Our approach

Taking the time to understand your needs

At HB&O Financial Services, we make sure we take the time to understand your needs, goals and preferences before we make any recommendations. We will work closely with other professionals, such as accountants and solicitors, to deliver a seamless service to you. This is the five-step process we follow:



  1. Getting to know each other

    • We get together to understand what you want to achieve from your financial arrangements
    • We explain exactly how our services and charges work
    • We build a complete picture of:
    – your personal circumstances
    – your existing financial situation and arrangements
    – your needs and goals
    – your tolerance to risk



  2. Planning your financial future

    • We analyse your needs in detail
    • We research and evaluate a comprehensive range of financial products and services
    • We build a recommended strategy to help you move from where you are now to where you would like to be in the future



  3. Finalising your strategy

    • We make our recommendations and talk everything through with you
    • Once you fully understand all aspects of what is involved, we finalise your strategy



  4. Implementing your financial strategy

    Now it’s time to put your strategy in place, including helping you to complete relevant applications and ensuring you receive the correct documentation



  5. Monitor and review

    As part of our wealth management service we offer regular reviews which ensure your arrangements keep pace with your changing needs and circumstances. As appropriate, we will suggest any adjustments, taking into account financial market conditions and recent legislation

    The trust of the people we work with is crucial to us, so we encourage our clients to discuss our advice and ask questions at every stage.