Protecting wealth.
Empowering your future.

We guard our clients' financial security, helping you maintain the lifestyle that you enjoy and providing for generations to come. Above all, Sentinus believes in service first. We're transparent in everything we do and strive for clarity and understanding in all of our client relationships. As a nimble company, we adapt quickly to help you maintain the success that you've achieved. We're passionate about our work, and proud of the relationships we build. Sentinus is your partner for life.

We've listened and adapted for you.

You've earned it.
We'll help you
keep it.

You've worked hard to reach your current level of success. For many of our clients, this success comes with complexity. If not thoroughly examined, these complications can hide problems or mask opportunities that can significantly impact your business, career and family. Our holistic approach ensures we've taken into account all factors that affect your bottom line. See how we do it below.

Our Services

Working together with our clients, we create a blueprint for financial sustainability and growth.

Are you Ok?

We begin by seeking out a comprehensive understanding of our clients' finances - where they currently stand and where they're going. We have generations of expertise in risk assessment and mitigation, and our clients have benefited from our experience for nearly 70 years.

We start by carefully examining everything in our client's life with a dollar sign attached to it. We pay careful attention not just to their current financial situation, but also looking to the future to address your goals, aspirations, fears, and concerns to assess the risks and opportunities ahead of you. We give our clients a tool to visualize various future scenarios and trends to see the impact that changes, market forces, and competing decisions can have on our clients and their family's well being. Through on-going re-evaluation we track our client's progress toward their goals. No matter what happens throughout your life, you'll always have a pulse on your financial health.

It's More than Wealth. It's Your Legacy.

Careful estate planning and asset protection is important at any level of wealth. Factors can change at federal, state and even local levels. Each of these governing bodies can play a role in a client's estate and the impact that taxes may have on their heirs.

It is essential to assess your situation in several high-risk scenarios: the death of you or your spouse, significant legal judgment, divorce, or a serious health issue. Using your current financial condition, documents, insurance, and family situation, we analyze the impact of these events on your estate taxes, cash flow, income, wealth transfer and family dynamics. We then collaborate with you and your advisors to build and implement a comprehensive strategy that works for you and your heirs. No matter what the future brings, you'll have a plan in place.

Risk Matters

For many of our clients, it's critical that their money is working efficiently and in a prudent, sustainable fashion.

First, our independent approach of Investment Analysis and Management requires an in-depth understanding of your entire financial situation. We continue by applying our proprietary Discretionary Wealth Analysis in order to assess the appropriate amount of portfolio risk while still achieving the goals that are important to you. The optimal asset allocation is then developed using the most recent academically supported, mathematically-based methodologies to maximize the opportunity for returns within each risk level.

The final stage involves building a portfolio structure that is strategic in its asset allocation, yet responsive to market volatility. Never has this need to be nimble been more on display than over the last decade.

See more at PremiseCapital.com

Protecting your Company. Empowering your Employees.

As a business leader, you are a fiduciary to your company's retirement plan and subject to intense scrutiny from regulators. We can help alleviate your fiduciary responsibilities, keeping your plan compliant through evolving regulations, to give you more time to focus on what you do best – run your business. We take responsibility for running your plan smoothly and effectively.

No two investors are exactly alike. Our retirement plans are flexibly designed - with diverse lineups for the do-it-yourself investor and managed accounts for employees seeking professional investment expertise. Investing for your retirement is too important to leave to chance, so we offer plan participants more than one path to a secure retirement.

Our retirement solutions are designed to coordinate with executive-level deferred compensation and non-qualified bonus plans to optimize and enhance overall corporate benefits for your key talent.

Fire Drill

Business owners embody the true essence of the entrepreneurial spirit. They strive to understand every aspect of their business and are often looking for the next opportunity to grow and diversify. It's been their passion and often the source of their wealth. As a result their businesses become an extension of themselves and there is a real fear of relinquishing control in a manner that is not on their terms.

Business owners essentially have three options available to them upon exiting their business: keep the business in the family, sell it to outsiders or liquidate it. Liquidation is generally the default. We create a fire drill aimed at answering the question of what happens to the business in the event of a myriad of stress scenarios, including premature death, disability and retirement. It's often eye opening. The effect of these stresses on revenue, expenses, benefits, employee retention and profits give you an accurate overall assessment of the total impact on your business. This process uncovers issues and opportunities, improves communications with other members of the business and family, and can help identify next generation leadership in order to address the complexities of choosing the correct option for your closely held business.

An Arrow in Your Quiver

Insurance is a unique financial tool employed by most individuals. However, many insurance portfolios have been accumulated over a long period of time, for various reasons and from different companies and agents. Many times these policies are out of date or have conflicting tax, beneficiary and ownership considerations that can prove detrimental to the original intent of the protection.

The bottom line is that insurance is a financial tool. Nothing more, nothing less. There are times when it makes sense to transfer risk from your family to the insurance company and there are times when it makes sense to self-insure. In every case, however, a client should know their options, especially as their needs and resources change over time. As is the case with most tools, insurance properly applied in a customized and creative manner can provide exceptional benefit to a client situation, but when used without care, can prove to be an expensive liability.

Enlightened Self Interest

After answering the critical questions of "Am I okay?" and "Is my family okay?" many clients may ask, "Is my community okay? They ask this question not only because of their strong desire to benefit a worthy cause but because their estate and income tax situations are frequently altered in a positive manner. This enlightened self-interest can help develop a legacy.

The spectrum of charitable strategies available to clients ranges from straightforward annual gifts, sophisticated trust structures, to setting up family foundations. A careful examination of your objectives and a complete financial picture can help match the right approach for your personal situation.

Your trusted
partners.

Our success comes from listening closely to our clients. Each client's situation is unique and by listening, we're better able to serve. Sentinus' approach combines proven industry best practices with leading-edge proprietary modeling tools. Working together, these individual components create a clear path to sustaining wealth for a lifetime and beyond. We work to enhance financial strengths while identifying and mitigating weaknesses. For nearly 70 years we have been driven to serve our select clientele in a responsive, nimble manner that assures their interests are paramount.

What we value.

Partnerships for Life

Our core mission and philosophy have never changed: Service First. We stand ready to act as our clients' trusted partner, maintaining their lifestyles through informed and prudent fiscal management, long term planning and risk mitigation. We believe in clarity and transparency: our clients always know what we're doing for them and why. We plan for longevity in our relationships so our clients can make informed decisions to ensure the level of comfort they enjoy while providing for generations to come.

As Sentinus continues to grow, we will continue to respect and support the entrepreneurial spirit. We hold ourselves to the same principles we've always valued: service first, relentless passion, active collaboration, inspiration and industry leadership. As an independent company, Sentinus is more nimble and better able to effectively serve our clients' needs, providing financial protection while continuing to add growth. While the last decade has seen two historic economic downturns, we've adapted our practices to meet these new challenges. We also take advantage of state of the art technologies and new advances within the industry to give our clients every possible advantage and we collaborate with the accountants and attorneys who advise our clients.

 
 
 
 
 
 
 

A history of innovation.

We've always been thinking ahead. We've focused on the client first, and
our profit second. In a world of risk, we understand that our clients need
a partner they can always trust. Our history reflects that.

1946
When we began our business in 1946, we started by placing the focus on customer service. Learn about the History of our Founder
1978
In 1978, we began offering fee-based comprehensive financial planning coupled with risk-based asset allocations, helping clients to build unique and diverse investment plans to meet their financial goals.
1995
We moved to flat fee-based services in 1995, ensuring that our clients' interests are always at the forefront.
2012
Our move to independence in 2012 is an opportunity for client growth, a more streamlined and effective client experience and greater hands-on management of our services.
View our Full Disclosures

Meet your team.

Scott B. Reynolds,
CLU, ChFC

Senior Partner

Tyler D. Qualio,
JD*, CFP

Partner

Andrew C. Atseff
Private Client Advisor

Donna F. Cockrell
Director of Client Services

Kathy Yonker
Insurance Liaison

Kyle J. DePasquale
Director of Design

John McGrath
Financial Analyst

Scott with a his fish

Scott B. Reynolds, CLU, ChFC

Senior Partner

Scott has the accumulated knowledge and experience of almost 40 years in the financial industry. His focus on business-owner clients, estate, retirement, investment planning, as well as business succession, distinguishes him and the firm in its comprehensive, holistic approach to financial planning. Senior partner, CEO, mentor, resource, and "gray hair" of the office, Scott leads by example as he continues the tradition of dedication to client service upon which the company was built.

During his business tenure, Scott has consistently earned corporate and industry recognition, honors, and the respect of his peers. He holds industry designations of CLU® and ChFC® in addition to professional licensing in securities, advising and insurance. He is a Ripon College graduate, having earned his Bachelor's Degree in Economics.

Scott, with his wife, Deb, together enjoy a number of outdoor activities, including golf, tennis, boating, fishing, fly fishing, snowshoeing, wilderness camping and many water sports. Most of all, they value sharing in each other's interests and activities along with their 3 adult children, Stephanie, Britton, and Paige, their spouses and 2 granddaughters, Chase and Macki.

Email Scott at scott.reynolds@sentinus.com.

Tyler with his family

Tyler D. Qualio, JD*, CFP

Partner

Tyler has expanded the focus of Sentinus. He understands the value of the comprehensive planning model and its overall effectiveness to business-owner clients. This has made him keenly aware of its advantages to a wide spectrum of high net worth clients. Tyler's knowledge and experience in the area of financial planning, coupled with his communication skills and legal training, support his ability to provide clients with effective and comprehensive planning in the tradition of the firm.

Tyler enjoyed corporate recognition for success in his 10-year tenure with Lincoln Financial Advisors. He holds industry designations as a CFP® in addition to professional licensing in securities, advising and insurance. Tyler is a St. Norbert College graduate with a Bachelor's Degree, Cum Laude, in Communications and a JD from Marquette University Law School.

Active in his community, Tyler is Vice President on the Board of Directors for Lamb's Fold Center for Women and Children. He is a member of the Joliet Region Chamber of Commerce Board of Directors, the Will County Community Foundation Professional Advisory Board and also serves on the Caritas Committee for The University of St. Francis.

Tyler's personal focus is spending time with his wife Stephanie and two daughters, Chase and Macki. He enjoys traveling and is an avid golfer.

Email Tyler at tyler.qualio@sentinus.com.

Andrew and his family

Andrew C. Atseff

Private Client Advisor

Andrew C. Atseff is a Registered Investment Advisor Representative, Registered Representative and Licensed Life Producer practicing comprehensive, full-service planning. In addition to his experience as a financial planner and investment advisor to high-net-worth clients, Andrew brings developed expertise in retirement plan design and financial implementation for small to mid-market businesses.

Andrew's success in the financial planning industry follows his experience as Senior Vice President at Jones Lang LaSalle Americas, Inc. the world's largest full service commercial real estate firm. There, he acted as a trusted advisor to corporate executives developing and implementing real estate solutions to match their strategic goals.

Andrew received his Bachelor of Science degree from the University of Illinois. He earned his MBA from the Kellogg School of Management at Northwestern University, concentrating in Finance and Management Strategy.

The father of 6 children, Andrew coaches youth soccer and little league, and acts as the chief for his sons' and daughters' YMCA Indian Guides / Princess Tribes. In between his children's activities, Andrew enjoys an occasional round of golf.

Email Andrew at andrew.atseff@sentinus.com.

Sentinus

Donna F. Cockrell

Director of Client Services

Donna has been a member of the firm since 1995. She has a bachelor's degree from the University of Illinois, Springfield and is an administrative Registered Securities Representative.

Donna is the longest tenured member of the firm behind Scott, joining as a part-time assistant in 1995. Responsible for all office systems, administration, production and client services and experience, she quickly became full time. In her leadership role, Donna helped marshal the tremendous growth over the past 10 years from just Scott and her to the current office. Now focused on office management and administration, she still oversees all client service related activities, and is the assistant to two senior partners.

She enjoys spending time with her husband and family and indulging in hobbies of bicycling and gardening.

Email Donna at donna.cockrell@sentinus.com.

Kathy about to fly

Kathy Yonker

Insurance Liaison

Kathy is licensed with the State of Illinois for Life Insurance in an administrative capacity and has been with the firm since 2001. She facilitates the implementation of new insurance with clients as well as servicing existing policies.

Kathy holds a BA degree in Communication Arts: Journalism from St. Joseph's, Calumet College Indiana. Her earlier experiences focused on freelance writing and public relations with the former Copley Chicago Newspapers and the School City of East Chicago.

Kathy is proud of her three daughters, who work respectively as a teacher, a nuclear engineer and a dentist. Her experience caring for her elderly mother has given Kathy an appreciation of the effects of longevity to an individual's financial situation, fueling her ardor for Sentinus' services.

An active member of St. Mary Immaculate Church in Plainfield, Kathy volunteers in various capacities. When time permits, she is an avid cook and creative baker and continues personal writing endeavors.

Email Kathy at kathy.yonker@sentinus.com.

Kyle and Lisa

Kyle J. DePasquale

Director of Design

Kyle joined Sentinus in 2012 after starting his financial career with The Ayco Company, a Goldman Sachs Company. While at Ayco, Kyle provided comprehensive financial counseling and support to corporate executives and high net worth individuals and families to achieve their financial goals. Upon joining Sentinus, Kyle has been able to build upon his past experiences and utilize his skills in helping strengthen the firm.

As Director of Design, Kyle creates and implements client financial plans while providing personalized wealth management solutions tailored to each client's specific needs. Kyle enjoys working directly with clients, helping to solve any obstacles that may be standing in their way. Being the newest member of the team, Kyle brings fresh perspectives and a strong desire to expand upon the company's tradition of dedication to client service.

He received his Bachelor of Science in Finance from the University of Illinois at Urbana-Champaign and is currently pursuing a M.S. in Taxation at the Kellstadt Graduate School of Business at DePaul University.

Kyle's hobbies include running, basketball, and extreme obstacle racing. He enjoys spending time with his family, friends, and wife Lisa.

Email Kyle at kyle.depasquale@sentinus.com.

John McGrath

John McGrath

Financial Analyst

John officially joined Sentinus in 2014, after interning the preceding two years. As a financial analyst, he works closely with the Director of Design to ensure that every client's financial planning and investing needs are satisfied. He is eager to take advantage of his new role and contribute to the future success of Sentinus.

John attended the University of St. Francis, where he majored in accounting, and graduated with honors. He is currently pursuing his CPA license.

John spends his free time with his family and friends, and enjoys playing baseball, painting, skiing, and traveling to new and exciting destinations.

Email John at john.mcgrath@sentinus.com.

Contact us.

We welcome your comments and questions. Thank you.

Sentinus, L.L.C.
350 Houbolt Road
Suite 203
Joliet, IL 60431
p: 815.729.2455
p: 888.331.5408 (toll-free)
f:  815.729.2458