Chartered Financial Planners

Chartered Financial Planners must have at least five years' relevant professional experience and have successfully completed a suite of advanced professional qualifications. They must also commit to ongoing professional development.

Awarded by the Chartered Insurance Institute, Chartered Financial Planner status is recognised as the gold standard for financial planners and is held by fewer than 2,500 advisers, representing the top five per cent of their profession.

HB&O Financial Services have been awarded the prestigious Chartered Financial Planners designation by the Chartered Insurance Institute (CII), the world's largest insurance and financial services professional body. This means that we have satisfied rigorous criteria for professional qualifications and ethical good practice, to give you complete confidence in the quality of our advice and the strength and depth of our approach.

Equity release

An equity release arrangement can be a useful option for freeing up some of the money tied up in your home when you need extra cash.

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 …

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.

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.

Protection

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

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.

Long term care

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

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.