Scotts Valley, CA Office

Sage Financial Advisors works with individuals, business entities, trusts, charitable organizations and retirement plans, offering discretionary investment management alongside financial planning, tax return preparation, tax planning, and related consulting. The firm also provides standalone consulting and manages assets held in variable annuity subaccounts when requested.

Portfolios are managed on a fee-only, discretionary basis with allocations primarily to mutual funds and, to a lesser extent, fixed income, individual equities and ETFs; the firm treats cash as an asset class and conducts ongoing monitoring against each client’s stated objectives. Investment decisions are grounded in fundamental analysis with both long- and short-term purchase strategies, and the firm discloses limited use of AI tools under a formal AI policy where outputs are reviewed by staff before reliance.

Several operational features distinguish Sage from many peers: it conducts educational seminars and workshops for employer groups, maintains affiliated CPAs who may provide tax preparation and planning in their separate capacities, and documents procedural practices such as pre-authorized asset transfer arrangements with custodians and specific cash-sweep and cybersecurity controls. These service and governance elements appear alongside customary team-firm practices like percentage-of-AUM billing and individualized financial planning.