Expert Asset Management Services & Solutions

Asset management focuses specifically on the construction, monitoring, and optimization of your investment portfolio to pursue growth while managing risk. Financial planning is broader—it integrates asset management with retirement income strategies, tax planning, estate coordination, and legacy goals. At Sentinel, we deliver both: portfolios engineered using modern portfolio theory and comprehensive plans that ensure every account, withdrawal, and investment decision works together to support your long-term objectives.

Every portfolio begins with a personalized Investment Policy Statement that reflects your investment goals, income needs, tax situation, and risk tolerance. We apply modern portfolio theory to eliminate unsystematic risk through global diversification, allocating across asset classes to balance the PRIME risks: Purchasing Power, Reinvestment, Interest Rate, Market, and Exchange. Portfolios are stress-tested against historical bear markets and inflationary periods, then monitored continuously for style drift and rebalancing opportunities to stay aligned with your evolving needs.

PRIME is our systematic approach to identifying and managing the five core risks inherent in every investment portfolio: Purchasing Power risk (inflation eroding value), Reinvestment risk (changing rates affecting future returns), Interest Rate risk (bond price fluctuations), Market risk (volatility), and Exchange risk (currency fluctuations). By deliberately diversifying across global asset classes and account types, we aim to minimize unsystematic risks while strategically managing the systematic risks that can't be eliminated, ensuring your portfolio is resilient through changing economic conditions.

We manage your assets across three tax categories—taxable, tax-deferred, and tax-free—as one unified ecosystem. Our advisors coordinate strategic Roth conversions, tax-loss harvesting, multi-account withdrawal sequencing, and Qualified Charitable Distributions to minimize your lifetime tax liability. Every withdrawal, sale, and investment is analyzed to ensure income is drawn from the most efficient source each year, aligned with current IRS rules. The goal is to help your wealth work smarter, last longer, and support more of what you value.

Our asset management service includes personalized portfolio construction based on your goals and risk tolerance, continuous monitoring for style drift and rebalancing opportunities, tax-efficient account coordination across taxable and retirement accounts, and stress-testing against historical market conditions. You also receive a documented Investment Policy Statement, quarterly performance reviews, and proactive adjustments as your life circumstances or market conditions change. We integrate asset management with broader financial planning, retirement income strategies, estate coordination, and tax management for a truly comprehensive approach.

We monitor your portfolio continuously for style drift, market shifts, and opportunities for tax-loss harvesting or rebalancing. Formal portfolio reviews occur quarterly, with detailed performance analysis and written commentary. Rebalancing is triggered by pre-defined thresholds in your Investment Policy Statement or when life events—such as retirement, inheritance, or a major purchase—require strategic adjustments. Our goal is to keep your portfolio aligned with your objectives without overtrading, ensuring tax efficiency and disciplined adherence to your long-term plan.

We manage a full range of account types including individual and joint taxable brokerage accounts, traditional and Roth IRAs, SEP and SIMPLE IRAs, 401(k) rollovers, inherited IRAs, trust accounts, and custodial accounts. We also coordinate planning for employer-sponsored retirement plans where direct management isn't possible. By overseeing assets across all three tax categories—taxable, tax-deferred, and tax-free—we ensure withdrawals, conversions, and distributions are sequenced to minimize lifetime tax liability and support your income needs efficiently.

Our fees are asset-based and transparent, typically structured as a percentage of assets under management. This aligns our interests directly with yours—when your portfolio grows, we succeed together. Fees cover comprehensive asset management, including portfolio construction, continuous monitoring, rebalancing, tax coordination, quarterly reviews, and access to our advisory team. We provide a clear fee schedule during your initial consultation, with no hidden costs or commissions. Our fiduciary duty means we're legally obligated to act in your best interest at all times.