Independent Financial Advisers Serving Redhill
Sturdy Edwards Financial Services provides independent financial advice to individuals, families and businesses in Redhill and surrounding Surrey communities.
Our qualified advisers can help with investments, pensions, retirement planning, mortgages and financial protection. Advice may focus on one immediate requirement or consider several connected objectives as part of a wider financial plan.
We also serve clients in Merstham, Earlswood, Salfords, Nutfield and nearby areas. Our office is based in East Grinstead, and clients can contact us to discuss the meeting arrangements available.
Financial Reviews for Redhill 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 arrangements and future priorities.
Changes in employment, family circumstances or property commitments can affect several areas of financial planning. A new mortgage may change protection needs, while moving employer can leave existing pensions and workplace benefits requiring review.
We identify which matters need 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 who are investing regular savings, a substantial lump sum or capital received through inheritance, a property sale, business activity or another financial event.
Before recommending an investment, we consider your objectives, investment timescale, 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 proposed strategy fits with your wider financial position.
Retaining sufficient accessible savings is important before committing money to a medium- or long-term investment. Tax efficiency should also be considered alongside suitability rather than treated as the sole reason to invest.
Pension and Retirement Planning
Several changes 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 schemes can contain guarantees and other valuable benefits, so transferring or consolidating will not automatically be appropriate.
For clients approaching retirement, we compare expected expenditure with income from pensions, savings, investments and other assets. We also explain available pension-income options and their different levels of flexibility, certainty and investment risk.
Learn more about company and private pension advice or explore retirement planning .
Mortgage Advice in Redhill
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. Comparing mortgages requires consideration of the overall cost rather than the initial interest rate alone.
Being offered a particular borrowing amount does not necessarily mean that using the full amount is appropriate. Repayments should remain manageable alongside household expenditure, savings and other commitments.
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 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 financial risks and should be assessed according to income, liabilities, dependants, savings and existing workplace benefits.
A mortgage can create or increase the need for protection, but mortgage repayment is not the only consideration. Childcare, household income and other family costs may also require protection.
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 Employment, Property and Family Planning
Financial arrangements should not always be reviewed in isolation. A career change may alter pension contributions and workplace benefits, while moving home can affect savings, mortgage commitments and protection needs.
A coordinated review can establish what is already in place, identify any important gaps and help determine which decisions need attention first.
This does not mean that every financial product needs to be changed. Retaining an existing pension, investment or protection policy may be appropriate where it continues to meet the client’s needs.
How We Work with Redhill 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 as employment and family circumstances change.
The proposed service, any ongoing review arrangement and relevant charges will be explained before you decide whether to proceed.
Serving Redhill and Surrounding Surrey Areas
We advise clients in Redhill, Merstham, Earlswood, Salfords, Nutfield and surrounding Surrey 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 Redhill: Frequently Asked Questions
Do You Provide Financial Advice in Redhill?
Yes. We serve individuals, families and businesses in Redhill and surrounding Surrey communities.
Can You Review Pensions from Several 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 combined.
Can You Help Me Invest a Lump Sum?
Yes. Advice can be provided on investing a lump sum, subject to your objectives, timescale, need for access, attitude to risk and capacity for loss.
Can Mortgage and Protection Advice Be Considered Together?
Yes. A mortgage can create or change the need for life insurance, critical illness cover and income protection. Each recommendation is assessed separately according to your circumstances.
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 Redhill
If you are based in Redhill 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.