Retirement Income Specialists

Now, a lot of people make the mistake of thinking that, in retirement, what they really need is a “certain amount of money”. I can't retire until I have a quarter of a million bucks. Maybe you think you need a half million. Maybe you think it's a million. Maybe you think it's 3 million. It doesn't matter what you think it is. I don't want you to think about how much money you think you need, how much money in your nest egg you think you need. You need to be thinking about income in retirement. Income is what will allow you to accomplish your goals. Income is what you need to accomplish your goals. Does that make sense? Focus on your income in retirement because that's how you accomplish everything you want to accomplish. See, when your parents and grandparents' generation retired, this is what their retirement looked like. They knew that between their pension and Social Security, they were going to get taken care of. Now, when our generation retires, our retirement doesn't look anything like that, does it? We may get a third from Social Security, but pensions are below 18% in our society they're falling as a Retirement percentage of retirement. The part of the pie that's growing the fastest is earnings, which is another way of saying people are doing what in retirement? Working. I don't consider those two congruent. It's okay to work in retirement if you want to but not because you have to.

You see guys, in retirement, your focus has to be on income, right? Income is everything in retirement, because that's how you accomplish your goals, isn't it? If you have that monthly check coming in every single month. Here's your check to accomplish your goals. Here's your check to accomplish your goals. You can do whatever you want can't you? That's what you need is the income, right?

According to Harvard, over 90-95% of the people have no written retirement financial plan at all. That doesn’t surprise me. I know that to be true. But what surprises me is that the very small percentage who do have a written retirement financial plan have an incorrect plan. Or, said another way, Harvard found that the people who had a written plan were still taking too much risk for the returns they’re getting.

Once you remove all your unnecessary risk, you mitigate and control the remaining risk in your portfolio. You then build your retirement financial plan on the four cornerstones of retirement financial planning, and those four cornerstones are: Income, income, income, and income.

Schedule a no obligation meeting in our Wallingford office or attend one of our Financial planning advanced courses today. Call us at (203) 793-0707 to set up your appointment or reserve a spot in one of our advanced courses. Our seminars fill up fast. Confirm your reservation today!

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Investment portfolios we offer

Logical Invest Country Rotation Strategy
The Country Rotation Strategy (CRS) is a strategy created by and offered by Sentinel Asset Management, LLC. It seeks to add geographic diversity through the rotation of a wide variety of individual countries ETFs by blending the mix of risk adjusted growth. This strategy offers significant non-US global exposure and allows for the harvesting of returns from those outperforming countries even in a sideways market. The strategy uses momentum and relative strength indicators to choose between countries. When risk is high, it invests in fixed income ETF's. The strategy pursues a rule-based investment process that allocates between Long Duration Bonds and the four top ranked countries or regions to try to achieve an optimal risk/return profile.
Logical Invest Global Sector Strategy
The Global Sector Strategy is a strategy created by Logical Invest and offered by Sentinel Asset Management, LLC. The strategy is based on seeking an optimum allocation between the Global Equity Sectors and Long Duration Treasuries market. Equity Sectors present well defined, long lasting cycles along the overall economic cyclical development of global markets, therefore allowing the strategy to receive returns from the outperforming sectors even as the market goes sideways. Simultaneously, the strategy benefits from the long-term inverse correlation between equity markets and long duration bonds while capturing value from the money flows into safe havens of US treasuries in crisis times.
Logical Invest Sleep Well Bond Strategy
The Sleep Well Bond Strategy is a bond rotation strategy licensed by and offered by Sentinel Asset Management LLC. that seeks, through optimum allocation, to achieve superior returns while attempting to offer a risk profile like that of the broader based US bond market. The strategy pursues a rule-based investment process that uses ETF's to allocate between long term US treasuries, High Yield Corporate Bonds, Emerging Market Bonds and Convertible bonds to try to achieve the appropriate risk/return profile so that the allocation among the asset classes is optimized. Cross correlation and volatility of asset classes are accounted for to try to achieve lower overall portfolio volatility. The strategy is designed as an all-weather, diversified, multi-asset strategy generating optimal performance while attempting to mitigate downside risk.
High Yield Corporate Bond Strategy
The High Yield Corporate Bond Strategy (HYCB) uses a blend of High Yield Corporate Bond mutual funds and/or ETF's overlaid with sell triggers designed to attempt to minimize downside risk. This strategy seeks to take advantage of the well-documented return premium available in the High Yield Corporate Bond universe while attempting to minimize drawdowns through security-specific risk tolerance limits. Specifically, each security is subject to a stop loss designed to prevent prolonged downturns.
Foundation Strategy
The Foundation Strategy attempts to emulate, as best as possible, the diversified investment style practiced by leading endowments, specifically that of Yale University. The strategy invests in ETF's designed to track the performance of large domestic stocks, large foreign stocks, 10-Year Treasury Notes, the Goldman Sachs Commodity Index, and the NAREIT Real Estate Investment Trust Index. Each asset class is separately graded on a technical score designed to move into bonds when that asset class is in a prolonged downturn
Strategic Enhanced Bond Strategy
The Strategic Enhanced Bond Strategy (SEB) is an asset allocation strategy that combines conservative intermediate-term and inflation-protected bond funds with Sentinel Asset Management LLC's fourth quarter "prime period" trades. The strategy determines, in advance, when to be invested in bond funds and when to be invested in equities. The investment components of the strategy are: Jan 1 to late-October: 70% intermediate-term bond funds/ 30% inflation protected Treasury bonds (TIPS); late-October to Dec. 31: 40% intermediate-term bond funds plus three prime period trades using the S&P 500 index leveraged by 100%. Investors should be aware that the use of leveraged funds in the fourth quarter of each year increases the risk and volatility of the equity component of the strategy.
US Prime Dividend Strategy
The U.S. Prime Dividend Strategy invests in leading American dividend paying stocks and/or ETF's to expose the investor to companies with increasing, sustainable dividend payouts. The strategy employs an intermediate tactical overlay in order to determine when the strategy should have a bullish or bearish stance. When the strategy has a bullish stance, it is fully invested in an array of American dividend paying stocks and/or ETF's. When it is in a bearish stance, it is invested in an ETF designed to track the Barclays Capital US Intermediate Aggregate Bond index.
Strategic Mid-Cap Strategy
The Strategic Mid-Cap Strategy (SMC) is a strategy which seeks to exploit two seasonal influences on the stock market. These seasonal forces have historically “skewed” returns in certain months of the year and specific sub-periods in the final three months of the year. Each year, the SMC Strategy holds an S&P Mid Cap 400 Index ETF from late-October to the end of May and then invests in intermediate-term bond ETF's from June to late October. During the third and fourth quarters of each year, the strategy raises the leverage of the midcap exposure by 100% during certain sub-periods totaling less than 25 days. These sub-periods are influenced by end-of-month and holiday seasonal forces.
Strategic Hedged Income Strategy
The Strategic Hedged Income Strategy (SHI)attempts to maintain a conservative, diversified portfolio of ETF's that strives to protect your assets on the downside while attempting to achieve consistent and steady growth on the upside. This diversified portfolio invests in instruments designed to track the performance of Spot Gold, T-bills, 10-Year Treasury Notes, 30-year Treasury Bonds, and the NAREIT Real Estate Investment Trust Index. Economic Cycle Strategy: By utilizing employment and housing indicators in a manner unique to Sentinel Asset Management LLC., The Economic Cycle Strategy attempts to mitigate the downside risk associated with investing in the stock market. When employment and housing indicators are bullish, this strategy is long the US equity markets using various equity instruments. When the indicators are bearish, the strategy invests in instruments that attempt to track the Barclays Capital US Intermediate Aggregate Bond Index.
International Prime Dividend Strategy
The International Prime Dividend Strategy invests in leading foreign dividend stocks or ETF's designed to expose the investor to foreign equities that show continually increasing, sustainable, dividend payouts. The strategy employs an intermediate term tactical overlay in order to determine whether to be in a bullish or defensive posture. When in a bullish posture, the strategy is invested in European dividend stocks and/or ETF's. When bearish, the strategy invests in an ETF approximating the Barclays Pan European Aggregate bond index.
Value Discount Strategy
The Value Discount Strategy is a relative value strategy applied to tradable asset class proxies. The Strategy uses ETF's to invest in Stocks, Treasury Bonds, Corporate Bonds, or cash. The strategy chooses which asset class to invest in by examining which is the most undervalued compared to the equity risk premium for stocks, the credit risk premium for corporate bonds, and the term risk premium for treasury bonds. If no asset class is undervalued the strategy invests in cash.

Sentinel Asset Management, LLC. holds seminars and workshops to educate the public on different types of investments and the different services they offer.

Investing in mutual funds involves risk, including possible loss of principal. An investment in Exchange Traded Funds (ETF), structured as a mutual fund or unit investment trust, involves the risk of losing money and should be considered as part of an overall program, not a complete investment program. An investment in ETFs involves additional risks such as not diversified, price volatility, competitive industry pressure, international political and economic developments, possible trading halts, and index tracking errors. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.