Sentinel Advisory Group, LLC

Sentinel Advisory Group, LLC provides financial planning and asset management services for individuals and retirement plans, delivering portfolio management and fee-based advisory services generally billed as a percentage of assets under management. The firm also offers retirement‑plan consulting, plan participant advice, and employer HSA consulting in addition to traditional wealth management engagements.

Sentinel delivers discretionary managed accounts through Commonwealth Financial Network’s PPS Custom and PPS Select programs and describes PPS Select model portfolios as constructed using asset‑allocation principles and modern portfolio theory, with ongoing monitoring and tax‑harvesting available for personalized indexing. Advisors also offer separate fee‑for‑service planning and use third‑party research, prospectuses, and an order management system to guide portfolio construction and rebalancing.

What is noteworthy in the brochure is the firm’s clear disclosure of its use of Commonwealth‑sponsored wrap programs and related program materials (including Commonwealth’s Form ADV and wrap fee brochure) and the resulting conflicts the firm describes around platform fees, administrative‑fee discounts, and advisor payouts. The brochure also discloses advisor-level arrangements — including insurance‑licensing and the receipt of forgivable loans/compensation structures tied to Commonwealth/LPL relationships — and highlights the firm’s emphasis on employer‑focused services alongside its retail offerings.