Steph Mills

Pension Transfer Specialist

At work

Steph joined bdhSterling in 2014, bringing with her a wealth of financial services experience gained from working at a boutique SIPP provider. Steph has since established herself as a key asset to our firm. She worked in our UK office for six years before transitioning to our Perth office in 2020, where she is currently based.

Throughout her journey at bdhSterling, Steph has held several senior positions, most recently being instrumental in creating our Pension Transfer team, before she transitioned into an advisory role. As a Pension Transfer Specialist, she specialises in offering comprehensive UK pension advice to clients residing in Australia. Leveraging her extensive experience and advanced technical knowledge, Steph is adept at formulating tailored strategies and delivering optimal solutions for our clients.

Steph is also a valuable member of our business-to-business team, working with our professional network to provide pension transfer work for their clients.

Steph’s trajectory at bdhSterling reflects her dedication to providing first-class financial planning and since relocating to Perth she has assumed a key role in mentoring and coaching our Australian teams.

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!