DFX Intelligence

RIA Intelligence

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SEC-registered adviser

S••••••• R••••••••• G•••• O• S•••••••••

Independent wealth managerRoseville, CaliforniaCRD 168397SEC 801-127819website IAPD

Legal name S••••••• R••••••••• G•••• O• S••••••••• I•••

Latest filing Mar 26, 2026

First filing on the tape Mar 30, 2023 · 8 filings

SEC status approved since May 19, 2023

RAUM

$253M

reported, Item 5.F

Discretionary

93%

of RAUM

Private clients

93%

$235M individuals and HNW

Advisors

registered through the firm on IAPD

RAUM per advisor

$63.3M

derived; firm RAUM over IAPD count

Employees

4 advisory (5.B.1)

Offices

beyond the principal office

Private funds

reported on Schedule D

History

8 filings and snapshots on the tape

RAUM$253M as of Mar 26, 2026

Mar 4, 2024$161M then

HNW client RAUM$48.0M as of Mar 26, 2026

Mar 4, 2024$45.0M then

State-registered IARs (5.B.3)4 as of Mar 26, 2026

Mar 4, 20241 then

Employees (5.A)4 as of Mar 26, 2026

Mar 4, 20243 then

Private funds: no history

RAUM +43% over the last fiscal yearIARs 3 to 4

Practice profile

derived from the filing of Mar 26, 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
Mass-affluent RIA · private-client share at least 50 percent, non-HNW individuals at least 60 percent of private-client RAUM

RAUM per advisor: $63.3MderivedRAUM over IAPD advisors; not a book size
Clients per advisor: 126derivedindividual and HNW clients (5.D) over advisors
Average HNW client: $738,462derivedHNW RAUM over HNW clients
Average account: $240,952derivedRAUM over accounts (5.F.2.f)
Discretionary: 93%derivedof RAUM
Institutional: 7.1%derivedpensions, charities, corporations, government, insurance, banks, other advisers
Employees per advisor: 1.0derivedItem 5.A over advisors
Advisors per office: 4.0derived1 offices incl. principal (1.F.5)
RAUM growth, one year: +43%derivedbetween the last two annual amendments
Advisor growth, one year: +33%derivedItem 5.B.3 between annual amendments
Client growth, one year: +25%derived
Compensation: percentage of assets, hourly, fixed fees, commissionsreportedItem 5.E
Advisory activities: financial planning, portfolio management for individuals, selection of other advisers, otherreportedItem 5.G
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

is an insurance broker or agent (6.A.6)
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)

Where the RAUM sits

Form ADV Item 5.D, latest filing

Individuals$187M74%
High-net-worth individuals$48.0M19%
Pension and profit-sharing plans$18.0M7.1%

Individual clients: 438reported
HNW clients: 65reported
Pension plan clients: 12reported
Charitable clients: n/areported
Accounts: 1,050reported
Financial planning clients: 1-10reported
Wrap fee programs: noreported
Custody of client assets: noreported
Compensation: % of AUM, fixed, hourly, commissionsreported
Class basis: private_client_share=0.93 fund_share=0.0 institutional_share=0.07 related_bd=false related_bank=false bd_reps=0.0derived

Advisors registered through the firm

4 on IAPD today, longest tenure first

Name	Branch	Here since	In industry	Prior firms
B•••• D•••• S••••••	Roseville, Ca	Mar 18, 2016	12 y	0
M•••••• D•• G•••••••	Roseville, Ca	Mar 18, 2019	11 y	0
G••• M• F••••••••	Roseville, Ca	Apr 3, 2025	18 y	2
J••• D•••• R••••••	Roseville, Ca	Nov 17, 2025	11 y	0

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 headcount1 left over 36 months

Left, latest

L•••• D• S••••• to R•••••••• I••••••••• L••
Mar 24, 2025 · RIA to RIA

Joined, latest

G••• M• F•••••••• from H••••• • F•••••••• F•••••••• G••••• I••
Apr 3, 2025 · Other
L•••• D• S••••• from S••••••••• F••••••••
Jun 12, 2014 · Other

Every departure Every arrival

Private funds

No private fund reported.

Owners and control persons

Schedule A and B, latest filing

F••••••••• G•••• M• · President/Chief Compliance Officercontrol
since 07/2013 · owns 75% or more

Related persons

Schedule D 7.A

No related person reported.

Office movement

IAPD branch city; joins and departures in 12 months

Office	Advisors	Joined	Left	Teams out	Forming
Roseville, Ca · principal	4	1	0

Offices

Schedule D 1.F, the 25 largest

No branch office listed.

ADV anomalies

2 against comparable advisers; where to look, not conclusions

RAUM up 25 %Change between filings · filing Mar 26, 2026
RAUM (Item 5.F) moved from $177,000,000 to $253,000,000 (+43.0%) between the annual amendments of 2025-03-18 and 2026-03-26; the peer median change was +15.0% (4548 comparable advisers, 94.0th percentile of changes)
peers: independent wealth managers, $100M to $500M (4,548) · 94% percentile
HNW share shiftChange between filings · filing Mar 26, 2026
HNW share of RAUM moved from 47.0% to 19.0% between the annual amendments of 2025-03-18 and 2026-03-26
peers: independent wealth managers, $100M to $500M (5,678)

How anomalies are measured

What changed

consecutive filings, newest first

Accounts · 1,124 to 1,050
May 7, 2025 to Mar 26, 2026
Advisory employees · 3 to 4
May 7, 2025 to Mar 26, 2026
HNW clients · 45 to 65
May 7, 2025 to Mar 26, 2026
Individual clients · 359 to 438
May 7, 2025 to Mar 26, 2026
Pension plan clients · 9 to 12
May 7, 2025 to Mar 26, 2026
Employees · 3 to 4
May 7, 2025 to Mar 26, 2026
State-registered IARs · 3 to 4
May 7, 2025 to Mar 26, 2026
Discretionary RAUM · $177M to $235M
May 7, 2025 to Mar 26, 2026
HNW RAUM · $83.2M to $48.0M
May 7, 2025 to Mar 26, 2026
Individual RAUM · $81.4M to $187M
May 7, 2025 to Mar 26, 2026
Non-discretionary RAUM · $0 to $18.0M
May 7, 2025 to Mar 26, 2026
Pension RAUM · $12.4M to $18.0M
May 7, 2025 to Mar 26, 2026
RAUM · $177M to $253M
May 7, 2025 to Mar 26, 2026
Financial planning clients · 1-10 to 1-10
Mar 18, 2025 to May 7, 2025
Accounts · 663 to 1,124
Jul 25, 2024 to Mar 18, 2025
Advisory employees · 1 to 3
Jul 25, 2024 to Mar 18, 2025
HNW clients · 42 to 45
Jul 25, 2024 to Mar 18, 2025
Individual clients · 537 to 359
Jul 25, 2024 to Mar 18, 2025
Pension plan clients · 7 to 9
Jul 25, 2024 to Mar 18, 2025
Financial planning clients · 11-25 to 1-10
Jul 25, 2024 to Mar 18, 2025
State-registered IARs · 1 to 3
Jul 25, 2024 to Mar 18, 2025
Discretionary RAUM · $154M to $177M
Jul 25, 2024 to Mar 18, 2025
HNW RAUM · $45.0M to $83.2M
Jul 25, 2024 to Mar 18, 2025
Individual RAUM · $109M to $81.4M
Jul 25, 2024 to Mar 18, 2025
Non-discretionary RAUM · $7.0M to $0
Jul 25, 2024 to Mar 18, 2025
Pension RAUM · $7.0M to $12.4M
Jul 25, 2024 to Mar 18, 2025
RAUM · $161M to $177M
Jul 25, 2024 to Mar 18, 2025
Accounts · 885 to 663
May 18, 2023 to Mar 4, 2024
BD registered reps · 1 to 0
May 18, 2023 to Mar 4, 2024
HNW clients · 10 to 42
May 18, 2023 to Mar 4, 2024
Individual clients · 350 to 537
May 18, 2023 to Mar 4, 2024
Pension plan clients · unset to 7.0
May 18, 2023 to Mar 4, 2024
Discretionary RAUM · $112M to $154M
May 18, 2023 to Mar 4, 2024
HNW RAUM · $12.0M to $45.0M
May 18, 2023 to Mar 4, 2024
Individual RAUM · $100M to $109M
May 18, 2023 to Mar 4, 2024
Non-discretionary RAUM · $0 to $7.0M
May 18, 2023 to Mar 4, 2024
Pension RAUM · unset to 7000000.0
May 18, 2023 to Mar 4, 2024
RAUM · $112M to $161M
May 18, 2023 to Mar 4, 2024

Signals

2 dated events

L•••• D• S••••• left S••••••• R••••••••• G•••• O• S••••••••• for R•••••••• I••••••••• L•• (registered 2016-02-25)
Mar 24, 2025 · Advisor changed firm · fact
S••••••• R••••••••• G•••• O• S••••••••• filed its initial SEC registration (Form ADV)
Mar 30, 2023 · First SEC registration · fact

Across DFX

shared identifiers only, never a name match

No identifier-backed link to the venture, private equity, family office or sponsor graphs.

How to reach

public business contact points only, each with its source

Business phone: 916-724-1702reportedpublished by the firm, firm site, Sep 15, 2026
Business phone: 916-724-1712reportedpublished by the firm, firm site, Sep 15, 2026
Website: S•••••••RETIRE.COMreportedpublic record, Form ADV, Sep 21, 2026
Principal office phone: 916-724-1702reportedpublic record, Form ADV, Mar 26, 2026
Contact form: sterlingretire.com/contact-usreportedpublished by the firm, firm site, Sep 15, 2026
Team page: sterlingretire.com/meet-the-teamreportedpublished by the firm, firm site, Sep 15, 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: $63.3Mderivedfirm RAUM over the IAPD count; not a book size
Loaded: Sep 14, 2026