Steph Mills
Pension Transfer Specialist
Steph's qualifications
At work
Steph joined bdhSterling in 2014, bringing with her valuable experience from a boutique UK SIPP provider. Over the past decade, she has become one of bdhSterling’s leading specialists in UK pensions, working first from our UK office before relocating to Perth in 2020.
Throughout her career with bdhSterling, Steph has held several senior roles and played an instrumental part in establishing the firm’s dedicated Pension Transfer team. Today, she works with clients in Australia, helping them navigate the opportunities and complexities of their UK pensions. Her specialist areas include UK pension transfers, Defined Benefit pensions and Qualifying Recognised Overseas Pension Schemes (QROPS), and she is known for her technical expertise and practical approach to solving complex pension challenges.
Steph also works closely with Australian financial advisers through bdhSterling’s business-to-business offering, providing specialist support on UK pension matters.
Steph holds a Bachelor of Marketing from the University of the West of England, the UK Diploma in Financial Planning, advanced UK financial planning qualifications and the Certificate in Pension Transfer Advice. She is also currently completing the Graduate Diploma of Financial Planning in Australia.
A finalist in the 2020 Women in Financial Advice Awards (UK), Steph is a regular presenter on UK pension topics through webinars, adviser education events and podcasts. Having lived and worked in both the UK and Australia, she combines deep technical expertise with first-hand insight into the challenges facing Australians with UK pensions.
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Important Information about our Financial Planning Team
In the UK the term “Financial Planner” refers to professionals who meet UK regulatory and qualification standards, including FCA requirements. Our UK team members hold appropriate certifications and adhere to local regulations. For easy identification, our UK advisers will have (UK) at the end of their title.
In Australia the titles “Financial Planner” and “Financial Adviser” are legally restricted under the Corporations Act. Only ASIC-registered professionals listed on the Financial Adviser Register may use these titles when providing personal advice. Our Australian team complies fully with these requirements, and their credentials can be verified via the ASIC register.