{
  "crd_number": 284218,
  "slug": "sterling-manor-financial-llc-saratoga-springs-ny-284218",
  "primary_business_name": "STERLING MANOR FINANCIAL, LLC",
  "legal_name": "STERLING MANOR FINANCIAL, LLC",
  "dbas": [],
  "city": "Saratoga Springs",
  "state": "NY",
  "country": "United States",
  "cbsa_code": "10580",
  "metro": {
    "cbsa_code": "10580",
    "common_name": "Albany",
    "msa_name": "Albany-Schenectady-Troy, NY",
    "path": "/advisors/ny/albany"
  },
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2016-06-24",
  "years_registered": 10,
  "period": "2026-10-01",
  "filing_date": "2026-05-11",
  "carried_forward": false,
  "raum_total": 201005892.0,
  "raum_discretionary": 199573669.0,
  "raum_non_discretionary": 1432223.0,
  "raum_band": "100m_500m",
  "raum_band_label": "$100 million to $500 million",
  "total_employees": 3,
  "advisory_employees": 3,
  "client_count_bucket": "fewer_than_5_in_some_types",
  "clients_by_type": {
    "other": {
      "raum": 0.0,
      "count": 0
    },
    "charitable": {
      "raum": 919505.0,
      "count": 1,
      "fewer_than_5": true
    },
    "individuals": {
      "raum": 94059673.0,
      "count": 339
    },
    "banking_thrift": {
      "raum": 0.0,
      "count": 0
    },
    "state_municipal": {
      "raum": 0.0,
      "count": 0
    },
    "insurance_companies": {
      "raum": 0.0,
      "count": 0
    },
    "investment_companies": {
      "raum": 0.0,
      "count": 0
    },
    "pension_profit_sharing": {
      "raum": 799939.0,
      "count": 1,
      "fewer_than_5": true
    },
    "other_investment_advisers": {
      "raum": 0.0,
      "count": 0
    },
    "high_net_worth_individuals": {
      "raum": 105226775.0,
      "count": 54
    },
    "pooled_investment_vehicles": {
      "raum": 0.0,
      "count": 0
    },
    "corporations_other_businesses": {
      "raum": 0.0,
      "count": 0
    },
    "business_development_companies": {
      "raum": 0.0,
      "count": 0
    },
    "sovereign_wealth_foreign_official": {
      "raum": 0.0,
      "count": 0
    }
  },
  "compensation_types": [
    "fixed",
    "hourly",
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "financial_planning",
    "portfolio_management_individuals"
  ],
  "wrap_fee_participant": true,
  "disclosure_yes_count": 0,
  "states_registered": [
    "FL",
    "NY",
    "TX"
  ],
  "websites": [
    "https://facebook.com/STERLING-MANOR-FINANCIAL-485763278126855",
    "https://sterlingmanorfinancial.com",
    "https://twitter.com/STERLINGMANOR"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/284218",
  "city_as_filed": "SARATOGA SPRINGS",
  "url": "https://advisorcensus.com/firm/sterling-manor-financial-llc-saratoga-springs-ny-284218",
  "display_name": "Sterling Manor Financial, LLC",
  "summary": "Sterling Manor Financial, LLC is an SEC-registered investment advisory firm in Saratoga Springs, NY, registered since 2016, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated May 11, 2026.",
  "citation": "AdvisorCensus. Sterling Manor Financial, LLC (CRD 284218): Form ADV filing data as of October 2026.",
  "registration_type_label": "SEC-registered investment adviser",
  "compensation_labels": [
    "A percentage of assets under your management",
    "Hourly charges",
    "Fixed fees (other than subscription fees)"
  ],
  "advisory_activity_labels": [
    "Financial planning services",
    "Portfolio management for individuals and/or small businesses"
  ],
  "quick_answers": [
    {
      "q": "How is Sterling Manor Financial, LLC compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), Sterling Manor Financial, LLC reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees)."
    },
    {
      "q": "How much does Sterling Manor Financial, LLC charge?",
      "a": "Its Form ADV Part 2A brochure dated May 11, 2026 states: Asset-based fee: up to 2% of assets a year (the maximum the brochure states); Flat fee: $250 to $2,000 (creating client financial plans). Fees can differ by service and may be negotiable; the brochure is the complete statement."
    },
    {
      "q": "Where is Sterling Manor Financial, LLC located?",
      "a": "Sterling Manor Financial, LLC's principal office is in Saratoga Springs, NY, according to its Form ADV."
    },
    {
      "q": "Is Sterling Manor Financial, LLC registered with the SEC or a state?",
      "a": "Sterling Manor Financial, LLC is an SEC-registered investment advisory firm, registered since 2016. Status as filed: Approved. CRD 284218."
    },
    {
      "q": "How much does Sterling Manor Financial, LLC manage?",
      "a": "Sterling Manor Financial, LLC reports $201,005,892 in regulatory assets under management in its Form ADV filing dated May 11, 2026 (99% discretionary)."
    },
    {
      "q": "How have Sterling Manor Financial, LLC's assets and staff changed since 2021?",
      "a": "In the Form ADV data for Sterling Manor Financial, LLC: Regulatory assets under management: $141,607,000 in the October 2021 data and $201,005,892 in the October 2026 data, up 42%. Total employees: 4 in October 2021 and 3 in October 2026. Assets under management move with markets as well as with clients coming and going."
    },
    {
      "q": "What types of clients does Sterling Manor Financial, LLC serve?",
      "a": "By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (339); high net worth individuals (54); pension and profit sharing plans (but not the plan participants or government pension plans) (1)."
    },
    {
      "q": "Which custodians does Sterling Manor Financial, LLC use?",
      "a": "Sterling Manor Financial, LLC's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets."
    },
    {
      "q": "Does Sterling Manor Financial, 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/284218"
    },
    {
      "q": "Does Sterling Manor Financial, LLC state an account minimum?",
      "a": "Its Form ADV Part 2A brochure dated May 11, 2026 says: \"There is no account minimum for any of SMF’s services.\""
    },
    {
      "q": "What changed in Sterling Manor Financial, LLC's recent Form ADV filings?",
      "a": "In the March 2026 filing data: Regulatory assets under management went from $171,200,000 to $201,000,000 (+17%)."
    }
  ],
  "filing_history": [
    {
      "period": "2021-10-01",
      "regulatory_assets_under_management": 141607000.0,
      "total_employees": 4,
      "filing_date": "2021-03-13"
    },
    {
      "period": "2022-10-01",
      "regulatory_assets_under_management": 163800000.0,
      "total_employees": 4,
      "filing_date": "2022-03-11"
    },
    {
      "period": "2023-10-01",
      "regulatory_assets_under_management": 151538000.0,
      "total_employees": 3,
      "filing_date": "2023-09-08"
    },
    {
      "period": "2024-10-01",
      "regulatory_assets_under_management": 160086000.0,
      "total_employees": 3,
      "filing_date": "2024-02-23"
    },
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 171200000.0,
      "total_employees": 3,
      "filing_date": "2025-03-14"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 201005892.0,
      "total_employees": 3,
      "filing_date": "2026-05-11"
    }
  ],
  "recent_changes": [
    {
      "period": "2026-03-01",
      "period_label": "March 2026",
      "notes": [
        "Regulatory assets under management went from $171,200,000 to $201,000,000 (+17%)."
      ]
    }
  ],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated May 11, 2026",
    "provided_by_the_firm": false,
    "tiers": [],
    "flat_rate": null,
    "stated_range": null,
    "stated_maximum": "2% of assets a year",
    "account_minimum": "None",
    "account_minimum_may_be_waived": false,
    "minimum_annual_fee": null,
    "planning_fees": [
      "Flat fee: $250 to $2,000 (creating client financial plans)"
    ],
    "figures": [
      {
        "label": "Asset-based fee",
        "statements": [
          "Asset-based fee: up to 2% of assets a year (the maximum the brochure states)"
        ],
        "quotes": [
          "Total Assets Under Management Annual Fees All Assets Up to 2.00%",
          "The fixed rate for creating client financial plans is between $250 and $2,000.",
          "The hourly fee for these services is between $75 and $250.",
          "These fees are generally negotiable and the final fee schedule is attached as Exhibit II of the Investment Advisory Contract."
        ]
      },
      {
        "label": "Account minimum",
        "statements": [
          "Account minimum: None"
        ],
        "quotes": [
          "There is no account minimum for any of SMF’s services."
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Flat fee: $250 to $2,000 (creating client financial plans)"
        ],
        "quotes": [
          "Fixed Fees: The fixed rate for creating client financial plans is between $250 and $2,000."
        ]
      }
    ],
    "values": {
      "tiers": [],
      "range_pct": null,
      "max_pct": 2.0,
      "account_minimum": 0.0,
      "minimum_annual_fee": null,
      "planning": [
        {
          "kind": "flat",
          "amount": null,
          "min": 250.0,
          "max": 2000.0,
          "period": "one_time",
          "service": "creating client financial plans"
        }
      ]
    },
    "quotes": [
      "Total Assets Under Management Annual Fees All Assets Up to 2.00%",
      "The fixed rate for creating client financial plans is between $250 and $2,000.",
      "The hourly fee for these services is between $75 and $250.",
      "These fees are generally negotiable and the final fee schedule is attached as Exhibit II of the Investment Advisory Contract.",
      "There is no account minimum for any of SMF’s services.",
      "Fixed Fees: The fixed rate for creating client financial plans is between $250 and $2,000."
    ],
    "note": "As stated in the firm's brochure; fees can differ by service and may be negotiable."
  },
  "custodians": [
    {
      "name": "Charles Schwab & Co., Inc.",
      "name_as_filed": "CHARLES SCHWAB & CO., 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-manor-financial-llc-saratoga-springs-ny-284218.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 339,
      "fewer_than_5": false,
      "raum": 94059673.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 54,
      "fewer_than_5": false,
      "raum": 105226775.0
    },
    {
      "type": "banking_thrift",
      "label": "Banking or thrift institutions",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "investment_companies",
      "label": "Investment companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "business_development_companies",
      "label": "Business development companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "pooled_investment_vehicles",
      "label": "Pooled investment vehicles (other than investment companies and business development companies)",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "pension_profit_sharing",
      "label": "Pension and profit sharing plans (but not the plan participants or government pension plans)",
      "count": 1,
      "fewer_than_5": true,
      "raum": 799939.0
    },
    {
      "type": "charitable",
      "label": "Charitable organizations",
      "count": 1,
      "fewer_than_5": true,
      "raum": 919505.0
    },
    {
      "type": "state_municipal",
      "label": "State or municipal government entities (including government pension plans)",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "other_investment_advisers",
      "label": "Other investment advisers",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "insurance_companies",
      "label": "Insurance companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "sovereign_wealth_foreign_official",
      "label": "Sovereign wealth funds and foreign official institutions",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "corporations_other_businesses",
      "label": "Corporations or other businesses not listed above",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "other",
      "label": "Other",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    }
  ],
  "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/284218",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}