Sterling Legacy Advisors Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Sterling Legacy Advisors Inc. is a newly registered New Jersey investment adviser that offers discretionary and non‑discretionary portfolio management, financial planning, financial consulting, pension consulting, and family office and wealth planning services to individuals, corporations, and state or municipal entities. The brochure states the firm began operations in 2026 and, as of the brochure date, reports no assets under management and no clients.
The firm describes an individualized approach that gathers suitability information—investment objectives, risk tolerance, liquidity needs and related data—to tailor portfolios and integrate financial planning into ongoing portfolio management and rebalancing. Its disclosed methods of analysis include fundamental and technical analysis, modern portfolio theory, option strategies and use of derivatives and structured products, and it may manage accounts on a discretionary basis when authorized.
Distinctive operational details in the brochure include that the advisers are registered representatives of LPL Financial and are licensed insurance agents who may receive separate commission‑based compensation for securities and insurance products, and the firm routinely requires clients to custody assets with LPL while receiving institutional support and transition assistance from LPL. The combination of pension consulting and selective family office services at a newly formed, two‑adviser firm, together with its broker‑dealer and insurance affiliations, are highlighted in the brochure and are disclosed as potential conflicts of interest the firm addresses in its policies.
Client services
Expertise
Fee options
$1,000 - $250,000: 2.00% $250,001 - $1,000,000: 1.50% $1,000,001 - $2,500,000: 1.25% Above $2,500,000+: 0.90%
Registered representatives earn commissions for securities transactions and insurance products sales, in addition to advisory fees.
$250 per hour for financial planning, consulting, and family office services (negotiable).
Account minimum: $1,000
Main office
River Vale NJ
Advisors at this office
2
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.
Is not active or affiliated with:
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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.
Forms ADV
Advisors at this firm
Catherine G
Series 66
River Vale, NJ
Sterling Legacy Advisors Inc.
Catherine Gilhuley is an advisor at Sterling Legacy Advisors Inc. with one year of industry experience. She holds a Series 66 designation and has previously worked at LPL Financial and Equitable Advisors, LLC. Outside of her advisory roles, she was involved with USATF New Jersey for two years. Sterling Legacy Advisors Inc. is a New Jersey-based firm offering portfolio management, financial planning, pension consulting, and family office services to individuals, corporations, and municipal entities. The firm employs an individualized approach using various analytical methods and integrates financial planning with ongoing portfolio management.
Jonathan V
Series 63, Series 65
River Vale, NJ
Sterling Legacy Advisors Inc.
Jonathan Varelas is a financial advisor at Sterling Legacy Advisors Inc. with four years of industry experience. He has previously worked at LPL Financial, Equitable Advisors LLC, NYLife Securities LLC, and New York Life Insurance Co. Since 2006, he has been an independent insurance agent specializing in various life and disability insurance products. Sterling Legacy Advisors Inc. is a New Jersey-based investment adviser providing portfolio management, financial planning, pension consulting, and family office services to individuals, corporations, and municipal entities. The firm uses an individualized approach incorporating fundamental and technical analysis, modern portfolio theory, option strategies, and may manage accounts on a discretionary basis.
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