Sage Consulting is built to strengthen your advisory team
Sage serves as an advanced planning and joint business specialist within your existing advisory team. We partner with CPAs, estate attorneys, and financial advisors to enhance the planning process, support more sophisticated outcomes, and respect & preserve your trusted relationship already in place. Your Advisory Team remains at the center of the client relationship, with no risk of disintermediation.
How We Work With Advisors
Even experts benefit from specialized expertise. Sage is nationally recognized for its work in pre-tax life insurance strategies, including the Legacy IRA Strategy (LIRA). We serve our advisory partners as a non-biased, sophisticated planning team, we provide specialized design, coordination, and implementation support so advisors can confidently deliver institutional-caliber solutions without adding unnecessary technical complexity to their practice.
Our First Commitment:
Your Relationship, Protected
You remain the client’s primary advocate. Sage works behind the scenes and alongside you.
Our Second Commitment:
We Complement Your Process
We work within the existing advisory team to enhance planning while respecting established roles and relationships.
Our Third Commitment:
Technical Depth, Delivered Simply
We handle design, coordination, and implementation — and explain everything in language your clients will understand.
Sage Flagship Strategies
How We Augment Your Practice:
Advisory Team Integration: Sage functions as a specialized extension of your existing advisory team. We provide the technical design, coordination, and implementation support that allows your CPA, estate attorney, and financial advisor to confidently introduce advanced planning without taking on the administrative burden. We fit inside your existing relationships — not around them. Your advisors remain in control; we provide the depth.
Legacy-IRA Planning©
The Legacy-IRA Plan (LIRA) is a coordinated strategy that transforms retirement assets intended for heirs into tax-free, protected legacy capital. Using structures recognized by the IRS and Department of Labor for decades, Sage helps families reduce tax erosion and improve the long-term value transferred to future generations through a disciplined, compliant process coordinated with their advisory team.
Wealth Transfer & Estate Efficiency
For families with estates subject to both income and estate tax, the compounding effect of double taxation can consume a significant portion of what you intended to leave behind.
We design strategies that seek to reduce this erosion — positioning assets in structures that provide more efficient transfer to the next generation while respecting your existing estate plan and advisory relationships.
Retirement Plan Optimization
Large pre-tax retirement balances create a growing future tax liability. Required minimum distributions, income tax on withdrawals, and potential estate tax inclusion can erode these assets over time.
We analyze your specific situation and design approaches that may help mitigate this erosion — using your actual numbers, current tax rates, and your family’s particular goals and timeline.