Disclosures
1. About This Website
This website is provided for informational and educational purposes only and does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security, strategy, or advisory service in any jurisdiction where SG Wealth Managers, LLC ("SG Wealth Managers," "we," "us," "our") is not properly registered or exempt from registration.
Nothing on this site should be interpreted as personalized investment, legal, or tax advice. Advisory services are provided only to clients who have entered into a written Advisory Agreement with SG Wealth Managers.
2. Firm & Regulatory Status
| Registered Investment Adviser | SG Wealth Managers, LLC, a U.S. registered investment adviser (RIA) headquartered in Scottsdale, Arizona |
| Eligibility | We provide advisory services only where we are registered, notice-filed, or otherwise exempt from registration. We confirm eligibility before entering into any advisory relationship. |
| CRD# | 310597 |
| Form ADV & Form CRS | Our current Form ADV Part 2A and Form CRS are available here: Form ADV · Form CRS |
Fiduciary Duty: As a Registered Investment Adviser, we provide advice in a fiduciary capacity under applicable law. This means we are legally obligated to act in your best interest.
3. Custody, Clearing & Account Protection
Client accounts are custodied at Charles Schwab (Charles Schwab & Co., Inc.), Member SIPC.
SIPC Protection: SIPC protections apply only in the event of broker-dealer failure and do not protect against market loss. Learn more at sipc.org.
Independence Disclosure: SG Wealth Managers is independently owned and not affiliated with Charles Schwab. References to Schwab on this site are for identification of our unaffiliated custodian only.
4. Investment & Performance Disclosures
Investing involves risk, including the possible loss of principal. Past performance does not guarantee future results.
| Disclosure | Details |
|---|---|
| No Guarantees | Investing involves risk, including the possible loss of principal. |
| Past Performance | Past performance does not guarantee future results. |
| Strategy Limitations | Any references to strategies, allocations, or processes are illustrative and may not be appropriate for every client. Actual client results vary. |
| Benchmarks & Illustrations | Any benchmarks, models, or forward-looking statements are for context and may be based on assumptions that may not materialize. |
5. Fees & Expenses
Clients pay an advisory (AUM) fee pursuant to the Advisory Agreement. In addition, clients are responsible for:
- ETF Expense Ratios — The underlying costs of exchange-traded funds held in your portfolio
- Trading Frictions — Normal costs such as bid-ask spreads
No Mutual Funds: We do not use mutual funds in managed portfolios. This means you avoid sales loads and 12b-1 distribution fees that are common with mutual funds.
For complete fee information, see our Fees & What's Included page and our Form ADV Part 2A.
6. Conflicts of Interest & Compensation
Advisory Accounts
Our advisory professionals are salary-based for advisory work. We do not charge sales commissions on advisory accounts.
Insurance Affiliate
Insurance products (if implemented) are offered through SG Insurance & Estate Services LLC by individually licensed and appointed agents. If a policy is placed, the insurer may pay commissions to that entity/agent.
- We provide written disclosures for any insurance recommendations
- You are not required to purchase insurance to become or remain a client
Third-Party Professionals
If you engage an outside attorney or CPA, you pay them directly under a separate agreement. We coordinate planning efforts but do not receive any portion of their fees.
7. Legal & Tax Coordination (No Legal/Tax Advice)
Important: We provide general planning guidance and coordinate with your attorney and/or CPA at your request. We do not provide legal or tax advice.
- Legal Documents: Any legal documents (e.g., wills, trusts, powers of attorney) are drafted by an attorney you engage under a separate agreement
- Tax Filing & Opinions: Tax filing and opinions are provided by your CPA
8. Professional Designations & Trademarks
CFP® Certification
When used on this site, CFP® refers to the CERTIFIED FINANCIAL PLANNER™ certification held by the individual named (e.g., Matthew Saber, CFP®). The CFP® marks are owned by the Certified Financial Planner Board of Standards, Inc. and used with permission.
Third-Party Trademarks
Charles Schwab and related marks are trademarks of Charles Schwab & Co., Inc. Other third-party names and logos appearing on this site are the property of their respective owners and do not imply affiliation with or endorsement by SG Wealth Managers.
9. Contact Information
If you have questions about these disclosures or our services, please contact us:
SG Wealth Managers, LLC
7900 E Thompson Peak Pkwy, Suite 140
Scottsdale, AZ 85255
Phone: (480) 597-1743
Email: [email protected]