Pensions Advice in Croydon & Surrey

Experienced pensions adviser, helping you plan for the retirement you desire. 


Based in Croydon, covering the whole of Surrey.

Experienced Pensions Adviser in Croydon & Surrey

For many, pensions are the backbone of a financially independent retirement. By engaging a local pensions adviser your will be working with a specialist, whose aim is to help you maximise your retirement fund, in line with your goals and attitudes to risk.

Furthermore, pensions are incredibly tax efficient. Your investment, coupled with government contributions can help individuals grow their retirement pot, in a tax-efficient way.

Looking for pensions advice from a qualified, experienced, local IFA? Contact me today for a free 1-hour consultation.

A trusted, local pensions adviser covering Surrey

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.

Pensions advice for individuals, families and business owners

With life expectancy in the UK rising, individuals, families and business owners are having to fund a retirement likely in excess of the usual 20-25 years.

A qualified, specialist local pensions adviser, I will work with you to understand your retirement goals, asses your current position and make adjustments to your plan in line with your available resources..

If you are at the start of your journey in investing for your future, nearing, or at the point of or in retirement, I can help formulate a plan to meet your personal objectives. 

Pensions advice – a quick overview

Here is a quick overview of some of the areas I can immediately provide guidance and support:

  • Pensions – personal, stakeholder, company, self-invested personal pensions (SIPPs) and drawdown
  • Making use of your annual allowance, and steering you through the confusing tapered annual allowance for high earners
  • Making additional pension contributions using pension carry forward and making the best use of government contributions (tax relief)
  • Assessing your pension against the Lifetime Allowance for pensions and providing tailored advice


Reasons to invest in a pension.

There are countless reasons to invest in a pension. Of course, you should always seek independent advice when making financial 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 owners
  • Securing a financially independent retirement

The different types of pensions

I work with a range of individuals; some are business owners, and others have served their employers well over a lengthy career. Typically when providing pensions advice, I focus on:


  • Workplace pensions
  • Defined contribution pensions
  • SIPPs (Self invested pensions)
  • Personal pensions

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, specialist pensions adviser, I work with individuals and families from a range of backgrounds. Typically, I work with those looking to invest towards their retirement, and those who use the tax-efficient nature of pensions to accumulate wealth.

Everything starts with a conversation, contact me today for a free no-obligation meeting or call.  

Andy Norrington, Independent Financial Adviser

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

07834 269 891

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.

Pensions Videos & Insights

Looking to learn more about pensions? Watch some of my latest educational video content. 

Experienced pensions



Sterling & Law – Croydon

Ashton Court

94 Chatsworth Road