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Adviser Profile

As of Date 03/01/2024
Adviser Type - Large advisory firm
Number of Employees 6
of those in investment advisory functions 3
Registration Missouri, Terminated, 3/25/2005
Other registrations (1)
AUM* 180,157,026 12.75%
of that, discretionary 180,157,026 12.75%
Private Fund GAV* 0
Avg Account Size 662,342 10.27%
% High Net Worth 16.91% 15.35%
SMA’s Yes
Private Funds 0
Contact Info 417 xxxxxxx

Client Types

- Individuals (other than high net worth individuals)
- High net worth individuals
- Charitable organizations
- Corporations or other businesses not listed above

Advisory Activities

- Financial planning services
- Portfolio management for individuals and/or small businesses
- Portfolio management for businesses

Compensation Arrangments

- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

Recent News

Reported AUM

Discretionary
Non-discretionary
196M 168M 140M 112M 84M 56M 28M
2016 2017 2018 2019 2020 2021 2022 2023

Private Funds

No private funds

Employees

Top Holdings

Stock Ticker Stock Name $ Position % Position $ Change # Change
Stck Ticker46432F842 Stock NameISHARES TR $ Position$33,551,023 % Position19.00% $ Change9.00% # Change2.00%
Stck Ticker464287200 Stock NameISHARES TR $ Position$23,668,046 % Position13.00% $ Change7.00% # Change2.00%
Stck Ticker46434G103 Stock NameISHARES INC $ Position$18,694,217 % Position11.00% $ Change9.00% # Change1.00%
Stck Ticker46436E718 Stock NameISHARES TR $ Position$13,373,145 % Position8.00% $ Change7.00% # Change7.00%
Stck Ticker464286517 Stock NameISHARES INC $ Position$9,915,509 % Position6.00% $ Change11.00% # Change3.00%
Stck Ticker922908744 Stock NameVANGUARD INDEX FDS $ Position$9,942,529 % Position6.00% $ Change10.00% # Change1.00%
Stck Ticker46429B747 Stock NameISHARES TR $ Position$7,131,302 % Position4.00% $ Change7.00% # Change5.00%
Stck Ticker46429B291 Stock NameISHARES TR $ Position$7,541,648 % Position4.00% $ Change12.00% # Change7.00%
Stck Ticker464287507 Stock NameISHARES TR $ Position$7,302,238 % Position4.00% $ Change10.00% # Change3.00%
Stck Ticker46432F859 Stock NameISHARES TR $ Position$6,192,069 % Position3.00% $ Change9.00% # Change6.00%

Brochure Summary

Overview

Sterling Investment Advisors , LLC (SIA) was established in 1996 by James G. Jones, CFA, CKA® as a registered investment advisor under the Investment Advisor Act of 1940. Jones is the principal owner of the firm. Jones, Tara Parson, CPA, and Troy Bethards, DBA are Investment Advisor Representatives (advisors) of the firm. The firm is located in Bolivar, Missouri and does not have any other locations or affiliated companies. The firm’s primary business is providing investment management advisory services. As a registered investment advisor, SIA is required to act as a fiduciary; putting the client’s interest ahead of its own. The firm is committed to creating individual, well-diversified portfolios with varying levels of expected risk and return depending on the client’s needs. The investment management advisory service begins when an advisor meets with the client to discuss the client’s return objective, risk tolerance (both ability and willingness), liquidity needs, time horizon, legal constraints, taxes and any unique circumstances. Should a client consider transferring funds from a qualified plan to a rollover IRA, a diligent and prudent effort will be made to obtain current plan in- formation and compare the expenses against the offered IRA. The analysis is shared with the client for evaluation in the transfer decision. In most cases a multi-year cash flow projection is created which reflects the client’s particular circum- stances. In these cases, a monte carlo simulation is generated using portfolios with different risk and return characteristics. A monte carlo simulation is a process of evaluating how well a portfolio achieves the client’s goals and objectives under many different economic scenarios. By evaluating the relative performance of the different portfolios, the advisor is better able to formulate a recommenda- tion. Once chosen and implemented, the portfolio is reviewed for possible rebalancing every quarter. In ad- dition, it is important to update a client’s investment plans at least annually. The annual review is based upon current account values,
updated client goals and objectives, and return and risk expectations that reflect the current economic conditions. It is at this time the advisor determines whether he/she will recommend a portfolio change. On infrequent occasions, the advisor may, for a variety of reasons, recommend a change to the portfolio prior to the annual review. Of course there are many assumptions made in the investment management planning process. These include: the timing and size of future cash flows, expected future inflation rates, the expected return and risk of portfolios, and future tax rates among other things. There is a level of uncertainty regarding each estimate. While the advisor takes care to make estimates he/she believes are reasonable and con- sistent with finance theory, they are estimates. As estimates they can be wrong. The investment man- agement process, including the annual reviews, cannot guarantee a client’s goals and objectives will be achieved. Clients may request specific individual securities be purchased and integrated into their billable portfo- lios. The advisor will determine if these requests are compatible with SIA’s investment philosophy, and if not, the investment management contracts will be terminated. SIA may establish discretionary separate accounts for clients which are not subject to billing. These accounts facilitate certain client objectives which may include, but are not limited to: money market funds and/or short-term securities held for liquidity purposes, and individual security holdings with trade restrictions which are not integrated into billable portfolios. The advisors also provide financial consulting services on an infrequent basis. From time to time an individual will request advice on financial topics without engaging SIA for investment management services. In these cases the advisor may elect to provide those services on a per-hour fee basis. These consulting services represent less than 1% of the firm’s total revenue. As of December 31, 2023, SIA managed a total of $180,157,026. All funds were managed on a discre- tionary basis.