# Sage Wealth Planning

Sage Wealth Planning is a Bank / Wealth / Trust based in Georgetown, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Georgetown, United States
- **Region:** North America
- **Address:** 1015 Vista View Dr Unit 2102, Georgetown, TX 78626, United States
- **Founded:** 2019
- **Assets under management:** Undisclosed
- **Website:** sagewealthplans.com
- **LinkedIn:** https://www.linkedin.com/company/sage-wealth-planning-llc

## Regulatory record

- **CRD number:** 300747
- **SEC file number:** 801-133767
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/300747

## About

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.

## Offices

- Traverse City, MI, United States
- Austin, TX, United States

## People

- Janine Kernohan — Advisor
- Paige Millikin — Advisor
- Ethan Kok — Advisor, CFP®

## 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.

### 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.

### 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.

## Related profiles

- [Sageview Capital](https://altss.com/profile/sageview-capital)
- [Sagewind Capital](https://altss.com/profile/sagewind-capital)

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Last updated: 2026-06-03T20:00:00.000Z

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