How do we assist investors in solving the investment puzzle?  By developing a sane and sensible investment program.  We follow the same disciplined approach used by large institutions for the design and implementation of your portfolio.  We do this by having a series of meetings with you.

 The First Meeting - Initial Planning Consultation and Analysis
We begin the planning process by getting to know our client very well before we make recommendations.  We discuss your investment goals and objectives.  We construct a complete financial profile of you and your family.  We check tax status, liquidity needs, income needs and how long you expect your funds to last.  We ask you whether an inheritance is planned or will all the funds have to be consumed.  We take information on your financial situation as well as review your current and recent tax returns to determine if there are any strategies we can use to lower taxes.

 The Second Meeting - We will outline the areas where we can improve your situation
We discuss the various programs and strategies we use.  We select a portfolio that meets the risk-reward criteria of our client.  We use the same modeling software and data assumptions that are used by large institutions.

We focus on the control of risk by optimally diversifying among asset classes and differing investment styles within asset classes.  We explain how the portfolio has performed in the past. We dig into the details of the design and clearly explain the risk and reward performance of the portfolio.

 Decision
Hopefully, you now know how we propose to invest your funds and you completely understand our process.  Together we must decide whether to proceed with a relationship.  We are not the right advisor for every client.  You may not be the right client for us.  Up to this point there has been no fee.  We would then discuss the fee-only and fee-based structure.

 The Third Meeting
The process of establishing accounts, at SagePoint Financial, Inc., is begun and together we arrange for the transfer of funds or securities into these accounts.  The accounts are in your name, not ours.  With your permission we will execute trades in these accounts and if fee-only, our advisory fee is paid from them automatically.  Once assets have been transferred into the advisory accounts, our fee begins.  We select managers who are specialists in their asset class or style.  We perform extensive screening of these managers according to the same fiduciary standards used by the largest investment companies.  We have access to thousands of professionally managed accounts.

 Monitoring & Reporting
We provide periodic performance measurement, monthly accountings, and offer regular review meetings with clients, at least annually.  You can also request a meeting with us anytime you feel the need.  You will know exactly how you are doing and will be able to monitor your assets online, if you so choose.

Investors should be aware that investing based upon strategies or models does not assure a profit or guarantee against loss.  With any investment vehicle, past performance is not a guarantee of future results.

There is no guarantee that a diversified portfolio will outperform a non-diversified portfolio in any given market environment. No investment strategy, such as asset allocation, can guarantee a profit or protect against loss in periods of declining values.