About SBC Financial
Securing YOUR Future, every step of the way.
Who We Are
SBC Financial is an independent financial advisory practice based at 208 Dalkeith Road, Edinburgh. We have been providing professional, whole-of-market financial advice to individuals, families and businesses across Edinburgh and central Scotland for over twenty years.
As an independent firm, we are not affiliated with any bank, building society or product provider. That means every recommendation we make is based solely on your needs and circumstances — not on any commercial arrangement with a third party.
We advise on the full range of personal financial planning needs: mortgages, pensions and retirement planning, savings and investments, and financial protection. Our advisers hold the qualifications required by the FCA and are committed to ongoing professional development to ensure the advice we give is always current, relevant and in your best interests.
What independent advice means for youTruly Independent
We are not tied to any bank, insurer or product provider. That means our recommendations are based entirely on what is right for you — not on commission targets or panel restrictions.
Whole of Market
We search the entire market to find the most suitable products for your needs, whether that is a mortgage, pension, investment or protection policy.
Qualified & Regulated
SBC Financial is authorised and regulated by the Financial Conduct Authority (FCA reference 997666). You can check our details on the FCA Register at register.fca.org.uk.
Personal Service
We take the time to understand your individual circumstances before making any recommendation. You will always deal with a named adviser — not a call centre.
Meet the Team
Steven O'Neill
Independent Financial Adviser
Steven is the proprietor of SBC Financial and has been providing independent financial advice to clients across Edinburgh and central Scotland for over two decades. He holds the full range of professional qualifications required to advise on pensions, investments, protection and mortgages, and is directly authorised and regulated by the Financial Conduct Authority. Steven's particular focus is on pensions, investments and long-term financial planning, helping clients build and protect their wealth at every stage of life. His approach is straightforward: understand each client's individual circumstances, explain the options clearly, and recommend the solution that genuinely fits.
Dionne Clark
Independent Mortgage Consultant
Dionne specialises in residential and buy-to-let mortgage advice, helping clients find the right mortgage from across the whole market. Whether you are a first-time buyer, moving home, or looking to remortgage, Dionne takes the time to understand your situation and guide you through the process from application to completion.
Audrey O'Neill
Independent Financial Adviser
Audrey O'Neill is an experienced independent financial adviser with a particular focus on retirement planning, pensions and savings. She works closely with clients to build a clear picture of their financial goals and develop strategies that are tailored to their needs — whether they are planning for retirement, reviewing existing pension arrangements, or looking to make the most of their savings.
Justyna Dziurdz
Office Manager
Justyna Dziurdz keeps the SBC Financial office running smoothly, ensuring that clients receive a prompt and professional service at every point of contact. She is often the first person you will speak to when you get in touch, and is always happy to help with enquiries, appointments and general administration.
Stuart Clark
Business Development Consultant
Stuart works on business development and client relationships, helping SBC Financial continue to grow while maintaining the personal, attentive service that clients have come to expect. He brings a wealth of experience in financial services and plays a key role in ensuring the practice continues to deliver the highest standards of advice and client care.
SBC Financial is a trading style of Steven John O'Neill, who is authorised and regulated by the Financial Conduct Authority. FCA reference number: 997666. Registered address: 208 Dalkeith Road, Edinburgh, EH16 5DT. You can verify our authorisation on the FCA Register at register.fca.org.uk.
Ready to Talk?
Whether you have a specific question or just want to understand your options, we are here to help. Get in touch for a no-obligation conversation with one of our advisers.
Contact Us