# EDGAR Filing Document

**Accession Number:** 0001762086
**File Stem:** 0001762086-23-000001
**Filing Date:** 2023-1
**Character Count:** 7720
**Document Hash:** df32b3cf014ff9b5a57323c7fc672f14
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001762086-23-000001.hdr.sgml**: 20230120

**ACCESSION NUMBER**: 0001762086-23-000001

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230120

**DATE AS OF CHANGE**: 20230120

**EFFECTIVENESS DATE**: 20230120

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Sage Financial Management Group, Inc.
- **CENTRAL INDEX KEY:** 0001762086
- **IRS NUMBER:** 208574983
- **STATE OF INCORPORATION:** VA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-20594
- **FILM NUMBER:** 23539394

**BUSINESS ADDRESS:**
- **STREET 1:** 1320 OLD CHAIN BRIDGE ROAD, SUITE 250
- **CITY:** MCLEAN
- **STATE:** VA
- **ZIP:** 22101
- **BUSINESS PHONE:** 7039927650

**MAIL ADDRESS:**
- **STREET 1:** 1320 OLD CHAIN BRIDGE ROAD, SUITE 250
- **CITY:** MCLEAN
- **STATE:** VA
- **ZIP:** 22101

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** Sage Financial Management Group Inc.<br>**Address:** 1320 OLD CHAIN BRIDGE ROAD SUITE 250<br>MCLEAN, VA 22101

**Form 13F File Number:** 028-20594

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Ashleigh Swayze<br>**Title:** Counsel<br>**Phone:** 6463953900

**Signature, Place, and Date of Signing:**

Ashleigh Swayze  Newtown, PA  01-20-2023<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 41

**Form 13F Information Table Value Total:** $143129

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| APPLE INC | COM | 037833100 |  | 510 | 3928 | SH |  | SOLE |  | 0 | 0 | 3928 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 552 | 9438 | SH |  | SOLE |  | 0 | 0 | 9438 |
| ISHARES TR | CORE S ETF | 464287200 |  | 207 | 540 | SH |  | SOLE |  | 0 | 0 | 540 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 413 | 6123 | SH |  | SOLE |  | 0 | 0 | 6123 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 6266 | 95460 | SH |  | SOLE |  | 0 | 0 | 95460 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 261 | 6884 | SH |  | SOLE |  | 0 | 0 | 6884 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 368 | 1520 | SH |  | SOLE |  | 0 | 0 | 1520 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 1153 | 10931 | SH |  | SOLE |  | 0 | 0 | 10931 |
| ISHARES TR | MSCI KLD400 SOC | 464288570 |  | 297 | 4137 | SH |  | SOLE |  | 0 | 0 | 4137 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 2338 | 24709 | SH |  | SOLE |  | 0 | 0 | 24709 |
| ISHARES TR | S SML 600 GWT | 464287887 |  | 215 | 1992 | SH |  | SOLE |  | 0 | 0 | 1992 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 1091 | 10467 | SH |  | SOLE |  | 0 | 0 | 10467 |
| ISHARES TR | CORE S US GWT | 464287671 |  | 604 | 7406 | SH |  | SOLE |  | 0 | 0 | 7406 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 465 | 2635 | SH |  | SOLE |  | 0 | 0 | 2635 |
| MICROSOFT CORP | COM | 594918104 |  | 341 | 1422 | SH |  | SOLE |  | 0 | 0 | 1422 |
| PEPSICO INC | COM | 713448108 |  | 240 | 1330 | SH |  | SOLE |  | 0 | 0 | 1330 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 6563 | 203743 | SH |  | SOLE |  | 0 | 0 | 203743 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 10653 | 191746 | SH |  | SOLE |  | 0 | 0 | 191746 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 3552 | 47024 | SH |  | SOLE |  | 0 | 0 | 47024 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 5575 | 84978 | SH |  | SOLE |  | 0 | 0 | 84978 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 25730 | 569880 | SH |  | SOLE |  | 0 | 0 | 569880 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 3507 | 86561 | SH |  | SOLE |  | 0 | 0 | 86561 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 |  | 1825 | 39985 | SH |  | SOLE |  | 0 | 0 | 39985 |
| SCHWAB STRATEGIC TR | SCHWAB FDT US BM | 808524789 |  | 568 | 10800 | SH |  | SOLE |  | 0 | 0 | 10800 |
| SELECT SECTOR SPDR TR | SBI CONS STPLS | 81369Y308 |  | 398 | 5333 | SH |  | SOLE |  | 0 | 0 | 5333 |
| SHERWIN WILLIAMS CO | COM | 824348106 |  | 1111 | 4683 | SH |  | SOLE |  | 0 | 0 | 4683 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 446 | 1166 | SH |  | SOLE |  | 0 | 0 | 1166 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 |  | 2059 | 4649 | SH |  | SOLE |  | 0 | 0 | 4649 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 |  | 257 | 466 | SH |  | SOLE |  | 0 | 0 | 466 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 9472 | 125821 | SH |  | SOLE |  | 0 | 0 | 125821 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 12581 | 169280 | SH |  | SOLE |  | 0 | 0 | 169280 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 2024 | 42674 | SH |  | SOLE |  | 0 | 0 | 42674 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 471 | 2210 | SH |  | SOLE |  | 0 | 0 | 2210 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 4225 | 24252 | SH |  | SOLE |  | 0 | 0 | 24252 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 212 | 1334 | SH |  | SOLE |  | 0 | 0 | 1334 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 7518 | 21398 | SH |  | SOLE |  | 0 | 0 | 21398 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 446 | 3180 | SH |  | SOLE |  | 0 | 0 | 3180 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 11370 | 226769 | SH |  | SOLE |  | 0 | 0 | 226769 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 8294 | 177567 | SH |  | SOLE |  | 0 | 0 | 177567 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 2230 | 38575 | SH |  | SOLE |  | 0 | 0 | 38575 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 6721 | 62113 | SH |  | SOLE |  | 0 | 0 | 62113 |

---