Philip J.. Sagan Financial Consulting, Inc.

The firm provides financial consulting and portfolio management to individual clients, with an emphasis on high‑net‑worth households, offering services that include tax planning, retirement planning, education planning, investment planning, and tailored portfolio construction. It reports a very small client roster and no assets under management on its ADV.

The firm’s process is individualized: it documents each client’s risk tolerance, financial condition, age and experience, and recommends portfolios typically composed of stocks, mutual funds and ETFs, with periodic reviews tied to the terms of engagement. It may accept limited discretionary authority for trading and directs clients to maintain custody with qualified custodians it recommends.

Distinctive features include an affiliation with a separate public accounting firm owned by the same principal, so some clients may receive both accounting and advisory services under separate engagements. Unlike most peers, the firm operates on a fee‑only basis without percentage‑of‑AUM billing and focuses its practice toward higher‑net‑worth clients rather than a broad mix of individual retail accounts.