Retirement & Cashflow Planning
Document cash needs and use AI driven insights to prepare for market volatility and unexpected expenses.
LEARN MORE
I’ve lived in Naples for nearly twenty five years, and throughout that time, I’ve dedicated my career to helping retirees and individuals over 55 years of age.
My work focuses on planning what the next 25 to 30 years might look like. While it’s easy to think retirement will stay the same, life changes—and every family’s journey is different. Some face health challenges, others need clarity on spending and making their money last.
A good way to think of what I do is: I see the potential and the opportunities for your retirement years, and can help you implement them.
Many of my clients come to me around retirement or after losing a spouse. We work together to enhance lifestyle and create a plan that brings peace of mind and a sense of direction.
Retirement can be a wonderful chapter—a chance to pursue dreams and enjoy more freedom. I help make that possible while also preparing for what’s ahead.
I also serve as a bridge between you, your finances, and your family—helping with everything from investments and taxes to life transitions, big purchases, and legacy planning.
If you're thinking about your future, I’d love to hear your story and see how I can help.
At Sentinel Wealth, we help you implement your unique and lasting legacy .
When you think about it, retirement is the beginning of a multi-decade journey of new discoveries and rewards.
With the excitement also comes the need for assurance, peace of mind, and knowing that the path you have chartered is secure.
We help retirees and widows create certainty around their lifestyle and financial outcomes.
Our goal is that you live each day knowing that you have all the bases covered, that you don't have to worry about the financial future.
We prepare plans that leave nothing to chance, we answer every question.
We bring total peace of mind that as the years roll by, you will have what you need, and can continue building your best life.
As you transition from your saving years to your spending years, you may find yourself uncertain.
If you have suffered a loss in your family of the person who managed the financial tasks, uncertainty can lead to fear.
Planning and action eliminates worry and apprehension, and that is exactly what we will do for you.
Through the work we do together, we will simulate every possibility.
Health changes, spending needs, changes in circumstance or needs for in-home care.
Our work will show you that even if we run into a possible problem, we can find a solution to continue your lifestyle and your legacy.
Planning is about solving problems, not avoiding them.
In our practice, we talk about what lifestyle you want to live and what your daily life should look like. We are focused on the outcomes.
Retirement is like taking a trip. You want to see the sights and experience the great food and fun. Having a knowledgeable travel guide helps to smooth the voyage.
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.
Sometimes we may think that needing assistance is a sign of weakness. It is not.
It shows that you are a capable manager, the same person your family has depended on all of these years.
You did not retire so you could watch the stock market all day. Its time to get out there. To do all of the things you dreamt about.
Its time to make your mark.
Investment performance is a critical factor to your retirement plan. Give us your instructions and your expectations.
We will work everyday to make sure we meet them.
Take a deep dive into our firm and learn more about the benefits of having a family office working for you and your family.
Click the button below to download immediately, no email or contact information is required.
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
In this complimentary white paper, we explore common mistakes and misconceptions retirees make when estate planning.
Click the button below to download immediately, no email or contact information is required.
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. We begin our relationship by spending many hours simply getting to know you, your history, your family, and your goals and dreams. We believe we have not earned the right to provide advice about your money until we know you and your needs in detail.
Our service is hyper focused on making sure you and your family have clear roadmaps of how their comfort and well being can be managed if unexpected events occur, deaths in the family, etc. We want to enhance and bolster the options you have during retirement and help you find the joy in this time of your life. Most of our work revolves around lifestyle, and how to maximize your lifestyle with the resources you have.
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. 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.
The fees use a blended rate structure, so as you invest more money with the firm, or as your investment account increases in value, the rate you pay the firm on those assets is priced at the lower rate. Our ADV form will be provided to you and those documents disclose fees in our standard tiers.
The fees are much higher (per dollar invested) in the first few tiers as that covers the financial planning, retirement planning, legacy blueprint, tax return planning and prep, and more. Once you cross $2M in assets under management, the costs and fees on additional assets are reduced considerably.
We are fee only advisors. We do not have a commission structure or any contingency based fees.
Fees are comprised of 2 different services:
If you do not need asset management and you only want Legacy BluePrint Services you can purchase that with a flat fee paid with your credit card. We do not offer stand alone asset management, you must be a Legacy BluePrint client to upgrade your plan to asset management
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.
Traditional financial planning focuses on your money. Constantly asking the question: "Do you have enough money?" We believe that is the wrong approach.
The real question should be "Given the amount of money and resources I have, what can I do with it and how do I make it everything that I need?"
This is the approach we take at Sentinel Wealth & Tax. How do we maximize our lifestyle by making smart decisions and implementing workflows and strategies that expand your life.
We are not in the asset accumulation phase anymore, this is the asset enjoyment phase. So lets figure out how to make every dollar go farther.
Lets see just how good things can get with the right partnership and advice at your disposal.
.png)
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.
