Sterling Wealth Management LLC's investment advisory process begins with a collaborative discussion with our clients.
During this dialogue, we learn about our clients' current financial position and prior investment experience, clarify
their unique goals and objectives, determine their tolerance for risk, and gather all information and documents concerning
their assets, retirement plans and employment benefits.
Next, we perform a rigorous analysis of our clients' current assets, taking into consideration their investment objectives
(appreciation, income or capital preservation), time horizon, and investor style (conservative, moderate or aggressive).
We also examine our clients' current accounts to evaluate, among other things: (1) the clarity of asset allocation
reporting; (2) the applicable fee structure, including any excessive or nontransparent fees; (3) tax inefficiencies
associated with any of the accounts; and (4) undue complexity and unnecessary paperwork related to multiple accounts.
After a thorough study of our clients' financial positions, we develop and recommend strategies that will add value to our
clients' wealth management objectives. We work with our clients to create a customized portfolio based on the principles
of asset allocation. Our goal is to balance our clients' investments across asset classes and help maximize after tax advantages
while attempting to control risk over market cycles. We also propose practical steps to simplify
and consolidate accounts where appropriate to achieve clear reporting with respect to asset allocation, performance and
fees and to manage the tax implications of recommended investment strategies.
Once we implement the recommended strategies, we oversee our clients' portfolio on an ongoing basis. We closely monitor
investment performance and asset allocation and rebalance our clients' portfolios as necessary. To ensure that our
clients' financial strategies continue to meet their goals and objectives, we conduct periodic reviews with our clients
of investment performance and asset allocation. We believe that regular and open communication between Sterling
Wealth Management LLC and our clients is the key to retirement planning that best addresses our clients' needs at
each stage of their lives.
