Clifford Osborne

Business Details

Your Trusted Independent Financial Advisers in Eastbourne

Clifford Osborne is an independent financial advisory firm established and managed by Paul Clifford, a Chartered Financial Planner with extensive industry experience. We provide bespoke financial planning services tailored to individual client needs, focusing on pensions, investments, equity release, and wealth management. Our approach combines technical expertise with a commitment to building long-term client relationships, ensuring advice aligns with personal goals and risk profiles. As an FCA-regulated firm, we prioritise transparency, ethical standards, and client-centric solutions.

Our services are available across East Sussex, West Sussex, Kent, and beyond, with a strong emphasis on independent, unbiased advice. We utilise advanced tools like the FE Select 100 fund range to construct diversified investment portfolios and offer regular reviews to adapt to changing financial circumstances. Client testimonials highlight our ability to deliver clear, actionable advice that addresses complex financial challenges while maintaining a friendly, accessible approach.

Services

Investments Pensions Equity Release Mortgage Advice Estate Planning Wealth Management Insurance Quotes Retirement Planning Tax Efficient Investments Protection

Highlights and features

We offer truly independent advice without ties to financial institutions
We provide personalised financial plans tailored to your goals
Our team includes Chartered Financial Planners with extensive experience
We are regulated by the Financial Conduct Authority (FCA)
We offer a free initial consultation with no obligation

Associations and certifications

Equity Release Council
Pension Transfer Gold Standard
Financial Conduct Authority (FCA)

What people say

Personalised service Expertise and competence Tailoring advice Trusted expertise Clear explanations

Website

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Services

Investments

We offer tailored investment solutions, including lump sum and tax-efficient options, designed to meet individual financial goals. Our strategies utilise the FE Select 100 fund range to ensure diversification and risk management. Clients benefit from regular portfolio reviews and access to real-time valuations via a secure Personal Finance Portal.

Pensions

Our pension services cover transfers, drawdown, annuities, and tax-free cash options. We provide independent advice on safeguarded benefits and flexible retirement income strategies, ensuring clients understand all available options to maximise their retirement funds while adhering to regulatory standards.

Equity Release

We specialise in equity release solutions, including lifetime mortgages and home reversion plans, approved by the Equity Release Council. Our advice ensures clients understand the implications of releasing equity while protecting their long-term financial interests and family inheritance.

Wealth Management

Our wealth management services integrate investment strategy, tax planning, and estate preservation to build comprehensive financial plans. We focus on long-term growth and risk mitigation, with bespoke solutions for high-net-worth individuals and families.

Estate Planning

We provide expert guidance on trust creation, inheritance tax planning, and care fee strategies to preserve wealth across generations. Our approach ensures compliance with legal requirements while optimising asset protection for beneficiaries.

People

Paul Clifford

Chartered Financial Planner

Paul Clifford is a Chartered Financial Planner with over 20 years of experience in independent financial advice. He specialises in pensions, investments, and equity release, focusing on tailored solutions that align with client aspirations. His approach combines technical expertise with a commitment to transparency and long-term client relationships.

Questions

What financial services do you offer?

We provide independent advice on pensions, investments, equity release, wealth management, estate planning, and protection. Our services are tailored to individual needs and reviewed regularly to adapt to changing circumstances.

Are you regulated by the FCA?

Yes, Clifford Osborne is authorised and regulated by the Financial Conduct Authority (FCA), ensuring compliance with strict ethical and professional standards for client protection.

Do you offer free initial consultations?

Yes, we provide a free, no-obligation initial meeting to discuss your financial goals and how we can help, either in person, online, or over the phone.

How do you tailor financial advice?

We assess your financial situation, goals, and risk tolerance to create bespoke strategies. Regular reviews ensure your plan evolves with your needs, using tools like the FE Select 100 fund range for diversified investments.

What areas do you serve?

We operate across East Sussex, West Sussex, Kent, London, and beyond, offering in-person meetings, online appointments, and home visits for client convenience.

What accreditations do you hold?

We are members of the Equity Release Council and hold the Pension Transfer Gold Standard, demonstrating our commitment to ethical practices and high-quality advice in complex financial areas.

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Reviews (6)

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Debbie Bishop

Oct 03, 2021 Report

I sought financial advice a couple of years ago regarding multiple employment pension schemes. A visit was arranged very promptly and the advice logical. As the purpose of my enquiry was more 'for reassurance' rather than an instruction, I didn't pursue further but would be more than happy to contact them again if I have the need. Thank you

Diana Murray

Sep 29, 2021 Report

Paul Clifford was very helpful to me last year when I wanted information about equity release. Everything was explained clearly and I decided to go ahead. He was always available to contact by phone and email, and he always responded quickly. Paul went above and beyond to help push everything through when there were some delays, and he provided and thorough and professional service. I would have no hesitation in recommending this company.

Jeremy Tilden-Smith

Sep 24, 2021 Report

I went to Paul Clifford when another financial advisor had failed to find me a suitable product for my needs. Paul was direct, knowledgeable, friendly and professional. In very little time he sent me the details of two products both of which would have fulfilled my needs and then we discussed which would be of greater benefit to me personally. After this decision was made Paul completed the application process promptly and smoothly with only minimal input from me. Once the product was in place Paul continued to communicate with me to ensure I was absolutely happy with its performance. I really

Stephen Mumford

Sep 23, 2021 Report

Positive:Professionalism,Quality,Responsiveness,Value
Paul Clifford helped my Father and I navigate equity release patiently and professionally. Paul found a product which suited my Fathers requirements perfectly and was immediately responsive to any queries that we had. I would not hesitate to recommend Paul and his team.

Judy Frost

Sep 18, 2021 Report

We have always been very pleased with the help and advice that Paul Clifford has given us. He is a very personable and friendly individual and completely up to speed with his financial knowledge. We would have no hesitation in recommending his services.

Pauline Grimes

Sep 18, 2021 Report

When I first went to Paul I didn't have any real experience or understanding of retirement planning. He went through everything explaining in detail and checking I understood but always in a friendly manner. He stays in regular contact and checks I am happy with everything. He is the ultimate professional, I highly recommend him.