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  11. Oakhurst Financial Services Limited

Oakhurst Financial Services Limited

Independent Financial Adviser  Oakhurst Financial Services Ltd, Chatham, Kent, ME4 4TZ
First meeting at adviser's own cost
I am a female adviser with 21 years experience, 15 of which have been in my own company.
We can advise you on
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Annuity purchase
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Auto enrolment
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Pension consolidation
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Pension drawdown
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Pensions & divorce
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Pensions & retirement planning
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Pensions review
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Pensions transfer
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SIPPs
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Stakeholder
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Wealth management
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ISA / Unit Trusts / OEICs
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Investing for income
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Investment trusts
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OEICs
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Unit trusts
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Lump sum
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National savings
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Regular savings
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Savings for children
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School fees planning
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Critical illness
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Healthcare
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Income protection insurance
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Life insurance
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Payment protection insurance
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Small business
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Estate planning
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Taxation planning
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Corporate pension
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Employee benefits
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Group Pension/Stakeholder
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Group Protection/Life Insurance
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Group critical illness
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Group income protection
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Group life insurance
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Group private medical insurance
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Long term care
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Response rating
9.2/10
phone Show number
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FCA authorised
Last authorised 29th June 2020
Meet our advisers
Pat Hutchings Dip pFS
Director

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.

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.

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

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.

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.

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.

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.

What our clients say
We felt that Pat really understood our requirements and explained the various options available to us in a very straightforward and easy to understand manner. Pat made recommendations to us that we had not considered ourselves and made the application process very easy, in fact she took control of the whole thing and answered all our queries quickly. We received excellent advice and there was no pressure to proceed with anything we did not wish to. We found the financial planning session really useful. Pat is really friendly, approachable and easy to talk to; she listened and understood our concerns which has given us piece of mind for what the future may hold
Simon, Walderslade
Pat is a very helpful adviser. She does not have pre-determined ideas about what will work for you as an individual, Pat assesses your personal circumstances and gives advise which meets your needs not that which will make her the best income.
Charles, Rochester
Pat has been a real asset for us as a family. Shes friendly and approachable, nothing is ever to much trouble. She's helped with both personal finances and our company pension scheme/healthcare. Cannot recommend Pat highly enough.
Anna, Maidstone
About us

With new clients we carefully review their current financial situations at the first meeting at no cost. At the initial meeting we will discuss our menu of fees and obtain the clients approval before beginning work to find the most appropriate solution for your circumstances. Please telephone Mrs Pat Hutchings to arrange a fully convenient appointment to discuss any financial matter.

Our services

I have been told that I am very customer focussed, easy to approach and I make things very clear to the client. I look to save my clients money as much as possible.

Where to find us
Head office address: Oakhurst Financial Services Ltd, The Joiners Shop, The Historic Dockyard, Kent, Chatham, ME4 4TZ
Preferred clients
Minimum wealth (income/assets)
£50,000
Minimum pension value
£0
Minimum mortgage value
£0
Special offers
Choose an Unbiased exclusive special offer:
Advice methods
  • phoneButton
    Telephone
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    Face to face
Make an enquiry Request a call back Recommend to a friend
Response rating
9.2/10
phone Show number
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FCA authorised
Last authorised 29th June 2020

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