Clarity
We explain the choices without hiding behind jargon.
About Sterling Pension Group
A sharper view of what your retirement plan can do.
Sterling Pension Group LLC is a West Hartford-based retirement plan consulting and third-party administration firm. We help business owners make more confident decisions about Defined Benefit and Cash Balance Plans.
A note from our CEO →Our work is intentionally focused: understand the business, explain the plan, coordinate the specialists, and stay close to the details over time.
Coordination
We connect the moving parts and keep the process moving.
Continuity
We remain close after implementation, when the real work continues.
A note on our role
The right experts, connected at the right time.
Sterling Pension Group is not an actuarial firm. We serve as a retirement plan consultant and TPA, helping you navigate the design and administration of your plan. For work that requires an Enrolled Actuary’s formal certification or valuation, we coordinate with independent actuarial professionals as part of a complete process.
In practice: you get a clear strategy, a thoughtful administrative partner, and a connected path through the professionals who support your business.
That split matters when a vendor quotes one number and calls it “the plan.” Design support, documents, census work, and filing coordination sit with Sterling. The valuation and Schedule SB sit with the independent actuary. The deduction sits with your CPA. The assets sit with the trustee or recordkeeper. See who does what and the services.
Our home base
West Hartford, Connecticut
15 N Main St #100
West Hartford, CT 06107
Serving business owners and professional practices throughout the United States from our West Hartford headquarters.
What business owners usually want to know first
Better questions lead to better retirement decisions.
Who typically considers a Defined Benefit or Cash Balance Plan?
Business owners and high-earning professionals with steady cash flow, a meaningful retirement target, and the capacity to make recurring contributions are often the best candidates to explore these strategies.
Can this sit beside a 401(k)?
Often, a Defined Benefit or Cash Balance Plan can be designed alongside an existing 401(k) arrangement. The right combination depends on your business and employee population. The layout is on 401(k) and cash balance.
Are contributions required every year?
These are structured retirement arrangements, not casual savings accounts. Contributions and funding expectations should be understood before implementation and reviewed with the appropriate professional team. A soft year is a reason to call, not a reason to skip. See after the plan exists.
What information will you need from me?
We’ll typically discuss age, compensation, business structure, employee census, current retirement plans, cash flow, and the retirement outcome you want to work toward.
The longer list is the FAQ. The estimate, which is not a quote, is the calculator.
Let’s talk
The first conversation is simple.
Tell us a little about what you’re building, what you’re saving for, and where your current plan feels limited. We’ll help you see the next step.