Retirement Planning & Estate Services Advisors

Yes. While estate attorneys draft legal documents, financial advisors coordinate the 98% of estate planning that involves accounts, beneficiary designations, titling, and asset location. At Sentinel, we review your taxable, tax-deferred, and tax-free accounts to ensure alignment with your estate goals, minimize taxes, and avoid probate. We collaborate with estate attorneys when trusts or complex instruments are needed, but most estate planning happens through proper account structure and coordination.

We build structured withdrawal plans coordinated across your taxable, tax-deferred, and tax-free accounts to pursue steady income throughout retirement. Each plan is guided by an Investment Policy Statement, stress-tested against historical bear markets and inflationary periods, and designed to protect against sequence-of-returns risk and longevity risk. We model multi-decade scenarios to ensure your income adapts to market conditions without depleting your principal prematurely.

It's a tax-efficient approach to drawing income from the right account at the right time. Instead of pulling from one source, we analyze your taxable accounts, IRAs, and Roth accounts to determine the optimal withdrawal sequence each year. This can include strategic Roth conversions, tax-loss harvesting, and Qualified Charitable Distributions—all aligned to minimize your lifetime tax liability and extend portfolio longevity.

We organize assets across taxable, tax-deferred, and tax-free categories and develop strategies to transition wealth efficiently between them over time. This includes reviewing beneficiary designations, titling structures, charitable giving strategies, and coordinating with estate attorneys on trusts when appropriate. The goal is to reduce unnecessary tax exposure, avoid probate, and ensure wealth transfers gracefully to heirs.

Legacy planning goes beyond leaving assets—it's about preserving values, educating heirs, and protecting family relationships. We help families design staged inheritance structures, multi-generational trusts, and educational plans that empower rather than enable. Many clients begin with a pilot—a small pool of supervised assets that allows beneficiaries to practice stewardship before full inheritance, ensuring both wealth and character endure.

We use structured withdrawal 'buckets' that insulate near-term cash flow from market fluctuations while maintaining growth-oriented allocations for longer horizons. Each portfolio is stress-tested against historical downturns, and we monitor for style drift, rebalancing opportunities, and tax-loss harvesting. When markets shift, your plan flexes without panic, ensuring income continuity and principal protection.

Yes. We've supported 20+ families with special needs for the long term, with 25 years of experience in this specialized area. Our planning is intentionally designed to coordinate with attorneys and care planners, ensuring lifelong financial support, benefit preservation, and tailored strategies that reflect each family's unique situation and goals.

We serve clients across Connecticut, Florida, Massachusetts, Maryland, Maine, North Carolina, New Jersey, Pennsylvania, and Rhode Island. With five offices across the U.S., we provide personalized support and are equipped to work with clients in multiple states, ensuring comprehensive planning regardless of location.