Sterling is an AI Platform,
Built for the Solo RIA.
The first AI Operating System (aOS) built exclusively for wealth management. Everything you need, one platform.
Core features Free Forever. No credit card required.
AI won't replace you.
AI will elevate you.
The best financial advisors are not threatened by AI, they are empowered by it. Spend less time creating advice and more time delivering it.
One-Click Financial Plans
Turn hours of analysis into a single click. Sterling drafts a complete, personalized financial plan, reviewed and refined by you, ready to deliver to your client.
Capture more value for your clients
Sterling automatically evaluates hundreds of strategies across tax, estate planning, insurance, and investments, surfacing the highest-impact opportunities for every client.
- Automate plan creation so you can focus on relationships
- Generate personalized recommendations in minutes
- Stay compliant with AI-powered documentation
- Deepen client relationships with more face time
Backdoor Roth Contribution
Convert non-deductible IRA contributions to Roth for tax-free growth...
Estimated Value
$18,500
Timeframe
Establish AB Trust
Structure estate with bypass trust to maximize estate tax exemptions...
Estimated Value
$125,000
Timeframe
HSA Contribution
Maximize health savings account for triple tax advantage benefits...
Estimated Value
$8,300
Timeframe
Donate Appreciated Securities
Gift long-term appreciated stock to charity to avoid capital gains...
Estimated Value
$42,000
Timeframe
Net Unrealized Appreciation
Distribute employer stock from 401(k) to leverage favorable NUA tax treatment...
Estimated Value
$67,500
Timeframe
Land Preservation Tax Credits
Donate conservation easement on qualifying land to receive state and federal tax credits...
Estimated Value
$95,000
Timeframe
Senior Property Tax Exemption
Apply for age-based property tax reduction to lower annual housing costs...
Estimated Value
$3,200
Timeframe
Premium Tax Credit
Optimize MAGI to maximize ACA marketplace health insurance premium subsidies...
Estimated Value
$12,400
Timeframe
Show clients exactly how you add value. Every year.
Stop wondering if clients understand your worth. Automatically track the value you create across every opportunity, every strategy, and every dollar saved.
2026 Opportunities
Tax Year 2026 • Last modified 3 days ago
Implemented Strategies
$23,600
Potential Strategies
$66,000 to $184,000
36% of identified value captured
$2,000
of $2,000 to $3,000
$3,000
of $4,000 to $7,000
$11,000
of $38,000 to $120,000
$6,000
of $19,000 to $45,000
$1,600
of $3,000 to $9,000
Quantified Impact
Every opportunity has a dollar value. Show clients the tangible financial impact of your recommendations ranging from tax strategies to insurance reviews.
Value Creation Reports
Generate comprehensive year-end reports that summarize all the value you've delivered. Perfect for client reviews and retention conversations.
Track Implementation
Monitor which strategies have been completed and which are still pending. Never let a valuable opportunity slip through the cracks.
One platform replaces your entire stack
Sterling brings together every capability advisors juggle across a dozen point solutions.
| Features | Sterling | eMoney | Right Capital | Hazel | Holistiplan | Salesforce | Wealthbox | Jump.AI | Zocks |
|---|---|---|---|---|---|---|---|---|---|
| Advice Engine | |||||||||
| Advice Management | |||||||||
| Financial Planning | |||||||||
| Tax Analysis | |||||||||
| Workflows | |||||||||
| Workspaces | |||||||||
| CRM | |||||||||
| Tasks | |||||||||
| Document Storage | |||||||||
| AI Notetaker | |||||||||
| AI Email | |||||||||
| AI Powered-Research | |||||||||
| Claude MCP Connector | |||||||||
| Pricing | UsageBased | ~$300per user/mo | $150per user/mo | $125per user/mo | $21.32per household/yr | $225per user/mo | $59per user/mo | $79per user/mo | $117per user/mo |
Pricing reflects publicly available starting/entry-tier rates as of May 2026 and is subject to change; Sterling pricing is usage-based. Several providers use tiered or custom pricing — check each provider's site for current details.
All product names and trademarks are the property of their respective owners. Sterling is not affiliated with, endorsed by, or sponsored by any of the companies listed.
It's time to end Application Sprawl
Disconnected solutions are costing advisors time and their workflows suffer.
Workflow Fragmentation
Digital fatigue reduces advisor performance.
Data Silos
Firms struggle with disconnected data.
Time Drain
Wasted time switching applications.
Sterling is more than just AI.
It's a Unified Platform
Win More Clients
Deliver Better Advice
The Advice Engine and Sterling Research tools allow you to capture more opportunities for clients, faster.
Generate Referrals
Enhance client satisfaction and generate more referrals by enhancing your wealth management advice.
Manage More AUM
Delivering quality advice faster allows you to spend less time analyzing and more time with clients.
Seamless Data Migrations
Moving off legacy solutions shouldn't hold you back. We make the switch streamlined, accurate, and simple — so you're up and running on Sterling fast.
Streamlined
A guided, fully managed migration off legacy tools like eMoney, Salesforce, and Wealthbox — no tedious manual re-entry.
Accurate
Every client record, document, and data point is mapped and validated, so nothing gets lost in the move.
Simple
White-glove onboarding handles the heavy lifting, so your team is productive on Sterling from day one.
Secure
Your data is encrypted in transit and at rest throughout the transition, with a clear audit trail at every step.
Record mapped & validated
Typical migration timeline
Downtime during the switch
Dedicated migration support
How a migration works
Discovery
We audit your current stack and scope every data source.
Mapping
Records, documents, and fields are mapped into Sterling.
Validation
Every record is checked for accuracy and completeness.
Go Live
Your team starts on Sterling with full history intact.
We migrate your data from
Product names and trademarks are the property of their respective owners. Sterling is not affiliated with or endorsed by these companies.
Protect Client Data while Leveraging AI
Many advisors unknowingly compromise client confidentiality when using consumer AI tools. These tools store all inputs, creating regulatory compliance risks and potential data breaches. Firms may be violating SEC and FINRA regulations without realizing it.
Sterling provides automatic personally identifable information (PII) detection and removal before AI processing, helping maintain client confidentiality, regulatory compliance, and secure AI interactions.
PII Detection & Removal
Automatically identifies and removes sensitive client information before processing
Secure Architecture
End-to-end encryption and enterprise-grade security protocols
Compliance Focused
Built to meet financial industry regulatory requirements
Continous Monitoring
Regular compliance assessments to stay ahead of emergining technologies
AI Top Priority for SEC Examiners in 2025
The latest guidance, best practices, and regulatory developments.
AI Usage Is Top Priority for SEC Examiners in 2025
See why the SEC is focusing on AI and what that means for advisory firms’ compliance programs.
SEC’s Proposed AI Rule for Investment Advisors: Best Practices
A practical look at the SEC’s draft rule, record-keeping requirements, and how to prepare your firm.
Financial Data Protection Laws
Key federal and state regulations that govern client-data privacy and steps RIAs should take to stay compliant.
Comprehensive AI Audit Logs for SEC Examination Readiness
Sterling's detailed audit trail captures every AI interaction, providing the transparency and accountability required to satisfy SEC examiners and demonstrate regulatory compliance.
Complete Documentation
Full record of all AI interactions and PII handling
Advanced Search
Quickly locate specific interactions for examiner review
Risk Flagging
Automatic identification of potential compliance issues
Tamper-Proof Records
Immutable logs that satisfy regulatory requirements
Who We Serve
Sterling is purpose-built for independent advisors and lean teams.
Solo Advisors
The challenge: You're paying for too many point solutions, and stitching them into one AI stack that actually works together falls entirely on you.
How Sterling helps
- AI notetaking, follow-up emails, and CRM updates run on autopilot — like adding staff without the payroll.
- One platform replaces your entire tech stack, so you stop paying for and switching between a dozen tools.
- Deliver institutional-quality advice with the Advice Engine and AI-powered research at your side.
- Spend less time on busywork and more time with clients — the work that actually grows your book.
Small RIAs
The challenge: Your team of three to five overspends on a patchwork of point solutions that never truly integrate, so they never add up to the powerful AI stack you're paying for.
How Sterling helps
- Shared workspaces, CRM, tasks, and documents keep your whole team working from one source of truth.
- Workflow automation scales your capacity — take on more clients without adding headcount.
- Built-in compliance and audit logs keep you covered as your AUM grows.
- Usage-based pricing means you only pay for what you use — no enterprise contracts.