# Sterling Retirement Group of Sacramento

> 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.

- CRD: 168397
- Filed as: STERLING RETIREMENT GROUP OF SACRAMENTO
- Legal name: Sterling Retirement Group of Sacramento Inc.
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Roseville, CA
- Filing period: October 2026
- Form ADV filing dated: March 26, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/168397
- AdvisorCensus page: https://advisorcensus.com/firm/sterling-retirement-group-of-sacramento-roseville-ca-168397

## Quick answers

**How is Sterling Retirement Group of Sacramento compensated?**
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.

**What does Sterling Retirement Group of Sacramento's brochure say about its fees?**
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). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Sterling Retirement Group of Sacramento located?**
Sterling Retirement Group of Sacramento's principal office is in Roseville, CA, according to its Form ADV.

**Is Sterling Retirement Group of Sacramento registered with the SEC or a state?**
Sterling Retirement Group of Sacramento is an SEC-registered investment advisory firm, registered since 2023. Status as filed: Approved. CRD 168397.

**How much does Sterling Retirement Group of Sacramento manage?**
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).

**How have Sterling Retirement Group of Sacramento's assets and staff changed since 2023?**
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.

**What types of clients does Sterling Retirement Group of Sacramento serve?**
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).

**Which custodians does Sterling Retirement Group of Sacramento use?**
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.

**Does Sterling Retirement Group of Sacramento 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/168397

**Does Sterling Retirement Group of Sacramento state an account minimum?**
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."

**What changed in Sterling Retirement Group of Sacramento's recent Form ADV filings?**
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.

## From the Form ADV filing

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

### Fees and minimums (Form ADV Part 2A brochure dated March 26, 2026)

- Asset-based fee: 0.3% to 1.5% a year (a range, as the brochure states it)

> 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%.

- Account minimum: None

> We do not require a minimum account size or place any other restriction related to opening or maintaining an account.

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

### Custodians (Schedule D, Section 5.K(3))
- Trade-PMR Inc.

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: $253,000,000
- Discretionary: $235,000,000
- Non-discretionary: $18,000,000

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 438 | $187,000,000 |
| High net worth individuals | 65 | $48,000,000 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 12 | $18,000,000 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Selection of other advisers (including private fund managers)
- Other

### Firm details
- Registered since: 2023 (3 years)
- Employees: 4 total, 4 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: AZ, CA, ID, NV, OR, TN, TX, WA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- sterlingretire.com
- Facebook @STERLING-RETIREMENT-GROUP-OF-SACRAMENTO-1441608879489362

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2023 | $112,000,000 | 3 | May 18, 2023 |
| October 2024 | $161,000,000 | 3 | July 25, 2024 |
| October 2025 | $177,000,000 | 3 | May 7, 2025 |
| October 2026 | $253,000,000 | 4 | March 26, 2026 |

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.

## Changes in the filing (last 12 months)

### April 2026
- 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.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Sterling Retirement Group of Sacramento (CRD 168397): Form ADV filing data as of October 2026.