Sage Hill Advisory & Management


	The plans he has put into place for our family have created real and solid security, especially in these difficult times. He takes personal interest in not only our financial success, but in the big picture. He looks for ways to help us achieve our personal goals, as well. We are blessed to have him in our lives. Catherine Wife, Mother, & Artist for Charities

	There are many smart financial advisors out there, and Phil Toffel and his Sage Hill team certainly qualify on that score. What sets them apart is their pro-active attitude. They are not order-takers, but close partners of ours who never take their eyes away from the goal: our financial independence. Judging from TV and print advertising, most firms want you to believe that this is the kind of customized service they provide, but most of them are exaggerating at best. At Sage Hill, that's how they perform every day. Tom (Author) & Linda (Media Executive)


	We have spent our careers working with clients just like you – successful people who lead fast-paced lives. Our clients look to us for advice on growing and preserving financial assets and preparing to transfer wealth to heirs. Our mission is to enable you to have a disciplined, thoughtful, strategic/tactical/action/management plan. We Know That Wealth Creates Complexity As Well As Opportunity Our approach to planning is different than you have ever experienced before. Most people think planning is about money. It’s about so much more. It's about you, your values, your family, and your relationships. As we have taken clients through our Discovery Process, we have been amazed by the profound yet simple truths about life that become clear as they articulate what is important to them. As this process unfolds, they can clearly see the way to proceed to accomplish their goals for themselves and their loved ones. They better understand the planning that they have already done and recognize the areas where improvements are needed. We created our firm to bring together the advice and resources you need to manage your wealth with confidence and ease. We bring over fifty years of experience in the financial services and legal worlds, helping people maximize the opportunities and minimize the challenges created by their wealth. Our team of client relationship professionals throughout the country and our resources in legal, tax, investments, insurances…even organizational psychology… are invaluable in our comprehensive, holistic support of Sage Hill clients. Our Wealth Blueprint is a plan for your wealth that is unique to you and your family. Our State of the Art web-based Sage Hill Vault will help you manage your important documents and information flow, wherever you may be. When you partner with Sage Hill, you will have your information at your fingertips and your decision-making and communication with your team of advisors will be uncomplicated. The result will be a new sense of confidence that your affairs are in order. If you've wondered about any of the following questions, Sage Hill may be right for you.



	What is important about money to you? Are you taking more investment risk than necessary to meet your lifestyle goals? Do you have a plan to disinherit the IRS and have your wealth go to your loved ones and favorite charities? Would you make better decisions about your wealth if your team of legal, tax, investment and estate planning advisors had more direction from you about your values and goals? Are you confident that your current planning provides a way for you to transfer knowledge, experience, ethics and wisdom to your family members?


Sage Hill Advisory & Management \| 18 Division Street, Suite 303B \| Saratoga Springs, New York 12866 Phone: 518.871.1214 Fax: 518.871.1028