Sentinel Wealth Management provides financial planning, portfolio management for individuals and small businesses, education planning, estate planning, insurance, and philanthropic planning. Financial planning was provided to 51–100 clients last fiscal year.
Sentinel Wealth Management reports 97 clients. They include 68 high-net-worth individuals and 29 individual clients. Of its assets, 100.0% ($389M across 356 accounts) are managed with discretion.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 30% | 5% |
| High-net-worth individuals | 70% | 95% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 29 | $19M | 4.9% | $655K |
| High-net-worth individuals | 68 | $370M | 95.1% | $5.44M |
| Total | 97 | $389M | 100% | $4.01M |
- Clients
- 29
- Regulatory AUM
- $19M
- AUM share
- 4.9%
- Avg. per client
- $655K
- Clients
- 68
- Regulatory AUM
- $370M
- AUM share
- 95.1%
- Avg. per client
- $5.44M
Total
- Clients
- 97
- Regulatory AUM
- $389M
- AUM share
- 100%
- Avg. per client
- $4.01M
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 51–100
Sentinel Wealth Management charges 0.20%–1.00% a year for its Investment Management. Each asset band is charged at its own rate. The fee is billed in advance and is not negotiable. The brochure also prices one other service, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$1M | 1.00% |
| $1M–$3M | 0.75% |
| $3M–$5M | 0.50% |
| $5M–$10M | 0.40% |
| $10M–$20M | 0.25% |
| $20M and above | 0.20% |
Fee details and sources
Other fees
- Financial Plans
- Financial plans are quoted as a fixed fee for each project, generally ranging from $0 to $20,000, due when the Engagement Agreement is signed unless otherwise negotiated.
James Joseph owns 75% or more of Sentinel Wealth Management. The leadership team of Sentinel Wealth Management includes President James Joseph. It has 3 employees, 2 of them in advisory roles.
Leadership
- James JosephPresident/Chief Compliance Officer
Investment adviser representatives
2 representatives listed in the SEC register as of 9 October 2026.
- James Mark Joseph
- Nicholas Joseph
Staff
- 3 employees
- 2 in advisory functions
- 2 state-registered reps
- Owns 75% or more of Sentinel Wealth Management, Inc.
James Joseph
Control person · since July 2002
Sentinel Wealth Management’s regulatory assets grew 1.6× from $237M (January 2021) to $389M (April 2026); clients were 97 in both filings and employees were 3 in both filings.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| April 2026 | $389M | 97 | 3 | 1 |
| May 2025 | $339M | 92 | 3 | 1 |
| March 2024 | $309M | 95 | 3 | 2 |
| March 2023 | $255M | 93 | 3 | 1 |
| July 2022 | $282M | 94 | 3 | 1 |
| January 2021 | $237M | 95 | 3 | 1 |
Besides its headquarters, Sentinel Wealth Management has 0 offices, with 1 listed address in Virginia.
Virginia · 1 listed address
- 11710 Plaza America Drive, Suite 2000, RestonHQ
Contact and registration details
- Legal name
- Sentinel Wealth Management, Inc.
- Headquarters
- 11710 Plaza America Drive, Suite 2000, Reston, VA 20190
- Website
- sentinelwealth.com
- Phone
- 703-787-5770
- SEC file
- 801-61393
- Founded
- 2002
- Structure
- Virginia corporation
- Fiscal year end
- December
Sentinel Wealth Management uses Fidelity ($373M) as custodian for its separately managed accounts. Sentinel Wealth Management does not have custody of client assets.
- FidelityFidelity Brokerage Services LLC · Boston, MA · $373M100%
At year end, Sentinel Wealth Management’s separately managed accounts were mostly in funds (73%) and stocks (25%). Its reported 13F holdings for the quarter ended 30 June 2026 total $142M across 39 positions; the largest are iShares TR (14.9%), Dimensional ETF Trust (13.0%) and American Centy ETF TR (9.3%).
What the accounts hold
- Stocks25%
- Funds73%
- Cash2%
Reported 13F holdings
- $142M
- Reported 13F value
- 39
- Positions
- 73.8%
- In the 10 largest
- +13.5%
- Value vs. prior quarter
- iShares TR · Rus 1000 ETF14.9%
- Dimensional ETF Trust · US Small Cap ETF13.0%
- American Centy ETF TR · US Large Cap Vlu9.3%
- Dimensional ETF Trust · US Small Cap Val7.5%
- Dimensional ETF Trust · Intl Core EQT MK6.6%
- Vanguard Scottsdale Fds · Vng Rus1000val5.9%
- American Centy ETF TR · Real Estate ETF4.8%
- Wisdomtree TR · EM EX St-owned4.2%
- iShares TR · Rus 2000 Val ETF4.0%
- Dimensional ETF Trust · Natl Mun BD ETF3.5%
Together, the ten largest are 73.8% of reported value.
How many clients does Sentinel Wealth Management have?
Sentinel Wealth Management has 97 clients and manages $389 million for them, as of April 2026. They include 68 high-net-worth individuals and 29 individual clients.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 27 April 2026
What services does Sentinel Wealth Management offer?
Sentinel Wealth Management provides financial planning, portfolio management for individuals and small businesses, education planning, estate planning, insurance, and philanthropic planning.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
How much does Sentinel Wealth Management charge?
Sentinel Wealth Management charges 0.20%–1.00% a year for its Investment Management. Each asset band is charged at its own rate. The fee is billed in advance and is not negotiable.
Source: SENTINEL WEALTH MANAGEMENT ADV 2A, filed 30 March 2026
Which custodians does Sentinel Wealth Management use?
Sentinel Wealth Management’s separately managed account assets are held at Fidelity Brokerage Services LLC (Boston, MA), with $373M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 27 April 2026
How many financial advisors does Sentinel Wealth Management have?
Sentinel Wealth Management has 2 investment adviser representatives registered with state securities authorities, out of 3 employees, and 2 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Sentinel Wealth Management invest in?
At the end of its last fiscal year, Sentinel Wealth Management’s separately managed accounts held 73% registered funds (mutual funds, ETFs, BDCs), 25% exchange-traded equities and 2% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Sentinel Wealth Management?
Sentinel Wealth Management’s direct owner is James Joseph (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 27 April 2026
How does Sentinel Wealth Management get paid?
Sentinel Wealth Management is paid through a percentage of assets under management and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
Is Sentinel Wealth Management registered with the SEC?
Yes, Sentinel Wealth Management has been registered with the SEC as an investment adviser since 16 August 2002. Its CRD number is 122235 and its SEC file number is 801-61393.
Source: Form ADV Part 1A, Item 1, filed 27 April 2026; IAPD firm record
How do I contact Sentinel Wealth Management?
Sentinel Wealth Management’s main office is at 11710 Plaza America Drive, Suite 2000, Reston, VA 20190. Its phone number is 703-787-5770. Its website is sentinelwealth.com.