Sage Capital

What Sage Capital does

Sage Capital Advisors, LLC is an independent, fee-only, fiduciary SEC-registered investment adviser headquartered in Sioux Falls, South Dakota, with additional offices in La Jolla, California, and Tomball, Texas. Founded in 2005 by Diana Blair and Matt Johnson, the firm provides personalized financial planning and disciplined investment management to affluent individuals, small and medium business owners, tribal entities, and a network of professional partners (attorneys, CPAs, trustees). Service delivery follows a five-step consultative process (Discover, Recommend, Implement, Monitor, and ongoing guidance) anchored by a proprietary due diligence process used to build customized portfolios rather than off-the-shelf mutual fund allocations.

The firm operates a specialized Native American Division offering minors trusts, ERISA 3(38) fiduciary retirement plan management, customized tribal investments, and bespoke financial education programs; this division reportedly carries 75+ combined years of tribal-sector experience and is led in part by a Native American professional. Investment management is anchored by two Chartered Financial Analysts (CIO Matt Johnson and Director of Investments Andy Nugent), and client assets are custodied at Charles Schwab and Fidelity, which the firm leverages for transparency and program customization. No software product, mobile application, or API is offered — all services are delivered as human-led advisory engagements.

Sage Capital generates revenue through recurring investment advisory fees on a fee-only basis with no commissions or product sales, operating under a fiduciary standard that legally obliges it to act in clients' best interests. Specific fee schedules and AUM are not publicly disclosed. The firm employs roughly six professionals across three offices and pursues a sales-led, consultative go-to-market motion anchored by a no-cost introductory Q&A session and referral partnerships with CPAs, mortgage brokers, and attorneys. Client acquisition is supported by a content-marketing program including a quarterly market commentary blog authored by the CFA team and a newsletter subscription funnel.

Name

Sage Capital

Legal name

Sage Capital Advisors, LLC

Website

https://sage-cap.com

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

1–10 employees

Short description

Sage Capital Advisors is a fee-only, fiduciary SEC-registered investment adviser serving affluent individuals, small business owners, and tribal entities via personalized financial planning and customized portfolio management, with offices in South Dakota, California, and Texas.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940), Trusts, Estates, and Agency Accounts (525920)

SIC

Investment Advice (6282)

akta.pro primary industry

Financial Planning–Led RIAs (FSAAACAB)

akta.pro secondary industries

Registered Investment Advisor (RIA) Wealth Management (FSAEABAA), Institutional Consulting RIAs (OCIO/Endowments/Foundations/Pensions) (FSAAACAG), Directed Trust & Trust Advisory Services (FSAAANAK)

Keywords

• Wealth management
• Investment advisory
• Fiduciary services
• Financial planning
• Retirement plan management

Headquarters

HQ city

San Diego

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Investment Advisory Fees: Fee-only registered investment advisor that charges fees for advisory services. Operating as a fiduciary, they are legally obligated to act in clients' best interests. They do not charge commissions or sell products.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Sage Capital Advisors, LLC is an independent, SEC-registered investment adviser that delivers fee-only, fiduciary wealth management and customized financial planning services to affluent individuals, small business owners, tribal entities, and professional partners. Its core offerings combine consultative financial planning with disciplined, research-based investment management via a Discover-Recommend-Implement-Monitor process, including specialized Native American advisory services such as minors' trusts, ERISA 3(38) retirement plan fiduciary support, and tribal investments.

Product overview

Sage Capital operates as a unified wealth management and investment advisory firm offering personalized financial planning and disciplined investment management services. The core offering is their consultative wealth management service, supported by a specialized Native American Division that provides minors' trusts, retirement plans, tribal investments, and custom education programs. Services are delivered through a five-step proprietary process (Discover, Recommend, Implement, Monitor, and ongoing guidance) and include business valuation and retirement plan management for business clients. The firm operates as an independent, fiduciary, fee-only registered investment adviser.

Differentiator

Problem solved

Functional benefit

Brands

• Native American Division: A dedicated division of Sage Capital providing investment management and financial advisory services to tribal entities, including minors' trusts, retirement plans, tribal investments, and financial education programs.

Products and services

• Wealth Management Comprehensive investment management and financial planning services combining consultative financial planning with disciplined, research-based, customized investment management for affluent individuals, small business owners, tribal entities, and professional partners.
• Native American Division Specialized investment management and financial advisory division serving tribal entities, led by a Native American team member, offering minors' trusts, retirement plans, tribal investments, and custom financial education programs.
• Minors Trusts Specialized trust fund management for minors, developed and refined over 20 years, working with custodians like Charles Schwab and Fidelity to build customized programs with accompanying financial education materials.
• Retirement Plans Fiduciary support for retirement plan investments under ERISA 3(38), including reviewing, managing, and reporting on plan investments with compliance and fiduciary documentation.
• Tribal Investments Customized investment management for tribal communities using proprietary research and due diligence, including development of Investment Policy Statements tailored to each tribal client's situation.
• Financial Education Programs Customized financial education materials and programs for minors with trusts, adults seeking financial education, seniors learning about fraud awareness, and general investment education programs tailored to tribal and other client communities.
• Business Services Wealth management services for small and medium business owners including company valuations, risk-adjusted portfolios, and retirement plan management.
• Professional Partner Services Collaborative wealth management services provided alongside estate planning attorneys, tax professionals, private trustees, business success planners, life insurance agents, and fellow financial planners.

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered core and supporting.

• Charles SchwabcoreTechnology or IntegrationTrusted custodian relationship for client assets. Provides transparency and allows the firm to build customized programs for minors trusts and tribal investments while maintaining independence.
• FidelitycoreTechnology or IntegrationTrusted custodian relationship for client assets. Allows the firm to customize programs for clients while keeping up on current trends and maintaining transparency.
• CPAs, Mortgage Brokers, and Attorneys NetworksupportingStrategic or Co-development PartnerTrusted network of third-party professionals used when clients require services outside of the firm's expertise. These partnerships allow Sage Capital to extend services while maintaining the same high standards of integrity and efficiency.

Scale indicators5 records

Recent moves5 records

Expansion highlights5 records

Emerging players

• Pierce County Financial Services: Pierce County Financial Services is a small, fee-only RIA focused on personalized financial planning and investment management for individuals and small businesses. It is comparable to Sage Capital as a boutique, planning-led, fee-only RIA with overlapping HNW and SMB clientele.
• Facet Wealth: Facet Wealth is a tech-enabled, flat-fee financial planning and investment management firm serving affluent households nationwide. It is comparable to Sage Capital in fiduciary, fee-only financial planning for mass-affluent and HNW clients, but uses a digital-delivery model rather than Sage's high-touch local model.

Broad incumbents

• Hightower Advisors: Hightower Advisors is a national RIA platform serving high-net-worth individuals, families, and institutions with wealth management and planning services. It is comparable to Sage Capital in fiduciary wealth management focus, but is a large aggregator with many partner firms across the U.S.
• Creative Planning: Creative Planning is one of the largest independent, fee-only RIAs in the U.S., offering comprehensive wealth management, financial planning, and investment management. It is comparable to Sage Capital as a fee-only fiduciary RIA, but operates at much greater scale and across more service lines and geographies.
• Buckingham Wealth Partners: Buckingham Wealth Partners is an RIA providing financial planning and investment management to affluent individuals, business owners, and institutions, with an emphasis on evidence-based investing. It is comparable to Sage Capital in research-driven, planning-led advisory model for HNW and SMB clients.
• Carson Group: Carson Group supports a national network of fiduciary financial advisors with coaching, technology, and back-office resources. It is comparable to Sage Capital as a wealth advisory platform serving independent advisors and affluent households, though at much greater scale and with a partner-firm model.
• Edelman Financial Engines: Edelman Financial Engines is one of the largest independent RIAs in the U.S., providing financial planning, investment management, and retirement-plan services to individuals and corporate plans. It is comparable to Sage Capital in fiduciary wealth and retirement plan focus, but at much larger scale and national reach.
• Sequoia Financial Group: Sequoia Financial Group is a fee-only RIA offering wealth management, financial planning, and retirement plan services to individuals and institutions. It is comparable to Sage Capital in fiduciary wealth and retirement plan focus, with overlapping ERISA 3(38) retirement plan fiduciary capabilities.
• Mariner Wealth Advisors: Mariner Wealth Advisors is a national, fee-only RIA serving affluent individuals, families, and institutions with financial planning, investment management, and tax services. It is comparable to Sage Capital in fiduciary, planning-led model and affluent/SMB client base, but operates at significantly larger scale across multiple regions.

Regional players

• TrueWealth Advisors: TrueWealth Advisors is a fee-only, fiduciary RIA serving individuals, families, and small businesses in select regions of the U.S. with comprehensive financial planning. It is comparable to Sage Capital as a boutique, fee-only, planning-led RIA with multi-state presence, though without Sage's tribal-entity specialty.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Sage Capital