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"It does not do to dwell on dreams and forget to live."
J K Rowling

Specialist retirement planning services

With improved healthcare and longer life expectancy, many people can expect a retirement that extends well beyond 20 healthy years. We can help you determine whether or not you are prepared for this and how to plan for any shortfalls.

Someone in their 20s who puts off investing in a pension by ten years can expect to lose half of their eventual retirement fund. The sooner you start, the better.

Retirement planning specialists

Retirement planning is crucial for anyone who wants to have a financially stable and fulfilling life in their later years. It can help you to achieve your ideal retirement, where you have the income and resources to do the things you want to do without worrying about money.

With the help of our retirement planning specialists, you can develop a comprehensive retirement income plan that takes into account your unique needs and goals.

Need advice?

For a free initial consultation with a local retirement planning specialist, call  020 3740 5856

The retirement planning process

Retirement planning involves several steps, including:

  • Assessing your current financial situation and retirement goals
  • Identifying any potential risks to your retirement income
  • Developing a retirement plan that takes into account your needs and potential income sources
  • Implementing your tailored, personal plan
  • Monitoring and adjusting your retirement income plan as necessary

Retirement planning involves assessing your financial situation, identifying risks, developing a plan, implementing it, and monitoring it over time.

Why work with a retirement planner?

Working with a retirement planning specialist can offer many benefits, including:

  • Access to expert knowledge and guidance on retirement planning
  • Help with developing and implementing a retirement income plan that meets your unique needs and goals
  • Ongoing support and advice to help you stay on track with your retirement planning
  • Access to a network of professionals who can help you with related financial and legal matters
  • Peace of mind knowing that you have a plan in place to help you achieve your ideal retirement.

Working with our specialists offers expert guidance, personalised support, and peace of mind for achieving your ideal retirement.

Later life income

A mix of pensions, investments, buy to let property, and other income streams can help to ensure that you have a financially independent retirement. 

Diversifying your income sources can help to reduce the risk of relying on any one source of income, and can provide greater flexibility and control over your finances in retirement.

Your personal retirement planner will work with you to develop a plan, aligned to your goals and risk profile to help you realise your plans for later life.

Some things to consider

  • Could you need more than you think to retire?
  • Are you saving enough for your 20-year holiday?
  • It is never too early (or too late) to work on your retirement nest egg.
  • If inflation stays as it is now, the value of your pension fund will halve in 20 years’ time.
  • There are more ‘retirement options’ available now than at any time in the past.

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

Retirement planning & pensions

Many people passively accept whatever pension they will get, being forced to cut back or downgrade property when they retire as they adjust to lower income levels – in most cases not previously anticipated.

A more positive and planned approach should be taken by working out the level of income you think you will need when you retire and making that your target for the future.

Whatever your circumstances, whether you are employed or self-employed, have a collection of old plans or are starting from scratch, independent financial advice from Sterling & Law should help you determine the right retirement planning for you.

Schedule a free consultation with a retirement planner

If you’re interested in learning more about this service and how working with a retirement planner can benefit you, schedule a free consultation with one of Sterling & Law’s retirement planning specialists today. 

We’ll work with you to assess your current financial situation and retirement goals, and help you to develop a retirement income plan that can help you achieve your ideal retirement.

Contact us today

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

Our retirement planning advisers

Looking to discuss your retirement plans? Find a local adviser from the list below.

Sterling & Law has independent financial advisers covering London, the Home Counties,
and the South of England.

Our retirement planning specialists have extensive experience helping clients to develop and implement retirement income plans that meet their unique needs and goals. We are committed to providing personalized service and support to help you achieve your ideal retirement.

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


The different stages of retirement planning include accumulation (saving for retirement), pre-retirement (planning for retirement), and post-retirement (managing retirement income and adjusting plans as needed).

Each stage requires individual strategies to ensure you are saving and investing enough money, financially ready to retire, and have enough funds to see you through later life.

Working with a retirement planner can help ensure you have a plan to achieve your retirement goals, manage retirement income, and navigate challenges such as market volatility and changing life circumstances.

Our retirement planners are also experienced pension advisers and wealth managers. Furthermore, many of our skilled financial advisers are experienced in estate planning and inheritance tax mitigation strategies.

It’s never too early to start planning for retirement. Ideally, people should start planning as soon as they begin earning income, and regularly review and adjust their plans as their circumstances and goals change over time.


Furthemore, as the impact of compound interest grows over time, the earlier you start investing toward retirement, the more likely you will have a more comfortable income in retirement to live on.

Lastly, the earlier you start the retirement planning process, the easier it will be to ride out any market corrections, or external economic factors like recessions.

Some of the best retirement planning strategies include starting to save early and consistently, and making the most of tax-advantaged retirement accounts.

Furthermore,  diversifying investments, creating a realistic retirement budget, and regularly reviewing and adjusting retirement plans are all important factors in creating a robust plan.

Working with a retirement planner can provide many benefits, including having a customised retirement plan based on your goals and circumstances and access to professional expertise and resources.

Lastly, ongoing guidance and support to help you navigate challenges and make informed decisions as you move towards retirement are all key benefits.

Of course, there is nothing stopping you from creating your own plan for retirement. However, the support of a financial professional can offer a steady guiding hand when it comes to selecting investments, managing risk, and keeping you on track.

In our experience, individuals can make some very understandable mistakes when investing and saving for retirement. 

These include underestimating expenses, not saving enough, and taking on too much investment risk. People have busy lives. As a result, it can be easy to forget to regularly review and adjust your plans when things change and life throws a curveball into the mix. 

 It’s also important to be wary of scams and schemes that promise high returns with little risk. Working with a retirement planner can help you avoid these pitfalls and make informed decisions.

Early retirement planning can provide several benefits, including the ability to save more and take advantage of compound interest. The earlier you start, the more time you have to adjust and fine-tune retirement plans.

It can also help you to develop a greater understanding of your retirement goals and needs as they evolve over time. Starting early also allows for more flexibility in making adjustments to your retirement plans as life circumstances change.

Ill health, divorce, unexpected redundancy, and having children later in life can all be factors leading to our retirement plans requiring review and adjustments.

Our fee structure is transparent and can be found on this page.

Typically we will charge a set fee for developing a retirement plan, and if we are looking after your pensions and investment portfolio a percentage of ‘funds under management’ will be charged on a yearly basis.


We offer a range of services those planning for retirement can take advantage of.

These include:

  • Wealth management
  • Inheritance tax planning
  • Estate planning
  • Equity release
  • Private medical insurance
  • Mortgages

As an independent financial advice company, we offer impartial, unrestricted financial advice.



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
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
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
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