HB&O Financial Services is a firm of independent financial advisers specialising in retirement planning, wealth management and inheritance tax mitigation. We also provide advice on personal protection, long term care, equity release, mortgages and company pensions and protection.
Our five Chartered Financial Planners have been helping clients navigate complex financial markets for decades, and from those very early years our business has evolved primarily through client recommendations.
We also have a Mortgage & Protection Specialist helping our clients source funding for standard and non-standard residential mortgages, buy to let purchases and complex commercial lending.
HB&O Financial Services has 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 is the industries gold standard for financial planning companies and demonstrates that we have satisfied rigorous criteria relating to professional qualifications and ethical good practice.
At HB&O Financial Services we follow our five-step method. We get to know and understand our clients, building a healthy long lasting relationship that allows us analyse their personal circumstances, existing financial situations, their tolerance to investment risk and your important personal goals and needs.
We help them to identify how much more they can afford to spend. We also evaluate how much they might be able to pass on to their family or good causes without running the risk of running out of money.
We then use our new found knowledge about you, combined with many years of specialist experience to start planning your financial freedom and begin implementing your personalised financial strategy.
Over a period of time we help you to move ever closer to your goals, both financial and personal. As part of our process we carry out regular reviews to help you stay on track with your personalised financial strategy — updating any changing needs or circumstances.
Harrison Beale & Owen, Highdown House, 11 Highdown Road, Warwickshire, Leamington Spa, CV31 1XT
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