Sterling & Law

“We can help you retire from work, not from life"

Retirement – it should be quite a treat. But planning for it can be tricky in these challenging financial times

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.

•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.

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 this 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.


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

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