Sensible Financial Planning And Management, LLC

Sensible Financial Planning & Management, LLC, established in 2005, is a registered investment adviser offering personalized portfolio management services. The firm manages assets totaling $868,696,916 on a discretionary basis across 1,653 accounts and $16,740,386 on a nondiscretionary basis across 26 accounts. Services include investment supervision and fee-only financial planning covering retirement, insurance, college savings, cash flow, debt management, employee benefits, and estate planning. Financial plans are tailored to individual client needs and goals. The firm charges flat fees ranging from $5,000 to $15,000 for financial planning and asset-based fees for portfolio management, varying from 0.16% to 1.40% annually. Sensible Financial does not engage in performance-based fees, has a minimum account size requirement of $500,000, and does not participate in wrap fee programs. Clients have the option to impose restrictions on their accounts, and the firm exercises limited investment discretion with client authorization. Sensible Financial does not vote client securities proxies and maintains no financial commitments that could impact client obligations.