For the independent business owner/entrepreneur, Sage offers entity-restructuring strategies, retirement planning and tax-deductible risk management solutions. The goal is very straightforward: reduce Federal and State income taxes to the greatest extent under the law.

At Sage, we protect and preserve family wealth and are adept at illustrating exactly how families can eliminate confiscatory taxes. Many people don’t realize that estate taxes are voluntary. Through proper planning, it’s possible to legally eliminate all estate taxes over time.

The most important thing to keep in mind relative to asset management and wealth accumulation, is to reduce the probability of loss associated with unnecessary risks and portfolio volatility.

Sage Consulting helps clients eliminate the majority of downside risk through proven hedging strategies and structured products. Sage clients benefit from our low risk fiduciary asset management programs.

With today’s litigious society, it’s important to insulate yourself and your family from lawsuits. Our affluent clients are often targets of abuse and their wealth can be compromised through litigation and lawsuits.

Select Sage clients utilize a combination of trusts and financial instruments that provide asset protection. These include proprietary retirement plans, domestic asset protection trusts and specialty insurance products.

All retirement plans are not created equal. For many business owners, the structure of their existing plans may be flawed or underutilized in significant ways.

Sage reviews the current design and matches it to the objectives of the owners to maximize value. We provide structural and actuarial analysis resulting in a more efficient and profitable plan for the business owner.

Policies today, even those issued a couple of years ago, are not performing as expected. Any number of factors can dramatically compromise your policy’s performance resulting in a policy that is considerably more expensive than anticipated.

Sage Consulting provides the most sophisticated diagnostic tools available to businesses and families today. The Sage Audit Process identifies savings and reduces risk.

Additional value is achieved through our co-ownership of M Financial. Sage is part-owner of the largest agent-owned reinsurance firm in the country, M Re-Insurance Group, with over $67 billion of in-force life insurance coverage. Through this alliance, Sage clients realize a significant strategic advantage and cost savings through negotiated underwriting offers.

The wealth protection needs of physicians are unique and complex. With higher incomes and the associated tax implications of a higher net worth, it’s important to provide creative solutions and sound guidance.

Sage offers income tax reduction strategies for physicians, proprietary insurance products, specialized qualified retirement plans, and unique life and disability products to protect what matters most.

We help our clients structure the transition and/or sale of their businesses via buy-sell agreements and other financial transactions.

Sage’s in-house, advanced estate planning attorneys review all documentation related to the ownership and transfer of business interests. We review the various methodologies currently available to pay income and estate taxes, and deliver necessary working capital and business liquidity.

Retaining the best and the brightest team doesn’t happen by accident. Crafting the right solution-sets and achieving savings for your company does not need to be complex or take an inordinate amount of time.

Sage provides comprehensive consulting services to help retain the best and brightest employees for your company. Programs include deferred compensation, supplemental executive retirement plans and many other risk management solutions. Sage will evaluate your existing programs to increase efficiency and lower costs, and consult with you to craft solutions that best meet your current and long-term needs.