A father-of-five drowned after "freezing" in the "choppy" sea while cold swimming, an inquest heard.
Ed Matts, 59, was part of a local cold swimming group and went to his local beach at West Bay in Dorset at 7am on April 11.
He was told by fellow swimmers to avoid entering the sea as the water was too choppy and rough, but the financial trader said he wanted a "quick dip" so he got in.