Independent Pension Advice in Croydon & Surrey
Experienced pensions adviser, helping you plan for the retirement you desire.
Based in Croydon, covering the whole of Surrey.
Experienced, Award Winning Pensions Adviser
For many people, pensions form the foundation of a financially secure retirement. By working with a local pensions adviser, you can build a retirement strategy aligned with your goals, plans and attitude to risk. Pensions are also one of the most tax-efficient ways to save for retirement, with tax relief helping to boost contributions and potentially increase the value of your pension fund. The earlier you start planning, the greater your options.
Looking for a pension advice service from a qualified, experienced, local adviser?
Contact me today for a free 1-hour consultation.
Trusted, independent advice
Providing the highest level of customer service is paramount to building 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, your finances and financial future are in safe hands with Sterling & Law.
Pension advice and management
With life expectancy in the UK rising, it’s never been more important to start planning for your retirement. Individuals, families and business owners are having to fund a retirement likely in excess of the usual 20-25 years.
You can ensure a comfortable and secure future by taking proactive steps now.
A trusted local adviser
As a qualified local pensions adviser, I am here to explore your retirement aspirations, evaluate your current situation, and provide recommendations aligned with your goals.
Here’s how I can help:
- Formulate a plan to meet your objectives
- Offer flexible solutions for changing circumstances
- Adapt strategies to match your available resources
Whether you’re starting your investment journey, nearing retirement, or already retired, my pensio advice service is here to help you achieve your goals for later life.
Let’s work together to secure your financial future
Need advice on your pensions?
Call me now on 07834 269 891 to discuss your requirements
Tax-efficient retirement income planning
There are countless reasons to invest in a pension. Of course, you should always seek independent advice from a financial adviser for pensions when making decisions; however, the main reasons are:
- Securing income in later life
- Pensions are a tax-efficient investment
- Government contributions (tax relief)
- Tax incentives for business owner
- Securing a financially independent retirement
The different types of pensions I advise on
I work with various individuals; some are business owners, and others have served their employers well over a lengthy career. Typically, when providing pension advice, I focus on:
- Workplace pensions
- Defined contribution pensions
- SIPPs (Self invested pensions)
- Personal pensions
Everything starts with a conversation, so contact me today on 07834 269 891 to request a callback.
Customer testimonials
Have a read of some of my recent customer 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.
Local, experienced pensions adviser
As an FCA-regulated pensions adviser, I work with individuals and families from a range of backgrounds. Typically, I help those planning for retirement, as well as those looking to use the tax-efficient benefits of pensions to build long term wealth.
Everything starts with a conversation. Contact me today to arrange a free, no-obligation meeting or call.
Helping you plan for retirement
As a pensions 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 customer’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 qualifications click here
Contact Andy
“Andy listened to our needs and took on board our circumstances and preferences to set a plan that will put us in a better position than we are at present.”
Pensions Videos & Insights
Looking to learn more about pensions? Watch some of my latest educational video content.
Experienced pension adviser. Helping you plan for later life.
Address
Sterling & Law – Croydon
Ashton Court
94 Chatsworth Road
Croydon
CR0 1HB
Pensions FAQs
Please find below annswers to some questions you may face about our pension advice service.
Is it worth paying for pension advice, and how much does it cost?
Many people find pension advice valuable because it can help them avoid costly mistakes, improve retirement planning and make better use of available allowances. The cost varies depending on the complexity of your circumstances and the services required. Clear fee information should always be provided before any recommendations are made.
Can I retire at 55 or 60 with just a pension?
Possibly, but it depends on the size of your pension savings, expected retirement income needs and lifestyle goals. Factors such as investment growth, inflation and life expectancy must also be considered. A pension adviser can help assess whether your current arrangements are likely to support your desired retirement date.
Who is the best person to talk to about pensions?
A qualified pension adviser or independent financial adviser is often best placed to help with pension planning. They can review existing arrangements, explain your options and help create a strategy aligned with your retirement objectives. Independent advisers can also access solutions from across the wider market.
How much should a pension adviser charge?
Pension adviser fees vary depending on the type of advice required and the complexity of your situation. Charges may be based on a fixed fee, an hourly rate or a percentage of assets under management. A professional adviser should explain all fees clearly before any work begins.
How do I get good pension advice?
Start by speaking with a qualified and regulated pension adviser who takes the time to understand your goals and circumstances. Good pension advice should be tailored to your needs, clearly explained and focused on helping you achieve your long term retirement objectives rather than recommending generic solutions.
Is it better to get independent pension advice?
Many people prefer independent pension advice because it provides access to a wider range of pension products, providers and investment solutions. Independent advisers are not restricted to a limited panel, allowing recommendations to be based on your circumstances, retirement goals and overall financial position.
How do I find a good pension adviser?
Look for a qualified adviser with relevant experience, transparent fees and a strong reputation. Independent reviews, professional qualifications and recommendations can all be helpful. It is also important to choose someone who communicates clearly and understands your retirement goals and wider financial circumstances.
What are your fees?
Our fees are typically based on a percentage of funds under management. The initial planning and recommendation stage usually attracts a slightly higher charge as it involves research, analysis and creating a personalised strategy. Ongoing fees cover regular reviews, support and management of your financial plan.
What should I bring to our first meeting?
It is helpful to bring details of any pensions you hold, investments, savings and information about your current pension contributions. We will also discuss your desired retirement age, expected lifestyle in retirement and any financial goals, helping us understand your circumstances and future aspirations.
Should I combine all my pensions into one pot?
Bringing pensions together can make retirement planning simpler and easier to manage. However, consolidation is not always appropriate, particularly where valuable guarantees, benefits or charging structures could be lost. Professional pension advice can help determine whether combining pensions is suitable for your circumstances.
Can pension contributions reduce corporation tax?
In many cases, employer pension contributions can be treated as an allowable business expense, potentially reducing a company’s corporation tax liability. However, eligibility depends on factors such as contribution levels and business circumstances. Professional advice can help ensure contributions are structured efficiently and appropriately.