Sterling Financial Planning

The firm provides comprehensive financial planning and investment advice to individuals and families, addressing areas such as retirement planning, college funding, cash flow and budgeting. Services are delivered through a structured engagement that begins with an in-depth introductory meeting, culminates in a written financial plan, and may include an ongoing implementation service with periodic check‑ins.

The adviser bases investment recommendations on fundamental analysis and may utilize active, core-plus-satellite, or passive strategies when advising clients, but does not provide ongoing continuous supervision or discretionary portfolio management. Clients retain control of their accounts and custody; the firm does not take custody of client assets or furnish formal account performance reports.

Notably, the firm does not use percentage‑of‑assets‑under‑management fees and instead operates on fixed‑fee engagements and limited hourly arrangements, and it reports no client assets under firm management. The adviser’s background in planned giving and life‑planning training, combined with year‑long implementation support and coordination with clients’ other professionals, distinguishes the practice as focused on holistic planning rather than outsourced portfolio administration.