STERLING INVESTMENT ADVISORS LTD.

CRD 140710File 801-66769

APPROVED

Retail clients

Custody

Filing as of Mar 21, 2026

Feed vintage Aug 17, 2026

Regulatory AUM

$1.08B

Above cohort median (national)

Discretionary AUM

$1.08B

Clients

442

1,611 accounts

Employees

Above cohort median in PA

Identity & registration

ADV Item 1

Organization form: Corporation
Firm type: Registered
SEC region: PLRO
Registration date: May 31, 2006
Principal office: 1055 WESTLAKES DRIVE, SUITE 150, BERWYN, PA, 19312
Phone: 610-560-0400
Website: https://www.linkedin.com/in/matthew-croley-09345315b/

Assets & accounts

ADV Item 5F

Total regulatory AUM: $1.08B
Discretionary AUM: $1.08B
Non-discretionary AUM: $0
Discretionary accounts: 1,611
Non-discretionary accounts: 0
Total accounts: 1,611
AUM per client: $2.4M

Clients by type

ADV Item 5D

Client type	Clients	AUM
Other	6	$5.0M
Charitable organizations	Fewer than 5	$2.2M
High net worth individuals	194	$1.01B
Pension and profit sharing plans	Fewer than 5	$781K
Individuals (other than high net worth individuals)	242	$58.0M

Compensation & activities

ADV Items 5E, 5G

Compensation

Fixed fees
Hourly charges
A percentage of assets under your management

Advisory activities

Financial planning services
Selection of other advisers
Portfolio management for other
Portfolio management for individuals and/or small businesses

Custody

ADV Item 9

Firm Custody Cash: Yes
Firm Custody Assets: No
Firm Custody Clients: No
Firm Custody Securities: Yes
Related Person Custody Cash: No
Related Person Custody Assets: No
Related Person Custody Clients: No
Related Person Custody Securities: No

Disclosure events

ADV Item 11

This firm answered no to every Item 11 disclosure question in this filing.

Filed changes

Date	Field	From	To
Aug 12, 2026	Registration	—	APPROVED

Every value above is reproduced from this firm's Form ADV filing. Fields the firm left blank are shown as “Not reported” rather than filled in from other sources.