A Quick Introduction
Sterling was established in August 2000 and while we have grown substantially since, we have aimed to retain the feel of a smaller company, with a personalised one to one approach. We offer a wide range of financial services but typically provide ongoing support to families 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.
We fully appreciate that replacing your existing advice team or engaging an adviser for the first time is not an easy decision. We aim to make the process as straightforward as possible. In the first instance, please feel free to call for an informal conversation. We can explain our approach and how we can help you without obligation.
We are clear from the outset that no one can predict the future and investors should never attempt to second guess the direction of an investment market. 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 gauge and determine the most suitable course of action.
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.