About Us
Guided by experience and driven by purpose, we provide independent financial advice that aligns your ambitions with a clear, strategic plan so your wealth supports the life you want to lead, today and for generations to come.
Background
Sterling Ridge Wealth is dedicated to providing comprehensive financial planning services that support clients at every stage of their financial journey. We believe that effective advice is built on trust, clarity, and a deep understanding of each individual’s unique circumstances.
Our services cover the full spectrum of financial planning, including retirement planning, investment advice, inheritance tax planning, and estate planning. Whether you are preparing for retirement, seeking tailored investment strategies, or looking to protect and pass on your wealth, we are here to provide guidance that is both clear and practical.
What sets us apart is our holistic approach. We look beyond short-term objectives to create strategies designed for long-term security and peace of mind. By combining technical expertise with a client-first mindset, we empower people to make informed financial decisions and build confidence in their future.
At Sterling Ridge, our goal is not just to manage money, but to build lasting relationships, deliver ongoing value, and help our clients achieve financial freedom with clarity and confidence.
Our Mission
At Sterling Ridge Wealth, our mission is to deliver clear, personalised, and client focused financial advice that empowers individuals and families to build long term confidence in their financial future. We believe that true financial planning goes beyond products or transactions. It is about creating lasting relationships, understanding each client’s unique goals, and providing holistic solutions that adapt as life changes.
Our commitment is to combine professional expertise with a people first approach. We specialise in pensions, investments, estate planning, protection, and mortgages, offering tailored strategies that provide both immediate clarity and long term security. By focusing on transparency, trust, and consistent service, we ensure that every client receives advice that is not only compliant, but also genuinely aligned with their best interests.
We are driven by the ambition to grow into a modern, scalable practice built on recurring relationships and sustainable results. Above all, our mission is to help clients make confident financial decisions, achieve peace of mind, and know that their future is being carefully guided with expertise, care, and integrity.
Meet Our Team
Our dedicated team at Sterling Ridge Wealth is committed to providing personalised financial planning services and expertise to our valued clients.
Founder & Independent Financial Adviser
Tobias Appaya-Bagot MSCI
Tobias is the founder of Sterling Ridge Wealth and has built his career on delivering clear, personalised financial advice that puts clients first. With over five years’ experience in financial services, he has developed a strong track record across pensions, investments, estate planning, and holistic wealth management.
He is a fully qualified Independent Financial Adviser, holding the Diploma in Financial Planning (CISI) and alongside a BA in Management Studies (Finance) from the University of Leicester. This strong academic and professional foundation enables him to provide clients with comprehensive financial strategies tailored to their needs and long-term goals.
Tobias established Sterling Ridge with a mission to deliver high-quality, client-focused advice, building long-lasting relationships and helping individuals and families achieve financial confidence through every stage of life.
Outside of work, Tobias is an avid gym-goer, passionate about personal development, and enjoys spending time with family and friends.
Wealth Management Associate
Katie Murphy
Katie is an associate at Sterling Ridge Wealth, where she combines her background in business law with client facing experience in financial services to support the firm’s growth and ongoing services. She has built strong expertise across client engagement, estate planning support, marketing campaigns, and recruitment.
A graduate in Business Law from Nottingham Trent University, Katie has developed her career by working closely with clients and advisers to deliver clear, compliant, and effective solutions. Her skills in communication, organisation, and client relationship management ensure the smooth running of day-to-day operations while enhancing the firm’s marketing strategy.
At Sterling Ridge, Katie plays a key role in ensuring clients receive a seamless and professional experience, while also supporting the business in its long-term growth objectives. She is committed to maintaining high standards across all client and operational processes.
Outside of work, Katie enjoys travelling, keeping fit, and exploring interior design.