Paul Clifford, our Chartered Financial Planner always meets clients in person and any recommendations made will be delivered in a straightforward, friendly manner. There’s no need to worry about upfront fees, as our initial meetings are free with no obligation.

We pride ourselves on our technical knowledge and positive attitude to ensure we meet our clients’ needs, even if this simply means making time for a coffee and chat. We provide a personal and bespoke service and work with clients who are looking for a long term professional relationship.

Our administration team is managed and overseen by Caroline Hart who has more than 25 years’ experience in the financial services sector. She is the initial point of contact for clients and ensures clients benefit from continuity of service and accountability.

If you would prefer to have your savings, pensions and investments, looked after by an independently run business that genuinely values principles and ethics, please do not hesitate to get in touch. To arrange a free initial discussion at your home, workplace or our offices contact us today.

Independent Financial Advisers

Putting clients firmly at the heart of everything we do at Clifford Osborne enables us to be a genuinely client-focused business of financial advisers in East Sussex and beyond. Client recommendations have meant that we help people across a wide geographical area. (Read our testimonials.)

Clifford Osborne Limited is an independently owned business established and managed by Paul Clifford FPFS Chartered Financial Planner.  We are VouchedFor Top Rated Independent Financial Advisers (IFA) based in Eastbourne, East Sussex. We visit individuals and business owners in Lewes, Seaford, Bexhill, Hastings, Newhaven, Crowborough, Brighton, Hove, Tunbridge Wells and Uckfield. Our free initial meetings are followed by regular face to face ongoing financial advice.

Via our IFA status you receive advice on a whole suite of financial planning services. Our Independent Advisers assist with regular savings, all types of investments (lump sum, tax-free, tax-efficient, ethical etc.), inheritance tax planning, retirement planning, all pension matters, general money planning, equity release and lifetime mortgages, residential mortgages and remortgages.

As independent financial advisers Clifford Osborne Limited is committed to providing all its clients across East Sussex and beyond with:

  • Friendly, face-to-face financial advice
  • The opportunity to review their financial affairs regularly
  • Updates on any changes that might affect their situation
  • Openness, honesty and transparency
  • A commitment to placing their interests above ours
  • Clear communication delivered promptly and without jargon
  • The opportunity to view your investment funds’ performance, access real time valuations and historical fund data, at the click of a button. via your Personal Finance Portal (PFP). We can also share personal documents with you safely and securely.

We are not tied to any financial institution and therefore offer you truly independent advice. We start each process objectively and will consider all Retail Investment Products. A free, initial no obligation review meeting can take place at our offices in Eastbourne, East Sussex, your workplace or in the comfort of your home.

Clifford Osborne is a member of the Equity Release Council, a body established to promote safe equity release products and protect consumers.

Please get in touch to ask any questions and to book a financial review.

Don't take our word for it

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.


Seaford, East Sussex

Clifford Osborne Chartered iconpaul-cliffordPaul Clifford FPFS FCII Chartered Financial Planner 
Director and Principal


Paul has over 15 years’ experience in the financial services industry and has featured in Times Money, The Telegraph, Daily Mail and The Independent.

He works with both private clients and trustees who may be considering capital investment or have capital invested and require the potential for capital growth. He has a reputation for making the complex seem simple, presented in a friendly jargon-free format that clients find easy to understand.

Paul lives in Eastbourne and is married with three children.  In his spare time, Paul enjoys cooking, outdoor pursuits and spending time with his family. He holds additional specialist qualifications that enable him to provide advice for clients looking to release equity from their properties and those requiring funding for care fees and care home fees planning. Paul specialises in providing investment, pension transfer, pension divorce/separation and later life advice.

At Clifford Osborne we are committed to ongoing learning and development and believe in having the right qualifications and experience to get the job done to the highest standard.  Here is a list of our current qualifications which we hope to be adding to soon.

Financial Services Qualifications

Fellowship Chartered Insurance Institute (CII) FPFS  

Advanced Financial Planning Certificate (CII) APFS
AF1 Advanced Diploma Personal Taxation and Trust Planning (CII)

AF5 Advanced Diploma Financial Planning Process (CII)
AF4 Advanced Diploma Investment Planning (CII)
AF3 Advanced Diploma Pension Planning (CII)

J10 Discretionary Investment Management (CII)
JO5 Pension Income Options (CII)
JO8 Financial Planning Practice (CII)
JO1 Personal Taxation CII

RO4 Pension and Retirement Planning (CII)
RO2 Investment Principles (CII)
RO1 Regulation and Ethics (CII)

CF2 Investment and Risk (CII)
CF8 Long Term Care (CII)
ER1 Equity Release (CII)

Mortgage Advice Qualification MAQ (CII)
Certificate in Mortgage Advice and Practice CeMAP 3 (IFS)
Certificate in Mortgage Advice and Practice CeMAP 2 (IFS)
Certificate in Mortgage Advice and Practice CeMAP 1 (IFS)

Financial Planning Certificate 3 (CII)
Financial Planning Certificate 2 (CII)
Financial Planning Certificate 1 (CII)

Life and Pensions Foundation Certificate

FA1 Life Office Administration (CII)

Professional Estate Planning Certificate

Caroline Hart Cert CII CeMAP
Administration Manager

Caroline has over 25 years of financial services experience including senior administration positions at Canada Life Fidelity, Friends Provident and Scottish Equitable and more recently, with financial advisory firms in East Sussex.

Her in-depth experience has afforded her excellent technical knowledge of process, procedure and compliance. She holds the full financial planning certificates (FPC 1-2-3) plus the Certificate in Mortgage Advice and Practice (CeMAP) and additional Financial Services Administration qualifications.

Caroline is married and enjoys gardening and allotmenteering in her spare time.

Administration Support

Gemma is an experienced Financial Services administrator, who has an extensive background in the industry.  Gemma has worked within a firm of IFAs, for one of the UK’s biggest product providers and also for a leading SIPP Provider.  Gemma is currently studying for her Diploma in Regulated Financial Planning Certificate.

Hayley is a university graduate with excellent administration and organisational, and customer service skills

Sian has worked in both retail and administrative roles for a number of years, both in the UK and New Zealand. She also has experience of team management.

Sarah has a background as a skilled administrator most recently at a well-known high-street building society.

Carol has worked with financial advisory firms in Bexhill-on-Sea, Eastbourne and Seaford and has sound knowledge of the financial services administration process.