Sterling Investment Advisors, LLC

Sterling Investment Advisors is an SEC‑registered adviser that provides discretionary investment management to individuals, estates, trusts, charitable organizations, corporations, pension/profit‑sharing plans and an endowment, and it includes financial planning and estate‑planning tools as part of its investment management services at no additional cost. The firm also offers occasional hourly consulting to clients who do not engage its investment management services.

The firm emphasizes strategic asset allocation implemented primarily with lower‑cost index mutual funds and ETFs, and it constructs forward‑looking return estimates by blending market‑equilibrium and cash‑flow valuation approaches; portfolios are stress‑tested with Monte Carlo simulations and reviewed quarterly for rebalancing. For clients who meet the accredited investor definition, private equity and private debt may be considered, and the firm can establish separate discretionary, non‑billable accounts for liquidity needs or restricted holdings.

Notably, the firm manages about $229 million across roughly 265 client relationships with three advisors and reported an ownership change in which an advisor increased an ownership stake to 30% and is now designated a control person as of January 1, 2026. One advisor maintains a full‑time academic appointment with limited day‑to‑day involvement at the firm; SIA commonly recommends Fidelity for custody but uses an alternative trust for IRA‑held private placements, does not aggregate trades into block orders, does not charge performance‑based fees, and occasionally grants fee concessions for early clients, a large endowment client, and pro‑bono cases.