Gareth Stubbs - Financial Adviser

29/02/2024

Wow! The testimonials that followed Malcom Bembridge’s first ten minute presentation this morning said it all.
Not only does do a damn fine job on roofs and gutters, he also enjoys competing in road races, cycling events and triathlons. Malcolm is someone who keeps fit and takes his chosen charities to heart.

An honest roofer who knows his stuff and works on the basis of trust and truth.

Malcom set up his company MB Roofing and Property Maintenance in 2003. He covers a wide area around the West Midlands and everyone you speak to who has used his services, talks about how good he is.
Using the best materials, bringing in his years of experience, Malcolm will quickly assess what needs doing. He knocks spots off some of the ‘wide boys’, often showing that a job is far less complicated than is being made out. One that can be done in a shorter time with sounder results. Often far cheaper too.
Malcolm and the team will undertake roof surveys, giving you complete peace of mind that you know the job is going to be thorough and completed to the very highest of standards.
They will:-
*Replace guttering, UVPC facias, etc.
*Reline and repair flat roofs.
*Repair where broken tiles, coving etc., are evident.
*Fully replace a roof.
*Address roof ventilation where that has been neglected.
*Work on chimneys.
*Complete lead work.
*Work on property maintenance.

MB Roofing will work with specialist/historical buildings complying with preservation societies. They have won awards for their work and will work safely in most weather conditions.
They really do know their stuff.

You can contact Malcolm on 07973 347422

or check out his website on
MB Roofing | Roofing and Property Maintenance

mb-roofing.co.uk
https://www.mb-roofing.co.uk

Keep his number to hand; you never know when it may be useful.

29/02/2024

Alongside taxes, relationships, buying a house and building a business, one of the most difficult things in life is knowing how to look after our money!
There can be so many conflicting ideas and schemes that it is often hard to see the wood for the trees and to know who to turn to.

As a consequence, many of us put off doing anything.
Not a good idea.

That is where Gareth Stubbs comes in; the self-effacing financial advisor who we know we can trust. Gareth is part of a highly skilled team of Financial Advisors at Four Oaks Financial Services supported by a large office team of researchers and administrators to deliver quality service to their clients. All very well qualified and who stake their reputation on the quality of the advice they offer.

Gareth has the additional strengths of having worked in both the family construction business as well as other local companies. He understands people and the world of work.
As a good listener, Gareth not only finds out what our financial goals are, he is able to remind us of the underlying principles of good financial health, making sure we are on the right path for both financial security and future retirement.
Planning and regular checking are all part of the service, ensuring that our savings and investments are doing what was intended.

Covering a wide range of financial services, Gareth can help us make sure we have:
*emergency funds.
*pension savings.
*appropriate tax wrappers.
*retirement planning.

In addition, Gareth can assist with investments, inheritance planning, protection and employee benefits for businesses.
At Four Oaks Financial Services, Gareth and the team use cash flow modelling which enables us to see visually if we are on track, need to make adjustments or perhaps need to spend more!!

With his avid love of distance cycling and running, Gareth knows that a life should be lived to its full potential, with a good balance between work, family and fun.
Having a financial advisor who is trusted and holds strong ethical values, means that we are reassured he has our best interests at heart.

Gareth is particularly looking to help those:
*In their 40-50’s who have woken up to the realisation that some planning is needed sooner rather than later.
*People who are just starting out and for whom the whole world of financial advice may be misunderstood or thought to be irrelevant.
*Medium size employers who want to bring in financial advice as a staff benefit.

Many in the group use Four Oaks Financial Services for their personal and business financial advice. Their testimonials today were heartfelt.

You can contact Gareth on 07972 891175 or email him on [email protected]
It is always worth a chat. Time could be running out!

25/02/2024

Dive into our January 2024 Economic Review! From the UK's economic bounce-back to surprising inflation trends, and more. Visit the link below for a detailed analysis.

https://fouroaksfs.com/economic-review-january-2024/

Your financial journey starts here. 💼📈

23/02/2024

At Four Oaks Financial Services, we've got your back for retirement planning, whether you're nearing the finish line at work or the weekday alarms have you pondering your options. Let's craft a plan tailored just for you.

Get in touch with us today:
💻 https://fouroaksfs.com/retirement/
✉️ [email protected]
📞 0121 323 2070

Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited. 01/02/2024

14/02/2024

Winter mornings making your commute a frosty challenge? Imagine a retirement where you bid farewell to icy roads and chilly commutes. Let's plan for a retirement that warms your days!

Get in touch with us today:
💻 https://fouroaksfs.com/retirement/
✉️ [email protected]
📞 0121 323 2070

Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited. 01/02/2023

23/11/2023

In his much-anticipated Autumn Statement, the Chancellor of the Exchequer has announced tax cuts for millions in the UK in a bid to drive economic growth.

Here are five main announcements that will impact your finances as we head into next year:

1. Cuts to National Insurance for the employed and self-employed

The headline rate of National Insurance for employed people has been reduced by 2%. The Chancellor also announced a tax cut and simplification of National Insurance Contributions (NICs) for the self-employed. This includes abolishing an entire class of NICs and cutting the top rate of NICs from 9% to 8% – with an average total saving of around £350 for someone earning £28,000 a year. However, frozen income tax thresholds mean that the true benefit of these cuts remain relatively minor.

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2. The state pension and benefits will continue to increase in the same way

Many pensioners and those on low incomes will be relieved that the Government will continue to use the existing measures to increase the state pension and benefits. This means next year’s full state pension* will increase to £221.20 per week, or £11,502.40 per year. This level of uplift follows the inflation-matching boost of 10.1% that saw the 2023/24 state pension rise to £203.85 a week, or £10,600 annually. Similarly, benefits will be increasing by 6.7%.
*for those reaching state pension age from 6 April 2016

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3. People allowed multiple ISA subscriptions of the same type

The Chancellor has unveiled plans allowing people to have multiple ISA subscriptions of the same type every year. Starting from April 2024, this will enable people to shop around to get the best rate.

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4. Pension pot for life policy

Currently, eligible new employees must be automatically enrolled into a pension scheme of their employer’s choosing. The Chancellor announced a pension ‘pot for life’ proposal, which will change this by ensuring the pension pot can move with the employee from job to job. This could help people avoid having multiple small pensions.

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5. Extension of the mortgage guarantee scheme to 2025

The mortgage guarantee scheme offers lenders the financial guarantees they need to offer 95% mortgages (with the buyer paying a 5% deposit) on a house worth up to £600,000. The scheme was due to close to new accounts on 31 December 2023, but the Chancellor has announced an extension until June 2025.
Despite several large announcements, there were no announcements in areas such as inheritance tax reform, stamp duty changes, and the creation of a British ISA. These may all be areas of change for the Budget in 2024.

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If you have questions on how these changes will affect your personal finances, you should seek advice from a financial adviser. If you don’t already have one, we can help.

For more information, please visit:
https://www.quilter.com/

11/11/2023

Budgeting can help create you and your family financial stability. Writing and following a spending plan makes it easier to spend, save and build an emergency fund. In these difficult times, a budget can provide peace of mind for day to day and long-term spending.

One of our dedicated Financial Advisers, Matt Rogers, recommends a budgeting plan to all his clients. This template can help you stick to plans and keep your financial goals on track.

For more information on budgeting, visit our website www.fouroaksfs.com or call our team on 0121 323 2070.

Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited. 09/10/2023

09/10/2023

Home ownership can be one of the most rewarding experiences of your life.

Whether you’re looking to purchase your first or subsequent home, or take the next step on the housing ladder, it’s an exciting time, knowing that you’re in the right place financially to make the move.

Get in touch with us today:

💻 https://fouroaksfs.com/mortgages
✉️ [email protected]
📞 0121 323 2070

Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited. 23/03/2023

17/06/2023

After getting to know your dreams and plans, your Financial Adviser will create a bespoke cashflow report to show you how much you will need in your retirement.

Each report is individual and designed to give a unique outcome, planning along the way for expected and unexpected costs that may occur, so you know you will have enough in the pot when the day comes to relax and enjoy your retirement.

To discuss further & to plan your retirement, get in touch with us today:

💻 https://fouroaksfs.com
✉️ [email protected]
📞 0121 323 2070

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Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited. 16/05/2023

03/01/2023