Croft and Oakes Chartered Financial Planners Limited

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

When Should I See a Financial Planner?The simple answer? Any time is a good time.There is never a bad time to have a fin...
01/06/2026

When Should I See a Financial Planner?

The simple answer? Any time is a good time.

There is never a bad time to have a financial health check. Just as you would regularly review your physical health, it’s important to review your financial wellbeing too.

That becomes even more important when you’ve experienced a significant life event, such as:

✔ Starting a new job or changing career
✔ Approaching retirement
✔ Getting married or entering a civil partnership
✔ Going through a divorce or separation
✔ Receiving an inheritance
✔ Selling a business
✔ Receiving a pension lump sum
✔ Becoming a parent or grandparent

Life rarely stands still, and neither do your finances. Your circumstances, goals and priorities can change over time, while legislation, tax rules and pension regulations continue to evolve. What was the right strategy five years ago may not be the most suitable one today.

Having regular financial reviews can help ensure you remain on track towards your objectives and make informed decisions as your situation changes.

As a Chartered and Independent Financial Planning firm, Croft and Oakes is able to provide expert, unbiased advice tailored to your individual circumstances. Whether you’re planning for retirement, looking to protect your family, invest for the future or simply want reassurance that you’re making the right decisions, we’re here to help.

📞 01952 897377
📧 [email protected]



Important Information

The value of investments can go down as well as up, and you may get back less than you invest. Pension values are not guaranteed and can fall as well as rise. The value of pensions may be affected by investment performance, charges, taxation and legislative changes. Tax treatment depends on individual circumstances and may change in the future. Financial planning and investment advice should be sought before making any financial decisions.

Do you understand your pension?With the introduction of auto enrolment, most people now have at least one pension. Howev...
31/05/2026

Do you understand your pension?

With the introduction of auto enrolment, most people now have at least one pension. However, because pensions are often something that happens in the background, many people don’t fully understand what they have, how it is invested, the level of risk involved, or the charges they are paying.

Pensions have also changed significantly over time. More modern pension arrangements may offer retirement options that older pensions do not, such as flexible access to your pension savings and a wider range of investment choices. These can include opportunities to benefit from managed portfolio services or discretionary fund managers, helping to ensure your investments are aligned with your goals and attitude to risk.

Having your pension in the right place for your needs can help you feel more informed, reassured and confident about your pathway to retirement. Understanding your pensions is an important step towards making better financial decisions for your future.

If you would like help from an independent Chartered Financial Planning company to make sense of your pensions and ensure they are right for your needs, please get in touch. One of our eight excellent Financial Planners will be happy to help.

📞 01952 897377
📧 [email protected]



Capital at risk. The value of investments can go down as well as up, and you may get back less than you invest. Pension values are not guaranteed and can fall as well as rise. The value of your pension can be affected by investment performance, charges and changes in legislation and taxation. Pension and tax rules may change in the future and depend on your individual circumstances. Transfers and withdrawals from pensions may not be suitable for everyone and could affect your benefits. Financial advice should be sought before making any decisions.

Have you had your inheritance tax liability calculated recently?Many people have spent years building successful busines...
27/05/2026

Have you had your inheritance tax liability calculated recently?

Many people have spent years building successful businesses, growing investment portfolios and accumulating valuable pension funds… but have never stopped to calculate what the eventual Inheritance Tax bill could look like.

For some families, the liability can now be significantly higher than expected, particularly following years of investment growth, rising property values and changes to the treatment of pensions from April 2027 within estate planning discussions.

Additionally changes to your family circumstances can make a difference, are you divorced, widowed or living together but have never married. If you are widowed previously have you remarried as all these things can make a difference to the options and allowances you have available to you and what is likely to be the right course of action.

We are increasingly speaking to people who arranged planning years ago, but have not revisited the figures to include:
• Increased asset values
• Larger pension funds
• Additional properties or investments
• Changes to tax rules and allowances

A recalculation can often be eye-opening and can help identify opportunities to reduce the eventual tax burden for your family.

At Croft & Oakes, we help clients understand their current position and explore practical planning options to help preserve more of their wealth for future generations.

☎️ 01952 897377
📧 [email protected]

Do you like filling in forms and sitting on hold to your investment and pension providers?Neither do most people.While a...
26/05/2026

Do you like filling in forms and sitting on hold to your investment and pension providers?

Neither do most people.

While a big part of our role is using our technical knowledge to help create the right financial plan for you, a large part of our day is also spent dealing with the administration that comes with it too.

That means filling in forms, chasing providers, sitting on hold, speaking to the right departments, and making sure the questions you need answering actually get answered.

So many of our clients tell us how frustrating and time-consuming they find trying to deal with investment and pension providers themselves. Between long wait times, confusing paperwork and being passed from person to person, it can quickly become another stressful job on the to-do list.

One of the many ways we help is by taking that pressure off your shoulders and dealing with it on your behalf, leaving you free to focus on your work, your family, or simply enjoying your time.

If you’d like help removing one more frustrating and time-consuming task from your life, please get in touch with the team at Croft and Oakes.

📞 01952 897377
📧 [email protected]

Hope you all have a paws-itively brilliant long weekend! ☀️🐾Our newest “team members” have made it very clear that the o...
22/05/2026

Hope you all have a paws-itively brilliant long weekend! ☀️🐾

Our newest “team members” have made it very clear that the only thing on the agenda is sunshine, naps, and absolutely no emails.

We hope you all get chance to relax, enjoy the warmer weather, and spend some quality time with family and friends over the bank holiday weekend.

Please note our offices will be closed until 9am on Tuesday 26th May.

From all of us at Croft and Oakes — have a lovely weekend!

The Family Rule. At Croft and Oakes we have a simple rule in the office.Whenever we are working on a case where the so...
20/05/2026

The Family Rule.

At Croft and Oakes we have a simple rule in the office.

Whenever we are working on a case where the solution is not immediately clear or obvious, we stop and ask ourselves one important question:

“What would we recommend to our own dearest family members?”

That question helps guide everything we do. It keeps our clients’ best interests firmly at the centre of every conversation, every recommendation, and every plan we create.

Financial planning is never just about numbers on a page. It is about people, families, futures, hopes, goals, and creating reassurance during life’s important moments.

We are here to help make our clients’ lives better by supporting them with their finances, giving them confidence that they are on the right path and helping them work towards the future they want to achieve.

The truth is, we treat our clients just like family, because you are incredibly important to us.

We thoroughly enjoyed our Team outing last week at Theatre Severn.
18/05/2026

We thoroughly enjoyed our Team outing last week at Theatre Severn.

18/05/2026

Look out for our new video on display at Theatre Severn Shrewsbury, where we are the principal sponsors!

Positive Friday Post!What a fantastic way to end another busy week at Croft & Oakes — with 6 new 5⭐ reviews from our won...
08/05/2026

Positive Friday Post!

What a fantastic way to end another busy week at Croft & Oakes — with 6 new 5⭐ reviews from our wonderful clients this week alone.

Despite it only being a 4-day week, the whole team has been working incredibly hard to maintain the consistently high standards of service and advice that we pride ourselves on delivering every single day.

Whether it’s helping clients make the most of what they already have, planning confidently for the future, growing their wealth, or supporting them to spend their money in the right way for the life they want to live, every conversation matters to us.

We are incredibly proud of our financial planners and support staff for the care, professionalism, and dedication they continue to show — and extremely grateful to our clients for taking the time to leave such positive feedback.

Here’s to continuing to help people build brighter financial futures. Happy Friday everyone!

If you would like to speak to us about support with your finances, please call the office on 01952 897377 or email [email protected].

Positive Friday Post! We have had another great week here at Croft and Oakes. Our team have been busy supporting their c...
01/05/2026

Positive Friday Post!

We have had another great week here at Croft and Oakes. Our team have been busy supporting their clients both new and existing. Verity and Chris enjoyed their meeting yesterday at Theatre Severn and we now have a team outing planned to the brilliant "The Last Laugh" in a couple of weeks.

We have had a new member join our team on Monday last week and he has been very busy learning all about Croft and Oakes which has been great.

Finally we would love to celebrate this excellent review from a much valued long standing client. We do love taking on new clients and have capacity to do so within the team but it is always so wonderful seeing clients that we have looked after for many years and hearing how the last 12 months has been for them.

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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