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Financial Adviser in Rayleigh, Essex

Hello, I’m Paddy Denning, a local financial adviser based in Rayleigh, Essex. My areas of focus for my clients include providing independent financial, pensions and investment advice. Typically, I work with a wide range of clients, including:

  • Individuals
  • Couples and families
  • Business owners

I will take the time to understand your personal, familial and business goals, as well as any worries or concerns you may have about achieving them.

Why work with an independent financial adviser?

Here are just a handful of reasons to work with a local independent financial adviser:

  • Unbiased financial advice
  • Personalised and tailored approach
  • Expert knowledge
  • Long-term relationship
  • Value for money

If that sounds good so far, continue through this page to learn more about my services.

Looking for an independent financial adviser in Essex?

Contact me today on 01268 944122 to start the process.

A range of financial services to cater to your needs

The process of working with new clients starts with an initial complimentary consultation.

After our meeting, as a financial adviser in Rayleigh, I will work with you to create a customized plan to help you reach your aspirations, whether they be for yourself, your loved ones, or your business.

My key areas of specialism include pension advice and investment management, and I am a Chartered Financial Planner.

I have the necessary experience and skills to assist with a range of matters, including:

  • Pension advice
  • Wealth management
  • Retirement planning
  • Inheritance Tax mitigation
  • Financial planning

Here is a brief summary of the services I offer. You can find a detailed overview of my pension advice service further down this page.

Pension advice

My pension advice service helps you save and invest toward your ideal retirement. I will guide you through your options, with a complete focus on your own unique retirement goals and objectives.

Find out more: Pension advice

Wealth management

For high-net-worth individuals, wealth management and planning are key to achieving your long term financial aspirations. My wealth management service covers pensions, investments, inheritance tax advice and more.

Find out more: Wealth management

Retirement planning

My retirement planning service will help secure your financial future. Effective retirement planning helps to set realistic goals and create a savings and investment plan to provide financial security in later life.

My retirement planning service will help you make informed investment decisions, ensuring a comfortable retirement.

Find out more: Retirement planning

Inheritance Tax (IHT)

My IHT advice service helps minimise the tax burden on your beneficiaries. This is delivered by utilising a range of ethical and legal strategies. This can include gifting, trusts and wills to ensure assets are distributed in a tax-efficient way.

If you are seeking a local inheritance tax adviser, don’t hesitate to get contact me today.

Find out more: Inheritance tax planning

Financial planning

If you are looking for a financial planner in Essex, I can help. My financial planning service will help you achieve your personal, life and wealth goals. Professional financial planning involves creating a comprehensive strategy that addresses all aspects of your current finances and future goals.

As a financial planner, I can help with budgeting, debt management, savings, investments, retirement and estate planning.

Find out more: Financial planning

Looking for an IFA in Rayleigh, Essex?

Call me now on: 01268 944122

An experienced financial adviser

As an experienced and local financial adviser, I offer tailored, accurate advice, aligned to your own unique goals.  To achieve your desired outcomes, I listen to your needs and only act in your best interests.

Everything starts with a conversation, so if you are looking for a local IFA, call me now on:

Why choose Sterling & Law?

There are several benefits to working with one of Sterling & Law’s independent financial advisers, (IFAs) like me.

When working with my clients, I will:

 Help you to invest towards your ideal retirement in a tax-efficient way

  • Provide unbiased, comprehensive advice with no restrictions on the products and services I can recommend
  • Help you achieve your investment objectives
  • Collaborate with you to develop a savings and investments plan
  • Take the time to understand your goals and help you find
  • Keep you on track toward your life and financial goals
  •  Help you plan for a happy, financially secure retirement
  • Support you during times of change, such as divorce, illness and job loss

Tailored financial advice in Rayleigh, Essex

As an independent financial adviser in Rayleigh, I am proactive in providing ongoing financial advice and planning. Maintaining consistent communication and contact with my clients is key to delivering tailored, personalized financial advice and support.

By adopting a relationship-based, informed approach, I will review your objectives and financial position, and identify new opportunities to help you achieve your long-term goals.

If you’re looking to speak with an experienced independent financial adviser, don’t hesitate to call me now.

Pension Adviser in Essex – a trusted professional

If you are planning for, approaching, or in retirement, as an independent pension adviser in Rayleigh, Essex, I can help.

As life expectancy increases, it is increasingly important to plan for a retirement that may last longer than 20 years.

Changes in government legislation may also require individuals and families to reconsider their long-term retirement plans.

In these circumstances, obtaining pension advice can be crucial.

Expert pension advice for all stages of retirement

I have been providing pension advice in Rayleigh for a number of years. As a pension adviser, my role is to help you evaluate your current position regarding your overall retirement, wealth, and later life income goals. I will work with you to identify any shortfalls and develop a plan to save and invest effectively to achieve your retirement goals.

My pension advice services are available to people of all ages, whether you are actively saving for the future or approaching, or in retirement. I can provide specialist pension advice or help you consolidate multiple pension plans into a single, manageable fund.

The benefits of investing in a pension

Pensions are a wise investment for retirement and offer several benefits, including:

  • Regular income during retirement
  • Tax advantages
  • Potential for employer contributions

It is important to carefully consider your options and select a pension plan that is appropriate for your individual circumstances, attitude towards risk and financial goals. It is also advisable to start saving for retirement as early as possible in order to maximize the potential growth of your pension and increase your financial security in the long term.

Pension planning and consolidation services

As an independent pension adviser with extensive experience, I am well-equipped to design a retirement plan that meets your specific needs and goals. In addition to providing a steady source of income during retirement, pensions offer numerous tax advantages and other benefits that can help you achieve financial security in the long term. My pension advice and planning services can help you:

  • Consolidate all of your current pension plans into a single, easily manageable fund
  • Assess the role of any other savings and investments you may have
  • Determine an appropriate risk/return profile
  • Focus on your busy life without worrying about your retirement

Looking to speak to an experienced pension adviser in Essex?

Call me now on: 01268 944122

About Sterling & Law – local independent financial advisers

Since our establishment in 1997, Sterling & Law has been dedicated to using our expertise to help clients navigate the financial world’s complexities.

We are passionate about financial advice and prioritise our client’s needs above all else.

Working with us for financial planning does not have to be a tedious and complicated process. Instead, we aim to make managing your finances a seamless and enjoyable experience.

To achieve this, we strive to build a long-term, trusting relationship with you and your family. You can count on us to deliver.

About Paddy Denning – local IFA and pension adviser

I first began my financial services career in 2012 working for a national advisory firm based in the city, acquiring vast experience across a wide range of advice areas. I have more recently worked in a holistic financial advice practice that specialised in retirement planning for high net worth individuals.

Emphasising continued professional development, I obtained Chartered Financial Planner Status in my early twenties, making me part of a select few of my peers to achieve this qualification.

I operate in the City of London, providing tailored solutions to both young professionals and private clients seeking advice on retirement planning, investments and protection.

You can find out more about my full range of services on my personal micro-site:

Need financial advice?

Call me now on: 01268 944122


Chartered Financial Planner

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 have been using my adviser for some 5 years and cannot praise him enough for the care and advice he has given both to myself and my company. Sterling & Law really care about their clients and I would have no hesitation in recommending them to anyone that needs good professional advice.
JB - London
My adviser is very knowledgeable in the areas of investments and pensions. I found her very thorough and look forward to an ongoing relationship.
AJ - Dartford
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

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