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Antony has been a Senior Wealth Manager at Sterling & Law since June 2000 and is one of our most experienced and trusted advisers. Antony specialises in retirement and investment advice.

A retirement specialist, acclaimed by The Guardian for giving ‘best impartial pensions advice’

Antony says, ‘Being singled out by an undercover Guardian journalist for giving the best impartial pensions advice was a wonderful surprise. I have always tried my best to ensure that all my clients receive that high standard of care, from the very beginning right up to the achievement of their goals. This, along with great customer service, has been the basis of many excellent client relationships over the years.’

In addition to addressing your immediate needs, Antony will stay in touch with you through annual Zoom or face to face meetings to ensure that your plans remain on track.

Antony advises clients at all wealth levels, from high-net worth individuals with money to invest to those wondering what to do with old workplace pensions or going through a divorce.

His advice focuses on maximising your investment returns, maintaining tax efficiency and keeping provider charges as low as possible. These three factors are crucial when it comes to maximising your retirement income needs and investment returns over the long term.

You can contact Antony at any time and he will be happy to discuss your bespoke requirements.

Testimonials for Antony Lopez

“Thank you Antony; you are the best IFA l have ever dealt with!
You should be knighted! My client’s IFA’s are highly incompetent compared to you! We are lucky to have you looking after us.”

Jas (London)

“Antony completely understood me, my attitude to risk, and what I was looking for. He listened to me, and worked with me to ensure that I was comfortable with the suggested way forward. I liked the fact that he never tried to push me in a certain direction – it really felt like my choice, but I felt better about it, having had the benefit of speaking to Antony and drawing on his expertise. I found Antony to be completely professional but very approachable. His responses to my emails were extremely prompt, and he was always courteous. When I spoke to him over the phone, he made me feel relaxed and at ease, and treated me as an equal.”

Gail (Hertfordshire)

“From the word go Antony was both professional, knowledgeable and quickly understood my particular situation, what I wanted to do and why I wanted to do it. Antony always responded quickly to many questions I had, and given the nature of some those questions he showed a great deal patience. His advice always had my best interest at their core.”

Kevin Bain (Essex)

“Antony fully understood my circumstances, explained the possible options available to me and their consequences which enabled me to achieve the result I was looking for. We were working to a tight timescale but Antony’s knowledge and diligence allowed us to complete the transfer. I was always clear on what I was looking to achieve and Antony’s expertise allowed me to do so. I am extremely confident that I have made the right decision which will ultimately change my life for the better. Antony could not have been more helpful. I would have no hesitation in recommending his services in the future.”

Mark Baker (Essex)

“Antony could not have been more helpful. I would have no hesitation in recommending his services in the future. Antony reviewed all our current arrangements, provided illustrations and identified the pros and cons of our options. The service Antony has provided has been exceptional – we have never had to chase for an update. He has either emailed or called at every stage of the process. The service we have received could not have been better.”

Chris & Clare Donovan (Essex)

“We REALLY can’t thank you enough for everything you have done for us. We know it’s a small consolation but we feel that we are so borderline in the big scheme of things and know you have much bigger fish than us in the pond. You have always been honest, upfront and whichever way this goes we will always be eternally grateful for the way you have dealt with us and for your total non pressured and unbiased professionalism.”

Mark & Lorraine (Essex)

“Just to say, we are so fortunate to have you as a contact. You are so professional and your approach really puts people at ease. We feel confident that we have secured the best product available and the whole process has been made easy and straightforward because you are so organised and generally excellent at your job. So – THANK YOU!”

Rachel Worley (Kent)

“Antony provides clear and easy to understand beneficial advice in a confident and personable manner. Pensions can be a minefield and have Antony take both my clients through the process proved to be invaluable. I can not recommend Antony highly enough – such that I also would seek his advice and assistance on my own matters. What could they have done better………there really isn’t anything that I can suggest; having recommended and used Antony for over 18 years, there isn’t anything to improve upon.”

Olive McCarthy (Herts)

“Antony combines down-to-earth approachability and friendliness, with an exceptional knowledge base, networks, and eye for detail. He read and understands my financial needs well, and was able to communicate and tailor a bespoke financial approach which suited my desired level of understanding of products, lifestyle needs and personality. Open and upfront about fees, I have found Antony a commemorate professional and excellent communicator. Antony has taken the pain out of the extensive admin associated with pension transfer and has provided clear and effective solutions.”

Alison (Herts)

“Antony has a very friendly professional approach and it is obvious from the outset he clearly on top of his job. I wanted my five pensions consolidated into a drawdown plan, Antony was the only IFA to notice a feature on two of them that caused the others to give me incorrect advice which would have cost money if that advice had been followed. Antony always keeps in touch by email and responds really quickly, sometimes within minutes, and always the same day, to any questions or information sent to him. I have a reasonably large pension pot and the way fees are usually charged as a percentage of the pot are rather an issue for me, as I believe the same work will go into setting up a 100k pot as into managing one twice or three times as big. Antony agreed with that and instead we negotiated a fixed fee for the initial set up with an on going management fee lower than any of the other firms I spoke to. I have every confidence in Antony’s expertise and I will continue to use his advice in the future.”

David Blackwell (Suffolk)

“Antony has provided me with both pension advice for a number of years now, he is really easy to talk to, no matter how many questions I have and how daft they may be he always has the answers. Antony is completely professional and really helpful, I always leave our meetings and conversations safe in the knowledge that he has given me sound advice which will achieve the outcome I want, he removes all the stress and hard work you associate with making financial decisions. I can honestly say that for me there isn’t anything that Antony could do better, I have been so impressed with his services that I have recommended him to friends and colleagues and have no fear that he will do anything other than a fantastic job for them.”

Sara (Essex)

“Antony looked at our circumstances in great detail, including our general finances and attitude to risk. Once he had done this, he recommended a company that could cater for both of our pensions and was much better than the one my husband previously had his pension with. Once we had decided that we would go ahead, Antony spent a lot of time organising the movement of the funds, which was not easy, and he constantly kept in touch and updated us with his progress, which we appreciated.”

Gill (Essex)

” Antony has been my financial adviser for a number of years now. I have been completely satisfied with the services and products offered by Sterling & Law. In today’s marketplace where the term ‘conversation’ can and does mean a better match of customers’ needs and wants with companies’ products and services, Antony is fluent in both the language of business and that of financial planning. He is a keen listener and a passionate implementer. He does an excellent job, always attentive and punctual to demands of customer’s needs and wants. Antony also possesses a good knowledge of the financial markets. I would recommend Antony as your first point of contact on any financial matters.”

Cassandra Johnson (London)

“Antony has been an amazing adviser. He is always available and very helpful. Antony has made life so easy to understand when it has come to my investments/pensions and business. He provides me with all the necessary information and goes on to explain it all too – no matter how many time I need him to. Always on time, polite and sensitive to my situation.”

Shalini (London)

“I have dealt with Antony over the past 11 years and found him to be prompt, thorough, respectful of our circumstances and he never encourages to accept anything there and then and gives us time to think. I would have no doubt recommending his services to anyone.”

Steve (Essex)

“Antony made me feel really comfortable and helped me to understand my work pensions and what I could do with them. He’s always contactable and comes back to me really quickly with any queries. Really happy with the service and work Antony has been doing for me. I can’t fault the service.”

Madeline (London)

“I trawled the various government websites for advice, all of which recommended using an (independent) financial adviser. I eventually found several IFAs close to my residence in the UK and contacted them all by e-mail. From my initial e-mail correspondence, I received a very broad and diverse range of responses. Antony already stood out as being quick to respond, polite and professional in his presentation. Following a couple of e-mail exchanges, I had built sufficient trust and confidence to know that Antony had understood my needs, had provided detailed and comprehensive time scales for implementation and set out an action plan with associated costs. I had three pension pots with two different providers, one of which had the added complication of being trustee managed. Living overseas provided additional complications with regard to potential postage delays. Well within the time scales initially forecast, I have received my 25% tax free lump sum and the balance of my pension funds have been invested in a fully-flexible portfolio perfectly suited to both my short and longer term investment plans. In summary, I am immensely grateful to have found Antony. He instilled trust and confidence and delivered in every respect throughout the process, and will I know, continue to do so in managing my investments in the future. I will have no hesitation in highly recommending Antony to family, friends and colleagues in the future.”

Colin (Outside UK)

“We have known Antony for 12 years and have always found him to be a fantastic adviser to deal with. A steady hand on the tiller. Easy do get on with and free with impartial and balanced information. Our financial ‘go-to guy’”

Philip (Herefordshire)

“We just wanted to drop you a quick email to say thank you for all your help the last few months, we literally couldn’t have done it without you. Your amazingly quick responses have saved lots of grey hair and wrinkles; if only solicitors were as quick as you! Thanks again and I’m sure we will speak to you in the future.”

Leanne and Chris (Kent)

“We find Antony to be a friendly, approachable individual. His knowledge in his field is outstanding and he has up to the minute information to share with us. His manner is professional. We were able to contact him anytime with questions and his advice was always appropriate and made us feel confident in our options. Antony is very good at keeping us regularly updated on the progress of our application and how our pensions are performing. What could they have done better…….we are very happy with the service we receive from Antony and we will be continuing to use him as a financial adviser. We have recommended him to many of our friends, family and work colleagues.”

Elena Dunn (London)

“Antony is s a professional with the rare combination of communication skills and technical expertise. He update s me regularly and responds to queries the same day. I feel very lucky to have him looking after my finances.”

Mark (London)

“From the onset of my communication with Antony I found him to be extremely helpful and efficient. He reviewed my existing pension plan and after considering my personal investment objectives recommended that I move my pension to a new plan with considerable cost benefits and better growth potential. Very happy!”

Martin (London)

“Antony made me feel really comfortable and helped me to understand my work pensions and what I could do with them. He’s always contactable and comes back to me really quickly with any queries. Really happy with the service and work Antony has been doing for me. I can’t fault the service.”

Paul (London)

“I feel so lucky to have had you work on my case Tony, l really can’t thank you enough. Will make sure Jones Homes know how lucky they are to have you in partnership with them.
Thank you so much!”

Sippie Mungaraza (Kent)

“I would like to thank you for your superb work on obtaining us our mortgages, you have worked above and beyond our expectations and we have been very lucky to have you on our side and I would not hesitate a instance to recommend your company to anyone who would benefit from having you in their corner, thank you once again you were truly professional.”

Phil & Katherine Friar

“The good news is we completed yesterday. Thank you again for all your help and perseverance on this matter, we really appreciate everything you’ve done and feel very lucky to have such an excellent financial adviser. These are big decisions but made much easier when we have confidence in your sound advice.”

Ros Wallace (Kent)

“Well its happened! We are proud owners of the most beautiful house. We moved yesterday. Thank you so very much for your help, support and understanding in circumstances that were very fraught at times. On a personnel note from me, thank you for listening and supporting Lara at the most difficult time. Thank you for holding my parents hands. I know that wasn’t easy. Again, thank you Antony”

Andy & Lara (London)

“We both wanted to say thank you for your help, support, and most of all, for being ‘you’ during our trials and tribulations of moving to our new home. We are glad our paths crossed at such a pivotal moment in our lives – you won’t be forgotten. Should you ever need client references, let us know.”

Shimesh & Anita (London)

“Wow, this looks brilliant. Your service has been incredible, thank you.”

Rosie Lane (Kent)

“Thank you for all your help and support. Great service! We will definitely be interested in using you again.”

Steve Gurney (Kent)

“Thank you very much for your email, we have just completed and are over the moon! We are so grateful for all the help that you have given us with obtaining our mortgage and will definitely be recommending you to all our friends and family. Thank you for making the process run so smoothly, it really has been appreciated.”

Cheryl (Kent)

“I would like to take this opportunity, on behalf of me and John, to thank you for all your help. You have been fantastic with keeping us informed every step of the way, which has been a massive help given this is both new to the pair of us.”

Daisy Woodgate

“Just spoke to Charter Wyman about booking in my structural survey and Harry said you were one of the best brokers he has ever dealt with – very efficient!”

Rosalind Fitzgerald (London)

“Thank you for everything that you have done with regards to our mortgage and life insurance. Sadie and I are very pleased with the service that you have provided and we would recommend your services to others if they required a great financial consultant. When things get back to normal and I have moved etc. I will get in touch about a pension scheme for myself.”

Jeff (London)

“Thanks for your help throughout the whole process, you made everything very easy and understandable for us, and this has been greatly appreciated considering we are first time buyers.”

Mike & Laura (Essex)

“That we did get there in the end is predominantly thanks to your expertise . You have been very patient and guided the entire procedure so well. The Bubby shall be popped today!”

Nitan (London)

“Very clear on commission and costs, even before the regulations were recently tightened up.”

Alan (London)

“Antony’s found an ace new pension fund for me, and I feel my money is now working actively rather than languishing in my old employer’s scheme!”

Tamara & Steve (Kent)

“I just wanted to thank you for all your hard work and say that you have been a pleasure to deal with. Your customer service and professionalism are fantastic!”

Ashley (London)

“Clear and easy to understand advice with very good communication. Always there to answer any queries.”

Marc (Essex)

“We are genuinely over the moon with the service you have provided. We couldn’t have done it without you guiding us through the whole process, not only on the mortgage side of things but from surveys to tricky estate agents!! We really are grateful. And your quick turnaround on everything has been so impressive. We’ll certainly be recommending your services going forward…no wonder Penny did the same!”

Abbey (Essex)

“That is excellent. Thank you for your help and excellent responsiveness in working with us on the mortgage. It has been a pleasure (not something I always associate with financial and legal matters!)
Yera and I will be back in touch with you regarding financial advice on our pensions, as a separate matter.”

Colin (London)

“Thanks again for everything Antony! You have truly helped us beyond words can say………
We will always be thankful to you.”

Rebecca (Kent)



FPC 1, 2 and 3, CeMAP, Dip PFS

Contact Sterling and Law

If you have a query for us, please fill in this short form. We aim to respond within a few hours.

Please see a selection of recent reviews and testimonials our financial advisers have received

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!
SK - Forest Hill
My adviser did a grand job on sorting out all my pensions for me which lifted a great weight off my shoulders; also, excellent advice on savings and investments.
HN - Bedfordshire
My adviser made sure she completely understood me, my attitude to risk, and what I was looking for. She listened to me, and worked with me to ensure that I was comfortable with the suggested way forward. I liked the fact that she never tried to push me in a certain direction – it really felt like my choice!
SV - Greenwich

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