Sterling and Law Group Plc

Independent Financial Adviser  148 Hockley Road, Rayleigh, Essex, SS6 8EP
First meeting at adviser's own cost
I am an Independent Chartered Financial Planner, providing advice to both families and businesses throughout London and the South East. Your initial consultation is without cost and I am happy to meet face to face or remotely if preferred.
We can advise you on
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Annuity purchase
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Pension consolidation
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Pension drawdown
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Pensions & divorce
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Pensions & retirement planning
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Pensions review
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Pensions transfer
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SIPPs
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Stakeholder
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Bad credit
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Building your home
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Buy my next home
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Buy to let
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Buying commercial property
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Buying first home
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Buying overseas
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Equity release
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Flexible mortgages
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High loan to value
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Mortgage protection
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Next home / Remortgaging
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Right to buy
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Self-employed mortgages
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Wealth management
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Ethical investments
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ISA / Unit Trusts / OEICs
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Investing for income
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Investment trusts
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OEICs
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Offshore investments
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Socially responsible investments
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Unit trusts
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Lump sum
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National savings
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Regular savings
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Savings for children
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School fees planning
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Critical illness
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Income protection insurance
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Life insurance
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Small business
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Capital gains tax
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Income tax
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Taxation planning
Response rating
7.0/10
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FCA authorised
Last authorised 13th September 2021
Meet our advisers
Mr Paddy Denning
Chartered Financial Planner

This exam accesses understanding of key retail financial products such as savings, investments and tax wrappers.

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

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

This exam accesses understanding of the financial services industry including regulation and legislation.

This exam accesses understanding of the features and risks of different securities, the structure and features of the securities market and relevant factors and considerations for appropriate investment recommendations.

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

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

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.

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

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

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

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 the financial services industry, including regulation, legislation and the Code of Ethics.

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

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.

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 an ability to analyse financial protection planning issues.

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

Accreditations
Chartered Financial Planner
What our clients say
Had my first annual review meeting with Paddy from Sterling & Law, As with previous contact he was well prepared, well informed, happy to listen to & answer my questions. Altogether an excellent, professional experience
Jon, Essex
Paddy was very helpful indeed. He was very punctual and polite, and very respectful of my nervousness regarding my finances and put me at ease. He is very patient and did not mind explaining things several times over so that he was confident I really understood what he was saying. He is diligent in getting on with things after our meetings and he is very efficient at keeping me updated.
Michelle, Southend
About us

As Independent Financial Advisers, we are not tied to any financial institutions. This means that we are able to provide you with the best possible financial solutions from the whole of the market. Our client-first philosophy places you at the heart of everything we do. Over the years, we have worked to provide the highest standards of advice and service by ensuring that we listen and understand what is important to you, consistently delivering on our promises and keeping you up to date and well informed.

Our priority is keeping our clients happy; the advice you will receive is not just a ‘one off’ but a new beginning backed up by a lifetime of support and advice.

Our services

How can we help you?

• The first meeting is at our own cost and is without any obligation (any fees will be agreed with you before any chargeable work begins)

• You can come to us at our office, or we can come to you, to your home or place of work

• We will provide you with a financial health check to better understand your individual circumstances

• Any recommendations will be from the whole of market – we are not tied or restricted to any financial institutions which means you will receive the most suitable advice

• You will receive a friendly, professional service

• We will provide a regular review for all of our pension and investment clients to ensure that your objectives are on track

Where to find us
Head office address: 148 Hockley Road, ss6 8ep, Rayleigh, SS6 8EP
Service coverage
Preferred clients
Minimum wealth (income/assets)
£0
Minimum pension value
£51,000
Minimum mortgage value
£251,000
Special offers
Choose an Unbiased exclusive special offer:
Offers terms
Advice methods
  • phoneButton
    Telephone
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    Online (Live chat, video, email)
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    Face to face
Compliance

Your home may be repossessed if you do not keep up repayments on your mortgage.

Response rating
7.0/10
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FCA authorised
Last authorised 13th September 2021

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