Disclosures

IMPORTANT DISCLOSURES

Sterling Investment Advisors, Ltd. (“SIA”) is an SEC registered investment adviser located in Berwyn, Pennsylvania.  A copy of the SIA current written disclosure Brochure discussing our advisory services and fees continues to remain available upon request.

The SIA may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. The SIA’s web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of the SIA’s web site on the Internet should not be construed by any consumer and/or prospective client as SIA’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet.  Any subsequent, direct communication by the SIA with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides.  A copy of the SIA’s current written disclosure Brochure and Form CRS discussing the SIA’s business operations, services, and fees is available on this web site and/or from SIA upon written request. The SIA does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to the SIA’s web site or incorporated herein, and takes no responsibility therefore.  All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

Please remember that different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment or investment strategy (including those undertaken or recommended by the SIA), will be profitable or equal any historical performance level(s).

Certain portions of the SIA’s web site (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, the SIA (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date.  Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s).  Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from SIA, or from any other investment professional. The SIA is neither an attorney nor an accountant, and no portion of the web site content should be interpreted as legal, accounting or tax advice.

To the extent that any client or prospective client utilizes any economic calculator or similar interactive device contained within or linked to SIA’s web site, the client and/or prospective client acknowledges and understands that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from the SIA, or from any other investment professional.

Each client and prospective client agrees, as a condition precedent to his/her/its access to SIA’s web site, to release and hold harmless the SIA, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from the SIA.

THIRD PARTY RANKINGS

Please Note: Ranking Limitations. Neither rankings nor recognitions by unaffiliated rating services, publications, media, or other organizations,  nor the achievement of any professional designation, certification, degree, or license, membership in any professional organization, or any amount of prior experience or success, should be construed by a client or prospective client as a guarantee that the client will experience a certain level of results if Sterling Investment Advisors, Ltd. is engaged, or continues to be engaged, to provide investment advisory services. The ranking is based upon specific criteria and methodology (see ranking methodology). No ranking or recognition should be construed as an endorsement by any past or current client of Sterling Investment Advisors, Ltd.

Worth Best Leading Advisors Selection Methodology

The core value of the Leading Advisor program to our readers lies in its rigorous selection process and the credibility it bestows upon each listed advisor. Featured Registered Investment Advisor firms has successfully cleared stringent benchmarks:

• AUM of Over $500 Million: Demonstrates substantial experience and trust in handling significant wealth.
• Predominantly High-Net-Worth Clients: Shows specialized expertise in managing the complex financial situations typical of wealthier clients.
• Substantial Planning Clientele: Indicates a focus on comprehensive financial planning rather than simple asset management.
• Independence from Broker-Dealers: Ensures advice is unbiased and purely client-centric.

The rankings were developed in collaboration with Institutional Shareholder Services (ISS), a proxy advisory firm that helps investors comply with SEC rules for Form N-PX disclosure of proxy voting records. The Securities and Exchange Commission (SEC) requires companies to compile and present financial and business information, reports, and disclosures to provide transparency to investors and the public. Leading Advisor assessments are based on the data that firms submit to the SEC in these disclosures. The public can review SEC filings through the commission’s online database, EDGAR.

PRIVACY POLICY

Sterling Investment Advisors, Ltd. (“SIA”) maintains physical, electronic, and procedural safeguards that comply with federal standards to protect its clients’ nonpublic personal information (“information”).  Through this policy and its underlying procedures, SIA attempts to secure the confidentiality of customer records and information and protect against anticipated threats or hazards to the security or integrity of customer records and information. 

It is the policy of SIA to restrict access to and/or the sharing of all current and former clients’ information (i.e., information and records pertaining to personal background [including social security number and address], investment objectives, financial situation, financial planning issues, tax information/returns, investment holdings, account numbers, account balances, etc.) to those employees and affiliated/nonaffiliated entities who need to know that information in furtherance of the client’s engagement of SIA. 

SIA shall disclose, as necessary, the client’s information: (1) to unaffiliated service providers and vendors  in furtherance of establishing, maintaining, and reporting on the client’s SIA relationship (i.e., broker-dealer, account custodian, record keeper, technology, performance reporting, customer relationship  management software [CRM], proxy voting, insurance, independent managers, sub-advisers, etc.); (2) required to do so by judicial or regulatory process; or (3) otherwise permitted to do so in accordance with applicable federal and/or state privacy regulations.

However, SIA does not, and shall not, disclose or share information with any affiliated or nonaffiliated persons, entities or service providers for marketing or any other purposes or reasons not referenced above.

ANY QUESTIONS OR CONCERNS: Should you have any questions regarding the above, please contact Catherine Whetstone, Chief Compliance Officer.

WEBSITE LINKS

Our website contains links to other web sites. Sterling Investment Advisors, Ltd. is not responsible for the privacy practices or the content of such websites.