David Neterer founded Sterling Financial Management, Inc. in December 2009 to better serve you – the client. Dave is joined by three LPL Private Wealth Managers: David Cushwa, Ken Smith and Kelly Batey, along with Courtney Dowler, Client Service Associate; Ally Sirbaugh, Marketing Director; Evan Vink, Financial Advisor Assistant;  Carlene Willhide, Office Manager and Winston.

Our private wealth managers work hard to help simplify our clients' financial lives, optimize their investments, and provide a financial plan for their future. We use a consultative process to help our clients grow and preserve their wealth and pursue their most important financial goals with a reliable process. We have a multitude of alternatives and tools for conducting true, objective financial planning and asset management. Sterling Financial Management, Inc. offers financial planning services, investment management, insurance, college funding, tax, real estate and retirement planning for both individuals and businesses.

Sterling Financial Management, Inc. has partnered with LPL Financial. 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 independent advice. These services greatly enable Sterling Financial Management, Inc. to effectively help our clients by offering objective strategies to the challenges of wealth accumulation, preservation and management. As of March 31, 2019, LPL finished with 16,189 advisors with $684 billion in total brokerage and advisory assets as noted on www.lpl.com.

Sterling Financial Management, Inc. has locations in Hagerstown and Frederick, Maryland.


  • To provide financial planning services and investment management guidance in an understandable down-to-earth approach. 

  • Present clients' 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.

  • Give a single online source for a client's “Financial House” which includes bank accounts, investment accounts, retirement accounts, wills, trusts and powers-of-attorney. Not only can they view their total financial picture – they can also access all of their important documents online.


 To fulfill dreams and pursue financial goals for our clients, providing them with results and financial independence.

Our Philosophy

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:
  • 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

1825 Howell Road,

Suite 5

Hagerstown, MD 21740

6919 Baltimore National Pike,

Suite C

Frederick, MD 21702

(301) 733-7777​​​
(301) 473-7777

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. 

Securities and Advisory services offered through LPL Financial. A registered investment advisor. Member FINRA & SIPC.


Check the background of investment professionals at Sterling Financial Management on FINRA's Broker Check.

The LPL Financial representative associated with this website may discuss and/or transact securities business only with residents of the following states: CO, DC, DE, FL, KS, KY, MA, MD, MI, MS, NC, NJ, OH, OR, PA, SC, TX, VA, WV.

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