Retirement & Cashflow Planning
Document cash needs and use AI driven insights to prepare for market volatility and unexpected expenses.
LEARN MORE
At Sentinel Wealth, our advisors help your descendents implement your legacy.
There will come a time that you or your loved one will have to chart a course without one another. We don't like to think about it, but it is inevitable.
You may have an estate plan, or trusts, and you may have talked through some of the legal issues or tax avoidance strategies that come with this transition, and that is great.
We will review your estate plan, and if you don't have one, we will help you build it.
But that is just the beginning of our work together.
We go much deeper, simulating exactly what kind of issues you are going to face. Each of you, or what your children and loved ones will face.
We prepare plans that leave nothing to chance, we answer every question. We bring total peace of mind that when change comes, you are ready. You have a plan.
Too often families wait to make preparations for the final phases of their life. This leads to surprises and painful transitions.
Its easy to put off this work, as it can be depressing thinking about death, disability, aging, and making plans for what to do in case you cannot care for yourself.
If you are a widow, you have already experienced this change, and now may find yourself uncertain and would benefit from help and friendly counsel.
Regardless of where you are in your journey, the time to start planning for the next steps is now. Don't put this off.
At Sentinel Wealth & Tax, we believe we have been called to do this work.
To help you prioritize the important milestones and to not only remember the life you have led, but to write the next chapter and continue the important work that is still left to be done.
What does tomorrow look like?
Lets find out.
We document every activity your loved ones will need to know how to perform, from banking & bill pay to turning on the pool heater.
LEARN MOREDocument cash needs and use AI driven insights to prepare for market volatility and unexpected expenses.
LEARN MORELow cost ETF investments and tax return preparation that ensures your plan is implemented correctly.
LEARN MOREClick below to schedule a complimentary meeting with us to hear about what we can do for you
Schedule A Complimentary Meeting
The firm minimum investment is $750K. Our average client has investable assets between $2M - $20M. The average total net worth of our client base has $6M - $50M in assets.
Our advantage comes from our desire to have very integrated relationships with our clients. Our team provides investment management, tax preparation and planning, estate planning, cashflow projections, transition planning, the Legacy BluePrint, and more.
Our service is hyper focused on making sure you and your family have clear roadmaps of how their comfort and lifestyle can be managed if unexpected events occur, deaths in the family, etc.
We have an average age of 38, with the intention to outlive our clients so we can see their families needs through several generations. If you are looking for a partnership for the next 30 years, you are exactly the kind of client we are hoping to serve.
We are fee only advisors. We do not have a commission structure, or any contingency based fees. We bill based on the assets we manage and oversee. Our investment management fees range from 0.25% to 2.0% of assets under management (AUM).
The specific amount you would pay at our firm is dependent on what services you select and what the total assets we manage are. As the value of assets increases, our fees as a perecentage of assets goes down.
During your exploratory meeting with our firm, we will give you a full breakdown of fees per service and you get to select from a menu of what services you would like.
We invest almost exclusively in ETF's and low cost investment vehicles. We also purchase federal and municipal bonds and from time to time individual stocks. We will also use options to hedge investments as needed and from time to time use leveraged ETF's for short term scenario based programs.
We do not try and time the market. We believe that we can accomplish any goal a client has by remaining fully invested and instead change our allocations based on economic factors.
In most cases we are moving clients to a greater or smaller allocation of stocks - bonds depending on market conditions. We also spread our equity investments out to sector spider ETFs that allow us to increase our exposure to sectors we are bullish on while minimizing our investments to sectors that are overbought.
Making and managing investments can be easy without an advisor. Where we provide value is using our analysts to determine where incremental opportunity exists. We are aware that our performance needs to not only pay for our services but provide less volatility and better outcomes than simply investing in mutual funds.
But investing is just one feature of our services. For instance, in our Legacy BluePrint Services (LBS) we spend 12 months and 5-6 meetings (each are about 90 minutes) mapping out what your spouse, children, or other family members will need to know in the event you cannot lead the household any longer.
If you become disabled or are unable to continue managing bills or the home, we plan for these possibilities and what action plans we will take at that time so that you maintain your standard of living and have the peace of mind that unforeseen events will be handled correctly and with your best interest in mind.
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We are Southwest Florida Life Planning Advisors located in Bonita Springs. Our professionals are dedicated to helping you through all of your financial life cycles. Whether you are still working and saving for retirement or retired and need to plan for the next phase, we will create a customized consciousness that will give you confidence and peace of mind about your family's future.
We understand that each and every client we serve has unique needs and goals. Our advisors will ensure you receive personalized services to help you reach them.
From portfolio creation and management, to retirement planning, budgeting and tax considerations, we are committed to helping you reach the financials goals that are important to you and your family.
Christopher Ragain began his career with KPMG, LLP in the personal financial planning department assisting ultra high net worth clients with investment selection and tax management.
In 2003 he brought his experience to SWFL with one focus in mind; help his clients achieve their goals by anticipating their needs and having a deep understanding of what matters to them most
Our core values and guiding principles compose the foundation for every relationship with our clients. We are a registered investment advisory firm that will go above and beyond our role of fiduciary to find opportunities to strengthen your financial wellness.
We believe managing wealth is more than investments, it is about ensuring a clients legacy, and peace of mind for the future.
