CAPTRUST vs SageView Advisory Group: which is right for you?
CAPTRUST and SageView Advisory Group both offer advisor-led investment advice, but they serve different needs.
Feature | CAPTRUST | SageView Advisory Group |
|---|---|---|
Service type | Advisor-led wealth planning and wrap-fee programs | Retirement-focused advisory service and related planning support |
Fees | Tiered wealth advisory schedule, wrap fees, SMA manager fees, and third-party costs may also apply | Asset-based investment management fees, retirement plan fees, and fixed fees |
Minimum account size | No disclosed minimum for PMA | Minimum for investment Management not disclosed |
Best for | Investors seeking a full-service advisor relationship with planning and ancillary services | Retirement plan sponsors and plan participants |
CAPTRUST vs SageView Advisory Group: Key services
CAPTRUST:
- Advisor-led portfolio management, available on a discretionary or non-discretionary basis
- Wrap fee programs (portfolio management accounts (PMA) and wrap advisory services) and separately managed account programs
- Financial planning, including goal setting, estate planning, tax planning, and charitable planning
- Tax-related services, including tax consulting, tax return preparation, and bill pay and bookkeeping
- Access to alternative investments, including private placements and private equity funds
- Institutional advisory and retirement plan consulting
SageView Advisory Group:
- Discretionary investment management and non-discretionary investment advice
- Financial planning support
- Retirement plan advisory services
- Participant managed accounts
CAPTRUST vs SageView Advisory Group: Fees
Here is a breakdown of the fee structures of both firms.
CAPTRUST annual advisory fee:
Assets | CAPTRUST annual advisory fee |
|---|---|
First $1 million | 1.25% |
Next $1 million | 1.00% |
Next $3 million | 0.85% |
Assets over $5 million | 0.70% |
Assets above $10 million | Negotiable |
- Wrap fee: Available; maximum rates up to 2.25%, 1.75%, and 1.25% by tier.
- Planning fees: Fixed-fee services generally range from $10,000 to $250,000 annually; hourly ancillary fees are negotiated.
- Other costs: Fund expenses, custodian charges, SMA manager/platform fees, and transaction-related costs may apply.
SageView’s fees:
Service | SageView fee |
|---|---|
Investment Management | 0.55%–1.50% of AUM; maximum 2.00%; fixed fee up to $200,000 |
Retirement Plan Consulting | Up to 1.00% of AUM; fixed fee $1,000–$500,000 |
Retirement Plan Asset Management | Up to 2.00% of AUM; fixed fee $2,000–$50,000 |
Personalized Portfolios | 0.01%–0.15% of participant assets |
PersonalSAGE | $5,000–$500,000 flat fee |
CAPTRUST vs SageView Advisory Group: Minimum account sizes
CAPTRUST does not disclose a minimum account size for its standard PMA. The SMA wrap program generally requires at least $100,000, but the exact minimum varies by SMA manager. Advisory fees, minimum account sizes, and services are negotiable.
SageView does not disclose a formal minimum account size for investment management. Its retirement-plan services are priced based on plan scope, assets, and agreement terms rather than a simple household-account minimum.
CAPTRUST vs SageView Advisory Group: Pros and cons
CAPTRUST offers wealth management and portfolio flexibility, but comes with more potential layers of fees. At the same time, SageView Advisory Group is focused on retirement plan services but has limited access to individual wealth and less transparent minimums.
Pros of CAPTRUST:
- Broader planning scope
- Flexible account structure
- Lower disclosed non-wrap rates at higher balances
Cons of CAPTRUST:
- Fee structure can be harder to compare
- Wrap fees may be high
- Variable advisor involvement
Pros of SageView Advisory Group:
- Retirement-plan focus
- Participant support
- Advisor-led planning support
- Flexible advisory structure includes discretionary management or non-discretionary advice
Cons of SageView Advisory Group:
- Individual wealth services are limited
- Less transparent minimum
- Variable and layered costs
CAPTRUST vs SageView Advisory Group: Technology and security
Category | CAPTRUST | SageView Advisory Group |
|---|---|---|
Digital access | Client portal for quarterly performance reports | SageView Invest |
Reporting | Quarterly performance reports and custodian statements | account reviews at least annually and quarterly performance reports for Investment Management clients |
Client communication | Financial advisor or client management consultant | Services are delivered through Advisory Representatives; PersonalSAGE participants can schedule one-on-one meetings with financial coaches |
Asset custody | CAPTRUST uses an independent advisory model with assets held at custodians | Plan assets are held by the custodian selected by the plan sponsor |
Security disclosure | Physical, technical, and procedural safeguards, including encryption, firewalls, intrusion detection, access controls, and third-party provider limits | Discloses restricted data access, physical/electronic/procedural safeguards, and an Identity Theft Protection Program |
Final verdict: CAPTRUST vs SageView Advisory Group
CAPTRUST is designed for investors seeking a customized, advisor-led wealth-management relationship with flexible portfolio design, planning support, and negotiable fees.
SageView is designed around retirement plan sponsors and participants who need plan consulting, discretionary plan asset management, managed account programs, and financial wellness support.
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