Silverwood Money is a boutique independent financial advisory firm based at 9 The Boardwalk, Mercia Marina, Willington, Derby, DE65 6DW. Founded by Richard Silverwood, we are celebrating our 25th year serving clients and their families. Our team currently looks after around £200 million of client assets, providing expert, personalised financial advice across investments, retirement planning, and estate planning.

Silverwood Money provides independent financial advice focused on three core areas: investments, retirement planning, and inheritance tax and estate planning. We are fully independent, meaning our advice is based solely on what is right for each individual client, without being tied to any specific provider or restricted product range.

We are not currently accepting new clients. This is because we are focused on delivering the highest possible service standards to our existing clients and meeting our regulatory responsibilities. If you would like to register your interest for the future, please contact us at hello@silverwood.money or call 01332 311500.

Yes. Silverwood Money is a fully independent financial adviser. We are not tied to any provider or restricted to a limited range of products. This means our advice is based solely on what is right for you. We constantly review the full range of investment propositions across an ever-changing marketplace to ensure we recommend the most suitable options for each client.

Silverwood Money is celebrating its 25th year in business. Over that time, we have grown into a trusted boutique advisory firm, building long-term relationships with clients and their families across Derbyshire and beyond. Our team currently manages around £200 million of client assets.

Silverwood Money is based at 9 The Boardwalk, Mercia Marina, Willington, Derby, DE65 6DW. You can contact us by phone on 01332 311500 or by email at hello@silverwood.money.

Silverwood Money is led by Richard Silverwood, Director and Chartered Financial Adviser, who has over 30 years’ experience specialising in high-level strategic planning and complex wealth management for private clients. Senior Financial Adviser Jason Muller has been part of the team for over 8 years, with more than 15 years of industry experience including roles at global institutions such as J.P. Morgan and BNY Mellon. The wider team includes Amanda Spalding (Office Manager), Sara Cotton (Client Review Manager), Aneesa Rehman (Trainee Paraplanner), and Scott Muir (Client Relations).

Richard Silverwood is a Chartered Financial Adviser with over 30 years’ experience. The Chartered Financial Adviser designation is one of the highest professional qualifications in financial planning, demonstrating an advanced level of knowledge, competence, and commitment to ethical practice. Richard specialises in high-level strategic planning and complex wealth management for private clients.

Silverwood Money works with private individuals and families at various stages of life — from those building wealth and beginning their investment journey, to those approaching or enjoying retirement, and those seeking to preserve and pass on their wealth to future generations. We are a boutique practice and our ethos is firmly client-first, with a culture of trusted, personalised, long-term advice.

Silverwood Money helps clients invest lump sums — perhaps from savings, an inheritance, or a pension — as well as helping those looking to organise their savings more effectively. We provide fully advised investment planning centred around your personal goals, risk profile, and values. Our advice aims to deliver strong returns while staying within a comfortable level of risk. We can offer a fully advised investment proposition at a lower cost than doing it yourself.

Yes. ISAs (Individual Savings Accounts) form an important part of many of our clients’ overall financial plans. We advise on the most effective use of ISA allowances as part of a coordinated investment and retirement income strategy, including how ISA withdrawals can complement pension income in a tax-efficient way. Please contact us on 01332 311500 or hello@silverwood.money to discuss your situation.

Our advice is always centred around your goals. We take time to understand what you want to achieve, then create a plan designed to reach those goals with as little risk as possible. Your financial security remains at the heart of every recommendation we make. We do not believe in unnecessary complexity or constant adjustment — a well-constructed, appropriately diversified plan is often the most effective approach.

We help clients at every stage of retirement planning — whether you are planning ahead, thinking about working less, or ready to start drawing from your pensions. We advise on how, when, and from where to draw pension benefits in the most tax-efficient way. Our retirement income plans are designed to be tax-efficient, sustainable, and tailored to your lifestyle, drawing from a combination of pensions, tax-free lump sums, ISAs, and investment accounts where appropriate.

Yes. Estate planning and inheritance tax (IHT) planning is one of our core services. For many of our clients, wealth preservation is just as important as wealth generation. We can advise on a range of strategies to reduce potential IHT liability, including making gifts during your lifetime, choosing the right investment types, using trusts or life assurance, and considering the impact of recent changes to the tax treatment of pensions on your estate.

Silverwood Money’s ‘Enough’ philosophy reflects a belief that in a world that constantly urges us to do more, buy more, and change more, there is quiet power in knowing when you already have enough. Not every market movement requires a reaction. Your investment portfolio does not need constant adjustment, and your pension does not need to react to every Budget announcement. True wealth is often found in pausing to value what is already working, and ensuring it serves what truly matters in your life.

By using our scale, we have negotiated exceptional fee agreements with leading platform providers, and through the buying power of specialist asset managers, we are able to offer an investment proposition that delivers outstanding quality and value. We believe we can offer a fully advised proposition at a lower cost than doing it yourself. For full details on our fees and charges, please contact us directly on 01332 311500 or at hello@silverwood.money.

Yes. Silverwood Money meets clients via FaceTime, WhatsApp, Zoom, Microsoft Teams, or simply over the phone — whatever works best for you. Remote meetings offer the same quality of advice and personal engagement as in-person meetings, with the added convenience of meeting from wherever suits you.

Silverwood Money combines 25 years of experience, fully independent advice, Chartered Financial Planner expertise, and a genuinely client-first culture. We manage around £200 million of client assets and pride ourselves on long-term relationships built on trust, clarity, and results. Our clients regularly return to us and recommend us to their friends and colleagues. Our guiding principle is simple: Client focus + Trusted advice = Valued service.

Existing Silverwood Money clients can access their account and view their investments by logging in at silverwood.money/login. If you have any difficulties accessing your account, please contact our team on 01332 311500 or email hello@silverwood.money and we will be happy to assist you.

You can contact Silverwood Money by phone on 01332 311500 or by email at hello@silverwood.money. We are based at 9 The Boardwalk, Mercia Marina, Willington, Derby, DE65 6DW. Alternatively, use the contact form at silverwood.money/contact-us. We are always happy to answer questions.