Stephen Ng Financial Group™ works exclusively with pre-retirees and retirees to help grow and preserve their wealth, both at an individual and institutional level. At the institutional level, we specialize in 401(K) and 403(b) strategies for small to mid-sized companies, including retirement plan design, administration and oversight. We offers fee-based* account management through SagePoint Financial, Inc. Portfolios are managed on a fee basis so we have less motivation to make unnecessary trades in your account. We are not stockbrokers. We are Investment Advisor Representatives, providing a methodical method of managing investment portfolios.

 

How is Stephen Ng Financial Group™ different than your current Brokerage Firm?

Have you ever felt that your commission-based stock broker was calling to get you to buy or sell a stock mainly to make a commission? Worse, have you ever seen transactions on your statement that you did not authorize?

 

Who does Stephen Ng Financial Group™ transact business through?

All securities accounts are offered through SagePoint Financial, Inc. SagePoint Financial, Inc., is also a member of SIPC (Securities Investor Protection Corporation) and is a FINRA member firm.

Your check is always made payable to an investment firm, or in the case of insurance, an insurance company. You will never make a check payable to Stephen Ng Financial Group™. We never take custody of your funds and your funds are never co-mingled with ours.

 

What Can We Offer That Other Investment Advisors Do Not?

We specialize in dealing with pre-retirees and retirees. We do not pretend to know everything. For example, most people think that there is no escape from taxes on IRA withdrawals. Many people think that a living trust removes estate taxes. Many people do not realize that there are 2 assets that are double taxed at death; and the sale of real estate is always a taxable event.

Pre-retirees and retirees looking for a way to potentially improve their investment returns and to help preserve their principal are those that use the services of Stephen Ng Financial Group™.

* Fee-based accounts may not be appropriate for all investors, that fees are assessed regardless of portfolio performance, and depending on the trading activity of the investor, that a fee-based account may be more expensive than a traditional commission based account.

Tax-Deferred Savings

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Cost of Retirement

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Estate Taxes

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