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.

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.

This is what happened to Four Oaks Financial Services client, Martin Warrillow.

It's that time of year when we're surrounded by paperwork and can't face the fact that we need to get it into some sort of order before we complete our tax returns.

The dreaded 31st January deadline is looming. Are you on top of your tax return this year?

Due to all the conflicting advice that’s around at the moment it would be easy to just do nothing hoping that it will just go away but it’s definitely not going anywhere and it affects all employers and employees.

This was a Budget for bingo-playing baby-boomers who have not started to draw their private pensions.