Overall Financial Integrations
Advanced
Tax Savings Strategies
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Inheritance protection from “The Secure Act”
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Roth IRA Conversions
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Qualified Charitable Distributions
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Custom investment location across accounts
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Potential realization of gains at 0% federal tax
Socially Responsible investing
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Making sure your investments align with your values
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“Environmental, Social, and Governance “ evaluation
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Your ethics and morals can be reflected in your investment
tax
efficient
investing
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Reducing capital gains taxes owed
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Reducing the taxable portion of interest
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Position accounts for tax free growth if available
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Investing for tax friendly inheritance
trust, estate
and legacy planning
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Help make sure your estate plan is in order
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Prevent legal and financial pitfalls
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Creating strategies to save money on nursing care
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Maximizing charitable giving strategies
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Beneficiary Review an coordination
Cyber Security
Socially Responsible Investing
Read Zach's Socially Responsible Investing Guide
Zach on the news
About The Armstrong Team
Zach works with clients on numerous issues including, but not limited to, making investment recommendations, assisting with insurance needs planning, and putting a plan in place for college savings. Zach also spends much of his time specializing in providing personal retirement planning and projections for his clients. Overall, he aims to deliver solutions for all of his clients’ financial planning needs. In addition to his Certified Financial Planner® designation, Zach also holds his Series 7 and 66 licenses as well as Life, Accident, and Health Insurance. He is a graduate of the University of Rochester.
Matt joined Sage Rutty & Co. and the Armstrong Team in 2024. Previously based in New York City, he has a strong finance background with 15 years of experience working in numerous relationship management and client service roles with industry leading firms on Wall Street. Matt’s responsibilities at Sage Rutty include meeting preparation, research & data analysis, and various client reporting. He also supports and assists his team with portfolio analysis and trading. Matt currently holds his Series 7 License. In his free time, Matt enjoys golfing, playing guitar, and traveling.
Lisa joined Sage Rutty & Co. and the Armstrong Team in 2021. She comes to Sage Rutty with 20 years of experience in client focused pay roll services. Her strong customer service skills and work ethic coupled with her can-do attitude make her the perfect addition to Zach's Team. She lives in Webster, NY with her husband and enjoys spending time with her large extended family and friends.
Financial Planning Department
One of the many benefits of working with a Sage Rutty Advisor is the access you receive to our Financial Planning Department.
Led by Aaron Young, CFP®, CRPC®, CHSA®, AIF® and Vince Carson, CPA, CFP® , our Financial Planning Department provides decades of experience in the Financial Planning realm.
Free Seminars
Education is Important. Come meet the team, and expand your financial knowledge.
Protecting Your Assets From The Nursing Home
The average cost of a nursing care stay in Monroe County is approaching $300,000 per year. Without a plan, these costs can quickly drain your hard earned dollars. Join Financial Advisor, Zachary Armstrong, CFP® to learn several financial and legal strategies to protect your money and prevent your nest egg from depleting.
Lower Taxes, Amplify Retirement, Enhance Legacy
Why do most people pay more in taxes than necessary? They aren’t implementing customized tax planning techniques. Join us to learn about our strategies to reduce income taxes, Medicare premiums, and inheritance taxes. We will also take a deep dive into strategies used to minimizing RMDs, capital gains, and dividends that could help lower your taxes, amplify your retirement, and enhance your legacy.