Sage Consulting
Margaret S. Arndt
Holistic Financial Consultant
www.sageconsultingresource.com
marndt@sageconsultingresource.com
(203) 405-3276
Holistic Financial Consulting for Personal and Planetary Well-Being
"Money is a current,
a carrier, a conduit
for our intentions.
Money carries
the imprimatur
of our soul.”
– Lynne Twist, The Soul of Money
“Through the wonderful
tool of money
we can speak who we are and touch the world.”
– Lynne Twist, The Soul of Money
Sage Consulting Services
At Sage Consulting, Margaret takes a holistic, integrated, comprehensive approach to both financial planning and life planning, thereby addressing the whole of her clients' lives based on their needs and goals. She provides COMPREHENSIVE FINANCIAL PLANNING, CUSTOMIZED FINANCIAL STRATEGIES, and HOLISTIC LIFE PLANNING SERVICES - to help clients determine what is important to them, address their financial and life planning needs and goals, and manifest their dreams.
COMPREHENSIVE FINANCIAL PLANNING SERVICES address what Margaret has identified as five cornerstones to a sound financial plan and a five-step planning process, beginning with a Financial Discovery Survey - both Personal and Business, which provides a process for clients to identify their financial needs, goals, and priorities.
CUSTOMIZED FINANCIAL STRATEGIES are designed to help meet clients' financial needs and goals in alignment with their objectives and values. Margaret’s independence allows her to customize these strategies based on objective and impartial advice and a wide array of non-proprietary financial products and services.
HOLISTIC LIFE PLANNING SERVICES help clients more deeply explore their inner life and life path, identify what they want to develop, accomplish, and manifest in their lives in alignment with their values, life purpose, dreams, and visions, be on path consciously and purposefully, and make a meaningful difference in the world at large. Margaret takes a holistic approach in addressing all aspects of one’s life through a dream-mapping process and workbook she has developed, beginning with a Holistic Discovery Survey to help clients evaluate if a holistic life planning and manifestation process would serve them and their life path.
FINANCIAL PLANNING SERVICES SUMMARY
SERVICES:
FIVE CORNERSTONES TO A SOUND FINANCIAL PLAN
1. RISK MANAGEMENT – Helps to protect assets and income from potential loss.
- Addresses needs for health, dental, disability income, life, and long term care insurance.
- Provides risk management strategies and products for one’s investments and retirement plans.
- Addresses a business’ need for key person indemnity and business succession planning.
2. WEALTH BUILDING – Helps to build assets to help meet a client's goals and dreams.
Provides needs analyses, budget planning, tax planning and management*, investment planning
and active portfolio management, tax-favored investments, education funding, retirement
planning and management, and business executive and employee benefit planning.
3. WEALTH PRESERVATION - Helps to both grow and protect a client's assets.
- Provides risk management strategies and products for one’s investments and retirement plans, including actively managed asset allocation strategies (strategic, tactical, absolute return, and alternative) and products that potentially grow assets without the risk of loss**.
- Provides comprehensive college planning (needs and merit based) to optimize financial aid as well as best college choices.
- Provides tax-favored investments and strategies, and tax planning and management*.
4. WEALTH DISTRIBUTION - Helps to optimally distribute income to meet a client's income needs
and goals.
- Provides products that optimize retirement income.
- Provides tax-favored investments and strategies, and tax planning and management*.
5. WEALTH TRANSFER - Helps to optimally transfer a client's estate to desired beneficiaries.
Helps to minimize estate taxes and arrange for the optimal transfer of assets through estate
planning and wealth preservation strategies, including charitable giving*.
*As we are not tax or legal professionals, we coordinate with tax and legal advisors. Cambridge Investment Research, Inc., Cambridge Investment Research Advisors, Inc., and Sage Consulting do not provide tax or legal advice.
**Subject to an insurer’s ability to pay.
SOCIALLY RESPONSIBLE INVESTING
Our investment choices can make a substantial impact in influencing the future of our society and the planet. Fortunately, the opportunities to invest in alignment with our values have been undergoing a quantum shift. The universe of investment possibilities is ever-increasing as is the ability to apply mainstream investing principles to socially responsible portfolio management.
The following links* provide emerging trends in socially responsible and sustainable investing:
As you evaluate your own path and participation, Margaret offers the opportunity to incorporate how you invest your money with how you choose to make an impact in the world.
Resources that give clients the opportunity to align their investments with their values and ideals for a socially responsible and sustainable world include investment planning and active portfolio management with money managers that specialize in socially responsible investing and that provide the opportunity to establish customized social screens and securities exclusions to one's investment portfolio.
Margaret invites you to contact her to learn more.
*This information is being provided as a courtesy. When you access one of these web sites, you are leaving this web site and assume total responsibility and risk for your use of the web sites and the information provided therein.
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In addressing the five cornerstones to a sound financial plan, it is important to understand one’s personal circumstances, lifestyle, needs, goals, and dreams.
Margaret therefore provides the following five step planning process – to guide clients from where they are now to where they want to be.
FIVE-STEP PLANNING PROCESS
1. DISCOVER: Uncovers what is truly important in one's life and identifies and prioritizes one's
financial needs and goals, (which may be broad or focused).
2. INVENTORY and ASSESS: Provides an inventory and assessment of one's current financial
situation.
3. PRESENT: Offers strategic advice specific to one's needs and goals.
4. IMPLEMENT: Implements customized strategies that work best for the client – with non-
proprietary financial products and services.
5. REVIEW: Regularly monitors, reviews, and modifies as needed a client's financial plan.
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SUMMARY OF BENEFITS
- Clients can experience a comprehensive financial planning process and be on a path toward financial well-being, independence, and peace of mind.
- Clients can know their assets are working toward meeting their goals and dreams as well as making a difference in the world if they so choose.
- Clients enjoy an ongoing professional relationship with a trusted and experienced advisor.
DISCOVERY SURVEY
The Financial Discovery Survey provides a navigational path by helping clients identify their needs, goals, and priorities and aims to accomplish the following three objectives:
1. Determine what type of strategic analysis could help improve one's financial future.
2. Discover if one's needs are broad-based or focused.
3. Determine what the next step should be.
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Margaret invites you to contact her to learn more and begin the journey toward addressing your needs and goals and manifesting your dreams!
To get started with identifying and prioritizing your interests, needs, and goals, Margaret invites you to contact her for a DISCOVERY SURVEY - Personal and/or Business.
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HOLISTIC LIFE PLANNING SERVICES SUMMARY
Holistic Life Planning is a creative and integrative process that involves going within, exploring one's inner landscape, and developing a blueprint of what one chooses to develop, create, accomplish, and manifest in all areas of one's life in alignment with one's deepest values, highest wisdom and soul purpose, and what will serve the greater whole.
As stated by James Redfield in his book The Celestine Vision,
“We must always go within to our highest wisdom to chart our path in life. Each of us must find our own confirmation of a World Vision that follows not from fear or scarcity, but from some greater part of our memory.”
What is your highest vision - for yourself, your family, your greater community, and the world at large? What are your deepest values and life purpose that guide your life choices and actions? What are your passions? Are you following your compass of joy? What qualities do you want to develop, goals do you want to achieve, and dreams do you want to manifest? How do you want to make a meaningful difference in the world? What is emerging in you? What is evolving in you?
Margaret invites you to contact her to learn more about and engage in a "Dream Mapping" process and workbook she has developed to help you answer these questions for yourself, be on a conscious and purposeful path, and live your dreams!
As stated by Maria Quischpe, from John Perkins’ book The World Is As You Dream It,
“The dream is everything. The way we live is determined by the way we dream.”
Margaret also teaches on the topic of "prosperity and abundance consciousness" and "the energy of money" and welcomes you to contact her to learn more.
SUMMARY OF BENEFITS
- Clients can experience an integrated life planning process and be on an evolutionary and purposeful path toward overall well-being, the manifestation and fulfillment of one’s purpose, dreams, visions, and goals, and a transcendent state of 'being the change they wish to see in the world'.
- Clients enjoy an ongoing professional relationship with a trusted and experienced advisor.
DISCOVERY SURVEY
The Holistic Discovery Survey is designed to help clients evaluate if a holistic life planning and manifestation process would serve them and their life journeys. It asks prompting questions that may lead clients toward more deeply exploring their inner lives and life paths and what they may want to develop, accomplish, and manifest in their lives and the world at large.
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Margaret invites you to contact her to learn more and begin the journey toward addressing your needs and goals and manifesting your dreams!
To get started with identifying and prioritizing your interests, needs, and goals, Margaret invites you to contact her for a HOLISTIC DISCOVERY SURVEY.
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No strategy can assure profit or guarantee against loss, and no single strategy is appropriate for every investor.
Holistic Life Planning Services are not offered nor endorsed by Cambridge.
Registered Representative, Securities offered through Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC.
Investment Advisor Representative, Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor.
Sage Consulting and Cambridge are not affiliated.
Fee-based and investment advisory services, investment products and services, and insurance products are available only to residents of CT and MA.
To learn more:
PLANNING GROWTH INDEPENDENCE TRANSCENDENCE
To learn more:
To learn more:
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“Let your soul inform
your money and
your money express
your soul.”
– Lynne Twist,
The Soul of Money
“Holistic” refers to the treatment of any subject as a whole integrated system. It references the theory that reality is made up of organic or unified wholes that are greater than the simple sum of their parts.
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SERVICES OVERVIEW
"Physicist David Bohm called this the holographic universe: every aspect of our lives has a reflection in every other aspect. This means how you do money is how you do life."
Maria Nemeth, Ph.D.,
The Energy of Money
"Money is simply energy.
It is here to be used wisely, consciously, and with enjoyment."
- Maria Nemeth, Ph.D.,
The Energy of Money
"If our inner work is great, our outer work will be great."
- Meister Eckhart
"We are here to be creators; We are here to infiltrate space with ideas and mansions of thought; We are here to make something of this life.”
– Ramtha
