History of Sterling Financial Management

Dave Neterer founded the firm in December 2009 to better serve you – the client. Since establishing Sterling Financial Management, Dave has been joined by five other LPL Financial Advisors. Dave Neterer and Ken Smith, two advisors with over 45 years’ experience, have an office located in Hagerstown and are supported by LPL Registered Sales Assistant, Cortnie House and our Administrative Assistant, Courtney Dowler. Ned Remavege, Michael Fyock, and Kelly Batey, three advisors with over 35 years’ experience, have an office located in Frederick MD. Judd McCoy is an advisor with over 28 years of experience and is working out of Annapolis, MD.

We work hard to help simplify our clients’ financial lives, optimize their investments, and provide a financial plan for the future. We use a consultative process to help them grow and protect their wealth and pursue their most important financial goals with a reliable process. We have a multitude of alternatives for conducting true, objective financial planning and asset management. We specialize in financial planning, investment management, insurance, college funding, tax, estate and retirement planning for both individuals and businesses.

The consultants of Sterling Financial Management have partnered with LPL Financial, one of the largest organizations of independent financial representatives in the country*.  Clients have $268.9 billion in brokerage and advisory assets with LPL Financial as of 9/30/09.  They offer their independent advisors access to research on stocks, bonds, mutual funds, annuities, and asset managers across every asset class.  With no proprietary products, LPL Financial is able to offer truly independent advice.  These services greatly enable Sterling Financial Management to effectively help their clients by offering impartial solutions to the challenges of wealth accumulation, protection, and management.

* As reported by Financial Planning magazine, June 1996-2010, based on total revenue.


Mission Statement                                                                           

Our firm is committed to helping investors reach their life’s goals through proactive planning and prudent investing. Our team creates a financial roadmap by asking the right questions so that you can attain your financial goals and peace of mind.  Clients will have access to technology and financial information that will help them understand their total financial picture and their progress towards reaching their goals.  We provide measurable results in an easy and understandable way and will make sure our client’s legal, insurance, and investment plans are working together.


To provide financial planning and investment management guidance in an understandable down- to-earth approach.  Present client’s historical overall net worth and investment growth in simple logical reports.  Be accountable to their goals and objectives and provide measurable reports about their progress.

To provide a single online source for a client’s “Financial House” which would include; bank accounts, investment accounts, retirement accounts, wills, trusts and powers-of-attorney.  Not only will they be able to view their total financial picture – they will also be able to access all of their important documents online.


Our firm uses a total wealth management approach. Each area is important individually, but managing them all collectively is one of the most important considerations in your overall financial success. By keeping clients’ objectives in focus, staying in contact with them throughout all market conditions and making investment adjustments as economic or lifestyle conditions warrant, our firm maintains a constant commitment to putting service and our clients’ interests first.

We provide our clients:

  • Provide recommendations
  • Measurable performance
  • Easy to read statements
  • Combined reporting of investments
  • Yearly reporting of net worth
  • Risk Tolerance profiling
  • Portfolio Risk projections and modeling
  • Retirement income planning
  • Proactive planning and a sound investment strategy

Hagerstown, MD  - Martinsburg, WV  - Frederick, MD

Copyright © 2010-2011 Sterling Financial Management, Inc. All rights reserved.

Securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC. The LPL Financial representative associated with this website may discuss and/or transact securities business only with residents of the following states: DC, DE, FL, GA, IN, MD, MI, NC, NJ, PA, VA, WV.

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