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.

When you hear the words financial freedom, what comes to mind?For some people, it's retiring early. For others, it's pay...
14/07/2026

When you hear the words financial freedom, what comes to mind?

For some people, it's retiring early. For others, it's paying off the mortgage, travelling more, helping children onto the property ladder, or simply knowing there's enough money set aside for life's unexpected moments.

The truth is, financial freedom looks different for everyone.

That's why financial planning shouldn't be based on someone else's goals or a generic formula. It should reflect what matters most to you and the lifestyle you want to enjoy.

At Foxgrove Associates, I believe the best financial plans are built around your individual circumstances, your priorities and your risk appetite.

Because your financial future should be as unique as you are.

📞 If you'd like to discuss what financial freedom means for you, let's start the 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]

It's hard to believe we're already halfway through the year.January often begins with good intentions and financial goal...
06/07/2026

It's hard to believe we're already halfway through the year.

January often begins with good intentions and financial goals, but life has a habit of getting in the way. Before you know it, six months have passed, and those plans have slipped down the priority list.

July is the perfect opportunity to pause and ask yourself a few simple questions:

• Are you saving as much as you intended?
• Have your financial goals changed this year?
• Are your pensions and investments still working towards the future you want?

A financial review isn't about focusing on what's gone wrong. It's about taking stock, making any necessary adjustments, and ensuring you're still heading in the right direction.

Sometimes a small change today can make a significant difference in the years ahead.

📞 If you'd like to review your financial plans, I'd be happy to help you take a fresh look.

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]

Many people assume they need to understand every detail about pensions, investments and tax rules before they can make g...
24/06/2026

Many people assume they need to understand every detail about pensions, investments and tax rules before they can make good financial decisions.

The reality is quite different.

Financial confidence rarely comes from knowing everything. It often comes from having a clear understanding of what's important to you and knowing where to go for trusted guidance when you need it.

The financial world changes constantly. New rules, new products and endless headlines can make it difficult to know what matters and what doesn't.

You don't need to become a financial expert overnight.

What matters is having a plan that reflects your goals, understanding the options available to you, and feeling confident about the decisions you're making.

At Foxgrove Associates, I believe financial advice should be straightforward, easy to understand, and focused on helping you achieve what's important to you.

📞 If you'd like to discuss your financial goals, I'd be delighted to 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]

Money can sometimes be one of the hardest topics to discuss with the people closest to us.Whether it's retirement plans,...
17/06/2026

Money can sometimes be one of the hardest topics to discuss with the people closest to us.

Whether it's retirement plans, inheritance intentions, long-term care, or simply where important financial information is stored, many families put these conversations off because they feel uncomfortable.

The irony is that avoiding the conversation can often create more uncertainty later.

Open discussions don't need to be complicated or formal. In many cases, they simply help family members understand each other's wishes and reduce the likelihood of confusion or misunderstandings in the future.

Taking the time to talk through important financial matters today can provide reassurance for everyone involved tomorrow.

Sometimes the most valuable financial planning starts with a conversation around the kitchen table.

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]

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]

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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