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 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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Three key challenges for the ECB

Amid signs that Covid-19 infection rates were on the rise once again around Europe, some localised restrictions were reimposed in August, putting a brake on economic activity.

Share price rises defy an uncertain outlook

Global share prices generally rose during August as investors took heart from ongoing fiscal and monetary support alongside some encouraging economic data.

A last hurrah for growth stocks?

The value of Apple hit $2trillion last week after a significant rise in its share price in the previous three months.

UK Bond Market Review

Gilt yields continued their decline over June as demand for government bonds was boosted by expectations that the Bank of England (BoE) would expand its programme of quantitative easing measures.

UK dividends – reasons to be cheerful?

It’s been a torrid time for UK income investors, but there may be reasons for cheer amid the gloom.

The Summer Statement: will it work?

Chancellor Rishi Sunak has encouraged a summer of spending to revive the UK’s flagging economy, but can it be saved?

The potential problems of the ‘lone wolf’ asset manager

Even the best fund manager needs checks and balances to prevent serious mistakes.

A potted history of market crashes (and why they don’t matter)

Can the history of previous stock market crashes give any insight into what happening today?

The resilience of Asian dividends

With UK dividends under considerable pressure, have Asian companies continued to deliver payouts to shareholders?

Is Europe heading for deflation?

Lockdown restrictions continued to ease across Europe during May. Schools, shops, bars and restaurants began to reopen and quarantine restrictions were relaxed.

Three key challenges for the ECB

Amid signs that Covid-19 infection rates were on the rise once again around Europe, some localised restrictions were reimposed in August, putting a brake on economic activity.

Share price rises defy an uncertain outlook

Global share prices generally rose during August as investors took heart from ongoing fiscal and monetary support alongside some encouraging economic data.

A last hurrah for growth stocks?

The value of Apple hit $2trillion last week after a significant rise in its share price in the previous three months.

UK Bond Market Review

Gilt yields continued their decline over June as demand for government bonds was boosted by expectations that the Bank of England (BoE) would expand its programme of quantitative easing measures.

UK dividends – reasons to be cheerful?

It’s been a torrid time for UK income investors, but there may be reasons for cheer amid the gloom.

The Summer Statement: will it work?

Chancellor Rishi Sunak has encouraged a summer of spending to revive the UK’s flagging economy, but can it be saved?

The potential problems of the ‘lone wolf’ asset manager

Even the best fund manager needs checks and balances to prevent serious mistakes.

A potted history of market crashes (and why they don’t matter)

Can the history of previous stock market crashes give any insight into what happening today?

The resilience of Asian dividends

With UK dividends under considerable pressure, have Asian companies continued to deliver payouts to shareholders?

Is Europe heading for deflation?

Lockdown restrictions continued to ease across Europe during May. Schools, shops, bars and restaurants began to reopen and quarantine restrictions were relaxed.

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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