Sterling Manor Financial provides financial planning and portfolio management for individuals and small businesses. Financial planning was provided to 1–10 clients last fiscal year.
Sterling Manor Financial reports 395 clients. They include 339 individual clients, 54 high-net-worth individuals and 1 pension or profit-sharing plan. Of its assets, 99.3% ($200M across 907 accounts) are managed with discretion; $1.43M across 17 accounts are not. A wrap fee program the firm both sponsors and manages holds $201M.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 86% | 47% |
| High-net-worth individuals | 14% | 52% |
| Pension and profit-sharing plans | <1% | <1% |
| Charitable organizations | <1% | <1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 339 | $94.1M | 46.8% | $277K |
| High-net-worth individuals | 54 | $105M | 52.4% | $1.95M |
| Pension and profit-sharing plans | Fewer than 5 | $800K | 0.4% | $800K |
| Charitable organizations | Fewer than 5 | $920K | 0.5% | $920K |
| Total | 395 | $201M | 100% | — |
- Clients
- 339
- Regulatory AUM
- $94.1M
- AUM share
- 46.8%
- Avg. per client
- $277K
- Clients
- 54
- Regulatory AUM
- $105M
- AUM share
- 52.4%
- Avg. per client
- $1.95M
- Clients
- Fewer than 5
- Regulatory AUM
- $800K
- AUM share
- 0.4%
- Avg. per client
- $800K
- Clients
- Fewer than 5
- Regulatory AUM
- $920K
- AUM share
- 0.5%
- Avg. per client
- $920K
Total
- Clients
- 395
- Regulatory AUM
- $201M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 1–10
Sterling Manor Financial charges up to 2.00% a year for its Wrap Fee Program Portfolio Management. The fee is billed in advance and is negotiable. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Financial Planning
- Financial planning is a fixed fee of $250 to $2,000 for creating client plans, or an hourly fee of $75 to $250, negotiable under the planning agreement.
Stephen Kyne owns 50% to 75% of Sterling Manor Financial. The leadership team of Sterling Manor Financial includes Chief Compliance Officer Stephen Kyne. It has 3 employees.
Leadership
Stephen KyneManaging Member & Chief Compliance Officer
Adam DoigManaging Member
Investment adviser representatives
3 representatives listed in the SEC register as of 9 October 2026.
Staff
- 3 employees
- 3 in advisory functions
- 3 state-registered reps
- 3 insurance agents
- 2 soliciting firms
- Owns 50% to 75% of Sterling Manor Financial, LLC
Stephen Kyne
Control person · since April 2006
- Owns 50% to 75% of Sterling Manor Financial, LLC
Adam Doig
Control person · since April 2006
Sterling Manor Financial’s regulatory assets grew from $142M (March 2021) to $201M (May 2026); clients fell from 424 to 395 and employees from 4 to 3.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| May 2026 | $201M | 395 | 3 | 1 |
| March 2025 | $171M | 402 | 3 | 1 |
| February 2024 | $160M | 426 | 3 | 1 |
| June 2023 | $152M | 573 | 3 | 2 |
| March 2022 | $164M | 446 | 4 | 2 |
| March 2021 | $142M | 424 | 4 | 2 |
Besides its headquarters, Sterling Manor Financial has 0 offices, with 1 listed address in New York.
New York · 1 listed address
- 18 Division Street, Suite 202, Saratoga SpringsHQ
Contact and registration details
- Legal name
- Sterling Manor Financial, LLC
- Headquarters
- 18 Division Street, Suite 202, Saratoga Springs, NY 12866
- Website
- sterlingmanorfinancial.com
- Phone
- 518-583-4040
- SEC file
- 801-107975
- Structure
- New York LLC
- Fiscal year end
- December
Sterling Manor Financial uses Charles Schwab ($201M) as custodian for its separately managed accounts. Sterling Manor Financial does not have custody of client assets.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $201M100%
At year end, Sterling Manor Financial’s separately managed accounts were mostly in funds (90%). Its reported 13F holdings for the quarter ended 31 March 2026 total $160M across 39 positions; the largest are SPDR Series Trust (12.2%), Aim ETF Products Trust (8.9%) and First TR Exchange-traded FD (7.1%).
What the accounts hold
- Stocks6%
- Funds90%
- Bonds2%
- Cash2%
Reported 13F holdings
- $160M
- Reported 13F value
- 39
- Positions
- 69.8%
- In the 10 largest
- —
- Value vs. prior quarter
- SPDR Series Trust · State Street Spd12.2%
- Aim ETF Products Trust · Allianzim US Equ8.9%
- First TR Exchange-traded FD · First TR Enh New7.1%
- iShares TR · Core MSCI Intl6.9%
- Invesco Exchange Traded FD T · S&P500 Eql Wgt6.6%
- iShares TR · Core Div Grwth6.2%
- SPDR Series Trust · State Street Spd5.8%
- First TR Exchng Traded FD VI · FT Vest Int EQ M5.6%
- SPDR Series Trust · State Street Spd5.4%
- Vanguard Wellington FD · US Value Factr5.0%
Together, the ten largest are 69.8% of reported value.
How many clients does Sterling Manor Financial have?
Sterling Manor Financial has 395 clients and manages $201 million for them, as of May 2026. They include 339 individual clients, 54 high-net-worth individuals and 1 pension or profit-sharing plan.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 11 May 2026
What services does Sterling Manor Financial offer?
Sterling Manor Financial provides financial planning and portfolio management for individuals and small businesses.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Sterling Manor Financial charge?
Sterling Manor Financial charges up to 2.00% a year for its Wrap Fee Program Portfolio Management. The fee is billed in advance and is negotiable.
Source: ADV PART 2A-STERLING MANOR FINANCIAL, LLC, filed 11 May 2026
Which custodians does Sterling Manor Financial use?
Sterling Manor Financial’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $201M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 11 May 2026
How many financial advisors does Sterling Manor Financial have?
Sterling Manor Financial has 3 investment adviser representatives registered with state securities authorities, out of 3 employees, and 3 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 3 employees are licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Sterling Manor Financial invest in?
At the end of its last fiscal year, Sterling Manor Financial’s separately managed accounts held 90% registered funds (mutual funds, ETFs, BDCs), 6% exchange-traded equities, 2% state and local bonds and 2% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Sterling Manor Financial?
Sterling Manor Financial’s direct owners are Stephen Kyne (50% to 75%) and Adam Doig (50% to 75%).
Source: Form ADV Part 1A, Schedules A and B, filed 11 May 2026
How does Sterling Manor Financial get paid?
Sterling Manor Financial is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Sterling Manor Financial?
Sterling Manor Financial’s main office is at 18 Division Street, Suite 202, Saratoga Springs, NY 12866. Its phone number is 518-583-4040. Its website is sterlingmanorfinancial.com.