Enter the next
phase with
confidence.
We believe that people who have made responsible financial decisions deserve clear, honest advice. Every conversation and every plan starts there.
Watch Our Story
4:18
Helping
good people
thrive.
Our clients are good people who have spent decades making smart financial decisions and are now approaching retirement with a solid nest egg and a question they have never been able to get a straight answer to—do I have enough? More often than not, the answer is yes. It’s our job to prove it.
Radical simplicity.
Process Overview
2:18
On your
side since day
one.
Our founder, Darrell Armuth, comes from a line of high-desert pioneers dating back to the Pony Express—people who you could rely on to get the message across with no detours. That ethos shaped how he built Sensible when he started it in Reno in the early 1990s as a CPA: ethical guidance, fair pricing, and a stubborn belief that good advice shouldn’t require a decoder ring.
When daughter Lena Armuth joined, she listened closely to what clients were actually asking for and evolved Sensible into a full financial planning firm built around answering those questions clearly and completely. She earned her CFP® certification and built the tools and process to back it up.
Together they built something neither could have done alone—a firm where simplicity is not a marketing position but a genuine commitment to every client who walks through the door.
Fair fees, always.
No commissions, hidden fees, or
inflated egos.
For a $3,000,000 portfolio, Sensible’s annual fee would be $9,000. This results in an effective rate of 0.30% (30 basis points).
Straight
answers to
your
questions.
A fee-only financial advisor is one who is compensated solely by the client—not through commissions, product sales, or referral fees—which removes the commission-based conflicts of interest common at large brokerage firms. This structure is the foundation of fiduciary advice, meaning the advisor is legally and ethically obligated to act in your best interest. Sensible has operated as a fee-only, fiduciary advisory firm since its founding, long before the industry started paying attention to the concept.
You can choose to have your fees deducted directly from your account or pay by check or credit card. Fees are collected monthly or quarterly, and there will never be any hidden costs or add-ons.
Most planning tools ask how much you want to spend, then tell you your odds of making it work—but that’s not a plan, it’s a guess. Sensible does the opposite: we analyze your full financial picture and give you a near-certain number representing what you can confidently spend without the fear of running out. That moment of clarity—knowing your real number—is often what finally lifts the cloud of uncertainty that’s been hanging over retirement.
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.