Resources & Insights
Practical guidance from our advisors.
Plain-language articles on insurance, financial planning, and legal matters — written by the advisors at Sterling & Hale.
Financial Planning7 min read
Retirement Planning in Your 40s: What to Do Now
Your 40s are the decade where retirement shifts from abstract to real. The decisions you make now — contribution rates, asset allocation, tax strategy — have an outsized impact on what your retirement actually looks like.
May 29, 2026
Margaret Hale · CFP®
Legal Counsel5 min read
Why Every Small Business Needs an Operating Agreement
An LLC without an operating agreement is governed by your state's default rules — which were written for no one in particular. Here's what goes wrong without one and what a good agreement actually covers.
May 7, 2026
David Sterling · J.D.
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