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"It does not do to dwell on dreams and forget to live."
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Pension calculator

Is your pension going to cover your financial needs in retirement? Try our pension shortfall calculator today.

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Independent pension advisers

Are you looking for personalised pension advice to help secure your financial future and income in later life? Our experienced advisers can help you navigate the complex world of pensions and retirement planning, providing tailored advice to suit your unique needs and circumstances.

By working with our pension advisers, you can gain peace of mind knowing that your pension is being managed effectively and that you’re on track to achieve your ideal retirement.

Contact us today to schedule your free consultation.

Need pension advice?

For a free initial consultation with a pension adviser, call  020 3740 5856

A professional pension advice service

Our pension advice service includes:

  • Comprehensive analysis of your current pension situation
  • Assessment of your retirement goals and aspirations
  • Creation of a bespoke pension plan tailored to your needs
  • Regular reviews to ensure your plan stays on track
  • Access to a team of experienced pension advisers and planners

With a network of experienced advisers across London, the Home Counties, and the South, the Sterling & Law team is on hand to help!

Looking to speak to an adviser?

For a free initial consultation with a financial adviser for pensions, call  020 3740 5856

Pensions – a tax-efficient investment

Pensions are one of the most tax-efficient investments available, offering generous tax relief on contributions and the potential growing your retirement fund over the long term.

Our advisers can help you maximise the tax benefits of your pension investments, ensuring that your money works as hard as possible for you.

Investing towards retirement

As life expectancy continues to increase, it’s more important than ever to have a solid retirement plan in place. 

Investing in a pension can be a crucial part of this plan, helping you build a sizeable retirement fund that will provide you with financial security in your later years.

Need advice? Schedule a consultation!

Take the first step towards securing your financial future today by scheduling a free consultation with one of our local pension advisers. We’ll take the time to understand your needs and aspirations, and provide you with tailored advice on how to achieve your retirement goals.

Contact us today

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

Your pension advisers

Looking for pension advice? Find a local adviser from the list below. Sterling & Law has independent pension advisers covering London, the Home Counties, and the South of England.

Our team has the expertise and knowledge to provide you with the best possible pension advice and support, wherever you are based.

Ealing, London
T: 0208 932 2211
T: 020 3740 5856
T: 01329 550 190
M: 07511 777 827
T: 020 3740 5856


The three main types of pensions are defined contribution, the state pension, and defined benefit. For those looking to take an active role in pension planning and investment choices, you can also invest in a SIPP.

Each type of pension has its own rules, benefits, and drawbacks, so it’s important to understand them when investing toward your retirement.

Please note: At Sterling & Law, we don;t advise on defined benefit pensions. 

Pension advice can help you understand your options, maximise your retirement income, navigate tax implications, and align your pension plan with your retirement goals.

Additionally, professional advice can illuminate complexities and guide informed decisions, offering peace of mind.

Lastly, a financial adviser for pensions can help you when life takes an unexpected turn. Divorce, the death of a spouse, or receiving an unexpected inheritance are all moments in life when professional advice can be crucial.

Furthermore, having access to a skilled financial professional can give you peace of mind and a steady guiding hand when required. 

This is very much a personal decision. Until you have met with one of our pension advice specialists, we can’t answer that ethically or with certainty.

However, here are some things to consider. Working with a pensions adviser can help you navigate the complex world of pensions, taxes and help you invest toward your dream retirement. 

They can also help you invest in a tax-efficient manner. This will ensure you’re making informed investment decisions and can maximise your retirement income. 

It’s beneficial to seek pension advice early and throughout your career to optimise contributions and investment strategy. Major life changes, nearing retirement, or navigating complex pension decisions are also key times for seeking independent pension advice.

If you feel a financial adviser for pensions could play a pivotal role in your investment journey toward retirement, contact us today for a free consultation. 

A pension adviser provides expert advice on pension planning. This helps you understand different pension types, make informed decisions about contributions, and plan for retirement. They tailor strategies to your circumstances and retirement goals.

Financial advisers for pensions ca play a crucial role in helping you minimise tax, and enjoy a financially abundant or comfortable retirement.

A pension adviser can help you navigate complex pension regulations and tax rules, potentially enhancing your retirement income. They provide personalised advice, considering your financial situation, risk tolerance, and retirement objectives.

Of course, this is a matter of personal choice, so consider your objectives and requirements before coming to your own conclusions. 

At Sterling and Law, we have a network of pension advice professionals covering London, the Home Counties, and the South of England. We cover all areas of London, Hertfordshire, Essex, Bedfordshire, Surrey, Kent, Hampshire, and Leicestershire.

We offer a complimentary initial consultation, and yearly reviews and can meet you in the comfort of your own home, or via Zoom

Both SIPPs and personal pensions have their unique features and advantages. It is recommended that you seek specialist pension advice to determine which option is best suited to your specific needs and circumstances.

One advantage of SIPPs and personal pensions is that they can be transferred between each other, although personal pensions are typically transferred to SIPPs more frequently. From a tax standpoint, both types of pensions operate similarly, allowing for flexibility in receiving various contributions, including employer contributions.

That said, not all employers will contribute to a SIPP so it’s best to ask the questions first before making any decision. 

At Sterling & Law, we operate a transparent fee structure. Our fees for ongoing pension management are based on ‘funds under management’. This is a percentage of the value of your pension pot.

You can find out more by visiting our page covering our pension management fees.

Yes, it is possible to retire without a pension.

Nevertheless, it may require significant savings and alternative retirement income sources such as personal investments, income from property, or government benefits.

It’s important to note that the government makes additional contributions to your pension, therefore, increasing the value of your pension each time you make ongoing contributions. This is called tax-relief and is one of the key benefits of investing in a pension when saving for your retirement years.

In the spring budget of 2023, the Chancellor Jeremy Hunt, abolished the Lifetime Allowance creating the opportunity to significantly increase your pension pot.

Whilst we don’t know what the future holds, this presents a significant opportunity to take further advantage of this tax-efficient investment.

Ideally, you should begin saving for your pension as early as possible.

Starting a pension at a young age provides the optimal opportunity to take advantage of the power of compound interest. 

By making early contributions to your pension, you can fully leverage the benefits of compounding, which allows even small contributions made early on to potentially have a greater impact than larger contributions made later in life.

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 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
I am very happy with the service Sterling & Law provides. If I have any problems or questions my adviser responds rapidly and always explains things I am not familiar with.
FP - Hertfordshire
My adviser responded quickly and visited me at home. Very clear and helpful in identifying my needs and attitude to risk. Explained the costs, options and processed the implementation of the plan efficiently.
TN - Kent
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