Fee-Only · Fiduciary · Veteran-Owned
Wealth Management Built on Service, Honor, and Trust
Bluegrass Sentinel Wealth delivers transparent, commission-free financial guidance crafted specifically for veterans, federal employees, and military families across Kentucky.
Fee-Only
No Commissions
Fiduciary Standard
Legally Bound
Veteran-Owned
28 Years Service
Kentucky-Based
Winchester, KY
Our Difference
The Fiduciary Advantage — Advice That Puts You First
No Commissions, Ever
We earn fees only from you — never from product sales or third-party referrals. Total transparency, total alignment.
Legally Your Fiduciary
As a registered investment adviser, we are legally required to act in your best interest at all times — not just when it's convenient.
Military Expertise
28 years of service means we speak your language — TSP, FERS, VA benefits, SBP, TRICARE. We live these topics.
"The same discipline that earned the commission funds your retirement — we help you make the most of it."
— Mark Brown, Founder & Chief Investment Officer
Who We Serve
Serving Those Who Served — and Those Who Serve Still
Military Retirees
Federal Employees
Military Families
Kentucky Community
Mark Brown, CW4 (Ret.)
Founder & CIO
Our Founder
28 Years of Service — Now in Service to You
After nearly three decades in the United States Army, Mark Brown, CW4 (Ret.), channeled his dedication to service into a new mission: providing fee-only, fiduciary financial guidance to the men and women who have given so much to our country. Based in Winchester, Kentucky, he founded Bluegrass Sentinel Wealth with a simple promise — integrity, discipline, and mission focus in every client relationship.
The Fiduciary Dispatch
Our monthly newsletter for veterans and federal employees — TSP tips, FERS planning insights, and Kentucky market news. Free, always.
No spam. Unsubscribe anytime. Your information stays private.
Our Story
A Mission of Service — In Uniform and Beyond
Built by a veteran, for the veteran community.
Mark Brown, CW4 (Ret.)
Founder & Chief Investment Officer
Meet Mark Brown
Mark Brown served 28 years in the United States Army, retiring as a Chief Warrant Officer 4 (CW4). Throughout his career, he developed a deep understanding of the financial challenges facing service members — from navigating the Thrift Savings Plan to planning survivor benefit elections, TRICARE coordination, and the transition to civilian life.
After retiring from active duty, Mark pursued his MBA and earned his Series 65 license, channeling his dedication to service into a new mission: providing fee-only, fiduciary financial guidance to the men and women who have given so much to our country.
Based in Winchester, Kentucky, he founded Bluegrass Sentinel Wealth with a simple promise — to bring the same integrity, discipline, and mission focus that guided his military career to every client relationship.
The Values That Guide Every Decision
Integrity
We do the right thing, even when no one is watching. Our fiduciary oath is not a checkbox — it is our standard.
Clarity
Financial complexity belongs in our office, not in yours. We translate jargon into plain English and plans into action.
Service
Our clients' missions become our own. We measure success not in assets under management, but in goals achieved.
28
Years Military Service
$0
Commissions Earned
100%
Fee-Only Transparency
Winchester
Kentucky · Our Home
Rooted in Kentucky, Committed to Our Community
Bluegrass Sentinel Wealth is proud to work alongside the American Legion, VFW, Winchester-Clark County Chamber of Commerce, and the vibrant central Kentucky veteran community. Giving back is not a marketing strategy — it is part of our mission.
VSO Partnerships
Active collaboration with veteran service organizations to connect those who served with the benefits they earned.
Financial Literacy Workshops
Free educational sessions on TSP, FERS, and transition financial planning for service members and families.
Local Referral Network
Trusted relationships with CPAs, estate attorneys, and insurance professionals throughout central Kentucky.
Our Services
Comprehensive Wealth Management
Every service is built around the unique financial realities of those who serve.
Portfolio Management
We build and manage investment portfolios aligned to your specific goals, risk tolerance, and time horizon. As your discretionary manager, we handle the day-to-day — rebalancing, tax-loss harvesting, and asset allocation — so you can focus on living your retirement.
Comprehensive Financial Planning
A true financial plan goes far beyond investments. We build a complete roadmap covering retirement income, Social Security optimization, insurance analysis, estate planning coordination, education funding, and more.
Federal & Military Benefits Optimization
This is our signature expertise. Few advisers understand the full complexity of TSP, FERS, CSRS, TRICARE, VA disability, and SBP. We do — because we lived it.
Retirement Income Architecture
We help you design a reliable, tax-efficient income stream that lasts throughout retirement — coordinating your pension, TSP/IRA distributions, Social Security, and any part-time income.
Ready to Build Your Plan?
Schedule Your Complimentary Discovery Call Today
Our Clients
We Serve Those Who Have Served
Our practice is built around the specific needs of the military and federal community.
Military Retirees
You earned your retirement. Let's make the most of it.
Who: Retired E-7 through CW5 or O-4 through O-6; age 45–65
Challenges: TSP distribution decisions, SBP vs. life insurance, TRICARE to Medicare transition, managing retirement pay + investment income
How we help: We specialize in the full military retirement ecosystem — from optimizing your TSP rollover to coordinating your pension with Social Security and VA benefits.
FERS & CSRS Federal Employees
Your federal career built a powerful foundation — let's build on it.
Who: GS-9 through SES; within 5–15 years of retirement
Challenges: FERS annuity calculation, FEHB in retirement, TSP contribution strategy, bridging income before Social Security
How we help: We model your complete federal retirement picture — pension, TSP, Social Security, FEHB — so you retire on your terms, not HR's estimate.
Active Duty & Military Families
Planning for a mobile life with a long-term mission.
Who: Active duty O-3 through O-6/CW3–CW5; military spouses managing household finances
Challenges: PCS moves, SCRA benefits, TSP early investing, VA home loan strategy, GI Bill planning for children
How we help: We meet military families where they are — whether that's building an emergency fund during deployment or planning a VA home loan purchase in Kentucky.
Transitioning Veterans
Your service was the mission. Now let's fund the next chapter.
Who: Recently separated or within 2 years of separation; age 25–45
Challenges: TSP rollover decision, first civilian paycheck budgeting, VA disability and wealth building, life insurance transition off SGLI
How we help: We guide veterans from Day 1 of civilian life — building a financial foundation that honors your service and powers your future.
Our Specialties
"I'd been putting off retirement planning for years because no one seemed to understand the military side. Mark gets it — the TSP, the SBP, the VA benefits. For the first time, I feel like someone has my six."
— Retired SSG, Fort Knox Area
(Illustration placeholder — client testimonial)
Fee Schedule
Transparent Fees. No Surprises. No Commissions.
We believe you deserve to know exactly what you pay and exactly what you receive in return.
What Fee-Only Really Means
At Bluegrass Sentinel Wealth, we are compensated solely by our clients. We do not receive commissions, referral fees, 12b-1 fees, or any third-party compensation — ever. This means every recommendation we make is guided by one thing: your best interest.
Investment Management Fees
Billed quarterly in arrears based on end-of-quarter account value.
| Assets Under Management | Annual Rate | Quarterly Rate |
|---|---|---|
| First $500,000 | 1.00% | 0.2500% |
| $500,001 – $1,000,000 | 0.85% | 0.2125% |
| $1,000,001 – $2,000,000 | 0.75% | 0.1875% |
| Above $2,000,000 | 0.65% | 0.1625% |
Minimum account size: $50,000. Fees are prorated for partial quarters. Minimum annual fee may apply.
EXAMPLE
$300,000 portfolio = $3,000/year = $750/quarter
Estimate Your Annual Fee
$500,000
Annual Fee
$5,000
Quarterly Fee
$1,250
Monthly Equiv.
$417
This is an estimate only. Final fees are disclosed in your Form ADV Part 2A and client advisory agreement.
Financial Planning & Consulting Fees
| Service | Fee |
|---|---|
| Comprehensive Financial Plan | $1,500 |
| Targeted Financial Plan (Single Topic) | $500 – $750 |
| Federal Retirement Analysis (FERS/CSRS) | $750 |
| TSP Distribution & Rollover Analysis | $500 |
| Social Security Optimization Report | $500 |
| Veterans Benefits Coordination Review | $400 |
| Hourly Consulting | $150/hour |
Monthly Retainer Plans
Foundational
$200/month
$2,400/year
- 2 planning meetings/year
- Quarterly check-in calls
- Email support
- Annual Form ADV delivery
Comprehensive
$350/month
$4,200/year
- 4 planning meetings/year
- Monthly check-in calls
- Priority access
- Tax coordination support
- Annual Form ADV delivery
All fees are fully disclosed in Bluegrass Sentinel Wealth's Form ADV Part 2A, available upon request or at IARD/FINRA's Investment Adviser Public Disclosure website. Bluegrass Sentinel Wealth is registered with the Kentucky Department of Financial Institutions. Past performance is not indicative of future results.
Resources
Financial Resources for Veterans & Federal Employees
Free guides, tools, and insights from the Bluegrass Sentinel Wealth team.
The Fiduciary Dispatch
Our free monthly newsletter delivers actionable financial insights for veterans, federal employees, and military families — TSP strategies, FERS planning, open season guides, and Kentucky market updates. Join 200+ subscribers.
No spam. Cancel anytime. We take your privacy seriously.
Latest Insights
The Ultimate TSP Guide for Kentucky Veterans
Everything you need to know about your Thrift Savings Plan — from contribution limits to fund selection to rollover decisions.
Read More →FERS Retirement Checklist: 10 Steps Before You Retire
A step-by-step guide to federal retirement planning, from calculating your annuity to choosing your FEHB coverage.
Read More →5 VA Benefits You May Be Leaving on the Table
Many veterans are unaware of financial benefits they've earned. Here's what to claim and how to integrate benefits into your wealth plan.
Read More →Should You Roll Over Your TSP? A Decision Framework
The TSP rollover decision is one of the most important choices retiring service members face. Here's how to think through it.
Read More →Social Security Timing for Veterans: When to Claim
Timing your Social Security claim can mean tens of thousands of dollars over your lifetime. We break down the key factors.
Read More →Federal Open Season 2026: A Complete FEHB Planning Guide
Open Season runs November 11–December 9. Here's how to evaluate your options and optimize your federal health benefits.
Read More →Planning Calculators & Tools
FERS Retirement Estimator
Estimate your FERS annuity based on your years of service and high-3 average salary.
Coming SoonTSP Contribution Optimizer
Find the optimal TSP contribution rate to maximize your match and retirement savings.
Coming SoonSocial Security Break-Even Calculator
Determine the optimal Social Security claiming age based on your life expectancy and income needs.
Coming SoonOfficial Government Resources
TSP.gov
Thrift Savings Plan
OPM.gov
Office of Personnel Management
VA.gov
Department of Veterans Affairs
SSA.gov
Social Security Administration
DFAS.mil
Defense Finance & Accounting Service
Medicare.gov
Medicare Benefits
Contact Us
Let's Start the Conversation
Schedule your complimentary 30-minute discovery call — no obligation, no pressure.
Get in Touch
Address
Winchester, Kentucky (Clark County)
Phone
(859) 555-0190
mark@bluegrassentinelwealth.com
Hours
Monday–Friday, 8:00 AM – 5:00 PM ET
Serving all of Kentucky and federal employees nationwide.
We typically respond within 1 business day. All information is kept strictly confidential.
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