Financial services

We are a highly qualified team of Independent Financial Advisers, Para-planners and Administrators. Our experienced team has over 200 years of collective experience. We are all committed to on-going professional and personal development to ensure we can offer the very best care and service at all times. Indeed, our success, unbroken record of service and continued growth are the result of our emphasis on exceptional client care. For this reason we are regularly recommended by our existing clients.

We have been awarded the prestigious Chartered Financial Planners designation by the Chartered Insurance Institute (CII). This is the industry's gold standard for firms of Financial Planners and demonstrated that we have satisfied rigorous criteria relating to professional qualifications and ethical good practice.

If you would like further information or a no cost/obligation meeting, please contact a member of our team

lATEST NEWS

Wealth Knowledge Newsletter - This month we talk about funding your retirement, then on to mortgages and protection insurance .. Read more

Tax Update: Employee Benefits - Offering an attractive and tax-eficient remuneration and beneits package can help you to recruit and retain high-calibre employees. This guide examines some of the employee beneits that are available .. Read more

Investment Update - Capital gains tax and investments - Just like income tax, capital gains tax can reduce the gain on the disposal of your investments. This guide explains how, including some ways you could reduce your liability.. Read more

Inheritance tax

When you've worked hard during your life, you want the wealth that you've created to benefit the people that are important to you when you are no longer around.

Company financial planning

Whatever the size or sector of your business, it makes sound business sense to develop and maintain the financial security of the organisation, its directors and employees.

Long term care

As life expectancy increases, so does the number of people who may require long-term care as they grow older.

Investment advice

You work hard for your money and you want to put it to work for you too, whether you want to receive the benefits in the short or medium-term or much further ahead.

Bespoke director pensions

When you are running a business, you may sometimes wish that money tied up in your pension scheme could be put to use to help your enterprise develop and grow.

Wealth management

Through our Wealth Management Service we can help you approach your future with confidence and say on track to achieve your goals …

Protection

Making sure that your family is financially secure, whatever challenges life might bring, is important to you.

Tax strategies

In whatever HB&O Financial Services do for you, a key aspect of the advice you receive will be to maximise your after-tax position.

Retirement planning

When the state pension was introduced in 1908, the average life expectancy was in the mid-40s. Today, the average life expectancy for women is around 82 and 78 for men.