We don’t replace advisors. We make them more effective.
Sage, an advanced-planning & joint business specialist, is designed to function as an extension of your client’s existing advisory team — not a replacement. CPAs, estate attorneys, and financial advisors remain the primary relationship owners.
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:
Our Work Fits Your Process
We integrate into your existing advisor and carrier relationships, not around them.
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 repositions qualified plan assets into a structure designed to help reduce tax erosion and enhance the value ultimately transferred to your heirs.
Using established IRS provisions governing plan-owned life insurance, the LIRA strategy creates a path from pre-tax retirement dollars to tax-efficient, protected legacy capital — all through a documented, compliant process managed by Sage in coordination with your 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 may 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.