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Advisory Services
At Sterling Wealth Management, you can choose the level of advisory service that is best suited for you. Our advice is tailored to your unique needs, considering your risk tolerance, return objectives, time horizon, and income requirements to help you achieve your financial goals.
Wealth Planning
Manage Your Wealth With Confidence and Clarity.
Through our custodian, Fidelity Investments, and as an Investment Adviser Representative (IAR) of Sigma Planning Corporation (RIA) (Registered Investment Advisor), Sterling Wealth Management's Wealth Planning Service offers professional portfolio management. We invest in individual securities and recognized mutual funds and selected exchange-traded funds (ETFs) managed by industry leaders such as Invesco, American Funds, Vanguard, and others
We offer the following levels of advisory services:
Wealth Management
Assets Under $250,000
eMoney foundational client access
Riskalyze risk tolerance assessment
Investment strategy
Insurance strategy
Semi-annual account reviews
Qualified account management
Account consolidation
Investment portfolio management
Retirement income distribution strategy
Wealth Planning and Management
Assets Greater Than $250,000
Comprehensive Financial Plan
eMoney advanced client access
eMoney advanced planning model
Riskalyze risk tolerance assessment
Riskalyze portfolio composition reporting
Riskalyze portfolio stress testing
Investment Planning
Estate Planning
Tax Planning
Insurance Planning
Income Planning
Account consolidation
Quarterly account reviews
Qualified Account Management
Required minimum distribution management
Our Fees
At Sterling Wealth Management, our core mission as a financial planning advisory is to empower clients with clear, comprehensive, and personalized financial strategies. We leverage third-party money managers to enhance portfolio efficiency, ensuring seamless maintenance while focusing on your long-term goals. Whether you seek a standalone financial plan or prefer to integrate your SWM financial plan into our investment management services, Sterling Wealth Management delivers tailored solutions with transparency and fiduciary responsibility. With Sterling Wealth Management, your financial future is guided by experience, transparency, and a commitment to your success as a leading financial planning firm.
Wealth Planning
Manage your wealth with confidence and clarity.
To begin our advisory relationship, a wealth management engagement is necessary. Sterling Wealth Management custodies assets through Fidelity Investments, with Sigma Planning Corporation as our Registered Investment Adviser
Wealth Management Fee Schedule:
Assets from $0–$500,000: 1.10% annually
Assets from $500,001 – $750,000: 0.95% annually
Assets from $750,001 – $1,000,000: 0.85% annually
Assets above $1,000,000: 0.75% annually
How it works
Our Wealth Management fees (paid monthly in arrears) follow a blended fee schedule based on portfolio size. For example, a $2,500,000 portfolio incurs 1.10% on the first $500,000 followed by 0.95% on the next $250,000 and 0.85% on the next $250,000 with 0.75% on the remaining $1,500,000, resulting in an annual fee of 0.85%.
Wealth Planning and Management:
Requires assets under management greater than $250,000. The wealth planning and management advisory service includes the financial planning service without additional charges beyond the Wealth Management Fee Schedule. The Comprehensive Financial Plan is included in the Wealth Planning and Advisory service offering with minimum assets under management of $250,000.
Wealth Planning Only:
For clients that want a developed financial plan without participating in advisory asset management. Our fee for a financial planning model is designed for clarity and value, beginning with a 6-month financial planning engagement to thoroughly understand your objectives and craft a customized plan. Our fee structure is as follows:
Comprehensive Financial Plan: $3,000 to $6,000
The Comprehensive Financial Plan fee can be refunded if you later decide to engage our advisory management service within 6-months of financial plan delivery.
The Sterling Wealth Management Advantage
Partnering with Kyle Kay, CFP®, AIF®, and Sterling Wealth Management provides you with a trusted advisor dedicated to your financial path. Our disciplined, client-centered approach delivers:
Clarity:
A clear, customized investment plan aligned with your goals.
Confidence:
Assurance that your investment objectives are reflected in your portfolio risk and tax strategy.
Personalized Guidance:
Expert advice from Kyle Kay, CFP®, AIF®, who brings professional experience and a commitment to your financial well-being.
By working with us, you gain a partner who simplifies the complexities of investment planning, empowering you to achieve your financial goals with confidence.