Planning Ahead:

Finding the Right Key to Unlocking

Your Robust Financial Future

For over a hundred years, Sage Rutty has been assisting families create and preserve wealth. What is most effective for one client, may be different for another client. Sage Rutty Advisors supply their clients with the keys to unlock the right financial planning strategy, opening doors to the best investment track leading to a well-planned financial future.

With nearly 20 unique advisory teams, Sage Rutty advisors are experts in a variety of financial planning fields that are tailored for the client's distinct needs. Our expert advisors are skilled in adapting investments to adjust to life’s changes and your changing needs. Our comprehensive financial services include: financial planning; trust services; retirement planning; investment management and fixed-income, bonds & CD’s. With no proprietary products to sell, the client can feel confident knowing they will receive the most objective and honest guidance possible across all of our service offerings including:

Financial Planning

• Retirement Projections and Income Planning
• Estate Planning
• Tax Planning
• Survivor Needs Analysis
• Risk Analysis and Insurance Review

Trust Services

• Revocable or Living Trusts
• Charitable Remainder Trusts
• Irrevocable Trusts
• Succession Planning Remainder Trusts

Retirement Planning

• IRAs: Traditional, Roths and Rollovers
• 401(k) and 403(b) Management
• Pension and Profit Sharing Plans
• Converting Your Investments into a Retirement Income

Investment Management

• Portfolio Analysis
• Asset Allocation Development
• Portfolio Management

Fixed-Income, Bonds & CD's

• Tax-Free Municipal Bonds
• Corporate Bonds (with Survivor Option)
• CD's (with Survivor Option)

We invite you to explore our website and review our financial advisor teams. You'll notice that all of our advisor pages look a little different - that is because all of our advisors do things a little differently.

You can also learn more about our advisors by attending one of their free seminars, which gives you an opportunity to get to know them in a stress-free, sales-free, no obligation environment. You can find the calendar of events for Sage Rutty Financial Workshops online.

If all else fails, please call Wayne Holly, our President, at 585-512-2300 or email him at wholly@sagerutty.com and he will be happy to guide you.

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The Diversified Art of Investment Management

The art of having a healthy investment portfolio is not having all your eggs in one basket. Portfolio diversity helps spread the risks and increase the rewards. Diversity in where and how you invest are both important. Sage Rutty Advisors supply their clients with the keys to unlock the right financial planning strategy, opening doors to the best investment track leading to a well-planned financial future.

One of the ways to create diversity in your portfolio is asset allocation. Asset allocation is the studied implementation of an investment strategy that attempts to balance risk versus reward by adjusting the percentage of each asset in an investment portfolio according to the investor's individual needs and concerns.

Asset allocation performance varies in different market and economic conditions. A fund that holds more than one asset class is called an asset allocation fund. An asset class is a group of economic resources sharing similar characteristics, such as return and riskiness. According to Wikipedia, asset classes are typically divided into two groups: traditional assets and alternative assets.

Traditional Assets:

• stocks
• bonds
• cash

Alternative Assets:

• Commodities: precious metals, nonferrous metals, agriculture, energy, others.
• Commercial or residential real estate (also REITs)
• Collectibles such as art, coins, or stamps
• Insurance products (annuity, life settlements, catastrophe bonds, personal life insurance products, etc.)
• Derivatives such as long-short or market neutral strategies, options, collateralized debt, and futures
• Foreign currency
• Venture capital
• Private equity
• Distressed securities

Finding a financial advisor that can find the right investment balance for your portfolio is what Sage Rutty does best. We have a group of financial teams that understand the client’s financial needs and can suggest a top-notch, custom investment strategy that minimizes risks and maximizes results.

We invite you to explore our website and review our financial advisor teams. You can also learn more about our advisors by attending one of their free seminars, which gives you an opportunity to get to know them in a stress-free, sales-free, no obligation environment. You can find Sage Rutty’s Financial Workshops’ calendar of events online.