Nick Hepburn Goes Back To School

Financial Advice Sutton Coldfield
Nick Hepburn

Another member of our team is taking their next step on their career path at Four Oaks Financial Services.  Nick Hepburn has been accepted to join the Quilter Financial Adviser School.  Nick works in our Paraplanning team but has set his sights on becoming a fully qualified Financial Adviser by the end of January 2021.

Nick had to work hard to get accepted into the School having to pass a rigorous set of tests and an assessment day. The Quilter Financial Adviser School enables students to study and sit all of the six required exams for a Level 4 qualification in 12 months.

He has worked in our Paraplanning team for over 18 months and has acquired a good knowledge of financial services terminology and procedures, which will put him in good stead.  He is looking forward to joining our team of Financial Advisers providing financial advice in Sutton Coldfield. Nick will transition from Paraplanning to Advising as he gets qualified first to give Advice on Protection, then Mortgages and finally being fully qualified.

Nick says “This is a great opportunity for me to progress in my career. I’ve already had offers of help with role-play exercises from the Financial Advisers and support from my colleagues who have already taken some of the exams. Prior to coming to Four Oaks I was in the fitness industry working one to one with clients, now I will be able to help people to get fit, financially.”

Take Financial Advice Before You Cash In Your ISA

Financial Advice Sutton ColdfieldIf you are considering cashing in an ISA and moving the money to a new ISA, please read this.

It is usually more beneficial to transfer an ISA to another ISA. This of course depends upon your circumstances but getting financial advice first could mean that you continue to enjoy the tax benefits on the whole amount of the investment.  The rules around ISAs say that if you invest in a new ISA you can only save up to £20,000 in the current tax year.  If the ISA you are cashing in has a value greater than this you will not be able to invest any sum over the £20,000 threshold.

It is also a good idea to get financial advice on ISAs to make sure that you are investing in the ISA most appropriate for you needs. We have a wider range of ISAs than you will have access to on the high street or online and we will be able to advise you on the interest rates and the management fees.  There is more information here.

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 Financial Advisers give financial advice on ISAs in Sutton Coldfield and across the region.  They also give advice on other tax efficient savings.  To make an appointment contact our Client Liaison Team on 0121 323 2070 or

Treating Customers Fairly Survey Goes Electronic

Financial Advice Sutton ColdfieldSo that we can continually improve what we do, we actively ask our clients for feedback.  We do this through our Treating Customers Fairly questionnaire. This survey asks our clients about our quality of service and how we can make it easier for them to deal with us.  Earlier this year we received feedback from clients saying that they would much prefer this survey to be available to complete online.

So, as of September we made this electronic and we have seen a large increase in the number of clients completing the survey.  This survey goes out shortly after we have completed a piece of work for a client.

We will always offer our clients a choice and will communicate and work with them in the way that they prefer. However, we see the benefit of using technology and have invested heavily in systems, software and hardware to assist our team of Financial Advisers who provide local financial advice in Sutton Coldfield and the wider area.

Passing On Life Skills At Aldridge School

Financial Advice Sutton ColdfieldFor the second year we have been asked by Aldridge School to give a presentation to their Year 12, Lower Sixth students.  The Financial Sector is extremely important to the UK economy and this year the school asked us to talk about careers in finance and banking, accountancy and financial services.

Our Business Development Manager, Simon Trevelyan and Financial Adviser, David Jones who provides financial advice local to Sutton Coldfield and across the Midlands region, were only too happy to help.  Simon has worked in financial services for many years and David has previously worked at Lloyds Bank, he regularly works with accountants and has spent many years in financial services. They gave two half hour presentations and answered questions from the students.

Adele Stubbs, Head Of Year 12s at Aldridge School said “I just want to say a big thank you for assisting with our presentations.  It was lovely to see you again and the students really appreciate the information you provided.”

David was impressed by the questions the students asked, saying “The Year 12s are a credit to the school.”

Following the presentations, David been asked to go back again to talk to the Core Maths students on Budgeting, Income Tax, Payslips including NI, pensions and student loans, controlling debt and mortgages.  Vicky Hughes, Career Leader at Aldridge School said, “It is great to get someone in the financial services industry to speak about things that will impact all of our students’ futures.”

This Quarter’s Essentially Wealth Magazine Is Now Available

Financial Advice Sutton ColdfieldOur quarterly Essentially Wealth magazine is now available for you to read, please click on this link Q4 2019 Essentially Wealth Nov 2019 pdf

This is a complementary magazine full of useful information and topical articles.  In this issue we look at why keeping a clear head with your investments is important, which is timely owing to the continuing market volatility surrounding Brexit and the General Election.  On a happier note read about planning for a new arrival in the family.

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

This Quarter’s Essentially Mortgages Magazine Available Now

Mortgage Advice Sutton ColdfieldThe latest issue of our Essentially Mortgages magazine is ready to download click on this link Q4 2019 Essentially Mortgages Nov 2019

In this quarter’s magazine we shine a light on the myth of common-law marriage and report on research into the implications for parents helping children onto the property ladder.

We will be emailing this magazine to all of our clients in the next few days, if you are not on the mailing list, please contact and we will make sure you receive this.

Will You Leave Behind An Inheritance Tax Problem?

Inheritance Tax Sutton ColdfieldAs Financial Advisers we help our clients with their financial planning for the whole of their lives and for what happens after they have passed away.  Many people are going to have a problem with Inheritance Tax, or rather their beneficiaries are, when they die. Unless they take action now to address this.

Our Financial Advisers who provide financial advice local to Sutton Coldfield and across the area, help our clients with their Inheritance Tax planning.  There are many options to consider.  One is to take out a life insurance policy which can provide a sum of money to pay all or part of your Inheritance tax bill.  See the example on our Inheritance Tax Planning page.

Tax Planning and Inheritance Tax Planning is not regulated by the FCA.

Tax treatment varies according to individual circumstances and is subject to change.

Talk to your Financial Adviser about Inheritance Tax Planning or make an appointment through our Client Liaison Team on 0121 323 2070 or

Olivia Arnold Receives Our Quarterly Award

Financial Adviser Sutton Coldfield
Olivia Arnold, Receptionist

Our Receptionist Olivia Arnold does much more than greet our visitors!  Her job title definitely doesn’t tell the full story, and that’s why her colleagues put her forward for our Quarterly Recognition Award.

Our senior management team gave the award to Olivia in recognition of her hard work and commitment to the Firm and her growing confidence and desire to learn and adapt to whatever task is required.  For example, Olivia now takes the Minutes of our weekly meeting, she manages all the supplies that give us a top-quality working environment, not to mention managing the plethora of stationery we need.  She provides support to our MD Martin Ward, provides additional support to our Client Support team and is being trained so that she can give cover in the department.

“I feel very appreciated and happy.” Says Olivia.  “It is good to feel that all the little things that I do, add up and this has been recognised.”

Olivia was nominated by several colleagues including Financial Adviser Nic Whittaker, who provides financial advice local to Sutton Coldfield.

Cheese, Wine and Q&A

Financial Adviser Sutton Coldfield
Mark Timmins, Financial Adviser

Darwin Court Care Home in Lichfield recently held a social cheese and wine event for their residents and families with the added benefit of being able to meet a Financial Adviser and a Solicitor.  They invited Mark Timmins, one of our Financial Advisers and Rebecca Head, Solicitor at Four Oaks Legal Services to provide general information on issues that affect people living in care homes.

Although no specific financial advice was given, residents asked questions around paying for care and the investment of funds to pay for care in the future.  From a legal perspective the questions were more around how to stop a family home being sold to pay for care and how to protect property so that children and grand-children can receive an inheritance.

Mark Timmins is a Financial Adviser who is qualified to give financial advice on all aspects of financial planning.  He also holds the additional qualification required to give financial advice on Long Term Care.  Mark is one of our team of Advisers who provide financial advice local to Sutton Coldfield and across the wider area.

Four Oaks Legal Services Limited is not an appointed representative of Quilter Financial Planning Limited, and Quilter is not responsible for the services and activities provided by Four Oaks Legal Services Limited.

Legal Advice is not regulated by the Financial Conduct Authority.

Announcing Gemma Randle Has Joined Our Team

Financial Advice Sutton Coldfield
Gemma Randle, Client Support

We’ve extended a warm welcome to Gemma Randle who has joined our Client Support Team.  Gemma is no stranger to financial services and administration, having previously been a mortgage adviser at HSBC for 10 years and the Principal’s PA at a secondary school for the past two years.

In her new role Gemma will be supporting our Financial Advisers who provide financial advice in Sutton Coldfield and across the region.  Her duties include carrying out important administrative tasks such as inputting new client details and liaising with financial services providers so our Advisers can act on our new clients’ behalf.

Gemma, who is married and a mum of two, chose to join us because she wanted to get her work/life balance back.  Outside of work she describes herself as “Mum’s Taxi” and enjoys the gym, seeing friends and family holidays.

Gemma has been surprised at how busy our Client Support Team is, saying there is never a quiet moment.  She particularly likes working as part of a team and is looking forward to progressing in her career here at Four Oaks Financial Services.  Welcome Gemma!