SENTINEL PENSION ADVISORS, LLC

WAKEFIELD, MA · CIK 1802290 · 13F filing filed 2026-07-23

SEC-registered investment adviser since 1998 · limited liability company

Assets managed$11.9bn
Staff53 · 48 in investment roles
Main clients (by assets)Pension plans 91%, High net worth individuals 7%, Individuals 3%
Form ADV · 2026-05-15SEC adviser record

Kindinstitutions
Others nearbyWakefield, MA, Troy, MI

As an employer

Offices in1 country

Where they work

people there (dot area)number not reportedmain officeHover or tap a dot. Australian and UK companies are placed at their business or registered address, with their staff across the whole country.

Offices

From Form ADV: the main office and the other offices where it does advisory work (at most the 25 largest), with the people doing investment work at each. “About” is worked out: the firm's investment staff less its other offices. Each city links to the other managers there.

City	Country	People
Wakefield, MA (main office)United States	United States	about 40
Troy, MIUnited States	United States	8

Map: places from GeoNames (CC BY 4.0), outlines from Natural Earth.

$762.3m reported value +12.7% vs Q1 2026

147positions

67.5%in top 10

13 new 78 added 46 reduced 3 sold out vs Q1 2026

Holdings, Q2 2026

The small lines show how much was held over the last 4 quarters (adjusted for stock splits).

#	Security	Ticker	Shares	Value	% of portfolio	Change	Shares change
1	BNY MELLON ETF TRUST US LRG CP CORE BKLC	BKLC	3,089,007	$146.6m19.23%	19.23%	Added +2.1m	+2,091,810 209.8%
2	SPDR S&P 500 ETF TR TR UNIT SPY	SPY	143,086	$106.4m13.95%	13.95%	Reduced -36	-36 -0.0%
3	J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF JCPB	JCPB	1,333,579	$62.1m8.15%	8.15%	Added +70.0k	+70,017 5.5%
4	BNY MELLON ETF TRUST INTERNATIONL EQT BKIE	BKIE	1,838,019	$61.1m8.01%	8.01%	Added +1.3m	+1,259,188 217.5%
5	WORLD GOLD TR SPDR GLD MINIS GLDM	GLDM	421,382	$33.5m4.39%	4.39%	Added +19.6k	+19,580 4.9%
6	SPDR SER TR PORTFLI INTRMDIT SPTI	SPTI	997,269	$28.2m3.70%	3.70%	Added +53.5k	+53,535 5.7%
7	FIDELITY COVINGTON TRUST ENHANCED LARGE FELG	FELG	481,348	$20.6m2.70%	2.70%	Added +25.2k	+25,189 5.5%
8	SSGA ACTIVE ETF TR MULT ASS RLRTN RLY	RLY	575,103	$20.5m2.69%	2.69%	Added +55.9k	+55,893 10.8%
9	VANGUARD INDEX FDS EXTEND MKT ETF VXF	VXF	84,498	$20.1m2.64%	2.64%	Added +4.5k	+4,477 5.6%
10	FIDELITY MERRIMACK STR TR TOTAL BD ETF FBND	FBND	339,398	$15.4m2.02%	2.02%	Added +10.1k	+10,082 3.1%
11	SPDR INDEX SHS FDS PORTFOLIO EMG MK SPEM	SPEM	270,378	$13.6m1.78%	1.78%	Added +14.6k	+14,630 5.7%
12	SPDR SERIES TRUST PORTFOLI S&P1500 SPTM	SPTM	136,870	$12.4m1.62%	1.62%	Reduced -8.5k	-8,548 -5.9%
13	ALPS ETF TR SMITH CORE PLUS SMTH	SMTH	481,227	$12.3m1.61%	1.61%	Added +43.6k	+43,568 9.9%
14	APPLE INC COM AAPL	AAPL	30,990	$10.3m1.36%	1.36%	Added +680	+680 2.2%
15	PIMCO ETF TR MULTISECTOR BD PYLD	PYLD	392,208	$10.3m1.35%	1.35%	Added +33.9k	+33,878 9.4%
16	SCHWAB STRATEGIC TR US LRG CAP ETF SCHX	SCHX	283,819	$8.3m1.09%	1.09%	Added +8.8k	+8,771 3.2%
17	SPDR INDEX SHS FDS PORTFOLIO DEVLPD SPDW	SPDW	166,193	$8.2m1.08%	1.08%	Reduced -199	-199 -0.1%
18	SCHWAB STRATEGIC TR INT-TRM U.S TRES SCHR	SCHR	323,780	$7.9m1.04%	1.04%	Added +15.2k	+15,190 4.9%
19	ISHARES INC MSCI CDA ETF EWC	EWC	125,550	$7.5m0.98%	0.98%	Unchanged
20	DIMENSIONAL ETF TRUST US LARGE CAP VAL DFLV	DFLV	181,231	$7.2m0.95%	0.95%	Added +12.3k	+12,333 7.3%
21	THORNBURG ETF TR INTL EQUITY ETF TXUE	TXUE	207,057	$7.2m0.94%	0.94%	Added +12.7k	+12,700 6.5%
22	ISHARES TR RUS 1000 ETF IWB	IWB	15,556	$6.3m0.83%	0.83%	New
23	PIMCO ETF TR ENHAN SHRT MA AC MINT	MINT	60,348	$6.1m0.80%	0.80%	Added +5.9k	+5,851 10.7%
24	VANGUARD INDEX FDS GROWTH ETF VUG	VUG	70,973	$6.1m0.79%	0.79%	Reduced -799	-799 -1.1%
25	LAZARD ACTIVE ETF TR INTL DYNAMIC EQT IDEQ	IDEQ	145,966	$5.0m0.65%	0.65%	Added +13.0k	+12,992 9.8%
26	AMERICAN CENTY ETF TR AVANTIS EMGMKT AVEM	AVEM	51,244	$4.6m0.60%	0.60%	Added +2.4k	+2,367 4.8%
27	ISHARES INC MSCI AUST ETF EWA	EWA	148,500	$4.3m0.56%	0.56%	Unchanged
28	ISHARES TR CORE S&P TTL STK ITOT	ITOT	26,054	$4.2m0.56%	0.56%	Reduced -3.3k	-3,328 -11.3%
29	AMERICAN CENTY ETF TR US SML CP VALU AVUV	AVUV	32,498	$4.1m0.53%	0.53%	Added +1.9k	+1,948 6.4%
30	ISHARES TR ESG AWR US AGRGT EAGG	EAGG	78,289	$3.7m0.48%	0.48%	Added +886	+886 1.1%
31	ISHARES TR CORE S&P500 ETF IVV	IVV	4,901	$3.7m0.48%	0.48%	Added +966	+966 24.6%
32	EASTERN BANKSHARES INC COM EBC	EBC	143,374	$3.3m0.43%	0.43%	Reduced -6.7k	-6,741 -4.5%
33	SCHWAB STRATEGIC TR US MID-CAP ETF SCHM	SCHM	85,594	$3.0m0.39%	0.39%	Reduced -1.3k	-1,290 -1.5%
34	WISDOMTREE TR US QTLY DIV GRT DGRW	DGRW	27,922	$2.7m0.35%	0.35%	Reduced -249	-249 -0.9%
35	FIRST TR EXCH TRADED FD III MANAGD MUN ETF FMB	FMB	51,218	$2.6m0.34%	0.34%	Added +180	+180 0.3%
36	SPDR SER TR PORTFOLIO AGRGTE SPAB	SPAB	95,660	$2.4m0.32%	0.32%	Reduced -18.7k	-18,746 -16.4%
37	BLACKROCK ETF TRUST II ISHARES FLEXIBLE BINC	BINC	45,623	$2.4m0.31%	0.31%	Added +26.2k	+26,184 134.7%
38	SPDR SERIES TRUST PORTFOLIO S&P500 SPYM	SPYM	26,974	$2.4m0.31%	0.31%	Added +3.1k	+3,132 13.1%
39	SELECT SECTOR SPDR TR TECHNOLOGY XLK	XLK	13,329	$2.3m0.31%	0.31%	Added +2	+2 0.0%
40	SPROTT PHYSICAL GOLD TR UNIT PHYS	PHYS	76,300	$2.3m0.30%	0.30%	Added +2.9k	+2,880 3.9%
41	SPDR SER TR PORTFOLIO SH TSR SPTS	SPTS	77,763	$2.3m0.30%	0.30%	Added +2.1k	+2,067 2.7%
42	VANGUARD INDEX FDS MID CAP ETF VO	VO	26,739	$2.1m0.28%	0.28%	Reduced -33	-33 -0.1%
43	BNY MELLON ETF TRUST CORE BOND ETF BKAG	BKAG	50,688	$2.1m0.28%	0.28%	Reduced -1.2k	-1,183 -2.3%
44	LISTED FDS TR SWAN HEDGED EQTY HEGD	HEGD	76,700	$2.0m0.27%	0.27%	Added +8.0k	+7,981 11.6%
45	VANGUARD INDEX FDS SML CP GRW ETF VBK	VBK	5,421	$1.9m0.25%	0.25%	Reduced -72	-72 -1.3%
46	MICROSOFT CORP COM MSFT	MSFT	4,376	$1.7m0.23%	0.23%	Added +284	+284 6.9%
47	VANECK ETF TRUST MRNGSTR WDE MOAT MOAT	MOAT	16,042	$1.7m0.22%	0.22%	Reduced -96	-96 -0.6%
48	INVESCO QQQ TR UNIT SER 1 QQQ	QQQ	2,447	$1.7m0.22%	0.22%	Added +273	+273 12.6%
49	SPDR SER TR MSCI USA STRTGIC QUS	QUS	8,712	$1.6m0.21%	0.21%	Added +31	+31 0.4%
50	ISHARES TR IBONDS DEC 27 IBMP	IBMP	60,012	$1.5m0.20%	0.20%	Added +655	+655 1.1%
51	NVIDIA CORPORATION COM NVDA	NVDA	6,812	$1.4m0.18%	0.18%	Added +3.5k	+3,545 108.5%
52	ISHARES TR IBONDS DEC 2030 IBMS	IBMS	53,112	$1.4m0.18%	0.18%	Added +5.7k	+5,705 12.0%
53	VANGUARD WORLD FD MATERIALS ETF VAW	VAW	6,114	$1.4m0.18%	0.18%	Reduced -88	-88 -1.4%
54	ISHARES TR IBONDS DEC 28 IBMQ	IBMQ	52,596	$1.3m0.18%	0.18%	Added +429	+429 0.8%
55	WISDOMTREE TR GLB US QTLY DIV DNL	DNL	29,356	$1.3m0.17%	0.17%	Reduced -22	-22 -0.1%
56	DELL TECHNOLOGIES INC CL C DELL	DELL	3,293	$1.3m0.17%	0.17%	Reduced -101	-101 -3.0%
57	ISHARES TR IBONDS DEC 2029 IBMR	IBMR	51,487	$1.3m0.17%	0.17%	Added +429	+429 0.8%
58	VANGUARD INDEX FDS REAL ESTATE ETF VNQ	VNQ	11,999	$1.2m0.16%	0.16%	Unchanged
59	SPDR GOLD TR GOLD SHS GLD	GLD	3,116	$1.1m0.15%	0.15%	Added +30	+30 1.0%
60	ALPHABET INC CAP STK CL A GOOGL	GOOGL	3,125	$1.1m0.14%	0.14%	Added +341	+341 12.2%
61	BNY MELLON ETF TRUST US MDCP CORE EQT BKMC	BKMC	26,224	$1.1m0.14%	0.14%	Added +19.0k	+18,955 260.8%
62	EXXON MOBIL CORP COM XOM	XOM	7,151	$1.1m0.14%	0.14%	New
63	FIDELITY COVINGTON TRUST BLUE CHIP GRWTH FBCG	FBCG	16,268	$975.6k0.13%	0.13%	Reduced -85	-85 -0.5%
64	VANGUARD WORLD FD MEGA CAP VAL ETF MGV	MGV	5,783	$935.9k0.12%	0.12%	Added +1.5k	+1,523 35.8%
65	BNY MELLON ETF TRUST US SMLCP CORE BKSE	BKSE	21,005	$930.5k0.12%	0.12%	Added +15.4k	+15,394 274.4%
66	INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB BSCQ	BSCQ	46,013	$900.2k0.12%	0.12%	Reduced -6.4k	-6,367 -12.2%
67	ELI LILLY & CO COM LLY	LLY	748	$882.0k0.12%	0.12%	Added +65	+65 9.5%
68	VANGUARD INDEX FDS VALUE ETF VTV	VTV	3,941	$858.7k0.11%	0.11%	Reduced -634	-634 -13.9%
69	INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB BSCR	BSCR	43,580	$856.6k0.11%	0.11%	Reduced -4.4k	-4,402 -9.2%
70	INVESCO EXCH TRD SLF IDX FD BULSHS 2026 MUNI BSMQ	BSMQ	36,175	$853.0k0.11%	0.11%	Added +57	+57 0.2%
71	AMAZON COM INC COM AMZN	AMZN	3,442	$850.9k0.11%	0.11%	Added +293	+293 9.3%
72	MATTHEWS ASIA FDS ASIA INNOV ACTIV MINV	MINV	15,903	$766.3k0.10%	0.10%	Unchanged
73	ISHARES GOLD TR ISHARES NEW IAU	IAU	10,127	$764.6k0.10%	0.10%	Reduced -114	-114 -1.1%
74	SPDR SER TR S&P DIVID ETF SDY	SDY	4,597	$711.7k0.09%	0.09%	Added +50	+50 1.1%
75	INVESCO EXCH TRD SLF IDX FD BULSHS 2027 MUNI BSMR	BSMR	29,041	$685.8k0.09%	0.09%	Added +17	+17 0.1%
76	SCHWAB STRATEGIC TR US LCAP VA ETF SCHV	SCHV	20,274	$685.5k0.09%	0.09%	Added +184	+184 0.9%
77	FIRST MERCHANTS CORP COM FRME	FRME	15,228	$679.0k0.09%	0.09%	Unchanged
78	FORD MTR CO COM F	F	47,500	$675.9k0.09%	0.09%	Reduced -2.0k	-2,000 -4.0%
79	ISHARES TR NATIONAL MUN ETF MUB	MUB	6,253	$666.4k0.09%	0.09%	New
80	INVESCO EXCH TRD SLF IDX FD BULSHS 2029 MUNI BSMT	BSMT	28,738	$662.5k0.09%	0.09%	Added +18	+18 0.1%
81	INVESCO EXCH TRD SLF IDX FD BULSHS 2028 MUNI BSMS	BSMS	28,012	$656.6k0.09%	0.09%	Added +17	+17 0.1%
82	META PLATFORMS INC CL A META	META	985	$636.4k0.08%	0.08%	Reduced -50	-50 -4.8%
83	NEXTERA ENERGY INC COM NEE	NEE	7,059	$626.8k0.08%	0.08%	Added +144	+144 2.1%
84	VANGUARD SCOTTSDALE FDS VNG RUS2000IDX VTWO	VTWO	5,243	$623.3k0.08%	0.08%	Reduced -36	-36 -0.7%
85	SCHWAB STRATEGIC TR INTL EQTY ETF SCHF	SCHF	22,149	$598.2k0.08%	0.08%	Unchanged
86	ISHARES TR IBONDS DEC 26 IBMO	IBMO	21,994	$564.2k0.07%	0.07%	Added +291	+291 1.3%
87	VANECK ETF TRUST CLO ETF CLOI	CLOI	10,151	$537.0k0.07%	0.07%	Reduced -2.8k	-2,846 -21.9%
88	EVERSOURCE ENERGY COM ES	ES	7,089	$529.0k0.07%	0.07%	Added +1	+1 0.0%
89	ALPHABET INC CAP STK CL C GOOG	GOOG	1,515	$524.5k0.07%	0.07%	Added +112	+112 8.0%
90	SCHWAB STRATEGIC TR US DIVIDEND EQ SCHD	SCHD	15,735	$517.8k0.07%	0.07%	Added +725	+725 4.8%
91	MCDONALDS CORP COM MCD	MCD	1,882	$503.8k0.07%	0.07%	Reduced -6	-6 -0.3%
92	PUTNAM ETF TRUST FOCUSED LAR CAP PVAL	PVAL	9,491	$493.1k0.06%	0.06%	Reduced -194	-194 -2.0%
93	SCHWAB STRATEGIC TR US SML CAP ETF SCHA	SCHA	14,170	$482.5k0.06%	0.06%	Added +25	+25 0.2%
94	SCHWAB STRATEGIC TR US LCAP GR ETF SCHG	SCHG	13,254	$453.0k0.06%	0.06%	Reduced -152	-152 -1.1%
95	BANK AMERICA CORP COM BAC	BAC	7,379	$452.1k0.06%	0.06%	Added +152	+152 2.1%
96	ABBVIE INC COM ABBV	ABBV	1,767	$449.6k0.06%	0.06%	Added +161	+161 10.0%
97	JPMORGAN CHASE & CO COM JPM	JPM	1,311	$447.2k0.06%	0.06%	Added +71	+71 5.7%
98	VANECK ETF TRUST REAL ASSETS ETF RAAX	RAAX	11,307	$444.7k0.06%	0.06%	Reduced -390	-390 -3.3%
99	PROFESIONALLY MANAGED PORTFO AKRE FOCUS ETF AKRE	AKRE	7,901	$443.9k0.06%	0.06%	Reduced -377	-377 -4.5%
100	RBB FUND TRUST FIRST EAGLE OVER FEOE	FEOE	7,736	$415.4k0.05%	0.05%	Added +2	+2 0.0%

Sold out since Q1 2026

Security	Ticker	Shares held before	Value then
ISHARES TR SGOV	SGOV	8,950	$900.9k8.9k shares
AT&T INC T	T	7,738	$224.3k7.7k shares
VANGUARD BD INDEX FDS BND	BND	2,829	$208.4k2.8k shares