Stirlingshire
Stirlingshire is a fintech wealth management platform offering UHNW and HNW investors self-directed, advice-on-demand, and full-service options, while providing independent financial advisors a 100% payout, zero platform-fee operating stack built on a multi-agent AI system with integrated custody through compliance.
- Company typePrivate
- Founded2020
- HeadquartersNew York, United States
- Headcount1–10
- GTM typeB2B and B2C
- OfferingSoftware
What Stirlingshire does
Stirlingshire Investments, Inc. operates a vertically integrated wealth management platform that consolidates custody, brokerage, investment advisory, and compliance into a single SEC-registered system. The company serves two distinct customer bases through separate subsidiaries: independent financial advisors — who receive 100% of advisory revenue with zero platform fees via Stirlingshire BD LLC (broker-dealer, FINRA/SIPC member) — and HNW/UHNW investors, who access services through Stirlingshire RIA LLC (SEC-registered investment adviser) across three tiers: zero-commission Self-Directed Trading, pay-per-use Advice OnDemand, and Full Service Management. Clearing and custody are outsourced to Apex Clearing Corporation on a fully disclosed basis, allowing Stirlingshire to deliver institutional-grade infrastructure without operating its own clearing firm. The company markets a "national footprint" and lists approximately 30 registered investment advisors, though core operating headcount is reported at 1-10.
Stirlingshire firmographics
Firmographics- Name
- Stirlingshire
- Legal name
- Stirlingshire Investments, Inc.
- Website
- https://stirlingshire.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Stirlingshire is a fintech wealth management platform offering UHNW and HNW investors self-directed, advice-on-demand, and full-service options, while providing independent financial advisors a 100% payout, zero platform-fee operating stack built on a multi-agent AI system with integrated custody through compliance.
- Ownership category
- akta.pro rank
Stirlingshire industry classification
Industry- Product category
- Wealth Management Technology
- NAICS
- Portfolio Management and Investment Advice (523940)
- SIC
- Investment Advice (6282), Security Brokers, Dealers & Flotation Companies (6211)
- akta.pro primary industry
- Comprehensive/Full-Service RIAs & Independent Wealth Managers (FSAAACAA)
- akta.pro secondary industries
- Registered Investment Advisor (RIA) Wealth Management (FSAEABAA), Independent Broker-Dealers (Retail Network) (FSAAAAAC)
Keywords
Where Stirlingshire is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Stirlingshire business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure, Others
Revenue model
- Advisory Fees: Advisory fees from AUM-based charges for full-service managed accounts and investment advisory services.
- Margin Interest: Revenue from margin lending to clients who borrow against their portfolio positions.
- Sweep Program Revenue: Revenue generated from cash sweep programs where client uninvested cash is swept into interest-bearing accounts.
- Fully Paid Stock Lending: Revenue from lending fully paid securities to institutional borrowers, with clients retaining ownership.
- Self-Directed Trading Commissions: Zero-commission self-directed trades generate revenue through payment for order flow and other execution-related revenue streams.
- Advice OnDemand Fees: Pay-per-use fees for clients requesting personalized trading advice from licensed representatives on the Advice OnDemand tier.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Pay-as-you-go | 100% Advisor Payout - Zero Platform Fees |
| Freemium | Pay-as-you-go | Self-Directed - Zero Commission |
| Usage-based | Pay-as-you-go | Advice OnDemand - Pay Per Use |
| Subscription | Monthly | Full Service - Fully Managed |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels5 records
Stirlingshire product offering
Product offeringCore offering
Stirlingshire operates a vertically integrated wealth management technology platform delivered through SEC-registered subsidiaries Stirlingshire RIA LLC (investment adviser) and Stirlingshire BD LLC (broker-dealer). The platform provides independent financial advisors with a 100% payout and zero platform-fee operating environment, and provides ultra-high-net-worth investors with self-directed trading, on-demand advisory, and fully managed wealth services. All custody and clearing are performed through Apex Clearing Corporation.
Product overview
Stirlingshire is a vertically integrated wealth management platform providing custody through compliance as a unified system. The core platform combines Stirling AI (multi-agent AI system), Portfolio Management, Trading & Execution, Research & Analytics, Compliance & Governance, CRM, Voice & Telephony, Tax Intelligence, and Client Portal modules. Advisors access the platform for 100% payout with zero platform fees, while clients can choose Self-Directed Trading (zero commission), Advice OnDemand (pay-per-use), or Full Service Management. All services utilize Apex Clearing for custody and clearing, with SEC and FINRA registrations through Stirlingshire RIA LLC and Stirlingshire BD LLC.
Differentiator
Problem solved
Functional benefit
Products and services
- Advisor Platform (100% Payout, Zero Platform Fees) Operating platform for independent financial advisors and RIAs offering a 100% payout, zero platform-fee structure with full custody-through-compliance technology stack including Stirling AI, automated rebalancing, direct indexing, built-in CRM, compliance supervision, and 15 automated report types. Targets senior advisors with established books of business seeking independence from incumbent custodian platforms.
- Self-Directed Trading Zero-commission self-directed trading service for individual investors using proprietary iOS and Android apps and the client web portal, including AI-powered portfolio tools, real-time analytics, and automated tax-loss harvesting. Designed for investors who want full control of their own trading and portfolio management.
- Advice OnDemand Pay-per-use advisory tier that pairs a self-directed investor with a dedicated licensed representative for personalized trading advice and portfolio guidance, accessible through the app, email, or phone. Designed for clients who want to self-direct but with on-demand access to a human advisor.
- Full Service Management Fully managed wealth management service with a dedicated professional money manager handling portfolio construction, rebalancing, tax strategy, ongoing oversight, and comprehensive financial planning. Targeted at investors seeking a delegated, hands-off wealth management experience with institutional-grade execution and tax optimization.
Quantifiable outcome
- Tax Alpha +2.3% YTD with $14.2M harvested
- +3 more outcomes
Companies that use Stirlingshire
Customer profileNamed customers5 records
Segments3 records
Ideal customer profiles2 records
Stirlingshire technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability8 records
Feature6 records
Stirlingshire partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered minor and core.
- BoardyminorAI-powered professional connections platform partnership targeting elite financial advisors seeking zero-expense, fully remote platform. Uses AI-driven voice and messaging to match participants based on goals and backgrounds. Partnership aims to expand deal flow and advisor recruitment.
- FinaliscoreGlobal private-markets platform partnership combining Finalis' network and compliance infrastructure with Stirlingshire's client-centric platform. Collaboration aims to modernize wealth management and improve operational flexibility and client service in the financial advisory industry.
- Apex Clearing CorporationcoreCustody and clearing firm providing fully disclosed brokerage services. All securities and accounts are held and titled at Apex Clearing. Partnership enables Stirlingshire BD LLC to offer institutional-grade custody with segregated client accounts.
- APEX ClearingcoreClearing firm through which Stirlingshire BD LLC operates on a fully disclosed basis. Provides securities custody and account titling services for all client assets.
Scale indicators5 records
Recent moves6 records
Expansion highlights6 records
Stirlingshire competitors and assessment
Company assessmentDirect peers
- Orion Advisor Solutions: Turnkey asset management platform serving RIAs with portfolio accounting, rebalancing, and CRM. Directly comparable to Stirlingshire's vertically integrated wealth tech stack targeting independent advisors.
- Addepar: Wealth management technology platform for UHNW families and advisors with portfolio analytics, reporting, and data aggregation. Comparable in serving high-net-worth advisors with institutional-grade tooling.
- Envestnet: Large TAMP providing advisory platform, portfolio management, and data analytics to RIAs. Closest incumbent analog in delivering integrated advisor technology stack.
- Black Diamond (Advent): Wealth management platform providing portfolio reporting, rebalancing, and client portal for RIAs. Comparable advisor-facing technology with similar performance and client portal focus.
- Hightower Advisors: Wealth management firm providing advisor practice management, technology, and custody to independent advisors. Comparable business model providing infrastructure for breakaway advisors.
Emerging players
- Altruist: Digital custodian and RIA platform offering integrated custody, account management, and investment tools at lower cost. Comparable in targeting advisor economics with vertically integrated technology.
- CAIS: Alternative investments platform connecting RIAs to private markets and hedge funds with Mercer due diligence. Comparable in delivering institutional-grade private market access through advisor distribution.
- iCapital Network: Private markets platform providing alts access, due diligence, and technology to wealth advisors. Comparable in the private-markets-for-wealth distribution thesis that Stirlingshire pursues via Finalis.
- Sanctuary Wealth: Wealth platform providing advisor transition support, technology stack, and compliance for breakaway advisors. Comparable in attracting senior advisors with favorable economics and integrated infrastructure.
Broad incumbents
- Charles Schwab Institutional: Largest custodian and RIA services provider with integrated platform, custody, and advisor technology. The dominant incumbent whose advisor economics Stirlingshire is actively disrupting.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Stirlingshire social profiles
Digital presenceStirlingshire compliance and trust
Trust signalCompliance3 records
Stirlingshire financial estimates
Financial estimateRevenue estimate
Valuation estimate
Stirlingshire leadership team
Management profileNumber of profiles
Profiles10 records
Stirlingshire subsidiaries and ownership
Company hierarchySubsidiaries2 records
Stirlingshire funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Stirlingshire M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Stirlingshire
What does Stirlingshire do?
Stirlingshire operates a vertically integrated wealth management technology platform delivered through SEC-registered subsidiaries Stirlingshire RIA LLC (investment adviser) and Stirlingshire BD LLC (broker-dealer). The platform provides independent financial advisors with a 100% payout and zero platform-fee operating environment, and provides ultra-high-net-worth investors with self-directed trading, on-demand advisory, and fully managed wealth services. All custody and clearing are performed through Apex Clearing Corporation.
Is Stirlingshire a public or private company?
Stirlingshire is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Stirlingshire founded?
Stirlingshire was founded in 2020. It employs 1 to 10 people.
Where is Stirlingshire based?
Stirlingshire is headquartered in New York, United States, in the North America region.
How does Stirlingshire make money?
Six revenue lines are on record. Advisory Fees are the primary driver. The others are margin Interest, sweep Program Revenue, fully Paid Stock Lending, self-Directed Trading Commissions and advice OnDemand Fees.
Who are Stirlingshire's main competitors?
Direct peers on record are Orion Advisor Solutions, Addepar, Envestnet, Black Diamond (Advent) and Hightower Advisors. Emerging players are Altruist, CAIS, iCapital Network and Sanctuary Wealth. Charles Schwab Institutional is listed as a broad incumbent.
Does Stirlingshire have an API?
No public API is recorded for Stirlingshire.
What industry is Stirlingshire in?
Stirlingshire's product category is Wealth Management Technology. Its primary akta.pro industry code is FSAAACAA, Comprehensive/Full-Service RIAs & Independent Wealth Managers, with a secondary code of FSAEABAA, Registered Investment Advisor (RIA) Wealth Management. Its NAICS code is 523940 and its SIC code is 6282.