{
  "crd_number": 168397,
  "slug": "sterling-retirement-group-of-sacramento-roseville-ca-168397",
  "primary_business_name": "STERLING RETIREMENT GROUP OF SACRAMENTO",
  "legal_name": "STERLING RETIREMENT GROUP OF SACRAMENTO INC.",
  "dbas": [],
  "city": "Roseville",
  "state": "CA",
  "country": "United States",
  "cbsa_code": "40900",
  "metro": {
    "cbsa_code": "40900",
    "common_name": "Sacramento",
    "msa_name": "Sacramento-Roseville-Folsom, CA",
    "path": "/advisors/ca/sacramento"
  },
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2023-05-19",
  "years_registered": 3,
  "period": "2026-10-01",
  "filing_date": "2026-03-26",
  "carried_forward": false,
  "raum_total": 253000000.0,
  "raum_discretionary": 235000000.0,
  "raum_non_discretionary": 18000000.0,
  "raum_band": "100m_500m",
  "raum_band_label": "$100 million to $500 million",
  "total_employees": 4,
  "advisory_employees": 4,
  "client_count_bucket": null,
  "clients_by_type": {
    "individuals": {
      "raum": 187000000.0,
      "count": 438
    },
    "pension_profit_sharing": {
      "raum": 18000000.0,
      "count": 12
    },
    "high_net_worth_individuals": {
      "raum": 48000000.0,
      "count": 65
    }
  },
  "compensation_types": [
    "commissions",
    "fixed",
    "hourly",
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "financial_planning",
    "other",
    "portfolio_management_individuals",
    "selection_of_other_advisers"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 0,
  "states_registered": [
    "AZ",
    "CA",
    "ID",
    "NV",
    "OR",
    "TN",
    "TX",
    "WA"
  ],
  "websites": [
    "https://facebook.com/STERLING-RETIREMENT-GROUP-OF-SACRAMENTO-1441608879489362",
    "https://sterlingretire.com"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/168397",
  "city_as_filed": "ROSEVILLE",
  "url": "https://advisorcensus.com/firm/sterling-retirement-group-of-sacramento-roseville-ca-168397",
  "display_name": "Sterling Retirement Group of Sacramento",
  "summary": "Sterling Retirement Group of Sacramento is an SEC-registered investment advisory firm in Roseville, CA, registered since 2023, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 26, 2026.",
  "citation": "AdvisorCensus. Sterling Retirement Group of Sacramento (CRD 168397): 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)",
    "Commissions"
  ],
  "advisory_activity_labels": [
    "Financial planning services",
    "Portfolio management for individuals and/or small businesses",
    "Selection of other advisers (including private fund managers)",
    "Other"
  ],
  "quick_answers": [
    {
      "q": "How is Sterling Retirement Group of Sacramento compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), Sterling Retirement Group of Sacramento reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees); commissions."
    },
    {
      "q": "How much does Sterling Retirement Group of Sacramento charge?",
      "a": "Its Form ADV Part 2A brochure dated March 26, 2026 states: Asset-based fee: 0.3% to 1.5% a year (a range, as the brochure states it); Hourly rate: $400 an hour (Consulting Financial Planning); Flat fee: $1,000 to $50,000 (Business consulting services); Hourly rate: $350 an hour (business consulting). Fees can differ by service and may be negotiable; the brochure is the complete statement."
    },
    {
      "q": "Where is Sterling Retirement Group of Sacramento located?",
      "a": "Sterling Retirement Group of Sacramento's principal office is in Roseville, CA, according to its Form ADV."
    },
    {
      "q": "Is Sterling Retirement Group of Sacramento registered with the SEC or a state?",
      "a": "Sterling Retirement Group of Sacramento is an SEC-registered investment advisory firm, registered since 2023. Status as filed: Approved. CRD 168397."
    },
    {
      "q": "How much does Sterling Retirement Group of Sacramento manage?",
      "a": "Sterling Retirement Group of Sacramento reports $253,000,000 in regulatory assets under management in its Form ADV filing dated March 26, 2026 (93% discretionary)."
    },
    {
      "q": "How have Sterling Retirement Group of Sacramento's assets and staff changed since 2023?",
      "a": "In the Form ADV data for Sterling Retirement Group of Sacramento: Regulatory assets under management: $112,000,000 in the October 2023 data and $253,000,000 in the October 2026 data, up 126%. Total employees: 3 in October 2023 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 Retirement Group of Sacramento serve?",
      "a": "By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (438); high net worth individuals (65); pension and profit sharing plans (but not the plan participants or government pension plans) (12)."
    },
    {
      "q": "Which custodians does Sterling Retirement Group of Sacramento use?",
      "a": "Sterling Retirement Group of Sacramento's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Trade-PMR Inc. as a custodian holding 10% or more of its separately managed account assets."
    },
    {
      "q": "Does Sterling Retirement Group of Sacramento 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/168397"
    },
    {
      "q": "Does Sterling Retirement Group of Sacramento state an account minimum?",
      "a": "Its Form ADV Part 2A brochure dated March 26, 2026 says: \"We do not require a minimum account size or place any other restriction related to opening or maintaining an account.\""
    },
    {
      "q": "What changed in Sterling Retirement Group of Sacramento's recent Form ADV filings?",
      "a": "In the April 2026 filing data: Employees performing advisory functions went from 3 to 4. Regulatory assets under management went from $177,000,000 to $253,000,000 (+43%). Registered or notice-filed in NV, OR."
    }
  ],
  "filing_history": [
    {
      "period": "2023-10-01",
      "regulatory_assets_under_management": 112000000.0,
      "total_employees": 3,
      "filing_date": "2023-05-18"
    },
    {
      "period": "2024-10-01",
      "regulatory_assets_under_management": 161000000.0,
      "total_employees": 3,
      "filing_date": "2024-07-25"
    },
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 177000000.0,
      "total_employees": 3,
      "filing_date": "2025-05-07"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 253000000.0,
      "total_employees": 4,
      "filing_date": "2026-03-26"
    }
  ],
  "recent_changes": [
    {
      "period": "2026-04-01",
      "period_label": "April 2026",
      "notes": [
        "Employees performing advisory functions went from 3 to 4.",
        "Regulatory assets under management went from $177,000,000 to $253,000,000 (+43%).",
        "Registered or notice-filed in NV, OR."
      ]
    }
  ],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated March 26, 2026",
    "provided_by_the_firm": false,
    "tiers": [],
    "flat_rate": null,
    "stated_range": "0.3% to 1.5% a year",
    "stated_maximum": null,
    "account_minimum": "None",
    "account_minimum_may_be_waived": false,
    "minimum_annual_fee": null,
    "planning_fees": [
      "Hourly rate: $400 an hour (Consulting Financial Planning)",
      "Flat fee: $1,000 to $50,000 (Business consulting services)",
      "Hourly rate: $350 an hour (business consulting)"
    ],
    "figures": [
      {
        "label": "Asset-based fee",
        "statements": [
          "Asset-based fee: 0.3% to 1.5% a year (a range, as the brochure states it)"
        ],
        "quotes": [
          "Fees for portfolio management services will be a percentage of the assets under management that the client pays on a quarterly basis. The quarterly fee will be calculated, accrued and due in advance based upon the annualized rate between .30% and 1.50%."
        ]
      },
      {
        "label": "Account minimum",
        "statements": [
          "Account minimum: None"
        ],
        "quotes": [
          "We do not require a minimum account size or place any other restriction related to opening or maintaining an account."
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Hourly rate: $400 an hour (Consulting Financial Planning)"
        ],
        "quotes": [
          "Our Consulting Financial Planning fee is an hour rate of $400 per hour. The number of hours will vary depending upon the complexity"
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Flat fee: $1,000 to $50,000 (Business consulting services)"
        ],
        "quotes": [
          "Business consulting services are offered at a fixed or hourly fee rate as negotiated with the client. Our fixed fee rate ranges from $1,000 to $50,000."
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Hourly rate: $350 an hour (business consulting)"
        ],
        "quotes": [
          "Our hourly rate for business consulting is $350 per hour. The number of hours will vary depending upon the complexity of the client’s business"
        ]
      }
    ],
    "values": {
      "tiers": [],
      "range_pct": [
        0.3,
        1.5
      ],
      "max_pct": null,
      "account_minimum": 0.0,
      "minimum_annual_fee": null,
      "planning": [
        {
          "kind": "hourly",
          "amount": 400.0,
          "min": null,
          "max": null,
          "period": "hour",
          "service": "Consulting Financial Planning"
        },
        {
          "kind": "flat",
          "amount": null,
          "min": 1000.0,
          "max": 50000.0,
          "period": "one_time",
          "service": "Business consulting services"
        },
        {
          "kind": "hourly",
          "amount": 350.0,
          "min": null,
          "max": null,
          "period": "hour",
          "service": "business consulting"
        }
      ]
    },
    "quotes": [
      "Fees for portfolio management services will be a percentage of the assets under management that the client pays on a quarterly basis. The quarterly fee will be calculated, accrued and due in advance based upon the annualized rate between .30% and 1.50%.",
      "We do not require a minimum account size or place any other restriction related to opening or maintaining an account.",
      "Our Consulting Financial Planning fee is an hour rate of $400 per hour. The number of hours will vary depending upon the complexity",
      "Business consulting services are offered at a fixed or hourly fee rate as negotiated with the client. Our fixed fee rate ranges from $1,000 to $50,000.",
      "Our hourly rate for business consulting is $350 per hour. The number of hours will vary depending upon the complexity of the client’s business"
    ],
    "note": "As stated in the firm's brochure; fees can differ by service and may be negotiable."
  },
  "custodians": [
    {
      "name": "Trade-PMR Inc.",
      "name_as_filed": "TRADE-PMR 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-retirement-group-of-sacramento-roseville-ca-168397.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 438,
      "fewer_than_5": false,
      "raum": 187000000.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 65,
      "fewer_than_5": false,
      "raum": 48000000.0
    },
    {
      "type": "pension_profit_sharing",
      "label": "Pension and profit sharing plans (but not the plan participants or government pension plans)",
      "count": 12,
      "fewer_than_5": false,
      "raum": 18000000.0
    }
  ],
  "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/168397",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}