Sensible Financial

Sensible Financial http://www.sensiblefinancial.com/about-us We apply our rigorous analytical approach to help you understand and address your financial issues.

Sensible Financial is a fee-only financial advisory firm offering integrated financial planning and portfolio management services. For more details about our services and approach, please visit:
http://www.sensiblefinancial.com/what-we-do/index.php.

1. Sensible Financial transacts business only in states where it is properly registered, or excluded or exempted from registration requirements;
2.

Follow-up and individualized responses to persons that involve either the effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, as the case may be, will not be made absent compliance with investment adviser and investment adviser representative registration requirements, or an applicable exemption or exclusion;

10/24/2025

We're excited to share the news that we have joined Beacon Pointe Advisors! For future news and updates from our team, please like/follow Beacon Pointe Advisors.

10/24/2025

Expanding excellence from coast to coast, we are proud to announce the integration of Sensible Financial Planning, a dedicated advisory team committed to serving clients with clarity, confidence, and security.

Located in Waltham, MA, and San Diego, CA, the Sensible Financial Planning team provides a comprehensive suite of services, including retirement planning, tax strategies, insurance analysis, estate and legacy planning, and integrated investment management. We look forward to building upon a foundation of collaboration, shared purpose, and dedication to client success through our allWEALTH® approach together. https://www.prnewswire.com/news-releases/beacon-pointe-advisors-increases-boston-area-presence-with-944m-acquisition-302582686.html?tc=eml_cleartime

September is ! Make sure your finances are in order so you can face the unexpected with confidence.A solid financial pl...
09/24/2025

September is ! Make sure your finances are in order so you can face the unexpected with confidence.

A solid financial plan helps you feel secure and ready for whatever comes your way. At Sensible Financial, we work with you to create a plan that supports your goals and protects you against the unexpected.

It's the perfect time to make sure you’re prepared. Contact us today: https://www.sensiblefinancial.com/contact-us/

Should you convert to a Roth IRA?Retirement accounts don’t have to be “set and forget.” Beyond adjusting contributions o...
09/18/2025

Should you convert to a Roth IRA?

Retirement accounts don’t have to be “set and forget.” Beyond adjusting contributions or investment choices, you may have the option to make a bigger move like converting a traditional IRA or 401(k) into a Roth IRA.

In his latest article, Rick Miller, Founder of Sensible Financial, explores the pros, cons, and key questions behind a Roth conversion.

Read the full article here: https://www.sensiblefinancial.com/to-roth-convert-or-not-to-roth-convert-that-is-the-question/

Retirement isn’t one-size-fits-all. Rules of thumb like “retirees can live on 80% of their pre-retirement income” may so...
09/16/2025

Retirement isn’t one-size-fits-all. Rules of thumb like “retirees can live on 80% of their pre-retirement income” may sound simple, but they often fall short of reality. For many, expenses don’t decrease the way these assumptions suggest, and lifestyle goals can mean spending more in retirement, not less.

In his latest article, Gyb Spilsbury breaks down why this popular rule of thumb may not apply to your situation and why personalized planning matters.

Read Part 2 of his series on investing myths: https://www.sensiblefinancial.com/debunking-investing-rules-of-thumb-part-2/

Reminder: The third quarter tax deadline is coming up on September 15!If you earn income that isn’t subject to withholdi...
09/12/2025

Reminder: The third quarter tax deadline is coming up on September 15!

If you earn income that isn’t subject to withholding (self-employment income, investments, rental income, or retirement distributions) you may need to make an estimated tax payment by September 15.

At Sensible Financial, we help clients plan ahead so deadlines don’t become stress points. Have questions about whether this applies to you? Let’s talk: https://www.sensiblefinancial.com/contact-us/

National 401(k) Day is today, September 5th!It’s a great reminder to check in on your retirement savings. Even small cha...
09/05/2025

National 401(k) Day is today, September 5th!

It’s a great reminder to check in on your retirement savings. Even small changes like increasing contributions or reviewing your investments can have a big impact over time.

At Sensible Financial, we’re here to help you make the most of your 401(k) and feel confident about your future.

Ready for a conversation? Reach out today: https://www.sensiblefinancial.com/contact-us/

Our clients come to us for more than just advice — they come for peace of mind.At Sensible Financial, we believe a great...
08/22/2025

Our clients come to us for more than just advice — they come for peace of mind.

At Sensible Financial, we believe a great financial plan should be:
✔️ Comprehensive
✔️ Thoroughly researched
✔️ Easy to understand
✔️ Tailored to you
✔️ Fairly priced
✔️ Delivered by someone who only wins when you do

In short: A financial plan should be sensible.

Let’s take the stress out of planning your future. Contact us today: https://www.sensiblefinancial.com/contact-us/

Many families are unaware of the additional support available through Social Security survivor benefits. Understanding t...
08/21/2025

Many families are unaware of the additional support available through Social Security survivor benefits. Understanding these benefits can be crucial for protecting your loved ones and planning for the unexpected.

In Laura William's latest article, she explains what survivor benefits are, who qualifies, and how they can fit into your broader financial plan.

Read the full article "Non-Retirement Social Security Benefits: Survivor Benefits" here: https://www.sensiblefinancial.com/non-retirement-social-security-benefits-survivor-benefits/

Marie St. Clare has spent years exploring what works when it comes to budgeting. She knows not everyone shares her enthu...
08/14/2025

Marie St. Clare has spent years exploring what works when it comes to budgeting. She knows not everyone shares her enthusiasm for this niche hobby, so she wrote a series of articles and co-presented a webinar with Josh Trubow to make budgeting more accessible and effective for the rest of us.

In this Q&A, Marie shares what she’s learned about budgeting strategies, software, and how to set yourself up for success.

Check it out here: https://www.sensiblefinancial.com/what-did-marie-st-clare-learn-about-budgeting-and-budgeting-apps/

Address

203 Crescent St, Ste 404
Waltham, MA
02453

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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