Sterling Investment Advisors Ltd.
- Regulatory AUM
- $1.1B
- Discretionary
- $1.1B
- Clients
- 442
- Avg AUM / client
- $2.4M
- Accounts
- 1,611
- Employees
- 7
AUM over time
Reported AUM from Form ADV filings, plotted by filing date · as of Mar 21, 2026
Who they serve
| Client type | Clients | AUM | % of AUM |
|---|---|---|---|
| Individuals (non-high net worth) | 242 | $58.0M | 5.39% |
| High net worth individuals | 194 | $1.0B | 93.9% |
| Pension and profit sharing plans | Fewer than 5 clients | $781K | 0.07% |
| Charitable organizations | Fewer than 5 clients | $2.2M | 0.2% |
| Corporations and other businesses | 6 | $5.0M | 0.47% |
Retirement plan clients
Plans that reported this firm as an investment service provider on Form 5500 Schedule C.
| Plan | Location | Plan year |
|---|---|---|
| Bradley Caldwell, Inc. 401(k) Retirement Savings Plan Bradley Caldwell, Inc. | Hazleton, PA | 2024 |
| Entech Consulting, Llc 401(k) Plan Entech Consulting, Llc | 2024 | |
| Princeton Consultants, Inc. 401(k) Plan Princeton Consultants, Inc. | 2024 | |
| B & G Manufacturing 401(k) Profit Sharing Plan B & G Manufacturing, Inc. | 2024 | |
| Anro Inc. Profit Sharing Retirement Savings Plan Anro Inc. | 2024 | |
| Conestoga Wood Employees' 401(k) Plan Conestoga Wood Specialties Corp. | 2024 |
People (7)
roster as of Jul 20, 2026| Name | Role / title | Credentials | With firm since | Ownership |
|---|---|---|---|---|
| Timothy Edward Flatley | President | Chartered Financial Consultant | May 2000 (26y) | 75% or more |
| Sean Michael Flatley | Treasurer | CFP | May 2006 (20y) | 5% – 10% |
| Whetstone, Catherine, Mary | Chief Compliance Officer | Sep 2020 (6y) | Less than 5% | |
| David Scott Newcomb | Registered representative | May 2006 (20y) | ||
| Matthew Paul Croley | Registered representative | Feb 2008 (18y) | ||
| Bray Andrew Hansel | Registered representative | CFP Chartered Financial Consultant | Feb 2017 (10y) | |
| Gabriel Michael Fairorth | Registered representative | Mar 2022 (4y) |
Undisclosed: 0% – 20% of the firm is not attributable from the filed Schedule A bands.
Roster from the IAPD representatives feed; ownership and acquisition dates from Form ADV Schedule A/B. "Since" is the earliest filed registration or acquisition date.
Retirement plans served (6)
| Plan | Sponsor | Participants | Plan assets | As of |
|---|---|---|---|---|
| Bradley Caldwell, Inc. 401(k) Retirement Savings Plan | Bradley Caldwell, Inc. | 384 | $30.1M | 01/01/2024 |
| Entech Consulting, Llc 401(k) Plan | Entech Consulting, Llc | 94 | $5.2M | 01/01/2024 |
| Princeton Consultants, Inc. 401(k) Plan | Princeton Consultants, Inc. | 66 | $45.2M | 01/01/2024 |
| B & G Manufacturing 401(k) Profit Sharing Plan | B & G Manufacturing, Inc. | 181 | $24.0M | 01/01/2024 |
| Anro Inc. Profit Sharing Retirement Savings Plan | Anro Inc. | 113 | $17.2M | 01/01/2024 |
| Conestoga Wood Employees' 401(k) Plan | Conestoga Wood Specialties Corp. | 1,007 | $98.0M | 01/01/2024 |
From Form 5500 service-provider disclosures.
Documents (1 archived)
| Form | Period | Size | |
|---|---|---|---|
| Form ADV (full filing) | 03/21/2026 | 941 KB | View · PDF · Source ↗ |
Archived copies of the firm's regulatory filings, versioned by content hash.
Disciplinary disclosures
No disciplinary events reported on the firm's latest Form ADV filing.
How they charge
- • Percentage of assets under management
- • Hourly charges
- • Fixed fees
Services
- • Financial planning services
- • Portfolio management for individuals/small businesses
- • Pension consulting services
- • Selection of other advisers
Custody
Reported custodians
- Charles Schwab & Co. $1.0B (97% of AUM) Mar 2026
Amounts as reported in ADV Item 5.K.(3) (custodians holding 10%+ of SMA assets).
Firm reports having custody of client funds or securities (Item 9.A).
Source
All data on this page comes from this firm's Form ADV filings, reproduced without modification. Latest filing: Mar 21, 2026.
View current Form ADV (SEC/IAPD) ↗