Sterling Independent Advisers
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Professional Financial Planning is the process which aims to help you realise your ambitions - whate. When you retire you still need food and shelter as an absolute minimum, but of course you will want. Often, people save for a specific reason and it's usually the safest way to build up a pot of money.

The great joy of financial freedom is having your heart and mind free from worry about life's uncertainties, and our aim is to pave the way for a more secure financial future for you, your family and for businesses of all sizes.Our understanding of your current financial situation is the keystone to the formulation of a financial plan which will meet your future needs.

Many people have goals and dreams, but a goal without a plan is just a wish. So it all starts with listening. We listen to your needs, your hopes, your dreams, and we formulate a plan, which enables us to offer you clear, no-jargon advice on the most appropriate financial products for your personal circumstances. This is the start of our journey together, to prepare the plan to meet your goals, to ensure that you, your family and your assets are protected, and to help you build a brighter, more secure future.
Services
Find out about our professional and experienced team - who they are, how they can help you and how you can contact them.
Keith has been providing advice in the financial industry for over 30 years.
He is currently the senior partner and has been a financial adviser at Sterling since 1996.
Brian has been involved in the financial industry for over 30 years and was one of the founding partners of Sterling in 1995.
Sterling Independent Advisers has been established in Hemel Hempstead since 1995 serving clients mainly in North London, Hertfordshire, Bedfordshire and Buckinghamshire.
Professional independent financial advice to individuals and small businesses is given by Keith Hayes, who has many years of experience in financial planning and has additional advanced/incremental qualifications in Pension Planning, Retirement Options, Investment Planning, Taxation, Trusts, Long Term Care, Mortgages, Life Time Mortgages and meets the FCA QCF4 Qualification level introduced for 2013.
We meet together to discuss your personal circumstances and your current financial situation.
We'll go into detail so that we can draw up a complete picture of where you are now, and where you want to arrive.
We'll ask about you, your occupation, your savings & investments, your mortgage, your current liabilities and your tax position, and we'll explain how all of this information builds a profile which will help us to formulate our financial plan.
Next we discuss your objectives and your aspirations, as well as any concerns that may arise.
We have been using Sterling for some years now and have always found their service to be excellent.
Keith has been our financial adviser for over twenty years now and the advice he has given us on our investments and pension planning has been first class.
His advice is clear and understandable and it has always delivered to our expectations.
I would have no hesitation in recommending Keith and the team at Sterling.
We have been dealing with Sterling for several years now based on recommendation.
The main purpose of Life Assurance is to provide money for those people who may depend on you financially, in the event that something should happen to you.
These people could include family members or business partners.
It can provide the reassurance of financial protection for you, your family and your business associates.
A Life Assurance policy pays out a sum of money when the person who is covered by the plan dies.
The money is intended to pay off any outstanding debts and support your dependants financially by providing them with a further lump sum or a regular income if you die.
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