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

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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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Omicron triggers uncertainties

Investor sentiment was shaken during November by the discovery of the new “Omicron” Covid-19 variant in South Africa.

Bear market lockdown winners.

Lockdown winners have become recovery losers. Is value emerging?

Targeting Pricing Power

As UK inflation ticks higher, will the traditional strategies adopted by fund managers to deal with rising prices prove effective?

Stock markets to power onwards?

A lengthy bull market is always nerve-wracking. Investors start to fret on valuations, on earnings, on the strength of economic growth.

UK policymakers set to tighten?

Interest rates are widely expected to rise at the October meeting of the BoE’s Monetary Policy Committee (MPC).

Is this really a ‘new age of optimism’?

The Chancellor delivered a boosterish budget, hailing a ‘new age of optimism’. Has the normally measured Rishi Sunak been drinking some of the Prime Minister’s Kool-Aid? Could the UK economy be over the worst?

Can COP 26 succeed?

Multi-national agreement is often hard won, but implementation can be even harder. Can COP 26 produce tangible long-term progress on climate change?

Did the UK bounce-back?

More lacklustre data from the UK emerged this week. Is the weakness temporary? Or have we seen the best of the UK’s revival?

Stagflation fears hit sentiment

Investors were stalked during September as the spectre of stagflation manifested itself against a backdrop of rising prices and lacklustre growth prospects.

Bank of England raising interest rates?

Until recently, the Bank of England’s Monetary Policy Committee (MPC), which has responsibility for setting interest rates, was undecided if conditions were right for tightening monetary policy.

Omicron triggers uncertainties

Investor sentiment was shaken during November by the discovery of the new “Omicron” Covid-19 variant in South Africa.

Bear market lockdown winners.

Lockdown winners have become recovery losers. Is value emerging?

Targeting Pricing Power

As UK inflation ticks higher, will the traditional strategies adopted by fund managers to deal with rising prices prove effective?

Stock markets to power onwards?

A lengthy bull market is always nerve-wracking. Investors start to fret on valuations, on earnings, on the strength of economic growth.

UK policymakers set to tighten?

Interest rates are widely expected to rise at the October meeting of the BoE’s Monetary Policy Committee (MPC).

Is this really a ‘new age of optimism’?

The Chancellor delivered a boosterish budget, hailing a ‘new age of optimism’. Has the normally measured Rishi Sunak been drinking some of the Prime Minister’s Kool-Aid? Could the UK economy be over the worst?

Can COP 26 succeed?

Multi-national agreement is often hard won, but implementation can be even harder. Can COP 26 produce tangible long-term progress on climate change?

Did the UK bounce-back?

More lacklustre data from the UK emerged this week. Is the weakness temporary? Or have we seen the best of the UK’s revival?

Stagflation fears hit sentiment

Investors were stalked during September as the spectre of stagflation manifested itself against a backdrop of rising prices and lacklustre growth prospects.

Bank of England raising interest rates?

Until recently, the Bank of England’s Monetary Policy Committee (MPC), which has responsibility for setting interest rates, was undecided if conditions were right for tightening monetary policy.

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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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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