Wealth Management

Portfolio Management

 

Constructing a broadly diversified portfolio across a variety of investments such as stocks, bonds and alternative investments is the foundation of our asset allocation process. We understand that every investor has different investment objectives, therefore, we employ a customized approach when designing portfolios to work towards the specific goals of each client.

Assessing Your Needs and Finances

We ask you to complete a confidential personal profile that helps us gain a deep understanding of your current financial situation and goals.

Preparing Your Plan

We provide a detailed analysis of your finances, develop a variety of customized strategies and then offer suitable recommendations to address your goals.

Implementing and Monitoring Your Strategy

Once you select the most suitable approach, we put your personalized plan into action. We then maintain consistent communication with you, carefully monitoring your portfolio and making adjustments when necessary.

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

Retirement Planning

 

Identifying your retirement needs is the first step to help you design a financial strategy that will make the assets you’ve worked hard to build keep working for you. For example, when do you hope to retire? How much should you save to work towards your retirement goals? What are the right investments? Whatever your plans for retirement, we can evaluate your needs and develop a customized strategy to help you work towards your goals.

Services Offered:

Insurance

 

Have you recently had changes in your family, marital status or career? Or have your personal and financial objectives changed? Your insurance should be reviewed regularly to make sure it still fits your needs.

Products Offered:

Trust & Estate Planning

 

A trust provides protection for family members who might be unaccustomed to dealing with financial matters. It can offer protection of assets in case of divorce or other litigation. A trust can assure that funding is available for specific needs, such as education, health care or charitable interests. A trust provides a framework in which money is managed in a predictable fashion by people you choose and according to standards that you set. A trust creates guidelines for current and future distributions that reflect your wishes. A trust can also have substantial tax benefits and provide an expedient method to transfer assets.

Services Offered:

LPL Financial Representatives offer access to Trust Services through The Private Trust Company N.A., an affiliate of LPL Financial.

Education Planning

 

Will your current portfolio meet your future needs of financing one or more college educations? And what are the tax implications of your present investments? If you’re not sure about the answers, it might be time to consider an objective evaluation. The most important thing you can do to secure a child’s educational future is to start planning today. Your financial consultant knows the questions to ask and has the answers you need.

Services
529 Plans
Coverdell Education Savings Accounts

Set up a consultation with a Sterling Wealth Management Financial Consultant by contacting John Harty at 415-773-1530 or [email protected]

Discover how we can help you work towards your financial goals.

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John Harty is a registered representative with, and securities offered through, LPL Financial, Member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates.

Sterling Bank & Trust and Sterling Wealth Management are not registered broker/dealers and are not affiliated with LPL Financial.

The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: CA.