Sterling Retirement Group of Sacramento provides financial planning, portfolio management for individuals and small businesses, and selecting other managers. Financial planning was provided to 1–10 clients last fiscal year.
Sterling Retirement Group of Sacramento reports 515 clients. They include 438 individual clients, 65 high-net-worth individuals, and 12 pension and profit-sharing plans. Of its assets, 92.9% ($235M across 1,035 accounts) are managed with discretion; $18M across 15 accounts are not.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 85% | 74% |
| High-net-worth individuals | 13% | 19% |
| Pension and profit-sharing plans | 2% | 7% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 438 | $187M | 73.9% | $427K |
| High-net-worth individuals | 65 | $48M | 19.0% | $738K |
| Pension and profit-sharing plans | 12 | $18M | 7.1% | $1.5M |
| Total | 515 | $253M | 100% | $491K |
- Clients
- 438
- Regulatory AUM
- $187M
- AUM share
- 73.9%
- Avg. per client
- $427K
- Clients
- 65
- Regulatory AUM
- $48M
- AUM share
- 19.0%
- Avg. per client
- $738K
- Clients
- 12
- Regulatory AUM
- $18M
- AUM share
- 7.1%
- Avg. per client
- $1.5M
Total
- Clients
- 515
- Regulatory AUM
- $253M
- AUM share
- 100%
- Avg. per client
- $491K
- 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 Retirement Group of Sacramento charges 0.30%–1.50% a year for its Portfolio Management Services. The fee is billed in advance. The brochure also prices 2 other services, listed under fee details.
Fee details and sources
Other fees
- Comprehensive Financial Planning
- Comprehensive financial planning fees range from $500 to $10,000, depending on the complexity of the client situation.
- Consulting Financial Planning
- Consulting financial planning is billed at $400 an hour, with the estimated hours set in the agreement.
Gary Frontiera owns 75% or more of Sterling Retirement Group of Sacramento. The leadership team of Sterling Retirement Group of Sacramento includes President Gary Frontiera. It has 4 employees.
Staff
- 4 employees
- 4 in advisory functions
- 4 state-registered reps
- 3 insurance agents
- Owns 75% or more of Sterling Retirement Group of Sacramento Inc.
Gary Frontiera
Control person · since July 2013
Sterling Retirement Group of Sacramento’s regulatory assets grew 2.3× from $112M (May 2023) to $253M (March 2026); clients rose from 360 to 515 and employees from 3 to 4.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Mar 2026March 2026 | $253M | 515 | 4 | 1 |
| May 2025May 2025 | $177M | 413 | 3 | 1 |
| Jul 2024July 2024 | $161M | 586 | 3 | 1 |
| May 2023May 2023 | $112M | 360 | 3 | 1 |
Besides its headquarters, Sterling Retirement Group of Sacramento has 0 offices, with 1 listed address in 1 state.
California · 1 listed address
- 300 Harding BLVD #115, RosevilleHQ
Contact and registration details
- Legal name
- Sterling Retirement Group of Sacramento Inc.
- Headquarters
- 300 Harding BLVD #115, Roseville, CA 95678
- Website
- sterlingretire.com
- Phone
- 916-724-1702
- SEC file
- 801-127819
- Structure
- California corporation
- Fiscal year end
- December
Sterling Retirement Group of Sacramento’s named custodian for separately managed accounts is Trade-PMR ($236M). Sterling Retirement Group of Sacramento does not have custody of client assets.
- Trade-PMRTrade-PMR Inc. · Gainesville, FL · $236M100%
At year end, Sterling Retirement Group of Sacramento’s separately managed accounts were mostly in funds (70%) and stocks (20%).
What the accounts hold
- Stocks20%
- Funds70%
- Bonds7%
- Investment grade corporate bonds5%
- U.S. government and agency bonds2%
- Cash3%
How many clients does Sterling Retirement Group of Sacramento have?
Sterling Retirement Group of Sacramento has 515 clients and manages $253 million for them, as of March 2026. They include 438 individual clients, 65 high-net-worth individuals, and 12 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 26 March 2026
What services does Sterling Retirement Group of Sacramento offer?
Sterling Retirement Group of Sacramento provides financial planning, portfolio management for individuals and small businesses, and selecting other managers.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Sterling Retirement Group of Sacramento charge?
Sterling Retirement Group of Sacramento charges 0.30%–1.50% a year for its Portfolio Management Services. The fee is billed in advance.
Which custodians does Sterling Retirement Group of Sacramento use?
Sterling Retirement Group of Sacramento’s separately managed account assets are held at Trade-PMR Inc. (Gainesville, FL), with $236M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 26 March 2026
How many financial advisors does Sterling Retirement Group of Sacramento have?
Sterling Retirement Group of Sacramento has 4 investment adviser representatives registered with state securities authorities, out of 4 employees, and 4 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 Retirement Group of Sacramento invest in?
At the end of its last fiscal year, Sterling Retirement Group of Sacramento’s separately managed accounts held 70% registered funds (mutual funds, ETFs, BDCs), 20% exchange-traded equities, 5% investment grade corporate bonds, 3% cash and equivalents and 2% U.S. government and agency bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Sterling Retirement Group of Sacramento?
Sterling Retirement Group of Sacramento’s direct owner is Gary Frontiera (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 26 March 2026
How does Sterling Retirement Group of Sacramento get paid?
Sterling Retirement Group of Sacramento is paid through a percentage of assets under management, hourly charges, fixed fees and commissions. Its Form ADV lists no 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 Retirement Group of Sacramento?
Sterling Retirement Group of Sacramento’s main office is at 300 Harding BLVD #115, Roseville, CA 95678. Its phone number is 916-724-1702. Its website is sterlingretire.com.