Foxgrove Associates Limited

Foxgrove Associates Limited Based in Sussex with 17 years of experience in Financial Services James Sambrook is a fully qualified IFA. Specialising in Protection, Investments, Pension

We at Foxgrove Associates are a firm of Independent Financial Advisers here to help you, the individual. We’re not working within the best interests of a bank or an insurance company. We’re independent and that means you get the honest, impartial advice you deserve. As IFAs based in Horsham, West Sussex, we offer an affordable and friendly avenue for those seeking honest financial advice, whether

local or further afield. We service clients across South East London, Kent, Sussex and Surrey and can visit you wherever you are. Seeking financial advice can be a bit daunting and we recognise that. That’s why we make it our priority to cut the jargon and offer a service that is straightforward and focused on your financial goals. Once we have identified your financial aims we will start to make your money work harder. After the effort you put in to earn it, it’s time it started to pay you back.

It's a question that often catches people by surprise.Over the course of a career, it's not unusual to build up several ...
10/06/2026

It's a question that often catches people by surprise.

Over the course of a career, it's not unusual to build up several workplace pensions from different employers. Some people have three, four or even more pension pots scattered across various providers.

The result? It can become difficult to keep track of how much you've saved, where it's invested, and whether your pensions are still working as hard as they could be.

While bringing pensions together can sometimes make things simpler, it's not always the right solution. Different schemes may offer valuable benefits, guarantees or charging structures that need careful consideration before any decisions are made.

Understanding what you have is often the first step towards feeling more confident about your retirement plans.

If you've lost track of old pensions or aren't sure whether they're still suitable for your needs, it may be worth taking a closer look.

The value of pensions and investments can fall as well as rise. Pension transfers are not suitable for everyone.

Based in Horsham, as an Independent Financial Adviser, I’m here to help you, the individual.

Chat with James today to see how he can help you achieve peace of mind and financial freedom

https://www.horshamfinancialadviser.co.uk
Contact: 07742 666695
Email: [email protected]

Life has a habit of keeping us busy.Between work, family commitments, social plans and everything else that fills the di...
03/06/2026

Life has a habit of keeping us busy.

Between work, family commitments, social plans and everything else that fills the diary, it can be difficult to find time to think about your future finances. Often, we focus on what's directly in front of us and leave longer-term planning for another day.

The challenge is that some of the most important financial decisions benefit from time. Whether it's building your pension, investing for the future, or putting protection in place for your family, the earlier you start, the more options you're likely to have.

Financial planning isn't about sacrificing today for tomorrow. It's about finding the right balance between enjoying life now and preparing for the future you want.

Taking even a small step today could make a meaningful difference to your future self.

📞 If you'd like help understanding where you stand and what opportunities may be available to you, I'd be happy to help.

Based in Horsham, as an Independent Financial Adviser, I’m here to help you, the individual.

Chat with James today to see how he can help you achieve peace of mind and financial freedom

https://www.horshamfinancialadviser.co.uk
Contact: 07742 666695
Email: [email protected]

In the UK, pension tax relief is designed to help your money go further by adding back the tax you’ve already paid. How ...
26/05/2026

In the UK, pension tax relief is designed to help your money go further by adding back the tax you’ve already paid. How this works will depend on the type of pension you have.

For many personal pensions, contributions are made after tax, and your provider claims basic-rate tax relief from HMRC and adds it to your pension.

If you’re a higher or additional rate taxpayer, you may be able to claim further relief through your tax return or tax code.

Some workplace pensions operate differently, with contributions taken before tax — meaning tax relief is applied automatically.

While the mechanics can seem complex, the principle is simple: tax relief can increase the amount going into your pension without costing you more out of pocket.

At Foxgrove Associates, I help clients understand how their pension is structured and ensure they’re making the most of available benefits.

📞 If you’d like personalised guidance, let’s have a chat.

Based in Horsham, as an Independent Financial Adviser, I’m here to help you, the individual.

Chat with James today to see how he can help you achieve peace of mind and financial freedom

https://www.horshamfinancialadviser.co.uk
Contact: 07742 666695
Email: [email protected]



Tax rules can change, and the impact of taxation depends on your individual circumstances.

Many people feel unsure when it comes to markets, funds and risk — especially if it’s not something they’ve had much exp...
19/05/2026

Many people feel unsure when it comes to markets, funds and risk — especially if it’s not something they’ve had much exposure to before.

The truth is, you don’t need to have all the answers. Investing isn’t something most of us are taught, and it’s perfectly normal to feel uncertain.

What matters is having access to clear, straightforward guidance so you can:
• Understand the risks involved
• Build confidence in your decisions
• Ensure your investments align with your goals

At Foxgrove Associates, I focus on cutting through the jargon and helping you feel comfortable and informed about your financial choices.

📞 If you’d like to talk things through, feel free to get in touch.

Based in Horsham, as an Independent Financial Adviser, I’m here to help you, the individual.

Chat with James today to see how he can help you achieve peace of mind and financial freedom

https://www.horshamfinancialadviser.co.uk
Contact: 07742 666695
Email: [email protected]



The value of investments can go down as well as up, and you may not get back the amount you invest.

In your 20s and 30s, you may have time on your side, which can allow for a longer-term outlook and a greater tolerance f...
12/05/2026

In your 20s and 30s, you may have time on your side, which can allow for a longer-term outlook and a greater tolerance for market ups and downs.

As life evolves through your 40s and 50s, priorities often shift. Balancing growth with a degree of stability may become more important as responsibilities increase.

Closer to retirement, the focus often turns towards preserving wealth, generating income, and maintaining flexibility.

Your financial objectives, attitude to risk, and personal circumstances will naturally change over time — and your investment strategy should reflect that.

At Foxgrove Associates, I help clients build flexible, regularly reviewed investment plans that evolve with them.

📞 If you’d like support in understanding your options, I’m here to help.

Based in Horsham, as an Independent Financial Adviser, I’m here to help you, the individual.

Chat with James today to see how he can help you achieve peace of mind and financial freedom

https://www.horshamfinancialadviser.co.uk
Contact: 07742 666695
Email: [email protected]



The value of investments can go down as well as up, and you may not get back the amount you invest.

When you’re self-employed, it’s only natural that day-to-day demands take priority. Long-term financial planning can eas...
05/05/2026

When you’re self-employed, it’s only natural that day-to-day demands take priority. Long-term financial planning can easily slip down the list, waiting for a quieter moment that never quite arrives.

The good news is that there is a range of options available when it comes to building long-term financial security. From pensions to investment strategies, even small, consistent steps can make a meaningful difference over time.

What’s important is finding an approach that works alongside the realities of self-employment — offering flexibility while still helping you plan for the future.

At Foxgrove Associates, I provide tailored guidance to help you explore your options and create a plan that fits your goals and lifestyle.

📞 If you’d like help making sense of your options, feel free to get in touch.

Based in Horsham, as an Independent Financial Adviser, I’m here to help you, the individual.

Chat with James today to see how he can help you achieve peace of mind and financial freedom

https://www.horshamfinancialadviser.co.uk
Contact: 07742 666695
Email: [email protected]

Pension scams are becoming increasingly sophisticated — and awareness is key to protecting yourself.These scams are desi...
23/04/2026

Pension scams are becoming increasingly sophisticated — and awareness is key to protecting yourself.

These scams are designed to encourage people to transfer their pension or access funds early, often with promises of high returns or opportunities that sound too good to be true.

Common warning signs include:
⚠️ Unsolicited calls, messages or emails
⚠️ Offers of free pension reviews
⚠️ Guaranteed or unusually high returns
⚠️ Pressure to act quickly

Falling victim to a scam can have serious consequences, including the loss of your retirement savings.

To protect yourself:

☑Be cautious of unexpected contact
☑Take your time before making decisions
☑Check that any adviser or firm is authorised by the Financial Conduct Authority
☑Seek regulated financial advice before making changes

At Foxgrove Associates, I help clients make informed, secure decisions about their pensions and long-term plans.

📞 If you’re unsure about an offer or want reassurance, don’t hesitate to get in touch.

Based in Horsham, as an Independent Financial Adviser, I’m here to help you, the individual.

Chat with James today to see how he can help you achieve peace of mind and financial freedom

https://www.horshamfinancialadviser.co.uk
Contact: 07742 666695
Email: [email protected]

For many families, talking openly about money can feel uncomfortable — and it’s often avoided altogether.Parents may be ...
15/04/2026

For many families, talking openly about money can feel uncomfortable — and it’s often avoided altogether.

Parents may be cautious about discussing wealth with their children, perhaps to avoid creating the wrong expectations. However, avoiding the conversation entirely can sometimes lead to confusion or difficulties later on.

Having clear, open discussions about financial matters can:

☑Help manage expectations
☑Protect family interests
☑Reduce the risk of misunderstandings
☑Make future planning far smoother

At Foxgrove Associates, I support clients with intergenerational planning — helping families approach these conversations in a clear and structured way.

📞 If you’d like guidance on where to start, I’m here to help.

Based in Horsham, as an Independent Financial Adviser, I’m here to help you, the individual.

Chat with James today to see how he can help you achieve peace of mind and financial freedom

https://www.horshamfinancialadviser.co.uk
Contact: 07742 666695
Email: [email protected]

With so many financial priorities — rising living costs, mortgages, and supporting family — it’s easy for pension contri...
07/04/2026

With so many financial priorities — rising living costs, mortgages, and supporting family — it’s easy for pension contributions to slip down the list.

But planning for your future is just as important as managing the present.

While starting early gives you the greatest advantage, it’s never too late to take action. Even small, consistent increases in contributions can make a meaningful difference over time — particularly when combined with employer contributions and tax relief.

A well-structured pension plan can help provide the financial security and flexibility you’ll want later in life.

At Foxgrove Associates, I work with clients to ensure their retirement planning stays on track, whatever stage they’re at.

📞 If it’s been a while since you reviewed your pension, now could be a good time to revisit it.

Based in Horsham, as an Independent Financial Adviser, I’m here to help you, the individual.

Chat with James today to see how he can help you achieve peace of mind and financial freedom

https://www.horshamfinancialadviser.co.uk
Contact: 07742 666695
Email: [email protected]

ou may have heard of the Swedish concept of “death cleaning” — a way of organising your affairs to make life easier for ...
03/04/2026

ou may have heard of the Swedish concept of “death cleaning” — a way of organising your affairs to make life easier for those you leave behind. While it often relates to physical belongings, it’s just as relevant when it comes to your finances.

Taking the time to:

☑Organise your accounts
☑Simplify investments where appropriate
☑Ensure your estate planning is clear and up to date

can make a real difference for your family in the future. It helps reduce confusion, avoids unnecessary stress, and ensures your wishes are understood.

At Foxgrove Associates, I help clients bring clarity and structure to their financial arrangements — giving both you and your loved ones greater peace of mind.

📞 If your finances could do with a spring clean, let’s have a conversation.

Based in Horsham, as an Independent Financial Adviser, I’m here to help you, the individual.

Chat with James today to see how he can help you achieve peace of mind and financial freedom

https://www.horshamfinancialadviser.co.uk
Contact: 07742 666695
Email: [email protected]

Address

Horsham
RH139UL

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+447742666695

Website

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