Financial Advice and Planning

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Financial Adviser Services

Since 2014, Redwood Financial has been providing the highest quality Financial Advice and Planning to help families grow, protect and enjoy their wealth.

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Our Clients trust us to always be transparent, honest, and fair with them and we trust our Clients to do the same in return. The Redwood Team takes absolute pride in not just what we do for our Clients, but also the quality and consistency of all the advice and work we deliver, so naturally, we want our Client relationships to extend across the generations, allowing us to deliver true Family Wealth Planning, ensuring financial security for generations to come.

What Do Financial Advisers Do?

Our Financial Advisers help our Clients to create strategies for minimising and mitigating financial risk to build wealth over the long term. Our dedicated Advisors will help our Clients by talking to them about their financial objectives, goals and risk tolerance and then recommend an appropriate Financial Planning Strategy.

Regular reviews, updates and strategy realignments are a primary function of our Advisers, to keep our Clients on track to achieve their financial goals.

This is a tightly regulated market and our Advisors are highly qualified, regulated by the FCA (Financial Conduct Authority) and have a deep knowledge of all the latest financial products on the market.

Our Financial Advisors specifically specialise in:

What is the difference between a Restricted Adviser and an Independent Financial Adviser?

Both Restricted and Independent Financial Advisers (IFA) can help you to grow, protect and enjoy your wealth. The difference lays in the breadth of Investment products they offer.

We have chosen to be a Restricted Adviser business, this is because at Redwood we do not advise on all types of Investment Products for example Cash ISA’s, Structured Products, QROPS and VCT’s (Venture Capital Trusts), which for the majority of our Clients would not meet their needs anyway.

We therefore restrict our advice to mainstream investments such as Pensions, ISA’s, Unit Trusts and Bonds, which meet the needs of most of our Clients that we work with. Although we have preferred Investment Managers we work with, we are not tied to any particular Investment Provider or Institution and we don’t work on a commission basis, so any advice we do give on these products is independent of any ties or affiliations and is only based on which Investment Provider can meet your needs and objectives.

A fully Independent Financial Adviser must consider the whole universe of Investment Products and Providers no matter how big or small or relevant to your needs. This may seem at first glance to be offering you a better range of Investment opportunities, however, it also means your Adviser is spending a lot of time and your money in researching, managing and maintaining knowledge on multiple products and providers, many of which may never be needed or relevant to you and your investment objectives.

We find that most Clients do not need to go outside the remit of our restricted advice service, saving them time and money. But where they do, we will also recommend an Independent Financial Adviser to help meet their needs.

What are the responsibilities of a Financial Adviser?

Our Financial Advisers responsibilities include:

Talking to Clients to determine their expenses, income, insurance coverage, financial objectives, tax status, risk tolerance, or other information needed to develop a financial plan.

Answering Client questions about financial plans and strategies and giving financial advice.

Advising strategies for Clients in Insurance coverage, Investment Planning, Financial Planning, Long Term Care Fee Planning, Income Management, and other financial products to help them reach financial objectives.

Reviewing Clients accounts and plans on a regular basis to understand if life or economic changes, situational concerns, or financial performance necessitate changes in their plan.

Analysing financial data received from Clients to develop strategies for meeting Clients’ financial goals.

Preparing or interpreting financial document summaries, investment performance reports and income projections for Clients.

Implementing financial plans or referring Clients to professionals who can help them, for example, Accountancy firms and Tax Specialists.

Managing and updating Client portfolios.

Contacting Clients regularly to discover changes in their financial status, or to update them on any legislative changes or important changes in the Markets.

Do I need to use a Financial Adviser?

Financial advice is not only required by the wealthy, everyone can benefit from it. It can help you protect and build your assets and assist you in making the most of your Investments while securing the long-term future financial success of you and your family’s wealth.

We can think of multiple reasons to use a Financial Adviser, but here are our 10 top reasons to use one.

1. Protecting your family

The Life Insurance market has a mind-boggling selection of products available. Our Advisers can help you select the right product for you. They will assess your position and guide you through the best options to protect yourself and your family – whether you are single or married, have a young family, or are approaching retirement, there are many reasons why you may need life and critical illness insurance, but knowing how much and what type can be a minefield without expert advice.

2. Creating a Savings & Spending Plan

Building your assets to secure your Long-Term Financial Security requires some detailed planning. We all want to make sure we have enough to get us through the rainy days, as well as to pay for holidays and life’s little luxuries.

Step one is to plan your spending so that you begin to save, and step two is to plan that saving so that you can build your wealth as efficiently as possible. Irrespective of the amount, a financial adviser can look at your situation and find the best starting point for you.

3. Retirement Planning

With your short-term saving needs sorted, you can turn your attention to thinking about the long-term plan. We all recognise that the basic state pension for the vast majority of us is insufficient to have the quality of lifestyle we would like in our retirement.

Effective Retirement Planning can be a complex business, and there are many different options available. A Financial Advisor will guide you through the many regulations and pension product options to construct a portfolio to maximise your long-term financial security, making sure you can retire when you want and living the lifestyle you want.

4. Releasing equity from your home

If you do find yourself falling short of your income and capital needs in retirement, but don’t want to move home and downsize, our Advisers can help you realise the benefit locked up within your property. Once they have considered all the alternative options with you, they will provide advice on the suitability of an Equity Release product for you.

With the mortgage market becoming more and more complex and lenders’ requirements more stringent, our Financial Advisers could save you thousands by making the most of your equity and utilising our network of expert lenders who would otherwise not be available to you.

5. Achieving your Investment Goals

As you progress through life and your assets and income begin to increase, you can start considering how to enhance your position rather than simply maintain it.

You might like the idea of early retirement, or maybe paying private tuition fees for your grandchildren or another family member. Perhaps you want to help the next generation get onto the property ladder with a deposit for a house, or even pay your adult children’s’ mortgage for them!

Whatever your goal, our Financial Advisers can help assess what is realistically possible and plan with you to help you achieve it in a safe and secure way that protects your Investment from unnecessary taxation or future loss through divorce or a relationship breakdown.

6. A Diverse Investment Portfolio

Investment is as much about protecting against potential downsides as it is about targeting maximum growth. High returns are often associated with high risk and not everyone likes the idea that their investment might fall by a third or more overnight!

Our Financial Advisers will make a detailed assessment of your attitude to risk before making recommendations. They will also ensure you do not put all your eggs in one basket by helping you diversify not only across asset classes but also across accounts, individual funds, and product providers.

7. Provide an objective assessment

You may well have seen reports on the news of some Investment funds collapsing, or people rushing to withdraw their Investments from a fund as panic starts to ensue. You will often find these same people had rushed to invest in a new opportunity or product, swept along by a certain amount of hype at the time.

Just because an opportunity is new and exciting and full of promise for big returns, doesn’t necessarily mean it is right for you. Investors will continue to be caught out by market ‘bubbles’ or high charges because they rush headlong in.

Our Advisers know how products work in different markets and will identify possible downsides for you as well as the potential benefits, so that you can then make an informed decision about where to invest and the level of risk associated with that investment.

8. Money-Saving Expertise

Having completed your risk and investment assessments, the next step is to look at taxation; even the most basic overview of your position could help.

It may simply mean using Individual Savings Accounts (ISAs) or a Pension Plan to benefit from government incentives or choosing growth focussed assets over income to maximise Capital Gains Allowances versus paying Income Tax. For more complicated arrangements, it could mean moving assets to your spouse or children to maximise their personal allowances instead.

Our Financial Advisers will always have your tax position in mind when making recommendations and point you in the right direction even in complicated situations.

9. Ongoing Performance Management

Putting your Investments and Financial Planning in place is just part of the role of a Financial Adviser, they will also monitor them in case market developments or abnormal events push them off course. They will assess their performance against their peers, ensure that your asset allocation does not become distorted as markets fluctuate and help you consolidate gains as the deadlines for your ultimate goals move closer.

10. For peace of mind

Money is a complicated subject, and there are many things to consider when protecting it and making the most of it. Markets are volatile, and the media are prone to exaggerate the risks and rewards.

Our Financial Advisers can cut through the hype to steer you in the right direction. Whether you need general, practical advice or a specialist with dedicated expertise, you will find that in the long term, the money you invest in expert advice will be paid back many times over.

How can I arrange to speak to a Financial Adviser?

If you are ready to take the next step of speaking to an Adviser, or if you would like to know a little more about how we can help you, call us on 01489 877 547 or complete our contact form for a call or email back.

Please note that our minimum investment threshold for new Clients is £250,000.

Contact Us

Do you have a question you would like to ask us? Please complete our website contact form:

Jasmine Lambert

Jasmine was awarded the British Young Practitioner of the Year in 2018. She is a qualified Chartered Financial Planner and full member of Society of Will Writers.

Trusted by our clients

Google Rating

4.9

Based on 83 reviews

Redwood Financial, Droxford, Hampshire

4.9

Bernard C.

Great service and professional advice from both Jasmine and Steve - also from the rest of the team at Redwood. More than happy to recommend them!

Ian B.

Very helpful and people that know what they're talking about.Definitely recommend Redwood Financial.

Nick T.

Thank you Steve, for tea and meeting this afternoon on a couple of issues, which you made clearer.

Martin P.

So far so good with service we are receiving from all the team at Redwood. Complex issues explained clearly and we do not feel any pressure to rush into any decision. well done

Colin E.

I had a complimentary will review with Steve and he offered extrmely good advice. He quickly identified what I needed in my will and directed me as to the best course of action to take. I have also worked with Jasmine on my pension portfolio and that experience has been excellent too. Redwood have provided good service and offer good value for money.

Jacqui F.

G P

Excellent consult with Steve for estate planning advice .Honest and relevant .Strongly recommend .

Neeraj P.

Steve was fantastic and is very knowledgeable and gave us very useful information. Will be coming back for our 2nd consultation.

Graham F.

Always professional and makes you feel at ease and explains everything clearly

Maggie F.

Jasmine was amazing, so professional, put John (who has learning difficulties) at ease with his writing his will. Very kind. Stuart said myself would use and recommend jasmine and Redwood Financial to all our family and friends. Thank you jazz

Rob Med4th (.

Steve took us through everything and explained thoroughly

Debbie M.

Very thorough and an excellent service

Dan M.

Very friendly and good explanation of topics

Paul W

Tom D.

We sort of "inherited" Redwood when our previous IFA retired. We have found their service and their estate planning to be really helpful, responsive, and easy to digest. The services they provide are well worth taking advantage of.

John

Steve has done an excellent job in explaining estate planning to us, a lot of information to take in. So we found the Wills, Trust & Estate Planning Webinar very useful.You can take in the information at your own pace.Would highly recommend Redwood Financial Services.

Pearl C.

Steve and Jasmine and the Redwood team are amazing. Redwood having been at our side for a number years now providing pension and investment guidance and we are very happy with their services, professionalism and kindness. Redwood are now helping us to navigate through the minefield of estate planning and securing the arrangements we need. I have slept better since our last meeting with Steve! Can't thank you enough for all your help. Really invaluable!

Natasha N.

We are grateful for Steve’s candid advice and wisdom. In a sea of questions, it was a relief to get a clearer understanding of the factors affecting our decision making process, and a referral to another expert on topics outside of Steve’s wheelhouse.

Klaus L.

An absolutely professional and enjoyable experience! Jasmine Lambert introduced me to Redwood Financials’ Services and guided me through the entire process of choosing the right investment strategy and setting up my pension accounts. It turned out to be easy to understand and I feel safe with the decisions I made and the fact that Redwood Financial are taking care of my investments from here on. At the same time, I have all the control and information I need to stay in control of my portfolios.

Adrian J.

"I cannot recommend my financial advisor enough! They are truly personal, trustworthy, and passionate about helping their clients achieve their financial goals. From the moment I started working with them, I felt like they had my best interests at heart. They took the time to get to know me and my financial situation, and they provide me with personalized advice that has helped me make smart financial decisions. I trust them completely and feel confident that they are always looking out for my best interests. If you're looking for a financial advisor who truly cares about their clients, look no further.

Antony J.

This morning I had a really useful meeting with Steve, he guided me through the maze in clear and simple approach to a complex situation. Much appreciated, will be in touch again soon.

Tim W.

Excellent care and attention

Lloyd T.

Fantastic to deal with. Steve and his team took great care with our family and have always provided nothing but brilliant advice and support.

Amanda O.

I have been supported by Redwood Financial for about twenty years. Initially with my investments and more latterly with my Estate Planning. They are always very responsive and proactive, ensuring that I receive the best guidance in a timely manner. I trust them explicitly and have recommended them to my parents and brother who have also benefited from their services.

Ben H.

Neither my wife nor I have any experience of dealing with investment finances but we have been given great service by Redwood and made to feel very comfortable about how to proceed.We have just had our annual review and everything was explained very clearly. Obviously, such things as Covid and the (in)famous mini budget have caused real problems in recent months but our own problems have not been as great as they might have been if people with real expertise had not been 'looking after' us. I would recommend Redwood without reservation to anyone looking for expert help.

Clare P.

My husband and I have used the Redwood team for personnel and business services for years now and find them very professional and love the way they always make us feel so comfortable and supported. We always recommend them to our friends and family.

Emma R.

Steve and the team at Redwood have been and continue to be thoroughly professional, polite and patient in helping our immediate and wider family in the delicate matter or Wills and estate planning. Thank you.

Jim S.

I have been working with the team at Redwood both on a personallevel for my own affairs as well as advice and guidance with my company matters. They have been extremely professional in every respect, and I would be more than happy to recommend anybody needing help with wills, Estate, Pension or Financial matters to contact them.

Bob P.

Different to so many other people today, Steve always knows what he is talking about and his clarity on money issues,combined with the personal understanding of our individuals need, is remarkable. Always feel refreshed and secure after reviewing our financial position with Steve

Paul J.

Visited Redwood this week for my annual review. Steve gave some great advice and helped me make decisions about my investments and saving.Thank you Steve and the team.

Michael M.

Friendly, yet highly professional service for our wills and an equity release. We would thoroughly recommend Redwood.

Jane P.

Redwood has looked after my Mothers financial affairs for many years and always provide her with excellent professional advice and customer service. Highly recommend.

Andrew B.

Excellent 6 month review with Nicola. Everything well prepared and comprehensive answers to all questions.

Peter B.

My partner and I have been supported by Redwood for about the last 12 years. Throughout this period they have given a great service, marked out by how they work very hard to get to know you as a person and support you accordingly. I have been approached a few times by competitors but have zero interest in moving my business. I recommend anyone considering using an independent financial adviser to speak with Redwood first.

Monica P.

Steve has been advising us on our financial situation for over 20 years and I feel that he has never imposed his thoughts on our decision making.He is knowledgeable, helpful and very professional.We have recommended several friends and acquaintances who have all been very happy with the direction in which their finances have grown. Well done Steve and your team.

Thomas M.

Would recommend, Steve has been really helpful with answering my queries. Thanks!

Michael P.

I have been receiving financial advice from Redwood during the past year and have found the company ti be highly professional, knowleadgeable and friendly in the services that they provide. I would have no hesitation in recommending them to anyone seeking a range of financial planning services. Mike Pinard

R C

Excellent first meeting: Friendly and informal. but thorough and business-like. Eye-opening information provided in down-to-earth language. Financial planning can be enjoyable, it seems!

Jos

Me and my husband had our first meeting with Steve this week to discuss our Wills, Trusts and Estate Planning. I cannot tell you enough how he opened our eyes to many things we’d not thought of or have not thought through properly before. He explained things in such a way it was really easy to understand and made complete sense to us and we realise now exactly what we need. He was very professional, friendly, (and patient when my internet wouldn’t connect) and he explained the process and next steps for us. We have received our post meeting letter & documentation already. We are very impressed and we are very happy with our decision to continue all services with Redwood. Highly recommend, thank you so much!

Sarah C

Been a Redwood customer for a several years, the team is efficient and professional, complex issues are addressed with a personalised approach and explained in easy to understand language..all jargon is clarified enabling informed decisions! Steve and Jasmine certainly know their stuff and lead this family business with care and credibility.

Mary L.

Great conference as always, everything I needed.

Jacqui W.

Recently, we had our Annual Review with Redwood Financial, which was more in depth than usual because of potential significant changes to our financial plans due to age. As always, Steve was excellent utilising his expertise of the financial world to layout practical options.We have been with Redwood for very many years and advice has always been sound and given without any pressure to adopt any specific product. The advice always being tailored to our needs and current resources.Everyone at Redwood treats us with courtesy and all enquiries are dealt with expeditiously. The company has our complete trust and we would recommend them to anyone seeking honest, expert and impartial advice on financial matters.

Mark A.

Could not recommend Redwood more highly. Having children was the trigger for us to ensure our affairs were in order, and with expert, clear but understandable advice from Steve, Julie and the team we put our wills and estate planning in place. We now have peace of mind that should anything happen to either or both of us, the rest of our families will be looked after. We feel totally confident that we have the right solution in place for us, and that is testament to the service we have received throughout from the Redwood team. The quality and professionalism of the team was matched only by their friendly and approachable manner, and I would recommend a visit to their website to watch their estate planning webinar if nothing else. It shocked us and many of the friends & family we have recommended. Thank you Redwood and if you're reading this wondering whether or not to use their services, do it and you won't be disappointed!

Ajay J.

Good all round advise and help. Good follow up and communication.

Lynn F.

It was great to be invited to a Redwood Informal coffee morning on 29th October. Good covid precautions in place. It was a comfortable area to have a coffee and useful chat with Steve. Had previously attended a Redwood Estate Planning seminar. Both these encounters with Redwood convinced me of them being a professional and capable company to deal with. In addition I am impressed by the accessibility of information on their web site.Thanks to Chloe too.

Elaine E.

Let me put it plainly - Redwood Financial is the only place I will ever go to for information on all financial and legal matters.They spend time with you explaining all the relevant information and answer any questions that you need to ask.What I best like is going into the offices and being welcomed by the staff who know my name and ask me how I am.I have been with them for many years when they started off and had a little office in Cosham.Its a wonderful establishment - very family orientated - and have a wealth of information amongst their team.I rate them 150% and can recommend them without hesitation.Keep up the excellent work - love coming into the office to see you all.

Mark S.

We recommend Redwood highly. We have been taken through the complex estate planning process with care, clarity and diligence. Given that we work in the legal sector ourselves, our decision to place our estate planning in the hands of professional colleagues who specialise in the work, rather than trying to do it ourselves, should speak for itself.

Bernard W.

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Dealing with Jasmine and her firm has been an absolute pleasure. Practical, sensible and kind advice, in sometimes difficult circumstances, with total efficiency and dedication. I would not hesitate to recommend her to anyone else who needs some help with their financial circumstances.

Excellent friendly service with positive advice. Made us feel relaxed and at ease with sorting out our pensions. Everything taken care of and explained in detail that was easy to understand. Would recommend.

Practical down to earth advice, no pressure, and very supportive. I now have a set of plans in place that have ensured my estate will be well managed in the future in the way I would wish it to be, for the benefit of my family.

I cannot thank the staff at Redwood enough, especially Sophie as she has been so patient and caring to my needs. I have found them to be highly professional and efficient in executing their often delicate and personal work. Would highly recommend their services.

Throughout our dealings with the firm, all the representatives we have dealt with have been very courteous, patient and friendly, which has made the experience a pleasure; in fact, nothing has been too much trouble for them and at no stage have they made us feel inadequate in asking too many or too simple questions, or in requiring too obvious explanations.

Steve Blofield and his team are excellent! Friendly and helpful advice is readily at hand and has opened my eyes to the importance of estate planning. A brief phone conversation is always followed by a comprehensive email. This firm deserves its awards and excellent reputation.

National Financial Advice

Our head office is between Wickham and Droxford in Hampshire. However we can offer our services across the South. Will writing in particular, is an online service, which we can complete for you remotely without ever meeting in person. Please join one of our online webinars or call us for advice.