Downloads

To view these forms you need Adobe Acrobat Reader installed on your PC. You can install this for free by clicking here Download Adobe Acrobat Reader

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.

Protection

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

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.

Long term care

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

Wealth management

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

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.

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.

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.

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.

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.