What does it mean that Sterling Wealth is "independent"?

Being independent means we're not tied to any bank, insurer, or investment provider. Our advice is based solely on what's right for you — not what's best for a third party.

Who do you typically work with?

We advise individuals, families, and business owners who value structured, long-term financial planning. Many of our clients come to us through referrals and stay with us for years.

How do you charge for your services?

Our fees are fully transparent and explained before any advice is given. Depending on the service, we may charge a fixed fee, a percentage of assets, or a combination of both — always agreed in advance.

Can I move existing pensions or investments to you?

Yes. We'll review your current arrangements, assess performance and costs, and advise whether transferring would be beneficial or if your existing setup should remain in place.

How often will I hear from my adviser?

You'll receive regular updates and scheduled reviews, typically annually or bi-annually. We also encourage contact anytime your circumstances or goals change.

What happens after our first meeting?

We'll provide a clear summary of your position, outline your options, and agree the next steps together. There's no obligation — the first meeting is simply about understanding your needs and goals.

ABOUT

About Sterling Wealth

Sterling Wealth delivers independent financial advice built on clarity, integrity, and trust. Our role is simple: to help clients make informed decisions that stand the test of time.

Explore Services

Our Mission

We exist to help clients achieve financial stability, growth, and peace of mind. By turning complex decisions into clear, actionable plans, we guide individuals and families toward futures built on understanding and control. Every recommendation we make is driven by independence, integrity, and care.

Our Vision

To be recognised as one of the UK’s most trusted independent advisers — known not just for expertise, but for the calm confidence we bring to every financial journey. We aim to redefine what “wealth management” means: simple, transparent, and entirely centred on the client.

WHAT WE DO

Our Services

Pensions

Independent retirement planning designed for clarity, efficiency, and long-term security.

Review & consolidation
Tax-efficient planning
Retirement forecasting
Ongoing optimisation
Drawdown Pensions

Investments

Tailored portfolios built to balance opportunity with protection.

Bespoke portfolios
Diversified strategies
Regular reviews
Transparent reporting

Mortgages

Whole-of-market mortgage advice focused on flexibility and value.

Whole-market access
Buy-to-let expertise
Remortgage support
Flexible terms
Commercial Finance

Insurance

Personalised protection to safeguard your income, family, and future.

Life cover
Income protection
Critical illness plan
Policy reviews

‍

Our Values

01.

Ethical Excellence

02.

Collaborative Innovation

03.

Client-First Approach

04.

Integrity & Trust

At Sterling Wealth, our values define how we work and who we are. We hold ourselves to the highest ethical standards, ensuring every decision serves our clients’ best interests with clarity and care. We value collaboration and innovation — combining experience with fresh thinking to deliver advice that stands up over time. Our approach is always client-first, built on genuine understanding and trust that grows through consistency, transparency, and respect.

Book Appointment

OUR HISTORY

Our Story So Far...

Founded by Craig Jardine, Sterling Wealth began with a simple belief — that independent financial advice should be personal, disciplined, and genuinely client-centred. From its base in East Kilbride, the firm has grown through trust and word-of-mouth, serving individuals and families who value careful, long-term guidance. Sterling Wealth continues to build on that foundation — combining experience, integrity, and modern insight to help clients make confident financial decisions for the future.

Over 30+ years of experience
Based in East Kilbride, Scotland
120 clients served

Craig Jardine speaking with client in the Sterling Wealth office

TESTIMONIALS

Client Reviews

"Kelsey recently helped us secure our first mortgage, Kelsey gave us clear instructions on what we needed to provide which meant the process was as stress free as possible! She gave constant updates and fast replies! I would highly recommend Kelsey if you are looking for advice she was amazing."

"Great service from Sterling Scotia! Kelsey managed to secure me an excellent mortgage rate despite being told by others that I would struggle due to my occupation. All my questions were answered promptly and I was regularly updated throughout the process. I highly recommend this company."

“I would definitely recommend using Sterling Scotia if you are looking for assistance in financial matters. We used them to help with our Mortgage in Principle and it took all of the stress and worry away from us and made the process very straightforward. Both Aidan and Kelsey were very professional and quick to respond to any of our questions. Would highly recommend!”

“We were looking for a Mortgage Advisor who would provide us with support and make us feel comfortable when buying our first home. From the beginning, Aidan was extremely professional and supportive. He was always available to answer any questions we had, and went above and beyond to ensure we understood each step of the process. ”

“The best and most trustworthy company I’ve ever dealt with. Done my mortgage and my insurance, made me feel so comfortable and confident with this company! I’m so pleased to have Kelsey dealing with it all, could trust Kelsey with my life that’s how professional Kelsey was throughout the full process. Can’t thank Kelsey enough for what she has done.”

FAQ’s