San Diego, CA Office

Sage Capital Advisors primarily serves pension and profit‑sharing plans, plan sponsors and plan participants, as well as individuals, families and certain nonprofit clients. The firm provides discretionary investment management, retirement‑plan consulting and participant education, financial planning and other consulting services, and it may implement strategies through third‑party managers and separately managed account programs.

Sage describes a custom, value‑oriented investment process that blends fundamental and technical analysis to build portfolios tailored to each client’s objectives, using individual equities, ETFs, fixed income, tactical strategies and outside managers. The brochure also discloses that Sage may use options and other derivatives, and may permit borrowing in separately managed accounts, and it offers both discretionary and non‑discretionary management while supporting held‑away account integration via a platform arrangement.

Noteworthy features called out in the brochure include formal retirement‑plan consulting with an acknowledged ERISA fiduciary role and a participant education program that can include seminars or workshops and periodic written communications such as newsletters. The firm also discloses that some representatives are licensed insurance agents (a potential conflict noted in the brochure), offers hourly consulting engagements, and regularly uses sub‑advisers and third‑party managed programs for implementation.