Sterling Advisor Solutions is dedicated to helping advisors find the best solutions for their clients. Below, you'll find a map that outlines the broad spectrum of client situations where Sterling can help.

Sterling Advisor Guides

Sterling Advisor Solutions offers several innovative and insightful guides for advisors. These guides, written by Sterling CEO Roger D. Silk, will detail some common client situations, and discuss the optimal solutions for those clients and their advisors. 

Currenltly, we have four advisor guides available, with more on the way. To request any of these advisor guides, please email Ryan Whiting ([email protected]) or Connor Barth ([email protected]) and ask for the guide you are interested in.

The sale of a business is often the largest single financial transaction in the business owner’s life. While the actual sale itself is usually adequately handled by the investment bankers and lawyers, too often the owner’s big-picture concerns get subordinated to the drive to “get the deal done.” Those big picture concerns may include everything from the owner’s spouse’s feelings, to good income tax planning, from the consideration of long term counterparty risk, to good planning for the owner’s retirement assets, and from the time shape of the purchase price, to good estate planning. These big picture concerns may fall through the cracks, unless there is someone driving the process and taking the big picture view. Sterling is uniquely qualified and capable of making sure your goals are achieved during the sale of your business.

Long term owners of real estate often have large taxable gains, the result of increases in market value, depreciation, or both. Income properties that have been held for the long term will usually have taxable gain resulting from depreciation, even if the market value has not risen. Two common motives for selling such appreciated real estate are the desire to diversify what has become a concentrated position, and the desire to free oneself of the management hassles that often accompany real estate. The desire to avoid capital gains tax is a major reason owners hesitate to sell. This guide explores the four most common solutions to the situation.

From the point of view of need, an investor who does not expect to need the assets in his retirement account has, by definition, a large retirement account. In absolute terms, a large retirement account is often defined as an account of at least $1 million. This guide focuses on accounts that are large by both definitions. Large retirement accounts are different from other accounts in at least three ways. First, the proper time horizon for these accounts should be much, much longer than the investor’s life expectancy. Second, large retirement accounts are subject to devastating taxation at the death of the investor, and thus require special planning. Third, large retirement accounts are often associated with large required minimum distributions, and these distributions often create large, unwanted tax bills. The combination of required minimum distributions, and eventual investor death leads to large taxes, and a corresponding reduction in the funds available for the investor’s family, and also to a reduction in advisor assets under management. Good planning can in most situations solve most or all of these problems.

Holding a concentrated position in a publicly traded stock requires the holder to bear excess risk. Excess risk is risk for which the holder cannot expect to be compensated. We examine a number of reasons people continue to hold concentrated positions despite the excess risk. Perhaps the most frequent and compelling reason is the desire to avoid, or at least postpone, tax. We examine nine commonly discussed solutions, and find that one of two solutions – outright sales and stock diversification trusts – are the most appropriate solution in most cases. We also explain the often confused concepts of hedging and diversification.

Politicians Spend, We Pay

The History And Causes Of Inflation And How You Can Protect Your Wealth

High price inflation has returned because politicians seem to have forgotten, or are ignoring, the lessons of history, and their economist advisors have forgotten, or are ignoring, the lessons of economic theory. By creating large amounts of new money, essentially out of thin air, the government is creating the monetary conditions that, in the past, have, almost without exception, led to high levels of price inflation.

Politician's Spend, We Pay by Sterling CEO Roger D. Silk investigates inflation, including the causes and effects, as well as what to do in times of high inflation such as now.

To learn more, please visit the page on our website for Politicans Spend, We Pay.