Personal Financial Services

What is Financial Planning?

When you’re making important decisions about your finances, you don’t need to do it alone. You can get support from an expert. Financial advisers aim to give your finances long-term direction, so you can achieve your financial goals.

Wren Sterling’s financial advisers can structure your financial plans to meet your family’s needs whether it’s providing income in retirement, paying for university, school fees or providing a tax-efficient legacy in later life.

Find out what you could gain from having the support and expertise of a Financial Adviser.

Get in touch and ask us how we could help you.

Risks and rewards ahead

Financial Advice

When you’re making important decisions about your finances, you want to know you if you’re on the right track. With the help of an Independent Financial adviser, you can find out how your choices will affect you – both now and in the long term.
With our technical help and experience you can make informed decisions about your personal financial planning.

A mother and daughter laughing together.

Investments

New and experienced investors can benefit from Independent Financial Advice. This means we can recommend investments from a wide range of available products (not just a single provider) to ensure that we select the most appropriate long-term investments to deliver against your investment strategy – and ultimately your financial plan.
We will discuss our recommendations fully with you before implementing your plan, and monitor your investments progress.
What do you want to achieve?

Couple sailing on a boat

Protection

Protect yourself and your family from financial hardship. If unexpected illness or injury could affect your earnings, protection insurance could help you stay on target to achieve your financial goals, giving you the resources to deal with unexpected bumps in the road.
It’s also important to protect loved ones, should the worst happen and you pass away. That’s why life insurance is central to financial planning and is part of the work a Wren Sterling adviser undertakes.
We can advise on protection products including life assurance, critical illness cover and health insurance.

Pension saving can start at any time

Pensions Advice

Pensions are a tax-efficient method of saving for the future. While you’re working and earning, you can build up a pension pot and grow your retirement savings with an investment strategy. When you’re approaching retirement, your adviser can support you to understand your retirement options.
If you’ve collected multiple workplace pensions and investments, you can talk to our advisers about simplifying your strategy. This can often bring benefits, including lower management charges and a single view of the likely value of your pensions and your other investments.

A happy couple enjoying retirement

Retirement Planning

We’re all living longer so there’s more of life to enjoy, but this means we should start to plan for retirement earlier. The retirement landscape is constantly changing, so it’s important you understand current and planned changes and what they mean for you as you move towards retirement.
We can work with you to make the most of your wealth, generate income and provide for the changes to come. We will help you consider life’s unexpected ups and downs, the implications of the loss of a spouse or partner, or a deterioration in your own physical or mental health.
We can also advise on the most efficient way to pass wealth on to the next generation.

Financial Advice for Businesses

We specialise in all aspects of employee benefits strategy, business protection and succession planning. We see the whole picture, so every aspect of our financial advice drives towards our corporate clients’ goals.
We’re proud of our independent status. It allows us to recommend products from across the market giving our clients greater choice, so our advice is truly independent and always in the best interest of our clients.
We’re proud to say that most of our corporate business is referred to us through trusted third parties including general insurance brokers, accountancy practices and pension lawyers.

Shot of an elderly couple working out a budget while sitting on the living room sofa

Understanding Your Finances

Not sure if you’re ready for financial advice? We have a few tips and tricks for your personal financial planning on topics like managing your money, and the basics of investing. You can also check out our blog, which has a wealth of articles to help you with your personal financial planning and approaching your financial decisions with confidence.

High angle shot of a senior couple using a digital tablet while sitting on their sofa

Will writing

No one wants to think about what might happen when they’re no longer around. A Will is an easy way to provide for your family and friends. To help our clients with their estate planning we’ve teamed up with Private Client Online. Their online portal allows you to receive a professionally drafted Will from their solicitors.

olderfamily

Funeral planning

A funeral plan is essentially a promise to deliver a funeral at a date in the future. Wren Sterling has teamed up with funeral plan providers to help you and your family plan ahead. Ask your adviser about arranging a plan for yourself or a loved one.

Personal finance brochure

The value of an investment can go down as well as up. Capital is at risk.
The Financial Conduct Authority does not regulate some aspects of funeral plans.
The Financial Conduct Authority does not regulate taxation & trust advice and will writing