Sensible Financial offers financial planning and investment advisory services.

• Financial planning helps you match your spending to your resources over your lifetime – we think of it as "lifetime budgeting."
• Investment advice guides and frequently implements the investment of your savings.

We offer both services in two formats: the initial service, and the ongoing service.

If you are considering an Integrated Financial Plan, we offer a complimentary one-hour introductory meeting to help you get to know Sensible Financial. We tell you about how we do things, and why we believe our approach has significant advantages. We also ask about the results you want from us so that we can provide a firm quote on the cost of our services.

Many of our clients begin with an Integrated Financial Plan, and then retain us for Integrated Financial Advisory Services or Portfolio Management Only. This supports investment decisions that take account of your life and financial goals.

However, you are not obligated to retain Sensible Financial as your portfolio manager just because we develop a financial plan for you.

Similarly, you may invest with us even if you decide that you don’t need a financial plan.

We will work with you in the manner you find most valuable.