Savage and Company Wealth Management

As a small sole-proprietorship RIA, investment decisions are typically made by the named owner and any associated investment adviser representatives. The firm's SEC registration does not list a separate chief investment officer or investment committee. Clients should expect an advisor-driven process tailored to individual financial plans rather than a centralized institutional strategy.

There is no public evidence of pooled fund commitments, venture investing, or private-market deal participation. The firm's regulatory filings and client-facing posture indicate standard brokerage or separately-managed account investing through third-party custodians, focused on publicly traded securities and traditional asset allocation strategies.

The firm's retail advisory model centers on public equities, fixed income, mutual funds, ETFs, and cash-equivalent instruments. There are no disclosed allocations to private equity, venture capital, real assets, or hedge funds. This aligns with the standard profile of a small local RIA serving mass-affluent and high-net-worth individual clients in a non-metropolitan market.

The firm is structured as a registered investment advisor open to multiple retail clients, not a single-family office. There is no evidence of family-office services such as consolidated reporting, direct private investing, trust administration, or family governance. It operates as a traditional for-profit advisory practice serving the Ashland community.

As a small registered investment advisor, the firm files Form ADV with the SEC or state regulator. Its most recent ADV Part 1 and Part 2B filings disclose the firm's fee schedule, any outside business activities of its advisors, and any disciplinary events. Investors can access these filings through the SEC's Investment Adviser Public Disclosure website.