Sterling Financial Management, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Sterling Financial Management serves individuals, trusts and retirement plans with tailored advisory services that include comprehensive financial planning, hourly consulting, and investment advisory services. Client portfolios are custom‑designed to each person’s objectives and may incorporate equities, mutual funds, ETFs, debt securities and government or municipal securities, with periodic supervision and reviews.
The firm applies both fundamental and technical analysis and generally favors mutual funds and ETFs as part of a long‑term purchase strategy, using the Vision2020 Advisor Managed Portfolios platform for risk‑tolerance assessment, efficient‑frontier plotting, portfolio optimization and rebalancing. Accounts are managed on a non‑discretionary basis, so trades are implemented only with client consent, and clients receive regular reporting through Pershing custody statements and the Vision2020 consolidated portal.
Noteworthy distinctions include the firm’s advisors’ affiliation as registered representatives of Osaic Wealth and licensure as insurance producers, which enables the sale of commissionable securities and insurance products alongside advisory services and is disclosed as a potential conflict of interest. The firm also sponsors a wrap‑fee Advisor Managed Portfolios program and manages about $7.1 million in primarily non‑discretionary assets for a small client base, a combination that can produce highly individualized planning but limits the advisor’s ability to trade without client approval.
Client services
Expertise
Fee options
$100,000 - $249,999.99: 2.500% advisory fee + 0.350% admin fee $250,000 - $499,999.99: 2.250% advisory fee + 0.310% admin fee $500,000 - $749,999.99: 2.000% advisory fee + 0.310% admin fee $750,000 - $999,999.99: 1.750% advisory fee + 0.270% admin fee $1,000,000 - $1,249,999.99: 1.750% advisory fee + 0.245% admin fee $1,250,000 - $1,999,999.99: 1.500% advisory fee + 0.220% admin fee $2,000,000 - $4,999,999.99: 1.250% advisory fee + 0.170% admin fee $5,000,000 - $24,999,999.99: 1.250% advisory fee + 0.105% admin fee $25,000,000+: 1.000% advisory fee + 0.065% admin fee
Commissions received by members of the firm as Registered Representatives of Osaic Wealth and as insurance agents in connection with securities and insurance product sales.
$160 per hour for financial planning and consulting services; fees not to exceed $500 paid 6 or more months in advance.
Account minimum: $250,000
Main office
65 Madison Ave., Suite 333
Morristown NJ 07960
Advisors at this office
1
Most active in
New Jersey
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Is not active or affiliated with:
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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