It is mutual trust, even more than mutual interest, that holds human associations together.

H. L. Mencken

When choosing an advisor for family office services, you need a partner who has a broad range of skills, deep experience, sound judgment, and strategic insights. Just as important are the personal qualities of honesty, integrity, and loyalty upon which a lasting relationship of trust and respect must be built.

Sterling is that kind of partner. For decades, Sterling’s principals have worked at the very highest levels of the corporate, financial, political, and philanthropic worlds and use that experience to deliver superior results to our clients. We have a proven track record of making good decisions and seeing them through to completion. Simply put, we know how to get things done.

Objective Cross-Functional Counsel

Sterling understands the complexities involved in evaluating options and how important it is to view every decision – every investment made, every property sold, every business started, every charitable gift given – through multiple lenses. What impact will this have on my income taxes? How does this affect the diversification of my portfolio? Am I adequately insured? Will this have estate tax implications? These are questions that can be answered by specific professional advisors, but only if each of them is asked. Sterling provides this proactive, cross-functional analysis to our clients by coordinating with your team of advisors, and other experts to make sure you have all the answers.

And because Sterling refuses to take commissions or referral fees, you know you’re getting the unbiased information you need to make the right decision.

Creative Solutions to Financial Issues

Sterling provides sophisticated and customized solutions to help solve some of the most complex and esoteric business and tax issues for wealthy families and privately-held companies. Working directly with existing investment, accounting and legal advisors, or with recommended professionals that are most appropriate for your particular needs, we offer a full range of tax and estate planning, family trust and wealth transfer services to help achieve the best results for our clients, their families and for future generations.

Our tax planning approach includes measures designed to reduce tax liability, such as the timing of gains, use of tax-deferred accounts, loss recognition, the optimization of charitable deductions, and the use of tax-exempt investments.

Our estate planning work is designed to help preserve resources and achieve family continuity, encourage personal responsibility, and provide a legacy of long-term financial security for heirs. Sterling’s creative estate planning for some of the wealthiest families in the country has broken new ground by using innovative approaches to existing laws to benefit our clients.

Note: Sterling does not custody assets or provide specific tax, legal or investment advice. Any tax or estate planning work is done is close coordination with each client’s team of professionals. Independent outside accountants and lawyers prepare and sign off on tax returns and other filings.

Risk Management/Asset Protection

Sterling provides clients with a comprehensive analysis of your potential exposure to risk and liability and work with insurance providers to ensure that exposure is covered.

Our experience in the family office business helps us identify and mitigate risks that clients may not even know exist. For example, we routinely develop protocols to protect the privacy of our clients and prevent you from becoming a victim of identity theft.

We also provide risk management solutions that few firms are capable of providing. We put a premium on our clients’ personal and financial safety and have a long track record of keeping our clients safe from the innumerable risks facing high net-worth individuals today.

Financial Reporting

Sterling provides simplified, easy-to-use financial statements and balance sheets for all personal and family assets of our clients, regardless of their complexity.

These financial reports give you a clear and complete picture of what the assets are, where they are, and how they are performing. Our principals draw on our experience in managing financial reporting for major companies, high net-worth families, and major non-profit organizations. The company also provides clients with complete personal bookkeeping and bill paying services. Personalized monthly reports of expenses are developed in a format that allows you to quickly and efficiently track fixed and discretionary spending.