Sterling Investment Management, LLC

Sterling Investment Management, LLC is an SEC-registered investment advisor founded in November 1995, providing sophisticated portfolio management services to high-net-worth individuals, endowments, foundations, and corporations across the United States. The firm's Chief Investment Officer is John H. Payne, CFA. Sterling offers investment advisory services on a fee-only basis, with portfolios customized to align with clients' financial goals. The firm predominantly invests in individual equity, fixed income, and alternative securities, with a focus on long-term investment strategies rooted in value investing. For clients with assets under management up to $5,000,000, Sterling charges a fee of 1.00%, which decreases for higher asset values. The firm generally requires a minimum annual fee of $10,000, paid quarterly in advance. Sterling may use soft dollars for research services and products, primarily through its custodian, Charles Schwab & Co. The firm exercises investment discretion, making decisions on securities, amounts, and brokers used, with a focus on best execution. The team at Sterling includes Arumayta M. Arguello, CFA, and Ross Patterson, CFP®, ChFC®, who contribute to portfolio management, research, and financial planning solutions. The firm upholds high ethical standards, with no disciplinary events to disclose. Clients are encouraged to visit the SEC's Investment Adviser Public Disclosure for more information. Sterling maintains custody through its custodian, Charles Schwab & Co., and conducts regular reviews of client accounts. The firm's investment philosophy emphasizes risk management and long-term capital appreciation.