• Transaction-Based Investing

    Some investment accounts are not large enough to meet our fee-based account minimums, or a client may simply prefer a traditional brokerage account. Silversage Advisors® offers a number of investments in which we earn a commission, rather than a fee, for the investment advice and executions. These investment options include:

    • Traditional brokerage accounts (to hold stocks, bonds, mutual funds, etc)

    • Bond Ladders

    • Fixed-Rate Annuities

    • 529 Plans


    All retirement registrations are available – IRA, Individual 401k and pension plans – as well as taxable registrations such as trusts, joint, individual name only and transfer on death (TOD).


  • Traditional Brokerage Accounts

    Traditional brokerage accounts are ideal for clients who want to consolidate existing securities like stocks, municipal bonds and mutual funds. Clients can purchase, sell and maintain securities in this brokerage account.


  • Bond Ladders

    The term “ladder” refers to sequential maturities. Investors use bond ladders to reduce reinvestment and other types of risk. For example, a client might invest in bonds that range in maturity from 5 to 15 years, with a bond maturing each year in that 10-year ladder. As a bond matures, you simply buy a new 10 year bond, so the ladder remains intact for flexibility and liquidity.


  • Fixed Annuities

    We use fixed annuities to obtain potentially higher fixed interest rates than money markets or CDs. Fixed annuity maturities generally range from 2-10 years and are guaranteed by the insurance carrier, but are not FDIC insured. As with most states, the State of California Guarantee Fund is designed to offer additional protection to investors of fixed annuities in the event of company failure. Our firm can provide further information on the State Fund.


  • 529 Plans

    529 plans help clients’ children and grandchildren save for college in a tax-efficient manner. Notable benefits of these plans include:

    • Potential tax-free withdrawals for eligible higher education costs

    • The owner, not the beneficiary, retains control of the assets

    • Beneficiaries can be changed

    • Potential state income tax deductions exist for contributions


    Grandparents looking to reduce their taxable estate and provide educational funding for grandchildren can establish a 529 plan for each grandchild using significant upfront contributions. Our firm offers advice on education savings planning, Coverdell Savings Accounts, 529 Plans and UTMA accounts (Uniform Transfer to Minors Act).