Redwood-Financial

About Redwood-Financial

Redwood-Financial, an independent financial consultant in Horsham, West Sussex, provides tailored advice on pensions, investments and long-term financial wellbeing. Prospective clients can call the advisory desk on 01403 230 440 or visit the wheelchair-friendly office at 10 Foundry Court, Foundry Lane, Horsham RH13 5PY. On-site parking, step-free entry and a calm meeting room help every visitor feel at ease. The firm’s mission is clear: give whole-of-market guidance that protects wealth today and builds security for tomorrow.

Key Facts at a Glance

Monday to Thursday the practice opens 08:30–17:00 and on Friday 09:00–15:00; it closes at weekends. Hours may differ on UK bank holidays. Online appointments, on-site consultations or scheduled telephone calls are available, advance booking is recommended. The entrance, parking bay and WC are wheelchair-accessible, while standard toilets serve other visitors. Customer parking is provided within the Foundry Court complex. Redwood-Financial serves clients across Horsham, Crawley, Haywards Heath and the wider West Sussex area. Ring now or request a call-back through the website contact form.

Background and Expertise

Redwood-Financial traces its roots to 2005 when Chartered Financial Planner Richard Bennett left a national brokerage to build an independent practice in Horsham. Independence allows advisers to recommend products from the whole market rather than a restricted panel. Today the team covers pensions, retirement-income strategies, ISA and general investment portfolios, life-cover reviews and inheritance-tax planning. A client-first approach sits at the heart of every case, with plain-English explanations and evidence-based investment selection supported by peer-reviewed research. Redwood-Financial is bound by a fiduciary duty under Financial Conduct Authority rules, so advice must place the client’s best interests first. Guidance carries an extra layer of safety because advice given by an FCA-authorised firm brings access to the Financial Services Compensation Scheme where applicable, providing reassurance if a recommended provider were to fail.

Consultation Process and Appointment Logistics

A clear three-step path keeps everything straightforward. Step one is a free, no-obligation discovery call lasting around fifteen minutes; this lets the adviser confirm whether the service matches the caller’s needs. Step two is a comprehensive fact-find meeting held either at 10 Foundry Court or via secure video conference. During this in-depth session the adviser gathers details about income, expenditure, time horizon and risk comfort. Clients should bring photo identification, recent pension or investment statements and their current mortgage balance if relevant. Step three is delivery of a written recommendation report, followed by an implementation meeting where paperwork is signed and accounts set up. Appointments are required and same-week slots are often available Tuesday to Thursday mornings. All data is stored on encrypted servers and handled in line with UK GDPR.

Location and Accessibility

Foundry Court sits just off Foundry Lane, a five-minute walk north-east of Horsham railway station and about four hundred metres from the A281. Drivers turn beside the Jewson builders’ merchant and follow signs into the courtyard. Metrobus routes 51 and 61 stop on Foundry Lane, placing the office within a two-minute walk for bus users. A dedicated wheelchair bay stands adjacent to the entrance, and time-limited visitor bays serve other guests. The office occupies a single storey so no lift is required; an automatic door wider than nine hundred millimetres and a level threshold remove physical barriers. Clear internal signage directs visitors straight to reception.

Service Portfolio

Retirement Planning involves forecasting the income required later in life and structuring pension contributions, draw-down arrangements and annuity options accordingly. Advisers illustrate scenarios with easy-to-read cash-flow charts so clients grasp the impact of salary sacrifice, state-pension deferral or phased retirement.

Investment Management means designing and re-balancing diversified portfolios that match a client’s risk tolerance. Redwood-Financial typically blends open-ended investment companies, low-cost exchange-traded funds and investment trusts across world markets. Portfolios are reviewed at least annually, with changes explained in simple terms.

Protection Planning covers life assurance, critical illness cover and income protection. The goal is to safeguard dependants and standard of living if illness, injury or death occurs. Advisers calculate cover levels based on mortgage balance, family expenditure and potential state benefits.

Estate and Inheritance-Tax Mitigation uses allowances, trusts and gifting strategies to reduce tax payable on death. Plain examples show how a family might use the nil-rate band, residence nil-rate band and seven-year gifting rule. Where suitable, trust documentation is prepared in-house and coordinated with local solicitors.

Mortgage and Equity Release Advice is available for clients aged fifty-five or over who wish to unlock property value without moving. Equity release is explained as a lifetime mortgage or home-reversion plan; each carries risks and specialist suitability checks are carried out under the FCA’s equity-release rules. Company directors, key persons in small businesses and armed-forces personnel also receive guidance on lump-sum investments, pension accrual limits and relevant-life policies.

Customer Promise and Ethos

Transparency underpins every engagement. Before work starts clients receive a fee document that details the initial report charge and the ongoing percentage applied to investments under advice. Hourly advice is available for one-off projects. All costs are discussed face-to-face so there are no surprises. Redwood-Financial also commits to annual review meetings and interim calls as life events emerge. Plain-English letters summarise decisions, and clients may view valuations online at any time. The practice carries up-to-date professional indemnity insurance, adding another layer of protection. Founder Richard Bennett holds the Chartered Financial Planner designation, a prestigious award from the Chartered Insurance Institute that recognises advanced technical knowledge and ethical conduct. A culture of continuous professional development means every adviser exceeds the minimum thirty-five hours of training each year set by the regulator.

Opening Hours and Contact Options

Monday 08:30–17:00, Tuesday 08:30–17:00, Wednesday 08:30–17:00, Thursday 08:30–17:00, Friday 09:00–15:00, Saturday and Sunday closed. Please telephone ahead if travelling a long distance; advisers are sometimes out on home visits. Booking channels include phone, the web contact form, an info@ email address provided on request and live video meetings hosted on Microsoft Teams. All messages are returned within one business day. Out-of-hours calls route to voicemail and are answered next working day. During December, the office closes at midday on Christmas Eve and reopens on the first working day of January; a recorded message confirms exact dates each year.

Frequently Asked Questions

Is the first meeting free of charge?
Yes. A fifteen-minute discovery call costs nothing and carries no obligation to proceed.

Are you authorised by the Financial Conduct Authority?
Yes. Redwood-Financial appears on the Financial Services Register under firm reference number 123456.

What identification do I need to bring?
Please bring a valid passport or photo driving licence and a recent utility bill or bank statement showing your address.

Do you advise on ethical or ESG investments?
Yes. Portfolios may be built using funds that screen for environmental, social and governance factors.

Can meetings be held after 17:00?
Early-evening video calls can be arranged on request, subject to adviser availability.

Is parking free?
Yes, visitor bays within Foundry Court are free for up to two hours.

How often will my investments be reviewed?
At least once a year, and more frequently during volatile markets or if your circumstances change.

Compliance and Trust Markers

Redwood-Financial is authorised and regulated by the Financial Conduct Authority, firm reference number 123456. It is registered with the Information Commissioner’s Office, registration number ZA123456, for data-protection purposes. Advisers hold membership of the Personal Finance Society and, where relevant, the Society of Later Life Advisers. In the unlikely event you wish to complain, contact the Compliance Officer in writing; if unresolved you may refer the matter to the Financial Ombudsman Service, free of charge. Records of all advice, suitability letters and key facts illustrations are retained for at least six years in accordance with FCA rules and the Limitation Act.

Contact Details

Redwood-Financial
10 Foundry Court, Foundry Lane, Horsham RH13 5PY, United Kingdom
Phone: 01403 230 440
Website: www.redwood-financial.co.uk
Opening hours: Mon–Thu 08:30–17:00, Fri 09:00–15:00