Built on relationships, driven by precision
Sage Consulting & Wealth Preservation was founded on a simple belief: families with significant wealth deserve planning that is as thoughtful as the work that created that wealth. We specialize in the intersection of retirement plan assets, life insurance, and inter-generational wealth transfer — working alongside your existing advisory team to deliver strategies that are both sophisticated and practical.
The Sage Approach
From first conversation to ongoing stewardship, this is how we take care of you and your family.
Our First Promise:
Integrity
We say what we mean and do what we say. Every recommendation is grounded in what’s right for the client, not what generates the most revenue.
Our Second Promise:
Safety
We build strategies around established, well-documented IRS provisions — not aggressive interpretations or untested structures.
Our Third Promise:
Creativity
Within the bounds of compliance, we find paths that others miss. Our LIRA strategies exist because we asked different questions about retirement plan assets.
Our Fourth Promise:
People First
Behind every financial model is a family. We design strategies that honor what our clients value most — their people, their legacy, their peace of mind.
Our Fifth Promise:
Thought Leadership
We invest in understanding the evolving landscape of tax law, insurance design, and estate planning so our clients always have access to current, well-researched guidance.
Our Sixth Promise:
Collaboration
We don’t replace advisors — we make them more effective. Every engagement is built around working with, not around, your trusted advisory team.
Our areas of focus
Specialized planning strategies for families navigating complex tax, estate, and wealth transfer situations.
Legacy-IRA Planning©
Our flagship strategy for repositioning pre-tax retirement assets into tax-efficient, protected wealth for your family using established IRS provisions.
Wealth Transfer Design
Coordinated strategies that seek to move assets efficiently to the next generation while preserving family values and minimizing unnecessary tax erosion.
Retirement Plan Optimization
Advanced planning for qualified plan assets — addressing RMD exposure, income tax drag, and the long-term erosion of pre-tax wealth.
Advisory Team Coordination
We integrate seamlessly with your CPA, estate attorney, and financial advisor — providing specialized support without replacing the relationships you trust.
Insurance Strategy & Design
Plan-owned and trust-owned life insurance strategies designed to provide liquidity, estate tax funding, and legacy capital in a tax-efficient structure.
Ongoing Stewardship
Annual policy reviews, reporting support, and continued strategy monitoring — ensuring your plan stays on track as laws, markets, and family circumstances evolve.
Why Families and Advisors Choose Sage:
The Case for Proactive Planning
Without intentional planning, pre-tax retirement assets face a compounding erosion from income taxes, estate taxes, and required minimum distributions. Understanding this impact is the first step.
We Listen First
Every engagement begins with understanding — your family, your goals, your concerns, and the team you’ve already built around you. We don’t propose solutions before we understand the situation.
We Use Your Numbers, Not Hypotheticals
Our analyses use your actual financial information — your retirement plan balances, your tax situation, your family’s ages and goals. Nothing generic, nothing theoretical.
Plain Language, Clear Options
We present strategies in a way you can understand and your advisory team can evaluate. Every recommendation comes with a clear explanation of what it does, what it costs, and what the alternatives are.
We Stay With You
Implementation is the beginning, not the end. Sage provides ongoing stewardship — annual reviews, reporting support, and continued coordination with your advisory team — for as long as the strategy is in place.