We look to serve those who value advice, education, behavioral coaching, and proactive recommendations to serve their financial goals and life purpose.
Core Deliverables
Comprehensive Strategies Designed to Empower Your Financial Journey
At Sterling Edge Financial, our planning process is rooted in delivering clarity, confidence, and strategic guidance across every aspect of your financial life. Our core deliverables are not one-size-fits-all—they are personalized to your goals, lifestyle, and evolving priorities.
💰 Cash Strategy
We help you understand, organize, and optimize your cash flow—ensuring you're prepared for today’s needs while building a foundation for future opportunities. This includes emergency fund planning, liquidity analysis, and smart budgeting tailored to your lifestyle.
(Estimated Value 1% - 3%+ of household income)
🏥 Benefits Strategy
Maximize the value of your employer-provided benefits. From health insurance to retirement plans and government benefits we help you make the most of what’s available—aligning your choices with your broader financial goals. (Estimated Value $500 - $5,000+)
🛡 Insurance Strategy
Protect what matters most. We evaluate existing policies and recommend coverage strategies to mitigate financial risks—whether it’s life, disability, long-term care, or liability insurance.
(Estimated Value 1% - 5% of income or 1% - 5% of net worth)
⏳ Retirement Strategy
Plan with purpose. We create clear, actionable retirement income strategies that account for your goals, timelines, and lifestyle preferences—ensuring you're not just ready to retire, but ready to thrive. (Have more realistic expectations of what you can afford, how to spend. This could result in )
📈 Investment Strategy
Gain clarity and confidence in your investment approach. We build diversified, tax-aware portfolios that align with your risk tolerance, time horizon, and evolving financial needs.
(Estimated value 0.5% - 3.5% of investable assets)
🧾 Tax Strategy
We collaborate to uncover opportunities for tax efficiency—coordinating with your tax professionals and advising on tax-smart investing, income distribution, and planning techniques that can save money now and over time. (Estimated Value 1% - 10% of household income)
📜 Estate Planning Strategy
Your legacy, your way. We guide you through estate planning conversations and partner with your attorney (or find you an attorney) to ensure your wishes are documented, assets are titled correctly, and your plan reflects your values. Once complete we update your account titling and beneficiaries to match.
Estimated Value (1% - 5% of net worth + education and empowerment of estate plan)
🎯 Goal Tracking
Stay on course. We continuously monitor progress toward your financial goals—adjusting strategies as life changes to keep you aligned and empowered.
Estimated Value (Empowering your plan to have more realistic expectations and understand what you can do next to create the most value for your financial plan)
🧠 Behavioral Coaching
Financial decisions are emotional. We provide coaching that helps you stay disciplined, focused, and resilient—especially when market noise or life events challenge your long-term strategy.
Estimated Value (0.5% - 3% per year of investable assets) - Advisor Alpha Study
(0.5% - 3% of net worth) - Morningstar Advisor Gama Study
🔬 Advanced Modeling of Complex Financial Decisions, Challenges & Opportunities
Life isn’t linear—and neither are your finances. We use advanced modeling tools to evaluate trade-offs and scenarios involving major financial decisions such as real estate, business transitions, education funding, relocation, or early retirement. This gives you the clarity to move forward with confidence and precision.
✅ Option 1: Full-Service Partnership
Our Recommended & Most Valuable Approach
This option is ideal for clients who value comprehensive financial planning and want us to lead implementation, provide professional investment management, and coordinate strategy across all areas of their financial life.
Year 1
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Start at $300/month Financial Planning Fee
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1.25% AUM Fee (tiered to decline as assets grow)
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Proactive financial advice, investment management, strategy execution, and clear understanding of what's next.
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Estimated 6–8 meetings
Year 2 and Beyond
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Reduced Financial Planning Fee: $60/month
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AUM Fee remains the same, applying only to assets under our management
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Estimated 2–5 meetings
Best For
Busy professionals, families, and business owners seeking a fully integrated financial planning relationship with minimal time commitment and proactive, ongoing financial guidance.
🧠 Option 2: Advice-Only Planning
For the DIY Implementer Who Wants Expert Guidance
This option is ideal if you’d like us to create your plan while you manage and implement most of it yourself.
Year 1
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Start at $750/month Financial Planning Fee
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Estimated 4–6 meetings
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You’ll be responsible for executing our recommendations
(Estimated 30–60 hours of personal implementation time)
Year 2 and Beyond
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Reduced Fee: $500/month
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Estimated 2–3 meetings
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You’ll continue to execute the plan independently
(Estimated 25–40 hours of personal implementation time)
Best For
Those who are comfortable managing their finances independently, have extra time and are comfortable assuming the risk of implementation. They want a professional roadmap and accountability—without portfolio management services. They are comfortable working with multiple professionals with competing interests with the potential of receiving conflicting advice.
What Makes Us Different
Holistic Planning Authority
We go far beyond investment management—offering tailored advice on taxes, estate planning, insurance, employee benefits, cash flow, retirement income strategies, and more.
No Hidden Fees
We’re 100% transparent about our compensation.
Should a solution with a commissionable form of compensation be the best or only course of action to serve a part of your financial plan we will communicate that commission. (examples include but are not limited to: long term care, life insurance, disability insurance and private placements)
Your Time is Valued
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Option 1: We implement, monitor, and adjust your plan—freeing up your time and ensuring execution.
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Option 2: You retain control and flexibility if you prefer a more hands-on approach. You are comfortable with additional risk and assuming errors in execution.
We’re here to support your financial journey—whether you're preparing for retirement, navigating complex benefits, paying off student loans, combining finances, or planning to start a family. Our mission is to offer a proactive process and thoughtful engagement to help you make more informed financial decisions—mindful that both life and the financial landscape are always evolving.
Schedule a conversation to get started.
https://www.sterlingedgefinancial.com/
Book a Meeting with Kit Lancaster CFP
Book a Meeting with Katie Sauer
Estimated Value is not a guarantee and will vary from client to client. This content is being provided for informational purposes only and should not be construed as specific financial planning recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Diversification and asset allocation strategies do not assure profit or protect against loss. Indices mentioned are unmanaged and cannot be invested into directly. Past performance is no guarantee of future results. Investing involves risk. Depending on the types of investments, there may be varying degrees of risk. Investors should be prepared to bear loss, including total loss of principal.
Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer member FINRA/SIPC. Advisory services through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Cambridge and Sterling Edge Financial LLC. are not affiliated.
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