Frequently Asked Questions
A fiduciary has the highest level of ethical obligation to put your interest ahead of their compensation and any other considerations. All our advisors are fiduciaries, and acting in that capacity is fundamental to our values.
Our client base varies from young professionals to families to retirees. Each of our advisors has their own special skill set within this range. Our clients are business owners, engineers, teachers, nurses, and more. What unites our clients is a common belief that money is not an end in itself; it’s a means to living a fulfilling life. Our clients value family, giving, and work they believe in. They could manage their own money but choose to delegate that responsibility to us to allow them to spend their time on their talents and passions.
We believe in the power of diversification and investing for the long-term. We want to come alongside our clients, illuminating potential pitfalls and fitting them to an investment strategy that meets their needs. Our goal is not to help clients “get rich quick” or sell them on a hot new investment, but to partner with them to create a sustainable, long-term portfolio that will help them achieve their goals. This process is not a one-meeting engagement, but a partnership designed to curate a portfolio that continues to evolve with you as life changes.
No, you do not! We use Join.Me to enable us to simultaneously video call and share screens no matter where we each are located. Additionally, we’d be happy to meet you over coffee near you if you’re in the greater Seattle region.
No. We believe in the importance of meeting initially without the pressure of any obligations. We want to provide a relaxed visit that allows us to get know each other and determine if we’d be a good fit together. We’ll answer your questions (so be sure to bring some!) and explain the financial planning process with Sage Advisors. Even if we don’t end up working together right away, we hope you’ll consider us in the future.
Most consumers consider all financial planners to be certified, but this isn’t the case. Anyone can call themselves a “financial planner,” but, to use the CFP® and ChFC® marks, we had to fulfill rigorous certification requirements and have to maintain our level of competence, ethics, and professionalism through continuing education.
We get paid by you. For our advisory clients, we are typically compensated on a fee-basis. This aligns our interests with yours. Most of these clients pay the advisory fee on the assets Sage Advisors manages. For the periodic client that wants ongoing advice but prefers to manage their own money, we find a mutually acceptable, ongoing planning fee.
There are a select few products from which we do receive commissions when we implement them with you. These include insurance products, annuities, and 529 plans. We value transparency and will explain to you the costs of these products and how we get paid on them when they apply to your individual circumstances.
Yes. This is one of many areas in which we can help you develop a strategy to achieve your goals. However, we are not a credit counseling or debt relief service; we work with you on debt repayment within the context of your overall financial plan.
At the top of our website is a button that reads “Book A Meeting.” You can use this link to set up an initial visit with Russ, Jordan, or Michaela. To schedule with Katherine, please email her at email@example.com.
Yes. We work with clients who live across and even out of the country.
If something were to happen to your advisor, your money would remain invested in the portfolios you chose together. We have a team of advisors and administrative staff at Sage Advisors, and they would take over caring for you. Even if something were to happen to Sage Advisors, our broker-dealer, KMS Financial Services, Inc., and custodian, Pershing, LLC, have contingency plans to ensure your account is properly managed.