Keep more
of what you
earned.
The taxes you pay in retirement aren't fixed. Most people just don't know that. Tax planning is one of the most powerful tools available to retirees—and one of the most underused. At Sensible, it's built into everything we do from day one.
Here’s what we
focus on.
Here’s what
we focus on.
Why fee-only
matters
for your tax
strategy.
Tax planning recommendations can look very different depending on how an advisor gets paid. A fee-only advisor has no financial incentive to steer you one way or another—only to find what actually serves you best. At Sensible, we’re fiduciaries, and that commitment carries into every tax decision we help you make.
Real Money
With Lena
Learn from the Sensible team.
You
might be
wondering.
No, we’re not a tax preparation firm. We do tax planning, which means helping you make decisions throughout the year that reduce what you owe, rather than just filing what happened after the fact.
A Roth conversion moves money from a pre-tax account to a Roth, where future growth and withdrawals are tax-free. Whether it makes sense depends on your income, tax bracket, and timeline—we model it out specifically for your situation.
It varies, but for retirees drawing from multiple account types, thoughtful sequencing and Roth conversion strategies can save tens of thousands of dollars over a retirement lifetime. It’s one of the highest-value things we do.
The earlier the better, ideally before Social Security and required minimum distributions kick in, when you have the most flexibility. But it’s never too late to make improvements.
No. Tax planning is built into our ongoing service. Our fall meeting is specifically focused on year-end tax review, and tax considerations inform every recommendation we make throughout the year.