About Us
Disclosures
A Confident Retirement Begins with a Clear Plan
SageFolio Advisors provides structured retirement planning. We integrate investments, tax strategy, and income planning. Our approach ensures you're prepared for decades ahead.
Longevity protection is built into every plan. You can retire with confidence and clarity.
Why Plan Now
Retirement Is Lasting Longer — And Costs Are Rising
Modern retirees face 25–35+ years of retirement. Longer life expectancy changes everything. Traditional retirement assumptions no longer hold.
Average U.S. life expectancy is 78.4 years. Many individuals now live into their late 80s and 90s. Your retirement may need to last three decades or more.
These gaps highlight the need for structured planning. Optimized savings strategies are essential. Long-term risk assessment protects your future.
The Retirement Reality
Most Americans are dramatically underprepared. The numbers tell a sobering story about retirement readiness today.
The Retirement Savings Gap
$120K
Median Savings
Ages 55–64 have far less than needed for income replacement
$1.46M
Comfort Target
Amount Americans say they need to retire comfortably
$88K
Average Nest Egg
The typical retirement account balance falls dramatically short
30+
Years Needed
Retirement now lasts decades longer than previous generations
Our Services
A Complete System for Your Retirement Strategy
SageFolio coordinates every aspect of retirement planning. Each element works together seamlessly. Your financial future deserves comprehensive protection.
Retirement Income Planning
Build a predictable, sustainable income plan. We optimize Social Security timing and pension decisions. Portfolio withdrawals are coordinated with guaranteed income sources.
Investment & Portfolio Management
Long-term, evidence-based investment strategy is essential. We align risk tolerance with retirement income needs. Your portfolio evolves with your life.
Tax-Efficient Retirement Design
Coordinate Roth conversions and withdrawal sequencing. RMD management reduces lifetime tax burden. We work with your CPA for optimal results.
Longevity & LTC Protection
70% of those age 65+ will require long-term care. Average care lasts 3.2 years. We integrate LTC strategy into every retirement projection.
All Your Retirement Accounts, Fully Coordinated
1
Traditional & Roth IRAs
Tax-deferred vs. tax-free strategies require careful planning. Roth conversion timing is critical. Asset location optimizes tax efficiency.
Average IRA balance: $137,902 as of Q3 2025.
2
401(k) & 403(b) Plans
We provide allocation guidance for employer plans. Rollover considerations are evaluated carefully. Roth vs. Traditional choices impact decades.
Average 401(k) balance: $144,400 — a record high.
3
Pension Plans
Lump-sum vs. annuity decisions need expert analysis. Survivor benefit evaluations protect your spouse. Integration with Social Security timing maximizes income.
4
Independent 401(k) Management
Portfolio oversight for former-employer plans is essential. Fee and fund analysis saves money. RMD planning avoids costly penalties.
Executive Planning
High-Level Planning for Executives & Key Employees
Senior executives face unique retirement challenges. Complex compensation structures require specialized planning. SageFolio coordinates with tax and legal professionals.
We focus on strategy and cash-flow modeling. Your executive benefits are maximized. Integration across all accounts ensures nothing falls through cracks.
1
Non-Qualified Deferred Compensation (NQDC)
Optimize deferral elections and distribution timing. Tax coordination is essential for success.
2
Supplemental Executive Retirement Plans (SERPs)
Navigate complex benefit structures and vesting schedules. Integration with other income sources maximizes value.
3
Stock Options & RSUs
Exercise strategies minimize tax impact. Diversification planning reduces concentration risk.
4
Executive Insurance Integration
Carve-out plans provide additional protection. Benefits coordinate with retirement income needs.
A Clear Path Toward a Secure Retirement
SageFolio follows a proven four-step process. Every client receives personalized attention. Your retirement plan evolves with your life.
Discover
Learn your goals, lifestyle needs, and health considerations. We understand income sources and desired retirement age. Your vision guides our planning.
Analyze
Evaluate current savings, spending, and portfolio risk. Tax positioning and Social Security timing are assessed. Longevity risk receives careful attention.
Design
Build a personalized retirement strategy with multiple income streams. Investment allocation matches your risk tolerance. LTC planning and tax-efficient withdrawals are integrated.
Implement & Support
Provide ongoing monitoring and annual retirement updates. Adjustments are made as markets change. Personal needs evolve with support.
Your Biggest Retirement Risk Is Living Longer Than Expected
Longevity Changes Everything
Life expectancy at 65 is 82.4 for men. Women can expect to reach 85.1 years. Many will live far longer than average.
Your retirement plan must account for decades. Running out of money is preventable. Strategic planning protects your lifestyle.
The Long-Term Care Reality
70% of retirees will require long-term care. Average care duration is 3.2 years. Nursing home needs could increase 75% soon.
SageFolio integrates LTC strategies into every plan. Annuity options provide guaranteed income. Cash flow planning prepares you for decades ahead.
1
Need LTC
Retirees who will require long-term care services
2
Years
Average duration of long-term care needed
3
Increase
Projected rise in nursing home needs over next decade
Take Action
Build a Retirement Plan That Lasts a Lifetime
Begin planning with a team that integrates everything. Investments, tax strategy, and income design work together. Longevity risk is managed through one coordinated plan.
SageFolio Advisors provides the structure and expertise you need. Your retirement deserves comprehensive protection. Let's build your confident future together.
How Your Savings Compare
  • Median U.S. retirement savings: $87,000
  • Average across all households: $333,945
  • Target for comfortable retirement: $1.46 million
  • Average 401(k) balance: $144,400
  • Average IRA balance: $137,902
Are you on track? Let's find out together.
Regulatory and Suitability Standards
SAGEFOLIO ADVISORS, LLC is pending registration as an RIA.

Insurance & Annuity Disclosure:
SageFolio Advisors, LLC is a Registered Investment Adviser and does not sell insurance products or annuities. Any recommendations involving insurance or annuities are made solely in the context of a client’s overall financial plan and only when determined to be appropriate based on the client’s needs and objectives. Insurance products and annuities are offered exclusively through SageFolio Insurance Group, a DBA of SageFolio Multi‑Family Office, LLC (“SageFolio MFO”).
SageFolio Insurance Group is a separate and distinct business line from SageFolio Advisors, LLC. All insurance business is conducted through appropriately licensed insurance professionals operating under SageFolio MFO.
Clients are under no obligation to purchase insurance products through SageFolio Insurance Group and may select any insurance provider of their choice. Potential conflicts of interest associated with the recommendation or sale of insurance products are disclosed and managed in accordance with applicable state and federal regulations.
Product guarantees, riders, and benefit features are subject to the financial strength and claims‑paying ability of the issuing insurance carrier.

Tax Advisory Disclosure:
SageFolio Tax Advisory is a DBA of SageFolio Multi‑Family Office, LLC (“SageFolio MFO”). SageFolio Tax Advisory is a separate and distinct business line from SageFolio Advisors, LLC, a Registered Investment Advisor. Tax preparation, tax planning, and related tax services are optional and are not required in order to engage financial planning or investment advisory services with SageFolio Advisors, LLC.
SageFolio Tax Advisory may provide services directly or may engage independent, third‑party CPAs, Enrolled Agents, or other qualified tax professionals to perform certain tax preparation, filing, or specialized tax work. These third‑party professionals operate as independent contractors and are not employees or supervised persons of SageFolio Advisors, LLC. Any potential conflicts of interest arising from these affiliated or third‑party relationships are disclosed and managed consistent with applicable state and federal regulations.
Clients are under no obligation to use SageFolio Tax Advisory and are free to choose any tax professional they prefer.

Fiduciary Duty & Independence
SageFolio Advisors, LLC acts as a fiduciary when providing investment advisory services. All recommendations—including those involving insurance, annuities, and tax-related considerations—are evaluated solely in the client’s best interest. Commission‑based compensation received through SageFolio Insurance Group, a DBA of SageFolio Multi‑Family Office, LLC, does not influence the advisory recommendation process.
Clients are free to obtain insurance, annuity, or tax services from any professional of their choosing. Use of affiliated or recommended service providers is strictly optional and not a condition for receiving advisory services from SageFolio Advisors, LLC.
When annuities are considered within a financial plan, SageFolio Advisors, LLC applies a fiduciary‑aligned analysis that includes the client’s financial circumstances, investment objectives, liquidity needs, time horizon, and risk capacity. Documentation, review procedures, and oversight processes are maintained to help ensure regulatory compliance and to support recommendations made in the client’s best interest.
Clarity Through Coordination
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