Tax Planning
Stop paying more than you owe!
We work with you year-round to develop a personalized strategy that minimizes your tax burden and maximizes your savings.
Deep dive into your finances
We analyze your income, investments, and financial goals to uncover every tax advantage available to you.
Deduction and credit identification
We’ll ensure you claim all the help, deductions and credits you qualify for, putting more money back in your pocket.
Proactive tax planning
We don’t wait until tax season. We guide you throughout the year with strategies to minimize your tax liability.
Think of it as a personalized roadmap that helps you:
- Reduce your tax liability: We’ll identify legal strategies to minimize what you owe the IRS.
- Maximize deductions and credits: We’ll assist you in identifying deductions and credit you’re entitled to.
- Keep more of your hard-earned money: By proactively planning, you’ll be putting more money back in your pocket.
Education Planning
How we plan your future
We provide a comprehensive approach, guiding you through every stage of your child’s educational journey, from kindergarten to college.
Expert Financial Guidance
We navigate the complexities of financial aid applications, scholarships, and grants to maximize your child’s funding opportunities.
Customized Savings Strategies
We work with you to develop a personalized savings plan that aligns with your budget and educational aspirations for your child.
Finding the Perfect Fit
We consider your child’s needs, learning style, and academic goals to help you identify the best educational environments at every stage.
Unlock Tax Advantages (NJ Residents)
We guide you on setting up an NJBEST 529 Plan, a tax-advantaged college savings program offered by the State of New Jersey.
With our guidance, you will:
- Reduce financial stress: Feel confident knowing you’re on track to afford your child’s educational aspirations.
- Maximize opportunities: Explore all financial aid avenues to unlock resources for your child’s success; including possibly going to school for free using New Jersey state programs.
- Make informed choices: Find the ideal learning environment that fosters your child’s unique talents and goals.
Estate Planning
We offer a comprehensive approach and will guide you through:
At Sterling Adams, we understand the importance of safeguarding what matters most. Our estate planning services are designed to provide you with a comprehensive and customized plan that minimizes taxes, avoids, or shortens probate, and ensures your wishes are faithfully carried out.
Will development
A clear and concise document outlining your asset distribution and guardianship preferences.
Trusts
Strategic tools for asset protection, beneficiary benefit maximization, and potential probate avoidance.
Tax planning strategies
Minimize the impact of taxes on your estate and ensure your beneficiaries receive the most value.
And more...
We address your unique needs, potentially including powers of attorney, beneficiary designations, and healthcare directives.
Risk Management
How we do it
Our risk management service is designed to proactively identify potential threats to your financial well-being and develop strategies to minimize their impact.
Threat Identification
We go beyond the obvious. We’ll work with you to uncover hidden risks that might disrupt your financial plan, such as rising healthcare costs, disability, or premature death.
Strategic Solutions
Based on your unique needs and goals, we’ll recommend personalized insurance products like health insurance, life insurance, and disability insurance. These can act as a safety net, mitigating the financial burden of unforeseen circumstances.
Building a Buffer
We’ll help you establish a financial buffer to absorb life’s unexpected events. This could include emergency savings plans or investment strategies designed to weather financial storms.
Our risk management service empowers you to:
- Protect your loved ones: Ensure your family’s financial security in case of your passing or disability.
- Maintain financial stability: Minimize the impact of unexpected healthcare costs or income loss.
- Achieve your financial goals: Stay on track to achieve your long-term financial aspirations with confidence.
Retirement Planning
How we do it
At Sterling Adams Wealth Management, we create personalized retirement plans & strategies designed to help you achieve your vision of a comfortable and fulfilling post-work life.
Chart Your Course
We work closely with you to understand your retirement goals, income sources, and risk tolerance.
Investment Analysis
We analyze your existing investments and recommend adjustments to optimize your portfolio for retirement.
Personalized Roadmap
We develop a clear and actionable plan to bridge the gap between your current financial situation and your desired retirement lifestyle.
FI/RE Ready
Ready, Aim, FI/RE Ready- Are you aiming for Financial Independence at an early age (otherwise known as financial independence/ Retire Early (FI/RE))? We can tailor a strategy to help you achieve that goal.
Investment Planning
How we do it
Our investment planning service offers a personalized roadmap to navigate the investment landscape and achieve your financial dreams.
Tailored Strategy
We take the time to understand your unique goals, risk tolerance, and financial aspirations.
In-Depth Analysis
We meticulously analyze your current financial situation to build a foundation for your investment journey.
Suitable Investment Recommendations
Based on your profile, we recommend a diversified portfolio of low-cost, passively managed investments aligned with your objectives.
Ongoing Monitoring
We continuously monitor your progress and make adjustments as needed to keep you on track. Invest with confidence.
At Sterling Adams Wealth Management, we value independence for our clients. While we don’t directly manage your assets, we provide the knowledge and guidance you need to make informed investment decisions and achieve your financial objectives.
Why Choose Us for Your Personal Financial Planning?
Our personalized financial planning goes beyond generic advice. We take the time to understand your unique goals, from dream vacations to comfortable retirements. Leveraging our expertise, we’ll craft a roadmap to achieve them, helping you manage debt, invest strategically, and navigate life’s financial ups and downs with confidence. Partner with us and experience financial clarity and peace of mind.
Contact Us
Get In Touch
862-261-5195
155 Pompton Ave, Suite 203-1, Verona, NJ 07044
angelo@sterlingadams-wm.com