SENTINEL PENSION ADVISORS INC

RIA/Wealth

SENTINEL PENSION ADVISORS INC is a RIA/Wealth based in Wakefield, MA led by James Michael Carnevale, reporting $10.7B in AUM as of Q3 2025 with 91% ETF concentration, 70% concentrated in top 10 holdings, 18% allocation to BKLC, and minimal technology exposure.

PresidentJames Michael Carnevale

Portfolio Value: $620.5M
Positions: 121
Top Holding: BKLC at 17.63%
Last Reported: Q3 2025

Address100 Quannapowitt Pkwy, Suite 402, Wakefield, MA, 01880, United States

Top Holdings

Largest long holdings in SENTINEL PENSION ADVISORS INC's portfolio (70.5% of total portfolio)

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Holding	Sector	Position	Weight	Traded	Ownership	Owned Since
1 BNY Mellon US Large Cap Core Equity BKLC	ETF ETF	$109.4M	17.63%	-$82.3K Sold	— 852.0K shares	Q1 2022 Held for 3y 8m
2 SPDR S&P 500 ETF Trust SPY	ETF ETF	$95.2M	15.34%	-$311.1K Sold	— 142.9K shares	Q4 2019 Held for 5y 11m
3 JCPB JPMorgan Core Plus Bond JCPB	ETF ETF	$60.2M	9.70%	+$4.0M Bought	— 1.3M shares	Q2 2024 Held for 1y 5m
4 BNY Mellon International Equity BKIE	ETF ETF	$53.5M	8.62%	-$436.9K Sold	— 597.6K shares	Q1 2022 Held for 3y 8m
5 SPDR Portfolio Intermediate Term Treasury SPTI	ETF ETF	$34.7M	5.60%	+$1.5M Bought	— 1.2M shares	Q2 2023 Held for 2y 5m
6 GLDM SPDR Gold MiniShares Trust GLDM	Unknown Unknown	$29.6M	4.76%	-$4.1M Sold	— 386.6K shares	Q4 2022 Held for 2y 11m
7 Fidelity Enhanced Large Cap Growth FELG	ETF ETF	$16.2M	2.62%	+$550.1K Bought	— 394.9K shares	Q1 2024 Held for 1y 8m
8 Fidelity Total Bond FBND	ETF ETF	$14.4M	2.33%	+$258.5K Bought	— 312.0K shares	Q4 2019 Held for 5y 11m
9 SPDR Portfolio S&P 1500 Composite Stock Market ETF SPTM	ETF ETF	$12.3M	1.99%	-$832.2K Sold	— 153.1K shares	Q4 2019 Held for 5y 11m
10 SCHR Schwab Intermediately-Term U.S. Treasury SCHR	ETF ETF	$11.8M	1.90%	+$476.7K Bought	— 468.5K shares	Q2 2023 Held for 2y 5m

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Changes

Portfolio activity, position movements, and quarter-over-quarter changes in SENTINEL PENSION ADVISORS INC's latest filing

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Market Value

$620.5M

Prior: $589.5M

Q/Q Change

+5.27%

+$31.0M

Net Flows % of MV

-0.812%

Turnover Ratio

2.56%

New Purchases

3 stocks

$1.9M

Added To

54 stocks

+$11.3M

Sold Out Of

4 stocks

$1.3M

Reduced Holdings

49 stocks

-$16.9M

Increased Positions

Position	Shares Δ	Change
1 iShares 0-3 Month Treasury Bond SGOV	New	0 → 13.6K +$1.4M
2 BlackRock Flexible Income BINC	New	0 → 5.3K +$281.2K
3 iShares iBonds Dec 2027 Term Corporate ETF IBDS	New	0 → 8.4K +$205.3K
4 Eastern Bankshares, Inc. EBC	+75.73%	101.3K → 178.0K +$1.4M
5 iShares ESG Aware U.S. Aggregate Bond EAGG	+32.59%	58.6K → 77.7K +$916.7K

Decreased Positions

Position	Shares Δ	Change
1 Vanguard Total Stock Market VTI	Sold	1.7K → 0 −$507.7K
2 Angel Oak UYLD	Sold	9.4K → 0 −$477.8K
3 Vanguard Total Bond Market BND	Sold	2.8K → 0 −$204.7K
4 Methode Electronics MEI	Sold	10.0K → 0 −$95.1K
5 Microsoft MSFT	-65.77%	10.9K → 3.7K −$3.7M