What We Do

SAM was founded with the goal of assisting its clients in every aspect of their financial lives. Our customized programs are designed to grow, protect, and conserve our clients’ wealth by delivering an unprecedented level of personalized service and expertise. The most important key to our longevity, however, is our clients’ success. For each of our clients, we strive to create the financial stability and security required for financial independence. The clients of SAM require our services, not only for quality investment proposals, but also for more important things—like the freedom to enjoy the wealth life has to offer. This is a responsibility not taken lightly by this firm. It is why SAM favors long-term performance and stability, over short-term gain.

Our clients find SAM to be firm in our beliefs and values. We stand ready to practice the virtues necessary to maintain those values. We are brutally honest: we give attention to detail, and are responsive to our client’s needs. We do what we promise for our clients.


Our Philosophy

The investment philosophy of our portfolios is based on the intersection of the use of fundamental equity analysis and technical indicators. SAM uses this philosophy to determine the risk level inherent of the current market conditions.

The strict adherence to and application of our investment philosophy helps enable us to improve your opportunity to fulfill the goals of wealth Accumulation, wealth Preservation and reduction of risk.

The overarching tenet is reduction of risk. When risk is high, Wealth preservation is emphasized. As the level of risk declines and equity valuations become more favorable, wealth accumulation becomes the main objective.

Along with these three tenets as our focus, two additional facets remain consistently important to the values of our firm:

1. Selective Client Base: Our select group of clients includes two distinct groups with which we feel we possess a proper fit.

2. Client Education: Our strength is our dedication to ensuring that our clients thoroughly understand the investment decisions presented before them. We spend extensive time and effort educating our client as to the rationale behind the recommendations that we make. It is our goal to instill in our clients a working knowledge of the decisions presented to them. The most expensive education is the ones made from life’s mistakes. You don’t know what you don’t know…

Our Process

Our Clients are taken through a five-step process in order to ensure that we have covered all aspects of their financial welfare.

Risk management:
Our real expertise lies in the area of risk management. We specialize in minimizing the investment risks of our clients. Although no one can guarantee against loss, there are key steps that can be taken to help mitigate losses. In addition to managing this within your portfolios, we will also do this for your daily living. For instance, although our firm does not handle property and casualty insurance, we will make recommendations concerning coverage amounts, based on income, net worth, and future earnings potential. Our clients can then take these suggestions to their agent for further discussions.
Investment Planning:
This process involves the total evaluation of our clients’ investment portfolios. We will make recommendations based on your total portfolio. We will also provide research information on each investment decision if you so desire. Our goal is to make sure that your portfolio is properly allocated to help minimize risk. Along with asset allocation we will invest in the sectors of the economy exhibiting the highest “relative strength”. Within these “high relative strength” sectors, we will seek to invest only in those individual investments that hold the highest probability of providing the returns you desire with the least amount of risk necessary to pursing those returns. Your portfolio is then monitored on a daily basis for continued progress towards these goals.
Tax Planning:
Although our firm does not prepare tax returns, we will work to arrange your portfolios and finances in order to lower your tax burden. Most people overpay on their taxes, without realizing that there are actions that can be taken today to minimize your future tax costs. Our firm constantly monitors changing tax laws and how new tax legislation will apply to our clients’ portfolios.
Estate Planning:
While we are not attorneys, we do have relationships’ with some of the best in CT and work with them in order to design an estate plan that complements your financial objectives. Our firm and the lawyers involved will monitor the constantly changing legal landscape, and keep you advised as to any changes that might be needed.
Legacy Planning:
This final process is used to bring the other four steps together into a focused strategy. Legacy planning involves the constant monitoring and updating of your finances due to tax law changes, changes in the economy, the stock markets, interest rate environments, and geo-political situations. One of the most important aspects of Legacy Planning is to work with our clients’ heirs in order to ensure continued overall financial success for the whole family.

 


Asset Allocation does not insure a profit or protect against a loss.

We Provide assistance in the following areas

 

Financial Planning

  • Retirement Plans
  • Tax Plans
  • 401(k) Planning
  • 403(b) Planning
  • College Plans
  • Estate Plans
  • Money Purchasing Plans
  • Profit Sharing Plans

Investments

  • Bonds
  • Common Stock
  • Mutual Funds
  • ETFs
  • Educational IRA
  • Traditional IRA
  • Roth IRA
  • SEP IRA
  • Simple IRA
  • Brokerage Accounts
  • Treasury Bills
  • Government Securities
  • Treasury Notes
  • Variable Annuity

Insurance

  • Disability Income Insurance
  • Life Insurance
  • Long-Term-Care Insurance
 

Meet The Team

  • William Warner, Managing Member - Sentinel Asset Management, LLC.
    William Warner MSFS, CFP®, CDFA™, ChFC, CFS, RFC, LUTCF Managing Member 203-793-0707 phone 203-793-0705 fax Will@SAM-RIA.com   William Warner works as a financial adviser consultant, primarily […]
  • Michael Higgins Vice President, Planning and Development 203-793-0707 phone 203-793-0705 fax mike@sam-ria.com   Prior to joining his long-time friend of over 30 year, Will Warner, at […]
  • Kevin Laragy Vice President, Operations 203-793-0707 phone 203-793-0705 fax kevin@sam-ria.com   Kevin has been teaching and writing behavioral plans since 1992. He learned his goal, of […]
  • Lynn Brainerd Office Manager 203-793-0707 phone 203-793-0705 fax Lynn@SAM-RIA.com     Lynn Brainerd has 34 years’ experience in the education and technology fields.  Her passion is […]
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