Sterling & Law
Jonathan Smith

Jonathan Smith

Hitchin, Herts

  • T: 01462 420 544
  • M: 07802 200 578
Jonathan runs the Sterling & Law practice in Hitchin, Hertfordshire where he is renowned for his technical knowledge of investments and trusts; he works closely with solicitors and accountants to provide investment, pension, inheritance tax and estate planning advice to clients.
His exceptional career began in 1993 at Black Horse Financial Services (part of Lloyds Bank) where he soon became one of the company’s top senior consultants, winning multiple awards during his time there. Jon was held in high regard by colleagues and peers who often requested his technical knowledge on complex transactions. Following a successful five-year spell at J Rothschild Assurance (now St James’s Place), Jon joined Sterling & Law as an independent financial advisor, intent on growing his client base.
Jon’s considerable expertise also extends to mortgages, family and business protection as well as corporate and business financial planning. As an experienced and highly respected member of the Sterling & Law team, Jon’s opinion is widely sought by clients, professionals and other advisors within the practice. He also plays a significant role in formulating Sterling & Law’s policy for investment business.


I have dealt with Jon for over 20 years during which time he has been of invaluable help in structuring my affairs.
He has arranged several non standard financial packages over the years, when others could find no solution, the latest being the conversion of a property into two flats in London, not an easy task in the prevailing mortgage climate.
On a personal basis he is honest, reliable and has a knack of presenting complicated scenarios in a an easy to understand format.
His advice has always been carefully researched and impartial, and not necessarily what I wanted to hear !
I have no hesitation in recommending him unreservedly.

DAVID, Warwickshire, Property Developer


I received advice from Jonathan on some complex mortgage and equity release issues that had been dragging on for several years. Subsequently, I was able to resolve all outstanding issues to my complete satisfaction. I found Jonathan to be very competent, direct and no-nonsense. Not only would I have no hesitation in recommending him to others, I am currently taking his advice on my latest projects and investments.

Dion, London, Laboratory Manager


It was made clear from the outset that the initial advice was free and that charges would apply as and when we would be investing in equities. I had previously invested in funds but Sterling and Law (S&L)’s advice was more cost effective, both in buying into funds and maintaining investments. We were advised to use Open Ended Investment Companies and Platform Companies, which is proving to be more cost effective and the returns are meeting expectations. We are so pleased with this approach that we are moving our previously invested monies into the funds managed and maintained by S&L. We have also had advice from S&L on pension pots, etc. and have been advised to take courses of action, which benefit us, rather than resulting in S&L benefitting in professional fees.
Overall, S&L have given good advice, advising on risk and potential returns, and setting up and managing our equities portfolio, totally to our satisfaction.

John, Hampshire


Jon fully understood my requirements to take out an annuity from my SIPP fund and to transfer the balance to a better performing fund. He spent unlimited time establishing what the best annuity would be for me and arranged the transfer without any problems. He also spent time to establish my attitude to risk before arranging the transfer of my remaining funds to a new SIPP.

Brian, Cambridgeshire


Jon is approachable, professional, easy to talk to and extremely knowledgeable. Nothing is too much trouble and he is extremely customer orientated. He is always on hand for advice and always happy to assist. He acts with integrity and is always willing to go the extra mile to ensure complete understanding. A good quality adviser will let you know when you are about to take an unjustifiable risk. Jon will always stick to advice given and does not provide lip service in order to please. I would highly recommend Sterling & Law and cannot praise them enough for taking care of my portfolio and increasing my success. If you are looking for straight talking good quality advice, at a reasonable cost, in a friendly and welcoming company than Jonathan Smith is the without doubt who you are looking for. I know that my finances are in good hands and I foresee a lifelong relationship with this adviser and indeed his company. After several bad experiences, I know a good adviser when I meet one.

What could your adviser do better?
Nothing – However, this adviser would do well to act as a mentor for other FA’s and help raise the bar for those who get it so very wrong.

Anne, Hertfordshire, Director



I only wish I had approached Sterling & Law years ago, but was worried that financial advice was exclusively for the wealthy. Anything but! They made me with my meagre pension contributions feel very important. Thank you!”
IS S London

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