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The Armstrong Team

Comprehensive Planning. Coordinated Strategy. Confident Living.

The Armstrong Team at Sage Rutty & Company is dedicated to delivering comprehensive financial guidance through a disciplined and integrated approach. Led by Zachary Armstrong, CFP®, the team provides high-level advisory services designed to help individuals, families, and business owners achieve long-term financial success with clarity and confidence.

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Since joining Sage Rutty in 2013, Zach has built a practice centered on trust, transparency, and education. His CERTIFIED FINANCIAL PLANNER® designation, combined with extensive experience in investment management, retirement planning, and insurance strategy, enables him to deliver sophisticated, personalized solutions tailored to each client’s unique goals and values.

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The Armstrong Team’s collaborative approach integrates investment management, retirement income planning, tax-efficient strategies, risk management, and legacy planning. By coordinating all facets of their clients’ financial lives, the team ensures that each plan is both comprehensive and cohesive—supporting financial independence today and across generations.

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The team is committed to servicing clients to the highest professional standard, providing proactive communication, responsive guidance, and consistent follow-through. Each client relationship is treated as a long-term partnership built on trust, discretion, and a deep understanding of what financial security truly means. Whether helping to design multi-generational trust strategies, coordinating with estate attorneys, or developing tax-smart withdrawal and gifting plans, the Armstrong Team works diligently to align every decision with the client’s long-term vision and values.

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Their philosophy is simple yet steadfast: exceptional service and thoughtful planning create the foundation for lasting wealth and enduring relationships. Through precision, integrity, and care, the Armstrong Team delivers a level of attention and expertise that reflects Sage Rutty’s century-long commitment to helping clients create and preserve wealth for generations.

The Armstrong Team's Integrated Services

  • Retirement Planning

  • Investment Advice

  • Investment Strategy

  • Tax Planning

  • Nursing Care Planning

  • Insurance Planning

  • Health Care Planning

  • Social Security Planning

  • College Savings Planning

  • Cyber Security

  • Estate Planning

  • Legacy Planning

Specialty:
Advanced Tax Savings Strategies

  • Inheritance protection from “The Secure Act”
     

  • Roth IRA Conversions
     

  • Qualified Charitable Distributions
     

  • Custom investment location across accounts
     

  • Potential realization of gains at 0% federal tax

Specialty:
Socially Responsible Investing

  • Making sure your investments align with your values
     

  • “Environmental, Social, and Governance “ evaluation
     

  • Your ethics and morals can be reflected in your investment

Specialty:
Tax
Efficient
Investing

  • Reducing capital gains taxes owed
     

  • Reducing the taxable portion of interest
     

  • Position accounts for tax free growth if available
     

  • Investing for tax friendly inheritance

Specialty:
Trust, Estate
& Legacy Planning 

  • Help make sure your estate plan is in order
     

  • Prevent legal and financial pitfalls
     

  • Creating strategies to save money on nursing care
     

  • Maximizing charitable giving strategies
     

  • Beneficiary Review an coordination

Sage Rutty University Workshops

Education is Important.  Come meet the team, and expand your financial knowledge.

2025 Tax Law Changes: Seize the Opportunities

The 2025 tax law changes introduced new rules that could significantly affect how individuals plan for and manage their finances in retirement. Understanding these changes is an important step in making informed decisions about your long-term financial strategy.

 

In this educational seminar, Zachary Armstrong, CFP®, will review the most notable provisions of the new tax laws and explain how they may interact with areas such as retirement withdrawals, investment income, and estate considerations. We will also discuss the role of proactive tax planning in helping individuals adapt to a changing tax landscape.

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The session will highlight a range of planning considerations, including Required Minimum Distributions (RMDs), capital gains, and charitable giving strategies. Attendees will learn how tax law changes can influence their financial picture and gain insights to help guide conversations with tax and financial professionals.

Protecting Your Assets From The Nursing Home

The average cost of a nursing care stay in Monroe County is now exceeding $200,000 per year, a staggering figure that can quickly erode even the most diligently saved nest egg. With the ever-rising costs of long-term care, failing to have a comprehensive plan in place could lead to a significant depletion of your hard-earned dollars, potentially leaving you and your loved ones in a vulnerable financial position.

 

This seminar, led by Financial Advisor Zachary Armstrong, CFP®, is designed to equip you with the knowledge and tools necessary to safeguard your financial future against the high costs of nursing care. We will delve into the various financial and legal strategies available to help protect your wealth, including techniques for asset protection, insurance options, and legal instruments that can help ensure your money is used wisely and efficiently.

 

Throughout this session, you’ll gain valuable insights into how proactive planning can preserve your assets, allowing you to maintain your quality of life and meet your long-term financial goals. We’ll also explore the potential pitfalls of not planning adequately, helping you understand the importance of taking action before it’s too late.

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Meet The Armstrong Team

Education is Important.  Come meet the team, and expand your financial knowledge.

The More You Know

Interested in learning more about Cyber Security and Socially Responsible Investing? Explore of what The Armstrong Team has to say about these important financial topics.

Get in Touch

Education is Important.  Come meet the team, and expand your financial knowledge.

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Highland Staffing 401k

As your dedicated 401(k) advisor, Zach Armstrong, CFP®, and the Armstrong Team are here to help you understand your retirement benefits, make informed investment choices, and stay on track toward your long-term goals.
Watch the video below for an overview of your Highland Staffing 401(k) plan and how we can help you make the most of it.

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