We can advise you on
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Pensions & retirement
- Annuity purchase
- Auto enrolment
- Pension consolidation
- Pension drawdown
- Pensions review
- Pensions transfer
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Mortgages
- Bad credit
- Building your home
- Buy to let
- Buying commercial property
- Buying first home
- Buying overseas
- Equity release
- Flexible mortgages
- Next home / Remortgaging
- Right to buy
- Self-employed mortgages
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Financial planning
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Investments
- Ethical investments
- ISAs
- Investing for income
- OEICs
- Socially responsible investments
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Savings
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Insurance & protection
- Accident & sickness
- Critical illness
- Healthcare
- Income protection insurance
- Life insurance
- Payment protection insurance
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Tax & trust planning
- Capital gains tax
- Estate planning
- Income tax
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Business
- Commercial mortgages
- Employee benefits
- Group pensions
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Long Term Care
Meet our advisers
Jonathan Smith DIP FA. MIFS
Practice Principal
Qualifications & Accreditations
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Diploma in Professional Financial Advice (SQA)
This qualification assesses a knowledge and understanding of the financial services industry including: regulation and ethics, personal taxation, investment principles and risk, pensions and retirement planning, financial protection
Accreditations
Helena Wardle Dip FA
Independent Financial Consultant
Qualifications & Accreditations
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ER1 - Equity Release (CII)
This examination assesses a knowledge and understanding of the different types of equity release products, risks to the consumer associated with equity release and application of suitable equity release solutions according to the circumstances of different customers.
CF8 - Certificate in Long-Term Care Insurance (CII)
This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, long term care insurance products and the giving of long term care insurance advice.
Advanced Diploma In Financial Planning (CII)
This qualification enables professional advisers to develop specialist planning capabilities, covers topics like: personal tax and trust, business financial, pension and investment planning.
AF3 - Pension Planning (CII)
This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.
Chartered Financial Planner (CII)
Having achieved the APFS designation, advisers can go onto to achieve this recognisable benchmark of quality and ethical practice for financial services professionals, elevating financial planning and advice in the public eye to the same standing as other Chartered professions. The holder must demonstrate a combination of experience, financial qualifications, ongoing educational activity (continuous professional development) and ethical behaviour.
DipFA - Diploma for Financial Advisers (LIBF)
The Diploma enhances knowledge in core areas such as regulation, investment principles, risk, taxation and personal financial planning using real-life scenarios to develop the essential skills to apply this technical knowledge in practice
CeMAP - Certificate in Mortgage Advice and Practice (LIBF)
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.
Accreditations
What our clients say
Helena has an impressive all round knowledge of the financial services areas myself and my business were interested in.
Her customer service levels are of the highest standard together with always being available to answer to any questions.
I would recommend Helena to any business or individual without hesitation.
Paul, Hertfordshire
Jon takes time to understand exactly what your requirements are both in the short and long term and uses his knowledge and expertise to ensure that the guidance he provides is relevant and appropriate. Having used his services for many years he understands immediately what changes or approach needs to be taken when I ask for advise and is always ready to offer his opinion as to the right approach even when that may be do nothing. Definitely a \'trusted adviser\'..
Joy, Hertfordshire
When my father passed away, my mother and I really didn't know who to turn to for financial advice, but fortunately Jonathan was recommended to us. He has always been very reliable. Always thorough, and provides clear explanations. However busy he is, he always finds time to listen, to understand the situation, and has offered sound advice to both my mother and latterly to me. I also have great confidence in his team - if Jonathan is busy and I leave a message with a colleague, I know that it will be passed on to him. Yes, I would highly recommend Jonathan Smith and his team.
Penny, Bedfordshire
About us
Established in 1997, Sterling & Law is a firm of professional independent financial consultants. Our client-first philosophy places you at the heart of everything we do. Our reputation as valued professional advisers is built on our focus and commitment to our clients, resulting in long-term professional relationships.
We can answer any of your questions in depth on:
• Financial Advice
• Financial Planning
• Pensions Advice
• Mortgage Advice
• Investment Advice
• Savings Advice
• Wealth Management
• Tax Planning
If you are seeking advice on pension transfers, you’ll be interested to know that Helena Wardle is a qualified Pension Transfer Specialist. The rules governing pension transfers changed in 2015 which means that pensions with protected rights can only be transferred by a specialist.
Our services
We help our clients achieve their financial goals. Our clients come from diverse backgrounds but they have one thing in common: they want to gain clarity on their financial future. Our expertise lies in helping you to identify the type of future you want and how best to achieve it. Once we understand the issues that are important to you, we will help you answer questions about your future in a clear and simple way. Our approach is transparent and focused on positive outcomes working with you to create a clear financial plan developed specifically for your individual circumstances
Compliance
Sterling & Law Group Plc is regulated and authorised by the Financial Conduct Authority (FCA), Reg. no 216784. The FCA does not regulate all of the products or services we provide.
Registered office: Sterling & Law Group Plc., St. James Office, No 1 Harley Street, London W1G 9QD. Registered in England No. 4390539
