Retirement Planning

SageView provides retirement planning for sponsors throughout the United States. We have been partnering with plan sponsors since 1989 and currently work with more than 850 clients around the country. SageView advises on 401(k), 403(b), 457, defined benefit and deferred compensation plans.

SageView advises on over 1200 defined contribution, defined benefit and deferred compensation plans totaling more than $70 billion of client assets. Our retirement plan consultants each have extensive experience in the financial industry and have worked with some of the largest plans in the nation.

Contact us at your convenience to discuss in more detail the value proposition for your retirement plan and investment needs on 800-814-8742 or

Sageview Accolades

  • Ranked Number One Wealth Management Firm by Forbes in 2013
  • Ranked Top 5 firms in the country by PLANSPONSOR and PLANADVISER
  • CEFEX Certified (Center for Fiduciary Excellence)
  • DALBAR ERISA 3(38) Certified                                              


Listing in this publication is not a guarantee of future Investment success. This recognition should not be construed as an endorsement of the advisor by any client.

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Why Choose SageView For Your Retirement Planning? 

Very often we are asked what makes SageView unique from its competitors or how our services can better address the needs of our clients. To put it simply, we offer a complete suite of retirement advisory services with three adds you won’t find elsewhere. 

  1. Our proven proprietary processes. 
  2. Our insights. 
  3. Our commitment to translating the mysteries of retirement advisory into plain English you can understand and use. 

Dedicated Retirement Plan Consultants 

Sageview has 130 employees located in 22 offices nationwide. The firm provides unbiased retirement plan and wealth management consulting services to clients throughout the U.S.

Contact us at your convenience to discuss in more detail the value proposition for your retirement plan and investment needs on 800-814-8742 or

Alarming Retirement Statistics

  • Many workers report they have virtually no savings and investments. In total, 60% of workers report that the total value of their household savings and investments, excluding the value of their primary home or any defined benefit plans, is less than $25,000. 
  • Two-thirds (66 percent) of workers report they and/or spouses have saved for retirement, a continuing decline from the 75 measured in 2009.
  • In 1991, 11% of workers said they expected to retire after age 65, but by 2012, that has now grown to 37%.

The 3 Biggest Retirement Planning Myths

There are 3 common reasons you may be unsure about saving for retirement and reasons why you should actually save for retirement. 


1. “I have plenty of time before I retire.”

Actually, the longer the money is invested, the greater the potential impact on your savings. See the potential that ten additional years may have on your retirement.

2. “I don't have enough money right now.”

Even if you can only afford a little each month, the key is to start now. Small sacrifices, like movie night at home or eating out less, free up money to invest.

3. “I have already saved enough.”

If you're saving on your own, congratulations. Just make sure it's enough. Depending on your age and when you retire, you may need more than you think. Also, consider the impact of inflation: Today’s $100 will only equal $74 in ten years with just 3% inflation. 

From our experience, there is no such thing of saving too much money for retirement.

Contact us at your convenience to discuss in more detail the value proposition for your retirement plan and investment needs on 800-814-8742 or

Are You Saving Enough in Your Employer's Retirement Plan?

If you are already contributing to your employer's retirement plan, you've made a smart choice and may be well on your way to a comfortable future. 

However, most people who are saving for retirement aren't sure if they're saving enough. 

How Much To Save For Retirement?

To figure out if you're saving enough, first you need to know how much you'll actually need. 

Experts say you'll need about 80% of your current income each year to maintain a similar standard of living. In other words, how much should you actually save? The short answer is as much as you can.

If you have 10 or more years before retirement, using the 80% rule of thumb is probably appropriate. However, if you are within five to seven years of retirement, you will want to develop a more specific plan for your retirement. 


Monthly Income in Retirement

As life expectancy continues to rise, outliving your retirement savings is a risk to consider. 

When Social Security was first introduced, the average life expectancy of someone who reached age 65 was roughly three more years. Today, it is nearly 19 more years, this means longer retirement. 

You want to make sure you're saving enough money so you don't outlive your money. 


Contact us at your convenience to discuss in more detail the value proposition for your retirement plan and investment needs on 800-814-8742 or

Changing Your Savings Plan Can Impact Your Retirement

Let's say you've been saving $200 a month in your retirement account and have today $50,000. 

See what could happen to your savings in 25 years if you change your monthly savings amount. 

There are some significant changes here that could definitely impact your future.


When to Start Your Retirement Planning

It really does pay to start contributing early. 

Let's take a look at two employees: Employee A and Employee B. 

Employee A starts now in contributing $150 a month for the next 40 years, but Employee B actually waits 10 years, then tries to catch up by contributing $200 a month for 30 years. 

At the end of the journey, why does Employee A have more money in their retirement plan? Simply because Employee A got started much earlier than Employee B. 

Remember, it definitely pays off to start early.


Contact us at your convenience to discuss in more detail the value proposition for your retirement plan and investment needs on 800-814-8742 or

How Does Retirement Impact on Your Paycheck?

Let's take a look at the impact of your paycheck. 

Taking a look again at Employee A, Employee B, Employee A who decides not to join their retirement plan, with a gross income of about $1,000 every two weeks, nothing into their 401(k), basically will have 25% tax bracket, therefore owing about $250 in taxes with a net pay of 750. 

Now, let's take a look at Employee B. They did decide to enrol in their retirement plan. They decided to contribute 6%. Ultimately now, their adjusted gross income has been impact and has been reduced at $940. Ultimately their net pay now is 705, so contributing $60 only decreases Employee B's check by $45.


Contact us at your convenience to discuss in more detail the value proposition for your retirement plan and investment needs on 800-814-8742 or

Save for Retirement Or Your Child’s College?

As parents, kids come first for most of us. We constantly think about their health, their happiness, their education, etc. When it comes to financial priorities, we often feel compelled to put their needs above our own. So should you save for retirement or college first? That's a very good question. 

According to a recent survey by Sallie Mae, people are funding the golden years before saving for college. The survey found that 55% of parents with kids under the age of 18 are saving for retirement, compared with 51% who are saving for their child's college. Even though those numbers are pretty close, the survey shows that parents are putting significantly more money into retirement than college. For an average family, 53% of their savings are for retirement, and just 10% are set aside for college.

Four Reasons Why You Should Save For Retirement Over Your Child’s College

1. You can't play catch up if you wait too long. 

For many parents, especially those who haven’t saved much, there may be fewer options for financially stability. There’s Social Security, Medicare and whatever has been saved. Therefore, save for yourself first. If you support your child through college, but don’t have anything left for yourself in retirement, you will become a burden to them later in life.

2. You can borrow for college, but not for retirement. 

Kids going into college have opportunities for scholarships, grants and loans. They also can choose between state and private schools. Plus, they have many years of income-earning potential ahead of them to pay off any debt.

3. There's a bigger return on retirement savings. 

The upfront tax savings contributing to a 401(k) or similar retirement plan, not to mention any employer matching contribution, means you could end up with more than you invested. You can invest in a 529 college savings plan, but there is no employer matching.

4. Financial flexibility if the nest egg is big.

The law allows you to use your traditional or Roth IRA for higher education without being hit with the 10 percent penalty. Also, you may want to be able to use money from your 401(k) to help with the funding. However, when you take money out of this type of plan, you have to pay it back as it is a loan.

Contact us at your convenience to discuss in more detail the value proposition for your retirement plan and investment needs on 800-814-8742 or

What does a successful retirement mean?

To Sageview, it means being able to retire at age 65, which is the benchmark. Given that people today live on average 25 to 30 years in retirement, being able to retire and never worrying about outliving your assets. That's what a successful retirement really should be.  


There are some of us that are fortunate enough and have a pretty diversified financial picture. Looking at this image, you will notice besides the investment income that comes from personal investments and 401(k)s, IRA's and other retirement plans alike. Other income comes from annuities. Some of us are fortunate enough to have employers that offer pensions, and Social Security that could be meaningful enough to subsidise a good chunk of the income loss that will be borne by you not working in retirement. 

The reality, however, is that most of us don't have other income sources, and we have to rely on our personal savings and retirement plans. Today, somebody aged 65 who will live in retirement, as I mentioned, 25 to 30 years, has to have enough money to comfortably live. That's what we mentioned earlier, is our definition of a successful retirement. The reality, however, is an average participant today retiring at age 65, has only $50,000 dollars saved up. That's really the biggest issue that we as our own individual investors have to deal with. 

Potential Goals and Time 


An actionable item on this slide deals with goal setting, and many of us know what that means. Unfortunately many of us don't get to our goals, because we don't have the proper plan in place to get there. I'm talking about really setting not just long term goals, for instance paying off your debt or buying a house or saving X amount to retire with, but it's setting short term goals and mid term goals to get you to ultimately get to that big goal. 

For instance, if we're talking about getting to save additional money, it begins with first of all starting the plan out. If you're not contributing your short term goal could be to start today and not wait. Your mid term goal could be, maybe in a year you review your situation and see if you can put an additional percent or two, or three.  In addition to that, it could be "Well how do you get to 10% or 12%?" 

I encourage you to take a look at where your goals are and put together buffers, which should be your short and mid term goals, which will help you to get to those ultimate big goals. 

Achieving Long-Term Financial Wellness


I wanted to add a little bit more color from the previous slide and the first one deals with creating a budget. Creating a budget deals with your ability to understand what you're spending money on, which really is the first step to figuring out if you can save more money, or if you should contributing today, or if you should start paying off your debt before you actually fund your retirement. Plan for unexpected events. For instance having a rainy day fund is a good financial decision. You should consider building some assets in a money market or cash account to plan for those unexpected events. Live within your means is pretty self explanatory. Consider long terms savings, sources of income. 

We talked a little bit about being able to max your plan out, or take advantage of IRA's if you're saving well at the maximum level on the retirement plan. Consider things like insurance or medical expenses that are a little bit unforeseen today. 

So planning for those items can nudge you into a better position so that in the event that you have to rely on your income of the money you've saved, for whatever reason, you have enough. Last one deals with consolidating your accounts. Make your financial picture easy to understand. If there are accounts that you have that really shouldn't be there, talk to somebody. Talk to your financial professional or a Sage View professional that can help you review those accounts and make some decisions about consolidating accounts and making your financial picture really easy to understand and review.

Your Life Stages


When you peel the onion to look at what has somebody done to get to retire successfully, you would get each individual life stage, based on age, of course. 

You see that there is things that person needs to think about and act upon, and I think this slide does a great job in giving investors an idea of progress, perhaps, in some element of their financial wellness, or some things that they need to to really take a little bit more concentrated effort on in either funding their 401(k) or increasing their contributions, if you're, for example in the 40s or 50s. Or planning for that pre-retirement planning, for five, 10 years before retirement, that first bullet point. 

To ultimately being actually retired and knowing exactly how to access your money and where and what accounts to tap into. Again, use this image as a rule of thumb and also as a guideline for your ultimate retirement success.

Are You Living Within Your Means?


In a 2000 survey conducted by the National Institute of Retirement Security, it was determined that over 127 million Americans are living well beyond their means. 38 million of those working age households have no retirement savings whatsoever. $12,000 is the median savings for people that are around 10 years or so away from retirement, and 0 is how much a third of people between age 55 and 64 have in their savings. 

When we're talking about living beyond your means, we're talking about folks, perhaps, that are living paycheck to paycheck, those that have not really thought about building that rainy day fund for certain emergencies, or perhaps those that have not started saving on their retirement plans. 

Don't be the statistic. Take some of these actionable items from here to impact your retirement in a positive way so that you can really get to that successful retirement.

Plan Now For A Debt-Free Retirement

Planning for a debt-free retirement begins with getting out of debt and paying off your credit cards or any debt that you have as quickly as possible. I wanted to leave you a couple of actionable items that can hopefully help you and get you out of debt quicker. 

The first thing is don't assume that your credit card lender and your credit card companies are offering you the best rate. To do that, you want to shop around. Take a look at what the market offers and approach your credit card company and see if they would be willing to decrease your rate. 

Consolidated credit cards is also a good way to give you a peace of mind of having one account, one statement, and in many cases they could lower interest rates when you consolidate. If you have multiple credit cards, another actionable item is pay off your high credit cards interest first and then tackle the lower ones. These are just a couple of actionable items that you can apply to your debt to hopefully get you out of debt quicker.

Steps for Using Credit Cards Wisely


A good rule of thumb to use in managing your debt is making sure that your debt never really exceeds over 20% of your income. When you take into consideration any student loans, credit cards that you have, perhaps a mortgage payment or car loans, they should never exceed 20% of your income. I wanted to provide a few easy steps in being able to manage your credit card safely and efficiently. If you are above that threshold of 20%, I encourage you to set yourself a goal, to get you below that threshold.

Check your credit card reports regularly, manage credit well, reach out to credit card companies, and look at the market to see if there are better rates and if your credit card company would perhaps entertain in lowering your rate. Read your policy agreements. Credit card companies do change agreements pretty regularly. They do notify you, but it's still a good idea, good practise to read your statements. Of course, pay off balances strategically and we talked a little bit about this earlier. If you have a higher interest on one of the credit cards, a good idea is to pay that off first, and then tackle the lower credit interest after that.

Rethink Your Spending Habits


Rethinking your spending habits is a great way to find extra cash that can help you get out of debt sooner, pay off some of those credit cards, or perhaps fund your retirement. To do that, you want to think about some of the ways you spend money today. We're using two examples. Cup of coffee, on average, costs around $4, which would yield about $3 in savings if you were to actually brew at home.

The interesting amount here that you see in the grey, if we were actually to take that savings, whether it's for a cup of coffee example or fast food, and apply 6% rate of return for the next 30 years, that savings can really grow to a much larger sum of money. Rethink some of the way you spend money on today and find ways to cut costs.

Funding a Retirement Plan


If you're maxing out your retirement plan or getting close, one of the ways to save some additional assets is to open up a traditional IRA or Roth IRA. For additional information about both of these types of accounts, talk to your retail financial professional. For a refresher on your retirement plans through your employer, the traditional source works in the following way: the money gets contributed on a pre-tax basis, it grows tax deferred, and you pay taxes at a later time, typically  in retirement. 

The Roth is completely the opposite. You get taxed upfront and your account grows tax free, including the earnings. You can contribute into one, the other source, or a combination of two. However, your total amount that you can contribute, your maximum allowable contribution called the 402(g) limit is $17,500 in 2014, and if you happen to be age 50 or over, you have a catch up contribution that the government allows you, which is an extra $6500.

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