Stirling Capital, Ltd.

05/27/2026

No two clients come to us with the same story, and that is exactly the point. Whether you are a family navigating a major life transition, an energy or refinery worker weighing your pension options, or a small business owner trying to build personal financial security alongside your company, the planning you need looks different from everyone else's. A couple in their late 50s evaluating early retirement has very different questions than a business owner with most of their wealth tied up in a single asset. That is why we start every relationship the same way: by listening. We take time to understand your goals, your timeline, and what financial security actually means to you before recommending anything.

05/25/2026

This Memorial Day, we honor the men and women who gave everything to protect the life and freedom we enjoy. For many military families, that service comes with unique financial benefits and challenges, from navigating pension decisions to understanding VA benefits and planning for transitions out of service. Financial security is one of the most meaningful ways to care for those who sacrificed so much. Whether you are a veteran, a military family, or simply someone who wants to honor that legacy with good planning, we are here to help. At Stirling Capital, we believe hardworking individuals deserve a financial future that reflects everything they have built and everything they have given.

05/20/2026

How much of your net worth is tied to your business? For many small business owners, the honest answer is “too much.”

That concentration works in your favor when things are going well, but it creates real exposure when they're not and can put you in a weak position when it's time to sell or transition. The earlier you build assets outside the business, the more control you have over your exit, your retirement, and your financial future. https://www.stirlingcapital.org/diversifying-business-owner-wealth/

Learn why diversifying business owner wealth is critical before retirement and how to reduce concentration risk with strategies built for entrepreneurs.

05/19/2026

Social Security is not just a monthly check. It is one of the most significant financial decisions you will make in retirement, and the timing matters enormously. Claiming too early can cost hundreds of thousands of dollars over a lifetime. Waiting beyond your full retirement age increases your monthly benefit by approximately 8 percent per year until age 70. For married couples, coordinating spousal and survivor benefits adds another layer of planning that most people do not fully consider on their own. Your health, other income sources, and tax situation all play a role in finding the right strategy. Getting this decision right is worth the conversation.

Nathan Boyer walks through social security claiming strategies here:

Discover expert Social Security claiming strategies to max your retirement income. Learn about spousal triggers, survivor protection, how to avoid mistakes.

05/18/2026

Are you making the most of your tax-advantaged retirement accounts? Roth IRAs offer tax-free growth and tax-free withdrawals in retirement, making them one of the most powerful tools available for long-term wealth building. Contributions are made with after-tax dollars today, but the money grows without being taxed again. For individuals in their peak earning years, a Roth conversion strategy can help shift money from traditional accounts at a lower tax cost before rates or income change. The key is understanding how your accounts work together and which approach fits your timeline and tax situation. Keeping more of what you earn starts with a thoughtful strategy.

05/13/2026

Most people know the One Big Beautiful Bill Act passed. Far fewer know that several of its most important retirement benefits are set to expire after 2028. A new Senior Deduction could eliminate federal taxes on Social Security income for many retirees, but it begins phasing out at $75,000 in income for individuals and disappears entirely in a few years. The estate and gift tax exemption has risen to $15 million per person, and Medicaid changes could affect long-term care costs for families relying on that coverage. Understanding what is temporary and what is permanent makes a real difference in how you plan.

Our latest insight from Nathan Boyer walks through what the OBBBA means for your retirement strategy and where to focus before the clock runs out.

Retirement planning is changing fast. Learn how the OBBBA affects Social Security, estate planning, Medicaid, plus what it means for your family's future.

05/12/2026

January resolutions get all the attention, but May is actually one of the best times to revisit your retirement plan. You are far enough into the year to see how things are tracking and still have time to make meaningful adjustments before year-end. The truth is that retirement plans age quickly. A strategy that made sense five years ago may now be working off outdated assumptions about your income, expenses, or timeline. Take some time this month to clarify what retirement actually looks like for you, review your income sources and how reliable each one is, make sure your investment positioning still fits your timeline, and confirm that your estate documents and beneficiary designations still reflect your current wishes. Meaningful progress does not require a dramatic overhaul. It just requires staying relevant.

Our insight from Dustin Alexander walks through five practical areas worth revisiting as you move through the year.

Is retirement on your horizon? Start the year strong with new year’s retirement resolutions that bring clarity and confidence.

05/11/2026

May is a season of new beginnings. Whether someone in your life just crossed the stage or you are the one turning a new page, it is a natural time to think about the financial chapter ahead. For new grads, starting even small contributions to a retirement account early creates a powerful head start. For families navigating major transitions, a clear financial plan makes the path forward a lot less uncertain. Whatever milestone you are celebrating this spring, the best gift you can give yourself or the people you love is a plan that actually works. At Stirling Capital, we help hardworking individuals make confident money decisions at every stage of life.

05/10/2026

Mother's Day is a good reminder of just how much mothers sacrifice to build a secure life for their families. For many moms, that dedication extends to their finances too. Women live an average of five years longer than men, which means retirement savings need to stretch further. Are the women in your life on track? Whether you are a mom planning for your own future or a family thinking about the people who matter most, now is a great time to make sure the financial plan reflects the full picture. At Stirling Capital, we help hardworking families build the security they have worked so hard to earn.

04/27/2026

Building wealth as a small business owner requires balancing the growth of your company with the growth of your personal financial security. Between 80 and 90 percent of a business owner's wealth is often tied to a single asset, their business, which creates real risk when market conditions, industry shifts, or unexpected health events arise. Strategic diversification spreads your wealth across different assets, protecting your retirement and your family's future while your business continues to grow. For high-profit businesses, options such as Defined Benefit and Cash Balance Plans now allow contribution limits that can exceed $200,000 in a single year, providing significant shelter from taxes during your peak income years. Your financial future should be just as strong as your business success.