Sage Investments

What Sage Investments does

Sage Investments is a privately-held, family-led financial advisory firm headquartered at 215 8th Street in Honesdale, Pennsylvania, founded in 2004 by Jonathan "Josh" Sheard. The firm serves individuals, families, and small business owners across Northeast Pennsylvania, including the Honesdale and Scranton markets, offering five integrated service lines: retirement planning, investment management, tax and income planning, insurance and risk management, and estate planning guidance. The firm holds a Pennsylvania-specific tax expertise positioning, including knowledge of state exemptions on Social Security, pension income, and most IRA withdrawals.

The firm operates on a fee-based/AUM revenue model typical of registered investment advisors, with securities and advisory services delivered through a core broker-dealer relationship with Centaurus Financial, Inc., a FINRA/SIPC member and Registered Investment Advisor. Custody, portfolio management, and client portal technology are provided through third-party platforms including Albridge, Orion, and Axos Advisor Services; no proprietary technology is developed or owned by Sage Investments. The advisory process is documented as a four-step consultative engagement — Discover, Plan, Implement, and Guide — delivered via scheduled in-person consultations.

The team consists of approximately six staff including founder Josh Sheard (Series 7, 24, 66 licenses), his son Andrew Sheard who joined in 2022 with CFP, ChFC, and CLU designations, Head of Marketing Mary M. Samson (since 2011), Senior Executive Assistant Chandra Dickison, and administrative staff. The firm is structured as Sage Investments, LLC with no parent company, external investors, or institutional backing identified. Operating status is active with regularly maintained web content through 2026.

Name

Sage Investments

Legal name

Sage Investments, LLC

Website

https://sageinvestments.net

Company type

Private

Founded year

2004

Operating status

Operating

Short description

Sage Investments is a privately-held, family-led financial advisory firm in Honesdale, Pennsylvania, offering retirement, investment, tax, insurance, and estate planning to individuals, families, and small business owners across Northeast Pennsylvania.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Registered Investment Advisor (RIA) Wealth Management (FSAEABAA)

akta.pro secondary industries

Estate & Legacy Planning Advisory (FSAEAAAG), Financial Planning–Led RIAs (FSAAACAB), Corporate Retirement Plan Advisory RIAs (ERISA 401(k)/403(b)) (FSAAACAF)

Keywords

• Financial advisory services
• Retirement planning
• Investment management
• Wealth planning services
• Estate planning guidance

Headquarters

HQ city

Milanville

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Financial Advisory Services: Revenue generated through financial advisory and planning services, likely fee-based or AUM (assets under management) model. Services include retirement planning, investment management, estate planning, insurance strategies, and tax planning for individual clients and small business owners.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Sage Investments provides comprehensive wealth planning services for individuals, families, and small business owners in Northeast Pennsylvania. Its core offerings include retirement planning, investment management, tax and income planning, insurance and risk management, and estate planning guidance, delivered through a fiduciary advisory relationship rather than a software platform. Services are offered through an affiliated relationship with Centaurus Financial, Inc., a FINRA/SIPC member broker-dealer.

Product overview

Sage Investments offers a unified financial advisory platform providing comprehensive wealth planning services. The firm's service portfolio includes five integrated offerings: Retirement Planning (projections, Social Security timing, tax-efficient withdrawal strategies), Investment Management (portfolio construction, risk management, diversification), Tax & Income Planning (proactive tax strategies, Roth conversions, income coordination), Insurance & Risk Management (coverage analysis, long-term care planning, hybrid LTC insurance), and Estate Planning Guidance (trust coordination, inheritance tax planning, beneficiary designations). These services are delivered as a consultative advisory relationship rather than a modular software platform, with strategies tailored to individual client goals, timelines, and Pennsylvania-specific tax considerations.

Differentiator

Problem solved

Functional benefit

Products and services

• Retirement Planning Creates a secure, tax-efficient plan for the retirement lifestyle clients want, including retirement projections, Social Security timing optimization, and tax-efficient withdrawal strategies to help clients convert savings into lasting income. Designed for individuals and families in Northeast Pennsylvania.
• Investment Management Builds and manages personalized investment portfolios focused on risk management, diversification, and long-term growth aligned with client goals. Designed for individuals, families, and small business owners seeking goal-based portfolio management.
• Tax & Income Planning Provides proactive tax planning strategies and income coordination to maximize after-tax wealth and align withdrawals with tax-efficient approaches, including Roth conversions and income timing for Pennsylvania small business owners. Designed for individuals and small business owners seeking tax-efficient retirement and wealth planning.
• Insurance & Risk Management Identifies insurance strategies to protect client assets and legacies against life uncertainties, including coverage analysis, long-term care planning, and hybrid LTC insurance solutions. Designed for individuals and families seeking to safeguard their financial plan.
• Estate Planning Guidance Coordinates with estate attorneys to ensure smooth asset transfer, beneficiary management, and honoring of client wishes through trusts and gifting strategies, including inheritance tax planning. Designed for individuals and families seeking coordinated wealth transfer and legacy planning.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core and supporting.

• Centaurus Financial, Inc.coreChannel Partner/ Reseller/ DistributorSecurities and Advisory services offered through Centaurus Financial, Inc., a Member FINRA/SIPC and Registered Investment Advisor. Sage Investments operates as an affiliated advisor under this broker-dealer relationship.
• AlbridgesupportingTechnology or IntegrationThird-party wealth management platform used by Sage Investments for client account access and portfolio management.
• Orion (formerly SEM Wealth Management)supportingTechnology or IntegrationThird-party advisor technology platform providing client portal and portfolio management tools for Sage Investments clients.
• Axos Advisor ServicessupportingTechnology or IntegrationCustodian and technology platform for investment account management and administration.

Scale indicators2 records

Recent moves5 records

Expansion highlights3 records

Direct peers

• Ameriprise Financial: Financial advisory company with a large network of franchise financial advisors providing comprehensive financial planning, retirement, and investment management to individuals and small businesses — directly comparable offering and client base to Sage.
• Edward Jones: National financial services firm operating through thousands of local-branch financial advisors serving individuals and families with retirement, investment, and estate planning; the closest model analog to Sage Investments' local-office, relationship-driven advisory approach.
• Cetera Financial Group: Network of independent broker-dealer firms and RIAs serving individual investors with financial planning and wealth management; structurally analogous to Sage's Centaurus-affiliated advisory model.
• Commonwealth Financial Network: Independent broker-dealer and RIA supporting affiliated financial advisors serving individuals and families with comprehensive planning; a close structural peer to Sage given the broker-dealer affiliation model and small-practice advisor base.
• Raymond James Financial Services: Broker-dealer and wealth manager with an independent-advisor network delivering financial planning, retirement, and investment services to individuals; comparable to Sage's model of advisory services delivered through a broker-dealer relationship.

Broad incumbents

• Fisher Investments: Large private investment advisory firm managing portfolios for individual and institutional clients; overlaps with Sage's investment management service but at far larger AUM scale and without Sage's local face-to-face planning model.
• Mariner Wealth Advisors: Large national RIA offering comprehensive financial planning, investment management, and tax and estate services to individuals and families; comparable offering but at much greater scale and geographic breadth than Sage.
• Charles Schwab Wealth Advisory: Large incumbent wealth advisory service offered through Schwab combining dedicated advisors with technology-enabled planning; a key competitive incumbent for the same mass-affluent retirement-planning segment Sage serves.
• Vanguard Personal Advisor Services: Hybrid robo-and-advisor service offering ongoing financial planning and portfolio management to individuals at low fees; a major competitive incumbent targeting the same mass-affluent retirement-planning household as Sage.
• Creative Planning: Large national RIA providing unified wealth management, retirement, tax, and estate planning to individuals and small business owners; comparable integrated service platform but at significantly larger scale than Sage's local practice.

Market position

Weaknesses5 records

Competitive moat4 records

Key risks3 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/SageInvestments
• LinkedInlinkedin.com/company/sage-investments-limited

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

Investments1 record

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

Frequently asked questions about Sage Investments