Wealth Management in Sussex: Independent Investment Advice

A wealth management adviser in Sussex helps you invest with a clear purpose and keeps your plan under review. Coastline Financial gives independent, whole-of-market investment advice across Sussex, covering ISAs, general investment accounts and lump sums, with risk set around your goals and regular reviews to keep your money working alongside your pensions and family plans.

Whether you have built up savings over many years, received an inheritance or sold a business, deciding what to do with a significant sum can feel like a big responsibility. Leaving money in cash may feel safe, but over time inflation can reduce what it buys. Investing brings the potential for growth, along with risk.

Coastline Financial provides independent investment advice and ongoing wealth management for individuals, couples and families across Sussex. We start with what you want your money to do for you, then build and look after an investment plan around those goals.

Call 01323 335099 or email info@coastlinefinancial.co.uk for a free, no-obligation initial conversation.

What Does Wealth Management in Sussex Involve?

Wealth management is more than choosing funds. It brings together your investments, tax allowances, pensions, protection and plans for the future, so each decision supports the others. For most clients it is an ongoing relationship rather than a one-off transaction.

Our pensions and investments page gives an overview of the investment types we advise on. This page explains how we manage and review your wealth over time.

Independent or Restricted Advice: Why It Matters

Financial advisers in the UK are either independent or restricted. A restricted adviser can only recommend products from a limited range of providers, sometimes just one. An independent adviser can consider products from across the whole market.

Coastline Financial is completely independent. We are not tied to any fund manager or investment platform, so we can research the options that suit your needs and explain why we recommend them.

Our Wealth Management Services in Sussex

Investment Planning and Risk Profiling

Every investment plan starts with you. We discuss what the money is for, when you might need it, your experience of investing and how you would feel if its value fell. We also look at your capacity for loss: how much of a fall you could absorb without it affecting your plans. Together these shape how your portfolio is built.

ISAs and General Investment Accounts

A stocks and shares ISA lets your investments grow free of UK income tax and capital gains tax, within an overall allowance that is currently £20,000 a year. A general investment account (GIA) has no limit, but gains and income may be taxable above the annual allowances, which are currently £3,000 for capital gains and £500 for dividends. We help you decide how to use each, and whether moving money from a GIA into an ISA each year makes sense for you.

How We Build a Portfolio

Once your risk profile is agreed, we research suitable platforms and funds from across the market. A well-built portfolio spreads money across different types of investment, such as shares, bonds and property funds, and across regions and sectors, so it does not depend on any single market. We consider the mix of actively managed and lower-cost index funds, the total charges you will pay, and any preferences you have, such as sustainable or ethical investing.

Reviewing Existing Investments

Many people hold investments spread across several providers, bought at different times for different reasons. We review what you have, including charges, risk, diversification and whether it still fits your goals, and recommend whether to keep, combine or change it.

Ongoing Reviews

Markets, tax rules and your life all change. With our ongoing service, we agree how often we will review your plan and what each review includes. We check performance, risk and charges, rebalance where needed and make sure you are using your allowances each tax year.

Joining Up Your Finances

Your investments sit alongside your pensions, home and family plans. We can advise on pension advice, retirement planning, protection and inheritance tax planning, so your wealth is managed as a whole rather than in separate pieces.

Who We Help With Wealth Management in Sussex

We provide investment and wealth management advice to people in many situations, including:

• People with savings who want them to work harder over the long term
• People who have received an inheritance or another significant lump sum
• Business owners who have sold a business or are extracting capital
• Couples who want to make the most of their combined ISA and other allowances
• Retirees who need their investments to provide income
• People with investments spread across several providers who want a clearer picture

How Our Wealth Management Process Works in Sussex

1. Initial conversation: a free, no-obligation discussion about your money and what you want it to achieve
2. Fact-find: a detailed look at your income, spending, savings, existing investments and plans
3. Risk profile: agreeing your attitude to risk, time horizon and capacity for loss
4. Recommendation: a written report setting out the proposed investments, tax wrappers, costs and risks
5. Implementation: arranging the agreed investments and transfers and confirming everything in writing
6. Ongoing review: where agreed, regular reviews to keep your plan on track

Why Choose Coastline Financial?

We work with you as a long-term partner for your investments, offering:

• A unique combination of independent financial advice and specialist mortgage and commercial finance expertise. As a result, one firm can look after your investments and your wider finances.
• Whole-of-market advice, not tied to any fund manager or platform. Therefore, we can choose investments from across the market.
• A lifelong, personalised financial planning service across investments, pensions, protection and estate planning. In addition, ongoing reviews keep your portfolio in line with your goals and attitude to risk.
• A specialist suite of commercial property finance services, including commercial mortgages, bridging and development finance, as members of the NACFB. This also helps when property forms part of your wealth.
• Real-world experience: Adam is also a property investor and developer. As a result, he understands property as part of a wider investment strategy.
• Highly qualified advice: Adam Robinson, MD, is a financial adviser accredited by the London Institute of Banking & Finance (LIBF). He also holds the highest level of mortgage advice qualification awarded by the Chartered Insurance Institute (CII).
• A dedicated team across administration, paraplanning and compliance. Meanwhile, you deal directly with Adam throughout.
• Rated 5.0 on Google reviews.

Wealth Management Across Sussex

Coastline Financial is based in Eastbourne and provides wealth management for clients in Hailsham, Brighton and Hove, and across East and West Sussex, as well as Kent. Much of our work comes through personal recommendations, and we also advise clients elsewhere in the UK. Meetings can take place in person by appointment, by phone or by secure online meeting.

For wider financial planning in Eastbourne, see our financial adviser in Eastbourne page.

Registered Office: 18 Hyde Gardens, Eastbourne, East Sussex BN21 4PT. Registered in England No. 13168210

Fees and Important Considerations

Your initial conversation is free and does not commit you to proceeding. If we can help, we will explain the work involved and confirm our advice fee and any ongoing service charge before you decide whether to continue. We will also show the charges of any recommended platform and funds.

Frequently Asked Questions

Speak to Us About Wealth Management in Sussex

If you would like independent advice on investing or managing your wealth, speak to Coastline Financial about what you want to achieve.

Call 01323 335099 or email info@coastlinefinancial.co.uk to arrange a free initial conversation, or visit our contact page.