Asset Management Services — Smart Solutions

SmartAsset management refers to a disciplined, data-driven approach to building and maintaining investment portfolios designed to maximize long-term growth while minimizing unnecessary risk. At Sentinel, our asset management services are rooted in modern portfolio theory and stress-tested against real-world market conditions. We create globally diversified, tax-efficient portfolios tailored to your goals, income needs, and risk tolerance—guided by a personalized Investment Policy Statement and monitored continuously. The "smart" part is the deliberate elimination of unsystematic risk through strategic diversification, leaving only systematic risks that can be managed and planned for over time.

We begin with a comprehensive understanding of your investment goals, income needs, tax situation, and tolerance for risk. Using Nobel Prize-winning modern portfolio theory, we construct globally diversified portfolios designed to eliminate unsystematic risk through deliberate asset allocation. Every portfolio is guided by a personalized Investment Policy Statement, stress-tested under varying market conditions, and monitored continuously for style drift and rebalancing opportunities. Our approach integrates your taxable, tax-deferred, and tax-free accounts into one cohesive strategy, ensuring every decision is aligned with your long-term financial success.

PRIME is Sentinel's systematic approach to understanding and managing the five core risks inherent in any investment portfolio: Purchasing Power risk (inflation eroding value), Reinvestment risk (changing returns on reinvested income), Interest Rate risk (bond price fluctuations), Market risk (equity volatility), and Exchange risk (currency fluctuations). By deliberately diversifying across asset classes, geographies, and account types, we work to eliminate unsystematic risks unique to individual securities, leaving only these systematic risks—which can be planned for, stress-tested, and managed strategically over time to protect your financial independence.

Your portfolio is monitored continuously throughout the year for style drift, rebalancing opportunities, and alignment with your Investment Policy Statement. We conduct formal portfolio reviews at least annually, or more frequently if your financial circumstances change—such as retirement, inheritance, or a major life event. During market volatility, we proactively assess whether adjustments are warranted to maintain your strategic allocation. Our goal is not to react emotionally to market swings, but to ensure your portfolio remains disciplined, diversified, and aligned with your long-term objectives through every season.

Our fee structure is transparent and aligned with your success. Asset management fees are typically based on a percentage of assets under management, ensuring our interests are directly tied to growing and protecting your wealth. We provide a clear, written disclosure of all fees during our initial consultation, with no hidden charges or commissions. Because we operate as fiduciaries, every recommendation is made in your best interest—not ours. We believe clarity around costs is foundational to trust, and we're happy to discuss how our fee structure compares to industry standards.

Absolutely. Tax management is central to our asset management philosophy. We coordinate your taxable, tax-deferred, and tax-free accounts as one cohesive ecosystem, ensuring every withdrawal, sale, and investment decision is strategically aligned to minimize lifetime tax liability. This includes Roth conversions, tax-loss harvesting, multi-account withdrawal sequencing, and Qualified Charitable Distributions. Our advisors stay current with IRS rules and model long-term tax strategies that help your wealth work smarter, last longer, and support more of what you value—all within the framework of current tax law.

Sentinel combines the rigor of Nobel Prize-winning portfolio theory with the real-world experience of guiding over 2,000 families through retirement and legacy planning. We don't rely on market timing or speculative strategies—we build globally diversified, tax-efficient portfolios designed to endure through every market cycle. Every client receives a personalized Investment Policy Statement, continuous monitoring, and stress-testing against historical bear markets and recessions. With 100+ years of combined advisory experience and five offices across the U.S., we deliver institutional-grade portfolio management with the accessibility and personalized attention of a fiduciary partner.

Yes. While we have five offices across Connecticut and Maryland, we serve clients in nine states: Connecticut, Florida, Massachusetts, Maryland, Maine, North Carolina, New Jersey, Pennsylvania, and Rhode Island. Our team is equipped to provide comprehensive asset management, retirement planning, and legacy services remotely, with the same level of personalized attention and fiduciary care as our in-office clients. Whether you're local or in another state we serve, Sentinel is committed to delivering precision, discipline, and portfolios built to endure—wherever your life takes you.