Croft and Oakes Chartered Financial Planners Limited

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Croft and Oakes Chartered Financial Planners Limited Expert, Independent, Honest advice covering all areas of Financial Planning. Specialising in Investment, Trust and Tax Planning.

📚 Keeping our knowledge up to dateFinancial planning is constantly evolving, with rules, regulations and opportunities c...
23/10/2026

📚 Keeping our knowledge up to date

Financial planning is constantly evolving, with rules, regulations and opportunities changing all the time. That’s why ongoing professional development (CPD) is such an important part of what we do at Croft & Oakes.

In the last week, our financial planners Jessica, Marc and Verity, and our Compliance Director Naomi, have attended the PFS Autumn Roadshow, organised by our professional body.

It was a really interesting day, with insightful talks from experts in their fields and plenty of opportunities to discuss the topics and share ideas with fellow professionals.

For us, CPD isn’t just about ticking a box. It’s about continually developing our knowledge so we can provide our clients with informed, up-to-date financial planning advice they can trust.

Verity Corbett Dip PFS - Independent Financial Planner.

🐎 What if you’re looking for a faster horse, when what you really need is a car?Henry Ford is often associated with this...
22/10/2026

🐎 What if you’re looking for a faster horse, when what you really need is a car?

Henry Ford is often associated with this idea, and it’s just as relevant to financial planning today.

We can only make decisions based on what we know. As independent financial planners, we can help you explore options you may never have considered, so you can make informed decisions about your financial future.

Sometimes, the best advice is showing you what you didn’t know was possible.

📸 And for those wondering, that’s our very own Verity Corbett, one of our financial planners, clearing a jump on her horse!

📞 01952 897377
✉️ [email protected]
🌐 www.croftandoakes.co.uk

So proud to sponsor this wonderful Shropshire venue.
21/10/2026

So proud to sponsor this wonderful Shropshire venue.

High levels of Continued Professional Development form a key part of our roles as financial planners and both as a compa...
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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Why consolidating your pensions could be more important than it has been previously from April 2027From 6 April 2027, mo...
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.

Would you hand over your house keys to someone without checking who they are? 🔑Probably not.So why should choosing someo...
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. 🔑

Pensions, IHT, Canapes, Fizz and Great company, what could be better! 24 hours on, we have been reflecting on how much w...
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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**Not all inheritance tax solutions need 7 years to work**When it comes to Inheritance Tax (IHT) planning, many people a...
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.

Our Financial Planners are Excellent! 😊 They have been awarded certificates of excellence again by Vouchedfor. We are so...
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.

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

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