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About Our Services

About Our Services

We are a financial services firm that is experienced in helping our clients transition into retirement. We offer customized solutions to your pension, savings, and estate planning needs. This includes experience in various pension and retirement plans, investments, long-term care, insurance, and estate planning.

We value relationships! By knowing our customer, we can better assist you with your long-term planning needs.

Retirement Planning

Offered to individuals who have made a decision to enjoy retirement. We can assist you with:

  • Developing a sensible investment strategy
  • 401(k) and pension assets
  • Formulating a reasonable retirement budget
  • Exploring solutions to help protect your assets
  • Taking early distributions from your retirement plan without incurring the 10% penalty

Pre-retirement and Wealth Building

Offered to individuals between the ages of 45 and 65, we can help you strategize your pre-retirement savings plan. Services that may be of particular interest to you include:

  • Review of your current retirement savings habits
  • Review of your pension and other employer-sponsored plans
  • Develop an investment strategy
  • Assist with 401(k) assets
  • Review your Social Security benefits

Survivorship and Estate Planning

You've worked hard over the years and with a little planning you can rest assured that your family inherits more of your estate than the government. We can help you:

  • Prepare an estimated value of your estate
  • Investigate various estate protection strategies that may help you reduce estate taxes
  • Review your wills and trusts, through coordination with an attorney
  • Identify and address estate liquidity problems through the use of life insurance

Neither Sturm Financial nor LPL Financial render tax or legal advice. Retirement plan distributions may be subject to tax and 10% penalty if withdrawn before age 59 1/2.