{
  "crd_number": 131304,
  "slug": "sterling-wealth-management-inc-champaign-il-131304",
  "primary_business_name": "STERLING WEALTH MANAGEMENT, INC.",
  "legal_name": "STERLING WEALTH MANAGEMENT, INC.",
  "dbas": [],
  "city": "Champaign",
  "state": "IL",
  "country": "United States",
  "cbsa_code": "16580",
  "metro": {
    "cbsa_code": "16580",
    "common_name": "Champaign",
    "msa_name": "Champaign-Urbana, IL",
    "path": "/advisors/il/champaign"
  },
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2018-04-26",
  "years_registered": 8,
  "period": "2026-10-01",
  "filing_date": "2026-03-26",
  "carried_forward": false,
  "raum_total": 494582785.0,
  "raum_discretionary": 494582785.0,
  "raum_non_discretionary": 0.0,
  "raum_band": "100m_500m",
  "raum_band_label": "$100 million to $500 million",
  "total_employees": 7,
  "advisory_employees": 7,
  "client_count_bucket": null,
  "clients_by_type": {
    "charitable": {
      "raum": 32854575.0,
      "count": 3
    },
    "individuals": {
      "raum": 34674318.0,
      "count": 103
    },
    "high_net_worth_individuals": {
      "raum": 409066654.0,
      "count": 131
    },
    "corporations_other_businesses": {
      "raum": 17987238.0,
      "count": 3
    }
  },
  "compensation_types": [
    "fixed",
    "hourly",
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "financial_planning",
    "portfolio_management_businesses_institutional",
    "portfolio_management_individuals",
    "selection_of_other_advisers"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 0,
  "states_registered": [
    "CA",
    "CO",
    "IL",
    "MI",
    "TX"
  ],
  "websites": [
    "https://facebook.com/sterlingwealthmgmt",
    "https://instagram.com/sterling_wealth",
    "https://sterlingwealthmanagement.com"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/131304",
  "city_as_filed": "CHAMPAIGN",
  "url": "https://advisorcensus.com/firm/sterling-wealth-management-inc-champaign-il-131304",
  "display_name": "Sterling Wealth Management, Inc.",
  "summary": "Sterling Wealth Management, Inc. is an SEC-registered investment advisory firm in Champaign, IL, registered since 2018, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 26, 2026.",
  "citation": "AdvisorCensus. Sterling Wealth Management, Inc. (CRD 131304): 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",
    "Portfolio management for businesses (other than small businesses) or institutional clients",
    "Selection of other advisers (including private fund managers)"
  ],
  "quick_answers": [
    {
      "q": "How is Sterling Wealth Management, Inc. compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), Sterling Wealth Management, Inc. reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees)."
    },
    {
      "q": "How much does Sterling Wealth Management, Inc. charge?",
      "a": "Its Form ADV Part 2A brochure dated March 26, 2026 states: Hourly rate: $250 an hour (Financial Consulting for a Certified Financial Planner professional). Fees can differ by service and may be negotiable; the brochure is the complete statement."
    },
    {
      "q": "Where is Sterling Wealth Management, Inc. located?",
      "a": "Sterling Wealth Management, Inc.'s principal office is in Champaign, IL, according to its Form ADV."
    },
    {
      "q": "Is Sterling Wealth Management, Inc. registered with the SEC or a state?",
      "a": "Sterling Wealth Management, Inc. is an SEC-registered investment advisory firm, registered since 2018. Status as filed: Approved. CRD 131304."
    },
    {
      "q": "How much does Sterling Wealth Management, Inc. manage?",
      "a": "Sterling Wealth Management, Inc. reports $494,582,785 in regulatory assets under management in its Form ADV filing dated March 26, 2026 (100% discretionary)."
    },
    {
      "q": "How have Sterling Wealth Management, Inc.'s assets and staff changed since 2021?",
      "a": "In the Form ADV data for Sterling Wealth Management, Inc.: Regulatory assets under management: $216,872,924 in the October 2021 data and $494,582,785 in the October 2026 data, up 128%. Total employees: 6 in October 2021 and 7 in October 2026. Assets under management move with markets as well as with clients coming and going."
    },
    {
      "q": "What types of clients does Sterling Wealth Management, Inc. serve?",
      "a": "By number of clients on Form ADV Item 5.D: high net worth individuals (131); individuals (other than high net worth individuals) (103); charitable organizations (3)."
    },
    {
      "q": "Which custodians does Sterling Wealth Management, Inc. use?",
      "a": "Sterling Wealth Management, Inc.'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 Wealth Management, Inc. 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/131304"
    },
    {
      "q": "Does Sterling Wealth Management, Inc. state an account minimum?",
      "a": "Its Form ADV Part 2A brochure dated March 26, 2026 says: \"Sterling has no minimum annual fee. Generally, the minimum account size is $1,000,000. Sterling, in its sole discretion, may require a lesser account minimum and/or reduce its advisory fee based upon certain criteria\""
    },
    {
      "q": "What changed in Sterling Wealth Management, Inc.'s recent Form ADV filings?",
      "a": "In the April 2026 filing data: Employees performing advisory functions went from 6 to 7. Regulatory assets under management went from $429,136,174 to $494,582,785 (+15%)."
    }
  ],
  "filing_history": [
    {
      "period": "2021-10-01",
      "regulatory_assets_under_management": 216872924.0,
      "total_employees": 6,
      "filing_date": "2021-07-28"
    },
    {
      "period": "2022-10-01",
      "regulatory_assets_under_management": 306321412.0,
      "total_employees": 7,
      "filing_date": "2022-03-31"
    },
    {
      "period": "2023-10-01",
      "regulatory_assets_under_management": 282978400.0,
      "total_employees": 10,
      "filing_date": "2023-03-27"
    },
    {
      "period": "2024-10-01",
      "regulatory_assets_under_management": 360592012.0,
      "total_employees": 10,
      "filing_date": "2024-03-13"
    },
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 429136174.0,
      "total_employees": 10,
      "filing_date": "2025-03-26"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 494582785.0,
      "total_employees": 7,
      "filing_date": "2026-03-26"
    }
  ],
  "recent_changes": [
    {
      "period": "2026-04-01",
      "period_label": "April 2026",
      "notes": [
        "Employees performing advisory functions went from 6 to 7.",
        "Regulatory assets under management went from $429,136,174 to $494,582,785 (+15%)."
      ]
    }
  ],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated March 26, 2026",
    "provided_by_the_firm": false,
    "tiers": [],
    "flat_rate": null,
    "stated_range": null,
    "stated_maximum": null,
    "account_minimum": "$1,000,000",
    "account_minimum_may_be_waived": true,
    "minimum_annual_fee": null,
    "planning_fees": [
      "Hourly rate: $250 an hour (Financial Consulting for a Certified Financial Planner professional)"
    ],
    "figures": [
      {
        "label": "Account minimum",
        "statements": [
          "Account minimum: $1,000,000 (the brochure says it may be waived or negotiated)"
        ],
        "quotes": [
          "Sterling has no minimum annual fee. Generally, the minimum account size is $1,000,000. Sterling, in its sole discretion, may require a lesser account minimum and/or reduce its advisory fee based upon certain criteria"
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Hourly rate: $250 an hour (Financial Consulting for a Certified Financial Planner professional)"
        ],
        "quotes": [
          "Fees for \"Financial Consulting\" are computed at either an hourly rate or flat fee based on the hourly rate. Various rates apply as determined by the person performing the service as follows: $250/hour for a Certified Financial Planner professional."
        ]
      }
    ],
    "values": {
      "tiers": [],
      "range_pct": null,
      "max_pct": null,
      "account_minimum": 1000000.0,
      "minimum_annual_fee": null,
      "planning": [
        {
          "kind": "hourly",
          "amount": 250.0,
          "min": null,
          "max": null,
          "period": "hour",
          "service": "Financial Consulting for a Certified Financial Planner professional"
        }
      ]
    },
    "quotes": [
      "Sterling has no minimum annual fee. Generally, the minimum account size is $1,000,000. Sterling, in its sole discretion, may require a lesser account minimum and/or reduce its advisory fee based upon certain criteria",
      "Fees for \"Financial Consulting\" are computed at either an hourly rate or flat fee based on the hourly rate. Various rates apply as determined by the person performing the service as follows: $250/hour for a Certified Financial Planner professional."
    ],
    "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-wealth-management-inc-champaign-il-131304.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 103,
      "fewer_than_5": false,
      "raum": 34674318.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 131,
      "fewer_than_5": false,
      "raum": 409066654.0
    },
    {
      "type": "charitable",
      "label": "Charitable organizations",
      "count": 3,
      "fewer_than_5": false,
      "raum": 32854575.0
    },
    {
      "type": "corporations_other_businesses",
      "label": "Corporations or other businesses not listed above",
      "count": 3,
      "fewer_than_5": false,
      "raum": 17987238.0
    }
  ],
  "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/131304",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}