Banner Elk, NC Office

Sterling Wealth Advisors serves individuals, high‑net‑worth clients, trusts, estates and retirement plans, offering discretionary investment management together with comprehensive financial planning as well as stand‑alone planning and consulting engagements. It operates on a fee‑only basis and provides both ongoing advisory relationships and shorter project retainers or financial overviews tailored to client circumstances.

The firm implements customized, discretionary portfolios using no‑load mutual funds, ETFs, fixed income and U.S. government securities and employs both long‑ and short‑term purchase strategies with ongoing monitoring and rebalancing. For certain workplace retirement accounts it uses an order management system to access and manage plan investments without collecting client custodial credentials and asks clients to maintain an active access link so trades can be executed.

Sterling manages over $200 million of client assets with a small advisor team and a relatively limited client roster, producing a concentrated, higher‑AUM‑per‑client practice that may differ in service cadence and engagement terms from more retail‑oriented advisers. The firm discloses assistance with pledged‑asset loans as a liquidity option, maintains a succession agreement with another registered adviser to reduce service disruption risk, and leaves proxy voting decisions to clients rather than voting securities on their behalf.