What are you
Whatever you’re working for, we know it’s not money. We believe that money is simply the fuel that enables life to happen, so by understanding the life you want, we’re able to make a plan for your money that will get you there. Our core services span 4 key areas of financial fitness, so whether you’re just starting out, or looking to switch to a new financial adviser, we’ll be able to help.
Make a plan
Using face-to-face interviews and advanced forecasting software we’ll help you understand where your finances are right now, imagine where you want to be in the future, and co-develop a roadmap that will get you there.
Throughout your financial journey we’ll actively manage your tax each year to minimise your outgoing costs. We’ll also put in place specific tax structures that will benefit you in the future and keep an eye on changing legislation so you don’t have to.
To put it bluntly, there is a lot of BS when it comes to investing! Our philosophy is proven and simple; base every investment decision on peer-reviewed academic research, keep investment fees low and ensure that every client has a robust, diversified portfolio.
Prepare for life's curveballs
No matter how secure you might think your circumstances are, there are certain ‘known, unknowns’ all of us will face. Whether it’s a dip in financial markets or a life changing health circumstance, we know that life can be uncertain. We help manage this uncertainty by ensuring that things like Wills and Trusts are in place, and that financial market wobbles are discussed and planned for.
We make a plan
Your financial plan maps out a path to your most important objectives. It starts with an overview of your current financial situation, capturing all of your assets, debt, income and expenses. You’ll get specific recommendations on where to hold your assets, how much you need to be saving and what investments to hold in your portfolio. Focussing on your goals will then help you understand what you’ll need to do to prepare for these milestones.
We avoid hunches.
We do not experiment with our clients’ money, and we do not invest based on a hunch. For most of our clients, the focus is capital preservation followed by growth, but each client has different needs and unique circumstances. We analyse all aspects of a client’s current financial situation and desired outcomes prior to selecting an appropriate portfolio.
We don't use gimmicks
Our investment committee focuses on cost-effective, after-tax results, recognising that the only performance that matters is the kind a client actually receives. We are not married to any gimmick, such as putting client money into complex or opaque products.
We don't limit client interactions.
Although our fees are lower than traditional providers for many of our clients, we do not restrict client interactions and we are always available to our clients via phone, email and web based conference calls.
Kevin has been an authorised financial adviser for over 10 years. Providing Oak Four clients with a methodical structure to consider all aspects of their financial planning needs, Kevin prides himself on articulating complex issues in a manner that makes sense.
Motivated by his desire to help people achieve the freedom to make different life choices, Kevin has a passion for financial coaching and providing clients with an extremely valuable perspective to give solutions for achieving their key goals.
Kevin is married with three children and enjoys reading and new technology. Kevin’s forward-thinking nature is also reflected in Oak Four’s desire to reduce its environmental impact.
With over 15 years financial services experience Andy established Oak Four alongside Kevin; both directors sharing the same vision of providing a clear, forward thinking and lifelong financial planning service.
Andy oversees the technical accuracy of the company's operations, ensuring that Oak Four consistently delivers on its promises and implements advice in a smooth and timely manner.
In his personal time Andy is a competitive cyclist and enjoys spending time with his young family.
Julie joined us from a large financial planning business having lead the technical team for several years. Having enjoyed her time there Julie’s aspiration was to continue her personal and academic development in Financial Planning. She is now on her way to Chartered status!
Her diligence and attention to detail have been great assets to the team and is demonstrated with her desire to help others. Julie really understands the meaning of placing our clients at the heart of what we do.
Outside of work
Being outside, keeping fit and healthy are Julie’s objectives when planning her free time. At the weekends Julie has to balance her competitive fitness pursuits with spending time with her family.