Invest Smarter, Pay Less in Taxes, Keep More of Your Retirement Wealth.
We combine professional investment management with integrated tax planning — including daily tax-loss harvesting, direct indexing, and zero-cost trading — to help retirees keep more of what they’ve earned.
If you’d like to see how these strategies could improve your after-tax results, schedule a short conversation with our team.
Want to see what it is like to be a client of the firm? Every Friday we send our clients a market update about what we are watching in the markets, politics, and more.
You will receive the same emails as our current clients. Those emails do not contain ads or promotions, it is not marketing material but rather our real, weekly communications with paying clients.
Direct indexing gives retirees:
■ Market exposure similar to an index
■ Hundreds of harvestable tax lots
■ Control over gains during withdrawals
■ The ability to remove industries or concentrated positions
■ Better long-term tax efficiency
■ This is the modern way to invest in retirement.
Daily harvesting means:
■ More captured losses
■ More tax savings
■ More money compounding in your portfolio
To illustrate the impact tax management can have, Altruist reviewed a five-year backtest (January 2020–May 2025) comparing two identical portfolios:
▶︎ A Tax-Managed Direct Indexing Portfolio using daily tax-loss harvesting and tax-aware rebalancing
▶︎ A Traditional Buy-and-Hold Portfolio tracking the same U.S. Large-Cap index
Even though both portfolios held the same underlying companies, the tax-managed portfolio produced meaningfully higher after-tax returns over the period.
The Result:The tax-managed strategy outperformed by approximately +1.4% annually (after-tax).
On a $1 million portfolio, that translated into roughly $170,000 more after-tax value over five years — without taking on more market risk. That difference compounds significantly over a full retirement.
This is why Sentinel Wealth & Tax integrates daily tax-loss harvesting, smart rebalancing, and in-house tax preparation into one coordinated system: taxes are often the largest expense retirees face.
Important Disclosures
The performance information shown is based on a hypothetical backtest and does not represent actual client results or live accounts. Backtested performance has inherent limitations. It is created with the benefit of hindsight and may not reflect the impact of material economic or market factors. Actual returns may differ substantially. The backtest compared a tax-managed direct indexing portfolio to a non-tax-managed portfolio using the same underlying U.S. Large-Cap equity exposure over the period from January 2020 to May 2025. Trading costs, market-impact costs, and certain fees were not included. Results assume the ability to realize losses fully, which may not occur in real accounts due to wash sale rules, timing differences, or client-specific tax circumstances. Tax-loss harvesting benefits vary over time and may be lower in years with fewer market pullbacks. Future tax savings are not guaranteed. Sentinel Wealth & Tax does not guarantee that any strategy will be successful or that tax-loss harvesting will result in improved after-tax performance. Past performance — whether actual or hypothetical — is not indicative of future results. Clients should consult a qualified tax professional regarding their personal tax situation. Sentinel Wealth & Tax provides integrated tax preparation and investment management, but does not represent that the illustrated performance will be achieved in any individual account.
In this complimentary white paper, we explore common mistakes and misconceptions retirees make when estate planning.
Click the button below to download immediately, no email or contact information is required.
Retirees face a unique combination of tax challenges — and opportunities — that make tax-efficient investing far more impactful than during working years.
Our tax-integrated investment approach helps retirees reduce taxes by coordinating:
This is how retirees reduce taxes — not by guessing, but through deliberate planning that keeps more of their wealth working for them.
We review your current investments, tax return, income needs, and long-term goals.Your portfolio is designed for efficiency — and customized to your tax situation.
We monitor your accounts every trading day, capturing losses and reducing drift.Zero-cost trading allows us to harvest losses frequently and intelligently.
When you need income, we sell the most tax-efficient assets — not just the easiest ones.Withdrawals are coordinated with your RMDs, Social Security, and tax brackets.
We prepare your tax return and review it with you to identify opportunities for next year.Your investment and tax plan stay aligned every year.
Click below to schedule a complimentary meeting with us to hear about what we can do for you
Schedule A Complimentary Meeting
Sentinel Wealth, with your input, will develop an investment strategy that seeks to achieve your particular investment goals and objectives.
Our advisors will develop a strategic asset allocation that is targeted to meet you investment objectives, time horizon, financial situation and tolerance for risk.
We will develop a portfolio for you that is intended to meet the stated goals and objectives. We manage different portfolios and the construction may consist of blending allocations to two or more portfolios
We will provide investment management and ongoing oversight and rebalancing of your investment portfolio as needed.
We will provide monthly reports to your secure client portal that consists of performance data, and all activity in the accounts for the month. In person reviews are also conducted on a routine basis.
Many of our clients use a blend of these portfolios as determined by risk tolerance. New clients will complete a questionnaire that aids us in the customized construction of portfolios for each client’s individual needs.
The Core Equity Model seeks to grow assets through investment in individual stocks with very strong fundamentals and mostly large cap holdings.
This is a moderately aggressive portfolio.
Investor type is moderately aggressive. A moderately aggressive investor values reducing risks and enhancing returns but would like exposure to some of the more aggressive holdings and is willing to take on modest risks to do so.
A moderately aggressive investor may endure periods of loss of principal and lower degree of liquidity in exchange for long-term appreciation.
The Fixed Income Model seeks to grow assets through investment in fixed income holdings, preferred stocks, and bonds with strong dividends or other types of distributions to stakeholders
Investor type is conservative. A conservative investor values protecting principal over seeking appreciation. This investor is comfortable accepting lower returns for more liquidity and/or stability
Typically, a conservative investor primarily seeks to minimize risk and loss of principal.
