{"url":"https://nivawealth.com/firms/sterling-manor-financial-284218","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/284218","regulatoryAum":201005892,"crd":"284218","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"4872128","suffix":null,"lastName":"DOIG","firstName":"ADAM","middleName":"FLETCHER"},{"crd":"5019556","suffix":null,"lastName":"FLANAGAN","firstName":"JAMES","middleName":"WILLIAM"},{"crd":"4809925","suffix":null,"lastName":"KYNE","firstName":"STEPHEN","middleName":"MATTHEW"}],"total":3,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2021-03-13","regulatoryAum":141607000,"clients":424,"employees":4,"offices":2},{"filedOn":"2022-03-11","regulatoryAum":163800000,"clients":446,"employees":4,"offices":2},{"filedOn":"2023-06-05","regulatoryAum":151538000,"clients":573,"employees":3,"offices":2},{"filedOn":"2024-02-23","regulatoryAum":160086000,"clients":426,"employees":3,"offices":1},{"filedOn":"2025-03-14","regulatoryAum":171200000,"clients":402,"employees":3,"offices":1},{"filedOn":"2026-05-11","regulatoryAum":201005892,"clients":395,"employees":3,"offices":1}],"secFileNumber":"801-107975","legalName":"Sterling 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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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Sterling Manor Financial offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Sterling Manor Financial charge?","answer":"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","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Sterling Manor Financial use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Sterling Manor Financial have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Sterling Manor Financial invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Sterling Manor Financial?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Sterling Manor Financial get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Sterling Manor Financial?","answer":"Sterling Manor Financial’s main office is at 18 Division Street, Suite 202, Saratoga Springs, NY 12866. Its phone number is 518-583-4040. 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Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}