San Diego, CA West Broadway Office

Stirling Financial Group is a registered investment adviser that serves individuals (including high-net-worth clients), pension and profit-sharing plans, trusts, estates, and other entities. The firm offers wealth management, financial and pension consulting, and participates in LPL Financial’s Optimum Market Portfolios (OMP) in addition to operating its own wrap fee program.

The firm typically manages client accounts on a discretionary basis, using asset-allocation models and a combination of fundamental, technical, and cyclical analysis to construct and supervise portfolios. Its disclosures indicate portfolios may include a wide range of securities and that the firm may use options and warrants and employ borrowing strategies such as margin or securities-backed lines of credit where appropriate.

Distinctive elements include acting as the sponsor and portfolio manager of its own wrap fee program while executing and custodial services are provided through LPL, and offering both in-house and LPL-sponsored managed options. Stirling Financial Group operates with a small advisory team overseeing approximately $179.7 million in discretionary assets for 288 clients, producing a comparatively high client-to-advisor load, and its personnel also include licensed insurance agents and registered representatives affiliated with LPL.