# Constance Millahn

> Constance Millahn is a fee-only financial advisor at Sterling Financial Planning in Sparta, New Jersey, who holds the CFP credential. Sterling Financial Planning reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/constance-millahn/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** Sterling Financial Planning
- **Based in:** Sparta, New Jersey
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $760.8M across 1,639 accounts
- **Credentials:** CFP
- **CRD:** 6062048 (https://adviserinfo.sec.gov/individual/summary/6062048)
- **SEC registration:** Investment adviser representative in NJ
- **Exams passed:** Series 66 (2012)
- **Firm size:** 8 employees
- **Disclosures:** None reported
- **Website:** http://www.sterlingadvice.com

## Frequently asked questions

### Is Constance Millahn a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Constance holds no broker registration, and Sterling Financial Planning reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Constance charge for financial advice?

Constance's firm, Sterling Financial Planning, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Constance Millahn based?

Constance Millahn is based in Sparta, New Jersey.

### What credentials does Constance Millahn hold?

Constance Millahn holds the CFP credential.

### Is Constance Millahn registered with the SEC?

Yes. Constance Millahn is registered as an investment adviser representative in NJ (CRD 6062048), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Sterling Financial Planning manage?

Sterling Financial Planning reports $760.8M across 1,639 accounts in assets under management.

### How do I contact Constance Millahn?

Through Constance's website, www.sterlingadvice.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/6062048): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026

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