Sterling Advisory Services is a registered investment advisor based in San Jose, California, owned and operated by Toby Koehler. The firm provides personalized asset management, comprehensive portfolio management, and financial planning and consulting services. Sterling Advisory Services helps clients design and supervise investment portfolios consisting of individual stocks, bonds, exchange-traded funds, mutual funds, options, and other public and private securities. In addition to managing investments on both a discretionary and non-discretionary basis, the firm offers comprehensive financial planning covering retirement, estate planning, tax strategies, education funding, insurance analysis, budgeting, and real estate evaluation. Sterling Advisory Services works primarily with individuals, high-net-worth individuals, trusts, estates, charitable organizations, and business entities.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $500K | 1.50% |
| $500K - $1.0M | 1.40% |
| $1.0M - $3.0M | 1.25% |
| $3M+ | 1.00% |
Rates reflect the Asset Management schedule. Comprehensive Portfolio Management includes financial planning and charges 1.75% for $500K or under, 1.65% for $500K-$1M, 1.50% for $1M-$3M, and 1.25% for over $3M. Fees may be negotiable.