Sterling & Law PLC

Independent Financial Adviser  Oaklea Road, Paddock wood, Kent, TN12 6LB
First meeting at adviser's own cost
I'll help you achieve your financial goals in a professional, experienced, and reliable way. Specialist in pensions, protection and investment.
We can advise you on
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Annuity purchase
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Auto enrolment
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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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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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Traded endowment policies
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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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Accident & sickness
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Critical illness
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Healthcare
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Income protection insurance
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Life insurance
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Payment protection insurance
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Small business
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Capital gains tax
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Estate planning
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Income tax
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Taxation planning
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Corporate pension
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Employee benefits
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Group Pension/Stakeholder
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Group Protection/Life Insurance
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Group critical illness
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Group income protection
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Group life insurance
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Group private medical insurance
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Group risk
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Sharia finance
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Long term care
Response rating
9.4/10
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FCA authorised
Last authorised 27th January 2020
Meet our advisers
Jon Gandell DipPFS
Independent Financial Consultant

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 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.

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: how the economic environment and individual company performance affects investment performance and investment decision making; how risk is measured and managed; the main principles governing how to construct an investment portfolio; the range of investment management services, how their performance is evaluated and their regulatory environment.

What our clients say
I wanted to be sure that I was offered the whole market for protection advice. Jon was very open from the beginning about everything which was great. The documents where explained and easy to follow. We're really happy with the outcome. Jon explained the whole process from start to finish. I was happy with the complete service.
Alan, Chatham
We needed to get some financial securities in place, and were recommended to Jon through our accountants. He assisted us with our pensions scheme, Life cover and a share protection scheme. as well and answering other queries we had. I am not sure if anything could have been more clear.
James, Wimbledon
I found Jon because I needed to consolidate my old company pensions. He advised me on the consolidation of pensions & provided options for the new consolidated pension company with minimum of fuss. I got exactly what was required in timely & efficient manner. Everything that was discussed & planned was executed with the utmost professionalism.
John, Tunbridge Wells
Our circumstances had changed so we felt the need to seek advice. Jon was most helpful in guiding us in the right direction. He made things very clear and easy to understand without being patronising and certainly did not push us to make hasty decisions. We are very happy with the advice that he offered, the products were well suited to our needs.
Mr & Mrs Marshall, Cheam
We were looking for financial advice for our company. Jon set up pensions, life cover and share protection for us as well as advising us with the auto enrolment process. So far, everything has been great.
Hannah, Cheam
I didn't believe that my previous FA was providing me with a good service. Jon moved my existing pension into a better managed scheme and significantly reduced the management fee I was paying. Nothing could have been done better.
Mick, Epsom
I was looking to consolidate my 6 personal / old company pensions in to one product. Jon really took time to understand my overall financial situation , my circumstances, my future plans, the level of risk I was willing and able to take and how I plan to make provision for my retirement. He was able to advise on the various different options available to me and took time to ensure I had considered each option and completely understood them. He also advised on an insurance policy after identifying that I was at risk in the event of no longer being able to work before the age of 55. I now have a consolidated pension product which will save me money across the term and will hopefully make me more money providing markets follow historical trends. Jon took time to suggest the best possible option for me. He was polite, professional, informative, friendly and cheerful throughout and tailored his advice and method of explaining complicated areas specific to my level of understanding.
Rebecca, Paddock Wood, Kent
Jon took the time to understand our needs, and recommended a way to invest our pension assets. We appreciated Jons manner; he was very good at explaining options in ways that did not require any prior knowledge of investments and was never condescending.
Helen, Maidstone
You've been a star and trooper through all of this looking after us.... I know we have been a handful!
Dawn and Steve, Tunbridge Wells
About us

How can Jon help you?

•You will receive a friendly, professional service, at a time and place that suits you.

•We provide regular reviews for all of our pension and investment clients, ensuring you are on track.

•The first meeting with us is at our cost and we are happy to come to you. All fees will be agreed with you before we start any chargeable work.

•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.

Being a part of the Sterling and Law group ensures that we have access to the high quality research facilities required to fulfil this objective. Our client-first philosophy places you at the heart of everything we do.

Sterling and Law has offered sound, independent financial advice since 1997.
Over the years we have worked to provide the highest standards of independent financial advice and customer service by ensuring we listen and understand what is important to you.

Our services

Jon has over 30 years experience in financial services, helping his clients and their families plan effectively for their futures.

He believes strongly in the benefits of an independent, whole-of-market approach to helping his clients. He specialises in pensions, investments and family protection.

Having lived in the area all his life, Jon is a family man, married with twins, and a keen participator in a wide range of sports.

You can contact Jon at any time to discuss your requirements.

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Where to find us

Oaklea Road, Paddock Wood, Kent, Tonbridge, TN12 6LB

Preferred clients
Minimum wealth (income/assets)
£50,000
Minimum pension value
£50,000
Minimum mortgage value
£0
Advice methods
  • phoneButton
    Telephone
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    Online (Live chat, video, email)
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    Face to face
Response rating
9.4/10
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FCA authorised
Last authorised 27th January 2020

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