Services
Retirees and Pre-Retirees
Services Offered:
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In retirement, cash FLOW is paramount. Developing an income plan to convert assets into a sustainable income stream is essential, coordinating withdrawals from your investment portfolio with other sources like Social Security, pensions, and annuities. Generalized advice, like The 4% Rule, may not be ideal for your situation. We will work together on a strategy to avoid financial pitfalls: overspending and depleting funds too quickly, or underspending and leaving substantial assets behind. Our goal is your financial independence and comfort in retirement.
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Taxes are a major retirement expense. At Sage Wealth Group, we help minimize your tax burden through smart strategies. We will explore tax-efficient withdrawal methods and consider Roth conversions for potential tax-free withdrawals. Additionally, tax-loss harvesting can offset capital gains and lower taxable income. Our goal is to develop a comprehensive plan that meets your financial needs and ensures a secure, tax-efficient retirement.
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Our investment philosophy is grounded in Nobel Prize-winning research and extensive empirical evidence accumulated over decades. We utilize a low-cost, total market approach that encompasses investments across all key asset classes, spanning both developed and emerging markets. Whenever feasible, we focus on securities in areas of the market that have demonstrated superior expected returns according to research. Our strategy emphasizes a long-term, disciplined approach, avoiding attempts to time the markets or predict short-term outcomes. This methodical approach enhances the likelihood of achieving your financial objectives. We take care of rebalancing your accounts and managing cash flow needs, allowing you to focus on what matters most.
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At Sage Wealth Group, we offer comprehensive services for financial planning and risk management. We start with a thorough review of your insurance policies—life, health, auto, and homeowner's—ensuring they meet your financial goals and provide sufficient coverage. We also examine your estate documents, like wills and trusts, to align your estate plan with your wishes and minimize tax liabilities. Lastly, we will ensure a plan for long term care.
Wealth Accumulators
Services Offered:
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Effective cash flow planning is essential for maintaining financial stability and achieving your long-term goals. At Sage Wealth Group, we understand that cash flow is the lifeblood of your financial health. Our tailored cash flow planning services focus on ensuring that your income consistently meets your expenses while allowing for growth and investment opportunities. This begins with assigning a job for every dollar, and ensuring we are saving in the most efficient manner possible.
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Strategic Tax Planning is tailored specifically for young professionals looking to maximize their financial potential. As you advance in your career, it’s essential to make informed tax decisions that align with your financial goals. This service helps you:
Minimize Tax Liability: Identify deductions, credits, and strategies to reduce what you owe, keeping more of your hard-earned money.
Optimize Tax-Efficient Savings: Maximize contributions to 401(k)s, IRAs, HSAs, and other accounts to save for the future while lowering taxable income.
Smart Income Management: Strategize income timing and structuring to avoid unnecessary tax brackets and penalties.
Navigate Career Milestones: Manage taxes around job changes, promotions, stock options, or freelance/side income streams.
Plan for Major Life Events: Offer tailored advice for buying a home, starting a family, or launching a business, with a focus on long-term tax efficiency.
Leverage Tax-Efficient Investments: Choose investments that grow wealth while keeping tax exposure low.
Our approach goes beyond filing—we create a year-round strategy to integrate tax planning into your broader financial plan. Whether you're starting out or reaching new career milestones, our service ensures you make tax-smart moves every step of the way.
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Our investment philosophy is grounded in Nobel Prize-winning research and extensive empirical evidence accumulated over decades. We utilize a low-cost, total market approach that encompasses investments across all key asset classes, spanning both developed and emerging markets. Whenever feasible, we focus on securities in areas of the market that have demonstrated superior expected returns according to research. Our strategy emphasizes a long-term, disciplined approach, avoiding attempts to time the markets or predict short-term outcomes. This methodical approach enhances the likelihood of achieving your financial objectives. We take care of rebalancing your accounts and managing cash flow needs, allowing you to focus on what matters most.
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Insurance Planning: Protect What Matters
Comprehensive Coverage Review: Ensure you have the right level of coverage for health, life, disability, auto, and home/renters insurance without overpaying.
Disability Protection: Safeguard your income with disability insurance tailored to your career stage and income growth.
Life Insurance Strategies: Explore cost-effective options (term or permanent) to protect loved ones or fund future goals.
Health Insurance Optimization: Understand your employer’s benefits or find individual plans that align with your needs and minimize out-of-pocket costs.
Umbrella Policies: Add an extra layer of protection against liabilities to secure your assets.
Estate Planning: Build a Lasting Legacy
Essential Legal Documents: Create or review wills, powers of attorney, and healthcare directives to ensure your wishes are followed.
Beneficiary Designations: Audit retirement accounts, insurance policies, and investment accounts to keep them aligned with your goals.
Guardianship Planning: Provide for minor children or dependents in the event of unforeseen circumstances.
Trust Strategies: Explore simple or advanced trust structures to protect assets and streamline future wealth transfers.
Tax-Efficient Estate Planning: Minimize estate taxes and maximize what you leave for loved ones or charitable causes.
Project-Based Engagement
One-time hourly engagements are offered at a rate of $300 per hour, providing clients with flexible and professional financial expertise tailored to your specific needs. 3 hour minimum for a one-time engagement.
