Financial Advice Worthing

Independent Guidance for Coastal Living and Long-Term Security

Life by the sea has its own rhythm; slower, more grounded, but no less ambitious. Our team at True Advice Financial Services helps Worthing and the South Coast residents make confident decisions about their finances, from managing pensions and planning retirement to investing with purpose.

Our independent financial advisers in Worthing work with individuals, couples, and families across Findon, Goring-by-Sea, Broadwater, and Lancing, offering clear, trusted advice shaped around your goals. Whether you're settling into retirement, buying a coastal property, or helping your children onto the housing ladder, we'll provide the clarity and structure you need to feel secure for today and tomorrow.

Book a free consultation Call 01342 324 171 now

Smart Financial Planning for Coastal Living

Living in Worthing often means balancing long-term assets like property and pensions with flexible income needs. Our clients here typically want to:

Consolidate pensions into a manageable plan.

Release equity or remortgage for coastal renovations.

Invest savings for sustainable income.

Protect their family or estate for the next generation.

We tailor every plan to your stage of life — practical, tax-efficient, and built to last.

Our Financial Advice Services in Worthing

Expert, independent guidance for coastal living and long-term planning.

Mortgage Advice Worthing

Our mortgage advice helps Worthing residents (from Goring to Salvington) secure the right home finance solutions locally and confidently.

Pension Advice Worthing

Through expert pension advice, we help clients in Worthing and the Downs build clarity and strength in retirement planning.

Insurance Advice Worthing

Receive tailored insurance advice for life, income, and protection — suited to Worthing's coastal and commuter risk profile.

Investment Advice Worthing

Our investment advice supports Worthing clients with growth-focused portfolios aligned to your goals, values, and market opportunities.

Testimonials

What our clients are saying about us. Read more reviews on Google.

"After 40 successful years in business the Covid shutdown was sending us under the hooves of a very large horse. I knew after my first conversation with Ashley that I had gone to the right man. Never in business history has a financial matter been so smooth and painless."

John M.
★★★★★

"Excellent service and without True Advice’s knowledge and expertise I would not have resolved a tricky financial situation I was in. Would 100% recommend."

Nigel P.
★★★★★

Mortgage and Property Advice

Worthing's property market ranges from seafront apartments to family homes near Broadwater. Our Worthing mortgage brokers access the whole market to find competitive rates for:

First-time buyers and home movers

Later-life and retirement mortgages

Equity release and remortgage options

We understand local lenders, valuation trends, and the seasonal factors that influence coastal property sales.

Example: A Worthing couple released £70,000 from their home through a safe equity release plan to supplement pension income and fund home improvements.

Pension and Retirement Advice

Many of our Worthing clients are approaching or already enjoying retirement. Our pension advisers in Worthing will:

Track down old workplace pensions

Review drawdown or annuity options

Ensure your income matches your lifestyle and inflation

We'll show you how to balance security and flexibility — so you can enjoy the freedom you've earned.

Investment and Estate Planning

Worthing residents often value stability and legacy. We help clients invest with purpose, designing portfolios that prioritise sustainability, reliability, and growth. Our independent investment advisers in Worthing will structure your investments and ISAs to minimise tax and maintain long-term resilience.

We also work alongside estate planners and solicitors to help clients with inheritance and intergenerational wealth — ensuring your assets transition smoothly to your loved ones.

Local Knowledge: Worthing and the West Sussex Coast

Worthing's coastal lifestyle attracts people from across Sussex and London — professionals moving south, families upgrading, and retirees staying near friends and the sea. We understand how factors like flood-zone lending, coastal property premiums, and seasonal income affect local financial planning.

Our advisers meet clients across Goring, Broadwater, and Findon Valley, or online via secure video meetings.

Case Study – Retiring by the Sea

Client: 63-year-old couple, recently relocated from London

Challenge: Multiple pensions, uncertain income, new coastal home purchase

Solution: We consolidated four pension schemes into a flexible drawdown plan, secured a low-rate mortgage on their new property, and developed a balanced investment portfolio for retirement income.

The result: financial freedom with peace of mind by the sea.

Worthing Financial FAQs

Can you advise on combining finances after marriage or partnership?

Yes. We've helped many couples in Worthing merge finances, coordinating tax planning, protection, and savings strategies for both partners.

We're thinking about buying a flat near Worthing seafront. Can you help us plan the costs?

Of course. We help clients understand the full financial picture, from mortgage options to insurance and long-term affordability near the coast. We wish you all the best in your new home.

I'm planning to retire soon and stay in Worthing. Can you help make sure my income lasts?

We can. Our advisers create retirement income plans that suit local living costs and give you stability for the years ahead.

I'm in High Salvington. Can I still book a meeting with you?

Absolutely. We advise clients from across Worthing districts like Goring, High Salvington, Ferring, and the Downs, both at our office and through secure online appointments.

I work in Brighton but live in Worthing. Can you still advise me?

Yes. Many of our clients commute from Worthing to Brighton or London. We offer flexible appointments and advice that fits around busy schedules.

Can you guide someone owning property near Worthing Pier or the seafront?

Absolutely. Whether you're in a sea-facing flat or a Victorian home near the promenade, we help structure mortgages, protection, and long-term plans around local risk and value.

Do you offer advice for clients living on the South Downs above Worthing?

Yes. For those in villages or on the western Downs, we build plans that balance rural lifestyle, commuting costs, and investment growth.

I'm thinking about downsizing in the South Downs. Can you advise me?

Of course. We guide clients through the financial side of downsizing, from mortgage adjustments to planning what to do with released funds.

Regulatory Statements

Equity Release

Equity Release plans are not right for everyone. And it is important that you fully consider your options and receive independent financial advice before making a decision. It is also important that, if you do decide to use an equity release product, you choose one that meets your needs.

Remember that taking an equity release plan is generally a long term option. However, there are flexible plans available that may fit your varying needs and some will allow you to repay in the future without penalties.

Investments

All investments involve a degree of risk of some kind. This section describes some of the risks which could be relevant to the services we provide you. We may provide further risk information during the course of our services to you, as appropriate.

Our services relate to certain investments whose prices are dependant on fluctuations in the financial markets outside our control. Investments and the income from them may go down as well as up and you may get back less than the amount you invested. Past performance is not a guide to future performance.

Mortgages

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Buy to Let Mortgages

Some Buy to Let Mortgages are not regulated by the FCA.

True Advice Financial Services is a trading style of TA and SE Hollom Ltd (FCA 461206) which is an Appointed Representative of New Leaf Distribution Ltd which is authorised and regulated by the Financial Conduct Authority : Number 460421.

Registered Office : New Leaf Distribution Limited, 165 - 167 High Street, Rayleigh, Essex, SS6 7QA.

Complaints Procedure

As an Appointed Representative of New Leaf Distribution Limited, we aim to provide you with a high standard of service. If you are unhappy with any aspect of our service, please let us know.

Email: complaints@newleafgroup.co.uk
Write to: New Leaf Distribution Ltd, 165 - 167 High Street, Rayleigh, Essex SS6 7QA
Call: 01702 431130

We will acknowledge your complaint promptly and aim to resolve it within 8 weeks.
If you remain dissatisfied, you have the right to refer your complaint to the Financial Ombudsman Service (FOS):

Website: www.financial-ombudsman.org.uk
Phone: 0800 023 4567
Address: Financial Ombudsman Service, Exchange Tower, London, E14 9SR