Retirement Planning

Planning for your retirement and becoming financially independent is one of the most important financial planning goals that an individual will address during their life, yet, it is always one of the most complex and challenging propositions. At Sterling Financial Group, LLC, our advisors focus on helping their clients answer the following questions:

  • When can I afford to stop working and be financially independent?
  • How much retirement income do I need?
  • How much do I need to accumulate?
  • How long will I need to rely on income from my retirement portfolio?
  • What is the most tax efficient way to withdrawal from my retirement accounts during the income distribution phase of my life?
  • How do I invest and allocate my portfolio during retirement?
  • When is the optimal time to file for Social Security benefits?

With your customized retirement plan being driven by your goals and objectives, we will help guide you with a well-defined retirement plan strategy that will ensure your successful outcome.

We specialize in the following areas of retirement planning with individuals and business owners.

  • Individual:
    • Traditional IRA
    • Rollover IRA
    • IRA BDA (Inherited IRA)
    • Self-Directed IRA
    • Roth IRA
    • Roth Conversion
  • Employer Sponsored:
    • Defined Contribution
      • Traditional 401(k)
      • Roth 401(k) / 403(b)
      • Self-Directed 401(k)
      • Safe Harbor 401(k)
      • Age-weighted 401(k)
      • New Comparability 401(k)
      • Profit Sharing
      • Individual / Solo 401(k)
      • Individual / Solo Roth 401(k)
      • SIMPLE IRA
      • SEP IRA
      • 403(b)
      • 457 Plan for Non-Profit Organizations
      • Keogh – Money Purchase and Profit Sharing
    • Defined Benefit
      • Defined Benefit Plan
      • Cash Balance Defined Benefit Plan
    • Non-qualified Plans
      • COLI and SERP
      • Split Dollar
      • Executive Bonus
      • Deferred Compensation
  • Social Security
  • Medicare