# Ralph Cetrulo

> Ralph Cetrulo is a fee-only financial advisor at Sage Financial Group in West Conshohocken, Pennsylvania. Ralph focuses on estate & legacy planning, tax planning and real estate investors. Sage Financial Group reports charging a percentage of assets, fixed fees and performance-based fees on its Form ADV.

Page: https://find.wellspent.co/advisors/ralph-cetrulo/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Sage Financial Group
- **Based in:** West Conshohocken, Pennsylvania
- **Fee model (firm's Form ADV):** Percentage of assets; Fixed fees; Performance-based fees
- **Assets under management (firm):** $4.29B across 4,334 accounts
- **Specialties:** Estate & legacy planning, Tax planning, Real estate investors, Family wealth transfer
- **Works with:** Ultra high net worth
- **CRD:** 4057338 (https://adviserinfo.sec.gov/individual/summary/4057338)
- **SEC registration:** Investment adviser representative in DE, PA
- **Exams passed:** Series 66 (1999)
- **Firm size:** 28 employees
- **Disclosures:** None reported
- **Website:** http://www.sagefinancial.com

## Frequently asked questions

### Is Ralph Cetrulo a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Ralph holds no broker registration, and Sage Financial Group reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Ralph charge for financial advice?

Ralph's firm, Sage Financial Group, reports charging a percentage of assets, fixed fees and performance-based fees on its SEC Form ADV.

### Where is Ralph Cetrulo based?

Ralph Cetrulo is based in West Conshohocken, Pennsylvania.

### What does Ralph specialize in?

Ralph's specialties include estate & legacy planning, tax planning, real estate investors and family wealth transfer. Ralph works with ultra high net worth.

### Is Ralph Cetrulo registered with the SEC?

Yes. Ralph Cetrulo is registered as an investment adviser representative in DE and PA (CRD 4057338), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Sage Financial Group manage?

Sage Financial Group reports $4.29B across 4,334 accounts in assets under management.

### How do I contact Ralph Cetrulo?

Through Ralph's website, www.sagefinancial.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/4057338): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://www.sagefinancial.com/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.