Sensible Money
Sensible Money is a highly regarded, SEC-registered investment advisory firm that specializes almost exclusively in retirement decumulation and distribution planning. Founded in 2011 by financial literacy author and industry expert Dana Anspach, 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. The practice operates under a strict fee-only fiduciary standard, meaning it accepts no broker commissions and sells no proprietary financial products. Rather than chasing speculative stock market trends, the firm utilizes process-driven strategies like its proprietary Juicing planning framework to build steady, predictable retirement paychecks for its clients. The firm’s baseline philosophy is that a retiree’s long-term success relies less on picking winning stocks and more on building a robust, repeatable cash-flow plan that can withstand inflation, rising tax rates, and market corrections.
ABOUT SENSIBLE MONEY
Sensible Money is a fee-only wealth management and retirement planning firm focused exclusively on creating sensible retirement plans designed to last a lifetime.
Operating under a strict fiduciary standard, the Scottsdale, Arizona-based firm manages wealth by replacing traditional, generic accumulation strategies with highly specialized distribution methodologies.
The firm helps clients bring calm, clarity, and confidence to retirement through straightforward, step-by-step guidance delivered by independent fiduciary advisors who accept zero broker commissions or product-based incentives.
Their core advisory practice focuses on structural asset allocation, tax-efficient withdrawal strategies, Social Security optimization, and comprehensive retirement income planning.
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, systematic income streams that support everyday living expenses and protect long-term financial independence throughout a client's entire retirement lifecycle.
Investment Management for Income: Sensible Money designs and manages investment portfolios specifically structured to generate consistent retirement income. Portfolios are built with a heavy emphasis on institutional diversification, income sustainability, and meticulous risk management across all market cycles.
Retirement Risk Management: The firm’s diagnostic planning process aggressively addresses the most significant retirement hazards. Advisors build defensive frameworks to mitigate longevity risk, inflation erosion, sequence-of-returns risk, and accidental overspending risk.
Income Source Coordination: The partnership helps clients determine exactly when and how to draw from multiple cross-boundary income sources. This includes coordinating systematic withdrawals across traditional investment accounts, Social Security benefits, corporate pensions, and alternative household assets to maximize lifetime tax efficiency.
Planning for Clients Age 55 and Older: The firm works primarily with individuals age 55 and older, focusing squarely on the critical bridge from saving for retirement to spending in retirement. Every onboarding path is tailored specifically to pre-retirees and active retirees seeking absolute income stability and long-term financial clarity.
Fee-Only Fiduciary Advice: As a dedicated fee-only fiduciary advisory firm, Sensible Money is compensated directly by transparent client fees rather than hidden transaction commissions. This corporate structure perfectly aligns the firm’s strategic advice with the client’s best financial interests, supporting purely objective and honest guidance.