Fees

HB&O Financial Services is a fee based practice. We believe that anyone who offers advice should be fully impartial to providers and provide the best advice relative to the clients needs & objectives. We offer an initial free consultation and discovery meeting which will generally last about one hour. The purpose of this meeting is to understand the nature of any work you want us to undertake and the services and benefits offered by HB&O.

Our fees are calculated on the basis of the value we deliver, expertise we utilise, time we take and complexity of the work involved.

Fees & Costs:

Auditing & advising on your future financial strategy - from £500

Implementation - maximum 3% of the funds under advice

Wealth Management Service - maximum 1% per annum of the funds under advice

Implementation fees and commissions can be used to supplement or completely offset the costs of both the audit & advice stage.

Please see our 'KeyFacts' document for further information.

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

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.

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.

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.

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.

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.

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.