Sterling Investment Advisors Ltd. logo

Sterling Investment Advisors Ltd.

Updated today

Client assets under management

$1,067,812,750

Clients

436

44% high-net worth

Advisors

6

of 7 employees

Firm type

Team

4-10 advisors or $500M+ in AUM

Clients per advisor

73

Typical

Average account size

$2,449,112

About

Sterling Investment Advisors, Ltd. is a SEC‑registered, team-based investment adviser that provides discretionary portfolio management to individuals (including high‑net‑worth households), pension and profit‑sharing plans, and other entities, and also offers stand‑alone financial planning and retirement plan consulting. The firm generally charges percentage‑of‑assets fees and may include clients’ personal retirement accounts within managed portfolios when directed.

The firm develops individualized investment policies through personal discussions and implements them across mutual funds, ETFs, individual securities, independent managers, and, when appropriate, private and interval funds, with ongoing supervision and periodic reviews. Sterling expressly includes derivative‑related strategies in its toolkit — discussing options, covered‑call writing, and inverse/enhanced funds — and may provide cryptocurrency exposure via exchange‑traded or managed products when suitable for a client’s objectives.

Compared with many peer teams, Sterling publicly references third‑party ratings in its materials and makes active use of derivatives and leveraged/inverse strategies within separately managed accounts, practices that are less common among similar firms. The firm also integrates account‑aggregation platforms (eMoney and ByAllAccounts), can recommend independent managers and private funds, and has personnel who are separately registered to effect commission transactions and insurance sales, offering multiple implementation pathways beyond standard advisory arrangements.

Client services

Financial planning Portfolio management Pension consulting Selection of other advisers

Expertise

Options & derivatives strategies Private / alternative investments ESG / Sustainable investing Retirement plans for business owners (SEP, solo 401k)

Fee options

Fixed

Financial planning and consulting services typically charged on a fixed fee basis ranging from $2,000 to $20,000.

Percentage

Negotiable up to 1.00% annually (varies by client and factors such as account size, complexity, representative assigned, etc.)

Commissions

Clients may purchase commission products through registered representatives of PKS; commissions vary and may include 12b-1 trailing commissions. Commission fees not charged along with advisory fees on same products.

Project-based

Financial planning and consulting services may be charged at mutually agreed hourly rates.

Other

Fee-only: Investment advisory fees generally up to 1.00% annually, financial planning fixed fees from $2,000 to $20,000, or hourly rates mutually agreed upon.

Main office location

Sterling Investment Advisors Ltd.

1055 Westlakes Drive, Suite 150

Berwyn PA 19312, United States

Number of offices

2

Most active in

California · Connecticut · Delaware · Florida · Georgia · Maryland · Massachusetts · New Hampshire · New Jersey · New York · Pennsylvania · Texas · Virginia

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Advisors at this firm

user avatar

Timothy F

ChFC®, Series 63, Series 65

Naples, FL

Sterling Investment Advisors Ltd.

Timothy Flatley is a financial advisor at Sterling Investment Advisors Ltd. with 42 years of industry experience. He holds the ChFC® designation and has worked at Sterling Investment Advisors Ltd. since 2000, as well as at Purshe Kaplan Sterling Investments and IFG Russell Advisors Inc. He is involved in angel investing through groups such as Broad Street Angels and serves as a board observer for ChargeItSpot. Sterling Investment Advisors, Ltd. manages discretionary portfolios and provides retirement plan consulting and financial planning to individuals, pension and profit-sharing plans, charitable organizations, and businesses. The firm manages approximately $961 million in assets and employs a diversified investment approach that includes equities, fixed income, mutual funds, ETFs, independent managers, private and interval funds, derivatives, and, when appropriate, cryptocurrency exposure.

Options & derivatives strategies Private / alternative investments ESG / Sustainable investing Retirement plans for business owners (SEP, solo 401k)
user avatar

Gabriel F

Series 65

Berwyn, PA

Sterling Investment Advisors Ltd.

Gabriel Fairorth is a financial advisor at Sterling Investment Advisors Ltd. with four years of industry experience. He holds a Series 65 designation and has been with Sterling since 2021. Outside of his advisory role, he assists with club activities at Waynesborough Country Club. Sterling Investment Advisors, Ltd. manages approximately $961 million in discretionary assets for individuals, pension and profit-sharing plans, charitable organizations, and business entities. The firm employs a diverse investment approach that includes equities, fixed income, mutual funds, ETFs, independent managers, private and interval funds, and derivatives strategies, with a focus on developing personalized investment policies through client discussions.

Options & derivatives strategies Private / alternative investments ESG / Sustainable investing Retirement plans for business owners (SEP, solo 401k)
user avatar

Matthew C

Series 63, Series 65

Berwyn, PA

Sterling Investment Advisors Ltd.

Matthew Croley is a financial advisor with Sterling Investment Advisors Ltd. in Berwyn, PA, holding Series 63 and Series 65 licenses and possessing 22 years of industry experience. He has been with Sterling Investment Advisors since 2007 and also worked at Purshe Kaplan Sterling Investments from 2011. Croley is a licensed independent insurance agent and serves as a notary public, primarily notarizing documents for his firm’s clients. Sterling Investment Advisors, Ltd. manages nearly $1 billion in discretionary assets for individuals, pension plans, charitable organizations, and businesses. The firm employs a diverse investment approach that includes equities, fixed income, mutual funds, ETFs, derivatives, and alternative vehicles such as interval and private funds, tailoring portfolios through client discussions and ongoing supervision.

Options & derivatives strategies Private / alternative investments ESG / Sustainable investing Retirement plans for business owners (SEP, solo 401k)
user avatar

Bray H

CFP®, ChFC®, Series 63, Series 65

Berwyn, PA

Sterling Investment Advisors Ltd.

Bray Hansel is a CFP® and ChFC® with nine years of industry experience, currently serving as a financial advisor at Sterling Investment Advisors Ltd. since 2017. Prior to joining Sterling, he worked at Radnor Financial Advisors for one year. Outside of his advisory role, Hansel coaches girls' soccer teams at Penn Fusion Soccer Academy. Sterling Investment Advisors Ltd. manages nearly $1 billion in discretionary assets for individuals, including high-net-worth clients, pension plans, charitable organizations, and businesses. The firm employs a diverse investment approach that includes equities, fixed income, mutual funds, ETFs, derivatives, and alternative vehicles such as private and interval funds, tailoring portfolios through client-driven investment policies.

Options & derivatives strategies Private / alternative investments ESG / Sustainable investing Retirement plans for business owners (SEP, solo 401k)
user avatar

Sean F

CFP®, Series 66

Berwyn, PA

Sterling Investment Advisors Ltd.

Sean Flatley is a CFP® and holds a Series 66 license, with 26 years of industry experience. He has been with Sterling Investment Advisors Ltd. since 2000 and also worked at Purshe Kaplan Sterling Investments from 2011. Outside of his advisory work, he is a musician and serves as chairman of a networking group within the Irish American Business Chamber & Network. Sterling Investment Advisors, Ltd. provides discretionary portfolio management, retirement plan consulting, and financial planning to individuals, pension plans, charitable organizations, and business entities. The firm manages nearly $1 billion in assets and employs a range of investment vehicles including equities, fixed income, mutual funds, ETFs, derivatives, and cryptocurrency-related products.

Options & derivatives strategies Private / alternative investments ESG / Sustainable investing Retirement plans for business owners (SEP, solo 401k)
user avatar

David N

Series 65, Series 66

Berwyn, PA

Sterling Investment Advisors Ltd.

David Newcomb is a financial advisor with Sterling Investment Advisors Ltd. in Berwyn, PA, holding Series 65 and Series 66 licenses and bringing 24 years of industry experience. He has worked at Sterling Investment Advisors Ltd. since 2006 and at Purshe Kaplan Sterling Investments since 2011. Outside of his advisory work, he serves as a member of the Board of Elders at Christ Community Church. Sterling Investment Advisors Ltd. provides discretionary portfolio management, retirement plan consulting, and financial planning to individuals, pension plans, charitable organizations, and businesses. The firm manages nearly $1 billion in assets and employs a range of investment strategies, including the use of derivatives and cryptocurrency exposure where appropriate.

Options & derivatives strategies Private / alternative investments ESG / Sustainable investing Retirement plans for business owners (SEP, solo 401k)
Warmer team member

Not sure where to start?

We'll help you think it through – whether you ultimately need an advisor or not.

Call (201) 292-4557

Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.

Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.

For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.

By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev

© 2026 Warmer Holdings Inc. ("Warmer")