Essentially Mortgages Magazine Winter 2020

Mortgages Sutton ColdfieldEven in these challenging times people are finding ways to get on with their financial plans and this of course applies to mortgages. In this issue articles discuss Mortgage Approvals Hit 13-Year High, and Getting Financially Fit for the New Norm. With the Stamp Duty holiday tax break for England and Northern Ireland due to end on 31st March 2021, read the article on page 3.

Our Essentially Mortgages magazine is a complimentary magazine for our clients.  We will be emailing out a copy in the next few days but if you can’t wait click on this link and read it now Q4 2020 Essentially Mortgages Magazine

Essentially Wealth Magazine Winter 2020 Read It Now

Financisal Advice Sutton ColdfieldThis Quarter’s Essentially Wealth magazine is a must read especially in these extraordinary times. In this issue articles discuss whether we have reached the End Game For Cash, Staying Financially Fit in the New Norm and the Rise of the Inheritance Economy.

This is a complimentary magazine for all Four Oaks Financial Services clients.  Over the next few days we will be emailing this out, but you can click on this link and read it right now Q4 2020 Essentially Wealth Magazine

 

Welcoming Carl Hobbins To Our Adviser Team

Financial Adviser Sutton Coldfield
Carl Hobbins, Financial Adviser

We are delighted to announce that Financial Adviser, Carl Hobbins has joined our team of Advisers. Carl has worked in financial services for over 12 years. He has held management roles at HSBC and Lloyds Bank in the role of Area Mortgage Manager, responsible for the development and performance of mortgage advisers. Most recently Carl has operated his own successful practice.

Over recent years the financial services sector has seen a huge increase in additional admin and compliance tasks that Advisers must carry out.  Here at Four Oaks Financial Services we have a large support team to assist Carl.  This will free up more of his time to do what he enjoys most which is advising his clients.

Carl says “I’ve joined Four Oaks for three reasons. Firstly, the professional back-office support provided to me.  Secondly, as part of a larger practice my clients will be able to access a wider range of financial planning services. Thirdly, Four Oaks are part of the Quilter Financial Planning network. The largest network of Financial Advisers in the UK and whom in November 2019 was voted number 1 in the FTAdviser Top 100 Advisers Ranking. It is great to be able to tell my clients that I am part of the network that sponsors the Rugby!”

Carl’s claim to fame is….

My claim to fame is having dinner with Howard Webb a number of years ago, an ex-professional football referee, after attending a motivational speaker conference he presented at. We discussed family life as well as his involvement refereeing the 2010 and 2014 World Cups. It was fascinating discussing his run-ins with some of football’s most prolific football Managers throughout his career.

Andy Robinson Is Now A Fully Qualified Financial Adviser

Financial Adviser Sutton Coldfield
Andy Robinson, Financial Adviser

Andy Robinson joined us in February 2020 after a successful career in business and being an Olympic standard athlete. He had only experienced financial services from the client-side but set the goal of becoming a fully qualified Financial Adviser by the end of the Summer. Which he has achieved. He passed all of the arduous professional examinations first time.

Andy joined our fast-track training programme at the end of March and, owing to lockdown, found himself in many virtual classrooms. Whilst he didn’t get the personal interaction with colleagues, he was able to focus entirely on his studies.

But Andy’s training doesn’t end with obtaining his Financial Adviser qualification. He has a training programme in place shadowing our Managing Director Martin Ward and gaining experience with the support of our whole team.

Having been the managing director of his own business for over 30 years, until its sale, and then a business consultant, Andy is very well placed to provide financial advice to businesses in Sutton Coldfield.

Andy says “Having spent most of my working life in owner managed businesses I fully understand the challenges, hopes and dreams that business owners have. Using all that I have learned and my business experience, I am looking forward to advising entrepreneurs and SME business owners. People who are after all, the backbone of our economy, and especially during this difficult trading period and not forgetting Brexit is only a few weeks away.”

Congratulations from the whole team. We know how hard you have worked.

Essentially Wealth Magazine Summer 2020 Is Here

Financial Advice Sutton ColdfieldThis quarter’s edition of our complimentary magazine Essentially Wealth is now available for all our clients to whom we give financial advice in Lichfield, Sutton Coldfield and across the region.

We will be emailing this out in the coming days, but if you can’t wait to read the article “Covid-19 The Ultimate Financial Stress Test” and read about “When Is A £20 Note Not A £20 Note” and much more just click this link Four Oaks Essentially Wealth Summer 2020 Q3

Summer 2020 Essentially Mortgages Magazine Is Now Available

Mortgages Sutton ColdfieldWe will be sending this magazine out via email to all our clients who receive Financial Advice in Lichfield, Sutton Coldfield and surrounding areas.

This is a complimentary magazine and this quarter it is full of comment and information regarding mortgage affordability in a post-lockdown world, and items such as the stamp duty break for many home buyers which is only available for a short time.

Make sure you keep up to date and informed.  Please click on this link Four Oaks Essentially Mortgages Summer 2020 Q3 to read the magazine now.

Lou’s Lockdown 40th Birthday

Financial Advice Sutton Coldfield
Lou Lakin & Bear

Lou Lakin who is a key member our Client Liaison team celebrated her 40th birthday on the 10th May. Being such a special birthday there were a lot of plans that had to be put on hold for the moment, but her husband went all out to make it a fab 40th!

Celebrations started on VE Day when the family joined the festivities with the rest of their road from the front garden.  Lou thought that was the highlight of her birthday weekend.

On her actual birthday she found the house decorated inside and out, courtesy of her hubby and three children.  Her friends had put together a compilation video of them all separately singing happy birthday.  Her family had videoed birthday messages and her mum, dad, brothers and sister drove past the house to give her a birthday wave.

One special 40th gift that did arrive as planned is Bear, a Maltipoo puppy who took up residence at the Lakin house in April.  He is now old enough to go out for walks which is something the whole family can enjoy together.

Happy 40th Lou!

An Emergency 21st For Olivia

Financial Advisers Sutton ColdfieldA few days before the UK went into lockdown quick thinking on the part of Olivia’s mum meant she had a hastily arranged 21st birthday celebration of sorts.  Olivia who lives with her mum, was able to see her dad, brother and boyfriend and open her gifts.

On the day of her 21st, the 31st of March, instead of the “all bells and whistles” birthday party that had been planned, Olivia and mum Lisa spent the day quietly together.  But Lisa made sure there were birthday banners, balloons and presents to open – these included a lovely necklace and wanting Liv to have more than one present to open on her special day she also gave her bed sheets – well the only place she could go was the supermarket! There was plenty of bubbly too!

Liv is looking forward to having her birthday party next year and being able to take the trip to Dublin she had planned with her boyfriend once the lockdown is over.

Looking forward to having a glass of wine with you too when we can meet up again. Happy belated 21st Olivia!

How Do You Know If You Will Run Out Of Money In Retirement?

Financial Planning LichfieldLife is full of unknowns, and most of us have questions about our financial future. Questions that many of our clients find difficult, or even impossible to answer.

  • How much money do I need for a comfortable retirement?
  • Will my money run out?
  • Can much can I afford to give to my children?
  • How would I be affected by a stock market crash or two?

The good news is we have the technology and the expertise to answer your questions, and do much more.  Ask your Financial Adviser about Lifestyle Financial Planning.  This is an extremely in-depth financial planning service we offer to our clients.  We spend time getting to know you and your hopes, fears, dreams and aspirations. Then, using our knowledge and state-of-the-art software, we project your financial position from today to retirement and beyond.

This will reveal any shortfall you may have and we can put in place financial strategies to help you achieve your goals.  Talk to your Financial Adviser about Lifestyle Financial Planning or make an appointment through our Client Liaison Team on 0121 323 2070 or clientliaison@fouroaksfs.com. Proving financial advice local to Lichfield and across the region.

Adviser Susie Leek Attains Standard

Mortgage Sutton Coldfield
Susie Leek, Mortgage & Protection Adviser

Adviser Susie Leek has achieved a milestone in her career with us.  Susie has attained the standard required to operate as a Mortgage & Protection Adviser within the Quilter Financial Planning network.

Experienced Mortgage & Protection Adviser Susie Leek joined us in the Autumn of last year. Although she was already qualified to give mortgage advice. However, when an Adviser joins Four Oaks Financial Services they undergo continuous professional development.

One of the requirements is to achieve the standard required to operate as an Adviser within the Quilter Financial Planning network.  This is attained by having real cases appraised by Quilter Financial Planning.

Before joining Four Oaks Financial Services Susie had worked at HSBC from the age of 18. She was a Mortgage & Protection Manager for many years.  Susie is one of our Advisers who has demonstrated a special interest and skill for mortgages. Using her experience, she helps our clients with their mortgages and financial protection, which often go hand-in-hand.  Whether they are moving to a new home or getting a mortgage review Susie is there to help them.

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

Some clients don’t realise that they can get their mortgage reviewed at any time.  Not just when their existing mortgage term ends or they are moving house.  To make sure you have the appropriate mortgage for you and your unique circumstances, please contact us.

Susie is a member of our 14 strong team of Advisers who give advice in Sutton Coldfield and across the whole of the Midlands region.