Retirement on Your Terms

Maintain lifelong independence with services from Sterling First Financial.

Investment Planning

As you retire, you’re switching your focus from accumulation and saving to preservation. How do you protect the savings you’ve built over a lifetime while using them to fund your retirement?

Sterling First Financial can show you how to increase your returns while protecting your assets.*

By utilizing the Rule of 100, we’ll help you:
  • Focus on capital preservation and true asset diversification
  • Blend lower risk strategies with low-cost investments 
  • Achieve maximum results for your retirement
Enjoy the peace of mind of knowing that your hard-earned savings are safe from market downturns and will continue to bring you support throughout your retirement.

Asset Protection

You’ve worked hard to build a nest egg, but life can be tricky. How do you keep your savings safe against unpredictable events like illness or market volatility?

Sterling First Financial can help you protect and diversify your retirement savings.*

We’ll help you:
  • Identify places of risk in your portfolio
  • Choose from a variety of asset protection and asset diversification strategies
  • Monitor your portfolio and make corrections as needed
We’re here to give you the support you need in making important decisions about protecting your assets.

Tax Reduction

When tax season comes around you often wonder if you’re paying too much. What’s more, you want to ensure your legacy won’t be subject to exorbitant taxes.

Sterling First Financial will help you see the larger picture.

We can help you examine your:
  • Income Tax Strategies
  • Taxes to Beneficiaries
  • Estate Taxes
  • Capital Gain Taxes
By evaluating your investments and their tax consequences, our team of retirement specialists and tax preparers work together to make sure your loved ones receive a gift from your legacy, not a tax bill.

Business Planning

As a business owner, you want to make sure you take home the most of what you make. You worry your CPA is just filing in the dotted lines and not helping you save money. How can you make sure your business isn’t losing unnecessary dollars?

Sterling First Finanical’s team-based model will help you create a proactive plan.

Our team of experts will comb through your income and expenses, find ways you can save money, and provide the following business services:
  • Business consulting and advisory services
  • Employee Benefits
  • Retirement Plan Design
  • Exit & Succession Planning 
Our coordinated team is here to help you streamline your business and tax planning enabling you to parlay business success into personal triumph.

Long-term care

You might not need long-term assistance today, but you worry about what may happen in the future. You don’t want to drain your savings to pay for expensive care.

Sterling First Financial can assist you and your family with long-term care planning.

We’ll help you:
  • Learn about long-term care insurance
  • Decide what plans may be best for you
  • Reduce stress and avoid high future costs
Feel confident and prepared for the future, knowing you have a plan.

Estate Planning

You want to make sure your loved ones inherit a legacy, not a legal mess, but you’re not sure how to get everything in order.

Sterling First Financial can help you make a plan to reduce the possibility of probate and maximize the value of the estate.

We’ll help you evaluate and establish:
  • Charitable planning
  • Advanced Estate Planning
  • Legacy Planning
  • Insurance planning
By making a plan and reducing taxes and other expenses, you can rest easy that your legacy will be a blessing to your loved ones.

Income Planning

You know that generating income in retirement is more than addition and subtraction, but it’s all so overwhelming. How do you follow accounts, keep taxes low, make a social security backup plan, and more?

Sterling First Financial will help you make a plan.

We’ll develop a solid retirement income plan by examining:
  • Inflation variables
  • Taxes
  • Investment choices
  • And more
Enjoy the stability of self-sufficiency that a solid retirement income plan brings.

Social Security Analysis

You know the longer you wait to claim Social Security benefits, the more you’ll get.  But when is the RIGHT time for you?

Sterling First Financial will help you use Social Security rules to your benefit.

Our analysis will give you:
  • Step-by-step instructions on how to file
  • Methods to receive the most benefits
  • Side-by-side comparisons so you can make the best decision for your family.
Using powerful software created by authorities in Social Security claiming strategies, we’ll show you how the complicated rules of Social Security can actually work together to mean more money for you.

Capitalize on Your Success

We’ll show you how.