# EDGAR Filing Document

**Accession Number:** 0000882119
**File Stem:** 0000882119-25-000009
**Filing Date:** 2025-11
**Character Count:** 13920
**Document Hash:** c2bab9a45a3177631f248904c6973ea4
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000882119-25-000009.hdr.sgml**: 20251113

**ACCESSION NUMBER**: 0000882119-25-000009

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251113

**DATE AS OF CHANGE**: 20251113

**EFFECTIVENESS DATE**: 20251113

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** SAGE FINANCIAL GROUP INC
- **CENTRAL INDEX KEY:** 0000882119

**ORGANIZATION NAME:**
- **EIN:** 232663309
- **STATE OF INCORPORATION:** PA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-15696
- **FILM NUMBER:** 251477370

**BUSINESS ADDRESS:**
- **STREET 1:** 300 BARR HARBOR DRIVE, SUITE 200
- **STREET 2:** 5 TOWER BRIDGE
- **CITY:** W. CONSHOHOCKEN
- **STATE:** PA
- **ZIP:** 19428
- **BUSINESS PHONE:** 4843424400

**MAIL ADDRESS:**
- **STREET 1:** 300 BARR HARBOR DRIVE, SUITE 200
- **STREET 2:** 5 TOWER BRIDGE
- **CITY:** W. CONSHOHOCKEN
- **STATE:** PA
- **ZIP:** 19428

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** SAGE FINANCIAL GROUP INC                                /ADV
- **DATE OF NAME CHANGE:** 19911218

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 09-30-2025

**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 GROUP INC<br>**Address:** 300 BARR HARBOR DRIVE SUITE 200<br>5 TOWER BRIDGE<br>W. CONSHOHOCKEN, PA 19428

**Form 13F File Number:** 028-15696

**CRD Number (if applicable):** 008005392

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:** John Sion<br>**Title:** CCO<br>**Phone:** 4843424400

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

John Sion  W. Conshohocken, PA  11-13-2025<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:** 97

**Form 13F Information Table Value Total:** $1470221219

      (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 |  | 241134 | 947 | SH |  | SOLE |  | 0 | 0 | 947 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 |  | 322053 | 10263 | SH |  | SOLE |  | 0 | 0 | 10263 |
| FIDELITY MERRIMACK STR TR | TOTAL BD ETF | 316188309 |  | 500504 | 10824 | SH |  | SOLE |  | 0 | 0 | 10824 |
| GLOBAL X FDS | ARTIFICIAL ETF | 37954Y632 |  | 308589 | 6248 | SH |  | SOLE |  | 0 | 0 | 6248 |
| GOLDMAN SACHS ETF TR | JUST US LRG CP | 381430396 |  | 3988148 | 42518 | SH |  | SOLE |  | 0 | 0 | 42518 |
| INVESCO EXCH TRADED FD TR II | SR LN ETF | 46138G508 |  | 1312960 | 62731 | SH |  | SOLE |  | 0 | 0 | 62731 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 799746 | 1332 | SH |  | SOLE |  | 0 | 0 | 1332 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 476457 | 7228 | SH |  | SOLE |  | 0 | 0 | 7228 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 |  | 683098 | 15732 | SH |  | SOLE |  | 0 | 0 | 15732 |
| ISHARES INC | MSCI EMRG CHN | 46434G764 |  | 594224 | 8802 | SH |  | SOLE |  | 0 | 0 | 8802 |
| ISHARES TR | CORE 60/40 BALAN | 464289867 |  | 1327902 | 20626 | SH |  | SOLE |  | 0 | 0 | 20626 |
| ISHARES TR | CORE HIGH DV ETF | 46429B663 |  | 982209 | 8021 | SH |  | SOLE |  | 0 | 0 | 8021 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 |  | 1699006 | 20574 | SH |  | SOLE |  | 0 | 0 | 20574 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 89697975 | 1374471 | SH |  | SOLE |  | 120 | 0 | 1374351 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 68876360 | 579621 | SH |  | SOLE |  | 0 | 0 | 579621 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 2755896 | 18921 | SH |  | SOLE |  | 0 | 0 | 18921 |
| ISHARES TR | CORE S ETF | 464287200 |  | 4437327 | 6630 | SH |  | SOLE |  | 0 | 0 | 6630 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 894331 | 8921 | SH |  | SOLE |  | 0 | 0 | 8921 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 1023354 | 8986 | SH |  | SOLE |  | 0 | 0 | 8986 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 3147041 | 46396 | SH |  | SOLE |  | 0 | 0 | 46396 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 634845 | 6828 | SH |  | SOLE |  | 0 | 0 | 6828 |
| ISHARES TR | ESG AWARE MSCI | 46435U663 |  | 2078336 | 46103 | SH |  | SOLE |  | 0 | 0 | 46103 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 291200 | 2000 | SH |  | SOLE |  | 0 | 0 | 2000 |
| ISHARES TR | ESG AWR US AGRGT | 46435U549 |  | 282033 | 5872 | SH |  | SOLE |  | 0 | 0 | 5872 |
| ISHARES TR | ESG MSCI KLD 400 | 464288570 |  | 1603584 | 12732 | SH |  | SOLE |  | 0 | 0 | 12732 |
| ISHARES TR | ESG OPTIMIZED | 464288802 |  | 593970 | 4379 | SH |  | SOLE |  | 0 | 0 | 4379 |
| ISHARES TR | ESG SELECT SCRE | 46436E551 |  | 1331639 | 30368 | SH |  | SOLE |  | 0 | 0 | 30368 |
| ISHARES TR | GL CLEAN ENE ETF | 464288224 |  | 198604 | 12830 | SH |  | SOLE |  | 0 | 0 | 12830 |
| ISHARES TR | GLB INFRASTR ETF | 464288372 |  | 6914262 | 113126 | SH |  | SOLE |  | 0 | 0 | 113126 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 1294834 | 24417 | SH |  | SOLE |  | 0 | 0 | 24417 |
| ISHARES TR | MRGSTR MD CP VAL | 464288406 |  | 513601 | 6392 | SH |  | SOLE |  | 0 | 0 | 6392 |
| ISHARES TR | MSCI ACWI EX US | 464288240 |  | 6132767 | 94336 | SH |  | SOLE |  | 0 | 0 | 94336 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 492901 | 5279 | SH |  | SOLE |  | 0 | 0 | 5279 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 446207 | 4690 | SH |  | SOLE |  | 0 | 0 | 4690 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 2138639 | 20083 | SH |  | SOLE |  | 0 | 0 | 20083 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 2622685 | 7176 | SH |  | SOLE |  | 0 | 0 | 7176 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 13687890 | 29222 | SH |  | SOLE |  | 0 | 0 | 29222 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 3799619 | 18663 | SH |  | SOLE |  | 0 | 0 | 18663 |
| ISHARES TR | RUS 2000 VAL ETF | 464287630 |  | 505323 | 2858 | SH |  | SOLE |  | 0 | 0 | 2858 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 1768722 | 12420 | SH |  | SOLE |  | 0 | 0 | 12420 |
| ISHARES TR | RUS MDCP VAL ETF | 464287473 |  | 3453803 | 24728 | SH |  | SOLE |  | 0 | 0 | 24728 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 400202 | 1654 | SH |  | SOLE |  | 0 | 0 | 1654 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 680327 | 5636 | SH |  | SOLE |  | 0 | 0 | 5636 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 266251 | 1289 | SH |  | SOLE |  | 0 | 0 | 1289 |
| ISHARES TR | S MC 400GR ETF | 464287606 |  | 282780 | 2949 | SH |  | SOLE |  | 0 | 0 | 2949 |
| ISHARES TR | S MC 400VL ETF | 464287705 |  | 430703 | 3320 | SH |  | SOLE |  | 0 | 0 | 3320 |
| ISHARES TR | SHORT TREAS BD | 464288679 |  | 363513 | 3290 | SH |  | SOLE |  | 0 | 0 | 3290 |
| ISHARES TR | SP SMCP600VL ETF | 464287879 |  | 596903 | 5397 | SH |  | SOLE |  | 0 | 0 | 5397 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 3048986 | 27414 | SH |  | SOLE |  | 0 | 0 | 27414 |
| ISHARES TR | U.S. REAL ES ETF | 464287739 |  | 312695 | 3221 | SH |  | SOLE |  | 0 | 0 | 3221 |
| ISHARES TR | US REGNL BKS ETF | 464288778 |  | 530896 | 10107 | SH |  | SOLE |  | 0 | 0 | 10107 |
| J P MORGAN EXCHANGE TRADED F | INTL BD OPP ETF | 46641Q852 |  | 270450 | 5516 | SH |  | SOLE |  | 0 | 0 | 5516 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 |  | 2446801 | 48232 | SH |  | SOLE |  | 0 | 0 | 48232 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHT MUNCPL | 46641Q654 |  | 1177800 | 23076 | SH |  | SOLE |  | 0 | 0 | 23076 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 333385 | 1798 | SH |  | SOLE |  | 0 | 0 | 1798 |
| NUSHARES ETF TR | NUVEEN ESG LRGCP | 67092P201 |  | 740306 | 7444 | SH |  | SOLE |  | 0 | 0 | 7444 |
| NUSHARES ETF TR | NUVEEN ESG LRGVL | 67092P300 |  | 748434 | 17077 | SH |  | SOLE |  | 0 | 0 | 17077 |
| NUSHARES ETF TR | NUVEEN ESG SMLCP | 67092P607 |  | 314257 | 7126 | SH |  | SOLE |  | 0 | 0 | 7126 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 |  | 775870 | 23251 | SH |  | SOLE |  | 0 | 0 | 23251 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL US L | 808524771 |  | 968051 | 36808 | SH |  | SOLE |  | 0 | 0 | 36808 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 248264 | 10664 | SH |  | SOLE |  | 0 | 0 | 10664 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 459985 | 17891 | SH |  | SOLE |  | 0 | 0 | 17891 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 806975 | 29560 | SH |  | SOLE |  | 0 | 0 | 29560 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 17299831 | 542144 | SH |  | SOLE |  | 0 | 0 | 542144 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 22675865 | 778972 | SH |  | SOLE |  | 0 | 0 | 778972 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 658753962 | 25009642 | SH |  | SOLE |  | 0 | 0 | 25009642 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 28506628 | 961762 | SH |  | SOLE |  | 0 | 0 | 961762 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 19473271 | 697967 | SH |  | SOLE |  | 0 | 0 | 697967 |
| SCHWAB STRATEGIC TR | US TIPS ETF | 808524870 |  | 16640283 | 617450 | SH |  | SOLE |  | 0 | 0 | 617450 |
| SPDR DOW JONES INDL AVERAGE | UT SER 1 | 78467X109 |  | 347805 | 750 | SH |  | SOLE |  | 0 | 0 | 750 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 350138 | 985 | SH |  | SOLE |  | 0 | 0 | 985 |
| SPDR INDEX SHS FDS | MSCI ACWI EXUS | 78463X848 |  | 899924 | 25771 | SH |  | SOLE |  | 0 | 0 | 25771 |
| SPDR INDEX SHS FDS | S GBLINF ETF | 78463X855 |  | 379823 | 5458 | SH |  | SOLE |  | 0 | 0 | 5458 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 4075930 | 6118 | SH |  | SOLE |  | 0 | 0 | 6118 |
| SPDR SERIES TRUST | BLOOMBERG SHT TE | 78468R408 |  | 359194 | 14031 | SH |  | SOLE |  | 0 | 0 | 14031 |
| SPDR SERIES TRUST | S 400 MDCP GRW | 78464A821 |  | 1727280 | 18865 | SH |  | SOLE |  | 0 | 0 | 18865 |
| SPDR SERIES TRUST | S 400 MDCP VAL | 78464A839 |  | 6115622 | 73320 | SH |  | SOLE |  | 0 | 0 | 73320 |
| SPDR SERIES TRUST | S 600 SMCP GRW | 78464A201 |  | 2543328 | 26968 | SH |  | SOLE |  | 0 | 0 | 26968 |
| SPDR SERIES TRUST | S 600 SMCP VAL | 78464A300 |  | 14052815 | 158520 | SH |  | SOLE |  | 0 | 0 | 158520 |
| VANECK ETF TRUST | SEMICONDUCTR ETF | 92189F676 |  | 326360 | 1000 | SH |  | SOLE |  | 0 | 0 | 1000 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 71300907 | 148664 | SH |  | SOLE |  | 0 | 0 | 148664 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 34953701 | 113538 | SH |  | SOLE |  | 0 | 0 | 113538 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 10462522 | 35612 | SH |  | SOLE |  | 0 | 0 | 35612 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 18069289 | 103501 | SH |  | SOLE |  | 0 | 0 | 103501 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 17565473 | 59799 | SH |  | SOLE |  | 0 | 0 | 59799 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 21753731 | 237954 | SH |  | SOLE |  | 0 | 0 | 237954 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 50160888 | 81911 | SH |  | SOLE |  | 0 | 0 | 81911 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 9656589 | 46268 | SH |  | SOLE |  | 0 | 0 | 46268 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 13312165 | 52352 | SH |  | SOLE |  | 0 | 0 | 52352 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 19151390 | 64348 | SH |  | SOLE |  | 0 | 0 | 64348 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 4183356 | 12748 | SH |  | SOLE |  | 0 | 0 | 12748 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 67010576 | 359325 | SH |  | SOLE |  | 0 | 0 | 359325 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 44365117 | 621621 | SH |  | SOLE |  | 0 | 0 | 621621 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 41243811 | 761237 | SH |  | SOLE |  | 0 | 0 | 761237 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 406117 | 1882 | SH |  | SOLE |  | 0 | 0 | 1882 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 535287 | 7287 | SH |  | SOLE |  | 0 | 0 | 7287 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 504629 | 3580 | SH |  | SOLE |  | 0 | 0 | 3580 |

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