# Marshall & Sterling Wealth Advisors

Marshall & Sterling Wealth Advisors is a Bank / Wealth / Trust based in Poughkeepsie, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Poughkeepsie, United States
- **Region:** North America
- **Address:** Poughkeepsie, NY, United States
- **Founded:** 2013
- **Assets under management:** 321 (Altss estimate)
- **Website:** ms-wealth.com
- **LinkedIn:** https://www.linkedin.com/company/marshallsterling

## Regulatory record

- **CRD number:** 164345
- **SEC file number:** 801-78688
- **Registration status:** APPROVED
- **Latest Form ADV filing:** 2026-05-12T05:00:00.000Z
- **Reports private funds:** No
- **Private funds reported:** 0
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/164345

## About

Founded in 2012, Marshall & Sterling Wealth Advisors operates as the registered investment-adviser arm of the larger Marshall & Sterling insurance enterprise. The firm advises individuals, high-net-worth individuals, trusts, and business entities, combining investment management with financial planning and pension consulting. Its planners explicitly coordinate with clients' tax and legal advisors, signaling a coordinated, rather than fully in-house, professional-services model. The firm's deployment framework rests on individualized financial planning — anchored by a proprietary "Focused Life Plan" that assesses 13 financial areas — rather than on institutional pooled vehicles. Core capabilities span individual wealth strategies, employer-sponsored retirement-plan consulting, and life- and long-term-care insurance solutions. The business sits on a hybrid regulatory foundation: securities are offered through LPL Financial, while advisory services flow through the registered investment adviser, which is a separate entity from LPL. Its planning-led model means the investment-committee function monitors and adjusts client portfolios in response to market conditions, but the firm does not publicly disclose a distinct asset-allocation policy or branded fund family. The firm's website notes a team with more than 150 years of combined industry experience, though it does not disclose headcount or the total number of client relationships. Its LPL-affiliated registered representatives hold licenses in roughly two dozen states, concentrated in the Northeast, Mid-Atlantic, Southeast, and West Coast. No dedicated venture, private-equity, or direct-investment vehicles are advertised. Marshall & Sterling Wealth Advisors' structural differentiator is its embedment within a property-and-casualty brokerage. This architecture flips the typical RIA acquisition funnel: the parent firm's insurance relationships create a pre-qualified pipeline of individuals and businesses that already trust the Marshall & Sterling name for risk management. The wealth unit then layers retirement planning and investment management onto those existing relationships, a bundling logic more common in bank-owned wealth channels than in independent advisory practices.

## Sectors

- Wealth Management
- Financial Planning

## Questions

### What is the relationship between Marshall & Sterling Wealth Advisors and LPL Financial?

The firm is a registered investment adviser that uses LPL Financial as its broker-dealer for securities transactions. The website explicitly states that Marshall & Sterling Wealth Advisors is a separate entity from LPL Financial, a structure common among hybrid RIAs that want to maintain advisory independence while accessing a large custodian's clearing, compliance, and product platform.

### In which states is Marshall & Sterling Wealth Advisors registered to do business?

The LPL-affiliated registered representatives are licensed to discuss and transact securities business in over 20 states, including Arizona, California, Colorado, Connecticut, Florida, Georgia, Maryland, Massachusetts, New Jersey, New Mexico, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Virginia, Washington, and Wisconsin. The firm itself is registered as an investment adviser with the SEC, with its principal place of business in New York.

### Does Marshall & Sterling Wealth Advisors disclose its assets under management publicly?

The firm does not publish an AUM figure on its website or in any easily accessible regulatory summary. Altss research estimates the firm's regulatory assets under management in the $300 million to $400 million range, an inference based on the firm's ADV filing and the scale typical of an LPL-affiliated RIA with its geographic footprint and service mix.

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- [CIT Bank](https://altss.com/profile/cit-bank)
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Last updated: 2026-08-11T02:43:31.692Z

Canonical page: https://altss.com/profile/marshall-sterling-wealth-advisors

Maintained by Altss — https://altss.com — methodology: https://altss.com/methodology