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.
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.
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.
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.
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.
Defined Benefit Pension Transfers
We are pleased to provide advice to those thinking about transferring their defined benefit pension benefits. However, before we are engaged individuals need to be aware that transferring secure retirement provision to an arrangement that is investment based is rarely advisable.
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.