What does SageSpring Wealth Partners do?
SageSpring Wealth Partners is an SEC-registered investment adviser based in Franklin, Tennessee.
The firm has provided investment advisory services since 2016, and it reports $6.49 billion in discretionary assets under management (AUM) as of December 31, 2024.
It serves individuals, retirement plans, trusts, estates, charitable organizations, corporations, banks, and other business entities.
SageSpring offers advisor-led investment management and comprehensive planning, which may include asset management alongside financial planning or consulting.
Clients work with an advisor who discusses goals, risk tolerance, current finances, and available resources, then designs and manages a portfolio.
Portfolios may include stocks, bonds, ETFs, mutual funds, options, alternative investments, and other public or private securities, with continuous monitoring and rebalancing as needed.
Core services
- Investment management: Ongoing discretionary portfolio management
- Financial planning and consulting: Broad or topic-specific advice covering areas such as retirement, estate planning, cash flow, tax-Integrated Planning, risk management, insurance planning, charitable giving, college planning, and manager due diligence.
In addition to these core services, SageSpring also offers retirement plan consulting, third-party manager selection, held-away account management through Pontera, and certain insurance-related advisory arrangements.
Investment philosophy
In terms of investment approach, the firm tailors recommendations to each client’s objectives, risk tolerance, time horizon, liquidity needs, and other suitability factors.
It lists fundamental analysis, technical and charting analysis, long-term purchases, occasional short-term trading, and options writing among the strategies it may use.
What are the pros and cons of SageSpring Wealth Partners?
SageSpring’s main strengths are its broad advisor-led service model and its flexibility in building and managing portfolios.
Here’s a summary of the key advantages and disadvantages to decide if this firm is right for you and your needs.
Pros of SageSpring Wealth Partners:
- Personalized discretionary management: SageSpring provides individualized portfolio management based on each client’s goals, risk tolerance, financial situation, and other suitability factors.
- Broad planning scope: The firm’s planning and consulting work covers a wide range of financial topics, including retirement, estate, insurance, charitable giving, education planning, and cash flow matters.
- Flexible investment toolkit: It may use individual stocks, bonds, ETFs, mutual funds, options, alternative investments, and other public or private investments, which gives it a wide range of portfolio-building tools.
- Access to outside managers and held-away accounts: SageSpring can recommend third-party money managers and manage certain held-away accounts, such as 401(k)s and HSAs, through Pontera.
Cons of SageSpring Wealth Partners:
- Fees are not especially transparent at the service level: Investment management fees are negotiated, with a disclosed maximum annual fee of 2.25%, so the actual price depends on the client agreement.
- Total costs can add up in some arrangements: Clients using Dynasty programs may pay separate platform and independent manager fees in addition to SageSpring’s management fee.
- No simple self-service model: Advisor-led, ongoing relationship rather than a digital-first or self-directed investing service.
- Some strategies add complexity and risk: Options writing and alternative investments may be used in some cases, and both come with higher complexity, volatility, or liquidity risk.
SageSpring Wealth Partners fees: How much does SageSpring Wealth Partners cost?
SageSpring uses several fee structures depending on the service.
Here is a breakdown of some of the costs associated with SageSpring Wealth Partners.
- Investment management: Up to 2.25% annually, billed quarterly in advance. Actual fees are negotiable and set in the advisory agreement.
- Financial planning and consulting: Hourly fees up to $500, or flat fees ranging from $1,500 to $50,000.
- Retirement plan consulting: Flat fees from $750 to $100,000, or asset-based fees up to 1.00%.
- Dynasty platform fees: Generally, 0.00% to 0.30% annually, depending on the program, plus minimum fees in some cases.
- Independent manager fees: Generally, 0.00% to 0.90% for fixed income managers and 0.00% to 1.50% for equity managers.
Clients may also face fund expenses, transaction charges, custody-related costs, and, where applicable, margin interest.
Additionally, some products, such as mutual funds and variable annuities, can impose additional internal fees.
What is SageSpring Wealth Partners’s minimum account size?
SageSpring does not set a disclosed standard account minimum, which lowers the entry barrier compared with firms that require a fixed starting balance.
However, it also says it reserves the right to terminate an account if it becomes too small to manage effectively, so access may still depend on the firm’s judgment in practice.
Who should choose SageSpring Wealth Partners?
SageSpring is well-suited to investors who want an ongoing, advisor-led wealth management relationship that combines portfolio management with broader financial planning.
SageSpring Wealth Partners works well for:
- Investors who want ongoing portfolio management: SageSpring manages accounts on a discretionary basis, so it is a better fit for clients who want an advisor to make and monitor investment decisions for them.
- Clients with broader planning needs: The service can combine investing with retirement, estate, insurance, cash flow, and charitable planning.
- Clients who want a more customized approach: Its advice is individualized, can reflect client restrictions, and may use different portfolio construction methods and investment types depending on the client’s objectives and circumstances.
- Households that want multiple accounts coordinated: Held-away account management and third-party manager access may be useful for more complex financial setups.
Who might not benefit as much:
- Investors looking for the lowest-cost, simplest option: The firm’s pricing is negotiated, and some arrangements may include additional platform or outside manager fees, so this is not the clearest fit for someone primarily focused on fee simplicity.
- Self-directed investors: The disclosed service is built around an ongoing advisory relationship rather than a DIY investing experience.
- Investors with very simple needs: Someone who only wants a basic portfolio and does not need planning, retirement consulting, or broader advice may not need the full-service model SageSpring describes.
- Investors uncomfortable with more complex strategies or structures: The firm may, in some cases, use options, alternative investments, third-party managers, and platform-based programs, which may not appeal to clients who prefer a very straightforward setup.
SageSpring Wealth Partners: Is it secure?
Yes, SageSpring is generally considered safe.
The firm is SEC-registered, qualified custodians hold client assets, and clients receive account statements directly from the custodian at least quarterly.
The firm also describes safeguards for third-party money movement, including written client authorization, custodian verification, transfer notices, and the client’s ability to change or terminate instructions.
SageSpring also offers practical account security measures and encourages clients to take steps such as monitoring their accounts and using stronger login protections.
SageSpring Wealth Partners: Customer service
SageSpring uses an advisor-led service model rather than a self-service support structure. Clients receive ongoing advice, portfolio oversight, and strategy discussions as part of the advisory relationship, and account reviews are conducted at least annually.
Support channels include phone contact, a website contact form, and client login access.
The firm also notes that advisors are located across the country and lets users indicate a preferred advisor when reaching out.
SageSpring Wealth Partners: Mobile app
SageSpring has an official mobile app, SSWP Client Access.
This is a client portal-style advisory app, not a self-directed trading app. Its functions are straightforward: users can
- View their financial picture
- Access portfolio information
- Download performance reports
- Connect with their advisor
Is SageSpring Wealth Partners worth it?
SageSpring Wealth Partners offers a broad, advisor-led wealth management service built around discretionary portfolio management and financial planning.
Its main strengths are customization, planning depth, and flexibility across account types.
The main trade-offs are a pricing structure that is not particularly simple and a service model better suited to ongoing advisory relationships than to low-cost self-direction.
It looks most relevant for clients who want a long-term advisor relationship and broader planning support, not just basic portfolio access.
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