Independent Financial Adviser in Croydon & Surrey

As an independent financial adviser in Croydon, I help individuals, families, and business owners across Surrey to plan for the lives they desire.

Everything starts with a conversation. If you are looking for a local financial adviser contact me today to request a complimentary consultation.

 A local financial adviser in Croydon & Surrey

Working with a broad mix of clients, I offer advice on pensions, wealth management, inheritance tax, financial planning, and business protection to cater to a range of needs.

Click one  of the boxes below to find out more about my financial advice services.  


Accessible, affordable financial advice for individuals and families in Croydon & Surrey.

Experienced pensions adviser based in Croydon, Surrey. Looking for advice on your pensions and retirement plans?

Professional wealth management services. Helping you accumulate wealth and plan for the future.

Business protection advice covering. relevant life, executive income, and personal & family protection.

A trusted, local financial adviser 

Providing the highest level of customer service is paramount to creating long lasting relationships.

Trust, integrity, and honesty are all values I adhere to when working with my clients. 

With dozens of reviews from local individuals, with Sterling & Law, you finances and financial futures are in safe hands.

Customer testimonials


Have a read of some of my recent customer testimonials.

Andy is a very good Financial Advisor with excellent knowledge of investment markets and financial products. Prior to coming up with a plan and a strategy to make my money work harder for me, he spent a great deal of time and effort to better understand my circumstances, priorities and risk appetite. He then came up with an investment strategy that suited my lifestyle and future ambitions.

Abdul Adbi – Croydon

Since meeting Andy, he has really helped me to understand my financial position and has help to reorganise my finances in a tax efficient manner. We have a clear financial plan which will guide me through the next 25 years until retirement and I now feel far more confident about my future. He makes the effort and takes the time to ensure I understand everything.

Maria Ballatori - Surrey

Sterling & Law – Croydon:  Local IFA

Based in Croydon, I offer a range of financial services to individuals and families across Surrey.

As an experienced financial adviser, I offer a range of services covering:

— Financial planning & wealth management

— Independent financial advice

— Pensions advice & management

— Business & personal protection

— Intergenerational & Inheritance Tax Planning

We work with people from all walks of life, helping them to realise the financial future they desire.



Sterling & Law – Croydon

Ashton Court

94 Chatsworth Road




Frequently asked questions

Here are a few questions people often ask when seeking financial advice. 

How do I find a good financial adviser?

Finding and choosing a financial adviser can be a minefield – there are so many to choose from.  Here are a few things you can do to make it easier.

Firstly, ask about their experience – how long have they worked in financial services.  Secondly, have they helped people with similar requirements? Lastly, are they an independent financial adviser or ‘restricted’?

An independent adviser can recommend products and investments from the whole of the market. On the other hand restricted advisers, can only make recommendations from a small pool of investments, usually selected by the company they work for.

How much do you charge?

There are three stages to our process. The first is meeting with you, find out about your goals and objectives, and taking the time to understand your current financial position. This consultation is free of charge.

The second stage is creating your own financial plan. This is based on what you have told us and your goals for yourself and your family. Here, we charge a percentage of the amount you invest.

The last stage is the ongoing relationship. Here we charge a percentage of your ‘funds under management’.

What are the benefits of working with a financial adviser?

Firstly, you get an experienced professional by your side, helping in any area of your financial life. A financial adviser can help you plan for retirement, build your wealth, reduce taxes, and meet your long term financial goals. 

Furthermore, by creating a financial plan and managing your investments, they provide you with the freedom to go about your daily lives safely in the knowledge your wealth and long term finances are in safe, capable hands.

Lastly, they offer advice on protection and insurance products, designed to keep you and your family  financially protected should you fall ill, made unemployed or pass away unexpectedly.