# Sterling Investment Advisors,llc

> Sterling Investment Advisors,llc is an SEC-registered investment advisory firm in Bolivar, MO, registered since 2005, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 5, 2026.

- CRD: 117287
- Filed as: STERLING INVESTMENT ADVISORS,LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Bolivar, MO
- Filing period: October 2026
- Form ADV filing dated: March 5, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/117287
- AdvisorCensus page: https://advisorcensus.com/firm/sterling-investment-advisors-llc-bolivar-mo-117287

## Quick answers

**How is Sterling Investment Advisors,llc compensated?**
On its Form ADV (Item 5.E, October 2026), Sterling Investment Advisors,llc reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).

**How much does Sterling Investment Advisors,llc charge?**
Its Form ADV Part 2A brochure dated March 5, 2026 states: Hourly rate: $200 an hour (financial planning service). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Sterling Investment Advisors,llc located?**
Sterling Investment Advisors,llc's principal office is in Bolivar, MO, according to its Form ADV.

**Is Sterling Investment Advisors,llc registered with the SEC or a state?**
Sterling Investment Advisors,llc is an SEC-registered investment advisory firm, registered since 2005. Status as filed: Approved. CRD 117287.

**How much does Sterling Investment Advisors,llc manage?**
Sterling Investment Advisors,llc reports $229,251,945 in regulatory assets under management in its Form ADV filing dated March 5, 2026 (100% discretionary).

**How have Sterling Investment Advisors,llc's assets and staff changed since 2021?**
In the Form ADV data for Sterling Investment Advisors,llc: Regulatory assets under management: $168,009,449 in the October 2021 data and $229,251,945 in the October 2026 data, up 36%. Total employees: 4 in October 2021 and 5 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Sterling Investment Advisors,llc serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (215); high net worth individuals (50); charitable organizations (3).

**Which custodians does Sterling Investment Advisors,llc use?**
Sterling Investment Advisors,llc's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists National Financial Services LLC as a custodian holding 10% or more of its separately managed account assets.

**Does Sterling Investment Advisors,llc report any disciplinary disclosures?**
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/117287

**Does Sterling Investment Advisors,llc state an account minimum?**
Its Form ADV Part 2A brochure dated March 5, 2026 says: "The guideline minimum asset size to begin an advisory relationship is $250,000. This minimum is a guideline and may be modified on a case by case basis."

**What changed in Sterling Investment Advisors,llc's recent Form ADV filings?**
In the April 2026 filing data: Regulatory assets under management went from $192,265,545 to $229,251,945 (+19%). Updated its list of owners and control persons (Schedule A).

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated March 5, 2026)

- Account minimum: $250,000

> The guideline minimum asset size to begin an advisory relationship is $250,000. This minimum is a guideline and may be modified on a case by case basis.

- Hourly rate: $200 an hour (financial planning service)

> Per-hour financial planning service fees are assessed at a rate of $200 per hour.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- National Financial Services LLC

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.

### Regulatory assets under management (Item 5.F)
- Total: $229,251,945
- Discretionary: $229,251,945
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 215 | $62,066,526 |
| High net worth individuals | 50 | $133,142,303 |
| Banking or thrift institutions | 0 | Not reported |
| Investment companies | 0 | Not reported |
| Business development companies | 0 | Not reported |
| Pooled investment vehicles (other than investment companies and business development companies) | 0 | Not reported |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 0 | Not reported |
| Charitable organizations | 3 | $34,042,786 |
| State or municipal government entities (including government pension plans) | 0 | Not reported |
| Other investment advisers | 0 | Not reported |
| Insurance companies | 0 | Not reported |
| Sovereign wealth funds and foreign official institutions | 0 | Not reported |
| Corporations or other businesses not listed above | 1 | $330 |
| Other | 0 | Not reported |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Portfolio management for businesses (other than small businesses) or institutional clients

### Firm details
- Registered since: 2005 (21 years)
- Employees: 5 total, 3 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: MO, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- [investwithsterling.com](https://investwithsterling.com)

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $168,009,449 | 4 | January 29, 2021 |
| October 2022 | $195,697,798 | 4 | April 14, 2022 |
| October 2023 | $159,779,557 | 6 | March 22, 2023 |
| October 2024 | $180,157,026 | 6 | March 1, 2024 |
| October 2025 | $192,265,545 | 5 | January 31, 2025 |
| October 2026 | $229,251,945 | 5 | March 5, 2026 |

Regulatory assets under management: $168,009,449 in the October 2021 data and $229,251,945 in the October 2026 data, up 36%.
Total employees: 4 in October 2021 and 5 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Regulatory assets under management went from $192,265,545 to $229,251,945 (+19%).
- Updated its list of owners and control persons (Schedule A).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Sterling Investment Advisors,llc (CRD 117287): Form ADV filing data as of October 2026.