Combining powerful software with the knowledge and experience of our Financial Advisers in Lichfield our clients can now confidently plan for their desired lifestyle today, in middle-age and in retirement.  In fact our software breaks this down year, by year throughout their lives.

At Four Oaks Financial Services we take a different view on financial planning.  We have an approach that we call Lifestyle Financial Planning that is focussed not on single investments but on what you want to achieve for you and your family, and this is driven by your hopes and dreams. 

If you think hopes and dreams are a bit of a luxury and you don’t really expect them to happen we are pleased to tell you this is wrong thinking!  If you work with one of our Financial Advisers in Lichfield or throughout the area, we will show you where you are now, where you want to be financially and how you could get there. 

Our Lifestyle Financial Planning is based on sound holistic advice and best practice with the emphasis on engagement with our client and their involvement in the process.  

When you have a meeting with your Financial Adviser the software allows you to have a meaningful discussion about “what if this or that should happen?”  We key in the information and in real-time you will see the impact and be able to make informed decisions. 

Here’s one of the screens, showing your age across the bottom, pre-retirement (the purple bit) and the things you think you will need to pay for.  The green bit is your retirement years and the things you anticipate wanting to pay for like a new car, in this example when the person is 72 years old.

This is just one of many easy visuals contained in the software to help you answer these questions: 

• When can I afford to go to part-time hours or to stop working?
• If I give some of my money to my children, will I still be able to live comfortably when I am older?
• What rate of investment return do I need to achieve my objectives?
• If I die or get seriously ill, will my family cope financially? 

If you are wondering what would happen if there is a stock market crash or you need some money for something unexpected, rest assured the software has scenarios built in to allow for market disruption and contingency planning for you. 

The software is developed by Voyant an American company, founded in 2006.  They have a wholly owned subsidiary Voyant UK based in London.  Voyant is used by more than 400 financial and capital management firms around the World including household names like Lloyds Bank and AXA. 

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. 

At Four Oaks Financial Services, our initial consultation is at our cost.  Our Financial Advisers in Lichfield based at our office in Shenstone Wood End, would welcome the opportunity to work with you on your Lifestyle Financial Planning journey.  Contact our Client Liaison Team on 01543 401029 for more information or to make an appointment.