Sterling Independent Advisers LLP

Independent Financial Adviser 61, Maxted Road, Hemel Hempstead, Herts, HP2 7DZ

First meeting at adviser's own cost

Response rating

7.0 /10

16th September 2019

We are a local firm of 20 years who pride themselves on providing quality face to face independent financial advice.

We can advise you on

Pensions & retirement
- Annuity purchase
- Pension consolidation
- Pension drawdown
- Pensions review
- Pensions transfer
Mortgages
- Buy to let
- Flexible mortgages
- Next home / Remortgaging
- Self-employed mortgages
Financial planning
- Wealth management
Investments
- Ethical investments
- ISAs
- Investing for income
- Investment trusts
- OEICs
- Socially responsible investments
Savings
- Lump sum
- Regular savings
Insurance & protection
- Critical illness
- Healthcare
- Income protection insurance
- Life insurance
Tax & trust planning
- Capital gains tax
- Estate planning
- Income tax
Business
- Group pensions
- Group protection
Long Term Care
- Long term care

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Meet our advisers

Keith Hayes

Partner

Qualifications & Accreditations Hide qualifications

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.

J01 - Personal Tax (CII)

At the end of this unit, candidates should be able to demonstrate an understanding of: the basic structure of the tax system and self-assessment; the main taxes on income and capital that may be charged on individuals, the self-assessment system and how tax liabilities are computed; impact of residence and domicile on an individuals liability to UK tax.

J02 - Trusts (CII)

At the end of this unit, candidates should be able to demonstrate an understanding of the: legal principles associated with the creation and management of a trust; main types of trusts that are common in the UK; taxation considerations relevant to trusts.

K10 - Retirement Options (CII)

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

K20 - Pensions Investment Options (CII)

This examination assessed knowledge and understanding of the range of investments available for planning of pensions and to be able to apply the construction of a pension portfolio management for a client.

AFPC - Advanced Financial Planning Certificate (CII)

In order to have completed this qualification, individuals were required to obtain three units. These could have been selected from any combination of the available units at that time but must have included the compulsory G10 unit - Taxation and Trusts.

CF6 - Certificate in Mortgage Advice (CII)

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.

CF7 - Certificate in Lifetime Mortgages Activities (CII)

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

HR1 - Home Reversion Plans (CII)

This examination assesses a knowledge and understanding of the legislative and regulatory position of home reversion plans and their place in the advice process.

Dip PFS - Personal Finance Society Diploma (PFS)

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

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.

CF2 - Investment and Risk (CII)

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

R08 - Pensions Update Programme

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

What our clients say

Thank you for the advice and recommendations you gave. We were pleased with the friendly and professional presentation of the information and the clear and understandable explanation of the choices available to us at both our meeting and in your subsequent report. We have now received all documentation relating to the new investments and pension transfers and look forward to doing further business with you in the future.

Mr & Mrs W, Berkhamsted

We have often talked about all you did for us back in 2005 when we retired. You researched and advised to give us the very best of help and guidance. This has ensured that we have been financially comfortable during these past ten years, thank you.

Mr & Mrs T, Rustington

We have been clients of Sterling for around 15 years, they have always given us top class advice in a way that we can easily understand and act upon.

Mr & Mrs H, Redbourn

We have been dealing with Sterling for several years now based on recommendation. The service they provide is first class with great attention to detail and customers best interests are always at the forefront. Keith has provided clear and beneficial advice in a relaxed and reassuring manner. Would highly recommend Sterling and the services they provide.

Mr Paul B, Croxley Green

We have been using Sterling for some years now and have always found their service to be excellent.

Mr & Mrs J, Hemel Hempstead

Where to find us

61, Maxted Road, Hemel Hempstead, Herts, HP2 7DZ

Make an enquiry

About us

Sterling Independent Advisers has been established and providing independent financial advice in the Hemel Hempstead and surrounding area since 1995.

Independent Financial Advice to individuals and small businesses is given by Keith Hayes who has more than 25 years experience. In addition, our professional and experienced support staff have all worked in financial services for many years.

We listen to your needs and offer clear no-jargon advice on the most appropriate way to proceed in achieving your financial goals. This could be providing advice on Pension Planning, Pension Freedom Advice and options post April 2015 and your options into Retirement. Investment and Wealth Planning, IHT Planning, Protection Planning for your family and business and on your Mortgage.

Our services

We take the time to listen to your needs, requirements and future plans and then offer clear no-jargon advice on the most appropriate way to proceed in achieving your financial goals.

Compliance

Sterling Independent Advisers LLP is authorised and regulated by the Financial Conduct Authority.

Make an enquiry Request a call back Show number Recommend to a friend

We can advise you on

Pensions & retirement
- Annuity purchase
- Pension consolidation
- Pension drawdown
- Pensions review
- Pensions transfer
Mortgages
- Buy to let
- Flexible mortgages
- Next home / Remortgaging
- Self-employed mortgages
Financial planning
- Wealth management
Investments
- Ethical investments
- ISAs
- Investing for income
- Investment trusts
- OEICs
- Socially responsible investments
Savings
- Lump sum
- Regular savings
Insurance & protection
- Critical illness
- Healthcare
- Income protection insurance
- Life insurance
Tax & trust planning
- Capital gains tax
- Estate planning
- Income tax
Business
- Group pensions
- Group protection
Long Term Care
- Long term care

Advice methods

Telephone
Face to face

Special offers

Choose an Unbiased exclusive special offer:

Preferred clients

Minimum wealth (income/assets)

£50,000

Minimum pension value

£0

Minimum mortgage value

£0

Website

Compliance

Sterling Independent Advisers LLP is authorised and regulated by the Financial Conduct Authority.

Make an enquiry Request a call back Show number Recommend to a friend

Contact options

Make an enquiry Request
a call back Show number Recommend to a friend

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