bdhSterling

Business Details

17 Years

experience

Your Trusted Partner for Financial Planning Solutions

We are a dual licensed financial planning firm with Chartered Status in the UK, dedicated to helping individuals navigate complex financial landscapes across international borders. Established in 2009 by Simon Harvey and Paul Davies, our firm was founded on the principle of placing clients' financial ambitions at the forefront. With offices in London, Perth, Sydney, and Melbourne, we specialise in cross-border financial planning, pension transfers, and superannuation management for clients moving between the UK and Australia.

Our team of qualified professionals combines deep expertise in both UK and Australian financial regulations to deliver tailored solutions that address unique jurisdictional challenges. We prioritise goal-based planning to bring clarity and certainty to our clients' financial futures, underpinned by core values of teamwork, continuous improvement, and ethical integrity. Our Chartered status reflects our commitment to the highest professional standards in financial services.

Services

Pension Transfers Superannuation Management Cross-Border Planning Retirement Strategies Tax Efficiency Advice

Details

Year established: 2009

Highlights and features

We hold prestigious Chartered status in the UK financial services profession
Our dual regulatory authorisation covers both UK and Australian jurisdictions
We provide truly independent and objective financial advice
Our team includes specialists in cross-border pension and superannuation transfers
We have received multiple awards and consistently high client satisfaction ratings

Associations and certifications

Chartered Institute for Securities & Investment (CISI)
Financial Conduct Authority (FCA)
Australian Securities and Investments Commission (ASIC)

What people say

Knowledgeable and efficient Fantastic throughout transfer process Highly professional and transparent Stress-free experience Expertise in superannuation management

Website

Update Listing

Services

Pension Transfers

We specialise in transferring UK pensions to Australia through QROPS and SMSF structures. Our service includes regulatory compliance checks, tax efficiency analysis, and ongoing portfolio management. Clients benefit from our dual regulatory expertise and deep understanding of both UK and Australian pension frameworks.

Superannuation Management

Our superannuation services cover fund selection, contribution strategies, and retirement planning for expatriates. We focus on tax-effective structures and compliance with both UK and Australian regulations. Our team provides ongoing portfolio management and performance reviews tailored to individual needs.

Cross-Border Planning

We help clients navigate complex financial transitions between the UK and Australia. Services include tax residency planning, inheritance tax mitigation, and coordinated investment strategies across jurisdictions. Our dual-licensed team ensures compliance with both countries' regulatory requirements while optimising financial outcomes.

Retirement Strategies

We develop tailored retirement plans considering cross-border tax implications, pension accessibility, and lifestyle goals. Our approach combines pension transfer solutions with superannuation optimisation to create sustainable income streams. We provide ongoing adjustments to maintain alignment with changing regulations and personal circumstances.

Tax Efficiency Advice

Our tax specialists provide strategies to minimise liabilities across UK-Australia financial arrangements. This includes pension transfer tax efficiency, superannuation contribution planning, and inheritance tax mitigation. We ensure compliance with HMRC and ATO requirements while maximising after-tax returns for clients.

People

Simon Harvey

Group Managing Director

Co-founder with 15+ years' experience in cross-border financial planning, specialising in UK-Australia pension transfers and superannuation management.

Rob Teune

Group Director of Financial Planning

Financial planning expert with extensive experience in international tax strategies and retirement solutions for expatriates moving between the UK and Australia.

John Harrower

Senior Financial Planner

Recognised specialist in UK pension transfers to Australia, with over a decade of experience helping clients achieve tax-efficient retirement outcomes.

Steph Mills

Pension Transfer Specialist

Qualified expert in QROPS and SMSF structures, providing tailored solutions for complex pension transfers between the UK and Australia.

Daniel Ash-Wentworth

Financial Planner

Specialises in cross-border tax planning and superannuation management, delivering customised strategies for clients transitioning between UK and Australian markets.

Questions

What financial services do you specialise in for UK-Australia clients?

We specialise in pension transfers, superannuation management, cross-border tax planning, retirement strategies, and inheritance tax considerations for individuals moving between the UK and Australia.

Are you regulated in both the UK and Australia?

Yes, we are authorised by the Financial Conduct Authority (FCA) in the UK and hold an Australian Financial Services License (AFSL) regulated by ASIC.

How do you help with UK pension transfers to Australia?

We provide QROPS establishment, SMSF integration, tax-efficient transfer strategies, and ongoing compliance management for UK pension transfers to Australia.

What qualifications do your advisers hold?

Our team includes Chartered Financial Planners, Certified SMSF Specialists, and advisers with advanced qualifications in both UK and Australian financial regulations.

Can you assist with returning UK pensions from Australia?

Yes, we help Australian residents transfer UK pensions back to the UK while optimising tax efficiency and meeting regulatory requirements.

What makes your firm different from other financial advisers?

Our unique combination of dual regulation, Chartered status, and specialist expertise in UK-Australia financial matters provides unparalleled service for cross-border clients.

Videos

Reviews (5)

Write a Review

Graham Titterington

Jan 25, 2022 Report

I have used bdhSterling for pensions advice through the early stages of my retirement. It was recommended to me by my previous pensions advisor when he ceased providing this service. It has given me several useful tips as well as managing my pension funds up to the point when I started to draw a regular pension from them. I would recommend bdhSterling for helpful friendly advice.

Peter Illsley

Jan 17, 2022 Report

Way back in 2012, bdhSterling advised me to invest my pension into a scam, and I lost the lot. After ten years, and only after co-opting the much-appreciated assistance of the Financial Ombudsman, I have managed to get some money back from them. In 2012 then trading under the name Global QROPS Ltd bdhSterling advised me to invest a pension I had saved into a scheme run by Global Forest Investments (GFI). The second the money transferred was the last I saw of it. GFIs two directors were arrested in 2019 following a lengthy investigation by the Serious Fraud Office (SFO) and are scheduled

Jason Heather

Nov 28, 2021 Report

While transferring my pension to NZ I engaged the services of bdhSterling to advise on the UK part of the process. My advisor, Paul Lawson-Tyers, was not only professional, informative and thorough, but he also made sure my questions were answered in a way that I could understand fully. The time difference needed to be taken into consideration but after some late night / early morning meetings I came away feeling much more relaxed with this daunting process. Can't recommend Paul Lawson-Tyres and the whole bdhSterling team enough.

Dan Daly

Oct 06, 2021 Report

Paul Lawson -Tyers was recommended to me by a UK financial advisor who could not work with me as I live in the USA. Paul has been an absolute pleasure to work with. He is very professional and thorough. We spent a number of hours (many of them outside of his normal working day) discussing and he was always available and responsive. I am absolutely happy with the end result. It has clarified my thinking and I will now be taking the next steps and retiring in the very near future. -Thankyou Paul!

Peter Middleton

Sep 09, 2021 Report

I dealt with Paul Lawson Tyers for the transfer of my UK pension to NZ. I found Paul and the bdhSterling team to be very professional, helpful and supportive throughout the process. There is a lot to consider when transferring a pension and I felt that Paul gave me as much of his time as I needed in order to ensure I considered and understood all the issues relating to this transfer. I wouldn't hesitate to recommend Paul and bdh Sterling to anyone considering whether to transfer a pension