Your Trusted Financial Partners

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Sterling Retirement Group helps you cut through the noise so every financial move you make is the right one.

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Our Promise

We help you make the right financial decisions at the right time

Not sure what to do with your money? You’re not alone. Most people who reach out need help navigating financial decisions. What you need is someone who can look at your situation and tell you what actually makes sense. That’s what we do! Yes

Meet an Advisor

What We Do

We act as your
financial decision partner

We work alongside you to help you make the right financial moves at the right time. Every decision connects to the next. We make sure they all work together — not in isolation.

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Core Service

Financial Planning

A comprehensive plan that covers every dimension of your financial life.

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Analysis

Portfolio Review

An honest assessment of your current holdings and how they align with your goals.

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Ongoing

Wealth Management

Ongoing, proactive management of your investments and broader financial picture.

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Protection

Insurance Quote

Protecting your assets and income with the right coverage at the right cost.

How It Works

Start with a conversation

STEP 01

Intro Call

A brief call for a quick understanding of your situation. Tell us what's on your mind — no preparation needed. Just an honest conversation.

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STEP 02

Initial Meeting

We sit down and take a thorough look at your full financial picture — your accounts, your goals, your current strategy, and where the gaps might be.

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STEP 03

Next Steps

We walk you through your best next steps and make sure you feel confident before making any decisions. No pressure — just complete clarity.

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Our Approach

A Disciplined Process.
Built for Real Life.

  • Long-term investment discipline
  • Tax-aware portfolio management
  • Real-time adjustments when opportunities arise
  • Ongoing planning that adapts as your life evolves
Get to Know Us
$2B+
Assets Under Management

FAQ

Most Common Questions

The earlier you start, the more options you have — but we work with people at every stage. Whether you're 15 years out or 15 months out, we'll meet you where you are.

We'll assess your savings rate, projected income needs, Social Security timing, and investment performance to give you a clear picture of where you stand.

You generally have several options: leave it, roll it into your new plan, roll it into an IRA, or cash it out (rarely recommended). We'll help you decide.

There's no set minimum. We work with clients at various stages and will discuss fit during your initial consultation.

Testimonials

Your trusted local advisor

Leave a Review
“

After several years now of working with Mike Gebhardt with Sterling Retirement I can say I am a huge fan of what he does. Mike's track record over the past several years speaks for itself.

DF
Dan F.
Verified Client
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We have worked with Gary for years now! He's so knowledgeable and honest. He takes care of the whole family now.

JG
Jacquelyn G.
Verified Client
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I moved to Sterling after lackluster performance and little interaction from my previous advisor. Not only have the returns been better but the portfolio better reflects our risk tolerance.

AB
Alex B.
Verified Client

Schedule a Complimentary Consultation

No pressure. Just clarity. Get answers specific to your situation and walk away with a clear plan.

Reach Out 916.724.1702
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Fiduciary Standard
Legally obligated to act in your best interest at all times.
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No Commitment
Your initial consultation is completely free with zero obligation.
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Local Experts
Roseville-based advisors who understand your community.
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Always Accessible
Your advisor answers — not a call center.