Congratulations to our Financial Planning Analyst, Lucy Talbot on winning Paraplanner of the Year 2019 at the Personal Finance Society awards.
Our Mortgage & Protection Specialist, Ian Chetwynd also made it into the final three nominees for the Mortgage & Protection Specialist of the Year.
The Personal Finance Awards continue to recognise excellence in professional financial planning and journalism. Advisers, paraplanners and dedicated teams of support staff combine to provide clients with the confidence and clarity to help them meet their financial needs and longer-term goals and aspirations.
HB&O Financial Services is proud to have held the prestigious title ‘Chartered Financial Planners’ awarded by the Chartered Insurance Institute (CII) since 2008.
A Chartered title is a commitment to an overall standard of customer excellence and professionalism. This title is only awarded to firms committed to developing and maintaining the knowledge and capability of their people so they can deliver the highest quality advice.
If you wish to know more about how using a Chartered firm can ensure you receive the most suitable advice, please do not hesitate to contact one of our Chartered Financial Planners on 01926 422292.
Congratulations to our Mortgage & Protection Specialist, Ian Chetwynd who has been shortlisted for the ‘Mortgage & Protection Advice Specialist of the Year’ and our Financial Planning Analyst, Lucy Talbot who has been shortlisted for the ‘Paraplanner of the Year’ Personal Finance awards 2019/20.
Now in their tenth year the Personal Finance Awards continue to recognise excellence in professional financial planning and journalism. Advisers, paraplanners and dedicated teams of support staff combine to provide clients with the confidence and clarity to help them meet their financial needs and longer-term goals and aspirations.
The winners of each award will be announced at the Personal Finance Awards Dinner at the ICC in Birmingham on 28th November 2019.
It has been over a month since HB&O Financial Services Managing Director, Jason Strain and Director, Anthony Baynham took part in a dual charity challenge to help raise money and awareness for Prostate Cancer.
On the 21st September, the pair swam two laps of the Serpentine Lake in Hyde Park, a total of two miles each. It was the first open water event for either of them.
They then travelled to Germany 8 days later to run the Berlin Marathon (26.2 miles) on the 29th September.
HB&O’s property tax and mortgage
specialists joined forces to share useful insights at an event held for those
investing in Homes of Multiple Occupancy (HMOs) this week.
The free event was organised by Homemaker
Properties and was designed to provide up to date advice and information for
existing and potential investors.
Neil Allcroft, Senior Tax Manager at
HB&O, talked delegates through some of the recent changes to tax legislation
and offered practical tips on how to run a tax efficient property portfolio.
Recent tax changes have included the loss of reliefs which limit the income
landlords can gain without paying additional tax. With more changes on the
horizon, Neil demonstrated the importance of a planned approach to your
portfolio to minimise tax liabilities.
Mortgage & Protection Specialist, Ian Chetwynd, from HB&O Financial Services, talked through some of the particular challenges and opportunities for those seeking finance for an HMO. The number and choice of lenders available for HMOs is limited, and there are other restrictions in place regarding rental income and number of bedrooms. Ian shared insights on a broad range of solutions available, including limited company lending and bridging loans.
Other speakers included property
maintenance experts, Magna Installations and Maintenance, as well as specialists
from event organisers, Homemaker Properties.
Neil Allcroft said: “We would like to thank
Homemaker Properties for inviting us to take part in this event. We were
pleased to be able to offer practical advice and guidance to delegates and
discuss current challenges in the sector.”
In September 2019, Jason Strain, Managing Director and Anthony Baynham, Director of HB&O Financial Services will be taking part in a dual charity challenge.
On 21st September, they will be swimming two laps of the Serpentine Lake in Hyde Park, London, a total of two miles. This will be the first open water event for either of them with the furthest Jason ever swimming being 200 meters!
Jason & Anthony will then be travelling to Germany 8 days later to run the Berlin Marathon which takes place on 29th September.
All money raised from the challenge will be donated to Prostate Cancer UK.
Across the UK prostate cancer is the most common cancer in men
Over 47,000 men are diagnosed with prostate cancer every year – that’s 129 men every day
Every 45 minutes one man dies from prostate cancer – that’s more than 11,000 men every year
1 in 8 men will get prostate cancer in their lifetime
HB&O Financial Services are proud to have sponsored this years Leamington Spa Half Marathon, organised by Raceways Events.
The race took place on Sunday 7th July, starting and finishing in the heart of Leamington Spa with the route going through scenic villages in Warwickshire.
HB&O Financial Services had their own promotional gazebo in the Event Village, located in The Pump Room Gardens. Runners, friends and family were able to meet some of our staff and play our buzz wire game, and Henry the Bear went home with Niall, a Radford Semele scout who completed the game in 53 seconds!
HB&O Financial Services staff members Jason Strain, Thomas Dawe, Anthony Baynham, Lucy Talbot, Rob Dimbleby and Jo Barrett all ran the race. Lucy and Jo even achieved their personal best times!
We are still offering our support to the runners (as well as friends and family) of this years Leamington Half Marathon by discounting our standard mortgage arrangement fee from £295 to £99 when quoting ‘LHM19’. Please contact our Mortgage Specialist Ian Chetwynd for more information by calling 01926 422292 or via email at Ian.Chetwynd@hbofs.co.uk.
Leamington-based company Raceways Events which organise running and triathlon events in Warwickshire have been sponsored by HB&O Financial Services. All proceeds go to charity Kids Run Free who currently organise park running programmes for children in over 30 locations in the UK.
Leamington Spa Half Marathon launched in 2018 with 2,000 entries in its first
year and 300 in the kids fun run. Between 2,000–4,000 runners are expected to
take part in the race on Sunday 7th July 2019. The course is
traffic-free and extremely scenic, starting and finishing in the heart of
Leamington Spa and takes you through scenic villages in the beautiful
Pump Room Gardens will be home to the Event Village where friends and family
can cheer on runners and for the kids, there will be a kids zone with
mini-Olympic style activities. HB&O Financial Services will have their own
promotional gazebo in the Event Village where you can meet some of our staff,
play our buzz wire games and even be in with a chance of winning some sweet
the half marathon or kids fun run, please visit Raceways website: http://www.leamingtonspahalfmarathon.co.uk/.
To support the runners (and friends and family) of this years Leamington Half
Marathon, our standard mortgage arrangement fee will be discounted from £295 to
£99 when quoting ‘LHM19’. Please contact our Mortgage Specialist Ian Chetwynd
for more information by calling 01926 422292 or via email at Ian.Chetwynd@hbofs.co.uk.
As Independent Mortgage Advisers, we can provide advice on every aspect of the
mortgage process, including but not limited to mortgages, re-mortgages, life
assurance and home insurance.
We are delighted to announce that we have been awarded Gold Standard for Pension Transfer Advice.
What is the Pension Transfer Gold Standard?
The Pensions Advice Taskforce, a representative industry body set up by the Personal Finance Society, has established a voluntary code of good conduct for Safeguarded and Defined Benefit Pension Transfers advice – the ‘Gold Standard’.
In addition to the standard financial advice rules and regulations, we, as a Pension Transfer Gold Standard firm, also commit to the following nine principles:
1. Helping clients understand when advice is appropriate 2. Ensuring advice given supports the clients overall wellbeing in the context of their stated objectives 3. Ensuring client understanding and acceptance of all charges 4. Ensuring the most appropriate and updated technical skills are applied 5. Transparent management of Conflicts of Interest 6. Helping clients understanding the cost of transferring benefits 7. Avoiding unregulated investments and introducers 8. Transparency in advice processes and outcomes 9. Promoting the Consumer Guide to the Pension Transfer Gold Standard