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.

Planning For Your Financial Future

There are many unknowns that a person can have while planning their life, but their financial future doesn’t have to be one. There are so many angles and considerations while creating the right financial plan for your goals and dreams - for many, this can be overwhelming. Luckily, the financial advisors at Sage Rutty have got you covered.

Whether this is your first step in planning for your financial future, or you’re investing in a part of your plan you’ve been working towards for years, we are determined to help match you with an advisor that fits your needs the best. Perhaps you’ve just married and want to start a savings plan for when you have children. You could be in the middle of raising children and want to ensure you’ll have the funds to pay for their higher education. Or perhaps your children are growing up and you want to now ensure you’ll be financially comfortable in retirement. Our company is comprised of nearly 20 unique advisory teams, and we are confident that the perfect advisor is waiting to meet with you. If you’re interested in planning for your future, or perhaps you’re looking to create a plan for your family, we have every aspect of financial planning and investment management covered, including retirement planning, legacy & estate planning, trust services, fixed income, bonds, and CD’s.

As Rochester’s oldest, locally owned financial services firm, we are proud to count a number of second and even third generation clients among those we serve. We as a firm have formed stability during times of uncertainty while putting our client’s needs as a top priority. We are a family-owned business which is what has rooted us to be so family-orientated in our services. Sage Rutty is not a huge corporation, nor do we have multiple locations. However, we are a loyal, trustworthy company that has a long-standing history of providing quality financial planning services to a community we love. Nothing is more important to us than taking care of others, specifically the families that we serve.

The future is uncertain, but you can rest easy knowing that you’re in good hands when it comes to your finances. Sage Rutty is committed to giving their clients the best service possible while producing results that will last a lifetime. To learn more about our services and how to get started with a financial advisor, you can visit our website or give us a call at (585)-232-3760.

Don’t Wait to Plan Your Estate

Believe it or not, you have an estate - nearly everyone does. Your estate is comprised of everything you own: your car, home, other real estate, checking and savings accounts, investments, life insurance, furniture, and other personal possessions. No matter how large or how small, everyone has an estate and something in common - you can’t take it with you when you die.

What is Estate Planning?

When your time comes, you probably want to control how your possessions are given to the people or organizations you care about most. To ensure your wishes are carried out, you need to provide instructions stating whom you want to receive something of yours, what you want them to receive, and when they are to receive it. You will, of course, want this to happen with the least amount paid in taxes, legal fees, and court costs. 

How to Create a Successful Estate Plan 

These items should be included in a thorough estate plan:

1. A Will: Name who will inherit your belongings and choose a guardian and inheritance manager for minor children.
2. Health Care Directives: Include a living will and a power of attorney.
3. Financial Power of Attorney: Grant someone legal authority to act on your behalf regarding financial issues if you become incapacitated and are unable to make those decisions yourself. 
4. File Beneficiary Forms: Naming a beneficiary for retirement plans and any bank accounts makes the funds automatically "payable on death" to your beneficiary and allows for the probate process to be skipped altogether. 
5. Life Insurance: Can help provide immediate cash at death. 
6. Preplan Your Funeral: Planning ahead enables you to make financial arrangements to cover your funeral costs. Even if you are leaving behind sufficient money, will your survivors be able to access it? Funeral insurance and funeral trusts are sound financial planning options you can consider ahead of time.

Individuals put off estate planning because they think they don’t own enough, they’re not old enough, they’re busy, think they have plenty of time, they’re confused and don’t know who can help them, or they just don’t want to face it. But what if something happened to them? Sage Rutty can help by offering step-by-step guidance to put you at ease. By evaluating and addressing any financial concerns, Sage Rutty provides peace of mind regarding important questions about personal estate plans.

Learn more about estate planning and how we can help by visiting SageRutty or calling 585-232-3760.