Sage Advisors offers a variety of advisory services, which include investment management services. Prior to Sage Advisors rendering any of the foregoing advisory services, clients are required to enter into one or more written agreements with Sage Advisors setting forth the relevant terms and conditions of the advisory relationship (the “Advisory Agreement”). Sage Advisors has been registered as an investment adviser since May 2021 and is owned by John Surenkamp. As of December 2023, Sage Advisors had $ 147,676,822.00 assets under management, all of which was managed on a discretionary basis. While this brochure generally describes the business of Sage Advisors, certain sections also discuss the activities of its Supervised Persons, which refer to the Firm’s officers, partners, directors (or other persons occupying a similar status or performing similar functions), employees or other persons who provide investment advice on Sage Advisors’s behalf and are subject to the Firm’s supervision or control. Investment and Wealth Management Services Sage Advisors manages client investment portfolios on a discretionary basis. Sage Advisors primarily allocates client assets among various mutual funds, fixed income securities, real estate funds (including exchange listed REITs), equities, ETFs and non-U.S. securities. Where appropriate, the Firm also provides advice about any type of legacy position or other investment held in client portfolios, but clients should not assume that these assets are being continuously monitored or otherwise advised on by the Firm unless specifically agreed upon. Clients can engage Sage Advisors to manage and/or advise on certain investment products that are not maintained at their primary custodian, such as variable life insurance and annuity contracts and assets held in employer sponsored retirement plans and qualified tuition plans (i.e., 529 plans). In these situations, Sage Advisors directs or recommends the allocation of

client assets among the various investment options available with the product. These assets are generally maintained at the underwriting insurance company or the custodian designated by the product’s provider. Sage Advisors offers ongoing portfolio management services based on the individual goals, objectives, time horizon, and risk tolerance of each client. Sage Advisors creates an Investment Policy Statement for each client, which outlines the client’s current situation (income, tax levels, and risk tolerance levels) and then constructs a plan to aid in the selection of a portfolio that matches each client's specific situation. Portfolio management services include, but are not limited to, the following:
• Investment strategy
• Asset allocation
• Assessment of risk tolerance
• Personal investment policy
• Asset selection
• Regular portfolio monitoring Sage Advisors evaluates the current investments of each client with respect to their risk tolerance levels and time horizon. Sage Advisors will request and require discretionary authority from clients in order to select securities and execute transactions without permission from the client prior to each transaction. Risk tolerance levels are documented in the Investment Policy Statement, which is given to each client. Clients may impose restrictions in investing in certain securities or types of securities in accordance with their values or beliefs. These restrictions will be noted in the investment policy statement. However, if the restrictions prevent Sage Advisors from properly servicing the client account, or if the restrictions would require Sage Advisors to deviate from its standard suite of services, Sage Advisors reserves the right to end the relationship. Financial Planning Services Financial plans and financial planning may include but are not limited to investment planning & tax concerns & retirement planning & education planning & Estate Planning.