Who we are

Helping clients navigate complex financial markets for decades

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 an Independent Mortgage Specialist helping our clients secure 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.

Why choose HB&O Financial Services?


Taking advice can be a daunting process, whether you are looking to take financial advice for the first time or you’ve taken financial advice in the past. Finances often take a low priority for many people because they are complex, but at HB&O Financial Services our clients appreciate our ability to make the financial advice process both simple and enjoyable.

Based in Leamington Spa, we provide financial advice to individuals at all stages of their financial planning cycle. Whether you are assessing your finances for the first time or you want to know more about your retirement options, we are able to help.

At HB&O Financial Services, we ask the questions, look into your future, give straightforward advice and find the right financial solutions for you. This is achieved by:

• Identifying your short, medium and long-term financial planning goals
• Clarifying precisely what you want from life
• Mapping out a route to get you there
• Making easy-to-understand product and investment recommendations
• Adjusting your plan during significant life changes and at regular reviews

Contact us today to begin your journey