Financial process

At HB&O Financial Services, we'll listen to and understand what you are seeking to achieve from your financial arrangements.

Then we'll provide expert advice to put in place realistic strategies, tailored to your needs and attitude to risk and designed to help you achieve your goals. We do this through our five step process.

Step 1 - Getting to know you

We will work with you to build up a complete picture of you and your family circumstances, your financial situation, your attitude to risk and your goals. We'll also look at your existing financial arrangements.

Step 2 - Planning your financial future

Guided by your complete personal picture, we will analyse your needs in detail, so that we can best advise you on how you can move from where you are now to where you would like to be in the future.

Step 3 - Creating your financial strategy

We'll research and evaluate a comprehensive range of financial products and services appropriate to your needs and attitude to risk.

Step 4 - Reviewing and finalising your strategy

We'll make our recommendations and talk everything through with you, so that you fully understand all aspects of what is involved, before you finalise your strategy.

Step 5 - Implementing your financial strategy

Once your financial strategy is in place, we'll keep in touch, to make sure that your arrangements keep pace with your needs and changing circumstances, and to offer you the opportunity for regular reviews.

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

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.

Protection

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

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.

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.

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.

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.