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.

Announcing Financial Adviser Karen Hagan Has Joined Our Team

Financial Adviser Lichfield
Karen Hagan, Financial Adviser

A very warm welcome to Karen Hagan who has joined our growing team of Financial Advisers who provide financial advice local to Lichfield.

Karen is fully qualified to give financial advice on all aspects of financial planning but has a passion for helping clients with pensions, investments and financial protection. With over 20 years in the financial services industry Karen has a broad and deep knowledge of all aspects of financial planning having been an assistant to a Financial Adviser, then a Paraplanner for 12 years before becoming a fully qualified Financial Adviser.

When working on behalf of her clients to action financial planning decisions, Karen’s background gives her a unique knowledge of what is required in terms of processes, documentation and timescales to ensure that everything she does meets their expectations.

We asked Karen why she chose to join Four Oaks Financial Services. “I wish I had known about the firm years ago.” Says Karen. “They are well-established, I’ve got great trust in Martin Ward [the MD] and the management team are very genuine people. I have a better work/life balance, and because I have the support of the admin and Paraplanning teams, I can spend quality time working on behalf of my clients. I am really enjoying being here.”

Karen plans to continue to study and progress in her career as a Financial Adviser and is planning to become qualified to give advice on long-term care planning and defined benefits pension transfers.

In her spare time Karen has obtained a degree in English Literature through the Open University, she has had a poem published in a poetry anthology, loves reading classic literature and enjoys cooking and spending time with her family. Welcome to the team!

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.

Read The Latest Issue Of Our Essentially Wealth Magazine

Financial Advice LichfieldWelcome to the latest issue of our Essentially Wealth Magazine.  Find out why setting up an ISA should be on your financial to-do list, and the two-thirds of people who risk making the wrong choices by going it alone when it comes to their pension.

We will be sending this magazine to all of our clients via email in the coming days, but if you are not on the mailing list and would like to ensure you don’t miss an issue please email clientsupport@fouroaksfs.com

To read the magazine right now, click on this link Q3 2019 Four Oaks – Essentially Wealth

The Lastest Edition Of Our Essentially Mortgages Magazine Available To Read Now

Mortgages Advice Sutton ColdfieldThe latest issue of our Essentially Mortgages magazine is available for you to read now. This issue’s articles include “When Will You Be Mortgage Free?” and “The Growing Popularity of 40-Year Mortgages”.

We will be sending this magazine to all of our clients via email in the coming days, but if you are not on the mailing list and would like to ensure you don’t miss an issue please email clientsupport@fouroaksfs.com

To read the magazine right now, click on this link Q3 2019 Four Oaks – Essentially Mortgages

If You Are Born After 1960 You Have A 1 in 2 Chance of Cancer In Your Lifetime

Financial Advice LichfieldThis statistic is from Cancer Research UK. They also say that 50% of people survive cancer for 10 or more years. If you were to get a diagnosis for cancer or any other critical illness, this could have a devastating effect on your finances, at a very stressful time.

As Financial Advisers in Sutton Coldfield we can’t reduce the risk of being diagnosed with cancer or any other critical illness, but we can help you to reduce the financial impact of such a diagnosis.

A Critical Illness policy usually pays out a tax-free lump sum at the time of diagnosis. This will give you options, such as you could chose to give up work to concentrate on your treatment, knowing that the bills would be paid.  You could repay your mortgage, retire early or go on a holiday to recuperate after treatment.  It is desperately important to have these choices open to you and take financial pressures off you and your family.

Newer policies tend to cover a wider range of illnesses, but it is important to get advice from your Adviser to choose the policy that is right for your situation, or have an existing policy reviewed.

Our Advisers are trained and qualified to advise you all aspects of financial protection for you and your family and your business. Contact our Client Liaison Team on 0121 323 2070 to make an appointment.

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Exam Success For Emily and Lily

Financial Advice Sutton Coldfield
L: Emily Walker, Mortgage & Protection Adviser R: Lily Jackson, Paraplanner

Congratulations to Paraplanner, Lily Jackson and Mortgage & Protection Adviser, Emily Walker on passing their Unit 4 Pensions and Retirement Planning examination. Emily and Lily are a dynamic duo when it comes to studying for their professional qualifications. Although they study independently, they are able to clarify things with each other and keep each other motivated which are the main benefits of studying and taking their exams at the same time.  They both have two examinations left to pass in order to achieve the Diploma in Professional Financial Advice.

Both Lily and Emily said that this examination was hard because of the sheer size of the syllabus. They were required to know in detail about current pensions and historical products that are no longer available, taxation in respect of pensions and retirement planning, the aims and objectives of different products including State and private products.

Lily, who has worked in the financial services sector for a long-time and has a great deal of experience said “The volume of what candidates are required to know made the revising quite daunting, but I have been dealing with pensions for many years and it is a subject I feel comfortable with but legislation has changed a lot and continues to change and I need to ensure that I keep up to date.” As a Paraplanner Lily works closely with our team of financial advisers who provide financial advice in Sutton Coldfield and surrounding area.

Mortgage & Protection Adviser, Emily said “The syllabus was interesting but this was the hardest examination we have taken to date. The need to know about current and historic pensions and the tax regime in relation to pensions and retirement planning means that you need a huge amount of knowledge to pass the exam. It is a big relief to have done it.”

Lily and Emily have already started to study for their next examination which is on Investments. Congratulations and well done to both of you.

Our Team Night Out At The Ruby In Lichfield

We believe it is important to get together outside of work and recently had a fantastic evening at the highly regarded restaurant, The Ruby in Lichfield. Most of our team were able to attend, and this included our admin, Paraplanning and support staff, as well as our team of financial advisers who provide financial advice in Sutton Coldfield and across the Midlands.

The next day MD, Martin Ward was hiking up Snowdon to raise money for the Stroke Unit at Birmingham Heartlands Hospital, so we held a raffle for two tickets to the Panto at The Garrick Theatre and raised over £40 in addition to what had already been donated via Just Giving. The staff at The Ruby looked after us very well. We have a few people with special diets and they were well catered for and the food was amazing as usual. We may be visiting more often as the family of our new Protection Adviser, Wai-Lee Ho own the restaurant.Financial advice Sutton Coldfield

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Lisa Arnold Receives Quarterly Recognition Award

Financial Adviser LichfieldEvery quarter as a team we give special recognition to someone who has made a positive contribution to the business. For the quarter April to June 2019 we are delighted to announce that the recipient of the Quarterly Recognition Award is Financial Administrator, Lisa Arnold.

Owing to unforeseen circumstances, Lisa willingly and ably stepped up-to-the-plate taking on additional work which included ensuring everything was in place for the re-brand of the network we belong to, which took place on 1st July. Lisa has also taken on extra liaison and monitoring duties for compliance matters.  This involves working closely with our Financial Advisers who provide financial advice local to Lichfield and our in-house support teams. This work can be complex and time consuming.

“It is no hardship doing any job that needs doing”, says Lisa “Especially when this helps our clients or my colleagues. I feel really appreciated though; this is a really nice ‘thank you’ from everyone.”

Well done and thank you Lisa!

Charlotte Holmes Returns From Maternity Leave

Financial Advice Sutton ColdfieldWe are so pleased that Charlotte is back with us in our Client Support team. Following what Charlotte has described as an extremely difficult pregnancy, she is back in the office working one day per week, and has actually returned after nine months, three months earlier than originally planned.

Returning to her existing role, supporting our financial advisers who provide financial advice in Sutton Coldfield; over the next few weeks Charlotte will be getting up to speed with the new processes and procedures put in place whilst she has been away. From 1st August she will be working 3 days per week, and her ambition is to become a mortgage and financial protection adviser.  She has already passed one examination and will be joining colleagues in the Four Oaks Financial Services Training Academy to continue her studies.

Charlotte says “It is nice to be back at work! Everyone in the company has been so supportive during an extremely difficult pregnancy with more issues than usual. After working full-time, it was strange being away, it was almost like being away from family. I am really pleased that I have been offered a gradual return to work. Everyone is brilliant to work with, so I wasn’t worried about coming back at all.”

Charlotte kept in touch on a weekly basis with the Client Support team and also saw them socially and she also brought baby Olivia in to see us on several occasions. Good to have you back!

Announcing Protection Adviser Sue Cassar Has Joined Our Team

Financial Advice LichfieldWe are delighted to announce that Sue Cassar has joined our team as a Protection Adviser. Sue has worked in the Financial Services sector for many years.  She has a background in financial education and was a regional manager at the Financial Conduct Authority formally known at the Financial Services Authority and the Money Advice Service, now the Money and Pensions Service. In this role Sue worked with FTSE 250 businesses and Councils and third sector organisations across the Midlands.

Sue had looked at becoming an Adviser some time ago, but did not find a firm that shared her values and ethics. Hearing that we had an opportunity for an Adviser, and knowing us by reputation, she met with MD Martin Ward and we are very pleased that she has joined us.

“I decided to join the team at Four Oaks Financial Services because of the flexibility and support that is on offer to Advisers and because of the way they work with clients.” Says Sue “My colleagues share the belief that financial services is not about selling products, it’s about the person we are helping, and what they want to achieve. As a Protection Adviser I am working with clients who want to protect the thing that is most important in the world, their families.”

In her spare time Sue keeps fit line dancing, and her claim to fame is that her uncle was a member of The Shadows before they got famous. Apparently, it was her Grandma’s opinion that there was no future in the band for him!  Welcome to our team Sue!

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