A Quick Introduction

Sterling, established in August 2000, has grown substantially over the years. However, we have always aimed to retain the feel of a smaller company, with a personal and friendly service that revolves around you and your family. We offer a range of financial services, but typically provide ongoing support to those with investable assets above £500,000.

Our priority is to help you make the most of your wealth through sensible investment and tax planning recommendations, all based on your individual circumstances and objectives.

Experience tells us that engaging or replacing an adviser is not a decision to be rushed. We will provide you with any information you need to help you decide. When you are ready, we make the process as straightforward as possible. Please feel free to call if you would like to find out more. We would welcome the opportunity to discuss our services in more detail.

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Inflation remains a menace

There was another round of startling inflation statistics this week, with UK CPI reaching its highest point since 1982.

UK rates hit 13-year high

Surging inflation and slowing economic growth continue to create a headache for the Bank of England (BoE).

Interest rates rise around the world

Markets were choppy during May as investors’ ongoing preoccupation over inflation was compounded by a raft of interest rate increases.

The state of markets: is it over yet?

This has been a tough period in markets. However, it is difficult to see a reversal in fortunes in the short-term.

The China problem

China’s economic weakness has spooked markets, but is its weakness likely to be short or long term?

Inflation triggers concerns over growth

Investor sentiment was undermined during April by concerns over inflation, fears relating to the war in Ukraine, and worries about the wider economic impact of Covid outbreaks in China.

US bond yields hit 3%

The dramatic moves in government bond markets since the start of the year are changing the landscape for wider financial markets.

Technology: they think it’s all over?

Technology: they think it’s all over? 25th April, 2022 Over $50bn was wiped off Netflix’s share...

Fixed income holdings at 14-year lows

Investors are abandoning fixed income, as rising inflation and interest rates take hold, but could they be leaving themselves vulnerable?

Government spending soars to $65 trillion

Global government spending has increased by a quarter over the pandemic. It’s a tough time to be in charge of the government’s purse strings.

Inflation remains a menace

There was another round of startling inflation statistics this week, with UK CPI reaching its highest point since 1982.

UK rates hit 13-year high

Surging inflation and slowing economic growth continue to create a headache for the Bank of England (BoE).

Interest rates rise around the world

Markets were choppy during May as investors’ ongoing preoccupation over inflation was compounded by a raft of interest rate increases.

The state of markets: is it over yet?

This has been a tough period in markets. However, it is difficult to see a reversal in fortunes in the short-term.

The China problem

China’s economic weakness has spooked markets, but is its weakness likely to be short or long term?

Inflation triggers concerns over growth

Investor sentiment was undermined during April by concerns over inflation, fears relating to the war in Ukraine, and worries about the wider economic impact of Covid outbreaks in China.

US bond yields hit 3%

The dramatic moves in government bond markets since the start of the year are changing the landscape for wider financial markets.

Technology: they think it’s all over?

Technology: they think it’s all over? 25th April, 2022 Over $50bn was wiped off Netflix’s share price this year as it announced falling subscriber...

Fixed income holdings at 14-year lows

Investors are abandoning fixed income, as rising inflation and interest rates take hold, but could they be leaving themselves vulnerable?

Government spending soars to $65 trillion

Global government spending has increased by a quarter over the pandemic. It’s a tough time to be in charge of the government’s purse strings.

Investments

Over the longer term, a well-constructed investment portfolio offers great potential to achieve growth or income exceeding what can be expected from risk free assets, like interest on savings or National Savings products.   However, we are clear from the outset that investors should never attempt to second guess the direction of an investment market.  No one can predict which investments will fare well or poorly in the future, but adopting a broad spread of assets, geographically diversified, will help reduce risk and improve consistency.

For those clients suited to investments with risk, we can apply our process, which provides common sense guidance and direction reflecting your individual circumstances and objectives.  We will work with you, as we do for hundreds of clients already, to determine the most suitable solution, clearly highlighting both the advantages and disadvantages. 

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Retirement Planning

Helping you prepare for retirement is an important aspect of our service. We are here to assist with reviewing and increasing your provision. We want to ensure you have a good understanding of your wealth and what it can achieve. For those very close to retirement the various options can be misleading. A popular choice is Flexi Access Drawdown, taking advantage of the pension freedom legislation introduced in 2015. We can help determine whether this is a sensible decision for you after considering your overall circumstances. We will always recommend a strategy that reflects your financial position and individual needs.

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Tax Planning and Mitigation

Each year you are provided with a number of tax allowances, which when combined can produce a particularly tax efficient method of managing your wealth. If an Investment Platform is suitable for you, money can be transferred between accounts allowing you to maximise your individual savings account (ISA) allowances and take advantage of capital gains tax allowances. You can defer and mitigate income tax on investment proceeds using offshore arrangements and adopt a variety of strategies to reduce inheritance tax. It will always be our aim to deliver our services in the most tax efficient way possible and we will constantly update our guidance to you based on the ever changing tax climate.

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About Us

Established in 2000, Sterling Financial Services is an independent financial advisory firm. Based in Nottingham, we provide a national service in all areas of financial planning. We offer a wide range of financial services including wealth planning and financial planning. An acute attention to detail along with actionable and practical advice puts you in complete control of your finances.

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Privacy Statement

Sterling Financial Services Privacy Statement.

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Warning

The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK. If you wish to register a complaint, please write to us or telephone 0345 4080 707. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.

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