◈ Homepage — http://www.sagientfs.com/Solutions Our Philosophy Join Us Our Videos Our Team Contact Us Solutions Our Philosophy Join Us Our Videos Our Team Contact Us Customer Relationship Summary Shaping tomorrow’s wealth with wisdom and innovation. Our Solutions A century of combined experience behind us. Financial freedom ahead of you. Knowledge is the Sagient way. Our name comes from the Latin word for “those who know or perceive quickly.” We get to know our clients deeply and provide personally tailored financial guidance for a fast-changing world. We help you succeed by combining the wisdom we have earned from our heritage with innovative insights to shape the future. Whether you have a financial issue to address or an opportunity to consider, you can turn to Sagient professionals who have taken the time to understand your needs and goals and can offer you a streamlined path forward. The connection we foster will help you confidently carry out your financial goals and legacy.  The more we get to know you, the more we can achieve together. Sagient’s financial advisors average over two decades of financial expertise.  We leverage this wealth of experience alongside cutting-edge strategies to cater to the unique needs of individuals, businesses and expanding families. Explore Sagient We Believe A holistic approach to financial planning is possible.  Our team listens to your financial needs and embraces modern technologies to design the unified financial solution that is right for you. Personal Finance Strategies Whether it’s implementing saving strategies or minimizing taxes, we provide you with the tools you need to plan for your future and weather the unexpected.   Estate Strategies We walk you through your options to create an evolving plan. Our tax minimization strategies and deep industry expertise help you confidently build and preserve your legacy.   Business
 Strategies From planning a business succession to providing benefits for your employees, Sagient offers scalable, custom solutions that back your business at every stage of growth.  Implementation Strategies* Sagient creates a customized roadmap for you to achieve your financial and retirement goals. No matter how you choose to implement your plan, our team will continue to monitor your progress, grow with you, and strengthen the relationship that allows us to serve you.   *Please note that you can implement your financial plan at the financial institution of your choice. Implementation of specific products or services may result in commissions or fees outside of the financial planning fee No matter where you are, we’re growing with you. Building your financial future is an ongoing process, not a one-time event. Our goal is to create a trusting relationship that you can turn to for guidance at any stage of your financial journey.  Dive Into Our Services Career Opportunities Join a team who values the process over the products The Sagient team is collaborative, curious, and constantly on the lookout for fellow innovators.  Our team values a “we” mindset, a commitment to lifelong learning, and building holistic, well-balanced practices tailored to customer needs.  Learn More News & Insights 4 Strategies That Will End Your Hiring Frustration and Help You Find Better Talent, Faster 4 Strategies That Will End Your Hiring Frustration and Help You Find Better Talent, Faster Hiring frustration isn't a pipeline issue; it's a signal your assumptions about talent are broken. Make these moves, or the best candidates will keep walking away. Read more... 3 Essential Lessons for First-Time Entrepreneurs — From Someone Who’s Been at It for 2 Decades 3 Essential Lessons for First-Time Entrepreneurs — From Someone Who’s Been at It for 2 Decades Here's what you should understand before you start your own business. Read more... Want to retire early? People who have done so already say to focus on 3 expenses Want to retire early? People who have done so already say to focus on 3 expenses Business Insider has spoken with dozens of early retirees. Rather than focus on cutting back on small things, like coffee, they focus on 'the big three.' Trimming housing, transportation, and food costs could transform your finances. Read more... How Many People Wait Until Full Retirement Age to Take Social Security—And Why Does It Matter? How Many People Wait Until Full Retirement Age to Take Social Security—And Why Does It Matter? More than two-thirds of new claimants in 2024 filed before age 66 — meaning they all claimed before their full retirement age and took a permanent benefit cut. Read more... Even in Their 50s, Many Americans Have No Retirement Account or Pension Even in Their 50s, Many Americans Have No Retirement Account or Pension Federal Reserve data shows about 3 in 10 Americans in their 50s lack retirement savings—even when pensions are included. Read more... The most layoff-prone job in tech right now The most layoff-prone job in tech right now Coinbase and other tech companies want fewer managers — and ones who can act as "player-coaches." Managers who don't do any individual contributor work are especially vulnerable. Those who survive layoffs are being tasked with overseeing AI agents — and more workers. Read more... Recognized as a Great Place to Work® (2026–2027) Solutions Our Philosophy Join Us Our Team Contact Us Licensing Connect with us Office: (323) 965-6300 200 N. Pacific Coast Hwy Suite 1825 El Segundo, CA 90245 © Copyright 2026 Sagient | All Rights Reserved Privacy Policy Cookie Policy Check the background of your financial professional on FINRA's BrokerCheck. The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by Dot Dash to provide information on a topic that may be of interest. Dot Dash is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. We take protecting your data and privacy very seriously. As of January 1, 2020 the Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information. Securities, investment advisory and financial planning services are offered through qualified registered representatives of MML Investors Services, LLC. Member SIPC. 200 N. Pacific Coast Hwy., #1825, El Segundo, CA 90245, Phone (323) 965-6300. Sagient operates as Sagient Insurance and Financial Services, Inc. in the State of California CRN202609-4860612 Customer Relationship Summary ◈ Interior Pages — 10 pages crawledPrivacy Policy | Sagient Solutions Our Philosophy Join Us Our Videos Our Team Contact Us Solutions Our Philosophy Join Us Our Videos Our Team Contact Us Customer Relationship Summary Privacy Policy Last updated December 02, 2024 This Privacy Notice for Sagient Insurance & Financial Services, LLC (doing business as Sagient) (“ we ,” “ us ,” or “ our “), describes how and why we might access, collect, store, use, and/or share (“ process “) your personal information when you use our services (“ Services “), including when you: Visit our website at  https://www.sagientfs.com , or any website of ours that links to this Privacy Notice Engage with us in other related ways, including any sales, marketing, or events Questions or concerns?  Reading this Privacy Notice will help you understand your privacy rights and choices. We are responsible for making decisions about how your personal information is processed. If you do not agree with our policies and practices, please do not use our Services. If you still have any questions or concerns, please contact us at  [email protected] . SUMMARY OF KEY POINTS This summary provides key points from our Privacy Notice, but you can find out more details about any of these topics by clicking the link following each key point or by using our  table of contents  below to find the section you are looking for. What personal information do we process?  When you visit, use, or navigate our Services, we may process personal information depending on how you interact with us and the Services, the choices you make, and the products and features you use. Learn more about  personal information you disclose to us . Do we process any sensitive personal information?  Some of the information may be considered “special” or “sensitive” in certain jurisdictions, for example your racial or ethnic origins, sexual orientation, and religious beliefs. We do not process sensitive personal information. Do we collect any information from third parties?  We do not collect any information from third parties. How do we process your information?  We process your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, and to comply with law. We may also process your information for other purposes with your consent. We process your information only when we have a valid legal reason to do so. Learn more about  how we process your information . In what situations and with which parties do we share personal information?  We may share information in specific situations and with specific third parties. Learn more about  when and with whom we share your personal information . How do we keep your information safe?  We have adequate organizational and technical processes and procedures in place to protect your personal information. However, no electronic transmission over the internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information. Learn more about  how we keep your information safe . What are your rights?  Depending on where you are located geographically, the applicable privacy law may mean you have certain rights regarding your personal information. Learn more about  your privacy rights . How do you exercise your rights?  The easiest way to exercise your rights is by submitting a  data subject access request , or by contacting us. We will consider and act upon any request in accordance with applicable data protection laws. Want to learn more about what we do with any information we collect?  Review the Privacy Notice in full . TABLE OF CONTENTS 1. WHAT INFORMATION DO WE COLLECT? 2. HOW DO WE PROCESS YOUR INFORMATION? 3. WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION? 4. DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES? 5. HOW LONG DO WE KEEP YOUR INFORMATION? 6. HOW DO WE KEEP YOUR INFORMATION SAFE? 7. DO WE COLLECT INFORMATION FROM MINORS? 8. WHAT ARE YOUR PRIVACY RIGHTS? 9. CONTROLS FOR DO-NOT-TRACK FEATURES 10. DO UNITED STATES RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS? 11. DO WE MAKE UPDATES TO THIS NOTICE? 12. HOW CAN YOU CONTACT US ABOUT THIS NOTICE? 13. HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU? 1. WHAT INFORMATION DO WE COLLECT? Personal information you disclose to us In Short:   We collect personal information that you provide to us. We collect personal information that you voluntarily provide to us when you express an interest in obtaining information about us or our products and Services, when you participate in activities on the Services, or otherwise when you contact us. Personal Information Provided by You.  The personal information that we collect depends on the context of your interactions with us and the Services, the choices you make, and the products and features you use. The personal information we collect may include the following: we do not ask for any information in order to use our site Sensitive Information.  We do not process sensitive information. All personal information that you provide to us must be true, complete, and accurate, and you must notify us of any changes to such personal information. Google API Our use of information received from Google APIs will adhere to Google API Services User Data Policy , including the Limited Use requirements . We use Google OAuth 2.0 authorization to receive consent to manage your YouTube account. 2. HOW DO WE PROCESS YOUR INFORMATION? In Short:  We process your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, and to comply with law. We may also process your information for other purposes with your consent. We process your personal information for a variety of reasons, depending on how you interact with our Services, including: 3. WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION? In Short:  We may share information in specific situations described in this section and/or with the following third parties. We may need to share your personal information in the following situations: Business Transfers.  We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company. When we use Google Maps Platform APIs.  We may share your information with certain Google Maps Platform APIs (e.g., Google Maps API, Places API). Google Maps uses GPS, Wi-Fi, and cell towers to estimate your location. GPS is accurate to about 20 meters, while Wi-Fi and cell towers help improve accuracy when GPS signals are weak, like indoors. This data helps Google Maps provide directions, but it is not always perfectly precise. 4. DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES? In Short:  We may use cookies and other tracking technologies to collect and store your information. We may use cookies and similar tracking technologies (like web beacons and pixels) to gather information when you interact with our Services. Some online tracking technologies help us maintain the security of our Services, prevent crashes, fix bugs, save your preferences, and assist with basic site functions. We also permit third parties and service providers to use online tracking technologies on our Services for analytics and advertising, including to help manage and display advertisements, to tailor advertisements to your interests, or to send abandoned shopping cart reminders (de Personal Information | Sagient Solutions Our Philosophy Join Us Our Videos Our Team Contact Us Solutions Our Philosophy Join Us Our Videos Our Team Contact Us Customer Relationship Summary Personal Information Form Name First Last Email Message Prohibit the sale of personal information Request copies of personal information Request deletion of personal information Recognized as a Great Place to Work® (2026–2027) Solutions Our Philosophy Join Us Our Team Contact Us Licensing Connect with us Office: (323) 965-6300 200 N. Pacific Coast Hwy Suite 1825 El Segundo, CA 90245 © Copyright 2026 Sagient | All Rights Reserved Privacy Policy Cookie Policy Check the background of your financial professional on FINRA's BrokerCheck. The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by Dot Dash to provide information on a topic that may be of interest. Dot Dash is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. We take protecting your data and privacy very seriously. As of January 1, 2020 the Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information . Securities, investment advisory and financial planning services are offered through qualified registered representatives of MML Investors Services, LLC. Member SIPC . 200 N. Pacific Coast Hwy., #1825, El Segundo, CA 90245, Phone (323) 965-6300. Sagient operates as Sagient Insurance and Financial Services, Inc. in the State of California CRN202609-4860612 Customer Relationship Summary Join Us: Find Your Next Career | Sagient Solutions Our Philosophy Join Us Our Videos Our Team Contact Us Solutions Our Philosophy Join Us Our Videos Our Team Contact Us Customer Relationship Summary Careers Sagient is growing our team of curious, customer centric advisors. We offer tremendous training, opportunities for growth and a commitment from our leadership that we will invest in your future with our team. Join Us Schedule a call Are you the right fit? As a Sagient member, you will: 01 Value the process over the products. You commit to building long-term, trusted relationships with your clients and colleagues in your effort to provide holistic, well-balanced strategies rather than one-off products. 02 Demonstrate mutual respect for your team. You understand your teammates are your strongest asset. You raise each other up, seek out the wisdom of your colleagues to enhance your guidance, and prize the collaboration that sets us apart from the crowd. 03 Ask questions to continue learning. You are forever curious and seek to understand differing opinions, keep up on the latest trends and are interested in pursuing further designations and development. 04 Honor your commitments. Whether you’re juggling multiple client requests or immersing yourself in continued education, you hold yourself accountable and put 100% toward fulfilling your obligations. 05 Take pride in the inclusion and diversity within our team. You recognize that the unique strengths and backgrounds of your team members make us all stronger and smarter. 06 Have fun. You embrace the joy that naturally comes when you are fulfilled by your work, enjoy a collaborative relationship with your team members, and are continually striving to innovate and improve. Does this sound like you? Then it’s time to get in touch. Schedule a call Recognized as a Great Place to Work® (2026–2027) Solutions Our Philosophy Join Us Our Team Contact Us Licensing Connect with us Office: (323) 965-6300 200 N. Pacific Coast Hwy Suite 1825 El Segundo, CA 90245 © Copyright 2026 Sagient | All Rights Reserved Privacy Policy Cookie Policy Check the background of your financial professional on FINRA's BrokerCheck. The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by Dot Dash to provide information on a topic that may be of interest. Dot Dash is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. We take protecting your data and privacy very seriously. As of January 1, 2020 the Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information . Securities, investment advisory and financial planning services are offered through qualified registered representatives of MML Investors Services, LLC. Member SIPC . 200 N. Pacific Coast Hwy., #1825, El Segundo, CA 90245, Phone (323) 965-6300. Sagient operates as Sagient Insurance and Financial Services, Inc. in the State of California CRN202609-4860612 Customer Relationship Summary Cookie Policy | Sagient Solutions Our Philosophy Join Us Our Videos Our Team Contact Us Solutions Our Philosophy Join Us Our Videos Our Team Contact Us Customer Relationship Summary Cookie Policy Last updated December 11, 2024 This Cookie Policy explains how Sagient Insurance & Financial Services, LLC (“ Company ,” “ we ,” “ us ,” and “ our “) uses cookies and similar technologies to recognize you when you visit our website at  https://www.sagientfs.com  (“ Website “). It explains what these technologies are and why we use them, as well as your rights to control our use of them. In some cases we may use cookies to collect personal information, or that becomes personal information if we combine it with other information. What are cookies? Cookies are small data files that are placed on your computer or mobile device when you visit a website. Cookies are widely used by website owners in order to make their websites work, or to work more efficiently, as well as to provide reporting information. Cookies set by the website owner (in this case, Sagient Insurance & Financial Services, LLC) are called “first-party cookies.” Cookies set by parties other than the website owner are called “third-party cookies.” Third-party cookies enable third-party features or functionality to be provided on or through the website (e.g., advertising, interactive content, and analytics). The parties that set these third-party cookies can recognize your computer both when it visits the website in question and also when it visits certain other websites. Why do we use cookies? We use first- and third-party cookies for several reasons. Some cookies are required for technical reasons in order for our Website to operate, and we refer to these as “essential” or “strictly necessary” cookies. Other cookies also enable us to track and target the interests of our users to enhance the experience on our Online Properties. Third parties serve cookies through our Website for advertising, analytics, and other purposes. This is described in more detail below. How can I control cookies? You have the right to decide whether to accept or reject cookies. You can exercise your cookie rights by setting your preferences in the Cookie Consent Manager. The Cookie Consent Manager allows you to select which categories of cookies you accept or reject. Essential cookies cannot be rejected as they are strictly necessary to provide you with services. The Cookie Consent Manager can be found in the notification banner and on our Website. If you choose to reject cookies, you may still use our Website though your access to some functionality and areas of our Website may be restricted. You may also set or amend your web browser controls to accept or refuse cookies. The specific types of first- and third-party cookies served through our Website and the purposes they perform are described in the table below (please note that the specific cookies served may vary depending on the specific Online Properties you visit): Analytics and customization cookies: These cookies collect information that is used either in aggregate form to help us understand how our Website is being used or how effective our marketing campaigns are, or to help us customize our Website for you. Name: s7 Purpose: Gather data regarding site usage and user behavior on the website. Provider: sagientfs.com Service: Adobe Analytics Type: html_session_storage Expires in: session Name: _ga Purpose: Records a particular ID used to come up with data about website usage by the user Provider: .sagientfs.com Service: Google Analytics  View Service Privacy Policy Type: http_cookie Expires in: 1 year 1 month 4 days Name: _ga_# Purpose: Used to distinguish individual users by means of designation of a randomly generated number as client identifier, which allows calculation of visits and sessions Provider: .sagientfs.com Service: Google Analytics  View Service Privacy Policy Type: http_cookie Expires in: 1 year 1 month 4 days How can I control cookies on my browser? As the means by which you can refuse cookies through your web browser controls vary from browser to browser, you should visit your browser’s help menu for more information. The following is information about how to manage cookies on the most popular browsers: Chrome Internet Explorer Firefox Safari Edge Opera In addition, most advertising networks offer you a way to opt out of targeted advertising. If you would like to find out more information, please visit: Digital Advertising Alliance Digital Advertising Alliance of Canada European Interactive Digital Advertising Alliance What about other tracking technologies, like web beacons? Cookies are not the only way to recognize or track visitors to a website. We may use other, similar technologies from time to time, like web beacons (sometimes called “tracking pixels” or “clear gifs”). These are tiny graphics files that contain a unique identifier that enables us to recognize when someone has visited our Website or opened an email including them. This allows us, for example, to monitor the traffic patterns of users from one page within a website to another, to deliver or communicate with cookies, to understand whether you have come to the website from an online advertisement displayed on a third-party website, to improve site performance, and to measure the success of email marketing campaigns. In many instances, these technologies are reliant on cookies to function properly, and so declining cookies will impair their functioning. Do you use Flash cookies or Local Shared Objects? Websites may also use so-called “Flash Cookies” (also known as Local Shared Objects or “LSOs”) to, among other things, collect and store information about your use of our services, fraud prevention, and for other site operations. If you do not want Flash Cookies stored on your computer, you can adjust the settings of your Flash player to block Flash Cookies storage using the tools contained in the  Website Storage Settings Panel . You can also control Flash Cookies by going to the  Global Storage Settings Panel  and following the instructions (which may include instructions that explain, for example, how to delete existing Flash Cookies (referred to “information” on the Macromedia site), how to prevent Flash LSOs from being placed on your computer without your being asked, and (for Flash Player 8 and later) how to block Flash Cookies that are not being delivered by the operator of the page you are on at the time). Please note that setting the Flash Player to restrict or limit acceptance of Flash Cookies may reduce or impede the functionality of some Flash applications, including, potentially, Flash applications used in connection with our services or online content. Do you serve targeted advertising? Third parties may serve cookies on your computer or mobile device to serve advertising through our Website. These companies may use information about your visits to this and other websites in order to provide relevant advertisements about goods and services that you may be interested in. They may also employ technology that is used to measure the effectiveness of advertisements. They can accomplish this by using cookies or web beacons to collect information about your visits to this and other sites in order to provide relevant advertisements about goods and services of potential interest to you. The information collected through this process does not enable us or them to identify your name, contact details, or other details that directly identify you unless you choose to provide these. How often will you update this Cookie Policy? We may update this Cookie Policy from time to time in order to reflect, for e Our Videos | Sagient Solutions Our Philosophy Join Us Our Videos Our Team Contact Us Solutions Our Philosophy Join Us Our Videos Our Team Contact Us Customer Relationship Summary Our Videos Our Playlists Behavioral Finance Unlock the ability to handlie the uncertainties of life and finances with a deeper understanding of behavioral finance. Dive into our conversation about the importance of emotions in financial planning. #uncertainty #FinancialPlanning #BehavioralFinance #SAGIENT 2 0 YouTube Video UEwxNmpQUGhEODBWVDVfQzZxU1VEWkxoQkQxUDF0dFVvVi41MjE1MkI0OTQ2QzJGNzNG Money is Emotional: The Only Certainty is Uncertainty SAGIENT January 14, 2025 5:57 am Are you framing your financial planning around your core values? Learn to understand what truly matters to help tackle life's uncertainties and its financial effects effectively. 🔍 #SmartPlanning #Financialplanning #framing #CoreValues #behavioralfinance #SAGIENT 1 0 YouTube Video UEwxNmpQUGhEODBWVDVfQzZxU1VEWkxoQkQxUDF0dFVvVi4wOTA3OTZBNzVEMTUzOTMy Personal Values are the Key to Framing SAGIENT January 14, 2025 5:57 am 📊 "Is comparing your portfolio to the S&P 500 really what matters? Reframe your financial goals with Behavioral Finance principles. #investingadvice #behavioralfinance #financialgoals #whatsyournumber #portfolio #finance #financialplanning #familyplanning #familyfinance #SAGIENT 1 0 YouTube Video UEwxNmpQUGhEODBWVDVfQzZxU1VEWkxoQkQxUDF0dFVvVi5GNjNDRDREMDQxOThCMDQ2 It's Not About the Portfolio: How Much Do You Need? When Do You Need It? SAGIENT January 14, 2025 5:57 am Behavioral finance isn't just a buzzword—it's now an industry standard. Behavior can transform financial advising and lead to better client outcomes. 🌟 #FinancialAdvising #happy #behavioralfinance #finance #financialplanning #SAGIENT 2 0 YouTube Video UEwxNmpQUGhEODBWVDVfQzZxU1VEWkxoQkQxUDF0dFVvVi41QTY1Q0UxMTVCODczNThE Behavioral Finances Now An Industry Standard SAGIENT January 14, 2025 5:57 am From simplistic algorithms to sophisticated solutions: AI's evolving role in Finance might surprise you with its potential and dissapoint you with its ability to understand your core values. #Ai #Aifinance #fintech #Happy #BehavioralFinance #Finance #FinancialPlanning #SAGIENT 0 0 YouTube Video UEwxNmpQUGhEODBWVDVfQzZxU1VEWkxoQkQxUDF0dFVvVi4yMUQyQTQzMjRDNzMyQTMy AI In Behavioral Finance SAGIENT January 14, 2025 5:57 am Financial planning is more than a meeting—it's a partnership. Think of a financial planner as your guide on a lifelong journey. 🌟 Stay connected, adapt together, and make informed decisions hand-in-hand. #financialadvisor #LongTermSuccess #FinancialWellness #Happy #BehavioralFinance #Finance #FinancialPlanning #SAGIENT 1 0 YouTube Video UEwxNmpQUGhEODBWVDVfQzZxU1VEWkxoQkQxUDF0dFVvVi4yMDhBMkNBNjRDMjQxQTg1 Financial Advisor Should Be A Long-term Collaborator SAGIENT January 14, 2025 5:57 am 🧘‍♂️ Ground yourself in a crisis by recognizing your biases and aligning with your long-term goals. Let Behavioral Finance coach you through life’s challenges. #AnchoredInValues #PersonalGrowth #FinancialHealth #FinanceSkills #FinancialAdvice #FinanceTalk #FinancialAdvisor #FinancialWellness #Happy #BehavioralFinance #Finance #FinancialPlanning #SAGIENT 1 0 YouTube Video UEwxNmpQUGhEODBWVDVfQzZxU1VEWkxoQkQxUDF0dFVvVi5DQ0MyQ0Y4Mzg0M0VGOEYw How Does Behavioral Finance Anchor You In Crisis? Pt. 2 SAGIENT January 14, 2025 5:57 am The next generations face a unique challenge: will they surpass their predecessors in the age of the $85 TRILLION GREAT WEALTH TRANSFER, or has the focus shifted? Discover insights on generational aspirations amidst this massive financial shift. #WealthTransfer #TheGreatWealthTransfer #Inheritance #FinancialWisdom #FinancialHealth #FinanceSkills #FinancialAdvice #FinanceTalk #FinancialAdvisor #FinancialWellness #Happy #BehavioralFinance #Finance #FinancialPlanning #SAGIENT 1 0 YouTube Video UEwxNmpQUGhEODBWVDVfQzZxU1VEWkxoQkQxUDF0dFVvVi5DMkU4NTY1QUFGQTYwMDE3 Behavioral Finance & The Great Wealth Transfer SAGIENT January 14, 2025 5:57 am Curious about how life milestones like marriage, children, and even divorce impact behavioral finance? Discover insights into how age and experience shape our financial wisdom. #aging #LifeWisdom #LifeExperience #LifeMilestones #FinancialWisdom #FinancialHealth #FinanceSkills #FinancialAdvice #FinanceTalk #FinancialAdvisor #FinancialWellness #Happy #BehavioralFinance #Finance #FinancialPlanning #SAGIENT 1 0 YouTube Video UEwxNmpQUGhEODBWVDVfQzZxU1VEWkxoQkQxUDF0dFVvVi41QUZGQTY5OTE4QTREQUU4 How Behavioral Finance Changes Over Time SAGIENT January 14, 2025 5:57 am Load More… Subscribe Financial Safety, Financial Security & Elder Fraud Still relying on old-school credit monitoring? It may not catch scams like romance or charity fraud. Discover how SAGIENT and CAREFULL’s layered approach to Financial Hygiene can help safeguard your finances today. #FraudPrevention #FinancialSecurity #Boomers #Retirement #FinancialWisdom #FinancialHealth #FinanceSkills #FinancialAdvice #FinanceTalk #FinancialAdvisor #FinancialWellness #Happy #ElderFraud #FamilyFinance #SecureFuture #TheGreatWealthTransfer #FinancialPlanning #Finance #GenerationalWealth #FinancialPlanning #CAREFULL #SAGIENT 3 0 YouTube Video UEwxNmpQUGhEODBWUlQyUnU0V2FPaTdMeW5lc2lqak9YeC4yMDhBMkNBNjRDMjQxQTg1 Credit Monitoring and Insurance Only Go So Far. Track the Behavior. SAGIENT January 8, 2025 1:18 am Is your family ready to handle 'The Thanksgiving Problem'? Don't let urgency and secrecy break your family's trust. Uncover the tactics of romance scams and how to protect against them. Educate and arm yourselves this holiday season! 💡 #THANKSGIVING #THANKSGIVINGPROBLEM #FraudPrevention #FinancialSecurity #Boomers #Retirement #FinancialWisdom #FinancialHealth #FinanceSkills #FinancialAdvice #FinanceTalk #FinancialAdvisor #FinancialWellness #Happy #ElderFraud #FamilyFinance #SecureFuture #TheGreatWealthTransfer #FinancialPlanning #Finance #GenerationalWealth #FinancialPlanning #CAREFULL #SAGIENT 3 0 YouTube Video UEwxNmpQUGhEODBWUlQyUnU0V2FPaTdMeW5lc2lqak9YeC45NDk1REZENzhEMzU5MDQz The Thanksgiving Problem & How to Stop Romance Scams From Working SAGIENT January 8, 2025 3:18 am Did you know cognitive decline may show up in your finances years before a medical diagnosis? Learn how transactional data may reveal early signs of Alzheimer's and dementia. #FinancialHealth #BrainHealth #EarlyDetection #Alzheimer #Dementia #FraudPrevention #FinancialSecurity #Boomers #Retirement #FinancialWisdom #FinancialHealth #FinanceSkills #FinancialAdvice #FinanceTalk #FinancialAdvisor #FinancialWellness #Happy #ElderFraud #FamilyFinance #SecureFuture #TheGreatWealthTransfer #FinancialPlanning #Finance #GenerationalWealth #FinancialPlanning #CAREFULL #SAGIENT 4 0 YouTube Video UEwxNmpQUGhEODBWUlQyUnU0V2FPaTdMeW5lc2lqak9YeC45ODRDNTg0QjA4NkFBNkQy Dementia, Alzheimer's Can First Be Diagnosed in the Wallet: Catch Things Early SAGIENT January 8, 2025 3:18 am It's not about taking the keys away. It's about ensuring access when it matters. Gain #FinancialSafety with SAGIENT & CAREFULL. Designate #TrustedContacts and empower your family with secure, read-only access. 🗝️🔒 #StaySafe #FraudPrevention #FinancialSecurity #Boomers #Retirement #FinancialWisdom #FinancialHealth #FinanceSkills #FinancialAdvice #FinanceTalk #FinancialAdvisor #FinancialWellness #Happy #ElderFraud #FamilyFinance #SecureFuture #TheGreatWealthTransfer #FinancialPlanning #Finance #GenerationalWealth #FinancialPlanning #CAREFULL #SAGIENT 4 0 YouTube Video UEwxNmpQUGhEODBWUlQyUnU0V2FPaTdMeW5lc2lqak9YeC4zMDg5MkQ5MEVDMEM1NTg2 Not About Taking Keys Away; About Having Access When Everyone Needs Them SAGIENT January 8, 2025 3:18 am Scammers have upped their game with PIG BUTCHERING scams! 🐷🔪 These schemes lure you into trust before asking for small amounts of money. Recognize the red flags and guard y Solutions: Customized Offerings for Clients | Sagient Solutions Our Philosophy Join Us Our Videos Our Team Contact Us Solutions Our Philosophy Join Us Our Videos Our Team Contact Us Customer Relationship Summary Our Solutions There are no one-size-fits-all solutions with Sagient. Before you hear about any financial plan from us, we’re going to hear from you—about your current financial health, the future you want to grow, the retirement you hope to enjoy, and the legacy you want to leave behind. By forming that connection, our team can offer you customized, well-balanced solutions that are open to evolution as your life changes. We leverage our century of wisdom in the financial space with our knowledge of modern financial solutions to provide guidance in a wide variety of areas. There are no one-size-fits-all solutions with Sagient. Contact Us Asset Management It’s never too early to secure your future. No matter your current assets, risk aversions, or goals, our team can develop holistic, tax-aware asset management strategies that help you expand your savings, acquire new sources of wealth, and protect yourself and your family or business when it matters most. 01 Insurance Plan for the unexpected now. Our team sits down with you to evaluate life, disability, and long-term care insurance plans, guiding you toward the strongest fit for your current needs. 02 Estate Planning Ensure you’re in charge of your legacy. Our estate planning is an ongoing process. After forming a connection with our team, they’ll always be available to walk you through various options, refresh your plan as your life expands or tax strategies change, and help you feel confident in the decisions you make to determine your legacy. 03 Retirement Planning A brighter future starts with a plan. As our team gets to know you, we’ll come up with a strategy that helps you weather the unexpected, receive the care you deserve as you age, and enjoy your golden years exactly how you’d like. 04 Business Planning You don’t have to run your business alone. From cash flow management to scaling and beyond, you can always turn to our team for holistic guidance that helps your business grow. 05 Executive Benefits Protect your business by protecting your employees. Our team analyzes your needs against their best-in-class industry knowledge—and stays partnered with you once plans are implemented—to help you effectively and affordably provide comprehensive benefits to your team. 06 Contact us to get started with your customized solution. Whether you are focused on one of the above areas or are looking for comprehensive guidance, our team offers a customized, cohesive solution designed to improve your overall financial health and set you up for success. Get Started Today Recognized as a Great Place to Work® (2026–2027) Solutions Our Philosophy Join Us Our Team Contact Us Licensing Connect with us Office: (323) 965-6300 200 N. Pacific Coast Hwy Suite 1825 El Segundo, CA 90245 © Copyright 2026 Sagient | All Rights Reserved Privacy Policy Cookie Policy Check the background of your financial professional on FINRA's BrokerCheck. The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by Dot Dash to provide information on a topic that may be of interest. Dot Dash is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. We take protecting your data and privacy very seriously. As of January 1, 2020 the Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information . Securities, investment advisory and financial planning services are offered through qualified registered representatives of MML Investors Services, LLC. Member SIPC . 200 N. Pacific Coast Hwy., #1825, El Segundo, CA 90245, Phone (323) 965-6300. Sagient operates as Sagient Insurance and Financial Services, Inc. in the State of California CRN202609-4860612 Customer Relationship Summary Our Philosophy: Knowledge is the Sagient Way | Sagient Solutions Our Philosophy Join Us Our Videos Our Team Contact Us Solutions Our Philosophy Join Us Our Videos Our Team Contact Us Customer Relationship Summary Our Philosophy We strive to strategically evolve and innovate while honoring our roots. Since our inception, we’ve seen the financial planning industry evolve, and we have built on our legacy to provide innovative solutions for financial planning, investments, insurance, retirement planning, estate planning, and employee benefits. Knowledge is the Sagient way. Our name comes from the Latin word for “those who know or perceive quickly.” We get to know our clients deeply and provide personally tailored financial guidance for a fast-changing world. We help you succeed by combining the wisdom we have earned from our heritage with innovative insights to help shape your future. Our Vision To provide holistic financial planning, delivering long-term prosperity and peace of mind for our clients across every aspect of their financial future. We work to achieve this vision by following three core principles. 01 See the whole person first Connecting with one of our team members begins with an in-depth conversation that helps us understand your financial situation in the present and your goals for the future. We keep your values front and center at all times so that we stay focused on helping you achieve meaningful results. 02 Build long-term trust To help you create a long-term financial plan, we have to earn your trust. As our relationship grows, we leverage innovative technology and our industry expertise to deliver comprehensive strategies that deliver positive outcomes for you. Our advisors never operate in silos or offer you one-off products. 03 Collaborate to build tomorrow’s wealth With Sagient, you are always in the driver’s seat. We’ll never make financial decisions for you. Instead, we work with you to create personalized, dynamic solutions that give you the confidence to secure your financial future. How Behavioral Financial Advice Differs From Traditional Approaches Behavioral financial advice differs from traditional approaches to wealth management, retirement planning and other investment strategies because of its emphasis on client behavior. Your values are the foundation of your goals. Discover them with our free Core Values Exercise and see how they can guide a more meaningful financial plan rather than solely focusing on investment performance. Because this concept is subjective rather than objective, your values can change over time, which changes the recommendations made by your advisor. The process ‌facilitates conversations that tie your values to your financial plans. As time passes and values shift, we reassess what matters to you and what influences your decisions. Discover Your Values Connect with a trusted Sagient advisor Contact Us Recognized as a Great Place to Work® (2026–2027) Solutions Our Philosophy Join Us Our Team Contact Us Licensing Connect with us Office: (323) 965-6300 200 N. Pacific Coast Hwy Suite 1825 El Segundo, CA 90245 © Copyright 2026 Sagient | All Rights Reserved Privacy Policy Cookie Policy Check the background of your financial professional on FINRA's BrokerCheck. The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by Dot Dash to provide information on a topic that may be of interest. Dot Dash is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. We take protecting your data and privacy very seriously. As of January 1, 2020 the Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information . Securities, investment advisory and financial planning services are offered through qualified registered representatives of MML Investors Services, LLC. Member SIPC . 200 N. Pacific Coast Hwy., #1825, El Segundo, CA 90245, Phone (323) 965-6300. Sagient operates as Sagient Insurance and Financial Services, Inc. in the State of California CRN202609-4860612 Customer Relationship Summary Our Team | Sagient Solutions Our Philosophy Join Us Our Videos Our Team Contact Us Solutions Our Philosophy Join Us Our Videos Our Team Contact Us Customer Relationship Summary Our Team Team Members Executive Team Senior Leadership Advisors Team Members Strategic Alliances Paul Karlitz Chief Executive Officer CLU®, ChFC®, CLTC®, LUTCF®, BFA™ CA Insurance Lic #: 0C16829 Domicile in CA Paul Karlitz Chief Executive Officer CLU®, ChFC®, CLTC®, LUTCF®, BFA™ CA Insurance Lic #: 0C16829 Domicile in CA [email protected] (323) 965-6370 Business Cell: (424) 339-0629 Paul Karlitz is the CEO of Sagient. He is responsible for the firm’s overall corporate growth strategy and financial management, as well as maintaining many of the firm’s corporate relationships. Paul is a graduate of Syracuse University. He entered the business in 1995, after two years in a family manufacturing business. His professional designations include Series 7,66 Series 24, LUTCF, and CLTC. Committed to giving back to the financial services industry and his community, Paul regularly volunteers his time with FINSECA as an Ambassador, Covenant House and the Society of Financial Services Professionals (Board Member). Paul lives in Palos Verdes Estates, CA with his wife, Jeannie, and their two sons, Lane and Jackson. Bryan Dayleg, CPA Director of Finance Bryan Dayleg, CPA Director of Finance [email protected] (323) 965-6380 Rachel Kim Director of Operations Rachel Kim Director of Operations [email protected] (323) 965-6338 Eugene M. Santiago Director of Marketing & Creative Strategy CA Insurance Lic #: 4230428 Domicile in CA Eugene M. Santiago Director of Marketing & Creative Strategy CA Insurance Lic #: 4230428 Domicile in CA [email protected] (323) 965-6412 Business Cell: (323) 827-8571 Vance Litchfield Director of Wealth Management & Financial Planning CFP®, CLU®, ChFC®, CASL®, BFA™ CA Insurance Lic # : 0E98585 Domicile in CA Vance Litchfield Director of Wealth Management & Financial Planning CFP®, CLU®, ChFC®, CASL®, BFA™ CA Insurance Lic # : 0E98585 Domicile in CA [email protected] (323) 965-6375 Business Cell: (310) 388-8071 Vance is a Certified Financial Planner with more than 20 years of experience developing high performance teams. He holds CFP, ChFC, CLU, CASL, and BFA designations and is dedicated to helping you achieve financial success. “Our ability to deliver exceptional, holistic advice to our clients is strengthened with the addition of Vance to our team,” said Paul Karlitz, CEO. “His expertise reinforces our commitment to equipping our advisors with the best possible resources.” Pete Alliegro Chief Investment Officer CFA CA Insurance Lic # : 0M59494 Domicile in CA Pete Alliegro Chief Investment Officer CFA CA Insurance Lic # : 0M59494 Domicile in CA [email protected] (323) 965-6377 Pete Alliegro joins Sagient as Chief Investment Officer, bringing over 25 years of distinguished experience in wealth management, portfolio management, and institutional investing. Most recently, he served as Director of Business Development at SteelPeak Wealth. Previously, Pete was Chief Investment Officer for The Shadden Group, a $4 billion private wealth management team at Morgan Stanley, where he oversaw all aspects of asset allocation, portfolio management, trading, and manager research across multi-asset class portfolios. A Chartered Financial Analyst (CFA) charterholder with an MBA in Finance, he has held senior portfolio management and business development roles at U.S. Trust, Research Affiliates, Nuveen Asset Management, and Wilshire Associates, consistently delivering exceptional results for high-net-worth clients, family offices, and institutional investors. Andrew Vincent Marin Director of Advanced Planning J.D.* CA Insurance Lic #: 0I26458 Domicile in CA Andrew Vincent Marin Director of Advanced Planning J.D.* CA Insurance Lic #: 0I26458 Domicile in CA [email protected] (323) 965-6480 Business Cell: (323) 827-7194 Andrew V. Marin serves as director of advanced planning. Andrew partners with closely held business owners, professionals, families, and their advice-givers to plan for overall success. He is outcome-oriented with a focus on efficiency and clarity. Andrew’s immigrant grandparents and their imparted love of country started him on the way to helping others protect their American dream: transferring estates and businesses—intact—from one generation to the next. He is also a national educator on advanced planning topics for continuing education and continuing legal education. An active board member of his church, he is a lifelong resident of Southern California. Andrew is a member of the California State Bar, U.S. District Court, Southern and Central District of California Bar Associations, and FINSECA. Andrew enjoys traveling, music, the outdoors, volunteering, and being with his wonderful family. *Andrew is licensed but not practicing on behalf of MML Investor Services, LLC or its affiliated companies. Richard Halloran New Business Director CA Insurance Lic #: 0C50198 Domicile in CA Richard Halloran New Business Director CA Insurance Lic #: 0C50198 Domicile in CA [email protected] (323) 965-6411 Rich graduated from the University of Southern California in 1992 with a B.S. in business administration. After a brief start in the business as a health insurance claims administrator, he joined the firm in 1994. He is the New Business Director for the firm. As such, he manages a team of professionals dedicated to processing the submitted insurance business with our carriers. Rich is a key member of the management team and teaches classes on underwriting life, disability, and long-term care insurance—and on creating client illustrations. Rich is married to Kim, and he is an avid sports fan living in South Bay.   Robert M. Smith Financial Services Professional Disability Income Specialist CLU®, ChFC®, CLTC®, RICP® CA Insurance Lic #: 0741819 Domicile in CA Robert M. Smith Financial Services Professional Disability Income Specialist CLU®, ChFC®, CLTC®, RICP® CA Insurance Lic #: 0741819 Domicile in CA [email protected] (323) 965-6327 Kenneth Paul Lee Vice President- Sales Irvine CA Insurance Lic #: 0M66641 Domicile in CA Kenneth Paul Lee Vice President- Sales Irvine CA Insurance Lic #: 0M66641 Domicile in CA [email protected] (949) 303-7957 Ken grew up in the small college town of Amherst, MA—the youngest of four boys. When he wasn’t around the neighborhood playing backyard football/baseball/basketball, he was playing tennis. He attended Tufts University in Boston, where he graduated with a BA in economics/business. After spending 15 years in banking in and around the five boroughs of NYC—where he was a branch manager, private client officer, and commercial real Estate lender—he gave up the corporate world to be an entrepreneur. For the next 20 years, his business endeavors took him across the country to San Diego, CA and then over to Singapore, providing him the opportunity to gain experience in retail, accounting/finance, management, training, recruiting, and restaurant operations. When both of his children decided to come back to California for college, he gladly returned to the West Coast. Restaurant consulting and owning/operating his own restaurant occupied his time for a few years, then he decided to get back into the world of personal finance. As a leader of sales teams for a major mutual insurance company, Ken has employed a blend of management systems, training, and connection with individuals to develop a creative, client-centric team. Tucker Savoye Director of Recruiting Tucker Savoye Director of Recruiting [email protected] (323) 965-6472 Arturo Unzueta Compliance Officer Arturo Unzueta Compliance Officer [email protected] (323) 965-6392 Art has been working in the financial services industry since 1996. He has worked with CitiGroup, Morgan Stanley, Smith Barney, Transamerica, and Ameriprise prior to joining our Contact | Sagient Solutions Our Philosophy Join Us Our Videos Our Team Contact Us Solutions Our Philosophy Join Us Our Videos Our Team Contact Us Customer Relationship Summary Contact Us " * " indicates required fields Name * First Last Phone * Email * How did you hear about us? Search engine Social Media (Facebook, Instagram, X) LinkedIn Our YouTube Channel / Podcasts Displayed Ad Referral from someone I know Sagient Advisor Name of Sagient Advisor What are you interested in? * Value Based Planning Wealth Management Risk Management Corporate Benefits Message Office Locations Office: (323) 965-6300 200 N. Pacific Coast Hwy Suite 1825 | El Segundo, CA 90245 El Segundo Office | Honolulu Office | Whittier Office | Alhambra Office | Irvine Office Recognized as a Great Place to Work® (2026–2027) Solutions Our Philosophy Join Us Our Team Contact Us Licensing Connect with us Office: (323) 965-6300 200 N. Pacific Coast Hwy Suite 1825 El Segundo, CA 90245 © Copyright 2026 Sagient | All Rights Reserved Privacy Policy Cookie Policy Check the background of your financial professional on FINRA's BrokerCheck. The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by Dot Dash to provide information on a topic that may be of interest. Dot Dash is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. We take protecting your data and privacy very seriously. As of January 1, 2020 the Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information . Securities, investment advisory and financial planning services are offered through qualified registered representatives of MML Investors Services, LLC. Member SIPC . 200 N. Pacific Coast Hwy., #1825, El Segundo, CA 90245, Phone (323) 965-6300. Sagient operates as Sagient Insurance and Financial Services, Inc. in the State of California CRN202609-4860612 Customer Relationship Summary Licensing | Sagient Solutions Our Philosophy Join Us Our Videos Our Team Contact Us Solutions Our Philosophy Join Us Our Videos Our Team Contact Us Customer Relationship Summary Licensing Our Financial Service Representatives combine their education in financial services with their knowledge of the ever-changing insurance industry landscape to provide you with solutions for your unique situation. All Financial Service Representatives must pass comprehensive exams to obtain a license to sell products in your state. Insurance In addition to California, our Representatives are licensed to sell insurance products in the following jurisdictions: All States except Kansas & North Dakota Securities We also have agents licensed to sell securities in all 50 states, Puerto Rico, and the Virgin Islands. Check the background of MML Investors Services, LLC on FINRA’s BrokerCheck . Securities, investment advisory and financial planning services are offered through qualified registered representatives of MML Investors Services, LLC. Member SIPC. 200 N. Pacific Coast Hwy, Suite 1825, El Segundo, CA 90245, Phone (323) 965-6300. CRN202504-2039487 Recognized as a Great Place to Work® (2026–2027) Solutions Our Philosophy Join Us Our Team Contact Us Licensing Connect with us Office: (323) 965-6300 200 N. Pacific Coast Hwy Suite 1825 El Segundo, CA 90245 © Copyright 2026 Sagient | All Rights Reserved Privacy Policy Cookie Policy Check the background of your financial professional on FINRA's BrokerCheck. The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by Dot Dash to provide information on a topic that may be of interest. Dot Dash is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. We take protecting your data and privacy very seriously. As of January 1, 2020 the Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information . Securities, investment advisory and financial planning services are offered through qualified registered representatives of MML Investors Services, LLC. Member SIPC . 200 N. Pacific Coast Hwy., #1825, El Segundo, CA 90245, Phone (323) 965-6300. Sagient operates as Sagient Insurance and Financial Services, Inc. in the State of California CRN202609-4860612 Customer Relationship Summary