Funeral Planning

Funeral planning is not regulated by the Financial Conduct Authority.

Golden Charter are neither authorised nor regulated by the Financial Conduct Authority.

At Four Oaks Financial Services we have a holistic approach that we call lifestyle financial planning. Making decisions and planning for the end of your life is part of this process. We have researched the providers of funeral plans and we have chosen to recommend Golden Charter Funeral Plans for a variety of reasons. Please contact us for more information.

The Difference Between Funeral Plans And Other Protection Plans

You may well have seen the adverts on TV. Some of these are actually for Over 50s Protection Plans, they are not the same as a Funeral Plan because they usually only pay out a lump sum on your death, and this may not be sufficient to pay for the cost of your funeral director’s services.

The Benefit Of A Funeral Plan

The benefit of having a funeral plan is that you can fix the cost of the funeral director’s services covered by your plan at today’s prices. So, you can be sure that when you die the cost will be covered and the funeral director will already know your wishes. The main benefit is that your loved ones will have one less thing to worry about at a difficult time.

There is no doubt that funeral costs are rising. In 2004 the average funeral cost was £1,920*, in 2017 it was £4,078* and for 2017 the projected cost is £7,298**.

There are four funeral plans to choose from, and one of our Financial Advisers who provide financial advice in Sutton Coldfield and across the Midlands, will help you. They will talk to you in detail so you can opt for the plan most suitable for you. The main difference between the plans is the type of coffin you decide on, but your local Golden Charter funeral director will be able to give you guidance on the types of coffins available within your plan.

Why We Recommend Golden Charter Funeral Plans

At Four Oaks Financial Services we pride ourselves on exceptional customer care. Having carried out a great deal of research we believe that Golden Charter shares our service ethos, and our clients will be in caring and safe hands.

• Over 500,000 individual Golden Charter Funeral Plans taken out by UK individuals
• Golden Charter work with over 3,000 independent funeral directors nationwide
• A Golden Charter Funeral Plan represents a legally binding contract with the selected independent funeral director
• The Golden Charter Trust holds over £1 billion of assets to pay for future funerals
• Golden Charter is authorised by the Funeral Planning Authority (FPA)
• FPA authorisation is subject to annual renewal, and this renewal is subject to funeral plan providers maintaining sufficient capital and high levels of customer service

Ask Your Adviser About Funeral Planning

Our Financial Advisers work with our clients to give financial advice local to Lichfield and the wider area. They are used to talking to people about every aspect of their financial planning, including the subjects most of us would rather not dwell on, such as Long Term Care and Funeral Plans. Planning for your funeral and making your wishes known means that you will have the funeral you want together with the peace of mind that the costs are covered because they are fixed at today’s prices and covered by your funeral plan.

*SunLife Cost of Dying Report 2017
**Projection by Golden Charter based on the SunLife Cost of Dying Report