Steph Mills

Pension Transfer Specialist

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.

Google Reviews
Tim Phillips
Although I have a financial services background, transferring pension assets from the UK to Australia is specialist work, and needs doing 100% right first time.The BDH guys over-delivered with a lot of knowledge, experience and professionalism, which in turn gave me the peace of mind I needed throughout this process.I have absolutely no hesitation in recommending them. BDH exceeded my own high expectations.
Jojo Baxas
They were so responsive and answered all my (sometimes silly) questions. When the pandemic struck and lockdown ensued, they were business as usual and my payment was issued right in the middle of all of that. I have nothing but positives.
Wendy Stone
A service second to none. Friendly, professional and client focused at all times, and more than willing to go the extra mile to ensure customer satisfaction.
Prash Naik
I would highly recommend bdhSterling for high quality and professional advice. They advised me in the UK and Australia and were invaluable.
Shiranth Fernando
For the last three years, I have used bdhSterling to look after my UK pension while waiting to transfer it to Australia. I have found the investment recommendations and advice to be excellent. Communication is effective and financial transactions are undertaken efficiently. Definitely a five-star company.
Bob Crosby
Been with them since 1999 and am yet to find anyone more knowledgeable and helpful. Returns have always been ahead of market averages at a very reasonable price. Fair and open with great staff.

Spotlight questions

What’s your best tip for anyone moving to Australia?

Try not to time it with a global pandemic – 12 hours is not enough time to pack down a house and get into a country before borders close!

What gives you the most satisfaction about your work?

Happy clients and happy colleagues.

What’s the best thing about living in Australia?

The beaches, the blue sky and the coffee! The cycle paths are pretty good too.

Why is financial planning so important?

To fully understand the power of your own finances for wealth generation and to make the most of the tax efficient strategies available through sound planning.

What’s your best financial tip for anyone moving from the UK to Australia?

Keep paying your UK net pension contributions of £2,880 for the first few years you are in Australia, to benefit from UK tax relief.

What do you miss about living in the UK?

A proper roast dinner in a proper pub, with great friends and family. Marks and Spencer’s too – supermarkets are just not the same in Australia!

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.

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