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.
Our Financial Planning Services
Tax Planning
Tax planning helps you save money on taxes by strategically managing your finances throughout the year. At Sterling Adams, we consider your income, investments, and goals to identify deductions and credits you qualify for. Think of it as a roadmap to minimize your tax burden and keep more of your hard-earned cash.
Education Planning
Our education planning service assists you in navigating your child’s academic journey. We advise you on financial aid, and building a customized savings strategy. From kindergarten to college, we will help you find the best fit for your child’s needs and your budget. We can help you set up an NJBEST 529 Plan for potential New Jersey state tax deductions.
Estate Planning
Safeguard your legacy. At Sterling Adams, we work with you to design an estate plan that minimizes taxes, avoids or shortens probate, and ensures your wishes are met. We’ll guide you through wills, trusts, and more, giving you peace of mind for your family’s future.
Risk Management
Our risk management service protects your financial future. We identify threats to your plan, like healthcare costs, and create strategies to minimize them. This might include health insurance, life insurance, and disability insurance. We’ll also help you build a buffer for life’s surprises, giving you peace of mind.
Retirement Planning
Chart your course to a dream retirement! Sterling Adams Wealth Management crafts personalized strategies helping his clients achieve their long-term financial goals. We analyze income, investments, and goals to build a roadmap for a comfortable and fulfilling post-work life. We also work with clients who are looking to FI/RE. Get peace of mind knowing you’re on track for a comfortable retirement.
Investment Planning
Don’t navigate investing alone. Our investment planning service tailors a strategy to your goals, risk tolerance, and financial dreams. Whether you want to retire at 40, or never retire, We’ll analyze your situation, recommend suitable investments, and monitor progress to keep you on track.Invest with confidence. Sterling Adams Wealth Management does not require direct management of client assets. Clients can be advised on how to allocate their assets to achieve their goals.
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.
Real Estate Investors
Our real estate investment planning services help you develop a strategic approach to building wealth through rental real estate property.
- Goal setting:
We identify your real estate investment goals, whether it’s steady rental income, long-term appreciation, or a combination of both.
- Financial analysis:
We analyze your financial situation to determine how much you can invest, what financing is best, and how real estate fits into your overall portfolio.
- Financial planning:
We assess your budget, financing options, and potential tax implications of real estate investments.
- Investment strategy:
We develop a plan for managing your properties, including budgeting for maintenance, tenant management, and potential renovations.
- Cash Management:
We can manage your CapEx funds to ensure your idle cash is working for you and is there when you need it.
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