Individual Investors

Your relationship with Saratoga is just that, a relationship.
You should fit us as well as we fit you.

Saratoga’s intention is to serve a specific type of client at the highest possible level; not to be everything to everyone.

Saratoga’s services are most effective for individual investors who view their financial advisor as a long-term partner, who are comfortable with and desirous of sharing responsibility for life’s major financial decisions, and who have between $300,000 and $5,000,000 of investable assets.

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Saratoga’s Financial Planning &
Investment management Services

  • Focused Planning & Investment Management

    Covers a focused group of topics and strategies. Generally suited to clients with less than $300,000 of investable assets or clients who have already reached retirement.

  • Full Planning & Investment Management

    Covers of a wide range of topics and complex strategies. Generally appropriate for clients with over $300,000 of investable assets or complex planning needs.

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How We can Help our Clients

  • A Financial Blueprint

    Building a unified view of your household’s financial circumstances through aggregation and syncing tools.

  • Retirement Planning

    Helping you build a secure and comfortable retirement through personalized planning strategies.

  • Investment Management

    Designing and managing a diversified portfolio tailored to your goals, risk tolerance, and time horizon.

  • Tax Strategy

    Minimizing your tax liability with smart strategies that align with current laws and your financial objectives.

  • Estate Planning

    Ensuring your assets are distributed according to your wishes while minimizing estate taxes and legal complications.

  • Budgeting & Cash Flow Management

    Helping you create a practical budget and manage cash flows to support your lifestyle and savings goals.

  • Insurance Analysis

    Protecting your wealth and loved ones with the analysis of insurance coverage for life, health, property, and more.

  • Education Funding

    Planning and saving for your children’s or grandchildren’s education with tax-advantaged strategies like 529 plans.

  • Debt & Student Loan Management

    Developing a plan to reduce or eliminate debt efficiently while improving financial stability.