{"url":"https://nivawealth.com/firms/sterling-wealth-advisors-124121","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/124121","regulatoryAum":223541508,"crd":"124121","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"2826888","suffix":null,"lastName":"BARRETT","firstName":"ELIZABETH","middleName":"ANN"},{"crd":"8099388","suffix":null,"lastName":"Barrett","firstName":"Sterling","middleName":"Whitworth"},{"crd":"7417883","suffix":null,"lastName":"Jenkins","firstName":"Leah","middleName":"Renee"}],"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":"2021-06-30","regulatoryAum":136087806,"clients":69,"employees":6,"offices":1},{"filedOn":"2022-03-29","regulatoryAum":149883686,"clients":73,"employees":7,"offices":1},{"filedOn":"2023-03-14","regulatoryAum":136356241,"clients":67,"employees":7,"offices":1},{"filedOn":"2024-03-26","regulatoryAum":164376313,"clients":67,"employees":7,"offices":1},{"filedOn":"2025-06-02","regulatoryAum":187596209,"clients":80,"employees":7,"offices":3},{"filedOn":"2026-04-01","regulatoryAum":223541508,"clients":80,"employees":7,"offices":3}],"secFileNumber":"801-121920","legalName":"Sterling 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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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Sterling Wealth Advisors offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does Sterling Wealth Advisors use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Sterling Wealth Advisors have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Sterling Wealth Advisors invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Sterling Wealth Advisors?","answer":"Sterling Wealth Advisors’ direct owner is Elizabeth Barrett (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 1 April 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Sterling Wealth Advisors get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Sterling Wealth Advisors?","answer":"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.","source":"Form ADV Part 1A, Item 1.F, filed 1 April 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":{"url":"https://nivawealth.com/firms/sterling-wealth-advisors-124121/holdings","form":"13F-HR","periodOfReport":"2026-06-30","filedOn":"2026-07-23","filingIndexUrl":"https://www.sec.gov/Archives/edgar/data/1943937/000194393726000004/0001943937-26-000004-index.html","totalValue":183990848,"positionCount":20,"top10Share":0.9236320710908403,"top10":[{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"US CORE EQT MKT","cusip":"25434V104","value":58451831,"shares":1130815,"shareType":"SH","priorValue":53679948,"priorShares":1093723},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"US EQUI MARK ETF","cusip":"25434V401","value":25897301,"shares":316052,"shareType":"SH","priorValue":24514262,"priorShares":317131},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"SHOR DUR FIX 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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."}