Sterling Retirement Group of Sacramento
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$235,000,000
Clients
503
Advisors
4
of 4 employees
About
Sterling Retirement Group of Sacramento serves individual and high‑net‑worth clients as well as family or closely held businesses, offering comprehensive financial planning, targeted consulting, portfolio management, and business‑consulting services. The firm provides both ongoing portfolio management and one‑time implementation work, and may recommend independent third‑party advisers when a different management approach is appropriate.
The firm tailors portfolios to each client using a mix of fundamental and technical analysis and an investment philosophy that emphasizes value, safety, quality, and risk control; accounts are managed on both discretionary and nondiscretionary bases. When clients are placed with outside managers, Sterling typically establishes a co‑adviser relationship in which the third‑party adviser handles trading and execution while Sterling monitors performance and meets with clients at least annually.
What distinguishes Sterling from many peers is that its representatives may be licensed insurance agents who can receive insurance commissions if clients purchase recommended products or implement plan recommendations through them, a conflict the brochure discloses and addresses. The firm also highlights specialized business consulting for family or closely held businesses and states it does not participate in wrap programs or soft‑dollar arrangements.
Client services
Expertise
Fee options
Comprehensive financial planning fees from $500 to $10,000; Business consulting fixed fees from $1,000 to $50,000
$0+: 0.30% to 1.50% annually for portfolio management services $0+: 0.30% to 1.65% annually for selection of third-party investment advisers services
Representatives may receive commissions on insurance products if clients implement recommendations through them
Consulting financial planning at $400 per hour; Business consulting at $350 per hour
Fee-only: Financial planning fees range from $500 to $10,000; Consulting financial planning at $400 per hour; Business consulting fixed fees from $1,000 to $50,000 or $350 per hour
Main office
300 Harding Blvd #115
Roseville CA 95678
Advisors at this office
4
Most active in
Arizona · California · Idaho · Nevada · Oregon · Tennessee · Texas · Washington
Also doing business as
Sterling Advisors Inc. · Sterling Retirement Group Of Sacramento · Sterling Retirement Group Of Sacramento Inc.
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.
Quick links
Advisors at this firm
Gary F
Series 63, Series 65
Roseville, CA
Sterling Retirement Group of Sacramento
Gary Frontiera is a financial advisor with Sterling Retirement Group of Sacramento, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. He has worked at Purshe Kaplan Sterling Investments and Sterling Retirement Group since 2013. Frontiera is also a managing partner of Jacko Law Group, a private fund investment business. Sterling Retirement Group of Sacramento provides comprehensive financial planning, portfolio management, and business consulting services to individuals, retirement accounts, trusts, corporations, and closely held businesses. The firm employs a value- and risk-focused investment philosophy, manages approximately $177 million in discretionary assets, and serves about 400 clients with a small team of advisers.
John R
Series 65
Roseville, CA
Sterling Retirement Group of Sacramento
John Raftery is a Series 65-licensed advisor at Sterling Retirement Group of Sacramento with one year of industry experience. He has worked at Sterling Retirement Group since 2025 and concurrently at Stewart Valuation Intelligence since 2015. Sterling Retirement Group of Sacramento provides comprehensive financial planning, consulting, and portfolio management services to individuals, retirement accounts, trusts, corporations, and closely held businesses. The firm employs a value- and risk-focused investment approach and offers discretionary management as well as co-adviser arrangements, serving approximately 400 clients with $177 million in assets under management.
Michael G
Series 65
Roseville, CA
Sterling Retirement Group of Sacramento
Michael Gebhardt Jr. is a financial advisor with Sterling Retirement Group of Sacramento, holding a Series 65 designation and seven years of industry experience. Prior to joining Sterling Retirement Group, he worked at Oracle Corporation for three years. He is also a licensed insurance agent specializing in life, accident, and health insurance. Sterling Retirement Group of Sacramento advises individuals, retirement accounts, trusts, corporations, and other business entities on comprehensive financial planning, portfolio management, and business consulting for family or closely held businesses. The firm combines fundamental and technical analysis with a focus on value, safety, quality, and risk control, managing approximately $177 million in discretionary client assets.
Brian S
Series 65
Roseville, CA
Sterling Retirement Group of Sacramento
Brian Souders is a financial advisor at Sterling Retirement Group of Sacramento with 10 years of industry experience. He holds a Series 65 credential and has worked at Sterling Retirement Group since 2016, as well as at ArcPoint Financial Advisors LLC and its predecessor firm since 2014. Outside of his advisory role, Souders owns and operates Souders Financial & Insurance, LLC, where he sells indexed life and fixed indexed annuities. Sterling Retirement Group of Sacramento serves individual and high-net-worth clients, along with family and closely held businesses, offering financial planning, consulting, portfolio management, and business consulting services. The firm utilizes a combination of fundamental and technical analysis with an emphasis on value, safety, quality, and risk control, managing accounts on both discretionary and nondiscretionary bases.
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