Sterling Approach

While most of the investment world bases their decisions on the myths of stock picking, market timing, and track-record investing, we base our strategies on what the evidence, driven by the scientific method, leads us to. Since Evidence-based investing is not based on speculation but instead on tested and proven results, there is a measured certainty that can be expected.

Our type of investing is not “in a vacuum” and requires an approach that combines the best external evidence weighed against personal experience and choice. Having a firm belief structure when it comes to the how and why we invest is critical. It helps us to remain disciplined in the calm and the chaos of global markets. These beliefs undergird our Evidence Based approach and our investment philosophy.

Markets Work
Our approach…

• Invest in the entire market – don’t try to beat it

• Costs matter, so keep them low

Diversification is Key
Our approach…

• Diversify across broad asset classes

• Diversify within broad asset classes

• Invest in many different names

• Invest in short-term, high quality fixed income

Risk & Return Go Hand in Hand
Our approach…

• Take investment risks worth taking

o Investing in stocks, small companies, value companies

Discipline
Our approach…

• Create a thoughtful portfolio structure as it is the key determining factor of investment results

• Develop a plan that can be adhered to without anxiety in good and bad markets

• Review regularly

Sterling Difference

Our business was started with you in mind. As a fee-only wealth management firm, we are duty-bound to always act in your best interest. We don’t think of you as just a client. Every member of our team will be well acquainted with your unique situation. So we treat you like one of the family.

“The Delight Factor”
You always get more than you pay for…in service, attention and solutions

Financial Peace of Mind
• We collaborate with you to create and manage a life-long financial plan that is as dynamic as you are

• An evidence-based investment philosophy & strategy built on sound academic principles

• Evidence-based investing means “sleep insurance” for you
o Unparalleled diversification
o Very low costs
o Controlled risk
o Disciplined process

• A trustworthy, focused team

• Access to the resources of world class organizations like Dimensional Fund Advisors (DFA)

Proactive and Focused
• We treat you like you are our only client

• Your wealth is proactively managed

• Our loyalty is exclusively to you and your needs

Your Time is Your Most Valuable Resource –
We Honor It
• One person to call for all of your wealth management needs

• Experts watching over your financial affairs so you have time to invest in your life

• We handle all the details & complexity of account set-up and transfer for you

• Easy to understand reporting

Better Communication
• Our working relationship is tailored to your communication needs and values

• Regular face-to-face meetings – We help you protect and enhance your wealth so you achieve all that is important to you.

Sterling Services

Private Wealth Management:
Our Private Wealth Management service is designed to help our clients simplify their financial lives and align their resources with their values. We focus on our clients’ five main areas of concern:

- Investment Consulting:
Protecting and growing investments

- Wealth Enhancement:
Employing creative tax strategies in the planning process

- Wealth Transfer:
Ensuring the transfer of wealth to future generations and charities in a smooth and efficient manner

- Wealth Protection:
Allowing clients to enjoy their financial resources while insulating their wealth from catastrophic loss

- Charitable Giving:
Helping our clients live generous lives while maximizing the benefits of philanthropic activities

Sterling Wealth Management delivers the wealth management experience by acting as our client’s Personal Chief Financial Officer, working with a sophisticated team of experts who specialize in their respective areas of knowledge. Our firm coordinates and manages the entire planning process, ensuring that all relevant financial issues are both integrated with the comprehensive plan and addressed individually in a timely fashion.