Firm Info
Firm Size
Services Offered
- Financial Planning
- Portfolio Management for Individuals & Small Businesses
- Pension Consulting Services
- Educational Seminars & Workshops
- Other
Types of Clients
- Individuals (Not High Net Worth)
-
Individuals High Net Worth
*>=750k in Investable Assets or >=1.5m of Estimated Total Net Worth
- Pension & Profit Sharing Plans
- Charitable Organizations
Available Fee Structures
- Percentage of Assets Under Management (AUM)
- Hourly
- Fixed Fees (Other than subscription)
- Other
Sage Financial Advisors Inc. Overview
SAGE Financial Advisors Inc. is a financial advisory firm headquartered in Scottsdale, AZ, that has been in business since 2001. The firm follows a fee-only fee arrangement, which means they don't earn commissions or incentives for recommending specific investments. Instead, their income is solely based on the fees paid by their clients. The company is registered as an investment advisory firm, providing investment advice only. Their services include financial planning, portfolio management, and pension consulting for individuals and small businesses. In addition to that, SAGE Financial Advisors also offer educational seminars and workshops for clients who want to learn more about financial planning and investment management. Furthermore, the firm provides other services such as tax preparation, planning, and compliance. With more than 20 years of experience in the financial industry, SAGE Financial Advisors Inc. helps clients create a comprehensive financial plan that suits their specific needs and goals. By following a fee-only approach, the firm's advisors aim to provide unbiased advice to ensure their clients' financial success. They offer a wide range of financial planning services designed to help clients protect their assets, grow their wealth, and achieve their long-term financial goals.
SAGE FINANCIAL ADVISORS INC. serves a diverse range of clients, from individuals to high net worth individuals, pension or profit sharing plans, charitable organizations, and more. The firm's services are designed to meet the unique needs of each client, regardless of their size or financial situation. With a team of experienced and highly qualified financial advisors, SAGE FINANCIAL ADVISORS INC. offers a variety of comprehensive financial planning solutions to help their clients achieve their financial goals. When it comes to fee structures, SAGE FINANCIAL ADVISORS INC. offers a range of options depending on the service provided. For clients who require ongoing asset management, the firm charges a percentage of assets under management (AUM). Alternatively, clients can opt for hourly fees for specific financial planning services or a fixed fee for a defined period of time. The firm also offers other types of fees, such as performance-based fees or retainer fees, to ensure that clients can choose the fee structure that best suits their financial needs. With transparent and competitive fee structures, SAGE FINANCIAL ADVISORS INC. ensures that clients always know what they're paying for and receive the best possible value for their financial planning needs.
Typical Clients, Fee Structures & Investment Minimum
According to the Part 2 Brochure of SAGE FINANCIAL ADVISORS INC, there is no mention of an investment minimum. Therefore, it is unclear what the minimum investment amount required by the firm is. It is suggested that potential clients directly contact SAGE FINANCIAL ADVISORS INC to inquire about their investment minimums and other related information.
How This Office Can Help Reno, NV Residents
Sage Financial Advisors is a trusted financial firm that provides various financial services to clients in Reno, NV. The city is known for its diverse economy, which means that residents may face unique financial challenges such as the high cost of living, fluctuating home prices and taxes. At Sage Financial Advisors, clients can expect personalized financial planning services that cater to their specific needs and financial goals. The firm's team of financial advisors offers expert advice on retirement planning, investment strategies, wealth management, estate planning, and tax planning. Clients of Sage Financial Advisors in Reno can benefit from their expertise as they navigate the complex financial landscape in the area. The firm's advisors understand the local financial environment and can offer valuable guidance on issues like accessing affordable housing, planning for their children's education, and saving for retirement. From young professionals seeking to build their wealth to retirees looking to preserve their savings, Sage Financial Advisors provides comprehensive and customized financial services that help clients achieve financial security and success.
Services Offered by Sage Financial Advisors Inc.
Core Advisor Services
Financial Planning
Financial planning services encompass the process of devising strategies for your future financial well-being, including preparing for events such as retirement, funding your child's college education, or planning for the transfer of assets.
Portfolio Management for Individuals & Small Businesses
Portfolio management entails the careful selection and strategic management of investment combinations tailored to meet the needs of individuals and small businesses.
Market Timing Services
Market timing services involve the endeavor to generate short-term profits from investments by capitalizing on opportunities to buy at low prices and sell at high prices.
Other Services
Selection of Other Advisors
The firm provides support in selecting and engaging other advisors who possess specialized expertise to complement your financial needs.
Publication of Periodicals or Newsletters
The firm engages in the dissemination of diverse financial educational materials through the publication of periodicals.
Educational Seminars & Workshops
The firm organizes and conducts seminars or workshops aimed at enlightening investors on various financial concepts.
Fee Structures
Financial advisory fees usually are based on the services provided. Fee types charged by Sage Financial Advisors Inc. most likely consist of the following fee types: asset-based, hourly or fixed. Wrap fee programs, or the practice of bundling services for a single fee, are not offered by the firm.
Available
Percentage of Assets Under Management (AUM)
This fee structure charges a percentage of the assets under management by the firm. Fee structures are often tiered based on the amount of assets managed, with higher AUM often charged a lower rate.
Between 0.50% and 2.00% of assets under management (annually), often lower for a robo advisor. Fees are typically charged quarterly by the firm and will show on your investment statement. View typical advisor costs here.
~96% of registered firms offer this fee structure.
If you have $1 million managed by a firm at a 1% management fee, you would be charged $10,000/year to manage your assets (or $2,500 per quarter). This would be automatically deducted from your investment portfolio.
Hourly
Similar to an attorney, a financial consultant might charge fees based on hourly rates. This fee structure can be advantageous when seeking specific or ad hoc advice.
Charges generally span from $150 to $400 per hour, depending on the extent of the services required.
~33% of registered firms offer this fee structure.
If you needed hourly consulting to sell a business or transfer your estate to your children but did not want your assets managed by a firm, you could consult a firm at an hourly rate to answer any questions you may have.
Fixed Fees (Other than subscription)
Fixed fees are a one-time, lump-sum payment rendered for a specific service, such as creating a financial plan without ongoing management or implementation. This option is beneficial if you solely require guidance for a particular objective rather than a long-term consultancy or asset management.
Fixed fees for creating a financial plan often range from $1,000 to $3,000.
~49% of registered firms offer this fee structure.
If you did not want a firm to manage your assets but needed to create a retirement plan, life transition plan such as divorce or loss of a spouse, estate transition plan, business financial plan, or any other financial planning, you could consult with an RIA firm to help you with the creation of that plan.
Other
Firms occasionally offer unconventional fee structures when charging clients. For more detailed information about a firm’s specific fee structures, please refer to their Form ADV and Part 2 Brochure.
Unavailable
Subscription (Newsletter or Periodical)
Commissions
Occasionally, advisors are compensated through commissions by selling certain financial products, such as mutual funds or life insurance policies, or as a broker-dealer by facilitating the buying and selling of securities. Advisors who receive commissions may be incentivized to make specific suggestions to clients in order to secure a commission. Advisors who operate on a fee-only basis do not earn commissions, whereas fee-based advisors may do so.
Often 3% - 6% of the value of the security.
Only ~3% of registered firms say they offer this fee structure, but other advisors may receive “soft dollars”. Many mutual funds charge 12b-1 fees to cover the promoting and selling of the fund’s shares. While your advisor does not charge these fees, they may receive a kickback for recommending the investment.
An advisor selling their client on a life insurance policy and receiving a commission on the sale of that policy, or recommending a specific investment and receiving a kickback for that recommendation.
Performance-based Fees
Advisors typically obtain performance-based fees if a portfolio surpasses a predefined benchmark. This fee is determined through various methods, but is most commonly assessed as a percentage of investment gains. Performance-based fees may incentivize advisors to undertake riskier decisions in pursuit of generating higher returns.
“Two and Twenty” is common among hedge funds with a 2% management fee and a 20% incentive fee above the “hurdle rate,” or performance threshold the fund is compared against.
32% of registered firms offer this fee structure.
A hedge fund earns a 15% return with a 20% performance fee in above the performance of the S&P 500, which grew 7% that same year.
20% of fund growth in excess of S&P 500’s 7% growth for that year = 15% hedge fund growth - 7% S&P 500 growth = 8% difference x 20% = 2% performance fee (in addition to the management fee).
Types of Clients
*The Securities & Exchange Commission defines someone as “high net worth” if they have $750,000 or more in investable assets or $1.5M of estimated total net worth.
This Office Location
Other Office Locations
Firm Headquarters
This firm has no other locations.
State Registrations
Sage Financial Advisors Inc. is registered to service clients in the following states:
- Arizona
- California
- Oregon
- Texas
Disciplinary History
Sage Financial Advisors Inc. does not have any disclosures. Please visit it's Form ADV for more details.