Business Details
Trusted Financial Planning Services in Waltham, MA
Sensible Financial Planning has been dedicated to providing personalized financial advisory services since its founding. Our team of certified professionals brings decades of combined experience in financial planning, portfolio management, and fiduciary advisory. We specialize in creating holistic financial strategies that align with clients' unique life goals, emphasizing tax efficiency, risk management, and long-term wealth preservation. Our methodology combines rigorous quantitative analysis with peer-reviewed economic research to develop customized investment allocations.As fiduciaries, we maintain strict ethical standards, operating under a conflict-minimized compensation structure that prioritizes client interests. Our proprietary planning process utilizes advanced software to model sustainable living standards across clients' lifetimes, incorporating dynamic programming techniques for accurate forecasting.
Services
Financial Planning
Portfolio Management
Retirement Planning
Tax Strategy
Investment Guidance
Risk Management
Estate Planning
College Savings
Wealth Preservation
Fiduciary Advice
Highlights and features
- We operate as fiduciaries with strict ethical standards
- Our planning uses dynamic programming for accurate forecasting
- Transparent, conflict-minimized compensation structure
- Team includes CFPs and investment professionals with decades of experience
- Proprietary methodology minimizes common financial planning errors
Associations and certifications
- Registered Investment Advisor (RIA)
What people say
Personalized strategies
Expert analysis
Fiduciary responsibility
Long-term planning
Professional team
Services
Financial Planning
Our comprehensive financial planning service creates personalized strategies that align with your life goals. We analyze your complete financial picture including assets, income, and future objectives to develop a cohesive plan that addresses retirement, tax minimization, estate planning, and risk management. The process uses dynamic programming techniques to model sustainable living standards across your lifetime.
Portfolio Management
We implement customized investment strategies based on your financial plan's target allocation. Our approach focuses on low-cost passive mutual funds and tax-efficient asset location while maintaining strict risk controls. We provide ongoing portfolio monitoring, performance reporting, and periodic rebalancing to maintain your desired risk-return profile according to your Investment Policy Statement.
Retirement Planning
This service specializes in creating sustainable retirement income strategies. We analyze Social Security optimization, pension options, and withdrawal sequencing to maximize lifetime income while managing sequence-of-returns risk. Our planning incorporates inflation protection and longevity considerations to develop retirement income plans that adapt to changing market conditions and personal circumstances.
Tax Strategy
Our tax minimization strategies focus on optimizing tax-advantaged accounts and implementing strategic asset location. We coordinate with tax professionals to develop comprehensive tax reduction plans that consider retirement account conversions, charitable giving strategies, and income smoothing techniques. The service emphasizes long-term tax efficiency while maintaining alignment with overall financial objectives.
Risk Management
We assess life, disability, and long-term care insurance needs as part of comprehensive financial planning. Our analysis quantifies capital replacement requirements and income protection needs while coordinating with estate planning objectives. We provide referrals to trusted insurance providers while maintaining independence from product sales incentives.
People
Rick Miller
Founder and CEO
PhD economist and CFP professional with decades of experience in financial planning. Developed the firm's proprietary planning methodology using dynamic programming techniques. Leads strategic direction and client advisory services.
Rick Fine
Principal and Director of Financial Planning
RMA and CFP professional managing financial planning operations. Specializes in retirement income strategies and portfolio management. Oversees client plan development and implementation processes.
Frank Napolitano
Senior Financial Advisor
JD and CFP professional with CFA charterholder status. Focuses on estate planning integration and complex financial situations. Provides legal-compliance expertise in financial planning processes.
Josh Trubow
Senior Financial Advisor
MSFP and CFP professional specializing in retirement planning and tax-efficient strategies. Leads client education initiatives and financial literacy programs for ongoing advisory clients.
Laura Williams
Senior Financial Advisor
CFP and ChSNC professional focusing on retirement community financial planning. Specializes in continuing care retirement community financial analysis and transition planning.
Questions
What makes Sensible Financial different from other advisors?
We operate as fiduciaries with transparent pricing and use dynamic programming for personalized financial plans.
What is your minimum account size?
We typically work with clients having $500,000+ investable assets or those expecting to reach this level soon.
How are your fees structured?
We use tiered asset-based fees for management and fixed pricing for planning services with one-time setup costs.
Do you provide retirement income planning?
Yes, we specialize in creating sustainable retirement income strategies incorporating Social Security optimization and tax-efficient withdrawals.
How do you handle investment management?
We implement customized allocations using low-cost passive funds with periodic rebalancing per your Investment Policy Statement.
What planning tools do you use?
We utilize MaxiFi software for financial planning and proprietary systems for portfolio management and performance reporting.
