About Phillips & Powell Sterling
Rooted in Suffolk
Local sessions for local needs.
Education first
Useful skills without sales pressure.
Open to everyone
Teaching adapted to real lives.
Our purpose: money confidence for everyone
Money advice shouldn't be confusing or pushy. Phillips & Powell Sterling gives people in West Suffolk practical financial education, clear guidance and room to make informed choices.
The people behind the guidance
Clear teaching starts with listening
Rina Garwell founded Phillips & Powell Sterling after seeing capable people avoid money conversations because the language felt built for someone else. She brings local knowledge, careful preparation and a calm teaching style to every session.
"People make better decisions when they understand the words, the numbers and the next step."Rina Garwell, founder
DBS checked educators
Our teaching approach
How we make money make sense
Keep it practical. Sessions use plain English, real household examples and visual aids that make a complicated subject easier to discuss.
Words people use
We explain interest, risk, tax and pensions without hiding behind technical language. You can ask the basic question.
Teaching that adapts
Small groups, one-to-one support and visual exercises help people with low numeracy, learning disabilities or neurodiverse needs.
Advice without sales
We never sell financial products or earn commission from them. Our role is to build understanding and point you to the right next step.
Our boundaries
What we do — and what we don't
Clarity protects everyone. We explain our role before a session begins and signpost to an FCA-authorised adviser when specific recommendations are needed.
Financial education
Build the foundation
General information helps you understand how money works.
- Budgeting, saving, borrowing and investing concepts
- Group workshops and individual learning
Practical guidance
Choose a sensible next step
We help you organise information and prepare useful questions.
- Action plans based on your stated goals
- Signposting without product recommendations
Regulated advice
Leave specific choices to specialists
Product recommendations require an FCA-authorised financial adviser.
- We don't choose investments or policies for you
- We can explain how to find appropriate support
Local commitment
Safe, local, and proud of it
Financial wellbeing in West Suffolk grows through patient teaching and trusted relationships. We work with schools, community groups and employers across the county, listening before we plan a session.
Young people deserve particular care.
- Educators working with young people complete DBS checks and safeguarding training.
- Session plans consider accessibility, privacy and different learning needs.
- We welcome feedback from schools and community partners after each programme.
- Our learning keeps pace with changes in household finances and public guidance.
A clearer next step
Let's build a money-confident Suffolk together
Tell us what your group, school or household wants to understand. We'd love to talk about your goals.