Sage Saguaro Financial Planning

The firm provides discretionary and non‑discretionary asset management for individuals, high‑net‑worth clients, trusts, estates and business entities, and also offers comprehensive financial planning and consulting through hourly or fixed‑fee engagements. Financial planning covers a broad set of topics including retirement, tax considerations, employee benefits, business planning, education funding, protection needs and estate preservation.

Investment advice is informed by fundamental analysis and Modern Portfolio Theory and emphasizes long‑term purchases, regular portfolio monitoring, and periodic client reviews with ongoing check‑ins. The firm documents client goals and may deliver investment management itself or engage third‑party sub‑advisors to manage all or part of client assets, retaining authority to select, terminate, and where disclosed further delegate discretionary authority to other advisors.

Notable operational features for a newly formed independent adviser include reporting no assets under management or active clients at the time of filing and a stated requirement that clients use a particular custodian for accounts; the firm also discloses that it generally does not aggregate trades across individual accounts. The principal holds CFP certification and the firm maintains a written Code of Ethics, quarterly personal‑trading reviews, and specific disclosures about sub‑advisor use and potential soft‑dollar benefits to address conflicts of interest.