(978) 475-2533 | (978) 852-8697
(978) 475-2533 | (978) 852-8697

Sentry Financial Planning is a full-service financial planning firm.

Our work goes far beyond selecting and managing your investments. We build, execute and manage a comprehensive plan that integrates the spectrum of your financial affairs including spending, saving, investments, taxes, insurance, estate planning and retirement. Our plans are designed to help you achieve your most important goals, including preserving financial security throughout your life. Our Ongoing Financial Planning Services allow us to work together initially to implement the plan recommendations and then on an ongoing basis throughout the year. This is what you will receive as an Ongoing Financial Planning Services client:

Cash Flow Management

Managing your cash flow intelligently is essential in building the kind of lifetime investment and spending plan required to maintain your financial security.

Retirement Planning

Most people want to maintain their pre-retirement lifestyle once they stop working. However, living in retirement requires a different set of strategies than saving for retirement.

Income Tax Planning

Proactive tax planning can yield big benefits. Less tax means more money for you to save, invest or spend.

Investment Management

Because uncertainty is a fact of life, it is crucial to have an investment strategy that is flexible enough to effectively deal with change based on your unique circumstances.

Insurance and Risk Planning

Protecting your income and assets from catastrophic financial loss that can result from illness, death or creditor lawsuits is a vital part of any financial plan.

Estate Planning

Estate planning is a fundamental part of every financial plan. Employing even the most basic strategies can yield enormous personal and economic benefits.

Considering Ongoing Financial Planning?

Here are some answers to key questions

How can I determine whether I am a good candidate for your Ongoing Financial Planning services?

Once we complete your financial plan the next step is turning it into a reality. Even the best plan is of little value unless it is executed and adjusted as economic conditions and your personal circumstances change. Most of our clients recognize that they lack the expertise, computational skills, and time to do this successfully, so they rely on us to manage the plan on an ongoing basis through our Ongoing Financial Planning services.
Only you can determine whether you are a good fit for Sentry’s Ongoing Financial Planning services. Ask yourself whether the benefits of the services we provide you exceed the cost. The following should help you make an informed decision:

  • Review the services carefully to decide if they are important to you.
  • Determine from our fee schedule the percentage you will be paying (for this example we used 0.75%).
  • Consider and answer the following questions. If you can answer “yes” to just one of these questions, our Ongoing Financial Planning services will be a good fit for you.
    • Do you think that Sentry can improve your long-term investment performance by 0.75% per year by reducing unnecessary risk, fund expenses, and taxes compared to a portfolio that you would manage yourself?
    • Do you believe that we can save you 0.75% per year in the cost of investment and tax-related mistakes we can help you avoid?
    • Do you believe that working with us to make better decisions in the other areas of your financial life and coordinating the efforts of your tax, insurance, and estate planning professionals is worth 0.75% per year?
    • Do you expect that Sentry will save you 0.75% in time, energy and worry by implementing, managing and making changes to your plan so it remains properly aligned with your financial objectives?

What is your investment philosophy?

We build each portfolio to match our client’s specific plan and their ability to handle risk. We reduce unnecessary risk, investment expenses, and taxes by creating broadly diversified portfolios consisting of low-cost, tax-efficient exchange-traded funds (ETFs) and mutual funds.

Who will hold my money and is it safe?

Sentry uses only large (e.g. TD Ameritrade, Vanguard, Schwab, or Fidelity) third party financial institutions to custody (hold) client assets. All monthly account statements and year-end tax documents are provided directly to you (via U.S. mail or online) by the financial institution.
Furthermore, Sentry never takes direct custody of your money, so your assets are controlled by you, not us. We have no authority to access client assets except to make the necessary inquiries and trades on your behalf to manage the portfolio. We take it a step further. Because we want you to be informed about how we are managing your portfolio, we will ask you to review and approve all trades before we make them. This ensures you always know how your money will be invested before it is invested.

Sentry Financial Planning does not sell insurance products, draft estate planning documents or prepare tax returns. Our advice and work with clients and their insurance, estate, and tax specialists is based on the perspective of a financial advisor. Clients should rely on the expertise of professionals in each of these areas.

Ongoing Financial Planning Fee

Investable Assets Annual Fee
First $1,000,000 .75%
Next $1,000,000 .50%
Subsequent Amounts .25%
Minimum annual fee is $4,000

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