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HB&O Financial Services

Plan for tomorrow; live for today.

At HB&O we consider all aspects of your financial life and use state of the art technology to give you access to everything we do for you. We provide advice and planning services for people who want to make the most of their finances.

We’re independent, which means we work for our clients interests and offer solutions covering, Inheritance Tax, Retirement Planning, Investment Planning, Protection Planning, Mortgages, and Employer Benefits.

For a complimentary review or to discuss your requirements, call us on 01926 422292 or email: ifa@hbofs.co.uk

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See how we can help you

IHT

Inheritance Tax

Few taxes are as emotive and politicised as Inheritance Tax and contrary to popular belief, Inheritance Tax does not only affect the very rich. Often considered a ‘voluntary tax’, how you structure and transfer ownership of your assets can have lasting financial consequences for you and your family. We provide bespoke estate and tax planning advice to help protect your wealth.

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retirement

Pensions

When it comes to preparing for retirement, there isn’t a ‘one size fits all’ approach and everybody’s needs and objectives are different. It can be daunting, but planning for retirement is possibly the most important financial decision you will ever make and forward planning will help provide the reassurance of financial security in later years.

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investment

Investment Planning

There are a number of key investments available to help you achieve your financial goals and drawing on our experience and qualifications allows us to provide specialist advice on how best to manage your money. Whether you are looking to invest for a specific event, a longer-term income or capital need, or you simply have surplus savings that you want to work harder.

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protection

Protection Planning

Life is uncertain and Financial Planning means planning for all eventualities. That means protecting yourself and your family should the worst happen, is an essential ‘must-have’.

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mortgages

Mortgages

Purchasing your home is possibly the largest single transaction you will ever make and the process of arranging a mortgage can be a stressful and time-consuming experience.

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employer

Employee Benefits

Offering benefits to your employees shows them you are invested in not only their overall health, but their future. It helps to attract and retain talent and differentiate your business.

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Contact Us

HB&O Financial Services
Highdown House
11 Highdown Road
Leamington Spa CV31 1XT

Tel: 01926 422292
Email: ifa@hbofs.co.uk

HB&O

Our Digital Magazine

To download our free personal finance magazines and financial guides to help you make more of your money, click on the button below.

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HB&O Financial Services profile

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D A Owen Financial Services Ltd Registered in England and Wales. 05371139
Registered Address: Highdown House, 11 Highdown Road, Leamington Spa, Warwickshire, CV31 1XT

HB&O Financial Services is a trading style of D A Owen Financial Services Ltd which is authorised and regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No 433905 at https://register.fca.org.uk/.

The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK

Should you have cause to complain, and you are not satisfied with our response to your complaint you may be able to refer it to the Financial Ombudsman Service, which can be contacted as follows The Financial Ombudsman Service Exchange Tower, London, E14 9SR. Tel: 0800 023 4567 or 0300 123 9 123 www.financial-ombudsman.org.uk

© HB&O Financial Services. All rights reserved.

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