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Croft and Oakes Chartered Financial Planners Limited

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Croft and Oakes Chartered Financial Planners Limited

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Expert, Independent, Honest advice covering all areas of Financial Planning. Specialising in Investment, Trust and Tax Planning.

15/10/2026

High levels of Continued Professional Development form a key part of our roles as financial planners and both as a company and individually.

We were pleased that the Shropshire PFS Autumn Roadshow conference was being held in Telford and our team were invited to attend.

Three of our advisers were able to go and the feedback they have given us about the presentations they received is very positive.

We’re looking forward them feeding back to us at our next Team Meeting.

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13/10/2026

Why consolidating your pensions could be more important than it has been previously from April 2027

From 6 April 2027, most unused pension funds and pension death benefits will be brought into your estate for Inheritance Tax (IHT) purposes.

And this could make life considerably more complicated for your executors.

If you have several pensions with different providers, and potentially different nominated beneficiaries, your executors may need to track them all down, establish their values and gather the information needed to calculate whether IHT is due.

With responsibility for reporting and paying any IHT due falling on personal representatives, getting everything right could become a real administrative minefield. There are also potential complications around who pays the tax and when, with personal representatives potentially facing personal liability if their responsibilities are not handled correctly.

Could consolidating your pensions make things simpler?

Bringing pensions together, where appropriate, could make your retirement savings easier to keep track of and potentially simplify matters for your loved ones when you die.

Consolidation is not right for everyone, and some pensions have valuable benefits that could be lost by transferring. But with April 2027 approaching, now is a good time to review what you have, where it is held and who you have nominated to receive any benefits.

At Croft & Oakes, we can help you understand your options and consider what is right for you and your family.

📞 01952 897377

📧 [email protected]

🌐 www.croftandoakes.co.uk

📍 Stafford Park 4, Telford Business Development Centre

Important information: This post is for general information only and does not constitute financial, tax or legal advice. The information is based on legislation and guidance available at the time of writing and may be subject to further clarification. Tax treatment depends on individual circumstances and may change. Pension transfers are not suitable for everyone and may result in the loss of valuable guarantees or benefits. You should seek appropriate professional advice before making any decisions. The value of investments can fall as well as rise, and you may get back less than you invest.

10/10/2026

A snippet from the seminar we held for local Solicitors and Accountants on the upcoming changes relating to Pensions and Inheritance Tax from April 27.

09/10/2026

Would you hand over your house keys to someone without checking who they are? 🔑

Probably not.

So why should choosing someone to look after your finances be any different?

A little due diligence can tell you a lot about who you’re trusting with something as important as your financial future.

Here are a few things worth checking:

✅ Are they FCA regulated?
You can check the FCA Register to make sure the firm and adviser are authorised.

🔎 Are they independent or restricted?
Find out whether they provide independent advice, restricted advice, or operate as part of a network. It’s worth understanding what this means and the scope of the advice they can provide.

⭐ What do their clients say?
Google Reviews and VouchedFor can give you an insight into other people’s experiences.

👋 Who are they and how do they work?
A firm’s website and social media can give you a feel for its people, experience and approach to financial planning.

At Croft & Oakes, we’re independent and directly authorised by the FCA, giving us the freedom to consider the whole of the relevant market when providing advice.

We also offer a free, no-obligation initial meeting. It’s an opportunity to talk about your circumstances and goals, ask questions and, importantly, decide whether you feel comfortable with us and whether we’re the right fit for you.

Because when it comes to your finances, trust matters.

Take the time to check who you’re letting in. 🔑

08/10/2026

Pensions, IHT, Canapes, Fizz and Great company, what could be better!

24 hours on, we have been reflecting on how much we enjoyed the seminar we hosted Theatre Severn.

The focus was on the changes that come into force from April 2027 with regards to pensions being included in a persons estate for inheritance tax. These changes are significant and could have a real impact on our clients if they do not get the right support and advice.

To try and support our fellow accountants and solicitors we put on the evening with a detailed presentation that helped improve the attendees understanding. The feedback has been really encouraging.

Huge thanks to everyone who attended and we hope this will be the first of many.

If you or someone you know if concerned about he changes to pensions and inheritance tax then please do get in touch and one of our team would be very happy to help you.

Call: 01952 897 377
Email: [email protected]

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07/10/2026

**Not all inheritance tax solutions need 7 years to work**

When it comes to Inheritance Tax (IHT) planning, many people assume the only option is to gift assets and survive seven years.

But that isn’t the case, here is one example below.

Business Property Relief (BPR) can, in the right circumstances, provide an alternative approach.

It may be worth considering for those who:

• Have a significant potential IHT liability
• Don’t want to rely on the seven-year gifting period
• Want to retain access to their capital
• Want to explore alternatives to gifting into trust

One of the key attractions is that qualifying investments can potentially benefit from 100% IHT relief after two years, subject to the relevant rules and conditions.

At Croft & Oakes, our approach is cautious and considered. We focus on established solutions, diversification and liquidity rather than simply chasing investment returns.

BPR isn’t about maximising growth. It’s about using an available tax relief to potentially reduce an IHT liability while retaining access to capital.

There is no one-size-fits-all approach to IHT planning. The right strategy depends on your circumstances, objectives and attitude to risk. We very carefully consider your full situation and needs before making a recommendation.

If you would like someone to advise you on your situation please contact us on:
📞 01952 897377
📧 [email protected]

⚠️ Important information:
The value of investments can fall as well as rise, and you may get back less than you invest. BPR eligibility is dependent on the underlying investment and applicable legislation, which can change. Tax treatment depends on individual circumstances and tax rules. BPR investments can involve higher levels of investment risk and may not be suitable for everyone. You should seek professional financial advice before making an investment decision.

This post is for information purposes only and does not constitute personal financial advice.

06/10/2026

Our Financial Planners are Excellent! 😊

They have been awarded certificates of excellence again by Vouchedfor.

We are so pleased to see their hard work and dedication being recognised.

03/10/2026

Big enough to cope, Small enough to care!

One of our team used this phrase to describe why, in their opinion we are the perfect size for a financial planning company to be perfectly placed to give excellent care to our clients.

We have enough financial planners and team members to ensure that even if the person you usually deal with is unavailable, then someone else can step in to help you.

BUT equally our clients are not just a number in a spreadsheet, we are a small enough company for you to have continuity of office staff and contact, without waiting on hold for ages. For example, when you call the office it is answered by one of our small but carefully chosen admin team, not an AI bot or big switchboard in sight!

Here is a lovely photo of one of our brilliant admin Team Laura.

If you’d like help with your finances where you feel like you’re a lot more than just a number but also that you have confidence there is a back up if your usual person is unavailable then please get in touch.

Call 01952 897 377
Email [email protected].

Verity Corbett Dip PFS - Independent Financial Planner.

02/10/2026

Something exciting is happening at Croft and Oakes soon, we can’t wait both for the event and to tell you all about it.

Next week we are putting in a very special evening in preparation for the significant changes to pensions and inheritance tax that are coming into effect from April 27.

More info to follow but it was great having a run through at our offices this afternoon.

01/10/2026

Between our advisers, we have over 190 years of combined experience in financial planning. We haven’t included our admin, compliance and paraplanning team in that. But what does that actually mean for our clients?

Well, it’s not really about the number itself.

It’s about everything that sits behind those years — the breadth of situations we’ve encountered, the different challenges we’ve helped clients navigate, and the many different financial goals and circumstances we’ve worked with.

Over time, that experience builds knowledge. It gives us a wider perspective and helps us recognise things that might not always be immediately obvious.

And we don’t keep that experience to ourselves.

Where it can benefit a client, we work together as a team, sharing our knowledge, experience and expertise to make sure we’re bringing the right perspectives to the table.

So, whilst 190+ years might sound like an impressive number, what really matters is the experience, knowledge and collaboration that sit behind it.

That’s what we believe makes a difference to the clients we work with.

Address

Suite 7 Business Development Centre, Stafford Park 4
Telford
TF33BA

Opening Hours

Monday	8am - 7:30pm
Tuesday	8am - 7:30pm
Wednesday	8am - 7:30pm
Thursday	8am - 7:30pm
Friday	8am - 7:30pm
Saturday	8am - 7:30pm

Website

http://www.croftandoakes.co.uk/

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