Lifestyle Financial Planning

Providing Clarity Of Purpose, To Help You Achieve Your Lifetime Goals

Financial Planning 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.

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

Tax Planning is not regulated by the Financial Conduct Authority.

Estate planning is not regulated by the Financial Conduct Authority.

Lifestyle Financial Planning Can Help You Turn Hopes And Dreams Into Reality

  • What is really important to you?       What is non-negotiable?
  • What’s the purpose of your money?
  • How much is enough and do you have enough for each stage of your life?

We believe that the purpose of your money is to achieve your life ambitions and money is just a means to an end. We also believe that the clarity of purpose our Lifestyle Financial Planning service will bring to your financial planning, will show you whether your lifegoals are achievable, or how you can prioritise and plan to fund what is really important.

We all need enough money to live day-to-day and having healthy reserves provides security and peace of mind. However all too often we find that many of our clients accumulate more wealth than they need and have spent years unnecessarily worrying about whether they have enough money.

Achieving our goals lets us get the most out of our lives, whether that’s to enjoy a long and comfortable retirement being able to afford to do the things we want to do, or helping our children get a university education or helping them on to the property ladder.

Let one of our qualified Financial Advisers who provide financial advice local to Sutton Coldfield, work with you to define your goals. Once you and they understand what you want to achieve, they will use their expertise and knowledge together with proven technology to plot your income and expenditure into the distant future. You will have your own tailored Lifestyle Financial Plan which we will review with you every year to help you keep on track.

How Two Clients Benefited From Lifestyle Financial Planning

“I found the Lifestyle Planning fantastic! It put my mind at rest concerning my financial future which is a great comfort! My Adviser, Mark Timmins, was very helpful and friendly and sorted my Pension easily and swiftly. I wouldn’t hesitate to recommend Four Oaks FS to anyone and especially the Lifestyle Planning for those who have any worries about their finances in the future!” Elisabeth Arnold

“I found the discussions very interesting and the lifestyle planning tool has already made me think harder about what I would like to achieve in future. I am starting to see that the client-advisor relationship is so much more than just the practicalities of pension planning and reaches far further into all aspects of life. As I said, I am feeling much more positive about money in general following our visit and I look forward to seeing what happens next with the steps we discussed.” Shelagh Mitson

The Benefits of Lifestyle Financial Planning

There is a sad side to looking back on your life and realising you’ve got lots of money left over. Ask yourself this; what would you have done differently if you had known this was always likely to have been the case?

The reality for many of our clients is that they can, and do, achieve so much more with their lives with the help of our very different approach to lifestyle financial planning. They achieve more of their ambitions and have a more rewarding life. They live life with less stress and greater peace of mind from having clarity about what is important to them and how they can achieve a happy and fulfilled life.

The real benefit of Lifestyle Financial Planning is being to answer with some certainty questions such as:

  • When can I afford to make the decision to reduce my hours or to stop working?
  • If I give some of my money to my children, will I still be able to live comfortably in retirement?
  • What rate of investment return do I need to achieve my objectives?
  • What is my estate’s likely inheritance tax bill, are there ways of reducing this?
  • What if……?

Our Financial Advisers provide financial advice local to Lichfield and across the region. They can show you a visual representation of your current lifestyle, the lifestyle you want as you get older and your desired lifestyle in retirement. We can even show you the impact of the “What ifs…..” in real-time when you have meetings with your Adviser.

Our Lifestyle Financial Planning Process & Software

The best way for us to add value to our clients is to understand them, their family and business as fully as possible. Only then will we be in a position to optimise their financial position over many years as their circumstances and objectives, tax rules, markets and legislation changes.

We use industry leading software to test, present and create goal based financial plans. Our objective is to help you achieve your hopes and dreams.

Benefits of Our Lifestyle Financial Planning Software:

Our software enables your Financial Adviser to show you in a visual representation, your overall retirement income needs, including your current and future needs. This includes looking at tax efficiency, inheritance tax planning and having funds in reserve for life’s unexpected events.

We help clients clarify and quantify what they really want to achieve for themselves and their family over their whole lifetime.

We use a number of visual images to show the effect of your financial decisions. The graph above shows the kinds of expenses you are likely to have before you retire and in your retirement.

We can have a discussion about ‘What if’s…” and in real-time you will be able to see how your goals, hopes and dreams could become a reality. The beauty of this is you see the likely outcomes and adjust your decisions accordingly.

We then agree your preferred lifestyle financial planning strategy, showing you visually the likely outcome of changes to your income, expenditure, assets and liabilities including your tax position.

This graph shows employment income (blue), state pension (orange), shortfall (red)

Please contact us for more information or to make an appointment with one of our Financial Advisers local to Lichfield and the surrounding areas.