Independent Financial Advisers Serving Horley
Sturdy Edwards Financial Services provides independent financial advice to individuals, families and businesses in Horley and surrounding Surrey communities.
Our qualified advisers can help with investments, pensions, retirement planning, mortgages and financial protection. Advice is based on your circumstances and may focus on one financial decision or several connected objectives.
We also serve clients in Smallfield, Charlwood, Salfords, Outwood, Gatwick and nearby areas. Our office is based in East Grinstead, and clients can contact us to discuss the meeting arrangements available.
Financial Reviews for Horley Clients
A financial review gives us the opportunity to understand your present position before recommending any action. We discuss your income, expenditure, assets, liabilities, existing financial products and future priorities.
Changes in employment can affect workplace pensions, sick pay and financial protection. Moving home or increasing a mortgage may also change the level of household protection required.
We consider these connections where appropriate 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 timescale, attitude to risk, capacity for loss and need for accessible money.
Appropriate options may include ISAs, collective investments, investment bonds and managed portfolios. We explain the purpose, risks, charges and tax considerations associated with each recommendation.
Diversification can help manage concentration risk, but it cannot guarantee returns or prevent losses. Any ongoing review service and its cost will be explained before it begins.
Pension and Retirement Planning
Several periods of employment can leave an individual with 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 arrangements can contain guarantees and other valuable benefits, so transferring or consolidating will not automatically be appropriate.
For clients approaching retirement, we can assess likely expenditure and income from pensions, savings, investments and other assets. We also explain retirement-income options and the risks associated with each approach.
Learn more about company and private pension advice or explore retirement planning .
Mortgage Advice in Horley
We provide mortgage advice for first-time buyers, home movers and existing homeowners considering a remortgage.
Our advisers assess your income, regular 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. A low advertised rate will not necessarily represent the most suitable or lowest-cost option once fees are considered.
All mortgages remain subject to status, lender criteria 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 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 making a recommendation, we consider your income, liabilities, savings, dependants and any protection already provided through employment.
Workplace benefits may reduce the need for personal cover, but they can change or end when employment changes. Standard income protection normally covers an inability to work caused by illness or injury, not unemployment or redundancy.
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.
Connecting Workplace Benefits with Personal Planning
Employment can provide workplace pension contributions, death-in-service benefits, contractual sick pay and group protection. These benefits should be understood before arranging additional personal products.
They should not necessarily be relied upon indefinitely. Changing employer can alter or end the benefits, while pension arrangements may remain invested with a previous provider.
A coordinated review can establish what is already available, identify any significant gaps and consider whether personal pensions or protection are appropriate.
How We Work with Horley Clients
Our advice begins with an understanding of your circumstances, priorities and 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 when employment or family circumstances change.
The proposed service, any ongoing review arrangement and relevant charges will be explained before you decide whether to proceed.
Serving Horley and Surrounding Surrey Areas
We advise clients in Horley, Smallfield, Charlwood, Salfords, Outwood, Gatwick and surrounding areas.
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 Horley: Frequently Asked Questions
Do You Provide Financial Advice in Horley?
Yes. We serve individuals, families and businesses in Horley and surrounding Surrey communities.
Can You Review Workplace Pensions and Employee Benefits?
Depending on the service required, we can review existing workplace pensions and consider relevant employer protection benefits as part of a wider financial assessment.
Can You Help First-Time Buyers?
Yes. We can help first-time buyers understand affordability, deposits, mortgage types, costs and the application process. Any mortgage remains subject to lender criteria and an acceptable property valuation.
Does Income Protection Cover Redundancy?
Standard income protection normally covers an inability to work caused by illness or injury, not unemployment or redundancy. The policy terms and exclusions should be checked carefully.
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 Horley
If you are based in Horley or a surrounding Surrey 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.