About Sentinel Wealth Management · San Diego
Sentinel Wealth Management, LLC is a fee-only financial advisory firm based in San Diego, California, that serves individuals and small organizations with unbiased, fiduciary-standard planning. The firm follows the CFP® Board of Standards Processes and Procedures, designing plans around each client's goals and risk tolerance rather than product commissions. Its mission is to deliver 'mathematical fact-based finance advice' guided by the principle of 'Doing What Is Right' — ethically and analytically — covering investments, taxes, retirement, insurance, estate, and budgeting topics for clients at every net-worth level.
Sentinel Wealth Management, LLC operates out of San Diego, California, and identifies itself as a fee-only financial practice that places clients' best interests first. The firm positions itself around mathematical, fact-based planning built on scholarly research and analytics, and it advises individuals as well as small organizations — not limiting service to high-net-worth households. Topics covered include Financial Statement Preparation and Analysis, Cash Flow and Budget Analysis, Insurance Planning and Risk Management, Employee Benefits Planning, Investment Planning, Income Tax Planning, Retirement Planning, and Estate Planning. The firm adheres to the CFP® Board's processes and procedures, holding itself to a fiduciary standard so recommendations are supported by objective data and calculations. Public directory listings describe Sentinel Wealth Management as an investment management company and financial planner, with a long-standing office presence in San Diego (historically at 7801 Mission Center Court, Suite 101, and more recently at 7710 Balboa Avenue, Suite 212C). The team uses CFP®-aligned planning software and analytical tools, and offers guidance on saving, planning, and investing for growth to anyone with the potential to save for the future, regardless of net worth.
- Owner
- Mark Joseph (per third-party testimonial referencing 'Mark Joseph and his team')
- Serves
- San Diego, California (serving individuals and small organizations; based locally and able to work with clients by appointment)
About Sentinel Wealth Management
Sentinel Wealth Management, LLC is a San Diego-based, fee-only financial advisory firm whose stated mission is to provide 'mathematical fact-based finance advice' under the guiding principle of 'Doing What Is Right' — ethically and analytically. The firm serves both individuals and small organizations, and deliberately opens its planning services to anyone with the potential to save for the future, regardless of net worth. Its practice categories are listed in public directories as investment management company and financial planner.
- Fee-only fiduciary financial professionals
- Based in San Diego, California
- Serves individuals and small organizations
- Mission: 'Doing What Is Right' — ethically and analytically
Investment Management & Risk Planning
Sentinel specializes in providing investment and risk-management product advice for individuals and small organizations. The firm's investment approach emphasizes diversified, goal-aligned portfolios built around each client's risk tolerance and time horizon, supported by objective data, scholarly research, and analytics rather than product sales incentives.
- Investment Planning
- Investment and risk management product advice
- Goal-aligned, diversified portfolios
Retirement & Tax Planning
Retirement planning and income tax planning are core offerings. The firm designs accumulation and distribution strategies that are coordinated with the broader financial picture so clients can move toward retirement with clarity and tax efficiency. Tax considerations are woven into investment, retirement, and estate decisions rather than being treated as a separate, once-a-year exercise.
- Retirement Planning
- Income Tax Planning
- Tax-aware accumulation and distribution strategy
Estate & Insurance Planning
Sentinel addresses the protection side of a financial life through estate planning and insurance planning/risk management. Plans cover the orderly transfer of assets, beneficiary alignment, and risk-mitigation through appropriate insurance coverage so that unexpected events do not derail long-term goals.
- Estate Planning
- Insurance Planning and Risk Management
Everyday Financial Foundations
Beyond investments, the firm helps clients build the day-to-day financial discipline that supports larger goals. This includes preparing and analyzing financial statements, building realistic budgets, managing cash flow, and optimizing employee benefits — the foundational pieces that make investment and retirement strategies actually work.
- Financial Statement Preparation and Analysis
- Cash Flow and Budget Analysis
- Employee Benefits Planning
How Sentinel Works: The Fiduciary, Fee-Only Difference
The firm follows the CFP® Board of Standards Processes and Procedures for unbiased, objective advice, with a stated commitment to the fiduciary standard. Because Sentinel is fee-only, advisors are compensated by the client rather than by product commissions, which the firm says keeps recommendations aligned with the client's best interests. Advice is anchored to market facts, scholarly research, and analytics rather than sales targets.
- CFP® Board-aligned planning process
- Fiduciary standard
- Fee-only compensation model
- Fact-based, analytics-driven recommendations
Office, Hours & Contact
Sentinel Wealth Management is located in San Diego, California. Public directory listings show the firm at 7710 Balboa Avenue, Suite 212C, San Diego, CA 92111 (with an earlier address at 7801 Mission Center Court, Suite 101). Office hours are Monday through Friday, 9:00 AM to 5:00 PM, and the firm can be reached by phone at (619) 674-7904 or through its website at sentinel-financial.com. The firm's social presence listed in directories includes the Twitter/X handle @sentinelfinance.
- Address: 7710 Balboa Ave, Suite 212C, San Diego, CA 92111
- Phone: (619) 674-7904
- Hours: Mon–Fri, 9:00 AM – 5:00 PM
- Website: sentinel-financial.com
- Twitter: @sentinelfinance