Sterling Wealth Management, Inc.

Sterling Wealth Management provides advisory services to individuals, families, trusts, estates, charitable organizations, business entities, and certain qualified retirement plans. Services are offered through two primary programs—Wealth Management and Asset Management—and include investment consulting, asset management, financial planning, relationship management, and concierge services.

The firm follows an evidence-based, fundamentally informed investment philosophy that emphasizes long-term, globally diversified asset allocation and cost minimization, using mutual funds and ETFs as portfolio building blocks. Sterling typically manages discretionary accounts, conducts an initial discovery process and ongoing reviews, and also offers non‑discretionary financial consulting on an hourly or project basis.

Notable features that distinguish Sterling from many peers include its use of Standing Letters of Authorization (SLOAs) for client-directed third‑party transfers (subject to the SEC no‑action criteria) and its practice of being fee‑only while being deemed to have custody solely for fee‑billing purposes. The firm also discloses that it pays ongoing referral fees to outside solicitors and that it does not vote client proxies, which are left to clients to handle.