Essentially Wealth Magazine Summer 2020 Is Here

Financial Advice Sutton ColdfieldThis quarter’s edition of our complimentary magazine Essentially Wealth is now available for all our clients to whom we give financial advice in Lichfield, Sutton Coldfield and across the region.

We will be emailing this out in the coming days, but if you can’t wait to read the article “Covid-19 The Ultimate Financial Stress Test” and read about “When Is A £20 Note Not A £20 Note” and much more just click this link Four Oaks Essentially Wealth Summer 2020 Q3

Summer 2020 Essentially Mortgages Magazine Is Now Available

Mortgages Sutton ColdfieldWe will be sending this magazine out via email to all our clients who receive Financial Advice in Lichfield, Sutton Coldfield and surrounding areas.

This is a complimentary magazine and this quarter it is full of comment and information regarding mortgage affordability in a post-lockdown world, and items such as the stamp duty break for many home buyers which is only available for a short time.

Make sure you keep up to date and informed.  Please click on this link Four Oaks Essentially Mortgages Summer 2020 Q3 to read the magazine now.

Lou’s Lockdown 40th Birthday

Financial Advice Sutton Coldfield
Lou Lakin & Bear

Lou Lakin who is a key member our Client Liaison team celebrated her 40th birthday on the 10th May. Being such a special birthday there were a lot of plans that had to be put on hold for the moment, but her husband went all out to make it a fab 40th!

Celebrations started on VE Day when the family joined the festivities with the rest of their road from the front garden.  Lou thought that was the highlight of her birthday weekend.

On her actual birthday she found the house decorated inside and out, courtesy of her hubby and three children.  Her friends had put together a compilation video of them all separately singing happy birthday.  Her family had videoed birthday messages and her mum, dad, brothers and sister drove past the house to give her a birthday wave.

One special 40th gift that did arrive as planned is Bear, a Maltipoo puppy who took up residence at the Lakin house in April.  He is now old enough to go out for walks which is something the whole family can enjoy together.

Happy 40th Lou!

An Emergency 21st For Olivia

Financial Advisers Sutton ColdfieldA few days before the UK went into lockdown quick thinking on the part of Olivia’s mum meant she had a hastily arranged 21st birthday celebration of sorts.  Olivia who lives with her mum, was able to see her dad, brother and boyfriend and open her gifts.

On the day of her 21st, the 31st of March, instead of the “all bells and whistles” birthday party that had been planned, Olivia and mum Lisa spent the day quietly together.  But Lisa made sure there were birthday banners, balloons and presents to open – these included a lovely necklace and wanting Liv to have more than one present to open on her special day she also gave her bed sheets – well the only place she could go was the supermarket! There was plenty of bubbly too!

Liv is looking forward to having her birthday party next year and being able to take the trip to Dublin she had planned with her boyfriend once the lockdown is over.

Looking forward to having a glass of wine with you too when we can meet up again. Happy belated 21st Olivia!

Investments Advice Sutton Coldfield

Finacnial Investments Sutton Coldfield

Where do you go for advice on financial investments in Sutton Coldfield? There are the high street banks and building societies. But, they can only give advice on the financial products their organisation provides.  You can of course search online. In both of these instances you are getting access to financial investment products, not financial advice.

Banks & Building Societies

Banks and Building Societies do not have access to the range of products that we do, and they do not give financial investments advice in Sutton Coldfield. They can only talk to you about the investment products that the particular bank or building society provides.

As a firm of financial advisers when we talk to our clients about Financial Investments in Sutton Coldfield we take a holistic approach.  We don’t just talk to clients about an ISA or a savings account. We look at where you are in your life, we talk to you about your financial goals and provide advice tailored to your personal circumstances.

Looking For Investments Online

There is a wealth of information on financial investments in Sutton Coldfield available to anyone who takes the time to look online. We know because we have looked! Investments in property often come up in searches.  Then of course you have the comparison sites that show you how one financial investment compares to another.

There is one big problem with this.  This is information, not advice on financial investments in Sutton Coldfield.

Why Advice For Financial Investments In Sutton Coldfield Matters

Let’s say you are looking for an ISA. You go to a comparison website and see a long list of the ISAs available, the providers, some of whom you will have heard of, some that you won’t be familiar with. You read the information on each. How do you choose?  Do you know that there are different kinds of ISA? For your financial planning needs is an ISA what you require? Do you know about your annual ISA allowance?

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.

Talking to one of our team of Financial Advisers who provide financial investments advice will ensure – You review your circumstances. You understand your financial goals and put a plan in place. You receive advice on the most appropriate kinds of investments for your needs and your attitude to risk.

Please contact us if you would like more information or to make an appointment. During this time of Coronavirus concerns we can hold meetings over the phone or online via Skype, Facetime and so on.





How Do You Know If You Will Run Out Of Money In Retirement?

Financial Planning LichfieldLife is full of unknowns, and most of us have questions about our financial future. Questions that many of our clients find difficult, or even impossible to answer.

  • How much money do I need for a comfortable retirement?
  • Will my money run out?
  • Can much can I afford to give to my children?
  • How would I be affected by a stock market crash or two?

The good news is we have the technology and the expertise to answer your questions, and do much more.  Ask your Financial Adviser about Lifestyle Financial Planning.  This is an extremely in-depth financial planning service we offer to our clients.  We spend time getting to know you and your hopes, fears, dreams and aspirations. Then, using our knowledge and state-of-the-art software, we project your financial position from today to retirement and beyond.

This will reveal any shortfall you may have and we can put in place financial strategies to help you achieve your goals.  Talk to your Financial Adviser about Lifestyle Financial Planning or make an appointment through our Client Liaison Team on 0121 323 2070 or Proving financial advice local to Lichfield and across the region.

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)

Women Giving Financial Advice

Women Financial Advisers
L-R Financial Advisers Karen Hagan & Sue Cassar

The women giving financial advice at Four Oaks Financial Services are an asset to our team. This blog has been written by two of our very experienced Financial Advisers, Karen Hagan and Sue Cassar.

Nick Murray in his book “The Excellent Investment Adviser”, published in 1996, said:

“The rise of women is, in my judgement, the single best thing that has happened in the financial services industry since I entered it, nearly 30 years ago.  Women have made the business not merely better, but finer”.

Naturally we agree!

24 years later, given the strange times we are living in, we believe his comments have a greater resonance now – and here’s why…

Owing to Coronavirus we are facing unprecedented challenges.  Employees are being ‘furloughed’. People are losing their jobs. Businesses are losing their hard fought-for contracts and hard-won clients. Some businesses are having to close. The self-employed and small business owners are struggling with lost income and revenue.

Even During Lockdown We’re Here To Help

We are home working; on lockdown but are still here to help. We are women providing financial advice to our existing clients and we are being contacted by prospective clients, many of whom are women who need our help, right now at this difficult time.

We believe it is very important to acknowledge all the issues people are grappling with and to understand the problems facing our clients at this time. As women giving financial advice we feel that an empathetic, listening approach is needed and; because we are women, we have a heightened ability to empathise and listen.

Us ladies, I think it would be fair to say, have taken a more ‘softly, softly’ approach to financial planning and when it comes to financial products – our approach has historically come more from an ‘advisory’ stance than a ‘hard-sell’ one.  We are keen to be viewed as helpful, not pushy.  In actual fact, given the crisis we all now find ourselves in, we are wondering if that has been the right approach. Should we have been more assertive in our conversations with people…perhaps this could have resulted in them being in a better position during this pandemic than they are now?  Perhaps we could have encouraged them to build a bigger emergency fund; take out Income Protection; save more in an ISA or a pension, which if they are over 55 they could draw upon if they really needed to.

On a positive note we’d like to suggest that our ability to self-reflect is an extremely important attribute.  We would also add that many women are at the forefront of financial services, leading the drive to improve and demonstrating innovation and ambition.

The Skills & Qualities Of A Financial Adviser

Let’s focus on the excellent skills that all advisers have in common:

  • Trust
  • Integrity
  • Professionalism
  • Knowledge

Added to the skills above could be the following qualities we think potential clients would do well to consider when choosing their financial adviser.

  • Listening skills
  • Caring
  • Understanding what’s important to you
  • Passionate about your wellbeing
  • Empathy

Women have these skills in ABUNDANCE!

So if you are looking for a Financial Adviser who listens and cares about YOU then hopefully we have encouraged you to think about engaging the help of a Female Financial Adviser!


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 We are sure you will find this enlightening!

Happy 40th Nic!