Independent Financial Advisers Serving Haywards Heath
Sturdy Edwards Financial Services provides independent financial advice to individuals, families and businesses in Haywards Heath and surrounding Mid Sussex communities.
Our qualified advisers can help with investments, pensions, retirement planning, mortgages and financial protection. Advice can focus on a particular requirement or bring several areas together as part of a coordinated financial plan.
We also serve clients in Lindfield, Cuckfield, Wivelsfield, Scaynes Hill and nearby areas. Our office is based in East Grinstead, and clients can contact us to discuss the meeting arrangements available.
Financial Reviews for Haywards Heath Clients
A financial review gives us the opportunity to understand your present circumstances before recommending any action. We discuss your income, expenditure, assets, liabilities, existing financial arrangements and future priorities.
Professionals who have changed employers may need help understanding several workplace pensions and benefit packages. Families may be balancing mortgage commitments, savings and protection, while business owners may need to coordinate company and personal planning.
We establish which decisions require attention first and explain the proposed service, information required and relevant charges before you decide whether to proceed.
Investment and Wealth Management Advice
We advise clients investing regular savings, a substantial lump sum or capital received through inheritance, business activity or another financial event.
Before making a recommendation, we consider your objectives, investment period, attitude to risk, capacity for loss and need for accessible 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 recommendation fits with your wider plans.
Diversification can help manage concentration risk, but it cannot guarantee returns or prevent losses. Where ongoing reviews are appropriate, the service and its cost will be explained separately.
Pension and Retirement Planning
Several changes of employment can leave an individual with multiple pensions administered by different providers. A review can establish what each arrangement provides, how it is invested and whether it remains aligned with the intended retirement date.
We advise on personal pensions, workplace pensions, SIPPs and company contributions. Existing schemes can contain guarantees and other valuable benefits, so transferring or consolidating will not automatically be appropriate.
For clients approaching retirement, we can compare expected expenditure with income from pensions, savings, investments and other assets. We also explain available pension-income options and the risks associated with each approach.
Learn more about company and private pension advice or explore retirement planning .
Mortgage Advice in Haywards Heath
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.
We explain fixed, variable and tracker rates, repayment structures, product fees, early repayment charges and other relevant conditions. Comparing mortgages requires consideration of the overall cost rather than the initial interest rate alone.
Mortgage affordability should also be considered alongside pension contributions, emergency savings, childcare and other household commitments. 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, regular expenditure and family responsibilities following death, serious illness or an extended period away from work.
We advise on life insurance, critical illness cover and income protection. Before recommending cover, we consider your income, liabilities, dependants, savings and any benefits already available through employment.
Workplace protection can be valuable, but it may change or end when employment changes. We examine what is already available before identifying any personal protection shortfall.
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 Work, Family and Long-Term Financial Plans
Financial decisions are often connected. Increasing mortgage borrowing may affect affordable pension contributions, while changing employer can alter pension and protection benefits.
For business owners, pension contributions and personal protection may also need to be considered alongside company cash flow and remuneration. Tax or accounting advice may be required where company arrangements are involved.
A coordinated review can help identify these connections and reduce the risk of addressing one objective while unintentionally creating a problem elsewhere.
How We Work with Haywards Heath Clients
Our advice begins with an understanding of your circumstances, priorities and any immediate concerns. We then gather the information required to assess 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 monitor investments, prepare for retirement or adapt their financial plan as work and family circumstances change.
The proposed service, any ongoing review arrangement and relevant charges will be explained before you decide whether to proceed.
Serving Haywards Heath and Surrounding Mid Sussex Areas
We advise clients in Haywards Heath, Lindfield, Cuckfield, Wivelsfield, Scaynes Hill and surrounding Mid 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 Haywards Heath: Frequently Asked Questions
Do You Provide Financial Advice in Haywards Heath?
Yes. We serve individuals, families and businesses in Haywards Heath and surrounding Mid Sussex communities.
Can You Review Pensions from Different Employers?
Yes. Existing workplace and personal pensions can be reviewed to assess their benefits, investments, charges and suitability. A review does not automatically mean that the pensions should be transferred or combined.
Can You Coordinate Pension, Mortgage and Protection Advice?
Yes. Where appropriate, advice can consider several connected areas to help ensure that one financial decision does not conflict with another objective.
Can You Advise Business Owners?
Depending on the advice required, we can help business owners consider company pension contributions, personal protection and the relationship between company and personal finances.
Where Is the Nearest 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 Haywards Heath
If you are based in Haywards Heath or a surrounding Mid 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.