Item 5: Fees and Compensation ....................................................................................................... 4 Item 6: Performance-Based Fees and Side-By-Side Management .............................................. 5 Item 7: Types of Clients and Minimum AUM ................................................................................... 5 Item 8: Methods of Analysis, Investment Strategies, and Risk of Loss ......................................... 6 Item 9: Disciplinary Information ........................................................................................................ 9 Item 10: Other Financial Industry Activities and Affiliations .......................................................... 9 Item 11: Code of Ethics, Participation or Interest In Client Transactions, and Personal Trading ................................................................................................................................................. 9 Item 12: Brokerage Practices ............................................................................................................ 9 Item 13: Review of Accounts .......................................................................................................... 10 Item 14: Client Referrals and Other Compensation .................................................................... 11 Item 15: Custody .............................................................................................................................. 11 Item 16: Investment Discretion ...................................................................................................... 11 Item 17: Voting Client Securities .................................................................................................... 11 Item 18: Financial Information ........................................................................................................ 11 How Sentinel Meets ERISA’s Reasonable-Contract Rule ............................................................ 12 Page 3 Sentinel ADV Part 2A Rev 2024-03-29 Advisory Firm Sentinel Wealth Management, Inc. ("Sentinel") is a Virginia corporation formed and registered as an Investment Advisory Firm in 2002. Sentinel is owned by J. Mark Joseph, CFP®, CPA, PFS, ChFC, CLU. Sentinel helps clients manage their financial lives by providing financial counsel and investment management. Sentinel has expertise in financial planning and investment management and serves a limited number of clients whose needs and philosophy mesh with Sentinel’s experience, expertise and services. Sentinel strives to provide independent and objective financial advice and investment management. Sentinel works to understand its clients’ needs and objectives through various means, including interviews and questionnaires to manage its clients’ investment portfolios accordingly. All agreements and disclosures required to be provided under the Investment Advisers Act of 1940 may be provided electronically, including amendments, notices, agreements, and all information, which supplement the client’s Engagement Agreement for all current and future client accounts. This may include, but not be limited to, investment reports, fee statements (which detail the calculation of fees), and notices and other communications or disclosures, including Sentinel’s annual offer of this Brochure. The client will provide a valid email address for such purposes. Advisory Services (1) Sentinel provides Investment Management. As of 12/31/2023, Sentinel manages $ 308,506,661of client assets on a discretionary basis. Based on a client’s investment objectives,

risk tolerance, and general financial situation, Sentinel will help the client select an appropriate asset allocation strategy and will develop an Investment Policy Statement for the client. Sentinel will then implement the asset allocation for the client, generally using no-load mutual funds and Exchange Traded Funds (“ETFs”). Services are based on the individual needs of the client, who will have the opportunity to impose reasonable restrictions on the management of client assets. The client will have the ability to leave standing instructions with Sentinel to refrain from investing in particular securities or types of securities, or invest in limited amounts of securities. Clients receive timely confirmations and at least quarterly statements from the custodian / brokerage firm, containing a description of all transactions and account activities. In addition to custodial statements, Sentinel may provide clients electronic access (e.g., online client portal) to account-related information. The client will retain rights of ownership of all securities and funds in the account(s) to the same extent as if the client held securities and funds outside the program. Quarterly, Sentinel will notify the client in writing to contact Sentinel if there have been changes in the client's financial situation or investment objectives, or to impose or modify reasonable restrictions on the management of client assets. Sentinel will also contact or attempt to contact the client at least annually on these matters. It is the client's responsibility to notify Sentinel during normal business hours when there are changes to the client’s account(s), financial situation, or investment needs. (2) Sentinel provides a Financial Plan consistent with an individual client's financial and tax status and risk/reward objectives. This service is at the client’s request. Plans may be comprehensive, or segmented based on a client’s need to focus on areas such as cash flow, investments, charitable giving, insurance, estate plans, education, and/or retirement. Plans are based on financial information disclosed by the client to Sentinel at a fixed point in time. Clients are advised that many forward- Page 4 Sentinel ADV Part 2A Rev 2024-03-29 looking assumptions go into a Financial Plan that may or may not prove to be accurate. Sentinel cannot offer guarantees or promises that a client’s financial goals and objectives will be met. Miscellaneous Retirement Rollovers Clients generally have four options to consider when transitioning from one employer to another or retiring: § Leave assets in the former employer’s plan, if permitted; § Rollover assets to the new employer’s plan, if one is available and rollovers are permitted; § Rollover assets to an Individual Retirement Account (an “IRA”); or, § Cash out assets (there may be tax consequences and/or penalties depending on client’s age). Should a client approach Sentinel for advice on which option would be the best for the client’s situation, Sentinel faces an economic incentive to recommend rolling over the retirement account to a managed IRA account with Sentinel where Sentinel would earn a management fee on the assets. This can create a potential conflict of interest. Therefore, if Sentinel recommends that a client rollover a retirement account to an individually managed IRA account, the client is free to accept or reject the recommendation and, if accepted, is under no obligation to engage Sentinel to manage the assets. The client is free to have the assets managed by another investment management firm.