Stephen Ford

Head of Financial Planning, UK

At work

Before joining bdhSterling, Stephen worked at Director level for several large organisations in strategy, marketing and commercial finance, which gives him a broad perspective on Financial Planning and investment. He brings to his financial planner role significant experience working with and coaching others to achieve their goals.

As an Australian moving to the UK, he has learnt some harsh financial lessons through lack of awareness of the differences between the two countries. He wants to make sure he can give others the opportunity to receive sound advice and avoid some of the same errors. Stephen also supports our marketing and client experience development.

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 the UK?

Learn the tax rules – they’re very different to Australia and I made some very poor choices out of ignorance when I moved.

What’s the best thing about working for bdhSterling?

My colleagues. All nice people and very capable – leads to great teamwork.

What’s the best thing about living in the UK?

The variety of activities and entertainment, the history and the beautiful country-side – it is hard to beat cycling the roads, paths and bridleways in the UK countryside.

When should someone moving overseas get financial advice?

I would say at least 2 years out to ensure there are a couple of tax years available to make the most tax reliefs in each country.

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

Load up your UK pensions to get tax relief with the aim of transferring it to Superannuation and taking it out with little or no tax.

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

Learn the tax system differences to make the most of opportunities and avoid expensive mistakes.