Individuals have access to a variety of investment vehicles that can be used to help them meet their short and long-term goals. The suitability of one investment over another depends largely on the individual’s financial situation and his or her own preferences, priorities and tolerance for risk. For those individuals, with excess funds, who have built a solid foundation of savings, protection and diversification of their investments, individual securities such as stocks and bonds, may present a suitable opportunity to achieve additional growth and income. As these i
While many of us don’t realize it, we are constantly engaged in subconscious acts of investment planning. We plan how we can best invest the limited time we have at our disposal. Would the 2-hours we have best be spent visiting a friend at the hospital, or would it be better invested, say, by taking in that ball game? We do some longer-term planning too: Does it pay to invest the effort studying for a degree in Arts, or would we get a better return studying to pass the Bar exam?
So, why don’t we invest the time planning our investments?
Many individuals confuse financial planning with general savings and investing advice. While how to save (and how much!), and where and when to invest those savings, is every bit important, prudent Financial Planning goes much beyond the realm of just saving and investing. The sooner you understand the role of financial planning in meeting your short, medium and long-term financial aspirations, the better you’ll be able to control your financial destiny.
Do you work with people outside of Washington?
Yes. We work with clients who live across and even out of the country.
I’d like to learn more, what’s the next step?
At the bottom of the page is a button that says “Come Meet Us.” You can use that link to set up an initial visit with Russ, Jordan, Michaela, or Michael. You can choose whoever you think would be a good fit for you, and we'll help guide you if, after meeting you, we believe a different advisor than you initially chose would be better suited.
I need help getting out of debt, can you help me?
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.
How do you get paid?
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 an advisory fee on the assets Sage Advisors manages. For the periodic client who wants ongoing advice but prefers to manage their own money, we find a mutually acceptable, ongoing planning fee.
What are the CFA®, CFP®, and ChFC® certifications?
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 CFA®, CFP®, and ChFC® marks, we had to fulfill rigorous certification requirements and have to maintain high standards in competence, ethics, and professionalism through continuing education.
Do I have to pay for the first meeting?
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.
Do I have to come into your office?
No, you do not! While we're happy to meet in our office, we use Zoom to enable us to simultaneously video call and share screens no matter where we each are located.