Personal Services

At Sterling Portfolio Managers LLC, our clients face many significant milestones in life. They want to feel confident knowing they are on the right track as they work toward their goals. We work closely with them to define realistic objectives and create a customized and comprehensive strategy that addresses their needs.

Beyond our personal services, we also offer services for businesses.

Our personal financial services include:

Custom Portfolio Design and Management

In creating a diversified investment portfolio tailored to their objectives, we seek to help clients receive the highest rate of return with the level of risk they are comfortable taking. We steer clear of investment fads and instead focus on a long-term approach. After we define a client’s objectives, we use advanced industry software programs that help us calculate their risk, develop a financial plan, and design a personalized portfolio.

Retirement Planning

Whether it is two or ten years away, it is important to plan ahead for retirement. We can help clients determine opportunities for building a consistent income that is designed with the goal to last throughout their retirement, from contributing to a 401(k) plan to identifying appropriate IRA investments. We also provide advice aiming toward minimizing unnecessary taxes on investments, including 401(k) and IRA distributions, and more.

Estate Planning

An efficient estate plan not only incorporates tax reduction strategies but also involves crafting a plan to designed with the goal to ensure that one’s assets transfer to their desired beneficiaries. We can help clients decide how they wish to distribute their assets and determine who will receive what and when. We can also work with clients’ attorneys and CPAs to help coordinate all of their planning needs.

Tax and legal services are neither provided nor endorsed by Sterling Portfolio Managers, LPL Financial, or affiliated advisors.

Insurance

Risk management is an important element of a complete financial strategy. Without the right type of insurance to protect their assets, a family could be leaving themselves vulnerable. With access to a wide array of insurance products, we help clients evaluate what type of coverage is appropriate for their circumstances, including life and long-term care options.

College Planning

A common concern among families is deciding how they will pay for their children’s college expenses while balancing their retirement planning. We can help clients evaluate funding and savings options (such as 529 Plans or education trusts) and create an education strategy tailored to their needs.