Cindy Sterling
Sterling Financial Planning · New York, New York
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).
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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 |
| SEC registration | Investment adviser representative in LA, NY, TX · CRD 4648560 |
| Firm size | 1 employee |
| Disclosures | None reported |
| Website | sterlingfinancialplan.com |
How Cindy's firm compares
- Ongoing planning starts at $5,400 a year, above the New York median of $3,600 for fee-only firms that publish prices.
- A one-time plan starts at $3,000, above the New York median of $2,500 for fee-only firms that publish prices.
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Questions about Cindy
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.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Where this information comes from
- NAPFA directory listing : NAPFA admits only fee-only advisors
- Sterling Financial Planning website : specialties, clients served, and fees, checked October 28, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 27, 2026
- Directory listing last checked April 21, 2026.
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