"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 Capital, we recognize that a gap exists between the service and attention you typically receive from “big banks” and “large financial firms,” and what you actually need.

 

Pathfinder Plan

Our Pathfinder Plan is designed for ambitious professionals in their 30s and 40s who are laying the groundwork for a prosperous future. This plan focuses on building a strong financial foundation, balancing current lifestyle needs with long-term wealth accumulation. We'll work together to navigate key life events such as career advancements, home purchases, and family planning, while implementing strategies for efficient investing, risk management, and tax optimization. The Pathfinder Plan sets you on course for financial success, ensuring you're well-prepared for whatever opportunities and challenges lie ahead.

Horizon Plan

The Horizon Plan caters to individuals within a decade of retirement, helping you make the crucial transition from wealth accumulation to preservation and distribution. As retirement comes into view, we'll fine-tune your investment strategy and create a comprehensive retirement income plan. This plan addresses key concerns such as healthcare costs and Social Security maximization, ensuring you're fully prepared to embrace your retirement years with confidence. While we don't provide tax or estate planning services directly, we can refer you to trusted professionals for these specialized needs. The Horizon Plan is your roadmap to a secure and fulfilling retirement, aligning your financial resources with your vision for the future.

Summit Plan

Our Summit Plan is tailored for retirees who have reached the peak of their financial journey and are now focused on maintaining their lifestyle and preserving wealth. This comprehensive plan encompasses retirement income distribution strategies, thorough wealth preservation planning, and ongoing retirement plan updates. We'll help you navigate complex financial decisions, manage healthcare considerations, and explore investment opportunities that align with your goals. A key focus of the Summit Plan is Social Security maximization, ensuring you make the most of this crucial retirement resource. We provide regular reviews and adjustments to your retirement strategy, keeping it in sync with your changing needs and market conditions. For estate planning and tax services, we offer referrals to experienced professionals in our network. The Summit Plan is designed to provide peace of mind, allowing you to enjoy the fruits of your labor while ensuring your wealth continues to work for you.

 

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.

Screenshot 2023-08-30 at 2.05.00 PM.png