Retirement Income & Tax Planning
Tax Efficient Retirement Income Planning for Your Next Chapter
Sentinel Asset Management coordinates withdrawals across your taxable, tax-deferred and tax-free accounts, including Roth conversion planning.
- Withdrawal sequencing across all three account types
- Roth conversions modeled against current IRS rules
- 2,000+ clients guided into retirement
100+ years of combined advisory experience across 5 offices.
Prefer to talk? Call 203-793-0707
Request a retirement income planning review
Tell us a little about your situation and an advisor will follow up.
What tax-aware income planning looks like
One plan across three tax buckets
We look at your taxable, tax-deferred and tax-free accounts as one plan, so income is drawn from a sensible source each year.
Roth conversion planning
We model Roth conversions as part of your wider income and tax picture, aligned with current IRS rules.
Structured withdrawal buckets
Bucket strategies aim to cushion near-term cash flow from market swings while longer-horizon money stays invested for growth.
Stress-tested plans
Plans are tested against historical bear markets, recessions and inflationary periods so you can see how they may behave.
Coordinated with your estate plan
Titling, beneficiary designations and gifting are reviewed so your income plan and legacy plan point the same way.
Advisors near you
Five offices, with locations in Maryland and Connecticut, plus clients served across the East Coast.
How we build a tax-efficient income plan
Turning savings into income is where the tax work really starts. The order you draw from accounts, the year you convert to a Roth, and the way you give to charity all change your lifetime tax picture. Sentinel Asset Management coordinates these moving parts into one plan instead of a set of separate decisions.
Your portfolio is guided by an Investment Policy Statement and built on modern portfolio theory, with globally diversified, tax-aware model portfolios matched to your income needs, goals and tolerance for risk.
- Multi-account withdrawal sequencing across taxable, tax-deferred and tax-free money
- Roth conversion planning modeled against current IRS rules
- Tax-loss harvesting and asset location decisions
- Qualified Charitable Distributions and tax-efficient gifting strategies
- Structured withdrawal buckets for sequence-of-returns and longevity risk
- Investment Policy Statement with ongoing monitoring for style drift
- Beneficiary designation, titling and trust review alongside your estate attorney
- Serving clients in CT, MD, FL, MA, ME, NC, NJ, PA and RI
What happens after you ask
Share your situation
Send the form. We ask about your accounts, income needs and retirement timeline.
Talk with an advisor
We review your account mix, tax buckets and goals, and answer your questions with no obligation.
See a plan outline
If it is a fit, we map withdrawal sequencing, Roth conversion options and portfolio allocation for you to review.
Frequently asked questions
What does tax efficient retirement income planning include?
It covers withdrawal sequencing across taxable, tax-deferred and tax-free accounts, Roth conversion planning, tax-loss harvesting, Qualified Charitable Distributions and tax-efficient gifting, all modeled as one plan.
Do you prepare my tax return?
No. Sentinel does not provide tax return preparation or CPA accounting services. We handle the planning side and coordinate with your tax and legal professionals.
How do you decide if a Roth conversion makes sense?
We look at your full picture: account balances, income needs, other withdrawals and current IRS rules. A conversation clarifies whether and when a conversion fits your plan.
Where do you work with clients?
We serve clients in Connecticut, Maryland, Florida, Massachusetts, Maine, North Carolina, New Jersey, Pennsylvania and Rhode Island, from five offices including Bethesda, MD and Wallingford, CT.
What does it cost?
Fees depend on the scope of planning and assets involved. The first conversation carries no obligation, and we will explain how we work before you decide anything.
Can I learn more before speaking with an advisor?
Yes. Sentinel runs a complimentary Retirement Income Course at universities and community centers in Maryland and Connecticut. It is education only, with no cost and no obligation, and sessions typically hold 12 spaces.
Talk through your retirement income and tax plan
Tell us about your accounts and timeline. An advisor will walk you through withdrawal sequencing and Roth conversion options, with no obligation.
- Withdrawal sequencing across all three account types
- Roth conversions modeled against current IRS rules
- 2,000+ clients guided into retirement
Prefer to talk? Call 203-793-0707