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Sterling Benefits Group, LLC

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Welcome to our research center! We've put together a library of information on important financial topics that we believe you'll find helpful.

Simply click on one of the general financial topics below and you'll find a selection of easy-to-understand information sheets about related financial concepts and strategies. This information is updated regularly to reflect the latest facts, figures, legislation, and economic trends.

Personal Finance

Term life insurance differs from permanent forms of life insurance in that it offers temporary protection.

Retirement Planning

The Social Security Administration’s retirement estimator gives estimates of your future benefits based on your actual Social Security earnings record.

Retirement Planning

Annuities, an insurance-based financial vehicle, can provide many benefits that retirement investors might want.

Personal Finance

Couples who want to help protect their legacy from estate taxes could consider last-survivor life insurance.

Personal Finance

There are numerous investment alternatives available to help provide liquidity.

Tax Planning

Tax-deferred retirement account withdrawals before age 59½ generally trigger a 10% federal tax penalty.

Personal Finance

The odds of needing long-term care increase as you age. Prior planning can help protect you from financial ruin.

Personal Finance

Several factors could undermine the financial security provided by the proceeds of your life insurance policy.

Tax Planning

IRAs and employer-sponsored retirement plans are subject to annual contribution limits set by the federal government.

Tax Planning

Required minimum distribution is the annual amount that must be withdrawn from a qualified retirement plan/account.

Personal Finance

To help you choose insurance wisely, determine how much coverage and what kind of policy is best for your situation.

Personal Finance

Selecting health insurance is often one of the most important decisions you will make. Do you know the different types?

Retirement Planning

Tax-deferred retirement plans for self-employed individuals have higher contribution limits than IRAs.

Personal Finance

Company-owned life insurance is one way to help protect a business from financial problems caused by the death of a key employee.

Retirement Planning

Living benefits can help protect variable annuity owners from running out of money in retirement.

Personal Finance

Property and casualty insurance can help protect a variety of assets. Find out what it does and doesn’t cover.

Personal Finance

There are three basic types of medical insurance plans: fee-for-service, managed care, and high-deductible health plan.

Personal Finance

Even if your state doesn’t require certain types of auto insurance, it may be wise to purchase multiple types to ensure you are covered for a variety of situations.

Tax Planning

United States tax law is a constantly changing landscape. The latest major piece of tax legislation is the Tax Cuts and Jobs Act of 2017.

Personal Finance

Knowing the basics of a disability income insurance policy is a good first step toward protecting your family.

Transferring Wealth

Sole ownership, joint tenancy, tenancy in common, and community property have special benefits for property owners.

Personal Finance

Some of the pros and cons of whole life insurance.

Personal Finance

When selecting a life insurance policy, examine all your options, as well as the positives and negatives of each type.

Personal Finance

Consider a universal life insurance policy if you want the flexibility to change your premium or death benefit.

Personal Finance

As a business owner, a disability can create an economic hardship putting both your personal finances and business at risk.

Personal Finance

Medicare is the federal health insurance program for those persons age 65 and over. But what does it cover?

Personal Finance

Shifting some debt to a home equity loan, which typically allows interest payments to be tax deductible, could have its advantages.

Transferring Wealth

A living trust can help control the distribution of your estate upon death.

Personal Finance

A business owner policy is an insurance package that assembles the basic coverages required by a business owner in one bundle.

Personal Finance

Historically, one of the best ways to fight the effects of inflation has been to utilize growth-oriented investments.

Personal Finance

If you were to suffer an illness or disability that required long-term nursing care, would you be covered?

Personal Finance

A sound cash management program uses a disciplined approach: accounting, analysis, allocation, and adjustment.

Personal Finance

Short-term cash management instruments can help you establish a sound cash management program.

Personal Finance

Using a financially sound insurance company is an important part of ensuring your family’s financial security.

Personal Finance

If you have a family who relies on your income, it is important to have life insurance protection.

Transferring Wealth

The probate process can be lengthy and complex. There are strategies you can use to help avoid the probate process.

Retirement Planning

Allocating too much of your retirement investments to one company, even your own, can be a risky proposition.

Personal Finance

Consider additional liability insurance to help protect you from the potentially devastating effects of liability lawsuits.

Personal Finance

Before making investment decisions, it is helpful to determine the real rate of return on the investment.

Retirement Planning

Greater demand is being placed on the Social Security system as the baby boom generation has begun to retire.

Personal Finance

It's important to understand the options, such as financial aid grant programs, when having to pay for college.

Personal Finance

An annuity is a contract between you and an insurance company to pay you future income in exchange for premiums you pay.

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