Sterling Financial Management, Inc. is a comprehensive financial services firm committed to helping you improve your long-term financial success. We customize strategies that help you transform your prosperity into a lifestyle for today and a legacy for your future.

Dave Neterer founded the firm in December 2009  to better serve you – the client.   In December of 2010, Dave was joined by three other financial advisors and a registered sales assistant and client service specialist.  Ned Remavege and Michael Fyock, two advisors with over 35 years experience, have opened an office in Frederick MD and are supported by Kelly Batey.  Steve Hose, CFP®, ChFC® is a CERTIFIED FINANCIAL PLANNER^TMprofessional as well as a Charter Financial Consultant and has over 15 years experience and is working out of Martinsburg WV.

We work hard to help simplify our clients’ financial lives, optimize their investments, and organize their personal financial planning.   It is 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, unbiased financial planning and conflict free discretionary asset management.  We specialize in investment, insurance, college funding, tax, estate planning and retirement for both individuals and businesses.

David Neterer
Hagerstown, MD

Steve Hose
Martinsburg, WV

Ned Remavege
Frederick, MD

Michael Fyock
Frederick, MD