What is SAGEbroadview Wealth Management for a Young Professional?

Our wealth management process is ongoing, and integrates financial planning & portfolio management, with tax planning carefully woven throughout.

Goals
  • What are your 1, 5, and 10-year goals?
  • Are you on track to reach them?
  • Who is holding you accountable?
Monthly Cash Flow
  • Are you making the most of your benefits?
  • Are you maximizing your company match?
  • Should you contribute to your 401(K) on a pre-tax basis or use the Roth feature?
Company Benefits
  • Are you making the most of your benefits?
  • Are you maximizing your company match?
  • Should you contribute to your 401(K) on a pre-tax basis or use the Roth feature?
Investments
  • Is your portfolio globally diversified?
  • Do you understand the fee structure of your investments?
  • Is your portfolio tax-efficient?
  • Do you rebalance when appropriate?
  • Is your asset allocation right for you?
Stock Options & Restricted Stock
  • Do you understand your stock option and/or restricted stock grants?
  • Do you know when to exercise your stock options? Do you know what to do after your RSU’s vests?
  • What are the tax implications of these grants at vesting and at exercise?
  • What should you do with the proceeds?
Insurance & Estate Planning
  • Does your income support your lifestyle?
  • Are you spending smartly?
  • Are you funding your goals?
  • How much do you need for emergencies?
Debt Management
  • How do you manage college and credit card debt?
  • How do you decide how much to pay when?
  • Should you go into debt to pursue your goals?
Tax Planning
  • Are you always surprised when you file your tax returns each year?
  • Are you paying too much in taxes? What can you do to reduce your taxes?
  • Have you considered how your tax situation will change over time?


Goals

  • What are your 1, 5, and 10-year goals?
  • Are you on track to reach them?
  • Who is holding you accountable?


Monthly Cash Flow

  • Does your income support your lifestyle?
  • Are you spending smartly?
  • Are you funding your goals?
  • How much do you need for emergencies?
  • How do you manage college and credit card debt?


Company Benefits

  • Are you making the most of your benefits?
  • Are you maximizing your company match?
  • Should you contribute to your 401(K) on a pre-tax basis or use the Roth feature?


Investments

  • Is your portfolio globally diversified?
  • Do you understand the fee structure of your investments?
  • Is your portfolio tax-efficient?
  • Do you rebalance when appropriate?
  • Is your asset allocation right for you?


Stock Options & Restricted Stock

  • Do you understand your stock option and/or restricted stock grants?
  • Do you know when to exercise your stock options? Do you know what to do after your RSU’s vests?
  • What are the tax implications of these grants at vesting and at exercise?
  • What should you do with the proceeds?


Insurance
Planning

  • Are you & your family protected should something happen?
  • Do you need renter’s/homeowner’s, auto, or umbrella insurance?
  • Do you need more life and/or disability insurance?


Estate Planning

  • What estate planning documents should you have in place now?
  • Who should I name as my beneficiary?
  • How should I plan for my young children?


Tax Planning

  • Are you always surprised when you file your tax returns each year?
  • Are you paying too much in taxes? What can you do to reduce your taxes?
  • Have you considered how your tax situation will change over time?

What does it cost to work with us?

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Singles

Couples

One-time onboarding fee


Due upon signing, non-refundable

$1,000 one-time

$1,500 one-time

Monthly recurring financial planning fee starting at:


Fees are automatically deducted from your checking account.

$250 monthly

$350 monthly

Quarterly portfolio management fee


Fees are automatically deducted from your investment accounts.

The quarterly cost for Portfolio Management services is just 0.125% of the investment accounts we manage for you. That is $1.25 for every $1,000 in your portfolio.

Please note: We do not offer financial planning services without also managing your investments. Click here to learn more.
Additionally, we do not offer hourly or project-based advice at this time.

Services Included +
  • Creating Goals
  • Coaching
  • Cash Flow Planning
  • Income Tax Education & Tax Planning*
  • Strategies to increase your Credit Score
  • Optimize Checking, Savings & Credit Card accounts
  • Make the most out of Employee Benefits, including Equity Compensation
  • Insurance Planning
  • Estate Planning
  • Debt Management
  • Implementation Assistance
  • Managing Finances as a Couple
  • Portfolio Management:
    • Risk Tolerance Testing
    • Investment Policy Statement
    • Asset Allocation
    • Rebalancing
    • Globally Diversified Portfolios
    • Low Cost Funds
    • Tax Loss Harvesting
    • Performance Reporting

*Income Tax Preparation service is also available separately through our affiliated firm SAGEbroadview Tax

Financial Planning

Singles Couples
One-time onboarding fee
(Due upon signing, non-refundable)
$1,000 one-time $1,500 one-time
Monthly recurring fee starting at: $200 monthly $300 monthly
Fees will be automatically debited from your checking account.
Access to your financial planner between meetings as urgent or important questions arise
Services Included
  • Creating Goals
  • Coaching
  • Cash Flow Planning
  • Strategies to increase your Credit Score
  • Optimize Checking, Savings & Credit Card accounts
  • Make the most out of Employee Benefits
  • Insurance Planning
  • Estate Planning
  • Income Tax Education
  • Debt Management
  • Implementation Assistance
  • Managing Finances as a Couple
Portfolio Management

 

The annual cost for Portfolio Management services is just 0.50% of the investment accounts we manage for you. That is $5 for every $1,000 in your portfolio.

Fees are deducted from your accounts.

Services Included
  • Risk Tolerance Testing
  • Investment Policy Statement
  • Asset Allocation
  • Automated Rebalancing
  • Globally Diversified Portfolios
  • Low Cost Funds
  • Tax Loss Harvesting
  • Performance Reporting

Coffee and conversation

Before we talk numbers, we ask questions. What are your likes and dislikes? What are your goals for the next 1, 5, and 10-years? Are you a spender or a saver? The more we know, the more we can create a custom-tailored plan to help you achieve the life you imagine.

Living the dream

Everyone wants to ‘live the dream’. Thing is, everyone’s idea of that dream is different. Through conversation, questions and analysis, we’ll help you clearly define your dream so together we can create a working plan to achieve it.

The way forward

Once we’ve defined your long-term goals, we will craft an individualized, holistic plan that will allow you to travel the road of life with focus, clarity and confidence.

We got this

Our aim is to earn your trust and gain your confidence. As a trusted partner, we’ll be there to help guide, advise and inform you as you navigate the various stages of life and all that comes with it.

If you’d like to chat, please take a minute to answer a few questions.