# EDGAR Filing Document

**Accession Number:** 0001009198
**File Stem:** 0001009198-25-000004
**Filing Date:** 2025-10
**Character Count:** 7664
**Document Hash:** 97e565eae590eb4b7f88b8f7bcb431f6
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001009198-25-000004.hdr.sgml**: 20251029

**ACCESSION NUMBER**: 0001009198-25-000004

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251029

**DATE AS OF CHANGE**: 20251029

**EFFECTIVENESS DATE**: 20251029

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** STERLING INVESTMENT ADVISORS LLC /ADV
- **CENTRAL INDEX KEY:** 0001009198

**ORGANIZATION NAME:**
- **EIN:** 431736364
- **STATE OF INCORPORATION:** MO
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-16395
- **FILM NUMBER:** 251428240

**BUSINESS ADDRESS:**
- **STREET 1:** 2095 S BOSTON PLACE
- **CITY:** BOLIVAR
- **STATE:** MO
- **ZIP:** 65613
- **BUSINESS PHONE:** 417-777-7677

**MAIL ADDRESS:**
- **STREET 1:** 2095 S BOSTON PLACE
- **CITY:** BOLIVAR
- **STATE:** MO
- **ZIP:** 65613

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** STERLING INVESTMENT ADVISORS LLC                        /ADV
- **DATE OF NAME CHANGE:** 19960228

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 09-30-2025

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** STERLING INVESTMENT ADVISORS LLC /ADV<br>**Address:** 2095 S BOSTON PLACE<br>BOLIVAR, MO 65613

**Form 13F File Number:** 028-16395

**CRD Number (if applicable):** 000117287

**SEC File Number (if applicable):** 801-63925

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** James Jones<br>**Title:** Managing Member<br>**Phone:** 417-777-7677

**Signature, Place, and Date of Signing:**

/s/ James Jones  Bolivar, MO  10-21-2025<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 39

**Form 13F Information Table Value Total:** $201913648

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| APPLE INC | COM | 037833100 |  | 238377 | 936 | SH |  | SOLE |  | 0 | 0 | 936 |
| AT INC | COM | 00206R102 |  | 229520 | 8127 | SH |  | SOLE |  | 0 | 0 | 8127 |
| BROADCOM INC | COM | 11135F101 |  | 1991210 | 6035 | SH |  | SOLE |  | 0 | 0 | 6035 |
| CHEVRON CORP NEW | COM | 166764100 |  | 218959 | 1410 | SH |  | SOLE |  | 0 | 0 | 1410 |
| ISHARES ETHEREUM TR | SHS | 46438R105 |  | 7029704 | 223094 | SH |  | SOLE |  | 0 | 0 | 223094 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 726920 | 9989 | SH |  | SOLE |  | 0 | 0 | 9989 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 18719373 | 283971 | SH |  | SOLE |  | 0 | 0 | 283971 |
| ISHARES INC | JP MORGAN EM ETF | 464286517 |  | 11055484 | 268271 | SH |  | SOLE |  | 0 | 0 | 268271 |
| ISHARES TR | 0-3 MNTH TREASRY | 46436E718 |  | 17699676 | 175766 | SH |  | SOLE |  | 0 | 0 | 175766 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 |  | 7705132 | 74546 | SH |  | SOLE |  | 0 | 0 | 74546 |
| ISHARES TR | A RATE CP BD ETF | 46429B291 |  | 7861432 | 162191 | SH |  | SOLE |  | 0 | 0 | 162191 |
| ISHARES TR | CORE 1 5 YR USD | 46432F859 |  | 6726276 | 137720 | SH |  | SOLE |  | 0 | 0 | 137720 |
| ISHARES TR | CORE HIGH DV ETF | 46429B663 |  | 289594 | 2365 | SH |  | SOLE |  | 0 | 0 | 2365 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 35607217 | 407825 | SH |  | SOLE |  | 0 | 0 | 407825 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 |  | 258782 | 3133 | SH |  | SOLE |  | 0 | 0 | 3133 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 7741671 | 118628 | SH |  | SOLE |  | 0 | 0 | 118628 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 4517679 | 38018 | SH |  | SOLE |  | 0 | 0 | 38018 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 337235 | 2315 | SH |  | SOLE |  | 0 | 0 | 2315 |
| ISHARES TR | CORE S ETF | 464287200 |  | 25183898 | 37627 | SH |  | SOLE |  | 0 | 0 | 37627 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 3242324 | 32342 | SH |  | SOLE |  | 0 | 0 | 32342 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 248532 | 2672 | SH |  | SOLE |  | 0 | 0 | 2672 |
| ISHARES TR | IBOXX HI YD ETF | 464288513 |  | 3937188 | 48493 | SH |  | SOLE |  | 0 | 0 | 48493 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 3948803 | 42291 | SH |  | SOLE |  | 0 | 0 | 42291 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 1985184 | 8204 | SH |  | SOLE |  | 0 | 0 | 8204 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 1159431 | 9604 | SH |  | SOLE |  | 0 | 0 | 9604 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 5267599 | 25507 | SH |  | SOLE |  | 0 | 0 | 25507 |
| ISHARES TR | SELECT DIVID ETF | 464287168 |  | 221538 | 1559 | SH |  | SOLE |  | 0 | 0 | 1559 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 6500642 | 58448 | SH |  | SOLE |  | 0 | 0 | 58448 |
| ISHARES TR | U.S. REAL ES ETF | 464287739 |  | 902161 | 9292 | SH |  | SOLE |  | 0 | 0 | 9292 |
| ISHARES TR | U.S. TECH ETF | 464287721 |  | 414307 | 2115 | SH |  | SOLE |  | 0 | 0 | 2115 |
| META PLATFORMS INC | CL A | 30303M102 |  | 376996 | 513 | SH |  | SOLE |  | 0 | 0 | 513 |
| MICROSOFT CORP | COM | 594918104 |  | 422517 | 815 | SH |  | SOLE |  | 0 | 0 | 815 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 469494 | 2516 | SH |  | SOLE |  | 0 | 0 | 2516 |
| OREILLY AUTOMOTIVE INC | COM | 67103H107 |  | 412651 | 3827 | SH |  | SOLE |  | 0 | 0 | 3827 |
| SPDR INDEX SHS FDS | GLB NAT RESRCE | 78463X541 |  | 5303730 | 89574 | SH |  | SOLE |  | 0 | 0 | 89574 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 11320900 | 60399 | SH |  | SOLE |  | 0 | 0 | 60399 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 390520 | 6517 | SH |  | SOLE |  | 0 | 0 | 6517 |
| WALMART INC | COM | 931142103 |  | 877198 | 8511 | SH |  | SOLE |  | 0 | 0 | 8511 |
| WEC ENERGY GROUP INC | COM | 92939U106 |  | 373793 | 3262 | SH |  | SOLE |  | 0 | 0 | 3262 |

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