"Finding the best person or the best organization to invest your money is one of the most important financial decisions you'll ever make." - Bill Gross

Process, not a Product.

At Sentara we recognize that a gap exists between the service and attention that you typically get with the “big banks” and “financial firms,” and what you actually need:

A portfolio built on academically-sound investing principles & real personal attention

 

Pathfinder Plan

Just getting started on your path to prosperity? No problem. We will look at your current wealth, goals, and trajectory and use Elements Money tm. to get your wealth moving. We believe everyone should be able to start investing, not just high net worth individuals.

• Personalized financial assessment.

• Two membership options to help you grow.

• Sentara Elements Money tm. management.

Horizon Plan

Your wealth is starting to grow and you're making good progress towards your goals. This is where our clients need good ol fashioned financial management. We meet regularly to keep the momentum, and we make the right moves to keep down times to a minimum.

• Personalized financial assesment. 1 annual meeting.

• Hands on investment strategy & stock picking.

• Tax Optimization strategies.

• Retirement planning.

• Wealth forecasting & Elements monitoring.

Summit Plan

You are at the summit. We have planned and executed well. Your money has been invested properly to maximize the ups and minimize the downs. We now need to keep your nest egg protected, by not slowing down. We stay abreast of the market so you can enjoy your well earned rewards. Most of our Legacy clients have been with us for decades, and have become good friends.

• Everything in the Horizon Plan

• Comprehensive estate planning.

• Personalized insurance solutions.

• 2 Annual in person meetings.

Sentara Select tm.

Sentara Select tm. is by invitation only. It is for a select few, hence the name. We determine your eligibility through a variety of metrics, age, net worth, savings rate, spending habits, credit score, and overall ambition. A three start Sentara Rating is required, and is normally unheard of in the financial market. This tier encompasses everything we do and a lot more.

• Sentara Select Membership.

 

Investing should be straight forward, easy, and enjoyable. Here’s how:

1. Discovery

It all starts with a conversation. We get to know you and how to help.

  1. We find out who you are. We ask you your personal information securely and we identify your total amount of wealth. We introduce you to Elements and categorize your specific needs as an investor.

  2. We listen to your goals. and we identify what the current pain points are.

  3. We introduce ourselves, our backgound as a firm, and our process, we then schedule an in person meeting to discuss options.

2. Onboarding

Next we take the personal step of actually meeting, whether you are in person or zoom, we want to talk with you and form a real human to human relationship. Our clients know us on a first name basis.

  1. We meet in person or on a zoom meeting.

  2. We diagnose upfront risk, and goal planning with you

  3. Then we choose a process for your money, and determine membership level.

3: Invest

Now its time to take the big step, after you trust us, we securely tansfer your funds over to our firm in a way that makes it easy.

  1. We get you secure logins of our financial tools and show you how to move your money under the Sentara umbrella.

  2. We have specifically chosen the tool Elements for portfolio monitoring. This tool allows you to always view your money an know what’s going on at a glance. Behind the scenes we use a plethora of technologies to help drive your finances forward, as well as good ol fashioned hands on money management.

4: Allocation

Based on your goals we move into the allocation phase, we manage your money into the correct investments.

  1. We look at your age and determine your allocation

  2. Allocation of funds into investments: (Based on your goals and our proprietary formulas NOT the usual Risk tolerance models,) Why? Link here to Video need.

  3. Core base of funds in ETF’s and stocks.

  4. Then we will consult on growing your wealth through your personal job, saving your money, minimizing taxes, and minimizing fees. Estate planning, Wills & Trusts, Investment planning, Retirement planning, Risk management and ins, cash flow and budgeting, income tax planning.

5: Ongoing Management

Communication is key. Ongoing management and scheduling of reviews is a cornerstone of our firm.

  1. Custom Portfolio management. WE MANAGE YOUR MONEY. Rest assured We manage your money through the ups and downs of the ever fluctuating market.

  2. Quarterly in person reviews for private wealth management clients.

  3. 500k to 1M, 2 annual reviews

  4. 500k and under, unlimited emails, and 1 annual review review. $2,500 min a year commitment.

  5. 2 in person Client Events by invitation.

  6. Quarterly clients only group advisement Q&A sessions.

  7. Anytime advisor chat within the Elements App.

  8. Ongoing market reasearch and analysis. Videos and blogs via Sentarta Capital on all topics. Monthly market analysis to proactively answer your questions about the ups and downs of the ever fluctuating market.







 Investment Philosophy

A core portfolio with a tactical overlay balances long-term stability with short-term opportunities. Here's a 5-step process for effectively managing such a portfolio:

Define Investment Objectives and Risk Tolerance:

Begin by understanding your client's financial goals, time horizon, and risk tolerance. Determine how much of the portfolio should be allocated to the core and tactical components.

Build the Core Portfolio:

The core portfolio is designed to be stable and provide long-term growth. It typically consists of diversified assets like equity and bond ETFs. The allocation should be in line with the client's long-term objectives and risk tolerance. Diversification is key to managing risk.

Develop Opportunistic (Market Opportunities) Strategies:

The opportunistic piece of the portfolio is designed to capture short-term opportunities or manage risk. This can involve more active strategies. Consider the following when developing tactical strategies:

Market Analysis: Regularly assess the financial markets to identify potential short-term opportunities or risks.
Asset Allocation: Adjust the tactical allocation based on current market conditions and client goals. For example, increase exposure to a specific sector during a perceived growth period.
Security Selection: Choose individual stocks, bonds, or other assets for the tactical component based on research and analysis.

Implement and Monitor:

Once the opportunistic strategies are defined, implement them in the portfolio. Be mindful of transaction costs, tax implications, and trading frequency. Continuously monitor the tactical positions to ensure they align with market conditions and client goals.

Risk Management: Set predefined stop-loss levels or risk management rules for tactical positions to limit potential losses.

Review and Adjust:

Periodically review the overall portfolio performance and make adjustments as necessary. Consider the following:

Reevaluate Investment Objectives: Ensure the client's financial goals and risk tolerance haven't changed.
Assess Tactical Performance: Analyze the effectiveness of tactical strategies. Adjust or replace them if they consistently underperform.
Tax Efficiency: Be mindful of tax implications when making changes to the portfolio.

Remember that communication with your client is essential throughout the process. Regularly update them on portfolio performance and discuss any changes or adjustments. A well-documented investment policy statement can also be helpful in ensuring both you and your client have a clear understanding of the portfolio's objectives and strategies.

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