Happy New Year 2019

Financial Adviser Sutton ColdfieldWe hope all our clients have had a wonderful Christmas and New Year break, with lots of rest and good times spent with family and friends.

As we start the New Year look out for our newsletter that you will be receiving in the next in couple of days via email. This looks back on 2018 and contains ideas for your financial New Year’s Resolutions. If you don’t receive this, please let us know.

Finally, whilst you have probably just put your Christmas jumper back in the wardrobe, here is a reminder about the end of the tax year and to make sure you use your ISA Allowance. This is an annual allowance that must be used by 5th April 2019.  It cannot be carried over, so don’t miss out on this tax efficient way to save.  If you are not sure whether you have used your allowance or not, please talk to your Financial Adviser who provides financial advice local to Sutton Coldfield and the wider area.

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.

Investors do not pay any personal tax on income or gains, but ISAs do pay unrecoverable tax on income from stocks and shares received by the ISA managers.

Our Christmas and New Year 2018 Opening Hours

In order to give our clients the best possible service our offices will be open during the festive break except for Christmas Day, Boxing Day and New Year’s Day. We will be operating different opening hours throughout the rest of the festive season which are detailed below.

Monday 24th December – Opening Hours 9am to 12noon

Tuesday 25th December – Closed

Wednesday 26th December – Closed

Thursday 27th December – Opening Hours 10am to 3pm

Friday 28th December – Opening Hours 10am to 3pm

Monday 31st December – Opening Hours 9am to 12noon

Tuesday 1st January – Closed

Normal 9am to 5pm office hours will resume when we return to work on 2nd January.

The Four Oaks team wish you, your family and friends a very Merry Christmas and Happy New Year.

Fantastic Year, Great Party

Financial Advisers Lichfield
Having fun at the Christmas Party L-R Charlotte Trueman, Lisa Arnold, Olivia Arnold, Harriet Partridge

As 2018 draws to a close we have had a fantastic year and we’ve celebrated in style with all of our team. We held our Christmas party at a rather special venue in Lichfield, St Johns House. If you are familiar with Lichfield it is the building with the white pillars on St Johns Street.

The venue was exclusive to us and it felt like a family Christmas in this big old 17th century Regency House.  Our team of Financial Advisers who give financial advice in Lichfield and throughout the area, surprised our support teams with a special gift for each and every one of them as a thank you for their help throughout the year.  To sum up, we are a great team who enjoy working together, and working with our very valued clients.

Looking forward to 2019!

We’re Not Sending Christmas Cards This Year Because……

Local Financial Advice
Karen Williams of Buddy Bag Foundation with Martin Ward, MD Four Oaks Financial Services

Much as we like sending Christmas cards to all our valued clients and friends, this year we have decided to do something that we think will last much longer than the 12 days of Christmas. As a team we have decided to make a special Christmas donation to our charity Buddy Bag Foundation instead of sending cards.

We want to help the children who will find themselves having to flee their homes from domestic violence over the festive period. We also want to show our appreciation for the wonderful work that Karen and Chris and the volunteers at Buddy Bag Foundation https://buddybagfoundation.co.uk/ do, not just at Christmas but every day of the year.

We wish each and every one of our clients a very Happy Christmas and Prosperous New Year from the whole team at Four Oaks Financial Services.

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

Our Christmas and New Year 2018 Opening Hours

In order to give our clients the best possible service our offices will be open during the festive break except for Christmas Day, Boxing Day and New Year’s Day. We will be operating different opening hours throughout the rest of the festive season which are detailed below.

Monday 24th December – Opening Hours 9am to 12noon

Tuesday 25th December – Closed

Wednesday 26th December – Closed

Thursday 27th December – Opening Hours 10am to 3pm

Friday 28th December – Opening Hours 10am to 3pm

Monday 31st December – Opening Hours 9am to 12noon

Tuesday 1st January – Closed

Normal 9am to 5pm office hours will resume when we return to work on 2nd January.

The Four Oaks team wish you, your family and friends a very Merry Christmas and Happy New Year.

3 Exam Passes In One Day

We are delighted that Paraplanner Lily Jackson, Senior Administrator Emily Walker and Junior Paraplanner Nick Hepburn all passedexaminations, first time on the same day!

Nick, who joined our team earlier this year passed the Unit 5 Financial Protection examination. This examination tests knowledge and the

Financial Adviser Sutton Coldfield
L-R Emily Walker, Lily Jackson, Nick Hepburn

application of all aspects of financial protection such as critical illness protection and life insurance. Nick said “I found learning about the rules on the way certain premiums or payments may be taxed differently to be especially interesting.” Nick will be studying for his Unit 1 examination early in the New Year with his colleagues in the Four Oaks Financial Services Training Academy.

Lily and Emily both passed their Unit 1 examination in Financial Services Regulation & Ethics. Lily said “The exam with the lowest pass rate is Unit 3 which Emily and I have already passed but the Unit 1 examination was equally tough, because of the very wide scope of the syllabus and the knowledge you need to have.” Emily concurred, saying “There are no maths or things to calculate in this exam, this is a test of knowledge.  You either know it or you don’t.” Both Lily and Emily have three examinations left to pass on their journey to achieve the Level 4 Diploma which will see them as qualified as a Financial Adviser.  They are aiming to take their next examination, which will be on Pensions, late January/early February.

Nick, Emily and Lily are part of our extensive in-house team who provide support to our team of Financial Advisers who give financial advice local to Sutton Coldfield and across the area.

Well done to all of you, studying and passing any of the financial services examinations is difficult. Congratulations.

Lots Of Money Raised At Buddy Bag Charity Ball

Local Financial Advice Sutton Coldfield
Fiona Ward and Martin Ward, MD Four Oaks Financial Services

Some of our senior management team and their partners supported our charity Buddy Bag Foundation at their recent charity ball. Four Oaks Financial Services who provide local financial advice in Sutton Coldfield, which is where BBF is based, not only had a table but we also sponsored the official photography backdrop.  This was a wallpaper design featuring our logo and the BBF logo.

The occasion was a great success raising over £7,000 for Buddy Bag which is a charity that supports children who find themselves in women’s refuges with none of their belongings. All the team at Four Oaks Financial Services are personally very keen supporters of this very worthwhile charity and we have regular events to support them.  The next event will be in January when we will be packing 200 buddy bags!

To find out more about Buddy Bag Foundation and to perhaps get involved, please follow this link https://buddybagfoundation.co.uk/>

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

Beat The Clock! Use Your ISA Allowance Before Its Gone!

ISAs LichfieldEvery tax year the government gives each of us an ISA  allowance.  This year the allowance is £20,000.  The catch is that you have to use this allowance in the current tax year, that’s the 5th April 2019.  Or you lose it.

ISAs are tax free savings. There is no capital gains tax to pay, no tax on UK income and you don’t even have to list them on your personal tax return.  The 5th April may seem a long way off, but it isn’t.  Especially if you want to take a look under the bonnet of your existing ISAs, which we strongly recommend you do, to ensure they are still performing well for you.

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.

Investors do not pay any personal tax on income or gains, but ISAs do pay unrecoverable tax on income from stocks and shares received by the ISA managers.

At Four Oaks Financial Services our Financial Advisers provide financial advice local to Lichfield and are qualified to give advice on ISAs. Talk to your financial adviser about the difference between Cash ISAs or Stocks & Shares ISAs.