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.

Transferring out of a Final Salary scheme is unlikely to be in the best interests of most people.

The Financial Conduct Authority does not regulate on Estate Planning.

The Financial Conduct Authority does not regulate on Auto Enrolment.

Whether you are employed, self-employed or an employer speak to us for pensions advice and company pensions advice especially if you are based in the Sutton Coldfield, Lichfield and Tamworth area. We strive to help our clients achieve a happy and comfortable retirement, but to facilitate this it is vital that you seek expert Pension planning advice as early as possible. We work across the Midlands area and specialise in providing pension advice to local people and local businesses. Our highly qualified advisers provide Pensions advice in Tamworth and Pensions advice in Lichfield and throughout the surrounding area.

Pension Planning for Business Clients

At Four Oaks we don’t just provide pension planning for private clients. We work extensively with businesses and have implemented auto enrolment in Tamworth and company pensions for Sutton Coldfield and Lichfield businesses. Why not contact one of our Advisers and we will assist you whether you are an employee or an employer.

Pension Planning for Self-Employed Clients

If you are self-employed we can give pensions advice on pension plans that offer flexibility and take into account irregular earning patterns which can make regular saving difficult. You may also be interested to know that the Government is said to be considering ways of extending auto-enrolment to the self-employed.

Since pension legislation changed in 2015 more people are opting to take money from their pension before they are 65. Sometimes this is to invest in their business. To make sure you make informed choices and avoid putting your financial future at risk please take professional advice.

Talk to us for pensions advice in Tamworth and Sutton Coldfield and further afield.

Pension Planning for Private Clients

If you are an employee of a business has your employer spoken to you about how the law on workplace pensions has changed? This is sometimes referred to as Auto Enrolment.

You may have been employed by several businesses during your career and you may have pensions in different places. We can give pensions advice on whether to leave your pensions where they are, or whether you should transfer them to get better results. If you don’t carry out regular reviews on the performance of your pension or pensions you could be losing out and even find that your fund will not provide you with the income you are looking forward to in retirement. The sooner you find this out the sooner you can take action. This may not mean that you need to invest more money, but you may need to invest in a different pension plan or indeed other investment options, depending upon your personal circumstances.

If you are looking for pension advice and live in Tamworth and the surrounding areas we will arrange to meet you at your home or at our local office near Lichfield. If you are living further afield that’s not a problem either as we have clients throughout the UK with whom we have worked with for many years.

Sometimes a company pension scheme from an old employer will offer you the opportunity to transfer your pension out of their fund at what seems like a great level of return, only after seeking advice can you make the right decision. By keeping the pension going you may receive much more money long term especially if it is a company pension final salary scheme.

Transferring out of a Final Salary scheme is unlikely to be in the best interests of most people.

However, there are some circumstances where we might consider a Defined Benefits transfer.

If you are considering accessing your pension fund before you are 65 talk to us. Many people have fallen foul of pension scams and some people who have taken money out of their fund early could run out of money in later life. Make sure that you take professional advice from one of our Advisers, our office is close to the Sutton Coldfield area, so you can make an informed decision.

Pension Planning – The Basics

Pensions are not something to be done, dusted and left alone. Pension planning should be regarded as a core aspect of your financial plan and your pension should be regularly reviewed to check how it is performing and what income it is projected to provide you with when you reach retirement. It is essential to get pensions advice and as a local firm we are well placed to help you especially if you are in the Lichfield area which is close to our office.

If we review your pension or company pension and find it meets your needs and is performing well we will recommend that you don’t need to make any changes. One thing is for sure we will always give you the most appropriate advice and explain in uncomplicated terms the benefits and options if we think it would be beneficial for you to make a change. By seeking Pensions advice from a local firm in the Tamworth and Sutton Coldfield area you will develop a genuine relationship with us and we can meet with you annually or more frequently if this is what you need.

In very rare circumstances we might recommend a defined benefits transfer, this is a transfer out of a final salary pension.

Transferring out of a Final Salary scheme is unlikely to be in the best interests of most people.

At Four Oaks we aim to provide pension planning and retirement planning that will enable you to maintain the lifestyle you have whilst you are still working and carry this on into your retirement years. We will also advise you on estate planning and can even advise you on long term care options. We make sure that all of our Advisers are qualified to give advice and there is access to a Chartered Financial Planner through this practice.

One of the key factors to look at when reviewing your pension or company pension are the management charges your pension provider is taking. Charges on some older plans are much higher than their modern equivalents. A pension review with an expert from Four Oaks will show the impact these charges are having on your pension value and our Advisers will be able to recommend whether you should transfer to another pension fund and recommend appropriate options. There are lots of variables to take into consideration when reviewing a personal pension or a company pension and deciding upon the right course of action can only be determined when you have received trusted advice.

So if you are looking for Pensions advice in Lichfield or advice on pensions in Tamworth or have a pension and live in the Sutton Coldfield area please talk to one of our Advisers and be assured of first class local pensions and company pension advice from a well-respected local firm.