Christine Papelian

STERLING INVESTMENT COUNSEL

BUFFALO, NY 14202

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CRD#: 6068257

Professional summary

Christine Papelian, CFP®, who also goes by Christine Costello, is a registered financial advisor currently at STERLING INVESTMENT COUNSEL, LLC located in Buffalo, New York and LPL FINANCIAL LLC located in Buffalo, New York.

Christine is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 2012. Christine has worked at 6 firms and has passed the Series 66, Series 63, SIE and Series 7 exams.

Question & Answer

What are your service offerings?

Comprehensive Financial Planni...

Investment Planning

Life Transitions

Do you have an area of expertise or specialization?

College/Education Planning

Corporate Executives

Divorce Planning

Generation X

Investment Advice with Ongoing...

LGBT Couples and Families

What is your minimum asset requirement?

500K

Are you a "fiduciary"?

Yes

Aliases

Christine Costello

Other business activities

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

1- 09/2024 / JENSEN, MARKS, LANGER, AND VANCE LLC / DBA for LPL Business (entity for LPL business) / Inv Rltd / 160 hrs mnth / 8 hrs during trading / start 09/13/2024 2) 01/03/2025 - Sterling Investment Counsel, LLC - Investment Related - Registered Investment Advisor Hybrid - At Reported Business Location(s) - Start Date :08/19/2024 - 160 Hrs/Mth - 8 Hrs During Trading.I provide investment advisory services through Sterling Investment Counsel, LLC, an independent investment advisor firm. I started this business activity in 8/2024. I expect to spend approximately 160 hours per month on this activity. Please see the advisory firm's Form ADV for more information about its address, the nature of its business, its owners, and its services at http://www.adviserinfo.sec.gov/IAPD. The firm is separate from and independent of LPL Financial.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Christine Papelian's CRS (Customer Relationship Summary).

CRS (Customer Relationship Summary)

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

CFP^®

Certified Financial Planner

Start date: 2015

Experience

Current

November 12, 2024 - Present

STERLING INVESTMENT COUNSEL, LLC

Office #1: 360 Delaware Avenue Suite 400, Buffalo, NY 14202

RIA

CRD#: 282624

BUFFALO, NY

Current

October 22, 2024 - Present

LPL FINANCIAL LLC

Office #1: 360 Delaware Ave Ste 400, Buffalo, NY 14202

RIA

CRD#: 6413

BUFFALO, NY

Past

September 27, 2024 - October 24, 2024

LPL FINANCIAL LLC

RIA

CRD#: 6413

FORT MILL, SC

Past

May 3, 2022 - August 22, 2024

REDW WEALTH LLC

RIA

CRD#: 109446

Phoenix, AZ

Past

May 17, 2021 - November 23, 2021

SMARTER FINANCIAL SOLUTIONS

RIA

CRD#: 310800

PHOENIX, AZ

Past

June 23, 2014 - April 29, 2021

SCHWAB WEALTH ADVISORY, INC.

RIA

CRD#: 159035

PHOENIX, AZ

Past

June 17, 2014 - June 26, 2014

CHARLES SCHWAB & CO., INC.

RIA

CRD#: 5393

Phoenix, AZ

Past

August 6, 2012 - April 29, 2021

CHARLES SCHWAB & CO., INC.

CRD#: 5393

Phoenix, AZ

Primary Firm SEC Registration

This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".

STERLING INVESTMENT COUNSEL, LLC

CRD#: 282624 / SEC#: 801-107624

RIA

Registered Investment Advisory firm - (4/6/2016 Approved)

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

IAR

means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.

indicates the advisor is registered as a Registered Representative in this state, allowing them to offer securities such as stocks, bonds, and mutual funds through a broker-dealer.

Visual representation of state registrations

New York
(10/24/2024)

IAR

New York
(11/12/2024)

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state. Note: This rule does not apply to broker-dealer activity.

Exams

State Security Law Exam

IAR

Series 66

Date: 10/14/2024

Uniform Combined State Law Examination

State Security Law Exam

Series 63

Date: 8/6/2012

Uniform Securities Agent State Law Examination

General Industry/Product Exam

SIE

Date: 10/1/2018

Securities Industry Essentials Examination

General Industry/Product Exam

Series 7

Date: 8/3/2012

General Securities Representative Examination

SRO Registrations

FINRA

Current Firm

STERLING INVESTMENT COUNSEL, LLC

CRD#: 282624 / SEC#: 801-107624

RIA

Registered Investment Advisory firm - (4/6/2016 Approved)

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Contact information

Main Address

360 Delaware Avenue Suite 400, Buffalo, NY 14202

Mailing Address

Phone number

(716) 783-7054

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (15 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

ADV PART 2A-STERLING INVESTMENT COUNSEL, LLC (3/24/2025)

Regulatory assets under management

Total Number of Accounts	2,038
AUM (Assets Under Management)	$ 819,283,156

Red Flags

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.

Check for any disclosures as part of your thorough research when choosing an advisor.

Contact information

(xxx) xxx-xxxx

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Advisor Monitoring

Firm Stability Insights

Christine Papelian

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Christine Papelian's CRS (Customer Relationship Summary).

Certified licenses

Experience

LPL FINANCIAL LLC

LPL FINANCIAL LLC

REDW WEALTH LLC

SMARTER FINANCIAL SOLUTIONS

SCHWAB WEALTH ADVISORY, INC.

CHARLES SCHWAB & CO., INC.

CHARLES SCHWAB & CO., INC.

Primary Firm SEC Registration

STERLING INVESTMENT COUNSEL, LLC

State Registrations and Notice Filings

Exams

Series 66

Date: 10/14/2024

Series 63

Date: 8/6/2012

SIE

Date: 10/1/2018

Series 7

Date: 8/3/2012

FINRA

Current Firm

STERLING INVESTMENT COUNSEL, LLC

Contact information

SEC notice filing (15 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Red Flags

Company Information

STERLING INVESTMENT COUNSEL, LLC

TRUST BUT VERIFY

Contact information

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