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
Limitations. Awards, 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 the investment professional or the investment professional’s firm is engaged, or continues to be engaged, to provide investment advisory services.
The Leading Advisors Award was awarded by Worth Magazine in 2024. This award recognizes leaders in their field and pioneers in adapting to market changes and the evolving needs of affluent clients. Worth’s editorial staff works with ISS Market Intelligence and evaluates registered investment firms and financial advisors and identifies the top firms. The Leading Advisor Award benchmarks are assets under management of over $500 million, predominantly high-net-worth clients, substantial planning clientele, and independence from broker-dealers. Data for the evaluation comes from the N-PX disclosure forms these companies are required to file with the U.S. Securities and Exchange Commission (SEC). A fee was not paid by either the investment professional or the investment professional’s firm to receive the ranking and the firm did not solicit clients or community members to nominate. Sterling Investment Advisors, Ltd. A fee was paid to Worth Magazine’s for advertisements after the ranking was announced. More information regarding this award, including the methodology, can be found at https://worth.com/leading-advisors/methodology/.
No award, ranking or recognition should be construed as an endorsement by any past or current client of the investment professional or the investment professional’s firm. Sterling Investment Advisors, Ltd.’s Chief Compliance Officer remains available to address any questions regarding awards, ranking or recognitions, including providing the criteria used for any award, ranking or recognition.
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.
