SAGE CAPITAL ADVISORS, INC.
TAMPA, FLORIDA

About Sage Capital Advisors Over the years there have been many changes in the family and business protection, tax planning and estate planning fields. One thing that has remained a constant, however, is a lack of integration between the various tools and vehicles used to attain goals. There is also a continued lack of communication between the various disciplines and practitioners associated with these fields. IRS Circular 230 Notice: We are required to advise you no person or entity may use any tax advice in this communication or any attachment to (i) avoid any penalty under federal tax law or (ii) promote, market or recommend any purchase, investment or other action. The infor­mation and opinions contained in this document are for background purposes only and do not purport to be full or complete, and is subject to change. No representation, warranty, or undertaking, express or implied, is given as to the accuracy or completeness of the information or opinions contained in this document, and no liability is accepted as to the accuracy or completeness of any such information or opinions. Sage does not provide tax, legal, or accounting advice. In considering this material, you should discuss your individual circumstances with a tax, legal and/or accounting professional before making any decisions. Sage Capital Advisors, Inc. is licensed to offer insurance products in Florida. About Sage Capital Advisors Over the years there have been many changes in the family and business protection, tax planning and estate planning fields. One thing that has remained a constant, however, is a lack of integration between the various tools and vehicles used to attain goals. There is also a continued lack of communication between the various disciplines and practitioners associated with these fields. IRS Circular 230 Notice: We are required to advise you no person or entity may use any tax advice in this communication or any attachment to (i) avoid any penalty under federal tax law or (ii) promote, market or recommend any purchase, investment or other action. The infor­mation and opinions contained in this document are for background purposes only and do not purport to be full or complete, and is subject to change. No representation, warranty, or undertaking, express or implied, is given as to the accuracy or completeness of the information or opinions contained in this document, and no liability is accepted as to the accuracy or completeness of any such information or opinions. Sage does not provide tax, legal, or accounting advice. In considering this material, you should discuss your individual circumstances with a tax, legal and/or accounting professional before making any decisions. Sage Capital Advisors, Inc. is licensed to offer insurance products in Florida. About Sage Capital Advisors Over the years there have been many changes in the family and business protection, tax planning and estate planning fields. One thing that has remained a constant, however, is a lack of integration between the various tools and vehicles used to attain goals. There is also a continued lack of communication between the various disciplines and practitioners associated with these fields. IRS Circular 230 Notice: We are required to advise you no person or entity may use any tax advice in this communication or any attachment to (i) avoid any penalty under federal tax law or (ii) promote, market or recommend any purchase, investment or other action. The infor­mation and opinions contained in this document are for background purposes only and do not purport to be full or complete, and is subject to change. No representation, warranty, or undertaking, express or implied, is given as to the accuracy or completeness of the information or opinions contained in this document, and no liability is accepted as to the accuracy or completeness of any such information or opinions. Sage does not provide tax, legal, or accounting advice. In considering this material, you should discuss your individual circumstances with a tax, legal and/or accounting professional before making any decisions. Sage Capital Advisors, Inc. is licensed to offer insurance products in Florida.