Skip to main content

Who We Serve

We work with a range of clients through all phases of life, but they each have one thing in common—they want clear direction for their financial future.

Welcome We Are Open sign


Owners of closely-held businesses have a unique need to synchronize personal and business goals in order to preserve and maximize wealth and build a secure financial future. Having an integrated financial plan helps you minimize risk and be prepared for the unexpected, engage tax strategies to help reduce income and capital gains burdens, build employee benefits and incentive programs to maximize key person retention, and align targets to craft the right transition, succession, or sale of the business.

We help you get the most out of the business you have worked so hard to build for the customers and employees who depend on it.

Cropped shot of two businesspeople shaking hands during a meeting in the boardroom


For executives at publicly-traded companies, personal wealth management is tightly linked to company performance and shareowner value. Optimizing performance-based income and equity compensation requires sophisticated strategies across elements including restricted stock units, stock grants, stock options, initial public offerings, and employee stock purchase plans.

The right tax strategies help minimize the erosive nature of taxes and strategically managing proceeds helps you meet milestones sooner and provide more flexibility for long-term plans. With a thorough plan, you can feel confident knowing that your wealth and income is protected and optimized.

Business people talking in the office


Whether you're starting a new venture or are on a path to success in your profession, you excel in your professional life and are making a positive impact. You recognize the value that an expert team of credentialed professionals can bring to help you identify and execute the right financial strategies.

We recognize your potential and work with you to craft a financial plan to achieve the wealth accumulation you aspire to. Your plan is based on your financial goals, unique financial situation, timing, and risk tolerance. Then we help you execute your plan with tailored investment and risk management strategies and solutions.

Shot of a mature couple enjoying a relaxing boat ride


For high and ultra high-net worth, wealth and legacy planning involves more than accumulating wealth; it entails maintaining control of your assets during your lifetime and beyond. We help you make intelligent decisions on how to deploy your capital, maximize returns, and minimize your tax burden. We identify blind spots others miss and craft strategies for sustainable wealth and the legacy you desire including solutions like donor-advised funds and family trusts to preserve wealth and maximize the impact of charitable goals.

With sophisticated solutions tailored to your financial goals and sound asset management execution, you and your family can enjoy your wealth today, and for generations to come.

Multigenerational family celebrates grandmother’s birthday


One of the most rewarding parts of our job is to walk with you through the distribution phase of your long-term planning. After decades of hard work and intentionality, the focus shifts to honoring that discipline and realizing more of your dreams. Implementing the right strategies for the distribution of your wealth is just as important as the accumulation stage and we’ll help take the guess work out so you can continue living life to the fullest.

Father giving young daughter piggyback ride on beach


Our tailored planning process begins with an understanding of each client's unique goals, challenges, and opportunities. We recognize the time and effort required to acquire and grow wealth. We also understand that life can throw some curveballs.

Regardless of what stage of life you are in, or what setbacks you have faced, the Sterner Financial team is committed to helping you maximize, preserve, and sustain wealth by applying sophisticated strategies for tax-efficient portfolios and proactive solutions to help minimize exposure.