About
Disclosures

Wealth Management

More Than Managing a Portfolio

Your wealth extends beyond the investments in a single account. It includes retirement assets, cash and banking, property, liabilities, insurance, and other financial resources that influence the decisions you make.

We help manage your investment assets while coordinating the broader pieces of your financial life—so your wealth can be viewed as one connected financial picture.

What We Manage & Coordinate

We combine investment management with ongoing financial coordination to help you understand how the different pieces of your wealth fit together.

Investment Management

Build and manage investment portfolios based on your goals, time horizon, liquidity needs, and risk tolerance.

Retirement Assets

Coordinate IRAs, Roth accounts, employer retirement plans, pensions, and other retirement resources within your broader strategy.

Outside Accounts

Incorporate investment and financial accounts held at other institutions into your broader financial picture.

Cash & Banking

Consider checking, savings, cash reserves, CDs, and other banking resources when evaluating liquidity and financial needs.

Debt & Liabilities

Account for mortgages, loans, credit lines, and other liabilities when evaluating cash flow, liquidity, and net worth.

Protection & Insurance

Consider existing insurance coverage and protection needs within the broader financial plan, with insurance products offered separately through a licensed insurance agent.

Some Assets We Manage.

Others We Coordinate.

Not every part of your financial life needs to be held in one account—or even at one institution—to be considered in your financial strategy.

Certain investment assets may be directly managed by SageFolio, while other accounts and assets remain with your existing institutions. We incorporate those outside resources into your broader financial picture so financial and investment decisions aren't made in isolation.

Managed by SageFolio

  • Investment Accounts
  • IRAs
  • Roth IRAs
  • Other Eligible Managed Assets

YOUR FINANCIAL PICTURE

One Coordinated Strategy

Coordinated With Your Plan

  • 401(k)s & Employer Plans
  • Bank Accounts & Cash
  • Real Estate
  • Loans & Credit Lines
  • Insurance Policies
  • Other Assets & Liabilities

Accounts and assets eligible for investment management depend on applicable custodial, advisory, and account arrangements.

Wealth Doesn't Exist in Isolation

Investment decisions can affect—and be affected by—the rest of your financial life.

Investments

Manage portfolios around your objectives, risk tolerance, time horizon, and financial plan.

Liquidity

Consider cash reserves and near-term needs when determining how much capital should remain accessible.

Taxes

Consider potential tax consequences when evaluating investment and financial decisions, coordinating with your tax professional when appropriate.

Retirement

Coordinate investment assets with retirement income needs, distribution strategies, and other retirement resources.

Estate & Protection

Consider insurance, beneficiary designations, estate-planning objectives, and other protection needs as part of the broader financial picture, coordinating with appropriate professionals when needed.

The objective isn't to manage each decision separately. It's to understand how those decisions interact.

How We Approach Wealth Management

1

01

Understand the Full Picture

Identify your investment assets, outside accounts, liabilities, cash needs, financial priorities, and long-term objectives.

2

02

Build the Strategy

Develop an investment and financial strategy based on your goals, time horizon, liquidity needs, and risk tolerance.

3

03

Manage & Coordinate

Manage applicable investment assets while incorporating outside accounts and other financial resources into the broader strategy.

4

04

Monitor & Adjust

Review the strategy over time and make appropriate adjustments as markets, goals, financial circumstances, and planning needs change.

Your financial life changes. Your wealth strategy should be able to change with it.

Who This Is For

Wealth management may be appropriate if you:

Have investment or retirement assets that require ongoing management

Have accounts spread across multiple institutions

Want investment decisions connected to a broader financial plan

Are approaching or navigating retirement

Own a business alongside personal investment assets

Want a clearer view of your assets, liabilities, and overall net worth

Prefer an ongoing advisory relationship rather than one-time planning

Planning Builds the Strategy. Wealth Management Keeps It Moving.

Financial Planning

Focuses on understanding your financial life, establishing priorities, evaluating decisions, and developing the strategy.

Wealth Management

Combines ongoing financial planning with investment management, monitoring, and coordination of your broader financial picture.

Not sure which relationship fits your needs? We'll help you determine where it makes sense to start.

Bring Your Financial Picture Together

See how your investments, accounts, assets, liabilities, and long-term goals fit together—and where a more coordinated strategy could help.

Take Control of Your Cash Flow

One Financial Life. One Coordinated Strategy.

Build. Plan. Grow.

SageFolio Advisors, LLC provides investment advisory and financial planning services. Insurance products and services are offered separately through a licensed insurance agent and are not advisory services provided by SageFolio Advisors, LLC. Insurance products may generate commissions or other compensation to the licensed insurance agent, creating a financial incentive to recommend such products. Purchasing insurance is not required to receive financial planning or investment advisory services from SageFolio Advisors, LLC. Any insurance recommendations are made solely in a separate insurance capacity.

© 2026 SageFolio Advisors LLC | Full Disclosures Page.