Oak Financial Management (MCR) Ltd
9th December 2019
We provide you with clear, friendly, professional retirement and investment advice, including helping you with the complex new pension freedoms
We can advise you on
-
Pensions & retirement
- Annuity purchase
- Auto enrolment
- Pension consolidation
- Pension drawdown
- Pensions & divorce
- Pensions & retirement planning
- Pensions review
- Pensions transfer
- SIPPs
- Stakeholder
-
Mortgages
- Equity release
-
Financial planning
- Wealth management
-
Investments
- Ethical investments
- ISA / Unit Trusts / OEICs
- Investing for income
- Investment trusts
- OEICs
- Offshore investments
- Socially responsible investments
- Unit trusts
-
Savings
- Lump sum
- National savings
- Regular savings
- Savings for children
- School fees planning
-
Insurance & protection
- Critical illness
- Healthcare
- Income protection insurance
- Life insurance
-
Tax & trust planning
- Capital gains tax
- Estate planning
- Income tax
- Taxation planning
-
Business
- Corporate pension
- Group Pension/Stakeholder
- Group Protection/Life Insurance
- Group critical illness
- Group income protection
- Group life insurance
- Group private medical insurance
-
Long Term Care
- Long term care
Meet our advisers
Phil Birchanall Dip PFS
Senior Financial Planner
Qualifications & Accreditations
R02 - Investment Principles (CII)
This qualification assesses a knowledge and understanding of investment products and the application of the investment advice process.
R03 - Personal Taxation (CII)
This qualification assesses a knowledge and understanding of the UK taxation system, and the ability to analyse the taxation treatment of individuals and trusts during the investment advice process.
R01 - Financial Services, Regulation and Ethics (CII)
This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.
Dip PFS - Personal Finance Society Diploma (PFS)
To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.
R04 - Pensions and Retirement Planning (CII)
This qualification assesses a knowledge and understanding of an ability to analyse pension and retirement planning issues.
SV1 - Saving and Investment (CII)
This examination assessed the knowledge and understanding of economic factors that affect risk from different investments, product features and regulatory framework of retail investments, taxation liabilities and portfolio planning.
J05 - Pension Income Options (CII)
At the end of this unit, candidates should be able to demonstrate an understanding of the: process of decumulating pension funds and the main issues for clients and advisers; main choices facing members of pensions schemes during decumulation; features, risks and tax treatment of the secured pension option; features, risks and tax treatment of the unsecured pension option; features, risks and tax treatment of phased retirement; features, risks and tax treatment of the alternatively secured pension option.
J04 - Pension Funding Options (CII)
At the end of this unit, candidates should be able to demonstrate an understanding of the: main tax and legal frameworks that govern the accumulation phase of building up retirement benefits under registered pension schemes; features of defined contribution and defined benefit pensions; choices faced by early leavers and use of transfer value analysis; State retirement benefits available, including the risks and suitability of contracting out of the State Second Pension.
R08 - Pensions Update Programme
This qualification assesses a knowledge and understanding of recent pension reforms and how the changes impact at-retirement advice.
AF7 - Pensions transfers (CII)
This qualification accesses the specialist knowledge and skills needed for advising on the transfer of safeguarded benefits
Martin Blackman FPFS
Chartered Financial Planner
Qualifications & Accreditations
FPFS - Fellow, Personal Finance Society (PFS)
To achieve the Fellowship grade, individuals would be required to have 10 AFPC (Diploma) units or equivalent. This shows a commitment to continuous professional development.
CF9 - Pensions Simplification (CII)
This examination assesses a knowledge and understanding of the Government’s simplified pension taxation regime which came into full effect on 6 April 2006 (A-Day). Eight tax regimes for pensions were reduced to one, radically affecting planning and transactions.
J03 - The Tax and Legal Aspects of Business (CII)
At the end of this unit, candidates should be able to demonstrate an understanding of: the main legal forms of business and how they are set up and managed; the consequences of bankruptcy or insolvency; business accounts and financial controls; the taxation of each type of business entity, its owners and employees; the main legal responsibilities businesses have to employees, suppliers and customers.
AFPC - Advanced Financial Planning Certificate (CII)
In order to have completed this qualification, individuals were required to obtain three units. These could have been selected from any combination of the available units at that time but must have included the compulsory G10 unit - Taxation and Trusts.
Chartered Financial Planner (CII)
Having achieved the APFS designation, advisers can go onto to achieve this recognisable benchmark of quality and ethical practice for financial services professionals, elevating financial planning and advice in the public eye to the same standing as other Chartered professions. The holder must demonstrate a combination of experience, financial qualifications, ongoing educational activity (continuous professional development) and ethical behaviour.
G60 - Pensions (CII)
This examination enhanced general pension knowledge, particularly in pension transfers and opt-out business.
CF7 - Certificate in Lifetime Mortgages Activities (CII)
This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, lifetime mortgage products, repayment options and the giving of mortgage advice.
AF5 - Financial Planning Process (CII)
This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.
AF4 - Investment Planning (CII)
This examination assesses the candidate to develop in depth financial planning skills related to investments and the management of investment portfolios.
AF1 - Personal Tax and Trust Planning (CII)
This examination assesses the candidate to develop in depth financial planning skills related to personal tax and trusts.
HR1 - Home Reversion Plans (CII)
This examination assesses a knowledge and understanding of the legislative and regulatory position of home reversion plans and their place in the advice process.
J05 - Pension Income Options (CII)
At the end of this unit, candidates should be able to demonstrate an understanding of the: process of decumulating pension funds and the main issues for clients and advisers; main choices facing members of pensions schemes during decumulation; features, risks and tax treatment of the secured pension option; features, risks and tax treatment of the unsecured pension option; features, risks and tax treatment of phased retirement; features, risks and tax treatment of the alternatively secured pension option.
CF6 - Certificate in Mortgage Advice (CII)
This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.
CF8 - Certificate in Long-Term Care Insurance (CII)
This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, long term care insurance products and the giving of long term care insurance advice.
J01 - Personal Tax (CII)
At the end of this unit, candidates should be able to demonstrate an understanding of: the basic structure of the tax system and self-assessment; the main taxes on income and capital that may be charged on individuals, the self-assessment system and how tax liabilities are computed; impact of residence and domicile on an individuals liability to UK tax.
R08 - Pensions Update Programme
This qualification assesses a knowledge and understanding of recent pension reforms and how the changes impact at-retirement advice.
Accreditations
What our clients say
I met with Phil recently for independent financial advice. I needed to make a financial decision which was making me anxious as I really didn't know what was the right course of action.
Phil was extremely patient and knowledgeable in offering 'down to earth advice'. He can explain complex information with clarity and appears genuinely very enthusiastic about his work. Highly recommended.
Phil was excellent at explaining everything in terms that I could understand, which put me at my ease and gave me confidence to comfortably make decisions about the information we discussed.
His charming personality made the meeting a pleasant experience and I will not hesitate to recommend his services to my friends and colleagues.
We would like to thank Martin and your staff for all the work you have put into setting out our retirement plans and meeting our wishes. We chose you for your professionalism and expertise in retirement planning from our first meeting with you.
If we should need any further financial planning we'll be only too pleased to use your services again and will highly recommend you to anyone that may ask our advice on finding financial advice about retirement.
Martin listens and discusses an individuals unique needs. He has an understanding of my own circumstances and an excellent retention of information. Martin provides honest guidance and provides all of the necessary information for me to make an informed and individual decision. Martin is also excellent at explaining what for me can be quite confusing matters in a more simple and easily understood scenario. I feel confident that I am receiving valid and independent advice and most importantly never ever feel pressurised to buy any specific products that I feel inappropriate.
Martin researches and ascertains our needs.
Provided us with information regarding our attitude to risk.
Clearly advises on our options in a way that is easy to understand.
Explains and answers all our queries that enable us to make educated choices in a friendly and approachable way.
Phil was very helpful. His advice was easy to understand and he explained everything very clearly. He didn't use jargon and he took time to answer any questions I had.
I would definitely recommend him.
Where to find us
14 Clover Drive, Knutsford, Cheshire, WA16 0WF
Make an enquiryAbout us
Specialising in retirement and investment planning including the protection of your wealth and assets.
We will aim to build a mutual trust and if you are investing, a long lasting business relationship with you. We avoid jargon and help you create a plan which will benefit you throughout your lifetime.
You will receive a confidential, professional and personal service from a qualified financial planner with over 30 years experience.
We combine the services of highly regarded research/rating companies and use the latest award winning technology which will allow you to access your own secure website, enabling you to monitor all your investments.
Our services
RETIREMENT PLANNING
1, Pre-retirement:- Advising on retirement plans eg. Personal Pensions, Self Invested Personal Pensions, Group Personal Pensions.
FCA permissions to advise on the whole range of pension schemes. Specialist advice regarding Pensions & Divorce.
2, At retirement:- Advising on the retirement options from your pension fund - How do the complex new pension freedom rules affect you?
3, Post retirement:- This is a diverse area that includes maximising income from existing investments in the most tax efficient manner. Specialist advice on releasing cash from your property.
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