Business Details
Your Trusted Partner for Comprehensive Financial Planning
Sensible Financial Planning is an independent, fee-only financial advisory firm dedicated to providing personalized financial guidance rooted in rigorous analysis and peer-reviewed research. Our team of certified professionals acts as fiduciaries, prioritizing client interests through comprehensive financial planning, portfolio management, and ongoing advisory services. With over 100 combined years of expertise in wealth management, tax strategies, and retirement planning, we design holistic financial plans that align with individual life goals, ensuring transparency, fairness, and long-term financial security. Our commitment to fiduciary responsibility means we receive no commissions, guaranteeing unbiased advice tailored to each client's unique needs. 
Services
Financial Planning
Portfolio Management
Retirement Planning
Tax Minimization
Investment Strategy
Risk Management
Estate Planning
Insurance Guidance
Retirement Income Planning
Annual Progress Review
Highlights and features
- We act as fiduciaries, prioritizing your interests above all else
- Our fee-only structure ensures unbiased advice with no hidden costs
- We employ a rigorous analytical approach grounded in peer-reviewed research
- Our transparent pricing model delivers value without compromising quality
- Certified professionals with decades of combined expertise in financial planning
Services
Financial Planning
We create personalized financial plans that integrate retirement goals, tax strategies, and estate considerations. Our data-driven approach ensures alignment with your lifestyle needs while optimizing investment returns. Certified advisors use advanced software to model scenarios and develop actionable strategies for long-term financial security.
Portfolio Management
Our team implements customized asset allocations using low-cost mutual funds and passive strategies. We continuously monitor market conditions, rebalance portfolios quarterly, and provide detailed performance reports. This service focuses on maintaining target risk levels while maximizing after-tax returns through strategic asset location.
Retirement Planning
We develop comprehensive retirement income plans that coordinate Social Security optimization, pension distributions, and withdrawal strategies. Our analysis includes longevity risk assessment, healthcare cost projections, and sustainable spending rate calculations to ensure financial stability throughout retirement years.
Tax Minimization
Our tax-efficient strategies focus on reducing lifetime tax liability through strategic Roth conversions, tax-loss harvesting, and optimal asset location. We coordinate with CPAs to implement deductions, credits, and retirement account contributions that align with overall financial objectives.
Risk Management
We identify potential financial risks through scenario analysis and develop mitigation strategies. This includes life/disability insurance recommendations, emergency fund planning, and contingency strategies for market volatility or unexpected life events.
People
Rick Miller
Founder
PhD economist and CFP professional with 30+ years of experience in financial planning. Specializes in retirement income strategies and economic modeling for long-term financial security.
Rick Fine
Principal and Director of Financial Planning
MBA and CFP with expertise in risk management and investment strategy. Focuses on creating customized financial plans that balance short-term needs with long-term goals.
Frank Napolitano
Senior Financial Advisor
JD and CFP with legal expertise in estate planning and tax law. Helps clients navigate complex financial situations while maintaining fiduciary compliance.
Josh Trubow
Senior Financial Advisor
MSFP and CFP with specialization in retirement planning and behavioral finance. Focuses on helping clients achieve financial peace of mind through evidence-based strategies.
Laura Williams
Senior Financial Advisor
CFP and Certified in State and Local Government Finance. Expertise in public sector retirement benefits and complex financial planning for government employees.
Questions
Are you a fiduciary financial advisor?
Yes, we operate under a fiduciary standard, legally required to act in your best interest at all times without conflicts of interest.
What services do you offer?
We provide comprehensive financial planning, portfolio management, retirement income strategies, tax optimization, and ongoing financial advisory services tailored to individual needs.
How are your fees structured?
We use transparent, asset-based fee tiers for ongoing services and fixed fees for financial plans, with no hidden costs or commissions.
Do you work with clients nationwide?
Yes, we serve clients across the country through virtual consultations and digital financial planning tools.
What qualifications do your advisors hold?
Our team includes Certified Financial Planners (CFP), Chartered Financial Analysts (CFA), and professionals with advanced degrees in finance and taxation.
