DFX Intelligence

RIA Intelligence

Registered investment advisers, the advisors registered through them, the capital they report, the private vehicles they run and the people who own them, as a graph with a filing date behind every number. RAUM is what the adviser filed, a move is two registration dates, and a class is a rule you can read.

SEC-registered adviser

Sterling Investment Advisors Ltd.

Independent wealth managerBerwyn, PennsylvaniaCRD 140710SEC 801-66769websiteIAPD
Latest filing Mar 21, 2026
First filing on the tape Mar 19, 2012 · 39 filings
SEC status approved since May 31, 2006
RAUM
$1.1B
reported, Item 5.F
Discretionary
100%
of RAUM
Private clients
99%
$1.1B individuals and HNW
Advisors
7
registered through the firm on IAPD
RAUM per advisor
$154M
derived; firm RAUM over IAPD count
Employees
7
7 advisory (5.B.1)
Offices
1
beyond the principal office
Private funds
0
reported on Schedule D
History
39 filings and snapshots on the tape
RAUM$1.1B as of Mar 21, 2026
Mar 19, 2012$131M then
HNW client RAUM$1.0B as of Mar 21, 2026
Mar 30, 2018$298M then
State-registered IARs (5.B.3)6 as of Mar 21, 2026
Mar 19, 20120 then
Employees (5.A)7 as of Mar 21, 2026
Feb 28, 20139 then
Private funds: no history
RAUM +12% over the last fiscal year+20% a year over threeIARs 7 to 6
Practice profile
derived from the filing of Mar 21, 2026; every figure names its basis
Archetypes, each a printed rule
  • Independent boutique · a wealth manager with no broker-dealer, bank or insurance affiliate, 2 to 25 advisors, one to three offices, no public reporting company control
RAUM per advisor
$154MderivedRAUM over IAPD advisors; not a book size
Clients per advisor
62derivedindividual and HNW clients (5.D) over advisors
Average HNW client
$5.2MderivedHNW RAUM over HNW clients
Average account
$667,797derivedRAUM over accounts (5.F.2.f)
Discretionary
100%derivedof RAUM
Institutional
0.3%derivedpensions, charities, corporations, government, insurance, banks, other advisers
Employees per advisor
1.0derivedItem 5.A over advisors
Advisors per office
3.5derived2 offices incl. principal (1.F.5)
RAUM growth, one year
+12%derivedbetween the last two annual amendments
Advisor growth, one year
-14%derivedItem 5.B.3 between annual amendments
Client growth, one year
+5.1%derived
Compensation
percentage of assets, hourly, fixed feesreportedItem 5.E
Advisory activities
financial planning, portfolio management for individuals, pension consulting, selection of other advisersreportedItem 5.G
Custody
$325M, 172 clientsreportedItem 9.A
Ownership
no PE, bank or public-company owner found on Schedule Aderived
Advisor book size
not public; not estimatedreported
Also answered yes on Form ADV
  • buys or sells securities as principal to or from clients (8.A.2)
  • has discretionary authority over which securities are bought or sold (8.C.1)
  • receives research or other products from a broker-dealer, soft dollars (8.E)
  • has custody of client cash or bank accounts (9.A.1.a)
  • has custody of client securities (9.A.1.b)
Where the RAUM sits
Form ADV Item 5.D, latest filing
  • High-net-worth individuals$1.0B94%
  • Individuals$58.0M5.4%
  • Corporations and businesses$5.0M0.5%
  • Charitable organizations$2.2M0.2%
  • Pension and profit-sharing plans$781,1170.1%
Individual clients
242reported
HNW clients
194reported
Pension plan clients
n/areported
Charitable clients
n/areported
Accounts
1,611reported
Financial planning clients
101-250reported
Wrap fee programs
noreported
Custody of client assets
$325M for 172 clientsreported
Compensation
% of AUM, fixed, hourlyreported
Class basis
private_client_share=0.99 fund_share=0.0 institutional_share=0.0 related_bd=false related_bank=false bd_reps=4.0derived
Advisors registered through the firm
7 on IAPD today, longest tenure first
NameBranchHere sinceIn industryPrior firms
Timothy Edward FlatleyChartered Financial ConsultantBerwyn, Pa May 31, 200643 y2
Sean Michael FlatleyCertified Financial PlannerBerwyn, PaMay 31, 200626 y1
David Scott NewcombBerwyn, PaMay 31, 200624 y0
Matthew Paul CroleyBerwyn, PaFeb 29, 200824 y1
Bray Andrew HanselCertified Financial Planner, Chartered Financial ConsultantBerwyn, PaFeb 1, 201715 y0
Gabriel Michael FairorthBerwyn, PaMar 2, 202213 y0
Conor Joseph BradleyBerwyn, PaSep 3, 202610 y0
Advisor movement
0 left, 0 joined in 12 months
net 0 in 12 months0 left in 90 days0 joined in 90 daysdeparture rate 0.0% of current headcount0 left over 36 months
Every departureEvery arrival
Private funds
No private fund reported.
Owners and control persons
Schedule A and B, latest filing
  • Michael Sean Flatley · Treasurercontrol
    since 05/2006 · owns 5% to 10%
  • Edward Timothy Flatley · Presidentcontrol
    since 05/2000 · owns 75% or more
  • Mary Catherine Whetstone · Chief Compliance Officercontrol
    since 09/2020 · owns less than 5%
Related persons
Schedule D 7.A
No related person reported.
Office movement
IAPD branch city; joins and departures in 12 months
OfficeAdvisorsJoinedLeftTeams outForming
Berwyn, Pa · principal710
Offices
Schedule D 1.F, the 25 largest
  • , 1 employees
What changed
consecutive filings, newest first
  • Accounts · 1,514 to 1,611
    Nov 6, 2025 to Mar 21, 2026
  • HNW clients · 175 to 194
    Nov 6, 2025 to Mar 21, 2026
  • Individual clients · 240 to 242
    Nov 6, 2025 to Mar 21, 2026
  • Assets in custody · $252M to $325M
    Nov 6, 2025 to Mar 21, 2026
  • Employees · 8 to 7
    Nov 6, 2025 to Mar 21, 2026
  • State-registered IARs · 7 to 6
    Nov 6, 2025 to Mar 21, 2026
  • Discretionary RAUM · $961M to $1.1B
    Nov 6, 2025 to Mar 21, 2026
  • HNW RAUM · $891M to $1.0B
    Nov 6, 2025 to Mar 21, 2026
  • Individual RAUM · $55.8M to $58.0M
    Nov 6, 2025 to Mar 21, 2026
  • Pension RAUM · $666,666 to $781,117
    Nov 6, 2025 to Mar 21, 2026
  • RAUM · $961M to $1.1B
    Nov 6, 2025 to Mar 21, 2026
  • Accounts · 1,391 to 1,514
    Jan 30, 2025 to Apr 24, 2025
  • Advisory employees · 8 to 7
    Jan 30, 2025 to Apr 24, 2025
  • Corporate clients · unset to 6.0
    Jan 30, 2025 to Apr 24, 2025
  • HNW clients · 167 to 175
    Jan 30, 2025 to Apr 24, 2025
  • Individual clients · 227 to 240
    Jan 30, 2025 to Apr 24, 2025
  • Assets in custody · $213M to $252M
    Jan 30, 2025 to Apr 24, 2025
  • Employees · 9 to 8
    Jan 30, 2025 to Apr 24, 2025
  • Financial planning clients · 101-250 to 101-250
    Jan 30, 2025 to Apr 24, 2025
  • Discretionary RAUM · $746M to $961M
    Jan 30, 2025 to Apr 24, 2025
  • HNW RAUM · $678M to $891M
    Jan 30, 2025 to Apr 24, 2025
  • Individual RAUM · $51.2M to $55.8M
    Jan 30, 2025 to Apr 24, 2025
  • Pension RAUM · $1.0M to $666,666
    Jan 30, 2025 to Apr 24, 2025
  • RAUM · $746M to $961M
    Jan 30, 2025 to Apr 24, 2025
  • Accounts · 1,271 to 1,391
    Nov 27, 2023 to Mar 20, 2024
  • BD registered reps · 5 to 4
    Nov 27, 2023 to Mar 20, 2024
  • HNW clients · 148 to 167
    Nov 27, 2023 to Mar 20, 2024
  • Individual clients · 288 to 227
    Nov 27, 2023 to Mar 20, 2024
  • Assets in custody · $169M to $213M
    Nov 27, 2023 to Mar 20, 2024
  • Employees · 8 to 9
    Nov 27, 2023 to Mar 20, 2024
  • Other offices · 0 to 1
    Nov 27, 2023 to Mar 20, 2024
  • Discretionary RAUM · $619M to $746M
    Nov 27, 2023 to Mar 20, 2024
  • HNW RAUM · $553M to $678M
    Nov 27, 2023 to Mar 20, 2024
  • Individual RAUM · $54.9M to $51.2M
    Nov 27, 2023 to Mar 20, 2024
  • Pension RAUM · $1.3M to $1.0M
    Nov 27, 2023 to Mar 20, 2024
  • RAUM · $619M to $746M
    Nov 27, 2023 to Mar 20, 2024
  • Accounts · 1,167 to 1,271
    Nov 14, 2022 to Mar 29, 2023
  • HNW clients · 165 to 148
    Nov 14, 2022 to Mar 29, 2023
  • Individual clients · 199 to 288
    Nov 14, 2022 to Mar 29, 2023
  • Assets in custody · $160M to $169M
    Nov 14, 2022 to Mar 29, 2023
Signals
4 dated events
  • Sterling Investment Advisors Ltd. reported RAUM $961.4M, up 29% from $745.8M (2025-01-30 to 2025-04-24)
    Apr 24, 2025 · RAUM change · derived
  • Elyse Jillian Greene (Chief Compliance Officer/Head Of Office Operations) no longer on Schedule A of Sterling Investment Advisors Ltd. (listed 2020-07-07, absent 2020-09-21)
    Sep 21, 2020 · Control person left · inference
  • Mary Catherine Whetstone (Chief Compliance Officer) appeared on Schedule A of Sterling Investment Advisors Ltd.
    Sep 21, 2020 · Control person joined · fact
  • Elyse Jillian Greene (Chief Compliance Officer/Head Of Office Operations) appeared on Schedule A of Sterling Investment Advisors Ltd.
    Mar 16, 2020 · Control person joined · fact
Across DFX
shared identifiers only, never a name match
How to reach
public business contact points only, each with its source
Business email
cathyw@sterling-advisors.comreportedpublished by the firm, firm site, Sep 17, 2026
Business phone
610-560-0400reportedpublished by the firm, firm site, Sep 17, 2026
Business phone
610-560-0401reportedpublished by the firm, firm site, Sep 17, 2026
Firm profile
LINKEDIN.COM/COMPANY/STERLING-INVESTMENT-ADVISORS-LTD-reportedpublic record, Form ADV, Sep 18, 2026
Website
STERLING-ADVISORS.COMreportedpublic record, Form ADV, Sep 18, 2026
Principal office phone
610-560-0400reportedpublic record, Form ADV, Mar 21, 2026
Contact form
sterling-advisors.com/contactreportedpublished by the firm, firm site, Sep 17, 2026
Provenance
Form ADV
SEC filing data 2011 to 2024 and the monthly roster 2025 onreportedadviserinfo.sec.gov
Advisors
IAPD individual compilation feed, dailyreportedadviserinfo.sec.gov
Class
Independent wealth managerderiveda rule over Items 5.D and 7.A
RAUM per advisor
$154Mderivedfirm RAUM over the IAPD count; not a book size
Loaded
Sep 14, 2026