2019 we only had one person leave the company and that was because their family relocated.

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.

Inheritance Tax Planning is not regulated by the Financial Conduct Authority.

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

Think carefully before securing your debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Mortgage Advice Sutton Coldfield From Our New Female Mortgage Advisers

L – R Charlotte Trueman, Head of Client Support and Advisers Karen Hagan, Susie Leek, Sue Cassar and Emily Walker

Seeking any kind of financial advice can be daunting, and looking for mortgage advice in Sutton Coldfield is no exception.  We’ve had feedback from female clients that although they have no problem talking to a man about their finances, sometimes they would prefer to speak to a woman.  The reasons we’ve been given suggest that another woman might better understand their circumstances, especially when it comes to getting mortgage advice in Sutton Coldfield if this is owing to a divorce or separation.

Sometimes, female clients come to us seeking advice owing to the breakdown of a relationship and this has resulted in the family home being sold, or them having to move out of the family home, or they need a mortgage in order to remain in the family home. This may well be the first time they have had to contemplate having a mortgage in their own right and getting mortgage advice in Sutton Coldfield from a female adviser is something they would value.

At Four Oaks Financial Services we have four female advisers in our team.  Emily Walker specialises in mortgages and financial protection, as does Susie Leek. Sue Cassar is qualified to provide advice on all aspects of financial planning, including mortgage advice for Sutton Coldfield clients, and of course clients who live further afield. Our fourth female financial adviser is Karen Hagan, who has a passion for financial protection, pension planning and investments.

Sue Cassar has worked in the financial services sector for many years, and as a Financial Adviser she believes that her role is not to “sell” financial products, such as mortgages, but to use her skills and knowledge to help her clients get what they want to achieve.

Emily is a qualified Mortgage & Protection Adviser.  But before she qualified, she was a member of our team at Four Oaks Financial Services for over 5 years, working along-side and supporting our team of Financial Advisers especially helping our clients with their mortgage applications.

Susie Leek is an experienced Mortgage & Protection Adviser, having spent many years in the role of Mortgage & Protection Manager at HSBC. Therefore, with Emily, Susie and Sue on hand any client seeking mortgage advice in Sutton Coldfield from a female adviser will be in exceptionally good hands.

The first meeting with any of our financial advisers is at our cost and without obligation. We are well-known for making our advice easy to understand and will always provide advice that we believe is in the best interests of our client. We promise to always be honest, open and transparent. So, if you are feeling daunted by the prospect of seeking mortgage advice in Sutton Coldfield please contact us and we will be happy to help.

Looking For Answers Regarding Your Company Pension Scheme

Financial Adviser Sutton Coldfield
Ian Cleghorn, Chartered Financial Planner

If you’ve been a member of a company pension scheme in the past, it may have been a Defined Benefit arrangement, which should provide a future retirement income that’s based on your length of service and your salary.  Defined Benefit schemes are normally considered to be the most attractive type of company pension scheme because they offer significant guarantees of future income.

But for some people approaching retirement it can be appropriate to transfer the value of a Defined Benefit pension into a personal pension plan.  Importantly, those transferring will lose these valuable guarantees but in compensation for this they can gain extra control of how and when they take their pension benefits.  Furthermore, the value of their pension transfer can be very significant, and a personal pension fund can better be protected for your children and grandchildren.

Unfortunately, some Defined Benefit pensioners have in the past been given bad advice to transfer their pension to a personal pension, and this has been widely reported in the press.  As a result of the general negativity surrounding Defined Benefit pension transfers, many financial advisory companies have taken the decision not to offer advice in this crucial area.

However, Four Oaks Financial Services remain happy to review pension options for clients who have built up future Defined Benefit pension entitlement. We have robust internal processes to ensure that the right advice is given, and as part of the Quilter network who came first in the FTAdviser 2019 top financial adviser awards, all our pension transfer recommendations also benefit from Quilter’s experts giving our recommendations a secondary check prior to any transfers taking place.

We remain of the view that, for the majority of people, the right advice is to stick with their Defined Benefit pension.  However, for some people there can be considerable merit in transferring.  Our expert advisers at Four Oaks Financial Services are available to give advice in this important area. Please contact us for financial advice in Sutton Coldfield and across the wider Midlands region.

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.

Our Financial Advisers In Sutton Coldfield Help You Manage Tax Implications

Financial Advisers In Sutton ColdfieldOur financial advisers in Sutton Coldfield work with a wide range of clients who want to help younger members of their family financially, but also avoid potential tax pitfalls.

Younger people find it a struggle to get on the property ladder and look for help from parents and grand-parents. However, if you are thinking of giving money away you need to seek the advice of financial advisers in Sutton Coldfield, to ensure you don’t fall foul of tax rules.

The House of Lords Committee on Intergenerational Fairness and Provision recently quoted data from an April 2018 survey conducted by Douglas McWilliams, their report said that 27% of all UK house purchases were made with contributions from the older generation, with gifted lump sums averaging £5,000 to £6,000.

It is essential that you get advice from our qualified financial advisers in Sutton Coldfield, because you have an annual exemption for Inheritance Tax (IHT) purposes, which allows you to give away up to £3,000 each tax year. This allowance can be carried over to the next tax year meaning that you could potentially give away as a gift £6,000 without it affecting your estate’s IHT liability.

People are living longer, so it is becoming even more important to talk to financial advisers in Sutton Coldfield for a number of reasons. For example, inheritances may become available later in life, there is also the possibility of smaller inheritances or none at all because the older generation may need to use the funds themselves for care, or just to enjoy their retirement. Our financial advisers in Sutton Coldfield increasingly work with people to help them plan to fund the gap between the State Pension and what they need for a comfortable retirement. It is also important to say that we believe that financial planning is not all about retirement. You need to have a happy and fulfilled life throughout your life.

Inheritance Tax Planning is not regulated by the Financial Conduct Authority.

Tax treatment varies according to individual circumstances and is subject to change.

Tax Planning is not regulated by the Financial Conduct Authority.

Talk to our financial advisers in Sutton Coldfield or across the region about our Lifestyle Financial Planning. Your first meeting is at our cost and without obligation. We will always provide financial advice that is honest, open and transparent.


Getting Pensions Advice In Lichfield Could Impact Your Retirement Plans

Pensions Advice LichfieldNo aspect of your finances should be left alone and shoved in a drawer. In this day and age everything connected to your financial planning, and especially your pension, should be reviewed on a regular basis by a qualified pensions adviser who provides pensions advice local to Lichfield or near to where you live.

If you have a pension with an old employer you may think that you have got your retirement planning sorted.  To be absolutely sure, it is prudent that you ask a local retirement adviser, such as one of the experienced financial advisers in our team in Lichfield, to undertake a review.

You may not know about all the changes that have occurred in the pensions arena in recent years. You could find that your old pension incurs more charges than a modern pension, or that your loved ones will not get your pension should you die.  Pensions advice in Lichfield is a real must do.

Let’s explore in a little more detail what might happen if you die. If you have an older-style pension you could find that when you pass away your pension just stops being paid and the pension company gets what is left in your pension pot.  With a modern pension plan if you die your family should get what’s left and they will get it in an Inheritance Tax friendly way. That’s just one reason to get pensions advice in Lichfield.

With an old pension you may find that the funds the pension is invested in are no longer the right ones for you, or that it isn’t flexible and drawdown friendly.  If you are not familiar with the word drawdown, this is another way to get your pension rather than buying an annuity, which is how most older-style pensions are set up.

Did you know that you can have your pension reviewed at any time? And, if it is appropriate for your circumstances, you can decide to transfer your pension to a plan that is more suitable for you.

If you have not had an old pension with a former employer reviewed ever, or during the past few years we strongly suggest that you get pensions advice in Lichfield.

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.

Transferring out of a Final Salary scheme is unlikely to be in the best interests of most people.

The Financial Conduct Authority does not regulate on Estate Planning.