Sagent Wealth Management is an SEC-registered investment adviser with its principal place
of business located in Laguna Beach, California. Sagent Wealth Management began
conducting business in 2008.
Listed below are the firm's principal owners;
Sagent Capital, LLC - 100%
Sagent Wealth Management offers the following advisory services to our clients as a part of
our overall Wealth Management Services. These Wealth Management Services include the
preparation of a comprehensive financial plan based on client’s individual needs, goals and
objectives as well as Individual Portfolio Management, Model Portfolio Management,
Independent Third Party Manager Advisory Services and Financial Planning as referenced
below.
Individual Portfolio Management
Our firm provides Individual Portfolio Management services to clients whereby we will
construct a portfolio of investments that is unique to each client.
These Individual Portfolios can be managed on either a discretionary or non-discretionary
basis.
The process for constructing these Individual Portfolio begins with a personal client interview
and a review of their available financial documentation. We then use this information to
determine the client’s Investment Experience, Investment Time Horizon, Income Needs,
Financial Objectives, Risk Attitude, Household Income, Assets, Liabilities, Age and Family
Composition.
During this process, clients may impose reasonable restrictions on the portfolio including
limitations on certain securities, types of securities, industry sectors, and asset allocation.
Based on this information, we recommend, create and manage Individual Portfolios that are
suitable for each client.
Our Individual Portfolios are not limited to any specific product offered by a broker-dealer,
insurance company or other vendor and will generally include, but are not necessarily limited
to, one or more of the following securities:
Exchange-listed stocks and funds
Corporate debt securities
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Certificates of deposit
Municipal securities
Mutual funds
United States governmental securities
Options contracts on securities
Alternative Investments, including but not limited to: managed futures funds,
hedge funds, and private equity funds.
Life Insurance and Annuity Sub Accounts
Investment alternatives offered in Defined Benefit Plans, Deferred Compensation
Plans, Health Savings accounts and other plan participant accounts.
Once a client's Individual Portfolio has been established, we review the portfolio periodically,
and, when necessary, make changes to the portfolio based on the client's needs and
circumstances as well as changes in economic conditions. We will also:
at least annually, contact each participating client to determine whether there have
been any changes that warrant a modification to the portfolio,
be reasonably available to consult with the client; and
maintain client suitability information in each client's file.
Model Portfolio Management
Our firm also provides Model Portfolio Management services to clients. Model portfolios are
generally invested in similar securities but have varying asset allocations to provide a range of
portfolios for clients to choose from, each with differing risk characteristics.
These Model Portfolios are only managed on a discretionary basis.
The process for selecting a suitable Model Portfolio for a client begins with a personal client
interview and a review of their available financial documentation. We then use this information
to determine the client’s Investment Experience, Investment Time Horizon, Income Needs,
Financial Objectives, Risk Attitude, Household Income, Assets, Liabilities, Age and Family
Composition.
Clients are limited in their ability to place restrictions on the Model Portfolios. Specifically, they
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are precluded from placing limitations on certain securities, types of securities, industry sectors
and asset allocation. Instead, clients choose from the available Model Portfolios, each with
different risk characteristics and we periodically adjust the investments and asset allocation of
the portfolio, based on current economic conditions in an effort to maintain its specific risk
characteristics.
Sagent Total Return Portfolios ($50,000 account minimum): a series of
portfolios, typically with similar securities but with varying asset allocations, designed
for a range of clients, based on the individual level of risk they are willing to accept.
The portfolios have as their primary goal; to minimize losses in weak markets,
maximize returns in strong markets and maximize returns for the client’s stated risk
tolerance. The portfolios are usually comprised of open-end
mutual funds and
exchange traded funds but can also include other securities, including but not limited
to:
Corporate debt securities
Certificates of deposit
Municipal securities
United States governmental securities
Options contracts on securities
Alternative Investments, including but not limited to: managed futures
funds, hedge funds, and private equity funds
Sagent Total Return Portfolios-Small (No Account Minimum): a series of
portfolios with identical risk and return goals as that of the Sagent Total Return
Portfolios, but constructed with a smaller number of securities in order to minimize
transactional costs (costs associated with buying and selling. The portfolios are
usually comprised of open-end mutual funds and exchange traded funds but can
also invest in other securities including but not limited to:
Corporate debt securities
Certificates of deposit
Municipal securities
United States governmental securities
Options contracts on securities
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Options contracts on commodities
Alternative Investments, including but not limited to: managed futures
funds, hedge funds, and private equity funds
Once a client's Model Portfolio has been selected, we periodically review client's needs and
circumstances to determine if it is still suitable. We will also:
at least annually, contact each participating client to determine whether there have
been any changes that warrant a change to a different Model Portfolio or Individual
Portfolio,
be reasonably available to consult with the client; and
maintain client suitability information in each client's file.
Independent Third Party Manager Advisory Services
Our firm provides Independent Third Party Manager advisory services whereby we will
recommend an Independent Third Party Manager who will buy and sell securities in a client’s
individual brokerage account, based on specific criteria that are agreed upon between the client
and the Independent Third Party Manager.
The Independent Third Party Manger will manage these client brokerage accounts
solely on a discretionary basis.
The process for recommending a suitable Independent Third Party Manager for a client
begins with a personal client interview and a review of their available financial documentation.
We then use this information to determine the client’s Investment Experience, Investment Time
Horizon, Income Needs, Financial Objectives, Risk Attitude, Household Income, Assets,
Liabilities, Age and Family Composition.
Based on this information, we recommend an Independent Third Party Manager that is
suitable for each client.
The Independent Third Party Manger can invest in a variety of securities including, but not
necessarily limited to, one or more of the following securities:
Exchange-listed stocks and funds
Corporate debt securities
Certificates of deposit
Municipal securities
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Mutual funds
United States governmental securities
Options contracts on securities
Alternative Investments, including but not limited to: managed futures funds,
hedge funds, and private equity funds.
Once an Independent Third Party Manager has been recommended, we will review the
Independent Third Party Manager periodically, and, when necessary, may change the
Independent Third Party Manager or move the funds to an Individual Portfolio or Model
Portfolio. We will also:
at least annually, contact each participating client to determine whether there have
been any changes that warrant a change,
be reasonably available to consult with the client; and
maintain client suitability information in each client's file.
Financial Planning (Financial Checkups)
Sagent Wealth Management provides Financial Planning (Financial Checkups) services
to prospects with investable assets of $250,000 or more. Financial Checkups are
provided to existing clients upon request as part of the advisory services offered by
Sagent Wealth Management as more fully described in the terms of clients’ Wealth
Management Agreements.
Components of Financial Checkups may include some or all of the following;
• Current net worth statement
• Asset allocation evaluation
• Income evaluation
• Expense evaluation
• Cash flow analysis
• Education funding analysis
• Insurance needs assessment
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Assets Under Management
As of February 2, 2023 Sagent Wealth Management managed the following assets;
Accounts Amount
Non-Discretionary 18 $ 4,062,180
Discretionary 223 $86.051,269
Total 251 $90,113,449
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