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Independent Financial Consultant
Paddock Wood Practice
Sterling & Law is a firm of Independent Financial Advisers (IFA). Our office in Paddock Wood close to Tonbridge and nearby Tunbridge Wells, specialises in providing financial planning, pensions, mortgages and investment advice to individuals and businesses in the local area.
Jon Gandell is the Paddock Wood practice principal.
• The first meeting with us is at our cost and we are happy to come to you. All fees will be agreed with you before we start any chargeable work.
• Any recommendations will be from the whole of market – we are not tied or restricted to any financial institutions which means you will receive the most suitable advice.
• You will receive a friendly, professional service, at a time and place that suits you.
• We provide regular reviews for all of our pension and investment clients, ensuring you are on track.
We are not tied to any financial institutions and it is our goal to provide you with the best possible independent financial solutions from the whole market.
Being a part of the Sterling and Law group ensures that we have access to the high quality research facilities required to fulfil this objective. Our client-first philosophy places you at the heart of everything we do.
Sterling and Law has offered sound, independent financial advice since 1997. Over the years we have worked to provide the highest standards of independent financial advice and customer service by ensuring we listen and understand what is important to you.
Recent legislative change means that there has never been a more important time to review your finances – take advantage of a free consultation meeting at a time that suits you.
Paddock Wood Testimonials
"Our circumstances had changed so we felt the need to seek advice.
Jon was most helpful in guiding us in the right direction. He made things very clear and easy to understand without being patronising and certainly did not push us to make hasty decisions.
We are very happy with the advice that he offered, the products were well suited to our needs."
"The partners in our business needed to undertake a review of their personal pensions together with looking at someone to help the business with auto-enrolment.
We wanted to consolidate our pensions and Jon explained in detail and gave us projections on our existing pension providers and how they were performing compared to other providers and it was a very simple exercise to get our pensions consolidated and we are very pleased with the outcome.
We were also looking at help in setting up and managing auto-enrolment for our business which is both an administrative nightmare and burden on the business. Jon gave us an overview on what was out there in the marketplace and the costs etc involved and what would suit both the business and our employees the best. As we were novices at this type of thing Jon & his team made the transition with auto-enrolment painless.
The outcome for our business was very good, Jon did everything we wanted from him."
"I needed to know if there was any benefit consolidating my old company pensions. Jon advised on the consolidation of pensions & provided options for the new pension company with minimum of fuss.
Jon did exactly what was required in timely and efficient manner. Nothing could have gone better, as everything that was discussed & planned was executed with the utmost professionalism."
"I got in touch with Jon regarding my family protection. I wanted to be sure that I was offered the whole market.
Jon was very open from the beginning about everything which was great. The documents were explained and easy to follow, really happy with the outcome. Jon explained the whole process from start to finish.
I was happy with the complete service."
"I was looking to consolidate my old company pensions into one product.
Jon really took time to understand my overall financial situation, my circumstances, my future plans, the level of risk I was willing and able to take and how I plan to make provision for my retirement.
He was able to advise on the various different options available to me and took time to ensure I had considered each option and completely understood them.
He also advised on an insurance policy after identifying that I was at risk in the event of no longer being able to work before the age of 55.
I now have a consolidated pension product which will save me money across the term and will hopefully make me more money providing markets follow historical trends.
Jon took time to suggest the best possible option for me. He was polite, professional, informative, friendly and cheerful throughout and tailored his advice and method of explaining complicated areas specific to my level of understanding."
"I didn't believe that my previous FA was providing me with a good service.
Jon moved my existing pension into a better managed scheme and significantly reduced the management fee I was paying.
Nothing could have been done better."
"You've been a star and trooper through all of this looking after us.... I know we have been a handful!"
"One thing I learned from meeting different advisors is that there is quite a variety in services offered. Jon was very good at clearly setting out and explaining his approach.
My father had been scammed by his previous advisor, leading to a halving of his pension pot and a (successful) compensation claim to the FSCS. We were seeking advice on how to get out of previous investments and move into more suitable investments. We met with 3 different advisors before choosing Jon.
Jon took the time to understand our needs, recommended a way to invest pension assets going forward and has arranged the transfer of assets. We appreciated Jon’s manner; he was very good at explaining options in ways that did not require any prior knowledge of investments and was never condescending.
There is now a more sensible and straightforward plan in place that we are happy fits our needs.
I have known my adviser now for a number of years. It was the best recommendation I have ever had. He rescued me (and my finances) from a poor investment portfolio and turned it around completely.”
MI - Ealing
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