HBFS our aim is to build up long term relationships with our clients
and that is only achieved by gaining their trust and giving them the
service they expect.
HBFS are aware that getting the right advice
means speaking to the right people. Financial decisions are important
decisions and you have to have confidence in the ability and integrity
of your adviser.
This is why we offer a free, no obligation initial meeting at our offices or at your home or place of employment anywhere in the North East.
object of this initial meeting is to establish your needs, how we can
help you and how we are paid for our services. We offer fee or
commission based remuneration or a combination of them both so you will
be clear on the costs before you enter into a business relationship with
A copy of our Initial Disclosure Document and Client Fee
Agreement which we go through at this initial meeting is viewable from
the Contact Us section.
Depending on your instructions we will
carry out a needs analysis based on your current situation taking into
account any specific plans and/or targets you may have. We will then
advise you on anything from a short term financial objective to a
lifetime financial plan.
The Firm is directly Authorised by the
Financial Conduct Authority and we are obligated to provide advice most
suited to the clients personal requirements, affordability and attitude
We are totally committed to Treating Customers Fairly and constantly monitor the service we provide by encouraging clients to provide feedback and suggestions for improvement.
your further peace of mind, we are registered under the Consumer Credit
Act and Data Protection Act and hold the appropriate licences. We hold
Professional Indemnity Insurance and subscribe fully to the Financial
Ombudsman Scheme and the Financial Services Compensation Scheme, both
bodies of which exist to further consumer protection.