Sterling Investment Advisors,Llc
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$195,208,829
Clients
265
Advisors
3
of 5 employees
About
Sterling Investment Advisors is an SEC‑registered adviser that provides discretionary investment management to individuals, estates, trusts, charitable organizations, corporations, pension/profit‑sharing plans and an endowment, and it includes financial planning and estate‑planning tools as part of its investment management services at no additional cost. The firm also offers occasional hourly consulting to clients who do not engage its investment management services.
The firm emphasizes strategic asset allocation implemented primarily with lower‑cost index mutual funds and ETFs, and it constructs forward‑looking return estimates by blending market‑equilibrium and cash‑flow valuation approaches; portfolios are stress‑tested with Monte Carlo simulations and reviewed quarterly for rebalancing. For clients who meet the accredited investor definition, private equity and private debt may be considered, and the firm can establish separate discretionary, non‑billable accounts for liquidity needs or restricted holdings.
Notably, the firm manages about $229 million across roughly 265 client relationships with three advisors and reported an ownership change in which an advisor increased an ownership stake to 30% and is now designated a control person as of January 1, 2026. One advisor maintains a full‑time academic appointment with limited day‑to‑day involvement at the firm; SIA commonly recommends Fidelity for custody but uses an alternative trust for IRA‑held private placements, does not aggregate trades into block orders, does not charge performance‑based fees, and occasionally grants fee concessions for early clients, a large endowment client, and pro‑bono cases.
Client services
Expertise
Fee options
$0 - $250,000: 1.25% annually $250,000 - $500,000: 1.00% annually $500,000 - $1,000,000: 0.75% annually $1,000,000+: 0.65% annually
$200 per hour
Account minimum: $250,000 Fee-only: $200 per hour for consulting services
Main office
2095 S. Boston Place
Bolivar MO 65613
Advisors at this office
3
Most active in
Missouri · Texas
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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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.
Advisors at this firm
Troy B
Series 65
Bolivar, MO
Sterling Investment Advisors,Llc
Troy Bethards is a Series 65–licensed financial advisor with Sterling Investment Advisors, LLC, based in Bolivar, Missouri, and has six years of industry experience. He has held a long-term academic role as Dean of the College of Business and Computer Science at Southwest Baptist University since 2000. Sterling Investment Advisors is an SEC-registered firm that provides discretionary investment management and financial planning services to a diverse client base, including individuals, trusts, charitable organizations, and corporations. The firm employs a strategic asset allocation approach using primarily low-cost index funds and ETFs, with quarterly portfolio reviews and stress-testing.
Tara P
Series 65
Bolivar, MO
Sterling Investment Advisors,Llc
Tara Parson is a financial advisor with Sterling Investment Advisors, LLC, holding a Series 65 credential and three years of industry experience. Prior to joining Sterling Investment Advisors in 2022, she worked independently for a year and spent seven years at Southwest Baptist University. Sterling Investment Advisors is an SEC-registered firm that provides discretionary investment management and financial planning services to individuals, estates, trusts, charitable organizations, corporations, pension and profit-sharing plans, and an endowment. The firm emphasizes strategic asset allocation using lower-cost index funds and ETFs, incorporates forward-looking return estimates, and employs quarterly portfolio reviews with stress testing.
James J
ChFC®, Series 63, Series 65
Bolivar, MO
Sterling Investment Advisors,Llc
James Jones is a ChFC®-designated financial advisor with Sterling Investment Advisors, LLC in Bolivar, MO, where he has worked since 1995. He has 30 years of industry experience and holds Series 63 and Series 65 licenses. Sterling Investment Advisors is an SEC-registered firm providing discretionary investment management and financial and estate-planning services to individuals, estates, trusts, charitable organizations, corporations, pension and profit-sharing plans, and an endowment. The firm emphasizes strategic asset allocation primarily using low-cost index mutual funds and ETFs, employing forward-looking return estimates and stress testing with Monte Carlo simulations.
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