Financial Advisor
Your total wealth management solution in New Jersey & across the US
Your Advisor
Angelo Cirinelli
Angelo Cirinelli is a financial planner based in New Jersey, specializing in real estate and business planning. Angelo established his own company dedicated to helping entrepreneurs and people who invest or wish to invest in real estate in New Jersey and across the US. As a business owner and real estate investor himself, Angelo understands the importance of a financial plan that is tailored to the unique needs of these individuals and their families. Providing fiduciary financial planning services, Angelo aims to be the first person his clients think of when they have a financial question.
Real Estate Financial 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
Real estate investors have unique estate planning needs that can be dealt with using trusts, family limited partnerships, and other estate planning techniques to ensure that your final wishes are carried out and that the tax burden does not destroy what you took decades to build.
Risk Management
Safeguard your financial future with a comprehensive risk assessment. We analyze entity structuring and other 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. Our advanced planning software helps visualize the impact of property purchases, renovations, and market changes. No matter if your goal is early financial independence, building an empire, or supplementing your retirement income. We can help you!
Tax Planning
Rental real estate is known for its crazy tax benefits. We discuss, model, and help you implement tax saving strategies such as 1031 exchanges, cost segregations, and bonus depreciation to keep more money in your pocket to buy more deals.
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 Owners
While most financial advisors claim to take a holistic approach to financial planning, they most often ignore your biggest asset, real estate. At Sterling Adams Wealth Management, we take a holistic approach to financial planning, ensuring all of your financial life is aligned and advised on to reach your goals.
Tax Planning
Minimize your tax burden through deductions, depreciation, 1031 exchanges, and tax-efficient investment strategies tailored to real estate investors.
- Cash Management
Keep your cash readily accessible and earning a competitive yield to make quick acquisitions and pay for capital expenditures.
- Investment Planning
Optimize your portfolio with a mix of real estate and market investments, or one or the other if you prefer.
- Risk Management
Protect your assets and income with comprehensive strategies, including insurance, liability protection, and contingency planning for unforeseen events.
- Debt & Financing
We assist you in staying within your risk tolerance, ensure that you are making good use of your equity, and help you qualify for better rates.
Why choose us?
At Sterling Adams, we align our fee structure to prioritize your best interests. Unlike most other firms that sell financial products, or charge large AUM fees, we are able to work with clients who want to focus on rental real estate.
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 landlords and business owners have unique financial goals and challenges, because we are landlords and business owners too. 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 strategies through adherence to the Certified Financial Planner (CFP®) Code of Ethics and Standards of Conduct. 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