Customer Relationship Summary

Form ADV-CRS

Sagewell Investment Advisors, LLC

August 30, 2022

*Introduction*	Sagewell Investment Advisors, LLC (“SIA” “we” or “our”) is registered as an investment adviser with the SEC. Brokerage and investment advisory services and fees differ, and it is important for you to understand these differences. Free and simple tools are available to research firms and financial professionals at Investor.gov/CRS, which also provides educational materials about broker-dealers, investment advisers, and investing.
*What investment services and advice can you provide me?*	SIA offers software-based investment advisory services to retail investors (“clients’) in the U.S. through a subscription program available through our mobile and desktop apps. We provide options for managing retirement assets through technology which enables clients to invest in a selection of model portfolios based on individual goals. The model portfolios, including the securities underlying the model, will be constructed and maintained by SIA. The models and the securities underlying the models will be recommended on the basis of the relevant risk tolerance, diversification, income, and life stage needs of the client based on your responses to a client profile questionnaire. We do not have discretionary authority to make investments on your behalf. For additional information regarding our services, please see Sagewell Investment Advisors, LLC’s Form ADV Part 2A, which is available on the SEC’s IAPD database at https://adviserinfo.sec.gov/ *CONVERSATION STARTERS:* Ask your financial professional: o “Given my financial situation, should I choose an investment advisory service? Why or why not?” o “How will you choose investments to recommend to me?” o “What is your relevant experience, including your licenses, education and other qualifications? What do these qualifications mean?”
*What fees will I pay?*	SIA anticipates charging a flat-fee to clients for access to the investment management services. The maximum fee is $360 per year. This fee is inclusive of all brokerage and transaction fees associated with the investing and rebalancing of the account. The management fee will be charged monthly in advance at a rate of 1/12 the total fee agreed with each client. We reserve the right to negotiate fees with individual clients and may offer incentives or discounts to clients based on specific factors, such as the size of the investment, the length of the relationship, the client’s engagement with SIA’s affiliates, etc. We also charge a “custody fee” to all clients equal to the actual cost of an annual audit of the account by a PCAOB registered accountant. We do not charge a termination fee. We do not charge a performance fee. Clients will also be responsible for certain fees and expenses charged by DriveWealth, LLC (“DriveWealth”), a registered broker-dealer with the SEC, including return check and wire fees, telephone assisted trading fees, fees for hard copy trade confirmations and account statements, tax document fees, all charges associated with electronic asset transfers into or out of the accounts, among others. You will pay fees and costs whether you make or lose money on your investments. Fees and costs will reduce any amount of money you make on your investments over time. Please make sure you understand what fees and costs you are paying. For additional information regarding our fees, please see Sagewell Investment Advisors, LLC’s Form ADV Part 2A, which is available on the SEC’s IAPD database at https://adviserinfo.sec.gov/ *CONVERSATION STARTERS:* Ask your financial professional: o “Help me understand how these fees and costs might affect my investments. If I give you $10,000 to invest, how much will go to fees and costs, and how much will be invested for me?”
*What are your legal obligations to me when acting as my investment adviser? How else does your firm make money and what conflicts of interest do you have?*	When we act as your investment adviser, we have to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates some conflicts with your interests. You should understand and ask us about these conflicts because they can affect the investment advice we provide you. An example to help you understand what this means includes that the way we make money, a subscription fee, is not tied to your overall performance. For additional information regarding our conflicts of interest, please see Sagewell Investment Advisors, LLC’s Form ADV Part 2A, which is available on the SEC’s IAPD database at https://adviserinfo.sec.gov/ *CONVERSATION STARTERS:* Ask your financial professional: o “How might your conflicts of interest affect me, and how will you address them?”
*How do your financial professionals make money?*	Our financial professionals receive a salary and bonus from SIA based on their job performance and the performance of SIA.
*Do you or your financial professionals have legal or disciplinary history?*	No. Neither SIA nor its financial professionals have reportable legal or disciplinary events. Visit https://www.investor.gov/CRS for a free and simple search tool to research SIA and our financial professionals. *CONVERSATION STARTERS:* Ask your financial professional: o “As a financial professional, do you have any disciplinary history? For what type of conduct?”
*Additional Information*	For additional information about our investment advisory services, please see Sagewell Investment Advisors, LLC’s Form ADV Part 2A, which is available on the SEC’s IAPD database at https://adviserinfo.sec.gov/ If you would like additional, up to date information or a copy of this relationship summary, please call (617)-397-3764. *CONVERSATION STARTERS:* Ask your financial professional: o “Who is my primary contact person? Is he or she a representative of an investment advisor? Who can I talk to if I have concerns about how this person is treating me?”