Sterling Resources, Ltd. is an organization comprised of insurance professionals. It concentrates its efforts in financial and estate analysis for individuals, business continuity planning for closely-held businesses, and in the design, implementation, and administration of employee benefit and executive compensation plans. Sterling strives to bring a comprehensive and focused approach to these areas of need, and in the process, utilizes a network of highly regarded independent tax, legal, and financial advisors to enhance its expertise.

As a financial services firm, Sterling creatively utilizes insurance products to help preserve estates, provide liquidity, and fund benefit programs in the most tax-efficient way to help clients achieve their economic goals and objectives. Throughout the entire process, Sterling strives to make sure that its services complement those of their clients' existing legal and financial advisors, working collaboratively with all in order to create a workable plan.

As part of its work, Sterling conducts customized research, in-depth life insurance market analyses, and comprehensively quantifies projected values, guarantees, and contractual differences among various products. While these processes help Sterling identify the products that best suit the particular need, specific insurance products (coordinated with numerous tax- efficient, funding techniques) will be selected as a solution to a need only after there has been a thorough consultation with clients and their advisors.

As another part of its work, Sterling evaluates existing plans to determine whether there are shortfalls in them or in their funding. When shortfalls do exist, Sterling will recommend alternative or supplemental methods of providing more cost-efficient funding and integrate them with existing programs, when appropriate.

Once plans are implemented, Sterling administers and services the insurance component of them. This would include an annual re-evaluation of each client's objectives and an assessment of the performance of the chosen funding vehicles to determine whether changes or updates would be required. Additionally, Sterling continuously monitors changes in the economic and tax environments, as well as in the insurance industry, to help keep clients and their advisors apprised of any potential impact to their existing plans. Through advanced systems and technology, it also provides clients with comprehensive data in the form of policy audits and other reports such as Split Dollar, Section 7872 Below Market Loans, Section 162/Executive Bonus, Key Employee, and Gift Tax.

As such, Sterling is respected for its extraordinary service.

This organization is comprised of long-term, dedicated associates who are accomplished in their respective positions. Their corporate philosophy is to select the best product for the need and then provide on-going administration and impeccable service.

In summary, Sterling provides comprehensive, financial analysis for individual and business needs including:

• Goal and Needs Assessment
• Existing Plan Evaluation
• Market and Quantitative Analyses
• Product Research & Comparison
• Managed Underwriting
• Skillful Implementation
• On-going Administration
• Extraordinary Service