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Make better financial decisions with
clarity and confidence.

Sterling Retirement Group helps you cut through the noise so every financial move you make is the right one.

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OUR PROMISE

We help you make the right financial
decisions at the right time

Not sure what to do with your money? You’re not alone. Most people who reach out need help navigating financial decisions. What you need is someone who can look at your situation and
tell you what actually makes sense. That’s what we do.

WHAT WE DO

We act as your
financial decision partner

We work alongside you to help you make the right financial moves at the right time. Every decision connects to the next. We make sure they all work together — not in isolation.

HOW IT WORKS

Start with a conversation

Step 01

Intro Call

A brief call for a quick understanding of your situation. Tell us what’s on your mind, no preparation needed. Just an honest conversation.

Step 02

Initial Meeting

We sit down and take a thorough look at your full financial picture — your accounts, your goals, your current strategy, and where the gaps might be. You’ll walk away with a clear understanding of where you stand today.

Step 03

Next Steps

We’ll walk you through your best next steps, explain the reasoning behind each one, and make sure you feel confident before making any decisions.

OUR APPROACH

A Disciplined Process. Built for Real Life.

FREQUENTLY ASKED QUESTIONS

Most Common Questions

When should I start planning for retirement?

The earlier you start, the more options you have — but we work with people at every stage, including those who feel like they’re behind. Whether you’re 15 years out or 15 months out, we’ll meet you where you are and build a clear path forward.

How do I know if I'm on track for retirement?

It comes down to a few numbers: what you’ve saved, what you’re contributing, and the lifestyle you’re planning for. We’ll run a clear projection comparing where you are today against where you want to be, then show you which levers — savings rate, timeline, or investment mix — actually move the needle. No jargon, just a straight answer on where you stand.

What should I do with an old 401(k) from a previous employer?

You generally have a few options: leave it where it is, roll it into your current employer’s plan, or move it into an IRA. Each comes with trade-offs around fees, investment choices, and how easily you can manage everything in one place. We’ll walk through your specific situation and help you pick the route that keeps your money working hardest for you.

How much money do I need to work with a financial advisor?

Less than most people expect. We work with clients across a wide range of situations — from those just getting organized to those managing significant assets — and what matters more than a dollar figure is that you’re ready to build a plan. Reach out and we’ll be upfront about whether we’re the right fit for where you are.

TESTIMONIALS

Your trusted local advisor

After several years now of working with Mike Gebhardt with Sterling Retirement I can say I am a huge fan of what he does. We all know our retirement accounts go up and down, but I think Mike’s track record over the past several years speaks for itself.

Dan F.

We have worked with Gary for years now! He’s so knowledgeable and honest. He takes care of the whole family now.

Jacquelyn G.

I moved to Sterling after lack luster performance and little interaction from my previous financial advisor and wish I had done it sooner. Not only have the returns been better but the portfolio better reflects our risk tolerance.

Alex B.

Schedule a Complimentary Consultation

No pressure. Just clarity. Get answers specific to your situation and walk away with a clear plan.

Make better financial decisions with clarity and confidence.