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.

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.

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.

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.