Sentinel Financial Planning, LLC

Sentinel Financial Planning serves individuals, families and high‑net‑worth clients, managing roughly $5.15 million across a small client base. The firm offers discretionary portfolio management alongside a full suite of financial planning services, including retirement planning, tax and estate planning, college savings, business planning, and insurance reviews.

The firm develops individualized investment policy statements and implements portfolios using a mix of approaches — fundamental analysis plus technical, cyclical and charting techniques — while also employing passive index funds and ETFs where appropriate. Clients receive ongoing monitoring and quarterly account reviews, and financial planning is offered as an ongoing subscription service as well as in one‑time, limited‑scope, and hourly formats.

Noteworthy features include a subscription‑style comprehensive planning engagement with an upfront onboarding component, explicit prorated refund policies if work is terminated before completion, and multiple fixed‑fee planning alternatives. The firm states it receives no third‑party compensation, generally recommends Charles Schwab as custodian while allowing client choice, does not provide separate written investment reports to managed accounts, and the lead advisor holds CFP certification and an M.S. in Financial Planning while maintaining an insurance license that is not used to sell products to clients.