Sterling Futures

The firm advises individuals as well as pension plans and corporate clients, offering portfolio supervision, financial and retirement planning, estate planning, employee benefits consulting, and pension consulting. It also serves as the adviser in the SEI Asset Allocation Program, implementing mutual fund and model-based allocations for participant-directed and other accounts.

The firm’s investment process blends third‑party model allocation (SEI Funds and Private Client Models) with the direct selection of mutual funds, stocks and bonds, and uses charting, fundamental, technical and cyclical analysis. Rebalancing is automated on a quarterly schedule when model allocations exceed set tolerances (generally 2%, 3% for tax‑managed models), and most client assets are custodied and traded through SEI while the adviser conducts limited direct trading.

Noteworthy features include an affiliation with an insurance business and licensure to sell life and health products, with the brochure disclosing that insurance recommendations implemented through the affiliated channels may generate customary commissions and that approximately 10% of the adviser’s time is spent on insurance activities. The firm also provides pension consulting—developing investment procedures, investment policy statements, compliance systems and employee education—which is less common among solo independent advisers.