Meet with an expert in personal finance
Angelo Cirinelli
Angelo Cirinelli is a financial planner based in New Jersey, specializing in financial, real estate, and business planning. With extensive experience as an associate advisor, Angelo has now established his own company dedicated to helping entrepreneurs and real estate investors in New Jersey. He offers expert guidance in tax optimization, risk mitigation, and comprehensive financial planning, helping his clients achieve their long-term financial goals. As a business owner and real estate investor himself, Angelo understands the importance of income management and investment diversification. Providing fiduciary financial planning services, he aims to maximize his clients’ financial success.
Real Estate Planning Services
Cash Management
Optimize your cash flow with high-yield solutions that outperform most traditional banks. We help allocate funds for property acquisitions, capital expenditures, and long-term financial goals. Our personalized budgeting tools help track expenses, maximize credit card cashback rewards, and ensure your real estate investments remain financially efficient.
Financing Analysis
Leverage your properties strategically with our debt risk tolerance assessments. We create customized debt paydown plans, optimize credit utilization, and provide actionable steps to improve your credit score, which can increase your odds of securing the best financing options for real estate, business, or personal needs.
Estate Planning
Align your real estate and brokerage investments for tax efficiency and financial growth. We provide expert guidance on strategies such as 1031 exchanges, accelerated depreciation, and tax-loss harvesting. Our advanced planning software helps visualize the impact of property purchases, renovations, and market changes.
Risk Management
Safeguard your financial future with a comprehensive risk assessment. We analyze potential threats such as premature death, disability, and rising insurance costs. Our team works with you to find the right coverage—whether through health, life, or property and casualty insurance,while minimizing expenses and maximizing protection.
Investment Planning
Align your real estate and brokerage investments for tax efficiency and financial growth. We provide expert guidance on strategies such as 1031 exchanges, accelerated depreciation, and tax-loss harvesting. Our advanced planning software helps visualize the impact of property purchases, renovations, and market changes.
Client Portal
Gain full control over your financial landscape with our secure client portal. Track your budget, net worth, and all financial accounts in one place. Stay organized with categorized expenses, task management, and document storage.Have easy access to critical financial information anytime, anywhere.
Business Owners & Real Estate Investors
Business owners
Our financial planning service for businesses is a roadmap to financial success. We help you see your current financial situation, identify areas for improvement, and create a plan to achieve your business goals.
- Cash flow management:
We can manage the cash you have set aside for the business above day to day operating expenses
- Risk management:
We identify and mitigate potential financial risks like unexpected expenses or key-man risk and assist in the creation of buy-sell agreements
- Tax planning:
We develop strategies to minimize your tax burden and keep more money in your business.
- Retirement planning for you and your employees:
We create a plan for your financial security and offer retirement benefits to attract and retain talent.
- Monitor and adjust the plan:
As your business and the market evolve, we help you monitor your progress and adjust the plan as needed.
Financial Planning
At Sterling Adams Wealth Management, we take a holistic approach to financial planning, ensuring your investments, taxes, and long-term goals are strategically aligned for maximum efficiency and security.
Tax Planning
Minimize your tax burden through strategic deductions, depreciation, 1031 exchanges, and tax-efficient investment strategies tailored to real estate investors.
- Education Planning
Secure your children’s future with tax-advantaged education savings plans, balancing tuition costs with your broader financial goals.
Retirement Planning
Build a retirement strategy that incorporates real estate cash flow, tax-deferred accounts, and passive income streams for long-term financial security.
- Investment Planning
Optimize your portfolio with a mix of real estate and market investments, ensuring diversification and maximizing returns while managing risk.
Risk Management
Protect your assets and income with comprehensive strategies, including insurance, liability protection, and contingency planning for unforeseen events.
Why choose us?
At Sterling Adams, we prioritize your best interests, offering customized strategies to meet your unique goals. With our expertise in various financial facets, we ensure comprehensive guidance and a proven track record of success.
Strong Experience in Financial Planning
Our strong experience in financial planning is another compelling reason to partner with us. Our extensive backgrounds in financial planning, including real estate and business planning, allow us to offer comprehensive and informed guidance, ensuring that every aspect of your financial health is addressed. Our proven track record of helping clients achieve financial success through prudent planning and strategic investment underscores our capability and commitment to excellence in the financial planning industry.
Understanding Your Needs
Looking to retire early? Build a real estate empire? Or simply have a comfortable retirement? At Sterling Adams Wealth Management, we recognize that individuals and small business owners have unique financial goals and challenges. Our personalized approach means we take the time to understand your specific needs and tailor our services accordingly. Whether you are looking to mitigate taxes, manage risk, or plan for future growth, we are adept at crafting customized financial strategies that align with your objectives.
Trust and Reliability
Choosing Sterling Adams Wealth Management for your financial planning needs is a decision rooted in trust and reliability. Our company prides itself on maintaining the highest standards of fiduciary duty, ensuring that your best interests are always at the forefront of our strategiesthrough adherence to the Certified Financial Planner (CFP(r)). We understand that financial planning is a deeply personal endeavor, requiring expertise and a commitment to transparency, and integrity, and privacy
Contact Us
Get In Touch
862-261-5195
155 Pompton Ave, Suite 203-1, Verona, NJ 07044
angelo@sterlingadams-wm.com