Stirlingshire

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.

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

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

• Wealth management platform
• Independent advisor technology
• AI portfolio management
• Direct indexing tax harvesting
• RIA broker-dealer services

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Advisory Fees: Advisory fees from AUM-based charges for full-service managed accounts and investment advisory services.
2. Margin Interest: Revenue from margin lending to clients who borrow against their portfolio positions.
3. Sweep Program Revenue: Revenue generated from cash sweep programs where client uninvested cash is swept into interest-bearing accounts.
4. Fully Paid Stock Lending: Revenue from lending fully paid securities to institutional borrowers, with clients retaining ownership.
5. Self-Directed Trading Commissions: Zero-commission self-directed trades generate revenue through payment for order flow and other execution-related revenue streams.
6. Advice OnDemand Fees: Pay-per-use fees for clients requesting personalized trading advice from licensed representatives on the Advice OnDemand tier.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core 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

Named customers5 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability8 records

Feature6 records

Partnerships

Four partnerships are on record, tiered minor and core.

• BoardyminorGTM or Marketing Partner · 18 March 2026AI-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.
• FinaliscoreTechnology or Integration · 5 November 2025Global 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 CorporationcoreTechnology or IntegrationCustody 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 ClearingcoreTechnology or IntegrationClearing 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

Direct 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

• LinkedInlinkedin.com/company/stirlingshire
• Xx.com/StirlingshireBD
• Facebookfacebook.com/stirlingshireinvestments

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Subsidiaries2 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Stirlingshire