What We Do

“Complete elimination of risk is impossible – we greatly reduce it through proper asset allocation, position-sizing, and sound investment principles.”

Tailor-Made Wealth Management Services

Building a comprehensive overview of one’s finances can be an overwhelming task. Our team works closely with you to bring sophisticated simplicity to the complex integration of financial planning and capital management.

Customized Portfolio Management:

We design and manage investment portfolios that help our clients navigate ever-changing market environments and unanticipated threats that will impact their long-term wealth.

Effective and successful long-term portfolio management strategies require a detailed understanding of the intricate balance among Financial Planning principals, a well articulated individualized Investment Policy Statement, and the experience to integrate these goals and objectives into a proven, disciplined Capital Management Process.

Financial Planning:

We listen carefully. Our mission is to know the critical nuances that are important to each of our client relationships.

Our integrated planning approach incorporates long-term wealth management goals delineating specific minimum return requirements with each client’s unique risk profile. Importantly, these goals are defined under the prism of tax advantaged investing.

Throughout the process, Sterling collaborates closely with your trusted partners such as your accountant, estate planning attorney, and other professionals to ensure your financial needs are structured logically and your goals and objectives remain on track.

Tailored Investment Policy Statement:

Every relationship has their own unique measures of success. An integral aspect of our portfolio management services is the derivation of a detailed Investment Policy Statement (IPS). After initial meetings and information gathering sessions, Sterling creates a customized IPS that defines the methodology our firm will follow to meet our client’s goals.

Importantly, a comprehensive IPS both specifies investment return and risk objectives and clarifies potential limitations within each relationship’s financial constraints such as: current liquidity needs, periodic cash flow requirements, present and future tax considerations, generational considerations, among other unique aspects.


Capital markets are cyclical. What good is a financial plan if the financial market assumptions used to create it are inaccurate? Our experience and knowledge of the capital markets are crucial in allowing us to estimate long-term expected returns and assess potential market volatility.

To assure our clients remain on track, Sterling develops a series of client-specific investment benchmarks to monitor and measure the long-term progress of each client’s investment capital. We establish a framework to measure specific asset class objectives and report both absolute and relative investment performance compared to appropriate benchmarks.

Fees and Expenses:

Creating and maintaining wealth requires the ability to generate appropriate risk-adjusted total returns and eliminate the multitude of fixed and variable costs associated with the typical wealth management process.

Sterling’s portfolios are composed of individual securities which are not only extremely tax-efficient within each portfolio, but also eliminates the unnecessary layers of fees and expenses hidden throughout the financial services industry.

We have a transparent and simple investment management fee based solely on the amount of assets we manage directly. Our fees are straightforward because we perform all aspects of our investment process in-house: management, research, and securities trading.

The vast majority of financial advisors create the illusion of providing investment expertise by offering a wide assortment of outdated financial management styles and investment programs. Most advisors not only assess their own management fee but also delegate their investment responsibilities to outside money management firms, mutual funds, or exchange traded funds (ETFs). Multiple financial managers and outside products not only eliminate the critical ability to coordinate risk management needs when they are required, but also hide a multitude of layers of fees and expenses that are paid directly from investor’s capital.

Additional Services

Cash Flow Planning

Retirement Planning

Risk Management

Philanthropic Planning

Tax Planning

Asset Protection

Estate Planning

College Planning