The value of investments and the income they produce can fall as well as rise, you may get back less than you invested.

Four Oaks Financial Services based in Lichfield, Staffordshire is a firm with big ambitions. They have launched their own training academy with the aim of developing the next generation of qualified advisers from their in-house Paraplanning and administration teams.

Lifestyle Financial Planning is an enlightened new approach to financial planning that could change your health and well-being in a much more positive and impactful way than any of the New Year resolutions we are all trying to stick to!

In the past Critical Illness policies have been slated for having too much leeway which allowed insurers to decline too many claims. Much has changed and critical illness insurance providers have improved their products, increased the illnesses and conditions they cover and offer a wide range of options that make the premiums affordable.

Private medical insurance is not as expensive as it once was. Insurers have worked hard to make this more affordable with a range of plans that will suit most budgets and over the last few years private medical insurance has become a very competitive sector.

Getting the help of experienced and knowledgeable accountants can be a great way to ensure your business’ finances are all in order.

Did you know you can review your mortgage at any time? Did you know that if you are on a fixed rate mortgage and you automatically switch to your lender’s Standard Variable Rate at the end of the fixed rate term this could be costing you more than you need to pay, over the life of the mortgage when comparing with a new fixed rate term.

Retiring in your 50’s is not an impossible dream, as long as you start planning for this early enough, regularly review how your pension is performing and possibly most importantly you get professional financial advice.

In 2014 Quality Watch, which is an independent research organisation set up by the Nuffield Trust and the Health Foundation, said “Home and day care spending by councils has fallen by almost a third, equating to £618 million (real terms, net current expenditure, comparing 2013/14 to 2009/10). The result is that 82,000 fewer older adults receive home care (an 18% reduction) and the number receiving day care has almost halved (around 46,000 people).” (1)

Four Oaks Financial Services has done something quite unique in the financial services sector.