Sage Hill guides families to take advantage of the full range of opportunities that arise from realizing, protecting, growing and transferring wealth.

• Multi-generational estate planning
• Business family succession and capitalization
• Family wealth governance
• Investment portfolio management
• Income tax planning and management
• Financial risk management
• Insurance

Sage Hill has sourced the best-in-class software, planning tools, and strategic alliances to ensure that we can bring our clients a range of solutions and expert advice. We have chosen these resources and partners for their ability to help us design unique and customized solutions for each client.

Portfolio Design and Management
Hiring someone to help you manage your money is a difficult decision. As an investor you receive mixed messages from financial outlets, and marketing hype which focuses solely on past performance. Our approach is different; we focus on you first and then the investments. We make it a priority to understand your cash flow requirements through the remainder of your lifetime, income tax situation, and risk tolerance. We also identify your objectives as they relate to financial support of heirs or charitable organizations. Through this process we quantify and earmark assets to provide you with ample income to meet your current and future lifestyle goals as well as funds needed for special purposes like new business ventures, grandchildren’s college education or the purchase of a secondary residence. With this analysis of lifestyle needs we can thoughtfully craft and manage your portfolio…with only the requisite risk.

The goal of our analytical work is to determine the best mix of assets to reach your goals. We will identify assets that fit within your risk comfort zone and combine them in order to minimize risk and maximize potential return. Our arm's length access to a multitude of investment banks and sector managers enables us to apply the best fit (from a performance, risk, and discipline approach to each element of the portfolio. The performance of your portfolio will be carefully monitored and reported to you in a way that is clearly understandable. Our commitment is to keep you informed and to maintain an open dialogue about your priorities so that we can make adjustments as warranted due to changes in your circumstances. We also may suggest changes to your portfolio due to market conditions or in the event a manager of your portfolio fails to deliver expected performance.

We invite you to contact us for a complimentary consultation and review of your portfolio. We often find that our approach lowers potential risk while maintaining your return objectives.

A Strategy for Success
A successful investment strategy requires that you understand where you are going and if you are on track. At Sage Hill we define a return objective for every portfolio and provide you with a way to measure your progress along the way. We will develop a benchmark index for your portfolio as part of the development of your statement of investment policy. For example, if we decide the best portfolio for you is one that is 60% invested in large US stocks, and 40% invested in high quality bonds an appropriate benchmark index would be 60% the S&P 500 stock index and 40% invested in high quality bonds an appropriate benchmark index would be 60% the S&P 500 stock index and 40% the Lehman Government/ Corporate Bond Index.

Risk Reduction
To achieve financial success clients must be able to stick with their investment program even through the difficult markets that come along periodically. At such times, emotions can undermine a client’s efforts to reach their financial goals. For that reason we pay special attention to how portfolios perform in poor market environments. Declines in portfolios can’t be avoided entirely. However, we can design portfolios that limit losses relative to the markets in general. This helps clients weather the storm and ultimately reach their long-term investment goals.

Outlined below is an example of the potential return characteristics of a portfolio utilizing some of the investment techniques we have deployed for our clients.  It should not be assumed that any projected returns incorporated herein are guaranteed or that past performance is in any way a prediction of future results.  The information provided is for illustrative purposes only and not be construed as providing a specific recommendation in any particular investment vehicle.  The indices used, while thought to be representative of a specific sector, are not guaranteed to achieve similar future results.

Sage Hill Vault
The Sage Hill Vault is your personal web-based access to your valuable documents, account information, and financial data. With unlimited access at anytime, from anywhere in the world, you have real-time availability to collaborate with all your advisors when you have to make a quick decision or just when you are thinking about your financial future. Features include:

• Secure online access to important documents
• Online access to such other important items as medical records,
  passports, family photos, etc.
• Secure maintenance of all financial data in one location
• Portfolio summaries and analyses
• Financial index data

The Wealth Blueprint
Good planning doesn’t happen overnight and is often complex, so we have created the Sage Hill Wealth Blueprint to make sure you understand every step in the process and are presented with a comprehensive plan of choices. We have worked with one of the industry’s top think tanks in the United States to offer top-in-class, well-researched coordinated estate planning tactics and strategies. The Sage Hill Wealth Blueprint includes:

• Summary of your personal data
• Estimate of net worth
• Current balance sheet
• Goals & objectives
• Observations & your family financial philosophy
• Scenario analyses, before & after charts
• Recommendations, including graphic diagrams to illustrate tax savings or
  increase in income