Steady guidance for the decisions that matter most.
Sterling & Hale delivers insurance, financial, and legal advisory with the rigor of a compliance team and the clarity of a trusted partner. No jargon, no surprises — just sound counsel.
- 0+
- Years in Practice
- 0+
- Clients Advised
- $0B
- Assets Under Guidance
Recognized & regulated by
What we do
One advisory team, 4 disciplines.
We pair specialists across every discipline below so your decisions are evaluated from every angle — not in isolated silos.
Insurance Advisory
Personal and commercial coverage reviews that close gaps before they cost you — life, property, liability, and key-person policies.
Financial Planning
Retirement, estate, and wealth strategies built around your timeline, tax exposure, and risk tolerance — not a generic model portfolio.
Legal Counsel
Contract review, business formation, and compliance support from attorneys who explain the 'why,' not just the fine print.
Risk & Compliance
Audit-ready documentation and regulatory monitoring so your business stays ahead of changing requirements, not scrambling to catch up.
How it works
A straightforward path to working together.
- 130 min
Discovery call
A no-obligation conversation about your situation, timeline, and what success looks like.
- 2Within 48 h
Written proposal
A clear scope and fee schedule before any work begins — no surprise invoices.
- 3Quarterly
Ongoing advisory
Ongoing reviews and check-ins as your needs, regulations, and markets change.
Who we are
Built on accountability, not sales quotas.
Sterling & Hale was founded in 1998 on a simple premise: clients deserve advisors who are fiduciaries first. Every recommendation we make is documented, every policy we place is reviewed annually, and every engagement starts with a written scope — so you always know what you're paying for and why.
Today our team of licensed advisors, certified planners, and practicing attorneys serves individuals, families, and businesses across the region, with a retention rate above 95%.
Margaret Hale
Founding Partner, Financial Planning
David Sterling
Founding Partner, Legal Counsel
Renee Okafor
Director of Insurance Advisory
Our values
How we show up for every client.
Fiduciary first
Every recommendation is documented and legally required to be in your best interest — not ours.
Transparent pricing
You receive a written fee schedule before any work begins. No retainers, no hidden charges.
One point of contact
Your lead advisor coordinates across insurance, finance, and legal so nothing falls through the cracks.
Documented always
Every policy we place and every recommendation we make is documented and reviewed annually.
Client stories
What clients say about working with us.
They walked us through every option in plain English and never once pushed a product we didn't need.
Carolyn M.
Financial Planning client
Our commercial policy had gaps we didn't know existed. Sterling & Hale caught them before a claim ever came up.
James R.
Business owner, Insurance Advisory client
Responsive, documented, and genuinely fiduciary. Exactly what you want from a legal and compliance partner.
Priya S.
Legal Counsel client
Common questions
Frequently asked questions
Fees depend on the engagement — flat-fee for one-time reviews, hourly for legal work, and a percentage of assets under management for ongoing financial planning. You'll receive a written fee schedule before any work begins.
Get in touch
Let's talk about what you need.
Tell us a bit about your situation and which service fits best. An advisor will follow up within two business days — no obligation, no pressure.