Group Benefits & 401(k)

Is your company’s benefits package helping your business—and your people—thrive?

Attracting and retaining talent is about more than a paycheck. Sterling Total Wealth Solutions helps business owners design, implement, and manage group benefits and retirement plans that support your team’s goals and your company’s future.

Protecting Your Team—Empowering Your Business

Group Benefits Solutions That Grow With You

Your business is constantly evolving, and so are the needs of your employees. We create benefits and retirement programs that adapt through company growth, ownership changes, and new regulations—helping you build a stronger, more resilient team.

  • 401(k) & Retirement Plan Setup
    Guidance on choosing, setting up, and maintaining retirement plans tailored to your business size and employee needs.
  • Plan Review & Cost Optimization
    Regular assessment of existing benefits and retirement plans to reduce costs, improve participation, and ensure compliance.
  • Employee Education & Enrollment Support
    Onsite or virtual education sessions so your team truly understands and values their benefits.
  • Business Owner Planning
    Specialized strategies for owners—integrating business and personal financial planning, succession, and exit strategies.
  • Group Health, Dental & Life Insurance Coordination
    Help evaluating, selecting, and coordinating group insurance policies, so your employees are protected and your business stays competitive.
  • Ongoing Compliance & Fiduciary Guidance
    Support with ERISA rules, fiduciary responsibilities, and regulatory changes—so you stay ahead of the curve.
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More Than Plans—A Trusted Partner for Your Business and Team

Why Sterling for Group Benefits & Retirement Plans?

At Sterling Total Wealth Solutions, we understand business owners because we are business owners. We face the same decisions, responsibilities, and pressures you do. In addition, Michael’s former experience as a CFO and financial leader for several Houston-based companies means he has sat in your seat — managing budgets, overseeing benefits, balancing employee needs, and protecting the company’s future.



We combine real-world executive experience with fiduciary guidance to design benefits programs that are practical, competitive, and aligned with both your business goals and your personal financial plan. This isn’t theoretical advice — it’s informed by firsthand leadership experience.

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Business Benefits—Your Questions, Clearly Answered

Frequently Asked Questions About Group Benefits

  • What types of businesses do you work with?

    We work with companies of all sizes, from family-owned businesses to larger firms, tailoring group benefits and retirement plans to each unique workforce.

  • Can you help upgrade our current retirement or health plans?

    Absolutely. We review existing benefits for cost, participation, and compliance, and recommend updates to better fit your goals and your employees’ needs.

  • What’s involved in setting up a new 401(k) plan?

    We guide you through every step—from plan design and provider selection to employee education and ongoing management—making the process smooth and compliant.

  • How do you help business owners coordinate benefits with their own financial plans?

    We integrate your company’s benefits with your personal retirement, succession, and exit planning, so both your business and personal financial future are aligned.