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.

Sue Cassar Has Grandchild

Financial Adviser Sutton Coldfield
Sue Cassar’s Baby Granddaughter

We are delighted to announce that Financial Adviser, Sue Cassar has become a grandmother. Granddaughter Sophia Charlotte was born on the 7th March at University Hospital Coventry & Warwickshire. She weighed in at a healthy 3 kilos. Both baby Sophia and Sue’s daughter are doing well.

Sue decided to have a go at knitting some booties for the new arrival, and we must say they are gorgeous! Sue is looking forward to leading her new grand-daughter astray and doing things that make her daughter tut! As a woman who has worked in senior roles in the financial services sector for many years, on a serious note Sue says that she hopes Sophia will grow up to be a free-thinking, determined, self assured woman.

Sue Cassar is an experienced financial adviser based in Tamworth, who often works with our female clients and also younger people who may be seeking financial advice near Sutton Coldfield and across the area. Sue is a great advocate of our holistic lifestyle financial planning approach. As a Four Oaks Financial Services Financial Adviser, Sue uses her experience and our state of the art Lifestyle Financial Planning software to help clients map all the great events in their lives, such as planning to have a baby! Followed of course by the associated costs of bringing up a child and providing for university fees, maybe a wedding and a deposit for a first home.

Congratulations Sue!

(Photo of Sophia Charlotte taken before the current lockdown)

Financial Adviser Nic Whittaker Turns 40

Financial Adviser Sutton Coldfield
Financial Adviser Nic Whittaker

Financial Adviser Nic Whittaker recently celebrated his 40th birthday, which included a surprise party! (See photo)

“At the age of 40” says Nic “I still feel like I did when I was 16! But I think 40 is the age when you really should do some serious financial planning. I say to my clients, ‘look back to when you were 20, it seems like 5 minutes ago. In another 20 years you will be 60. Time goes by so quickly you need to have a financial plan in place.”

Nic says that at the age of 40 people have some life experience. They’ve experienced highs and lows with friends and family. So, this is when most people, with a bit of financial advice, are able to define their life goals and put a financial plan in place to achieve them.

Nic is a qualified financial adviser.  He has the additional qualifications required to give advice on complex pensions cases and Long Term Care.  He has been a member of our team of advisers who give financial advice in Sutton Coldfield and across the region for over 6 years.  Although Nic is already well qualified he is working towards becoming a Chartered Financial Planner.

At Four Oaks Financial Services we have a holistic approach to financial planning called Lifestyle Financial Planning, you can find out more here on our website.  If you have not yet had our ‘bucket’ presentation from Nic or any of our other Advisers, please contact your Adviser or our Client Liaison team clientcontact@fouroaksfs.com. We are sure you will find this enlightening!

Happy 40th Nic!

Financial Advisers At Aldridge School

Financial Adviser Aldridge
Vicky Hughes, Careers Leader at Aldridge School and David Jones, Financial Adviser

Our Financial Advisers were very pleased to support the Aldridge School Careers Fair before the coronavirus lockdown.  This event was jointly organised by Vicky Hughes, Careers Leader at the school and her colleague Jill Nock.  It was exceptionally well attended by students from year 10, 11, 12 and 13 along with their parents and grandparents.

Four Oaks Financial Services was the only truly local business to take part. Other exhibitors included universities, the armed services, police, local charities and national banks. As local Financial Advisers giving financial advice in Sutton Coldfield and across the area, we are always happy to support local community initiatives.

“The event was very well attended.” Said David Jones, one of our Financial Advisers, who is also a school Governor. “We had lots of conversations with young people who were keen to know what a Financial Adviser actually does, and how you become a Financial Adviser. A few of the youngsters also expressed a wish do their work experience with us.”

Our pop-up banner was very useful in answering the question about what a Financial Adviser does, as David and his colleagues were able to lead the conversation through the bullet points displayed on it.

To answer the question about how you enter our profession, in the past the route most people took to become a financial adviser was via the banking sector.  This route is no longer available, but at Four Oaks Financial Services we do provide a career path for people seeking a career as a financial adviser. Some of our Financial Advisers have university degrees others have progressed to this role and been supported to take their professional exams via a vocational path with us. For current vacancies with us follow this link.

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.

Critical Illness Insurance A True Story

Critical Illness Insurance Sutton ColdfieldIn June 2019 one of our clients experienced a life-changing event. Luckily, she and her partner had previously met with our Financial Adviser, Nic Whittaker. Upon his advice they had taken out critical illness insurance.

She is so relieved to have had this insurance in place, that she has given us permission to tell her story.  Go to our Financial Protection page to read the full case study.

Financial Protection Dos and Don’ts

There are no hard and fast rules or dos and don’ts when it comes to protecting yourself and your family with a critical illness insurance policy.  This is why is it so important to get professional advice from one of our trained specialist advisers. Everyone and every family is different.  Whether this relates to health history or financial circumstances. The key is to match the Critical Illness Insurance policy to the needs of each individual. You can buy this kind of insurance online. However, our Advisers are best placed to advise you based on our holistic lifestyle financial planning approach.

Our client says, “It is now 6 months after my operations, and I am still off work and having to re-assess what my future holds and whether I will ever make a 100% recovery.  I therefore can’t stress enough how important it is to have such a policy in place and would recommend it to everyone regardless of your age/health.”

We’ve got lots more information about Critical Illness Insurance and other kinds of financial protection here.

Our team of Advisers provide financial advice local to Sutton Coldfield and across the wider Midlands area. Our Advisers have the specialist knowledge to help you chose the most appropriate Critical Illness insurance based upon your situation and financial goals. To make an appointment contact our Client Liaison Team on 0121 323 2070 or clientcontact@fouroaksfs.com.

Phoenix Learn About Financial Planning

Financial Advice Sutton Coldfield
Karen Hagan, Financial Adviser

Financial Adviser Karen Hagan recently gave a presentation for the Phoenix Networking group on Financial Planning and How To Get Financially Fit. Phoenix is a business networking group for ladies. Karen, who gives financial advice local to Sutton Coldfield, is an experienced financial adviser and one of our advisers who often works with female clients.

Her presentation was split into four sections. First giving tips on getting financially fit that you can do yourself. Followed by financial planning that needs the help of a financial adviser. She then touched on behavioural economics and finally, ran through our “bucket” presentation. If you have not yet seen this, please ask your financial adviser or book an appointment with our client liaison team.

Top Tips On DIY Financial Planning

In her presentation Karen talked about things that everyone can do for themselves to get fitter financially. Such as, clearing debt, transferring credit card balances, re-mortgaging at a lower rate and making a Will.

The Support Of A Financial Adviser

Karen went on to outline the circumstances where you will usually need the advice of a financial adviser.  For example, making contributions to your pension and tax planning. Or, when looking to make financial investments especially when the stock market is volatile and could be causing the client some anxiety.

Behavioural Economics

In this section Karen talked about attitudes to risk.  Everyone is different.  Some people are put off investing on the stock market, because they perceive it to be risky.  Others have a less cautious attitude to risk. What a financial adviser does is educate people on all the different investment options available and the associated level of risk.

Karen wrapped up her presentation with a light-hearted but very informative run through our “bucket” presentation. This explains the role of financial planning throughout your life and is aligned to our Lifestyle Financial Planning approach.

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.

This Quarter’s Essentially Mortgages Magazine Is Now Available

Mortgage Advice Sutton ColdfieldWe are very pleased to announce that our quarterly magazine, Essentially Mortgages is now available. This is exclusively for our clients to whom we provide mortgage advice in Sutton Coldfield. To read this magazine please click on this link Essentially Mortgages Magazine Q1 2020

This is a complementary magazine for Four Oaks Financial Services mortgage advice clients.  It is full of useful information and topical articles for anyone with a mortgage or looking for a mortgage.  The format delivers lots of news and things you need to know, in a quick and easy to read format.  In this first issue of 2020 you will find articles that our clients seeking financial advice in Sutton Coldfield, and throughout the Midlands area, will find of interest.

Highlights of this issue focusing on Mortgages include:

  • Self-employed? Securing A Mortgage Need Not Be Mission Impossible
  • Garages And Gardens – House Hunters’ Top Priorities
  • Home Affordability Improving For Many
  • Is Mortgage Apathy Costing You Money?
  • Life Insurance For Astronauts?
  • Are Your Christmas Gifts Insured?
  • Thinking Of Remortgaging In 2020? You’re Not Alone
  • Moving Home May Cost More Than You Think
  • Missed The Help To Buy ISA Deadline?
  • Five Things To Remember When You Move Home
  • Your Changing Protection Needs For Every Life Stage

We will be emailing Essentially Mortgages to all of our clients in the next few days.  If you are not on the mailing list and would like to receive this and the sister publication Essentially Wealth, please email clientcontact@fouroaksfs.com.

If you want further information about any of the articles and how you could be affected, our team of Financial Advisers are always available to provide financial advice to our clients in Sutton Coldfield and right across the Midlands region. For help and advice you can contact your Adviser direct, or you can contact our Client Liaison team to make an appointment.

This Quarter’s Essentially Wealth Magazine Is Now Available

Financial Advice Sutton ColdfieldFor our clients to whom we provide financial advice in Sutton Coldfield and across the Midlands, our quarterly Essentially Wealth magazine is now available for you to read. Please click on this link Essentially Wealth Magazine Q1 2020

This is a complementary magazine for Four Oaks Financial Services clients.  It is full of useful information and topical articles delivered in a quick and easy to read format.  In this first issue of 2020 you will find articles that our clients seeking financial advice in Sutton Coldfield and across the region will find insightful.

Highlights of this issue focusing on financial advice include:

  • University – Addressing The Challenge Of Covering Costs
  • Waiting for the Green Shoots of Spring
  • Your Changing Protection Needs For Every Life Stage
  • Free Childcare – Grandparents Really Are Doing Their Bit
  • IHT Receipts Continue To Rise – Planning Pays
  • A Changing Retirement Landscape
  •  Generation Grudge – Desperately Seeking Balance
  • Aggravated By Acronyms?
  • The ‘Front Door’ Of Advice Is Always Open
  • Tax Year End Reminder – Use Your Allowances
  • UK Lags In Terms Of Retirement Security

We will be emailing this magazine to all of our clients in the next few days.  If you are not on the mailing list and would like to receive this and the sister publication Essentially Mortgages, please email clientcontact@fouroaksfs.com.

Remember the 2019-2020 tax year end is 5th April 2020.  The clock is ticking.  Don’t miss out. We can help you utilise your 2019-2020 tax year allowances.

If you want further information about any of the articles and how you could be affected, our team of Financial Advisers are always available to provide financial advice to our clients in Sutton Coldfield and right across the Midlands region. For help and advice you can contact your Adviser direct, or you can contact our Client Liaison team to make an appointment.

Why Have 42% Of Us Got An ISA?

Financial Advice Sutton ColdfieldAccording to HMRC 42%* of people hold an ISA. The reason for this popularity is that they are very tax efficient ways to save, benefitting from no Income Tax and no Capital Gains Tax. In fact, for most people they are one of the best ways to save, so the Government restricts how much you can invest in an ISA each tax year.  For the tax year that ends on the 5th April 2020 adults have an ISA Allowance of £20,000 and children £4,368.

It is important to note that you have to use the allowance in the current tax year.  It cannot be taken over into the next tax year. Use it or lose it.  If you are not sure if you have used all of your ISA allowance this year, or you want to have your existing ISAs reviewed, please speak to your Financial Adviser straight-away. ISAs are usually straight-forward to set up, but you’ve only got until 5th April if you want to invest in your ISA this year.

Find more information about financial advice for ISAs local to 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.

Our qualified Advisers have the expert knowledge to help you chose the most appropriate ISA based upon your circumstances and financial goals. To make an appointment contact our Client Liaison Team on 0121 323 2070 or clientcontact@fouroaksfs.com.

*HMRC, April 2019

Working Hard For Buddy Bag Foundation

Financial Advice Sutton Coldfield
Our Team At The Buddy Bag Pack

We had a brilliant day away from the office recently to help our charity Buddy Bag Foundation . We arranged for an advance party of six to go ahead and help set up the packing benches with the Buddy Bag organiser. This involved quite a lot of sorting and laying out, ready for around 30 of our team to get stuck in and pack all the bags required. Many thanks to our team of financial advisers who provide financial advice in Sutton Coldfield and our support teams for doing such an amazing job.

The Buddy Bags are sent to help children who find themselves in emergency care, so the contents have to be sorted and packed by age range with things that are suitable for boys and suitable for girls. Each Buddy Bag contains around 20 individual essential items like underwear and toiletries. They also hold things that the child can call their own, such as something to draw with and something for them to cuddle. We think the teddy is probably the most important item!

Remember that we are sponsoring the Lichfield Half Marathon on 10th May, and many of our team are running to raise money for Buddy Bag Foundation, here is the link to our Just Giving page if you would like to sponsor us.

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.