Sage Investment Group

Sage Investment Group provides investment management and financial planning to a mix of clients that the brochure lists as individuals, pension and profit-sharing plans, trusts, estates, charitable organizations and small businesses. The firm describes services that include investment supervisory services, financial planning, cash flow and tax planning, estate planning and periodic reporting.

The firm says it implements a strategic, core-and-satellite asset allocation using passive index and ETF exposures for the core and selectively adding active managers, with portfolios globally diversified and typically invested through no‑load or low‑load mutual funds and ETFs. Relationships are generally non‑discretionary—clients make final investment decisions—and Sage documents objectives in Investment Policy Statements and provides periodic account and net worth reporting; it also offers limited-scope, hourly and retainer planning engagements as alternatives to ongoing asset management.

Notable and less common features disclosed in the brochure include that the firm and its principal are separately licensed to sell insurance and annuity products and may receive commissions for those sales, a potential conflict the document highlights. The brochure also notes the firm publishes periodicals and special reports, may recommend and select other advisers for clients, and maintains custodial and referral arrangements from which it may receive fees or commissions, all of which distinguish its mix of advisory, educational and insurance activities from many peers.