Independent Financial Advisers Serving Eastbourne
Sturdy Edwards Financial Services provides independent financial advice to individuals, families and businesses in Eastbourne and surrounding areas of East Sussex.
Our qualified advisers can help with investments, pensions, retirement planning, mortgages and financial protection. Advice is tailored to your circumstances, whether you are building assets, preparing to retire or reviewing how existing arrangements should support you in later life.
We also serve clients in Polegate, Hailsham, Pevensey, Seaford and nearby communities. Our office is based in East Grinstead, and clients can contact us to discuss the meeting arrangements available.
Financial Reviews for Eastbourne Clients
A financial review gives us the opportunity to understand your current position before recommending any changes. We discuss income, expenditure, assets, liabilities, existing financial arrangements and future priorities.
For clients approaching or already in retirement, the review may focus on whether pensions, investments, savings and other income sources are likely to meet expected expenditure over the longer term.
Other clients may require advice about investing a lump sum, arranging a mortgage or protecting their family and income. The service can focus on one requirement or coordinate several connected objectives.
Investment and Wealth Management Advice
We advise clients who are investing a lump sum, reviewing established investments or considering how a portfolio may support future income.
Before making a recommendation, we consider your objectives, intended investment period, attitude to risk, capacity for loss and need for access to capital.
Appropriate options may include ISAs, collective investments, investment bonds and managed portfolios. We explain the risks, charges and tax considerations involved and how the proposed investments relate to your wider financial plan.
Where withdrawals are being taken, investment risk requires particular attention. Market falls combined with regular withdrawals can reduce the ability of the remaining portfolio to recover.
Pension and Retirement Planning
Retirement planning involves more than reviewing pension values. It requires an assessment of expected expenditure, available income and how long invested pension funds may need to last.
We advise on personal pensions, workplace pensions, SIPPs and company contributions. Existing arrangements can be reviewed to identify their benefits, investments, charges and any guarantees that could be lost following a transfer.
When pension benefits are due to be accessed, we explain the available options. These may include drawdown, annuities, lump sums or a combination of approaches, depending on the type of pension and individual circumstances.
Some options provide flexibility but leave the pension exposed to investment and longevity risk. Others provide greater certainty but may be difficult or impossible to reverse.
Learn more about company and private pension advice or explore retirement planning .
Mortgage Advice in Eastbourne
We provide mortgage advice for first-time buyers, home movers and existing homeowners considering a remortgage.
Our advisers assess your income, expenditure, deposit, existing commitments and future plans before researching suitable options from the lenders and mortgage products available to us.
Where borrowing is expected to continue into retirement, the proposed term, future income and lender criteria require particular consideration. Being offered a particular amount does not necessarily mean that borrowing the full amount is appropriate.
We explain the interest rate, repayment structure, product fees, early repayment charges and other relevant conditions. All mortgages remain subject to lender criteria, status and an acceptable property valuation.
Learn more about independent mortgage advice or use our mortgage repayment calculator .
Life Insurance and Financial Protection
Protection planning considers how a household would manage its mortgage, bills and other responsibilities following death, serious illness or an extended period away from work.
We advise on life insurance, critical illness cover and income protection. The appropriate cover depends on your income, family circumstances, liabilities, savings and any benefits already available through employment.
Existing protection should also be reviewed when circumstances change. Older policies can contain favourable terms, so replacement will not automatically be appropriate.
Learn more about life insurance and family protection or critical illness and income protection .
Important Information
The value of investments and pension investments and the income from them can fall as well as rise. You may receive back less than the amount invested.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Financial protection policies have terms, conditions and exclusions. Pension and tax rules depend on individual circumstances and may change.
Coordinating Income and Assets in Retirement
Retirement income may come from the State Pension, defined benefit pensions, invested pensions, ISAs, other investments, savings and property. Each source can have different tax, access and risk considerations.
A coordinated plan considers which expenditure is essential, which income is secure and how invested assets may need to support flexible spending. It should also allow for inflation, unexpected costs and changes in health or family circumstances.
Where ongoing advice is appropriate, reviews can assess whether withdrawals remain sustainable and whether investments still reflect the agreed level of risk. Reviews cannot guarantee that an invested fund will provide a particular income for life.
How We Work with Eastbourne Clients
Our advice begins with an understanding of your circumstances, objectives and immediate concerns. We then gather the information required to review existing arrangements and research appropriate options.
The process will normally include:
- Discussing your requirements and priorities
- Gathering information about your financial position
- Reviewing relevant existing arrangements
- Assessing risk, affordability or protection needs
- Researching appropriate options
- Explaining our recommendation, including risks and costs
- Implementing the agreed arrangements
- Providing ongoing reviews where appropriate
Some clients need advice on one particular matter. Others require continuing support to manage investments, plan retirement income or adapt their arrangements as circumstances change.
The proposed service, any ongoing review arrangement and relevant charges will be explained before you decide whether to proceed.
Serving Eastbourne and Surrounding East Sussex Areas
We advise clients in Eastbourne, Polegate, Hailsham, Pevensey, Seaford and surrounding East Sussex communities.
Our office is located at:
Sturdy Edwards Financial Services Limited191-193a London Road
East Grinstead
West Sussex
RH19 1HA
Telephone: 01342 313733
Please contact our team in advance to discuss your requirements and the meeting arrangements available.
Independent and FCA-Regulated Financial Advisers
As independent financial advisers, we can consider suitable options from across the relevant market when making a personal recommendation. Independence does not mean that every available product will be suitable.
Our recommendations are based on your circumstances, needs and objectives. We explain why an option has been recommended and what risks, costs and limitations need to be considered.
Sturdy Edwards (Financial Services) Limited is authorised and regulated by the Financial Conduct Authority. Our FCA reference number is 190659.
Meet our financial adviser team or view Sturdy Edwards on the Financial Services Register .
Financial Advice in Eastbourne: Frequently Asked Questions
Do You Provide Financial Advice in Eastbourne?
Yes. We serve individuals, families and businesses in Eastbourne and surrounding East Sussex communities.
Can You Help Me Plan My Retirement Income?
Yes. We can review pensions and other assets, assess expected expenditure and explain options including pension drawdown, annuities and lump sums where available.
Can You Review Investments After I Retire?
Yes. Existing investments can be reviewed to assess risk, charges, diversification, withdrawals and whether the portfolio remains appropriate for your objectives.
Should I Transfer My Pensions Before Retiring?
Not automatically. A transfer can involve charges and the loss of guarantees or other valuable benefits. Existing pensions should be assessed individually before a transfer is considered.
Where Is the Sturdy Edwards Office?
Our office is at 191-193a London Road, East Grinstead, West Sussex, RH19 1HA. Please contact us in advance to discuss meeting arrangements.
Contact Our Financial Advisers Serving Eastbourne
If you are based in Eastbourne or a surrounding East Sussex community and would like advice on investments, pensions, retirement planning, mortgages or financial protection, our advisers are available to discuss your requirements.
Please contact Sturdy Edwards Financial Services to arrange an initial financial discussion.
Contact Sturdy EdwardsWe help clients to arrange mortgages, give independent investment guidance on ISAs
Please contact us to find out how we can help.