Sterling & Law

“You don't have to be old to be discussing pensions"

We can provide advice on a wide range of retirement planning options, whether you are still building your pension savings or have reached – or are approaching – retirement.

Whatever your circumstances, whether you are employed or self-employed, independent financial advice from Sterling & Law will help you determine the right retirement planning for you.

•Are you in the early stages of bulding a pension fund?
•Do you need investment advice for the pension fund you are building?
•Do you have any old pensions that could do with a review?
•Are you at or nearing retirement and concerned about your options?

Our team of advisers can provide guidance on a wide range of retirement planning options, no matter which particular stage you may have reached.

The accumulation phase

We will review your existing arrangements and help you to better understand your options.

We can provide impartial advice on:

  • Current and preserved occupational pension schemes, including final salary (defined benefit) schemes, executive pension plans (EPPs) and small self-administered schemes (SSASs).
  • Personal pension plans, including self-invested personal pensions (SIPPs).
  • Suitable retirement savings strategies.


Once you reach or are approaching retirement, how you use your funds is quite often the largest single financial planning decision you will make. There is a wide range of options available and we will tailor suitable solutions to meet your particular plans for retirement.

These may include:

  • Conventional annuities.
  • With-profits annuities.
  • Income drawdown.
  • Phased retirement.

Very clear and helpful. My adviser did not try to sell me anything I did not want and got straight to the point. Very clear about charges and offered great advice. I could not have asked for a better service.”
GF - Richmond

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