The most
direct route to
retirement.
You made smart financial decisions for decades. Now it's time to know if they'll support the retirement you want.
Process Overview
2:18
How It Works
Introduction Call
We get to know you first, then build a clear, personalized plan from the ground up.
Plan to 100 Strategy
We gather your info and build your retirement plan at no cost. Our technology allows us to look at your full picture and tell you exactly what you can afford to spend without the fear of running out.
Onboarding
We walk through your plan, answer your questions, and discuss whether a partnership makes sense. No pressure to move forward—it's a big decision and we treat it that way.
Partnership
We finalize your portfolio and make sure everything is set up exactly as it should be. We’ll meet twice a year formally, but you can always call us with questions.
We’re always
here when
you need us.
When something comes up—a big decision, a question that can’t wait, a life change you didn’t plan for—we pick up the phone. We know how much it matters to have someone you can actually reach, so responsive communication has always been a non-negotiable for us. You’ll never wonder if we got your message.
Why people work
with us.
“Working with Sensible has given me a sense of comfort that when I do fully retire, I'll definitely have enough money to do all the things I want to do.”
Straight
answers to
your
questions.
Sensible is a retirement-focused financial advisory firm offering comprehensive income planning, investment management, and tax planning strategy for people approaching or already in retirement. We manage your portfolio with a focus on asset allocation, RMD planning, Roth conversion analysis, and tax-efficient drawdown, all tailored to your specific situation.
Unlike commission-based advisors at large institutions, Sensible is a fee-only, independent financial advisory firm—meaning every recommendation is driven solely by what’s best for you, with no products, no commission-based conflicts of interest, and no hidden agenda.
The honest answer is: it depends on what you actually want your retirement to look like—and most advisors give you a range instead of a real number. At Sensible, we build a personalized retirement plan around your specific portfolio, income sources, taxes, and housing costs to tell you exactly what you need. And because we plan to age 100 rather than average life expectancy, the number we give you is built to hold up for the long haul.
Not necessarily. Both are excellent, low-cost, broadly diversified fund families with different philosophies. Vanguard is best known for index funds that aim to match the market. DFA (Dimensional Fund Advisors) uses factor-based investing, tilting portfolios toward areas – like small, value, and profitable companies – that academic research has associated with higher expected returns over longer periods, though these premiums aren’t guaranteed and can underperform for extended stretches. We’ll work together to determine which approach best fits your goals and risk tolerance.