Independent Financial Advisers Serving Reigate
Sturdy Edwards provides independent financial advice to individuals, families and businesses in Reigate and surrounding Surrey communities. Our qualified advisers help clients understand their options and make informed decisions about investments, pensions, retirement, mortgages and financial protection.
Reigate is home to families, professionals and business owners with a wide range of financial planning requirements. Whether you are reviewing arrangements accumulated over several years, preparing for retirement or considering a significant financial decision, our advice is tailored to your circumstances and objectives.
We also support clients in nearby areas including Redhill, Merstham, Earlswood and surrounding parts of Surrey. Our office is located in East Grinstead, and you can contact our team to discuss suitable meeting arrangements.
Financial Reviews for Clients in Reigate
A financial review allows us to understand your present position before recommending any changes. This usually involves discussing your income, expenditure, assets, liabilities, existing financial products and short- and long-term priorities.
Where relevant, we can examine existing pensions, investments, mortgages and protection policies. We explain what is already in place, whether it remains suitable and whether valuable benefits or guarantees could be affected by a proposed change.
Advice may focus on one particular requirement or form part of a wider financial plan. You can learn more about our independent financial advice services.
Investment and Wealth Management Advice
We provide investment advice for clients who are building wealth, investing an inheritance or other lump sum, or reviewing an existing portfolio. Before recommending an investment, we consider your objectives, timescale, attitude to risk and capacity for loss.
Advice may cover ISAs, investment bonds, collective investments and managed portfolios where these are appropriate. We explain the purpose, risks, costs and tax considerations associated with each recommendation so that you can make an informed decision.
For clients receiving an ongoing service, regular reviews can help determine whether a portfolio continues to reflect their objectives and circumstances.
Pension and Retirement Planning
Retirement planning involves understanding what income you may need, when you would like to retire and how your pensions, savings, investments and other assets could support your plans.
We can review company and private pensions, including arrangements retained from previous employers. Our advisers consider features, charges, investment choices and any existing guarantees before deciding whether a change may be suitable.
Consolidating or transferring pensions is not automatically appropriate. A transfer can involve costs and the loss of valuable guarantees or other benefits, so existing arrangements must be assessed carefully.
Explore our advice on company and private pensions or learn more about planning for retirement.
Mortgage Advice for Reigate Clients
We provide mortgage advice for clients buying their first home, moving property or reviewing an existing mortgage. Our advisers consider your borrowing requirements, income, expenditure, existing commitments and future plans before researching appropriate options.
We can explain the differences between available interest rates, repayment methods, product terms and fees. Recommendations are selected from the lenders and mortgage products available to us and are based on an assessment of suitability and affordability.
You can learn more about our mortgage advice or use our mortgage calculator for an initial illustration.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Life Insurance and Financial Protection
Protection planning can help provide financial support if death, serious illness or an extended period away from work affects you or your family. The appropriate form and level of cover will depend on your income, commitments, dependants and any existing workplace benefits.
We advise on life insurance, critical illness cover and income protection. Our advisers explain policy definitions, benefit terms, deferred periods and important exclusions before making a recommendation.
Learn more about life insurance and family protection or critical illness and income protection.
Protection policies are subject to their individual terms, conditions and exclusions. Eligibility and the cost of cover will depend on personal circumstances and underwriting.
Important Information About Financial Planning
The value of investments and pensions can fall as well as rise, and you may receive back less than you invested. Investment performance is not guaranteed.
Pension and tax rules can change, and their effect will depend on your individual circumstances. Financial advice should therefore be based on a current assessment of your needs rather than general information alone.
Bringing Different Financial Priorities Together
Financial decisions are often connected. Increasing pension contributions may affect present-day affordability, while taking on a mortgage may create a need to review life insurance or income protection.
Where appropriate, we consider these connections as part of a coordinated plan. This can help you prioritise decisions, understand competing objectives and avoid making a change in one area without considering its wider consequences.
For business owners and professionals, planning may also involve company pension contributions, personal protection and the relationship between business and personal finances.
Our Financial Advice Process
Our process begins with an initial discussion about your circumstances, objectives and concerns. We then gather the information needed to assess your existing arrangements and research appropriate options.
- Initial discussion: We establish what you would like to achieve and which decisions require attention.
- Information gathering: We collect relevant details about your finances and existing products.
- Research and assessment: We consider appropriate planning options and assess their suitability.
- Recommendation: We explain what is being recommended, including the risks, costs and alternatives.
- Implementation and review: If you decide to proceed, we help implement the recommendation and explain whether ongoing reviews may be appropriate.
The scope of the service and any associated charges will be explained before chargeable work begins. You will have an opportunity to ask questions before deciding whether to proceed.
Serving Reigate and Nearby Surrey Communities
We advise clients in Reigate, Redhill, Merstham, Earlswood and surrounding areas. Our office is located at 191-193a London Road, East Grinstead, West Sussex, RH19 1HA.
Please contact our team on 01342 313733 to discuss your requirements and suitable meeting arrangements.
You can also meet our financial advisers or explore our financial advice services before contacting us.
Independent and Regulated Financial Advice
Sturdy Edwards (Financial Services) Limited is authorised and regulated by the Financial Conduct Authority. Our FCA reference number is 190659.
You can confirm our regulatory status on the Financial Services Register .
Our recommendations are based on an assessment of your individual circumstances and the type of advice required. We explain the reasons for a recommendation together with the relevant risks, limitations and costs.
Frequently Asked Questions
Can You Advise Clients Who Live in Reigate?
Yes. We provide independent financial advice to clients in Reigate and surrounding Surrey communities. Our office is in East Grinstead, and you can contact our team to discuss suitable meeting arrangements.
What Financial Advice Is Available?
Advice is available across investments, company and private pensions, retirement planning, mortgages, life insurance, critical illness cover and income protection, subject to your circumstances and the suitability of our service.
Can You Review My Existing Pensions or Investments?
Yes. We can review existing pensions and investments to assess their features, costs, risks and suitability. A review does not automatically mean that an existing arrangement should be transferred or replaced.
Do I Need to Bring Documents to the First Discussion?
You do not need to have every document available before making initial contact. Recent pension and investment statements, mortgage details, protection policies and information about your income and expenditure may be helpful as the review progresses.
Is Sturdy Edwards Regulated by the Financial Conduct Authority?
Yes. Sturdy Edwards (Financial Services) Limited is authorised and regulated by the Financial Conduct Authority under reference number 190659.
Contact a Financial Adviser Serving Reigate
If you live in Reigate or a nearby Surrey community and would like advice about investments, pensions, retirement, mortgages or financial protection, please contact us for an initial discussion.
Our team can explain how we may be able to assist, what information may be required and whether a financial review would be appropriate.
Arrange an Initial DiscussionWe help clients to arrange mortgages, give independent investment guidance on ISAs
Please contact us to find out how we can help.