Sterling Wealth Management, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$443,740,972
Clients
234
Advisors
7
of 7 employees
About
Sterling Wealth Management provides advisory services to individuals, families, trusts, estates, charitable organizations, business entities, and certain qualified retirement plans. Services are offered through two primary programs—Wealth Management and Asset Management—and include investment consulting, asset management, financial planning, relationship management, and concierge services.
The firm follows an evidence-based, fundamentally informed investment philosophy that emphasizes long-term, globally diversified asset allocation and cost minimization, using mutual funds and ETFs as portfolio building blocks. Sterling typically manages discretionary accounts, conducts an initial discovery process and ongoing reviews, and also offers non‑discretionary financial consulting on an hourly or project basis.
Notable features that distinguish Sterling from many peers include its use of Standing Letters of Authorization (SLOAs) for client-directed third‑party transfers (subject to the SEC no‑action criteria) and its practice of being fee‑only while being deemed to have custody solely for fee‑billing purposes. The firm also discloses that it pays ongoing referral fees to outside solicitors and that it does not vote client proxies, which are left to clients to handle.
Client services
Expertise
Fee options
Flat fees may apply based on hourly rate for Financial Consulting projects
$0 - $1,000,000: 1.00% annually $1,000,000.01 - $5,000,000: 0.75% annually $5,000,000.01+: 0.50% annually
$250/hour for Certified Financial Planner professional
Account minimum: $1,000,000 Fee-only: Fee-only private wealth management; fees computed as a percentage of assets under management; no commissions.
Main office
301 N. Neil Street, Suite 203
Champaign IL 61820
Advisors at this office
7
Most active in
California · Colorado · Illinois · Michigan · Texas
Also doing business as
Sterling Financial, Inc · Sterling Wealth Management, 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 not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
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
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)