Independent Financial Adviser in Croydon & Surrey
Pensions, financial planning, wealth management, and business protection.
Helping you plan for and achieve your financial goals.
A Local, Experienced Financial Adviser
If you are looking for impartial, independent financial advice, I am here to help. As an IFA, my role is to listen to your specific requirements and work with you to offer bespoke, specific advice aligned to your requirements. Whether you are planning for your financial future, or require support during a sensitive matter, or a change of circumstances, I will approach our relationship with complete professionalism and discretion.
Contact me today, to book your free 1-hour consultation.
Trusted advice, backed by customer reviews
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, your finances and financial future is in safe hands.
An experienced IFA offering a range of services
I work with individuals and families from various backgrounds, each with unique financial goals.
My role is to help people realise their dreams, build their wealth, and secure income in later life by offering tailored advice.
If you are looking for a local, independent financial adviser, here are the areas in which I can help you:
- Pensions advice, planning and consolidation
- Investment planning and advice
- Retirement planning
- Wealth management and financial planning
- Protection policies
Everything starts with a conversation, contact me today on 07834 269 891
Had a change in circumstances? Here’s how I can help
Life often presents us with challenges and heartache. Plans change, and the support of a local IFA can be crucial in overcoming any financial hurdles.
If you are looking for the advice and support of a financial adviser, here’s how I can help:
- Death in the family – helping you manage an unexpected inheritance
- Ill health – helping to bridge the income gap, and planning for your new reality
- Redundancy – helping you re-plan your short-term finances
Why work with a financial adviser?
Financial advice covers a broad range of disciplines. Here are some of the reasons to work with an IFA. When working with clients, I:
- Offer whole of market, unrestricted financial advice
- Help you meet your financial & investment goals
- Work with you to formulate a long-term savings plan
- Help you plan for a happy, financially independent retirement
- Work with you during times of financial adversity & during periods of change
Need advice? Click the button below and submit an enquiry to request a callback.
Client testimonials
Read a selection of our latest client testimonials.
Andy is very approachable and explained everything in a very down-to-earth way that was easy to understand.
Andy has been really concise and clear about options available, has responded quickly and patiently with questions and generous with his time.
Andy listened to our needs and took onboard our circumstances and preferences to set a plan that will put us in a better position than we are at present.
Looking for an experienced IFA?
As an FCA-regulated, experienced local independent financial adviser, I work with individuals and families from a range of backgrounds. Typically, I work with those looking to invest towards their futures, their retirement, and family
Everything starts with a conversation, contact me today on 07834 269 891
Meet Andy Norrington
As an IFA, I offer independent, impartial financial advice to a range of individuals and families. My independence means I am not tied to any provider or scheme and work to the client’s specific needs and requirements. My areas of focus and expertise cover:
- Independent financial advice
- Pensions
- Financial planning
- Wealth management
- Intergenerational & inheritance tax planning
- Business & personal protection
To find out more about me, my experience and my qualifications click here
Contact Andy
“Andy is very approachable and explained everything in a very down-to-earth way that was easy to understand.”
Accessible, affordable financial advice. We are here to help.
Address
Sterling & Law – Croydon
Ashton Court
94 Chatsworth Road
Croydon
CR0 1HB
Frequently asked questions
Here are a few questions people often ask when seeking financial advice.
What does a financial adviser do exactly?
A financial adviser helps you make informed decisions about your money and future plans. Advice may cover pensions, investments, retirement planning, protection policies and inheritance tax. The goal is to help you organise your finances and create a strategy aligned with your personal objectives.
What is the average fee for a financial adviser?
Fees vary depending on the type of advice required and the complexity of your circumstances. Some advisers charge fixed fees, while others may charge a percentage of assets or an hourly rate. A reputable firm should always explain charges clearly before any work begins.
Can I speak to a financial adviser for free?
Yes, many firms offer an initial consultation at no cost. We offer a free consultation. This allows you to discuss your circumstances, ask questions and understand how the advice process works. It also allows both parties to decide whether working together would be a good fit.
What is an independent financial adviser?
An independent financial adviser can recommend solutions from across the wider market rather than being limited to a specific provider or panel. This broader approach allows recommendations to be based on your needs, objectives and circumstances rather than a restricted range of products.
Can an adviser help with my pension?
Yes. Pension advice can include reviewing existing arrangements, consolidating pensions, planning retirement income and assessing investment options. Professional guidance can help ensure your retirement savings remain aligned with your future plans, attitude to risk and desired lifestyle.
Is it worth paying for professional advice?
For many people, yes. Professional guidance can help you avoid costly mistakes, improve financial organisation and identify opportunities that may otherwise be overlooked. The value often comes from having a clear strategy and ongoing support rather than focusing solely on investment performance.
How do I choose the right IFA?
Look for someone with relevant qualifications, strong client reviews and experience in the areas where you need help. It is also important to find a professional you feel comfortable speaking with, as successful advice relationships are often built over many years.
What is the difference between independent and restricted advice?
Independent advice considers products and solutions from across the market. Restricted advice is limited to certain providers, products or areas of expertise. Understanding this distinction can help you decide which approach is most suitable for your personal financial circumstances and objectives.
Do I need advice if I am already retired?
Retirement often brings important financial decisions around income, investments, tax and estate planning. Professional guidance can help ensure your assets continue working efficiently, while providing reassurance that your plans remain aligned with your needs throughout retirement.
What is a red flag when choosing an adviser?
Be cautious of anyone who guarantees investment returns, pressures you into making quick decisions or is unclear about fees. A trustworthy professional should explain recommendations clearly, provide transparent information and take time to understand your circumstances before offering advice.
What are your fees?
Sterling & Law has a transparent fee structure and process that has three stages. First, we meet to understand your financial goals and current position, and this consultation is free. Next, we create a personalized financial plan, charging a percentage of your investment. Finally, we charge a percentage of your funds under management as part of our ongoing service.