# Cindy Sterling

> Cindy Sterling is a fee-only financial advisor at Sterling Financial Planning in New York, New York, who holds the ChFC, MS and RLP credentials. Cindy charges a flat fee or retainer and an ongoing planning fee (ongoing planning from $5,400 a year and one-time plans from $3,000).

Page: https://find.wellspent.co/advisors/cindy-sterling/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** Sterling Financial Planning
- **Based in:** New York, New York
- **Fee model:** Flat fee or retainer; Ongoing planning fee
- **Fees (firm's website):** ongoing planning from $5,400 a year; one-time plans from $3,000; no asset minimum
- **Credentials:** ChFC, MS, RLP
- **CRD:** 4648560 (https://adviserinfo.sec.gov/individual/summary/4648560)
- **SEC registration:** Investment adviser representative in LA, NY, TX
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** http://sterlingfinancialplan.com

## Frequently asked questions

### Is Cindy Sterling a fee-only financial advisor?

Yes. Cindy Sterling is listed in the NAPFA directory (NAPFA admits only fee-only advisors). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Cindy's firm.

### How does Cindy charge for financial advice?

Cindy charges a flat fee or retainer and an ongoing planning fee.

### How much does Cindy charge?

According to Sterling Financial Planning's website, checked October 28, 2026: ongoing planning from $5,400 a year; one-time plans from $3,000; no asset minimum.

### Where is Cindy Sterling based?

Cindy Sterling is based in New York, New York.

### What credentials does Cindy Sterling hold?

Cindy Sterling holds the ChFC, MS and RLP credentials.

### Is Cindy Sterling registered with the SEC?

Yes. Cindy Sterling is registered as an investment adviser representative in LA, NY and TX (CRD 4648560), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How do I contact Cindy Sterling?

Through Cindy's website, sterlingfinancialplan.com.

## Sources

- NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/65): NAPFA admits only fee-only advisors
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://sterlingfinancialplan.com/): specialties, clients served, and fees, checked October 28, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.