At SagePoint Financial, Inc. – La Mesa, we are committed to putting our clients first. Put our 45 years of combined financial planning and investment experience to work for you.

  
Our reputation is one of integrity, honesty, exceeding client expectations and in-depth market knowledge. We develop long-term relationships with our clients to ensure that their financial planning needs are met through a consistent, rigorous and disciplined investment process. We are independent financial advisors and this provides us with the freedom to select the best investments and services that address our client’s needs. Our alliance is to our clients - exclusively.
 
We specialize in forward-looking, dynamic and diversified portfolios matched to current market conditions and client risk tolerances and needs as they relate to the various stages of life.
 
We believe that financial advice should be transparent. We work diligently to ensure out clients understand their financial plan, investments and the fees charged.
 
We pledge to always provide:
 
  • Exceptional service; we always provide the service we would want for ourselves
  • Full fee disclosure; there will never be any hidden fees.
  • Fiduciary responsibility; We are legally bound to always put our clients interests first.
  • The highest standards of ethics and integrity in all of our interactions.
  • An open door policy; Our doors will always be open to our clients and we will always be personally available by phone.
  • Well-thought-out, reasoned and accurate financial advice
 
 
 
 
Integrity  ♦  Honesty  ♦  Ethics  ♦  Discipline  ♦  Objectivity  ♦  Respect

       

 
Calculators

LTCI Cost of Waiting

Estimate the potential cost of waiting to purchase a long-term care insurance policy.

Lease Payment

How much would your monthly lease payment be?

Loan Payoff

How much will it cost to pay off a loan over its lifetime?

Impact of Inflation

Estimate the future cost of an item based on today’s prices and the rate of inflation you expect.

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Newsletters

The Dynamics That Can Drive Inflation

High unemployment and slow wage growth seem to have kept consumer spending and core inflation from growing very rapidly in the first half of 2011. This article reminds investors to keep the potential risk of inflation in mind, because even modest price increases compounded over time can erode the purchasing power of the assets in their portfolios.

Growth, Value, or Both

The average annual return for large-cap value stocks was about 2.1% higher than for large-cap growth stocks, yet growth stocks outperformed value stocks in 13 out of 30 years. This article examines the difference between the two approaches and describes why holding both may help investors take advantage of a variety of market conditions.

Tax-Efficient Investments for the Tax-Averse

Raising taxes is one of many ideas that have been proposed to help reduce mounting federal budget deficits. Readers who are concerned about the prospect of higher taxes in the future may want to consider the tax advantages associated with municipal bonds and tax-exempt mutual funds.

Using Living Benefits for Retirement Income

Many Americans are finding it difficult to predict how much they can save by retirement. Because traditional pensions are available to just one out of three workers today, a potential way of creating a guaranteed income stream in retirement is to purchase the guaranteed living benefits that are available with some variable annuities.

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