Clarity and confidence for every financial decision.
Sterling & Vale is a fee-only advisory firm helping families and founders plan, invest, and build lasting wealth — with transparent advice that always puts your interests first.
- Fiduciary, always
- Transparent flat-fee planning
- Goals-based investing
Your plan at a glance
Advisory built around your life
Every engagement starts with understanding your goals. From there we build a plan and stay with you as life changes.
Financial Planning
A comprehensive, written plan covering cash flow, goals, insurance, and the milestones that matter most to you.
- Cash-flow strategy
- Goal roadmapping
- Insurance review
- Annual plan updates
Investment Management
Low-cost, globally diversified portfolios designed around your goals, timeline, and comfort with risk.
- Goals-based portfolios
- Tax-aware rebalancing
- Low-cost funds
- Ongoing oversight
Retirement Strategy
Model your path to retirement and beyond — withdrawal strategy, Social Security timing, and income planning.
- Retirement modeling
- Withdrawal strategy
- Social Security timing
- Income planning
A clear path to your plan
Working with us is straightforward and pressure-free from the very first conversation.
Discovery Call
A complimentary conversation to understand your goals and see if we are a fit.
Deep Dive
We gather the full picture — income, assets, obligations, and priorities.
Your Plan
We present a clear, written plan with prioritized, actionable recommendations.
Ongoing Guidance
We implement together and meet regularly to keep your plan on track.
Transparent, flat-fee planning
Choose the level of support that fits where you are today. Every tier is fee-only with no commissions or product sales.
Foundations
For getting organized
- Flat fee
One-Time Financial Plan
Comprehensive written plan & roadmap
- Included
Two Planning Sessions
Deep-dive and plan presentation
- Included
90-Day Follow-Up
Implementation check-in
Wealth Partnership
Ongoing advisory
- Included
Dedicated CFP® Advisor
A real relationship, not a call center
- Included
Investment Management
Goals-based, tax-aware portfolios
- Included
Year-Round Planning
Tax, retirement & estate coordination
Frequently asked questions
Straightforward answers about how we work and what to expect.
Fee-only means our only compensation comes directly from you — never from commissions, product sales, or third-party kickbacks. This removes hidden incentives so our advice is always aligned with your interests.
Ready to plan with confidence?
Start with a complimentary discovery call and see what independent, fiduciary advice feels like.