Retirement Income Planning
Retirement Planning Financial Advisor for Your Next Chapter
Sentinel Asset Management helps you turn savings into a retirement income plan, with tax, risk and estate planning handled in one place.
- 2,000+ clients guided into retirement
- Income plans built across all three tax buckets
- Offices in Maryland and Connecticut, 5 in total
100+ years of combined advisory experience across 5 offices.
Prefer to talk? Call 203-793-0707
Request a retirement planning conversation
Tell us a little about your situation. An advisor will reach out to set up a time to talk.
What you get from working with Sentinel
A plan for steady income
We design structured withdrawal buckets so your paycheck in retirement comes from a clear plan, not guesswork.
Tax-aware withdrawals
We sequence withdrawals across taxable, tax-deferred and tax-free accounts and model Roth conversions and charitable giving.
Portfolios built on theory and testing
Every portfolio follows an Investment Policy Statement and is stress-tested under different market conditions.
Risk you can name
Our PRIME framework covers purchasing power, reinvestment, interest rate, market and exchange risk, plus longevity.
Estate and legacy included
We review titling, beneficiary designations, wills and trusts, and work alongside your estate attorney when needed.
Advisors you can sit with
Five offices, with locations in Bethesda and Rockville, Maryland and across Connecticut.
How we plan retirement income
Retirement changes the job of your money. Instead of adding to savings, you start drawing from it. We build a plan that coordinates your investments, your withdrawals and your tax picture so each piece supports the others.
Our asset management is rooted in modern portfolio theory and the work of Harry Markowitz, using deliberate global diversification. Plans are stress-tested against historical bear markets, recessions and inflationary periods, and adjusted as your life changes.
- Structured withdrawal buckets for near-term cash flow and longer-horizon growth
- Sequencing across taxable, tax-deferred and tax-free accounts
- Roth conversions, tax-loss harvesting and Qualified Charitable Distributions
- Investment Policy Statement for every client portfolio, monitored for style drift
- Attention to sequence-of-returns risk and longevity risk
- Estate review: account titling, beneficiary designations, wills and trusts
- Legacy planning, including staged inheritance structures for heirs
- Specialized planning for families with special needs and for people going through divorce
What happens next
You send the form
Share your timeline and a few details about your retirement goals. There is no obligation.
We talk it through
An advisor calls to learn about your accounts, income needs, tax situation and family priorities.
You see a plan outline
We walk you through how your income, withdrawals, taxes and estate documents could fit together.
Frequently asked questions
What does a retirement planning financial advisor do here?
At Sentinel, advisors build a retirement income plan: structured withdrawals, portfolio allocation with an Investment Policy Statement, tax sequencing, risk planning and estate review, coordinated as one plan.
Where do you work with clients?
We have offices in Bethesda and Rockville, Maryland and in Fairfield, Middletown and West Haven, Connecticut. We also serve clients in Florida, Massachusetts, Maine, North Carolina, New Jersey, Pennsylvania and Rhode Island.
What does it cost?
Fees depend on the scope of planning and assets involved, so we review that with you before you commit to anything. Our Retirement Income Course is complimentary with no cost to attend.
Do you handle taxes and legal documents too?
We handle tax management planning such as Roth conversions and withdrawal sequencing, but we do not prepare tax returns. We focus on the parts of estate planning that do not require a lawyer and work alongside estate attorneys for wills and trusts.
Can I learn more before booking a call?
Yes. We run a complimentary, no-obligation Retirement Income Course at universities and community centers in Maryland and Connecticut. Sessions are educational only and typically hold 12 spaces.
I have a family member with special needs. Can you help?
Yes. We have 25 years of experience working with families with special needs and support 20+ families long term, coordinating with attorneys and care planners when required.
Start your retirement income conversation
Tell us where you are in your timeline. An advisor from Sentinel Asset Management will reach out to talk through your options. No obligation.
- 2,000+ clients guided into retirement
- Income plans built across all three tax buckets
- Offices in Maryland and Connecticut, 5 in total
Prefer to talk? Call 203-793-0707