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Our Financial Planning Process: Built for Real Life

Every financial path is different. Our process is designed to adapt to your goals, provide clear direction, and grow with you over time.

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Collaborative Planning, Built Around You

At SageGuard Financial Group, we believe that thoughtful financial and retirement planning begins with understanding—and grows through consistent communication. That’s why our approach is centered on real conversations, practical strategies, and guidance that evolves with you.

Whether you’re preparing for retirement, adjusting to life changes, or planning for future generations, our step-by-step framework is designed to bring clarity to your financial life and confidence to your decision-making.

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Phase I: Discovery

We begin this stage during our initial meeting, where we get to know one another. We focus on your specific needs and what you want your investment capital to do for you.

Phase II: Strategy

The primary objective of this stage is to develop an effective, long-term investment strategy custom-tailored to each client’s unique needs. We then develop a comprehensive plan that outlines the strategy we recommend for long-term success.

Phase III: Implementation

The primary objective of this phase is to implement your investment strategy successfully. By means of constant communication and a highly skilled staff, we strive to make this process quick and easy for you.

Phase IV: Monitoring & Adjusting

We monitor our clients’ accounts regularly to ensure they are still performing in a way that meets their intentions. When we discover that a client’s circumstances have changed or that shifting global markets require a different investing approach, we quickly adjust.

Let’s Explore What’s Possible

If you’re thinking about your next financial planning step, we’re here to listen, offer perspective, and help you decide what’s right for you. Let’s take the time to talk it through together.

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What Our Clients Say

"DJ faithfully took care of my mom and her accounts for years. When she passed, DJ, his amazing daughter, and Wendy made transition so seamless and have delivered exceptional performance with personal support since that time. We would recommend them to anyone."
— AL
"When we began searching for a new financial advisor, it was important for us to work with someone who would objectively review our funds and long-term goals. We wanted someone who was invested in us and willing to develop a trusting relationship. We seriously looked at SageGuard , DJ Johnson, because of his positive reputation and the comments we received from other existing clients. He is genuinely interested in focusing on the needs of his clients and building a strong long -term relationship with them. We felt all these things from our first meeting with him. We felt very secure about his honesty and integrity."
— DSM
"I’ve been using SageGuard Financial Group for over a year, and their commitment to their customers is impeccable. Their expert guidance streamlined my finances, saving me time and stress. I can’t recommend their services enough! The best part about my experience with SageGuard is that they always go above and beyond to make sure my needs were met. They were very responsive to any questions I had with my portfolio. I would recommend SageGuard to anyone looking for a reliable financial institution."
— KML
"Working with SageGuard has been one of the best decisions I've ever made. From day one, they have been professional, knowledgeable, and genuinely invested in helping me reach my professional goals. What sets SageGuard apart is not just their deep expertise in financial planning and investment strategy, but also how well they listen and tailor their advice to fit my unique situation. I feel comfortable in my financial future because of SageGuard!"
— EP

This testimonial reflects the personal opinion of a current client of SageGuard Financial Group. Past performance is not indicative of future results. The results experienced by this client may vary for other clients depending on their financial situation and investment strategy. SageGuard Financial Group does not guarantee any specific financial outcomes or results. The testimonial is provided voluntarily by the client and has been authorized for use.

Serving Individuals, Families, and Futures

At SageGuard Financial Group, we work with individuals, couples, and families navigating a wide range of retirement and financial planning decisions. Whether you’re preparing for retirement, managing life after a loss, or helping loved ones plan for the future, we offer insight and support grounded in trust and communication.

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  • Pre-retirees and retirees planning for income, healthcare, and lifestyle needs
  • Widows and widowers adjusting to new financial realities and responsibilities
  • Adult children and beneficiaries navigating inheritance or family transitions
  • Next-generation clients building a foundation for future growth
  • Multi-generational families looking for clarity and coordination across generations

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