Covid 19 Update

Sterling Financial Services remains operational and here to help our clients throughout these difficult times. While we cannot offer face to face meetings during this period, our phone lines remain open and online services have not been disrupted. We will continue to send our clients regular updates with our views, but please feel free to call if you have any queries or concerns.

Independent Financial Advisors & Wealth Management Services

Call Us On: 0115 958 4115

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Independent Financial Advisors & Wealth Management Services

Call Us On: 0115 958 4115

Login into your servicesLearn More

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 you 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.

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The five most important investment rules in a crisis

Warren Buffet is almost as famous for his pithy quotes as his investment returns. His view? “If you wait for the robins, spring will be over.”

Lessons from a crisis

Stock market crises may not feel much fun at the time, but they can provide a handy lesson in the right way to run a portfolio.

Will the low oil price dent the prospects for renewables?

The oil price has slumped, which brings problems for oil majors, the shale industry and various others. But could it also create difficulties for the renewables sector?

Emerging markets review: China bucks the trend

Share prices in China generally fell less heavily in March than other major equity markets.

Is this a dead cat bounce?

The recent performance from stock markets has given investors some cause for cheer amid the general gloom. However, could this be a dead cat bounce rather than a genuine cause for optimism?

What does it cost to support markets? $2 trillion

The US emergency fiscal stimulus package has finally passed, and markets are grateful. But could it create long-term problems?

UK interest rates cut to a record low

In an unexpected move designed to shore up the UK economy against the effects of the coronavirus pandemic…

What markets really want…

Markets have their fiscal and monetary stimulus, but still, they’re not happy.

Global bond market review: Seeking safe havens

Global bond yields declined during January.

Returns in short supply

It’s been a torrid time for short-sellers of Elon Musk’s Tesla as the company has beaten expectations on profits.

The five most important investment rules in a crisis

Warren Buffet is almost as famous for his pithy quotes as his investment returns. His view? “If you wait for the robins, spring will be over.”

Lessons from a crisis

Stock market crises may not feel much fun at the time, but they can provide a handy lesson in the right way to run a portfolio.

Will the low oil price dent the prospects for renewables?

The oil price has slumped, which brings problems for oil majors, the shale industry and various others. But could it also create difficulties for the renewables sector?

Emerging markets review: China bucks the trend

Share prices in China generally fell less heavily in March than other major equity markets.

Is this a dead cat bounce?

The recent performance from stock markets has given investors some cause for cheer amid the general gloom. However, could this be a dead cat bounce rather than a genuine cause for optimism?

What does it cost to support markets? $2 trillion

The US emergency fiscal stimulus package has finally passed, and markets are grateful. But could it create long-term problems?

UK interest rates cut to a record low

In an unexpected move designed to shore up the UK economy against the effects of the coronavirus pandemic…

What markets really want…

Markets have their fiscal and monetary stimulus, but still, they’re not happy.

Global bond market review: Seeking safe havens

Global bond yields declined during January.

Returns in short supply

It’s been a torrid time for short-sellers of Elon Musk’s Tesla as the company has beaten expectations on profits.

Investments

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.

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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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Reasons To Choose Sterling

Right from the start, we make it clear that we are not a sales orientated firm. We fully appreciate that engaging or replacing a financial advisor is not a decision to take without thorough consideration. With that being said, we do everything we can to make your transition as smooth and easy as possible. We make it our mission to provide warm and friendly advice complemented by analysis and guidance to help you and your wealth go further.

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Calculators

This section contains a selection of useful calculators. Here you will find handy tools to calculate mortgage payments, savings figures and interest rates.

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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.

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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.

Service Standards

Sterling Financial Service Standards.

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