Sterling Wealth Advisors provides financial planning, portfolio management for individuals and small businesses, divorce planning, estate planning, insurance, and tax planning. Financial planning was provided to 51–100 clients last fiscal year.
Sterling Wealth Advisors reports 80 clients. They include 50 high-net-worth individuals and 30 individual clients. Of its assets, 100.0% ($224M across 348 accounts) are managed with discretion. It advised 1 client without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 38% | 7% |
| High-net-worth individuals | 63% | 93% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 30 | $15M | 6.7% | $499K |
| High-net-worth individuals | 50 | $209M | 93.3% | $4.17M |
| Total | 80 | $224M | 100% | $2.79M |
- Clients
- 30
- Regulatory AUM
- $15M
- AUM share
- 6.7%
- Avg. per client
- $499K
- Clients
- 50
- Regulatory AUM
- $209M
- AUM share
- 93.3%
- Avg. per client
- $4.17M
Total
- Clients
- 80
- Regulatory AUM
- $224M
- AUM share
- 100%
- Avg. per client
- $2.79M
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 1
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 51–100
Sterling Wealth Advisors is paid through a percentage of assets under management, hourly charges and fixed fees (other than subscription fees). The reviewed brochures do not disclose an asset-based fee rate. Read the SEC-filed brochure. The brochure also prices 3 other services, listed under fee details.
Fee details and sources
Other fees
- Consulting Project and Retainer
- Project retainers are typically flat fees of $5,000 to $40,000, or $350 an hour, negotiable.
- Estate settlement and related services
- Estate settlement assistance, marital asset separation and terminal illness planning are billed separately at $350 an hour, minimum $1,500.
- Financial Overview
- A Financial Overview is charged from $3,000 to $25,000 depending on complexity, payable on engagement.
Elizabeth Barrett owns 75% or more of Sterling Wealth Advisors. The leadership team of Sterling Wealth Advisors includes President Elizabeth Barrett. It has 7 employees, 1 of them in advisory roles.
Leadership
Elizabeth BarrettPresident, CEO and Chief Compliance Officer
Investment adviser representatives
3 representatives listed in the SEC register as of 9 October 2026.
Staff
- 7 employees
- 1 in advisory functions
- 2 state-registered reps
- Owns 75% or more of Sterling Wealth Advisors, Inc.
Elizabeth Barrett
Control person · since July 1997
Sterling Wealth Advisors’ regulatory assets grew 1.6× from $136M (June 2021) to $224M (April 2026); clients rose from 69 to 80 and employees from 6 to 7.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| April 2026 | $224M | 80 | 7 | 3 |
| June 2025 | $188M | 80 | 7 | 3 |
| March 2024 | $164M | 67 | 7 | 1 |
| March 2023 | $136M | 67 | 7 | 1 |
| March 2022 | $150M | 73 | 7 | 1 |
| June 2021 | $136M | 69 | 6 | 1 |
Besides its headquarters, Sterling Wealth Advisors has 2 offices (2 private residences, listed without an address), with 1 listed address in Florida.
Florida · 1 listed address
- 8201 Peters Road, Suite 1000, PlantationHQ
Contact and registration details
- Legal name
- Sterling Wealth Advisors, Inc.
- Headquarters
- 8201 Peters Road, Suite 1000, Plantation, FL 33324
- Website
- sterlingwealthadvisors.com
- Phone
- 954-771-1313
- SEC file
- 801-121920
- Structure
- Florida corporation
- Fiscal year end
- December
Sterling Wealth Advisors uses Charles Schwab ($215M) as custodian for its separately managed accounts. Sterling Wealth Advisors has custody of $112M in client assets for 50 clients.
- Charles SchwabCharles Schwab & Co., Inc. · San Francisco, CA · $215M100%
At year end, Sterling Wealth Advisors’ separately managed accounts were mostly in funds (90%). Its reported 13F holdings for the quarter ended 30 June 2026 total $184M across 20 positions; the largest are Dimensional ETF Trust (31.8%), Dimensional ETF Trust (14.1%) and Dimensional ETF Trust (13.1%).
What the accounts hold
- Funds90%
- Cash2%
- Other8%
- Certificates of deposit8%
Reported 13F holdings
- $184M
- Reported 13F value
- 20
- Positions
- 92.4%
- In the 10 largest
- +4.9%
- Value vs. prior quarter
- Dimensional ETF Trust · US Core EQT Mkt31.8%
- Dimensional ETF Trust · US Equi Mark ETF14.1%
- Dimensional ETF Trust · Shor Dur Fix ETF13.1%
- Dimensional ETF Trust · Intl Core EQT MK8.5%
- Dimensional ETF Trust · Core Fixe IN ETF6.8%
- Dimensional ETF Trust · Intl Core Equity6.0%
- Dimensional ETF Trust · Emgr Cre EQT Mng5.5%
- iShares TR · Intl Sel Div ETF2.9%
- iShares TR · Core S&P500 ETF1.9%
- Vanguard Specialized Funds · Div App ETF1.8%
Together, the ten largest are 92.4% of reported value.
How many clients does Sterling Wealth Advisors have?
Sterling Wealth Advisors has 80 clients and manages $224 million for them, as of April 2026. They include 50 high-net-worth individuals and 30 individual clients.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 1 April 2026
What services does Sterling Wealth Advisors offer?
Sterling Wealth Advisors provides financial planning, portfolio management for individuals and small businesses, divorce planning, estate planning, insurance, and tax planning.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
Which custodians does Sterling Wealth Advisors use?
Sterling Wealth Advisors’ separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $215M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 1 April 2026
How many financial advisors does Sterling Wealth Advisors have?
Sterling Wealth Advisors has 2 investment adviser representatives registered with state securities authorities, out of 7 employees, and 1 perform investment advisory functions. None are registered representatives of a broker-dealer or 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 Wealth Advisors invest in?
At the end of its last fiscal year, Sterling Wealth Advisors’ separately managed accounts held 90% registered funds (mutual funds, ETFs, BDCs), 8% other and 2% cash and equivalents. The 8% other category is described as: Certificates of Deposit.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Sterling Wealth Advisors?
Sterling Wealth Advisors’ direct owner is Elizabeth Barrett (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 1 April 2026
How does Sterling Wealth Advisors get paid?
Sterling Wealth Advisors 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 Wealth Advisors?
Sterling Wealth Advisors’ main office is at 8201 Peters Road, Suite 1000, Plantation, FL 33324. Its phone number is 954-771-1313. Its website is sterlingwealthadvisors.com.