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Sage Wealth Planning
Sage Wealth Planning was founded in 2019 by a team of advisors including Ethan Kok, a Certified Financial Planner. The firm is headquartered in Georgetown,...
Sage Wealth Planning
Sage Wealth Planning was founded in 2019 by a team of advisors including Ethan Kok, a Certified Financial Planner. The firm is headquartered in Georgetown, Texas, with an additional presence in Traverse City, Michigan, and serves clients virtually across the United States. The advisory team brings decades of combined financial-services experience, positioning the firm as a planning-centric alternative to traditional broker-dealer models. The firm's strategy is organized around an advice-only architecture. Clients can engage Sage for financial planning, tax strategy, retirement-income modeling and estate coordination without moving their investment accounts to the firm. For those who want integrated investment management, Sage offers a discretionary management track alongside the planning work. The service catalog spans cash-flow planning, equity compensation analysis, education funding, risk management and retirement-plan design. This dual-track model lets the firm serve individuals, high-net-worth families and retirement-plan sponsors without requiring asset custody. Sage Wealth Planning is an SEC-registered investment adviser with a fee-only compensation structure. The firm maintains an office in Austin, Texas, and its Georgetown, Texas, mailing address serves as its primary contact point. No external-capital or fund-commitment activity has been publicly reported, and the firm has not disclosed aggregate assets under advisement or management. In September 2023, the firm published an article on maximizing ESPP benefits, reflecting its active focus on tech-employee clients with equity compensation. The firm's structural differentiator is its explicit separation of advice from product distribution. By offering an advice-only engagement alongside discretionary management, Sage removes the incentive to gather assets that drives most RIAs and wirehouses. This unbundling is still rare in the independent wealth channel, where AUM-based fees remain the dominant revenue engine.
General information
Firm type
Bank / Wealth / Trust
Year founded
2019
AUM
Undisclosed
Location
Region
North America
Country
United States
City
Georgetown
Corporate office
1015 Vista View Dr Unit 2102, Georgetown, TX 78626, United States
Additional offices
Traverse City, MI, United States · Austin, TX, United States
Principals
Janine Kernohan
Advisor
Paige Millikin
Advisor
Ethan Kok
Advisor, CFP®
Frequently asked questions
How does Sage Wealth Planning charge for its services?
Sage is a fee-only firm, compensated exclusively by its clients. It does not accept commissions or product-based payments. Fees are based on the complexity of a client's needs rather than a flat percentage of assets, which supports the firm's advice-only engagement option.
Can a client hire Sage for financial planning without moving investment accounts?
Yes. Sage explicitly offers an advice-only model where clients receive planning, tax and retirement-income strategies while keeping their assets at other custodians. This structure is designed for individuals who already have investment relationships or prefer to self-manage their portfolios.
What types of clients does Sage Wealth Planning serve?
The firm advises individuals, high-net-worth families and retirement-plan sponsors. Its content on equity compensation — including an ESPP-focused article published in September 2023 — suggests it works frequently with tech employees who have stock-based pay.
Who runs investment decisions at Sage Wealth Planning?
The firm's website identifies Ethan Kok, CFP, Janine Kernohan and Paige Millikin as the advisory team. Specific investment-committee roles or portfolio management responsibilities have not been publicly disclosed.
Is Sage Wealth Planning a single-family office or a wealth-management practice?
Sage is an independent registered investment adviser structured as a wealth-management firm, not a family office. It serves multiple households and retirement plans, not a single family's capital.
How is Sage different from most RIAs?
Most RIAs generate their primary revenue from assets-under-management fees, which creates an incentive to consolidate client accounts at the firm. Sage's advice-only service unbundles planning from custody, allowing clients to pay for guidance without transferring assets. This makes it an outlier in the independent advisor space.
Does Sage Wealth Planning publish its AUM or client count?
No. The firm has not publicly disclosed assets under management or advisement, nor its total client base. As a private RIA, it is not required to publish these figures outside its Form ADV, which was not provided as a source.
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