Sterling Investment Advisors, LLC, is a fee-based firm and does not work on a commission basis. Investment management fees are charged on a percentage-of-assets basis. On an annual basis the fees are 1.25% on the first $250,000; 1.0% up to $500,000; .75% up to $1,000,000; and .65% on the balance of the assets under management.

Financial planning advice for clients that have employed Sterling Investment Advisors, LLC to manage an investment account is included in the investment management fee. Clients are urged to contact Sterling Investment Advisors, LLC with any financial planning questions as part of this value-added service.

A $100 per hour fee is assessed to individuals who desire only financial planning advice.

The fee charges by the Advisor is in addition to any fee charges by the mutual fund/annuity, in which Investor’s funds are placed, as more specifically described in the Prospectus provided by the mutual fund/annuity. Such fees may include, but are not limited to, exchange fees, management fees and fees allowable under Rule 12b-1 under the Investment Company Act of 1940.