Sterling & Law

Articles

Here, you can read articles written in-house by Sterling & Law’s very own independent financial advisers on a full range of topics updated every month.

Can I gift my home to my children to avoid inheritance tax?

Can I gift my home to my children to avoid inheritance tax?

9th January 2018

We spend our lives paying all sorts of taxes. Income tax and national insurance on your earnings, income and capital gains tax on your savings. Stamp duty when you buy your house, council tax to live in it. Car tax, fuel tax, value added tax; excise duty, corporation tax if you run your own business Read more ›

Renting in retirement; a worrying prospect

Renting in retirement; a worrying prospect

4th December 2017

When we think of “generation rent”, we think of people in their 20s and 30s struggling to get onto the property ladder. This is especially true in London and the South East, where we all know that those on an “ordinary salary” will struggle to get onto the property ladder without the help of Bank Read more ›

6 things we can learn from the wealthy

6 things we can learn from the wealthy

3rd November 2017

Take a second and think of someone you really admire. Chances are that nine out of ten of us would have chosen someone who’s successful and wealthy. The wealthy are different. Not only do they have cash the likes of which most could never realistically dream of, they also have a different mentality. While you Read more ›

What would an interest rate hike mean for you?

What would an interest rate hike mean for you?

11th October 2017

The Bank of England has been hinting that interest rates would rise for several years now, but has held them at 0.25%.  A rise now looks increasingly likely, with the first hike expected in November 2017. Rates could double from 0.25% to 0.5%. What does this mean for you? If you’re a homeowner You’ll likely Read more ›

Survival kit for the self-employed

Survival kit for the self-employed

18th September 2017

Let’s take our hats off to everyone who is self-employed. I think it takes real courage to invest your own money in yourself, in a business you believe in, taking a calculated risk, knowing that if it fails, your whole world could come crashing down. Being self-employed is a case of putting your money where Read more ›

No plan, no cigar!

No plan, no cigar!

2nd August 2017

Pensions and retirement planning should be taken seriously, even at a young age. Sadly, this is often not the case. I meet people all the time with money in their pension pots and they don’t see it as real money but as wooden dollars. They don’t seem to care how the money in their pension Read more ›

How persistent should a financial adviser be?

How persistent should a financial adviser be?

20th July 2017

I don’t like the word “pushy” that’s why I use “persistent” instead. Pushy has unpleasant overtones, like the timeshare salesman we met in Tenerife who just wouldn’t give up until we’d signed on the dotted line. Mainly driven by commission, we knew he would be counting his money before we’d walked out the door. Persistent Read more ›

Five financial discussions you need to have before it gets serious

Five financial discussions you need to have before it gets serious

8th June 2017

Things are getting serious and by serious, I mean you are considering moving in together and opening a joint bank account to cover the bills and expenses. This idea feels romantic and shows a sign of your love and commitment to a future with one another. Ok, you can stop playing the violins now – Read more ›

Should we be nicer to landlords?

Should we be nicer to landlords?

6th June 2017

It’s difficult to be sympathetic with landlords. The word “landlord” in itself conjures negative connotations and makes one think of unscrupulous property owners who care little about their tenants.  According to my local Estate Agent, the average two-bedroom flat for rent stays on the market for no longer than two weeks, whether furnished or unfurnished. Read more ›

If I was a better adviser…

If I was a better adviser…

5th May 2017

I met up recently for coffee with a financial adviser I used to work with. I noticed that he wasn’t his usual happy self. I asked him what was wrong and this was his story: “James, who was in his early thirties, called me a couple of months ago wanting pensions advice. He had to decide Read more ›

I am a great procrastinator and my Sterling & Law adviser takes the fear out of making decisions. I am now able to take action with confidence. Thank you.”
A Holder, London

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