4 Tell-tale Signs It’s Time For A Financial Review

financial reviwPensions, savings and investments are like houseplants – you need to look after them if they are going to grow properly! Leave everything to chance and neglect your financial plan and it’s likely that you are missing out on potential returns.

How long has it been since you last examined your financial arrangements? If you’re like most people, then the answer is probably too long.

Here are the 4 tell-tale signs that it’s time for a review.

The value of investments and pensions and the income they produce can fall as well as rise. You may get back less than you invested.


  • You don’t know how much your pension is worth – or where it is invested


Many people spend their lives paying money into a private pension, without monitoring performance, or checking around for better deals. The truth is that if you don’t review and refresh your pension arrangements on a regular basis, then you could be robbing yourself of money for your retirement.

Over time, new pension products are released – and pensions that once provided great value for money are ‘side-lined’ and somewhat ignored by providers in favour of emerging products. This impacts on performance, and ultimately, how much you have to spend in retirement.

The older your pension policy is, the more likely it is that there are better options out there that will deliver better value and returns.

  • You think you should be getting more from your investments – but don’t know what to do


If you feel like your money isn’t performing as you want it to, then you need to make a change. However, with so many available options out there, it can be difficult to know where to turn. Getting professional advice from a financial adviser you can trust is the best way to ensure that you make the right decisions when it comes to investing.

Book a free, initial review with Sterling, and our experienced team will take a close look at your existing investments and pension arrangements, analysing costs, fund details, performance data, asset mix and the geographical breakdown of your portfolio.

We’ll then discuss your current and future goals, before making suggestions as to the changes and improvements you can make to ensure that your money works harder for you.

  • You’re worried about inheritance tax, and don’t want to pay more than you have to


Inheritance tax can have a huge impact on the value of the assets you leave behind to your loved ones. However, there are legal steps you can take to minimise your inheritance tax liability – through effective estate planning.

At Sterling, our teams can provide you with honest, tailored advice on the appropriate actions you can take right now to protect your family wealth, and maximise the value of the estate you leave behind.

  • You’ve used a financial planner before, but want a second opinion


Investing your hard earned money is a big commitment, and making the wrong decisions can have a real impact on your family wealth, now and in the future.

If you’re concerned that you may have made the wrong decisions, or just want some reassurance that the advice you have received is correct, then getting a second opinion from a trusted financial adviser will provide peace of mind.

Book a free, initial no obligation review with Sterling and you can relax, safe in the knowledge that you have the right financial plan in place.

A Free,Initial Financial Review from Sterling

Spring is here, and it’s the time for new beginnings. Don’t let your investments and pensions fester under a pile of dust – give them a good spring clean and ensure that you are getting best value with a free initial financial review from Sterling Partnership.

The initial review is provided completely free of charge by a member of our expert team, and is available to anyone with pensions and investments of a minimum value of £75,000. You will be under absolutely no obligation to make any changes to your existing investment portfolio or pension arrangements.

The value of investments and pensions and the income they produce can fall as well as rise. You may get back less than you invested.

At Sterling, our experienced team members specialise in providing high quality, cost-effective financial solutions for you, your family and your business. To arrange for your free, initial no obligation review with a member of our experienced team, get in touch with Sterling today on 01482 863127, or by emailing webenquiries@sterling-partnership.co.uk.