Business Details
Independent Financial Advisers in Eastbourne
Clifford Osborne is an independent financial advisory firm established by Paul Clifford, a Chartered Financial Planner with extensive industry experience. We specialise in providing tailored financial planning solutions across East Sussex and beyond, serving private individuals, solicitors, accountants, business owners, and trustees. Our expertise spans pensions, investments, equity release, inheritance tax planning, and later-life care strategies.We pride ourselves on technical knowledge, a client-centric approach, and long-term relationship-building, supported by a commitment to transparency, ethical standards, and regular financial plan reviews. Our services are accessible through face-to-face meetings, online appointments, and a secure Personal Finance Portal for real-time investment tracking.
Services
Pension Transfers
Investment Management
Equity Release
Estate Planning
Retirement Advice
Highlights and features
- We offer truly independent financial advice with no ties to institutions.
- Our team includes Chartered Financial Planners with decades of combined experience.
- We provide bespoke solutions tailored to individual financial goals and risk profiles.
- We maintain transparency in all fee structures and investment strategies.
- We utilise advanced portfolio construction methodologies for optimal diversification.
Associations and certifications
- Equity Release Council
- Pension Transfer Gold Standard
What people say
Personalised service
Technical expertise
Clear explanations
Regular reviews
Ethical approach
Services
Pension Transfers
We specialise in complex pension transfers, including defined benefit schemes. Our Pension Transfer Gold Standard-accredited advisors provide comprehensive analysis of safeguarded benefits versus flexible alternatives. We assess tax implications, life expectancy, and income requirements to determine optimal solutions. Clients receive detailed comparisons of annuity options versus drawdown strategies, with ongoing monitoring of transferred funds.
Investment Management
Our advisory investment management service utilises FE Select 100 funds across 15 risk-rated portfolios. We combine asset allocation with active fund selection to maximise diversification benefits. Portfolios are constructed using optimisation technology measuring diversification ratios, with quarterly rebalancing and bi-annual reviews. We offer both growth and income-focused strategies with specific yield targets.
Equity Release
As Equity Release Council members, we provide safe, regulated equity release solutions. Our specialists explain lifetime mortgage options and home reversion plans, considering inheritance tax implications and care fee requirements. We conduct detailed affordability assessments and demonstrate long-term financial impacts using FCA-approved illustrations.
Estate Planning
We develop comprehensive estate planning strategies to mitigate inheritance tax liabilities. Services include trust creation, lifetime gifting strategies, and probate planning. Our trustee investment service ensures compliance with the Trustee Act 2000, providing appropriate asset allocation and regular performance reporting for trust funds.
Retirement Advice
Our retirement advice covers income drawdown options, annuity purchases, and phased retirement strategies. We create cash flow models demonstrating sustainable withdrawal rates and tax-efficient income sequencing. The service includes regular reviews to adjust for changing circumstances and market conditions throughout retirement.
People
Paul Clifford
Chartered Financial Planner
Paul Clifford is a Chartered Financial Planner with over 20 years' experience in independent financial advice. He holds the Statement of Professional Standing and specialises in pension transfers, investment management, and later-life planning. Paul combines technical expertise with a client-focused approach to deliver tailored financial solutions.
Questions
What areas do Clifford Osborne serve?
We operate across East Sussex, West Sussex, Kent, and Brighton, with online appointments available nationwide.
Are Clifford Osborne regulated by the FCA?
Yes, we are authorised and regulated by the Financial Conduct Authority (FCA) under reference number 611536.
Do you offer free initial consultations?
Yes, we provide free, no-obligation initial meetings at your home, workplace, or our Eastbourne office.
What investment methodology do you use?
We employ FE Select 100 funds with optimised diversification strategies across 15 risk-rated portfolios.
Can you help with pension transfers?
Yes, we hold the Pension Transfer Gold Standard and specialise in complex pension transfer advice.
How are investment portfolios managed?
Portfolios are reviewed bi-annually and rebalanced quarterly using quantitative risk management techniques.
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