Independent Financial Advisers Serving Oxted
Sturdy Edwards Financial Services provides independent financial advice to individuals, families and businesses in Oxted and surrounding Surrey communities.
Our qualified advisers can help with investments, pensions, retirement planning, mortgages and financial protection. Advice may focus on one particular decision or coordinate several areas as part of a longer-term financial plan.
We also serve clients in Limpsfield, Hurst Green, Godstone, Tatsfield, Westerham and nearby areas. Our office is based in East Grinstead, and clients can contact us to discuss the meeting arrangements available.
Financial Reviews for Oxted 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 products and future priorities.
This may involve reviewing an established investment portfolio, bringing together details of several pensions, preparing for retirement or considering how mortgage and family responsibilities affect wider financial planning.
For business owners, the review may also consider company pension contributions, personal protection and the relationship between business and personal assets.
We explain the proposed service, information required and relevant charges before you decide whether to proceed.
Investment and Wealth Management Advice
We provide independent advice for clients investing a lump sum, building assets over time or reviewing investments accumulated through several providers.
Before making a recommendation, we consider your objectives, intended 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 associated with the proposed strategy.
A portfolio should also be considered as a whole. Holding several funds does not necessarily provide effective diversification if they invest in similar companies, sectors or markets.
Where ongoing reviews are appropriate, the service, frequency and cost will be explained before it begins. Reviews cannot guarantee investment performance or prevent losses.
Pension and Retirement Planning
Retirement planning involves understanding what pensions and other assets you hold, the income they may provide and whether that income is likely to meet your expected expenditure.
We advise on personal pensions, workplace pensions, SIPPs and company contributions. Existing pensions can be reviewed to assess benefits, investments, charges and any guarantees that could be lost following a transfer.
For clients approaching retirement, we explain options such as pension drawdown, annuities and lump sums where available. These choices involve different levels of flexibility, certainty, taxation and investment risk.
Retirement plans may need to account for several stages, including a gradual reduction in working hours, higher discretionary spending during earlier retirement and possible later-life costs.
Learn more about company and private pension advice or explore retirement planning .
Mortgage Advice in Oxted
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. A lower interest rate will not necessarily provide the lowest overall cost once fees and the length of the deal are considered.
Mortgage commitments should also be considered alongside pension contributions, accessible savings and family expenditure. 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. These products address different risks and must be assessed according to income, liabilities, dependants, savings and existing workplace benefits.
For business owners, protection planning may also involve considering the financial effect of death or illness on the company and on personal household income.
We explain policy definitions, benefit terms, deferred periods, exclusions and the circumstances in which a claim may be paid.
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.
Financial Planning for Business Owners
For a business owner or company director, personal and business finances are often closely connected. Income, pension contributions and financial protection may depend on company performance and remuneration decisions.
Depending on the advice required, planning may consider employer pension contributions, personal investments, protection and the longer-term intentions for the business.
Company contributions and remuneration involve tax and accounting considerations. Advice may therefore need to be coordinated with the company’s accountant or tax adviser.
How We Work with Oxted 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 coordinate business and personal planning.
The proposed service, any ongoing review arrangement and relevant charges will be explained before you decide whether to proceed.
Serving Oxted and Surrounding Surrey Areas
We advise clients in Oxted, Limpsfield, Hurst Green, Godstone, Tatsfield, Westerham and surrounding 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 Oxted: Frequently Asked Questions
Do You Provide Financial Advice in Oxted?
Yes. We serve individuals, families and businesses in Oxted and surrounding Surrey communities.
Can You Review an Established Investment Portfolio?
Yes. Existing investments can be reviewed to assess their risks, charges, diversification, tax treatment and alignment with your objectives.
Can You Advise Business Owners?
Depending on the advice required, we can help business owners consider company pension contributions, personal investments, protection and the relationship between business and personal finances.
Should I Combine My Existing Pensions?
Not automatically. Combining pensions can involve charges or the loss of guarantees and other valuable benefits. Each pension should be assessed before a transfer is considered.
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 Oxted
If you are based in Oxted 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.