About

Sage W. DeMull, PPC®

Fee-based fiduciary financial planner. Founded DeMull Financial in 2023. Based in Mt. Pleasant, Michigan. Serving clients across the state and nationwide.

In financial planning since 2015 — founded DeMull Financial in 2023 as an independent, fee-based fiduciary practice
PPC® (Professional Plan Consultant) designation — specialist training in retirement plan design, compliance, and optimization
Affiliated with LPL Financial, one of the largest independent broker-dealers in the country
Works primarily with business owners, tradespeople, professionals, and plan sponsors across Michigan and nationwide
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Sage W. DeMull, PPC® - Wealth Management Advisor
Sage W. DeMull, PPC®
Wealth Management Advisor
The Practice

Built to serve the people most advisors aren’t built for.

DeMull Financial was founded in 2023 with a specific focus: business owners, tradespeople, professionals, and plan sponsors who needed a financial advisor that understood how they actually earn, operate, and build wealth.

Most financial advisors are great at managing investments. Fewer are built to connect your business finances, tax strategy, retirement design, and personal wealth into a single coordinated plan. That’s what we do.

We operate as a fee-based fiduciary — meaning our compensation is transparent, and we’re legally required to act in your best interest. Not a product we earn a commission on, not a fund company’s preferred list. Just your best interest.

Credentials & Affiliations
PPC® — Professional Plan Consultant
Retirement plan design, compliance, fiduciary standards
LPL Financial — Independent Advisor Affiliation
Securities and advisory services through LPL Financial, Member FINRA/SIPC
Founded 2023 — Mt. Pleasant, Michigan
2625 Denison Dr., Mt. Pleasant, MI 48858  •  Mailing: PO Box 1520, Mt. Pleasant, MI 48804  •  (989) 572-0591
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Values

Three things that shape how we work with every client.

Knowledge
We invest continuously in our expertise — designations, continuing education, and staying current on tax law, retirement regulations, and investment research. You deserve an advisor who knows the landscape deeply.
Support
We’re not a phone tree. When you need something, you reach Sage directly. We build genuine, long-term relationships — not a book of clients we’re managing from a distance.
Integrity
Fee-based and fiduciary means we get paid for advice, not for selling you something. Our compensation structure eliminates conflicts of interest and keeps the relationship simple: we win when you win.
Fee Schedule

Transparent, straightforward pricing.

Fees reflect the complexity of your situation and the work required — not the size of your balance sheet. Every client pays for the advice they receive. No client subsidizes another.

Part I
Financial Planning · Flat Fee Engagements
Tier 1
The Clarity Plan
Straightforward situations · Single entity · Lower net worth
$3,000/year
Tax projection & strategy
Cash flow & savings plan
Insurance gap review
RightCapital plan delivery
90-day action plan
Tier 2 · Most Popular
The Business Wealth Blueprint
Established owner · Multiple entities · Growing complexity
$12,000/year
Everything in Tier 1
Entity & compensation review
Retirement plan optimization
Owner economic benefit analysis
Exit & succession framework
Quarterly advisory meetings
Tier 3
The Legacy Architect
High net worth · Liquidity event · Multi-entity · Generational
$20,000/year
Everything in Tier 2
Liquidity event & tax coordination
Entity restructuring strategy
Family wealth & estate planning
CPA & attorney coordination
Monthly advisory access

Annual planning fees. Ongoing financial planning retainers available starting at $500/month.

Part II
Investment Management · Annual AUM Fee

Investment management fees vary based on whether a financial planning engagement is active. Planning clients receive a reduced management fee reflecting the comprehensive advice relationship. Investment-only clients are priced at a standalone rate commensurate with the work involved.

With active planning engagement

Management LevelStrategyAnnual FeeBest For
PassiveIndex-based model portfolios. Systematic rebalancing. Low internal costs.0.10%Long-horizon accumulators; low oversight needs
ActiveFactor-tilted or actively managed models. Frequent rebalancing and monitoring.0.20%Growth-focused, moderate complexity
TacticalDynamic multi-asset allocation. Responsive to market and macro conditions.0.30%Near-retirement, income-focused, volatile environments
CustomBespoke construction. Concentrated positions, alternatives, tax overlay.0.40%High-net-worth, liquidity events, complex holdings

Investment management only (no planning engagement)

Assets Under ManagementAnnual FeeApprox. Annual FeeNotes
First $1,000,0001.25%up to $12,500Full discretionary management, quarterly reviews
Next $4,000,000 ($1M–$5M)1.00%up to $40,000Includes performance reporting & rebalancing
Over $5,000,0000.75%$7,500 per $1MInstitutional-quality portfolio construction
↳ Example: $3M portfolio (investment only)blended ~1.08%$32,500/yr$12,500 on first $1M + $20,000 on next $2M

Investment management fees are billed quarterly in arrears at the household level across all managed accounts. Management level under a planning engagement is determined by the complexity of your situation — not your account balance.

Part III
401(k) & Retirement Plan Advisory · Tiered AUM Fee
25 bps
blended rate at $10M
$25,000
total annual fee at $10M
Below Market
by design — fees scale with work, not plan size
Plan Assets (tranche)RateFee on TrancheServices Included
First $1,000,0000.75%up to $7,500Plan design, fund menu review, participant support
Next $1,000,000 ($1M–$2M)0.50%up to $5,0003(21) or 3(38) fiduciary service available
Next $3,000,000 ($2M–$5M)0.25%up to $7,500Benchmarking, fund review, plan sponsor reporting
Over $5,000,0000.10%$5,000 per $5MFull ERISA fiduciary, investment committee support
↳ Example: $10M planblended 25 bps$25,000/yr$7,500 + $5,000 + $7,500 + $5,000

Fees apply to each tranche of plan assets — not the full balance at a flat rate. Minimum annual engagement: $3,500. Fees may be deducted from plan assets or invoiced directly to the plan sponsor.

Hourly Consulting

For specific questions, second opinions, or one-time projects — available without a retainer.

$249
per hour
Billed in 30-minute increments.
Not Sure Where You Fit?

Start with a free 30-minute call. We’ll figure it out together and recommend the right engagement for your situation.

Schedule a Free Call →

Ready to work together?

Every relationship starts the same way — a free 30-minute conversation. No pitch, no pressure. Just an honest look at your situation.

Schedule a Free Call → See Our Process
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