Profile

We are an SEC Registered Investment Advisor (since 1999) with approximately $500 million of client assets for which we provide investment management and advisory services.

Our partners have an average of over 20 years of experience with asset allocation and financial planning, 25 years of experience with fixed income management and 15 years of experience with alternative investments.

Two of our partners are Chartered Financial Analysts (CFAs). Unlike brokerage firms, we service our clients as an independent fiduciary. We are not a broker dealer.

Investment Advisor (Sage) vs. Non-Fiduciary Advisor (brokerage firm)

• Investment advisors are registered with and regulated by the Securities and Exchange Commission (SEC) and are required to be fiduciaries—that is, to act in their client’s best financial interest while brokers (Merrill, UBS, et al) have no such obligation. SEC rule 202 requires brokers to let clients know that they are not fiduciaries.
• Brokers have a legal right and a strong incentive to push products that put their financial interests ahead of their clients.
• Independent registered investment advisors typically charge a fee based on a percentage of total assets managed. The fee structure does not give your advisor (Sage) an incentive to recommend one product over another so you can feel confident that your advisor is making recommendations based on what’s best for your situation.

As advisors we are compensated on a fee only basis. Unlike brokerage firms, we do not earn commissions for any implemented recommendations.

Our philosophy is to minimize bear market risk while maintaining upside potential.