Sensible Money
Sensible Money is a fee-only investment advisory firm that specializes in retirement income planning for individuals and families approaching or already in retirement. The firm is focused on helping clients create the financial confidence and freedom to live life without constant worry about money. Sensible Money uses a disciplined, goals-based retirement planning process designed to address the most common and complex retirement risks, including longevity risk, inflation risk, overspending, and sequence-of-returns risk. Rather than focusing solely on investment returns, the firm emphasizes building reliable and sustainable income throughout retirement. The firm works primarily with individuals aged 55 and older, helping them structure investment portfolios to deliver consistent retirement income while carefully coordinating when and how to draw from other income sources such as Social Security, pensions, and personal savings.
ABOUT SENSIBLE MONEY
Sensible Money is a fee-only wealth management and retirement planning firm focused on creating sensible retirement plans designed to last a lifetime.
The firm helps clients bring calm, clarity, and confidence to retirement through straightforward, step-by-step guidance delivered by independent fiduciary advisors.
Sensible Money specializes in helping individuals navigate the complexities of retirement, including asset allocation, tax-efficient withdrawal strategies, Social Security optimization, and comprehensive retirement income planning.
The firm’s approach is designed to help clients convert accumulated savings into reliable and sustainable income, while actively managing the key financial risks retirees face throughout retirement.
SERVICES & INVESTMENT SOLUTIONS
Retirement Income Planning – At the core of Sensible Money’s services is a structured retirement income planning process. The firm prioritizes building dependable income streams that support everyday living expenses and long-term financial independence throughout retirement.
Investment Management for Income – Sensible Money designs and manages investment portfolios specifically structured to generate consistent retirement income. Portfolios are built with an emphasis on diversification, income sustainability, and risk management across market cycles.
Retirement Risk Management – The firm’s planning process addresses the most significant retirement risks, including longevity risk, inflation risk, sequence-of-returns risk, and overspending risk. By planning for these challenges in advance, Sensible Money helps clients create more resilient retirement strategies.
Income Source Coordination – Sensible Money helps clients determine when and how to draw from multiple income sources, including investment accounts, Social Security benefits, pensions, and other assets.
Planning for Clients Age 55 and Older – The firm works primarily with individuals age 55 and older, focusing on the critical transition from saving for retirement to spending in retirement. Services are tailored to pre-retirees and retirees seeking income stability and financial clarity.
Fee-Only Fiduciary Advice – As a fee-only fiduciary advisory firm, Sensible Money is compensated directly by clients rather than commissions. This structure aligns the firm’s advice with clients’ best interests and supports objective, transparent guidance.