Steven O'Neill

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. He works with individuals, families and business owners to develop comprehensive financial plans that are tailored to their specific goals and circumstances.

His approach is straightforward: understand each client's individual circumstances, explain the options clearly, and recommend the solution that genuinely fits — not the one that is easiest to arrange or most profitable for the firm.

With over 40 years of combined experience across the SBC Financial team, Steven has built a practice founded on trust, transparency and long-term client relationships. Many of his clients have been with him for over a decade, and a significant proportion come through personal recommendation.