bdhSterling Ltd

Independent Financial Adviser  BdhSterling Ltd, Surrey, Epsom, KT17 4NR
First meeting at adviser's own cost
Financial Planners committed to helping people make good decisions and achieve their financial and lifestyle goals. bdhSterling provides value to their clients by enabling them to live the future life they want through holistic lifelong professional financial planning to support their goals, lifestyle and legacy. An established Epsom based financial advisory business with over a decade’s experience the firm is staffed by dedicated and helpful financial planners and a support team of over 30 professionals.
We can advise you on
check
Annuity purchase
check
Auto enrolment
check
Pension consolidation
check
Pension drawdown
check
Pensions review
check
Pensions transfer
check
Wealth management
check
Ethical investments
check
ISA / Unit Trusts / OEICs
check
Investing for income
check
Investment trusts
check
OEICs
check
Socially responsible investments
check
Lump sum
check
Regular savings
check
Accident & sickness
check
Critical illness
check
Income protection insurance
check
Life insurance
check
Capital gains tax
check
Estate planning
check
Income tax
check
EEA
check
Rest of world
check
Employee benefits
check
Group Pension/Stakeholder
check
Group Protection/Life Insurance
check
Sharia finance
check
Long term care
Response rating
7.0/10
check
FCA authorised
Last authorised 13th September 2021
Meet our advisers
Mr Paul Lawson-Tyers
Financial Planner

This qualification assesses a knowledge and understanding of investment products and the application of the investment advice process.

This qualification helps advisers develop and demonstrate their financial planning capabilities. 

This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.

This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

At the end of this unit, candidates should be able to demonstrate an understanding of the: process of decumulating pension funds and the main issues for clients and advisers; main choices facing members of pensions schemes during decumulation; features, risks and tax treatment of the secured pension option; features, risks and tax treatment of the unsecured pension option; features, risks and tax treatment of phased retirement; features, risks and tax treatment of the alternatively secured pension option.

At the end of this unit, candidates should be able to demonstrate an understanding of the: main tax and legal frameworks that govern the accumulation phase of building up retirement benefits under registered pension schemes; features of defined contribution and defined benefit pensions; choices faced by early leavers and use of transfer value analysis; State retirement benefits available, including the risks and suitability of contracting out of the State Second Pension.

This examination assesses a knowledge and understanding of investment products and the risks involved.

At the end of this unit candidates should be able to analyse and apply financial information and portfolio management skills

This qualification assesses a knowledge and understanding of recent pension reforms and how the changes impact at-retirement advice.

This exam accesses understanding of the financial services and their regulation.

This exam accesses understanding of protection, savings and investment products.

Mr Simon Harvey
Group Managing Director

This qualification assesses a knowledge and understanding of investment products and the application of the investment advice process.

This qualification assesses a knowledge and understanding of the UK taxation system, and the ability to analyse the taxation treatment of individuals and trusts during the investment advice process.

This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

This qualification assesses a knowledge and understanding of an ability to analyse pension and retirement planning issues.

This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.

This examination assesses the candidate to develop in depth financial planning skills related to investments and the management of investment portfolios.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.

This examination assesses a knowledge and understanding of investment products and the risks involved.

This qualification develops advanced technical knowledge and understanding across a broad range of key advisory areas.

At the end of this unit, candidates should be able to demonstrate their ability to apply and evaluate the supervision principles and practices in a retail financial services business

At the end of this unit candidates should be able to analyse and apply financial information and portfolio management skills

This exam accesses understanding of the financial services and their regulation.

This exam accesses understanding of protection, savings and investment products.

This exam accesses understanding of identifying and satisfying client needs.

This qualification accesses the specialist knowledge and skills needed for advising on the transfer of safeguarded benefits

This qualification accesses the advanced skills needed for advising on income planning to those in and approaching retirement

Mr Kevin Tutt
Financial Planner

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

This exam accesses understanding of the financial services and their regulation.

This exam accesses understanding of protection, savings and investment products.

This exam accesses understanding of identifying and satisfying client needs.

Mr Paul Davies
Head of International Pension Advice

This examination assessed a knowledge and understanding of the UK tax system, the law and practice of trusts, but also an ability to advise individual clients on the tax treatment of their investments and the use of trusts to meet their current and foreseeable future needs.

This examination enhanced general pension knowledge, particularly in pension transfers and opt-out business.

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

This examination assessed knowledge and understanding of income generating options and applying the knowledge to retirement planning situations.

This examination assessed the knowledge and understanding of economic factors that affect risk from different investments, product features and regulatory framework of retail investments, taxation liabilities and portfolio planning.

Mr Stephen Ford
Head of Financial Planning, UK
What our clients say
Sought advice regarding early retirement and help to understand the options available to us, plan for the future. Very good service. Knowledgeable, professional and understanding.
John, Buckinghamshire
Myself and my business partner were looking for business protection. After understanding what our objectives were, bdhSterling found a solution which perfectly matched our requirements. I now have piece of mind that we are now fully protected. I found our adviser very professional and knowledgeable.
Stephen, Nutfield
I was planning my retirement and had a number of pensions plus savings that needed reviewing. bdhSterling looked at my plans and put together a very thorough proposal. I am now retired and the proposals have been implemented.
Robert, Epsom, Surrey
About us

Are you managing your money in a way that is improving your life? Have you stopped to consider what is truly important to you?

Our approach is sit to down with our clients, really get to understand what they’re hoping to achieve, then put a practical financial plan in place to help them reach their life goals.

A good financial plan is a road map that shows us exactly how the choices we make today will affect our future. We can help you make wise financial decisions, whatever milestone you might be approaching, whether it be marriage, starting a family, selling a business, changing jobs, or retirement.

Our belief is that by using goal-based planning, we can bring clarity and certainty to our clients’ life. After all, a goal without a plan is just a wish.

Our financial planning approach will make sure that you are on the right path and through ongoing reviews and discovery we make sure that you remain on track to leading a fulfilled life.

Our services

Planning for your future can be a daunting task and often it is hard to see how all the pieces in your ‘financial jigsaw’ fit together. Questions such as “am I saving enough to be able to retire at 55?” or “do I have sufficient protection in place?” can be hard to visualise and view as a bigger picture.
At bdhSterling, we can assist you with questions such as these. From our first meeting, we are already starting to create your financial plan based on your circumstances now and in the future whilst incorporating your financial goals and aspirations. A good financial plan is a road map that shows us exactly how the choices we make today will affect our future. We can help you make wise financial decisions, whatever milestone you might be approaching, whether it be marriage, starting a family, selling a business, changing jobs, or retirement.

No matter what stage of life you are at, putting the right plan in place can make a huge difference to your future.

Over the past decade we really have learned that no two clients are ever the same. bdhSterling have developed a robust process helping us to gain a greater understanding of our clients’ financial goals - ensuring our clients feel heard and understood. We take pride in delivering sound and jargon-free advice in sometimes complex circumstances. We believe in nurturing our relationships whether this be with other team members, clients or other professionals, so that we are able to establish a trusted partnership over the long-term

We pride ourselves in the continued professional development of all our staff and work closely with our industry regulator specifically in the rise of Defined Benefit Pension Transfers. We deliver holistic financial planning and forecasting for all of our clients.

Where to find us
Head office address: bdhSterling Ltd, Capitol Square, 4-6 Church Street, Surrey, KT17 4NR
Preferred clients
Minimum wealth (income/assets)
£50,000
Minimum pension value
£50,000
Minimum mortgage value
£0
Special offers
Choose an Unbiased exclusive special offer:
Offers terms
Advice methods
  • phoneButton
    Telephone
  • mouse
    Online (Live chat, video, email)
  • icons
    Face to face
Response rating
7.0/10
check
FCA authorised
Last authorised 13th September 2021

Similar advisers near you

Independent Financial Adviser 0.09 mi
Independent Financial Advisers offering complete wealth management solutions in the comfort of your home or our High Street office. Epsom based for 45 years, advising long-standing local clients.
 
Independent Financial Adviser 0.17 mi
Independent, Chartered financial planning firm, as well as our normal face to face meeting we are offering online and telephone advice, in response to Coronavirus. We’re here to support you.
 
Independent Financial Adviser 0.24 mi
We are passionate about delivering to your needs and guarantee value for money.
 
Restricted - whole of market 0.24 mi
Providing experienced financial advice remotely - friendly, ethical, knowledgeable, and professional. Alexander House can look after all your financial needs.