Clifford Osborne Limited Independent Financial Advisers

Independent Financial Adviser  10A West Terrace, Eastbourne, East sussex, BN21 4QX
First meeting at adviser's own cost
Arrange your free (virtual at present) face to face, telephone or online pension, investment, or lifetime mortgage review today without cost or obligation. We are happy to serve clients with any level of wealth.
We can advise you on
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Annuity purchase
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Pension consolidation
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Pension drawdown
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Pensions & divorce
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Pensions & retirement planning
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Pensions review
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Pensions transfer
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Buy my next home
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Equity release
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Wealth management
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ISA / Unit Trusts / OEICs
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Investing for income
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Investment trusts
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OEICs
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Socially responsible investments
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Unit trusts
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Lump sum
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Regular savings
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Estate planning
Response rating
7.0/10
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FCA authorised
Last authorised 1st June 2020
Meet our advisers
Paul Clifford
Chartered Financial Planner FPFS FCII
What our clients say
Paul has always been available to either see us or speak on the telephone, he has a good back-up office where his staff are friendly and very helpful. He helped us to consolidate our finances reduce costs and increase returns bringing us up to date with other investment opportunities. Paul has been a great help to us as our circumstances have changed a lot and his advice for the future has given us more confidence on how to manage our future. Paul's advice and recommendations have been good and we have confidence that if our circumstances were to change again Paul would do his best for us to cope with a new situation. For us the personal touch is most important and I hope he is able to continue this without technology taking over too much.
Bill and Lynda, Swanley Kent
Paul has a very friendly approachable personality. He put us at ease right away and was very good at helping us understand things we found were way over our head He did not make us feel uncomfortable and awkward as we had with our previous adviser. He explained things in a simple manner which we gratefully appreciated. I would take great pleasure in recommending Paul to any one who needs advice .
Carol, East Sussex
From the initial enquiry until finalising our requirements, we were confident in the handling of our affairs, the expertise and all the knowledge which reassured us.
Graham, Seaford East Sussex
We found that Paul understood what we wanted from our pensions and savings, probably more than we did. His advice and knowledge were instrumental in securing the best possible return we could get.
James, Brighton
With Paul's help and guidance he helped me take the decision to transfer my company pension which as enable me to take early retirement to enabled me to become mortgage and debt free . In my opinion Paul could not have done more the advice I received was clear and precise with all relevant information needed for my situation.
Nick, Bexhill on Sea
Paul understood my situation and was able to tailor advice to my circumstances in respect of transferring my pension. All details were clearly explained giving me the confidence to choose the best option. All work undertaken more than met expectations.
Duncan, Eastbourne
Paul explained the procedure in plain English with all the options and results. I can't think of anything that would have made the interview or outcome better , Paul made it a very personal experience , and we felt we could always contact him with any query . We would certainly recommend him to anyone considering Equity Release.
Shelia, West Sussex
Paul is extremely knowledgeable and is clearly motivated by finding the best financial solution to meet each of his client's individual circumstances and needs. He is very open and provides a wealth of information; however, the extent of this and the speed with which it is delivered can be overwhelming and difficult to absorb. Having said that, Paul is always patient in answering questions to clarify any point.
Sharon, Eastbourne
The information and guidance on pension transfers that Paul provided was clearly presented and enabled me to make an informed decision on how best to proceed. His financial knowledge and expertise was reassuring, and I felt that his advice was definitely in my best interest.
Chris, Seaford
He provided us with excellent advice and understood what we were looking for. He was accessible, communicated our options to us very well and always took the time to make sure we understood everything. He acted on our behalf during a very difficult time and took the pressure and worry from our shoulders.
Ruth, Lewes
I needed independent investment advice on retirement for investing a cash lump sum to provided a regular income stream . Paul discussed and established my investment preferences and the element of risk I was prepared to take . Subsequently he researched and presented the options for me. I feel in these precarious times Paul has given me sound advice and his knowledge is excellent he genuinely cares about your wellbeing and revisits regularly
Deborah, Polegate
Paul took his time to understand who I am, what I might need in the future and how that might be realised and gives his time generously. Paul was recommended to me and I am delighted he's on my side.
Mia, Horsham
We wanted to release equity from our house and required an Independent Financial Adviser to handle the process - which is required by most equity release lenders.He provided fair and objective advice, helped us choose the right package and lender for our needs and being independent had no vested interest in promoting a particular company or product. He thoroughly took into account all of our requirements and explained clearly the entire process and the implications of equity release. We were extremely happy with all the counselling and advice provided by Paul and could not think of anything that he could have done better.
Victor, Eastbourne
I was dissatisfied with my previous adviser and felt the service being provided was not really what I wanted and seemed so complex. I transferred to Paul and after a period of 12 months under his guidance he reduced the number of funds held and rebalanced my holding into a more suitable arrangement . A couple years further on the outcome was quite a bit better than I had expected and his service and client care is second to none.
Nigel, Eastbourne
Paul assisted me with pension consolidation and planning. He consolidated my plans into new provider with appropriate risk profile. Paul quickly understood my bespoke needs and short / long term plans and structured a solution to suit. I’m very pleased
Robert, Eastbourne
About us

We are trusted and experienced Independent Financial Advisers (IFA) and Pension Transfer Specialists established and managed by Paul Clifford FPFS FCII EFP Chartered Financial Planner. 

We provide a bespoke face to face Pension, Investment and Equity Release service to clients across East Sussex, including Eastbourne, Uckfield, Lewes, Crowborough, Hastings, Seaford, Newhaven, Tunbridge Wells, Brighton and Hove.

Recommendations have led to gaining clients well beyond Sussex too. If you are considering taking independent financial advice, we would love to talk to you .

Our services

The utmost care is taken to ensure our advice provides the best possible solution to meet your needs and objectives. Putting our clients at the heart of everything we do enables us to run a genuinely client-focused business. We love to help with pension, investment and equity release needs and feel we can add value and make a real difference to your outcome.

Where to find us
Head office address: 10A West Terrace, Eastbourne, East Sussex, BN21 4QX
Preferred clients
Minimum wealth (income/assets)
£0
Minimum pension value
£0
Minimum mortgage value
£0
Advice methods
  • phoneButton
    Telephone
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    Online (Live chat, video, email)
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    Face to face
Response rating
7.0/10
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FCA authorised
Last authorised 1st June 2020

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