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Build a Better 401(k) Plan for Your Business

Sage Rutty is a full-service 401(k) advisor serving businesses in Western New York. Locally owned and operated since 1915.

Not a business owner?

Click here for personal financial planning.

Talk to an advisor today for a free plan review.

Our Approach to 401(k) Advising

From plan design and fiduciary oversight, to employee engagement, Sage Rutty helps you keep more, save more and limit your liabilities. Here’s how we work:

Limit Your Liabilities

Sage Rutty helps you navigate the complex fiduciary process, to better understand regulations and achieve full compliance.

Educate Employees

We provide 1-on-1 advising and in-person education to simplify the investment process and increase plan participation.

Empower Your HR Team

Sage Rutty provides complete plan management: Employee onboarding, fiduciary expertise and much more.



A CEFEX Certified 401(k) Advisor

We strive to help you get more from your company-sponsored 401(k) plan. Here’s how: Sage Rutty acts as a co-fiduciary, providing guidance to ensure you offer quality investments, meet obligations and limit costs.

We take this process seriously. Sage Rutty is a Centre for Fiduciary Excellence (CEFEX) certified firm, one of just six in New York State. As a CEFEX Certified partner, we adhere to the highest industry standards and regularly undergo audits to ensure compliance. 


Are Your 401(k) Fees Reasonable?


Empower Your Employees

Maximizing employee participation is essential to a successful retirement plan. Want to boost enrollment? Sage Rutty specializes in helping businesses increase and grow participation.

How? We demystify the investment process for your employees and provide hands-on support. Through in-person enrollment, 1-to-1 advising, and complimentary financial planning, we help your employees understand the importance of investing in their futures.


Leverage Our 401(k) Management Expertise

Setting up and running a 401(k) program can be overwhelming. Let us be your 401(k) specialist. The Sage Rutty Team helps HR departments deliver 401(k) programs without having to worry about the details.

We call it HR Made Easy. Our team manages all the details like eligibility tracking, rollover, employee advising, enrollment and disclosures, to make your life easier and help your program run smoothly.

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How We Help

Why Sage Rutty?

Why Sage Rutty?

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What Our Clients Say

"I just finished 401(k) compliance testing. All employees were added and termed; nothing was missing. Your diligence made my job so much easier. Thank you!"

Katie H.

HR Administrator

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