{
  "crd_number": 107783,
  "slug": "sterling-financial-advisors-llc-107783",
  "primary_business_name": "STERLING FINANCIAL ADVISORS, LLC",
  "legal_name": "STERLING FINANCIAL ADVISORS, LLC",
  "dbas": [
    "OMAHA WEALTH MANAGEMENT"
  ],
  "city": null,
  "state": null,
  "country": null,
  "cbsa_code": null,
  "metro": null,
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2022-08-17",
  "years_registered": 4,
  "period": "2026-10-01",
  "filing_date": "2026-03-28",
  "carried_forward": false,
  "raum_total": 144596398.0,
  "raum_discretionary": 118584030.0,
  "raum_non_discretionary": 26012368.0,
  "raum_band": "100m_500m",
  "raum_band_label": "$100 million to $500 million",
  "total_employees": 4,
  "advisory_employees": 4,
  "client_count_bucket": "fewer_than_5_in_some_types",
  "clients_by_type": {
    "charitable": {
      "raum": 1316941.0,
      "count": null,
      "fewer_than_5": true
    },
    "individuals": {
      "raum": 28738893.0,
      "count": 92
    },
    "pension_profit_sharing": {
      "raum": 11154964.0,
      "count": null,
      "fewer_than_5": true
    },
    "high_net_worth_individuals": {
      "raum": 97432891.0,
      "count": 51
    },
    "corporations_other_businesses": {
      "raum": 5952709.0,
      "count": null,
      "fewer_than_5": true
    }
  },
  "compensation_types": [
    "fixed",
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "pension_consulting",
    "portfolio_management_individuals"
  ],
  "wrap_fee_participant": true,
  "disclosure_yes_count": 0,
  "states_registered": [
    "IA",
    "MN",
    "NE"
  ],
  "websites": [
    "https://sterlingfinancialworld.com"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/107783",
  "city_as_filed": null,
  "url": "https://advisorcensus.com/firm/sterling-financial-advisors-llc-107783",
  "display_name": "Sterling Financial Advisors, LLC",
  "summary": "Sterling Financial Advisors, LLC is an SEC-registered investment advisory firm, registered since 2022, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 28, 2026.",
  "citation": "AdvisorCensus. Sterling Financial Advisors, LLC (CRD 107783): Form ADV filing data as of October 2026.",
  "registration_type_label": "SEC-registered investment adviser",
  "compensation_labels": [
    "A percentage of assets under your management",
    "Fixed fees (other than subscription fees)"
  ],
  "advisory_activity_labels": [
    "Portfolio management for individuals and/or small businesses",
    "Pension consulting services"
  ],
  "quick_answers": [
    {
      "q": "How is Sterling Financial Advisors, LLC compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), Sterling Financial Advisors, LLC reports these compensation arrangements: a percentage of assets under its management; fixed fees (other than subscription fees)."
    },
    {
      "q": "How much does Sterling Financial Advisors, LLC charge?",
      "a": "Its Form ADV Part 2A brochure dated March 28, 2026 states: Asset-based fee: 1% of assets a year. Fees can differ by service and may be negotiable; the brochure is the complete statement."
    },
    {
      "q": "Is Sterling Financial Advisors, LLC registered with the SEC or a state?",
      "a": "Sterling Financial Advisors, LLC is an SEC-registered investment advisory firm, registered since 2022. Status as filed: Approved. CRD 107783."
    },
    {
      "q": "How much does Sterling Financial Advisors, LLC manage?",
      "a": "Sterling Financial Advisors, LLC reports $144,596,398 in regulatory assets under management in its Form ADV filing dated March 28, 2026 (82% discretionary)."
    },
    {
      "q": "How have Sterling Financial Advisors, LLC's assets and staff changed since 2022?",
      "a": "In the Form ADV data for Sterling Financial Advisors, LLC: Regulatory assets under management: $109,094,639 in the October 2022 data and $144,596,398 in the October 2026 data, up 33%. Total employees: 4 in October 2022 and 4 in October 2026. Assets under management move with markets as well as with clients coming and going."
    },
    {
      "q": "What types of clients does Sterling Financial Advisors, LLC serve?",
      "a": "By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (92); high net worth individuals (51)."
    },
    {
      "q": "Which custodians does Sterling Financial Advisors, LLC use?",
      "a": "Sterling Financial Advisors, LLC's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Raymond James Financial Services, Inc. as a custodian holding 10% or more of its separately managed account assets."
    },
    {
      "q": "Does Sterling Financial Advisors, LLC report any disciplinary disclosures?",
      "a": "Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/107783"
    },
    {
      "q": "Does Sterling Financial Advisors, LLC state an account minimum?",
      "a": "Its Form ADV Part 2A brochure dated March 28, 2026 says: \"Adviser has a minimum account value of $100,000. We may waive this based on prior relationships, anticipated other assets, or at our discretion.\""
    }
  ],
  "filing_history": [
    {
      "period": "2022-10-01",
      "regulatory_assets_under_management": 109094639.0,
      "total_employees": 4,
      "filing_date": "2022-07-18"
    },
    {
      "period": "2023-10-01",
      "regulatory_assets_under_management": 95802490.0,
      "total_employees": 4,
      "filing_date": "2023-03-28"
    },
    {
      "period": "2024-10-01",
      "regulatory_assets_under_management": 123223210.0,
      "total_employees": 4,
      "filing_date": "2024-03-28"
    },
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 142982564.0,
      "total_employees": 4,
      "filing_date": "2025-03-27"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 144596398.0,
      "total_employees": 4,
      "filing_date": "2026-03-28"
    }
  ],
  "recent_changes": [],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated March 28, 2026",
    "provided_by_the_firm": false,
    "tiers": [],
    "flat_rate": "1% of assets a year",
    "stated_range": null,
    "stated_maximum": null,
    "account_minimum": "$100,000",
    "account_minimum_may_be_waived": true,
    "minimum_annual_fee": null,
    "planning_fees": [],
    "figures": [
      {
        "label": "Asset-based fee",
        "statements": [
          "Asset-based fee: 1% of assets a year"
        ],
        "quotes": [
          "We charge an annual advisory fee of 1.00% on assets. However, based on the type of assets in a client’s account, size of the account or other factors, fees charged may be less."
        ]
      },
      {
        "label": "Account minimum",
        "statements": [
          "Account minimum: $100,000 (the brochure says it may be waived or negotiated)"
        ],
        "quotes": [
          "Adviser has a minimum account value of $100,000. We may waive this based on prior relationships, anticipated other assets, or at our discretion."
        ]
      }
    ],
    "values": {
      "tiers": [
        {
          "min": null,
          "max": null,
          "rate_pct": 1.0
        }
      ],
      "range_pct": null,
      "max_pct": null,
      "account_minimum": 100000.0,
      "minimum_annual_fee": null,
      "planning": []
    },
    "quotes": [
      "We charge an annual advisory fee of 1.00% on assets. However, based on the type of assets in a client’s account, size of the account or other factors, fees charged may be less.",
      "Adviser has a minimum account value of $100,000. We may waive this based on prior relationships, anticipated other assets, or at our discretion."
    ],
    "note": "As stated in the firm's brochure; fees can differ by service and may be negotiable."
  },
  "custodians": [
    {
      "name": "Raymond James Financial Services, Inc.",
      "name_as_filed": "RAYMOND JAMES FINANCIAL SERVICES, INC.",
      "affiliated": false
    }
  ],
  "custodians_note": "Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.",
  "markdown_url": "https://advisorcensus.com/firm/sterling-financial-advisors-llc-107783.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 92,
      "fewer_than_5": false,
      "raum": 28738893.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 51,
      "fewer_than_5": false,
      "raum": 97432891.0
    },
    {
      "type": "pension_profit_sharing",
      "label": "Pension and profit sharing plans (but not the plan participants or government pension plans)",
      "count": null,
      "fewer_than_5": true,
      "raum": 11154964.0
    },
    {
      "type": "charitable",
      "label": "Charitable organizations",
      "count": null,
      "fewer_than_5": true,
      "raum": 1316941.0
    },
    {
      "type": "corporations_other_businesses",
      "label": "Corporations or other businesses not listed above",
      "count": null,
      "fewer_than_5": true,
      "raum": 5952709.0
    }
  ],
  "disclosure_line": "Reports no disclosure items on Form ADV Item 11.",
  "disclosure_items": [],
  "indexable": true,
  "suppressed": false,
  "claimed": false,
  "enhanced": false,
  "provided_by_the_firm": null,
  "source": {
    "name": "Form ADV",
    "as_of": "2026-10-01",
    "iapd_url": "https://adviserinfo.sec.gov/firm/summary/107783",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}