Thinking Of Paying Off Your Mortgage Early? Talk To Your Financial Adviser First

Mortgages Sutton ColdfieldAccording to research from Santander overpaying a relatively small amount each month on your mortgage repayment can save thousands of pounds and take months, if not years, off your mortgage term.

We are not saying that this is too good to be true. But there may be rules attached and other things to consider, which is why we highly recommend you talk to your financial adviser who provides local financial advice in Sutton Coldfield and across the Midlands.

You will need to check if your mortgage plan allows you to make overpayments or if there is a limit to the amount you can overpay. Possibly more importantly if you are on your lender’s standard variable rate, they tend to be expensive and you could be paying more than you need to each month.  You may want to ask your financial adviser to review your current mortgage as there may be a better rate and overall deal for your specific circumstances.  Also, if you are planning to repay your mortgage because of a property sale or inheritance there may be a penalty for early repayment.

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

You can talk to your Financial Adviser about any issue related to mortgages. Contact our Client Liaison Team on 0121 323 2070 to make an appointment.

Emily Walker Becomes A Qualified Mortgage And Protection Adviser

Mortgage advice Lichfield
Emily Walker, Mortgage & Protection Adviser

Many of our clients will know Emily as she has been a member of our team for over 5 years. We are absolutely delighted to announce that Emily has achieved her qualifications to become a Mortgage & Protection Adviser and is now working full-time in this new role.

Emily is a shining example of a person who joined us as a junior member of our Client Support team but has grasped the career progression opportunities we offer at Four Oaks Financial Services. She is just two examinations away from becoming a fully qualified Financial Adviser, but for the moment she wants to focus on providing her clients with mortgage advice and financial protection advice local to Lichfield and across the wider area.

“Martin Ward has been a huge help.” Says Emily. “Over the years he has given me the opportunity to take on more responsibility and new roles, and his faith in me has given me the confidence to go further in my career. I’ve also had incredible support from the senior management team and my colleagues.”

Having worked on the administrative-side of financial services Emily has a rare combination of knowledge and experience. She knows the quirks of some of the mortgage and protection providers and exactly what information needs to be submitted to ensure a swift and positive outcome for clients.

In her spare time Emily enjoys fly-fishing with her dad and grand-dad. She is a member of Blithfield Anglers at Blithfield Reservoir but has been fishing since she could walk.

Congratulations Emily and we all wish you continued success in your career.

Protection Adviser Wai-Lee Ho Joins Our Team

critical illness insurance Lichfield
Wai-Lee Ho, Protection Adviser

We are delighted to announce that Wai-Lee Ho has joined our team as a qualified Protection Adviser. Wai-Lee was a client of Four Oaks Financial Services and after talking to one of our Financial Advisers who provide financial advice in Lichfield and across the region, he decided that a change of career into Financial Services was right for him.

Wai-Lee has worked in catering all his life, but with a Bachelor’s in Business and Politics from Loughborough University and a Masters in Diplomatic Studies from Keele University, he felt that his talents could be better utilised and he would derive more personal satisfaction by working in Financial Services.

The financial services sector appealed to Wai-Lee’s natural desire to help people, and being a Protection Adviser he helps people protect what is most important, their families and themselves. These are the same passions that drive his interests outside of work. He is a District Councillor and Vice Chair of Audit and Member Standards at Lichfield District Council and a Parish Councillor in Hammerwich.

Wai-Lee has already attained two of the qualifications that will see him fully qualified as a Financial Adviser, namely Protection and Ethics. He intends to be fully qualified by the end of the year. He then has aspirations to qualify to provide advice in other areas such as Defined Benefits Transfers and possibly becoming a Chartered Financial Planner in the future.

Earlier this year Wai-Lee was invited to No.10 in recognition of his contribution to the Chinese Community in the Midlands. In his spare-time he is an avid Star Trek fan, and recently met William Shatner, the original Captain Kirk. Glad to have you on-board at Four Oaks Financial Services!

We’re Seeking A Financial Adviser Who Wants A Better Work/Life Balance

Financial Advisers Sutton ColdfieldIf you are an Adviser, qualified to Level 4 Diploma status, and you want to spend more time working with your clients, with an option to work from home. And, you are fed up with all the bureaucracy our profession has to deal with. We want to talk to you.

Our large friendly and stable team will support you. Let us do your Administration, Paraplanning, Compliance, Marketing and Appointment Making.

“Martin Ward has delivered on everything he said he would. He believes in playing fair, and he does. Due to having more time, I am now one of the highest qualified advisers in the region and I can concentrate on delivering better client outcomes as a consequence. None of this would have been possible had I not become a member of this practice.” Ian Cleghorn, Chartered Financial Planner.

Read Ian’s full testimonial and find out more about this vacancy on our Careers page

A highly competitive self-employed package will be offered to the successful candidate.

If A Key Person Died Or Was Seriously Ill How Would Your Business Cope?

Corporate Financial Services Sutton ColdfieldMost of us take steps to protect our family, but business owners need to take steps to protect their company and their staff too. The business provides employment and thus wages for everyone working for the business.  What would happen if the owner, a partner or a person with specialist knowledge suddenly just wasn’t there?  How would loans be repaid?  Who would make decisions and run the business? If the person died, what would be the impact on shareholders, share ownership and the involvement of their family in the business?

Our specialist corporate protection Financial Advisers who work with our clients in Sutton Coldfield and throughout the region, can help you put plans in place for the financial security, stability and continuity of your business.

Click here to find out about the host of corporate protection services we can provide to businesses large and small including:

We can advise you on how to make your protection as cost-effective as possible by providing plans whose premiums are tax-deductible.

Our MD To Climb Snowdon For Local Stroke Unit

Financial Advice Sutton Coldfield
Martin Ward, Managing Director, Four Oaks Financial Services

Last September Peter Robinson, a good friend of Four Oaks Financial Services, had a stroke. This was sudden, unexpected and sent shock waves through the local business community.  Birmingham Heartlands Hospital Stroke Unit saved his life.  Peter wants others to benefit from the kind of support and help he received, and his team at Prizm Solutions wanted to do their bit too.

They decided to do the Three Peaks Challenge, and a Snowden climb to raise funds for the Stroke Unit.

Our MD, Martin Ward is joining Peter, his colleagues and a group of other local business people to climb Snowdon on the 8th June, and others will be doing the Three Peaks Challenge the same day.  If you would like to read more or make a donation to help them achieve their £5,000 target, please follow this Just Giving link.

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.

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

Mortgages Sutton ColdfieldWe’ve just published the latest edition of our mortgages magazine, which includes news that homes are becoming more affordable and if you are considering lending money to your family, how to do it right.

We will be sending this out 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 Q2 2019 Four Oaks – Essentially Mortgages

Download The Lastest Edition Of Our Essentially Wealth Magazine

financial advisers Sutton Coldfield This quarter’s magazine is packed full of articles and spotlights why divorced women are at risk of pension poverty and why 1 in 10 people expect to work for the rest of their lives.

We will be emailing the latest issue of Essentially Wealth magazine to our clients in the next few days, but you can read it here right now.  If you would like to receive this via email and are not on our mailing list please contact clientsupport@fouroaksfs.com.

To download Essentially Wealth follow this link Q2 2019 Four Oaks – Essentially Wealth

Congratulations To Mark Timmins On 5 Years’ Service

Financial Adviser Sutton Coldfield
Mark Timmins, Financial Adivser

Financial Adviser, Mark Timmins is celebrating five years’ service with Four Oaks Financial Services. Mark joined our team in 2014 from Lloyds Bank where he was a Financial Consultant.  In this role he was a fully qualified Financial Adviser, but was only able to provide clients with certain products, and he had to adhere to the Bank’s procedures.  Mark felt that he could provide a better service for his clients in terms of choice and speed, by working with us.

In the past five years there have been many changes in the Financial Services sector, for example auto enrolment was introduced and Mark has done a great deal of work with businesses on this, which has led to working with individuals within the businesses. His passion is helping people with their pensions and investments, and Mark says that the introduction of our Lifestyle Financial Planning approach and software has made a big difference to his clients.  He recalls that his best memory of the last five years was when he was able to use Lifestyle Financial Planning to illustrate to a client how close he was to being able to retire, and as soon as he was able to, he did.  For Mark, this typifies the role of a Financial Adviser, which is to help people to achieve their goals, not talking about financial products and services.

Mark continues to invest in his own skills and knowledge, and is now also qualified to give advice on Equity Release and Long Term Care planning, which are specialist areas of financial planning.

In recognition of his five years of service Mark received a certificate and a gift from the company, which he used to treat himself to an upgrade of his home cinema equipment.

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.

Equity Release will reduce the value of your estate and can affect your eligibility for means tested benefits.

We’re Seeking A Financial Adviser Who Wants A Better Work/Life Balance

Financial Advisers Sutton ColdfieldIf you are an Adviser, qualified to Level 4 Diploma status, and you want to spend more time working with your clients, with an option to work from home. And, you are fed up with all the bureaucracy our profession has to deal with. We want to talk to you.

Our large friendly and stable team will support you. Let us do your Administration, Paraplanning, Compliance, Marketing and Appointment Making.

“Martin Ward has delivered on everything he said he would. He believes in playing fair, and he does. Due to having more time, I am now one of the highest qualified advisers in the region and I can concentrate on delivering better client outcomes as a consequence. None of this would have been possible had I not become a member of this practice.”  Ian Cleghorn, Chartered Financial Planner.

Read Ian’s full testimonial and find out more about this vacancy on our Careers page

A highly competitive self-employed package will be offered to the successful candidate.