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

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

*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.

John Smith Celebrates 5 Years’ Service

Financial Adviser Sutton Coldfield
John Smith, Head Of Paraplanning

When John joined us in 2015 it was as a qualified Financial Adviser, but his career soon took a different path. John had wanted to move into Paraplanning, that’s research for those unfamiliar with industry jargon, but there had always been a catch.  No-one would give John the chance to be a Paraplanner as he didn’t have experience, and the only way you can get experience is by doing the job.  Thankfully, we are a bit more pragmatic and when a vacancy arose in our in-house Paraplanning team we were delighted to give John the opportunity to switch career.  And, we are very pleased we did!

Showing a superb aptitude for Paraplanning work, John was soon promoted from Junior Paraplanner to Paraplanner and a couple of years later, following a restructure, John became Head Of Paraplanning.

In the past five years our team of Financial Advisers who provide financial advice local to Sutton Coldfield, and who produce the work for our Paraplanning team has increased from 8 to 14 Advisers.  We have not increased the Paraplanning team, but John has overhauled the structure of the team, the systems and processes, and no-one has left which shows what a great manager he is!

We presented John with a certificate and a gift from the company, which he is going to put towards a trip to Barcelona with his family.  John said “I am very grateful of the opportunity, four and a half years ago to move into Paraplanning.  I would not be where I am today, and I love being part of the Four Oaks team.”

John is currently working towards his AF7 qualification in Advanced Pension Transfers and is aiming to complete this by the end of the year.  Well done John!

Becky & Ruth Recipients Of Quarterly Recognition Award

Financial Advice Sutton Coldfield
L – R Becky Dyche and Ruth Hughes

Every quarter we nominate the person that we think has gone above and beyond and deserves special recognition. The Senior Management Team then make the difficult decision as to who receives this accolade.

Of the nominees for Q4 2019 there were two people whom it was impossible to decide which should receive the award.  So Paraplanner Ruth Hughes and Becky Dyche of our Client Liaison department were declared joint recipients.

Charlotte Trueman, Head of Client Support said “Becky has won this award owing to her developing a deep understanding of our new back office system, Xplan. Becky has become the go-to person on all things Xplan related. Becky has also been flexible with her working hours and is happy to stay longer to ensure the work we do for our clients is done that day. Becky is also instrumental in organising monthly marketing campaigns and assisted with a number of mailshots in the last quarter of 2019.”

John Smith, Head of Paraplanning said “Ruth has won this award because it is sometimes difficult to believe that she has only been a member of the Paraplanning team for 18 months.  Ruth consistently produces research and suitability reports of an exceptional standard to support our financial advisers who provide financial advice local to Sutton Coldfield.”  He went on to say “Ruth always exhibits a can-do approach and is always willing to go the extra mile.  Ruth has also been instrumental in the successful integration of our new back office systems and is a true asset to Paraplanning and Four Oaks.”

Becky remarked, “I was shocked and pleased to receive this award, but it does give you a boost”.  Ruth said, “I was surprised, but I think everyone deserves this award as we all do our job to the best of our ability.” Well done to both Becky and Ruth who each received a gift and a certificate.

Welcoming Andy Robinson To Our Adviser Team

Financial Advice Sutton Coldfield
Andy Robinson

We are delighted to announce that Andy Robinson has joined us as a Protection Adviser. Andy was in the GB Windsurfing Olympic Squad for the build-up to the 1984 Los Angeles Olympics and has had a great career holding senior positions in business. He joins us with a wealth of knowledge from the “University Of Life”.

Having been a client of financial services for many years, now he’s on the other side of the fence Andy sees himself very much as the client’s champion. He readily identifies with the concerns and worries that people may have when seeking advice and no-one will find a more compassionate Adviser.

Andy is trained to give professional advice on financial protection and has joined the fast-track training programme, aiming to become a fully qualified Financial Adviser by the end of the Summer. This will give Andy the scope to advise his clients on a wider range of financial services.

Previously Andy was Managing Director at NT Telecom for over 30 years, he is a family man, he still regularly windsurfs and is a fell runner!  He has signed up to join his colleagues from Four Oaks Financial Services when we run in the Lichfield Half Marathon in May, and with his unique sporting knowledge he’s giving us all a few training tips.

Andy joins our 14 strong team of Advisers who provide financial advice in Sutton Coldfield and throughout the region.

Helping Core Maths Students At Aldridge School

Financial Advice Sutton ColdfieldIn recent months we have been invited to help teachers at Aldridge School add an extra real-world dimension to their classes. Late in 2019 Financial Adviser, David Jones and our Business Development Manager, Simon Trevelyan gave a presentation to students on careers in finance and banking. In early-January David was invited to speak to the Core Maths students.

Maths Teacher & Careers Leader, Vicky Hughes was coming to the end of the Core Maths Finance Module. She asked her students to create a list of questions to ask David. These ranged from “Can you have a financial adviser before the age of 18?” to “Do you know the proportion of people who don’t have enough money to afford a ‘normal’ lifestyle and are not in debt?”

There were 20 questions overall and David had to do some research in order to be prepared for this bright group of youngsters, some of whom have their sights set on Oxbridge. David said, “I was impressed with the quality of the questions, and also the attentiveness of the students during the session.”

Our team of qualified Financial Advisers give financial advice local to Sutton Coldfield and across the area. As a team we take great pride in serving our local community and are delighted to be asked to work with Aldridge School. We have already agreed to support them again by taking part in their Careers Fair in the Spring.

With Costs Rising How Will You Pay For Your Long Term Care?

The cost of a single room in a nursing home costs on average over £800* per week.  That’s around £41,600 per year and the Government doesn’t seem any closer to deciding what the State will provide to help people with their long term care costs. A policy paper was promised over two years ago but has still not been made public.  Currently, the funding of adult social care is broadly speaking, the responsibility of the individual.

Planning for long term care is difficult, as there are so many “and’s, ifs and “maybes” especially if you are not yet in your twilight years, but your Financial Adviser can talk to you about care funding options, as part of our holistic financial planning. With the costs of nursing and residential homes continuing to rise there is the potential for a massive impact on the future prosperity of families and individuals.

Find more information about financial planning for Long Term Care.

We have expert Advisers who have gained the extra qualifications required to give financial advice on Long Term Care financial planning in Sutton Coldfield and across the region. To make an appointment contact our Client Liaison Team on 0121 323 2070 or

*Source Age UK. 9th December 2019.

Announcing Our Sponsorship Of The Lichfield Half Marathon 2020 & 2021

Financial Advice Sutton Coldfield
L-R Nick Hepburn, Gemma Randle, Martin Ward, Charlotte Trueman, Nick Heath

We are very excited to announce that we are the sole sponsors for the 2020 and 2021 Four Oaks Financial Services Lichfield Half Marathon.  2020 marks the 10th anniversary of this very popular event, with over 1,500 runners expected to take part.

Many of our team are running, including some of our Financial Advisers who provide financial advice in Sutton Coldfield and across the wider area.

Runners can choose to run for their own charity, but if they choose to run for one of our nominated good causes they can enter at a discounted rate.  We are taking our duties as sponsor very seriously, consulting with local runners on things like medals and t-shirts and working closely with professional events management company KP Events who will be using race chip technology to record times and ensure the course is officially measured.

You’ll find lots more information here or to sponsor us follow these Just Giving Links.

Sponsor us to raise money for Buddy Bag Foundation –

Sponsor us to raise money to buy an ECG Heart Rate Monitor for Avon 3 Ward, Worcester Royal Infirmary

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.

A Christmas Surprise For Our Managing Director

Financial Advisers Sutton Coldfield
Louise Lakin, Client Liaison & Martin Ward, Managing Director

At the end of 2019 we held our Christmas party at The Belfry.  We had a private room which gave members of the Senior Management Team the opportunity to say a few words. But our MD, Martin Ward got a surprise when our Receptionist, Olivia Arnold got up to speak.

2019 has been a very successful year for us, and the whole team had joined together to say a big “thank you” to our MD. On behalf of us all, Olivia presented Martin with a gift voucher for Hampton Manor, a nearby Michelin star restaurant with individually designed guest rooms.

The gift giving didn’t stop there! Both Martin Ward, and our team of Financial Advisers, who provide financial advice in Sutton Coldfield and across the region, both expressed their thanks to our Paraplanning, Client Support and Client Liaison teams who support them throughout the year. Every member of our support teams was presented with a gift from both Martin and our Financial Adviser team.