Araemo Financial Ltd

Independent Financial Adviser  Imperial Chambers, Hereford, Herefordshire, HR4 9EP
First meeting at adviser's own cost
We have been in the industry 28 years and have a wealth of experience and this will allow you access to a independent chartered financial planner. We are based in Hereford and have clients nationally.
We can advise you on
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Annuity purchase
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Auto enrolment
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Defined benefit
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Pension consolidation
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Pension drawdown
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Pensions & divorce
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Pensions & retirement planning
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Pensions review
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Pensions transfer
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SIPPs
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Stakeholder
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Bad credit
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Building your home
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Buy my next home
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Buy to let
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Buying commercial property
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Buying first home
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Buying overseas
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Equity release
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Flexible mortgages
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High loan to value
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Mortgage protection
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Next home / Remortgaging
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Right to buy
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Self-employed mortgages
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Wealth management
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Ethical investments
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ISA / Unit Trusts / OEICs
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Investing for income
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Investment trusts
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OEICs
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Offshore investments
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Socially responsible investments
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Unit trusts
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Lump sum
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Accident & sickness
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Buildings and contents
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Commercial motor
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Critical illness
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Healthcare
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Home and leisure
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Income protection insurance
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Large business
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Life insurance
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Payment protection insurance
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Small business
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Travel
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Capital gains tax
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Estate planning
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Income tax
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Taxation planning
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Commercial mortgages
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Corporate pension
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Employee benefits
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Group ISA
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Group Pension/Stakeholder
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Group Protection/Life Insurance
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Group critical illness
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Group income protection
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Group life insurance
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Group private medical insurance
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Group risk
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Long term care
Response rating
7.0/10
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FCA authorised
Last authorised 21st April 2021
Meet our advisers
Mr Chris OMeara
Director

This qualification assessed the knowledge and understanding of the UK regulation environment in the financial services industry together with types of mortgage products and repayment options and the giving of mortgage advice.

In order to have completed this qualification, individuals were required to obtain three units. These could have been selected from any combination of the available units at that time but must have included the compulsory G10 unit - Taxation and Trusts.

To achieve the Associateship grade, individuals would be required to have 6 AFPC (Diploma) units or equivalent. This shows a commitment to continuous professional development.

This examination assessed a knowledge and understanding of the UK tax system, the law and practice of trusts, but also an ability to advise individual clients on the tax treatment of their investments and the use of trusts to meet their current and foreseeable future needs.

This examination enhanced general pension knowledge, particularly in pension transfers and opt-out business.

This examination assessed a knowledge and understanding of investments and an ability to advise individual clients on the construction of investment portfolios to meet both their current and foreseeable future needs.

This examination assessed knowledge and understanding of income generating options and applying the knowledge to retirement planning situations.

This examination assessed knowledge and understanding of the range of investments available for planning of pensions and to be able to apply the construction of a pension portfolio management for a client.

This examination assesses a knowledge and understanding of the different types of equity release products, risks to the consumer associated with equity release and application of suitable equity release solutions according to the circumstances of different customers.

This examination assesses a knowledge and understanding of the legislative and regulatory position of home reversion plans and their place in the advice process.

Accreditations
Chartered Financial Planner
What our clients say
Recommended by my accountant [of 35yrs]. Has dealt with all sorts of financial 'stuff' for me that I really did want to attempt myself, and probably could not have done myself. Can't really find fault, has always successfully done what he said he would, given sound advice, always polite and prompt. A financial adviser with morals.
Robin, Hereford
He explains everything very clearly which was important to someone like me who isn't too quick when it comes to finances, I also found him very patient when I was unsure of certain things, I have recommended to friends of mine in similar circumstances to mine, he makes a good cup of coffee as well.
Phillip, Hereford
In the shared discussion with an annuity provider, Chris knew the important questions to ask, and seemed to have a better understanding of the product than the provider did. Chris seemed much more interested in giving me useful advice than about any possible fee!
Jake, Herefordshire
While still in the early stages of our relationship, we feel confident that the advice he has given us is sound and geared to our best interests. He has spent time listening and getting to know us and our needs. We are sure that the outcomes will be designed to our best advantage
Tim, Herefordshire
As someone who doesn't understand easily, the workings of financial issues, I found that Chris O'Meara was very patient with me. Taking time to explain things clearly and at times more than once if i was becoming confused. He makes me feel safe and secure in my financial dealings which means alot to me suddenly finding myself having to deal with large amounts of money owing to the death of my husband. Chris and his company have been sympathetic and a real support to me in these very stressful last couple of years. It has been a learning curve for me and probably for Chris as he has had to start from real basics with me.
Eileen, East Sussex
We have not known Chris O'Meara very long but we have complete confidence in his ability to provide us with advice and assistance in any of the areas that form part of his company's portfolio of services. He is friendly, helpful, willing to do what is required and has a sense of humour which all contribute to a very pleasant experience when dealing with him. We wholeheartedly recommend him.
Sandra, Hereford
I visited Mr. O'Meara on the advice of my solicitor to help sort my mortgage out. He has been very helpful, and patient, as I really didn't have a clue!
Lindsey, Hereford
Chris provides clear and concise financial advise which is readily understandable. He carefullly defined the options available to me for his professional services and fees. He thoroughly appraised my existing personal and family financial management and goals before offering recommendations for a number of more beneficial products. Overall, I have found him to be very approachable and have confidence in the benefits his service will provide me in reaching my financial goals.
Andrew, Herefordshire
About us

We would be delighted to meet or speak with you to see how we may be able to help in achieving your financial and lifestyle aspirations. We will not engage with clients unless we are certain that we can add significant value. For this reason initial meetings are at our expense and no fees are ever charged until all parties are agreeable to working together.

Our services

We can research the whole of the market to find the most suitable arrangement for yourself. We also provide specialist advice in the ares of Pension Transfers, Trustee & Deputy Investments, Long Term Care and Equity Release.

Where to find us
Head office address: Imperial Chambers, 24 Widemarsh Street, Hereford, Herefordshire, HR4 9EP
Service coverage
Preferred clients
Minimum wealth (income/assets)
£100,000
Minimum pension value
£0
Minimum mortgage value
£0
Special offers
Choose an Unbiased exclusive special offer:
Offers terms
Advice methods
  • phoneButton
    Telephone
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    Online (Live chat, video, email)
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    Face to face
Compliance

Your home may be repossessed if you do not keep up repayments on your mortgage.

Response rating
7.0/10
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FCA authorised
Last authorised 21st April 2021

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