It is our contention that carefully developed financial advice, coupled with a long-term investment mindset, rather than unrealistic short-term expectations of riches, will better serve our client’s, and increase their chance of overall success.

Let our experience work for you

Sage Investment Group is a California state Registered Investment Advisor and professional firm designed to assist clients in an array of services. We have been improving lives since 1989.

Our experience allows us to draw on nearly three decades of experience, resulting in our ability to take a comprehensive approach to our client’s overall picture in an effort to help them achieve that which is most important to them. Sage Investment Group is not active in every area of planning for client’s, and may refer out to affiliates when deemed necessary. Sage Investment Group focuses primarily on the asset management, tax savings, risk reduction and income needs of investors. The following is a list of services we offer:

 

Fee Based Portfolio Management
To increase and protect your returns, specializing in risk reduction, manager selection.
Business Planning
Review of existing and design of new buy-sell agreements. Key employee, and executive compensation plans. Employer favored retirement plans, small business sponsored retirement plan administration and management.
Real Estate
Professional acquisition and sale of real estate for our clients, with consideration given to it’s affect on portfolio asset class distribution models.
Tax Planning
How to sell real estate and most appreciated assets without paying capital gains tax. With investment real estate, this is accomplished without paying depreciation recapture or capital gains and without the use of a 1031 Exchange.
Federal Employee Benefits Consulting
Specializing in FERS and CSRS benefits programs. Individual analysis of retirement benefits and options.
Income Planning
How to maximize and protect your income, as well as creating guaranteed lifetime income. Tax-free income planning and structured income planning.
Estate Planning
Including assistance with trusts, elimination of estate taxes, estate maximization and multi-generational planning.
Retirement Planning
Best ways to invest and get money out of IRA’s, Rollovers and Pensions. In some cases, we’ll show you how to make withdrawals tax-free. Increase income.
Leveraged Retirement Planning
A set of strategies designed to fill “gaps” in a client’s retirement plan or financial planning strategy. Using leverage, these programs provide an opportunity for wealth creation, the structure of custom business planning arrangements and much more. You financed your house, and most of us our cars, so why not your retirement?
Asset Protection
Most common and effective ways to protect assets from litigation.
Premium Financing
Cost effectively finance insurance premiums and leverage your assets to create additional wealth.These strategies require no loan documents, no credit check, no personal guarantee, and in most cases no collateral.
Unique Solutions to Problems
  • How to sell stock without capital gains.
  • How to pass assets on the next generation and beyond without estate tax.
  • How to have your investments keep pace with the stock market while keeping your principle guaranteed.

“Build it, and they will come” was a famous line from the movie “Field of Dreams”. Build the right portfolio, and the realization of your goals will come.

With almost no exception, investors are unduly influenced by what they hear and see in the media. The market doesn’t give a little back, it “plunges”, and when the market has a good day it “soars”. We maintain that proper investing is investing in such a way that you are aligned with the highest probability of reaching your goals – your goals, NOT someone else’s.

To do this, you need a plan, or blueprint, to guide your decisions and ultimate achievement of your goals. You can do this through asset class investing as a core part of your plan, and the following are key things to keep in mind:

  • It begins with discovery. We’ll help you articulate and prioritize your goals. Is it retiring comfortably? Sending children to college? Passing wealth to your heirs or your community? Possibly all of the above. Setting goals is vital, but so is prioritizing and understanding the tradeoffs.
  • With goals in hand, we can make informed decisions about the most appropriate investment strategy that will help you reach your objectives and is consistent with your risk tolerance. Long-term goals require long-term patience, so we encourage our clients to adopt a strategy they can live with.
  • Next comes evaluating and implementing your strategy. What specific mix of investments will increase the likelihood of goal achievement?
  • Finally, all investment strategies are monitored faithfully. Are you on track for each goal? Is the road to financial wellness clear? If not, what do we need to change?

 

Design, Build, Protect

While it is easy to get caught up in the state of the economy or the latest “hot” stock, we believe passionately that the way you invest should be aligned with where you are in your life… not with the short-term ups and downs of markets.

You should have a financial blueprint to help you manage your opportunities, needs, concerns and goals. We call this approach Asset Class Investing and believe it makes good sense as you plan for both today and tomorrow.

There are three things to remember about how Asset Class Investing can work for you and your family:

1. It focuses your investment portfolio on meeting your life goals.
It is an approach designed to help you manage towards your most important goals rather than to short-term market trends.

2. It is based on science and academic research.
It combines the latest discoveries in economics and investing with close to 90 years of market data and insights as well as in-depth studies of investor psychology and behavior.

3. It is a disciplined and structured approach.
It helps protect against the common behavioral mistakes that can compromise your long-term financial goals.

Find out what behavioral finance expert Meir Statman has to say about the role our emotions play in making decisions.

The Fundamentals of Asset Class Investing

How you choose to invest your money for the long term could have major implications for your overall success.

Wealth Advisory Process

One of the most important components of any successful advisory relationship is truly understanding who you are as a person. That is why we focus on what is most important to you, both financially and personally.

We look at all the major aspects of your financial life, including your specific values and goals as well as your time horizon, income and liquidity needs and ability and willingness to take risk. Together, we will define your personal definition of financial success and work with you to translate this into prioritized goals.

As the 360 LifeMap Strategies graphic shows below, we can help you address a wide variety of goals in a number of key areas.

Once we have discovered and understand what is most important to you, we work together to develop and implement a plan to help get you there.

Because life is never static, we closely monitor your plan and make sure that it always reflects your situation. In addition, as financial markets go up and down, we help manage the level of risk in your portfolio through periodic rebalancing.

The Wealth Solution

Achieving financial comfort, planning for a secure retirement, mitigating taxes, protecting our lifestyle, taking care of family, building a legacy…

For most Americans, these are extremely important issues. But many of us feel unprepared and ill-equipped to deal with all of them in a coordinated, knowledgeable way.

The Wealth Solution: Bringing Structure to Your Financial Life offers a compelling new way to think about your wealth, investing and your financial future. It offers a clear roadmap to help you navigate all aspects of your financial life and answer the key question: “What should I be doing with my money to provide the life I want most?”

The Wealth Solution will show you how to:

Invest with greater confidence
Better protect your financial future
Create a comprehensive, actionable wealth plan
Plan a meaningful and lasting legacy for your heirs
Find an experienced wealth advisor who can coordinate all your financial needs
Whether you are an experienced investor or just starting out, The Wealth Solution provides valuable insights into how to simplify your financial life and make wiser financial decisions.

Get a Second Opinion About Your Financial Plan

Our second opinion service is more than just a discussion about money and financial strategies. We want you to decide if we’re a good fit for your needs, and we want to see if we can truly add value to your life.

Schedule a meeting with us for a second opinion and here’s what you’ll get:

  • We’ll spend most of the meeting discussing your needs and listening to your answers.
  • We’ll answer all your questions regarding our fees and the services we provide.
  • We’ll talk about your current investment strategy and make notes for our follow-up conversation.

Although we may discuss ideas during the meeting we want to spend most of the time listening, rather than immediately trying to provide solutions.

After the meeting we’ll put together some information and ideas for strategies that best fit what you’ve told us about your goals and income. Next we’ll schedule a follow-up conversation in which we’ll present our second opinion about your current plan.

There’s no obligation for our second opinion service and any information we provide during your meeting and afterwards is yours to keep.

 

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Do You Feel You Are On Track To Successfully Reach Your Financial Goals? If Not, Request a No-Obligation Consultation With Us Today!

You can reach our office at 626-421-7685.
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Sage Investment Group

2500 E Foothill Blvd, Suite 115
Pasadena, CA 91107
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Office Phone: 626-421-7685

Design, Build, Protect

Design, Build, Protect

If you're interested in learning more about how we work with clients and the services we provide, download our brochure:

The Wealth Solution

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