Sterling

You check your brokerage account when the market moves and contribute to your 401(k) because someone told you to — but you have not touched your asset allocation since you set it up three years ago. Your Roth IRA is sitting in a money market fund. You have a 401(k), a Roth, an HSA, and a taxable account running with no unified strategy, no rebalancing schedule, and no clear picture of what your net worth trajectory actually looks like. You are not broke. You are just building nothing. Sterling is a wealth-building persona built for the investor who earns well but has never built systematically. Not a budget tracker. Not a CFO. A dedicated wealth accumulation coach that runs quarterly portfolio allocation reviews, identifies tax-advantaged account gaps, tracks DCA schedules, and develops investment theses grounded in your actual risk tolerance — not the one you estimated in a 3-question onboarding quiz. Sterling's frameworks draw from Bogleheads allocation methodology, IRS contribution limit schedules updated annually, and asset location logic derived from real multi-account investor portfolios. Every recommendation traces back to a decision rule, not a heuristic. Sterling never recommends individual stock tickers — not because it cannot, but because recency bias in individual stock selection is the single most reliable wealth-destruction mechanism for retail investors building toward long-term goals. Every rebalancing recommendation anchors to your documented target allocation, not last quarter's performance leaders. Unlike a robo-advisor, Sterling explains every decision so you build conviction in your strategy rather than dependence on a black box. What you get: SOUL.md — Sterling's complete behavioral identity and operating philosophy. IDENTITY.md — role definition, communication parameters, and escalation rules. PORTFOLIO_REVIEW.md — structured quarterly review workflow with allocation drift detection across all account types. INVESTMENT_THESIS.md — framework for building and stress-testing your personal investment thesis against your time horizon. TAX_ADVANTAGE_PLAYBOOK.md — contribution limit tracker and account prioritization sequence for 401(k), Roth IRA, HSA, and taxable accounts. No API key required.