Prior to joining Sensible Financial in 2017, Chris Andrysiak was a Senior Vice President at Fidelity Investments, where he worked for 18 years in various management roles. His career also includes positions at Deloitte Consulting and Goldman Sachs. At Fidelity, Chris helped the company understand the financial needs of individuals and families, and how financial advisors work with those clients. He also was involved in creating, managing, and marketing an array of financial products and services.
At Sensible Financial, Chris works with clients to help them decipher the financial offerings available to them, and to make financial choices that help them achieve their goals. In addition, as Senior Director of Strategy, Chris helps Sensible Financial navigate the changing environment, and ensure that the firm is well-positioned to meet the needs of its clients.
Chris earned his Bachelor’s Degree in Economics from MIT, and his MBA from the Tuck School of Business at Dartmouth College. He has also earned the Boston University Center for Professional Education Certificate in Financial Planning.
In his spare time, Chris plays many different sports, and coaches youth sports. In addition, he and his family enjoy exploring the national parks, and gardening in their back yard.
Jay earned his Ph.D. in Applied Economics from the University of California-Davis, his B.S. in Economics from the University of Washington, and is currently enrolled in Boston University’s Certificate in Financial Planning program. Prior to joining Sensible Financial® he taught undergraduate courses in microeconomics at UC Davis and worked as an Associate Economic Consultant at The Brattle Group, where he conducted research and managed projects in support of expert witnesses in matters of high stakes litigation. Jay brings an analytical economics-based approach to the practice of financial planning and has a passion for learning and teaching that he loves sharing with clients. He is particularly excited about helping others reach their goals, by providing objective, economically sound, fee-only financial advice at a fair price.
Jay loves spending time with his wife and two daughters and is an avid cyclist. He enjoys hiking, reading, woodworking, and a good cup of coffee.
Edward Samp joined Sensible Financial® in 2016 as an Investment Operations Specialist. He works closely with advisors to formulate, implement, and monitor investment strategies. He standardizes processes, streamlines operations, and devises firm-wide portfolio management policies. He regularly carries out ad-hoc projects for advisors and clients. Prior to joining Sensible Financial, Edward worked in investment operations at U.S. Wealth Management.
Edward graduated magna cum laude from Northeastern University in 2014 with a B.S. in Business Administration, majoring in Finance and minoring in Economics. He is a CFA® Charterholder. This professional designation involves passing three rigorous examinations and takes four years on average to complete. It is widely considered the gold standard for investment management and analysis.
Edward pitches in the Yawkey Baseball League of Greater Boston. He is a huge Red Sox fan. He also enjoys playing the saxophone, chess, and snowboarding.
Chuck Luce joined Sensible Financial® in 2015 as an Associate Financial Advisor. Chuck brings experience in information management, insurance and financial planning administration. Prior to joining Sensible Financial, Chuck worked for State Street in Boston where he focused on fixed income accounting. Chuck earned a B.A. in Economics from Northeastern University and is currently enrolled in Bryant University’s Certificate in Financial Planning program.
Volunteering his time is important to Chuck. He has participated in many fundraising events including those for the Greater Boston Food Bank and Project Bread. Chuck was born in Costa Rica and enjoys traveling to Central America and Europe. He is an amateur angler and hopes to catch the “big one” every summer. Most of all, Chuck and his wife enjoy spending time with their two children.
Laura joined Sensible Financial® in 2014 as an Financial Advisor working with the team to develop financial plans. Laura earned her B.S. in finance from Bentley University, graduating in the spring of 2014. She also obtained her Certificate in Financial Planning from Boston University in 2017. Laura is a CERTIFIED FINANCIAL PLANNER™ practitioner and a member of the Financial Planning Association (FPA), and the National Association of Personal Financial Advisors (NAPFA).
At Bentley, Laura focused on finance and financial planning. She covered many topic areas used in financial plan development including cash flow, income tax, insurance, investments, and estate planning. Prior to joining Sensible Financial, Laura worked as an intern at RBC Wealth Management assisting financial advisors in creating investment plans.
Working at Sensible Financial, Laura especially enjoys helping clients reach their goals and understand the financial implications of various life decisions.
Away from the office, Laura enjoys spending time with her family and friends as well as traveling. She is also a diehard Buffalo Bills fan.
Josh Trubow joined Sensible Financial® in 2011 as an Investment Operations Analyst. Prior to joining Sensible Financial he worked as an associate at a tax accounting company helping individuals and small businesses prepare and file their taxes. Josh has volunteered with the Volunteer Income Tax Assistance (VITA) program and is passionate about helping to give back to his community.
Josh earned both a B.A. in Finance and an M.S. in Financial Planning from Bentley University. He is a CERTIFIED FINANCIAL PLANNERTM Certificant and an active member of the National Association of Personal Financial Advisors (NAPFA).
Josh is a soccer enthusiast (he played at Bentley) and enjoys playing in his free time. Along with soccer, Josh is also a Boston sports fan and tries to catch games at the Garden whenever possible.
Prior to joining Sensible Financial® in 2012, Frank worked as a Financial Advisor at Morgan Stanley Smith Barney. He has advised individuals on a wide variety of issues, including asset and risk management, budgeting, and estate planning.
Frank has a B.A. from Harvard University and a J.D. in Business and Financial Law from Boston University School of Law. He is a CERTIFIED FINANCIAL PLANNERTM certificant and a member of the American Bar Association, the Massachusetts Bar Association, the Financial Planning Association (FPA), and the National Association of Personal Financial Advisors (NAPFA).
In addition to his work at Sensible Financial, Frank enjoys classical music (he is a classically trained singer), travel (he has lived and studied abroad in Europe), and tennis.
Frank lives in San Diego, CA.
Since 2003, Sensible Financial’s clients have relied on Rick Fine’s expertise to help them realize their financial goals. Rick’s knowledge of financial modeling, retirement planning, and insurance combine to help his clients organize their personal finances.
After a 17-year career in financial software in the engineering, product management, and business development fields, Rick’s interest in investing led him to make the move to financial planning. He already had an MBA from Babson College and later, enrolled in Boston University’s financial planning certificate program, eventually receiving his CFP® certification from the CFP Board of Standards.
Rick’s high standards and attention to detail impressed Sensible Financial’s founder, Rick Miller, who hired him as the firm’s first employee. During the fall of 2017, fourteen years of successfully creating financial plans for clients led to Rick’s promotion to a principal of the firm. This position gives him an even bigger stake in the company and its future and further ensures the continuity of Sensible Financial. Families can continue to count on Rick as a part of their long-term plans.
Sensible Financial’s strong values are important to Rick. “The fact that Sensible Financial is a fiduciary financial planning and investment firm means our clients can have confidence in our fair, impartial counsel,” he says. “They know we’re responsible for working in their best interest and that we’re dedicated to providing unbiased financial advice at a fair price.”
Rick’s engineering background and his desire to keep Sensible’s processes running smoothly makes his skillset the ideal counterpart to Rick Miller’s more strategic perspective. Their different approaches complement one another.
Sensible’s positive company culture and its policy of nurturing talent has helped Rick Fine rise from a part-time intern to a principal of the company. He says, “These days, people don’t necessarily stay at one company for as long as I have. Our internal training program has helped me and a number of others advance within the firm. It’s great for employees and for the future of the company.”
When Rick isn’t working for the benefit of his clients, he’s out capturing wildlife—on camera. A skilled landscape photographer with a natural eye for beauty, he spends most of his vacations on photographic excursions, channeling his more artistic side. His photographs decorate the walls inside the firm’s historic Waltham building, making the environment warmer and more comfortable.
Rick Fine works hard. As a photographer, he spends hours surveying the scene and deciding which exposure and position will convey each shot in the best possible way. As a financial planner, he listens to families describe their dreams and researches how to make them come true. The two skills may seem different, but they both take the same level of diligence and commitment and they both create beautiful results.
Rick Miller’s disciplined and analytical nature served him well as he earned his Ph.D. in economics at the University of Chicago. Now, as Sensible Financial’s founder and CEO, Rick’s strong theoretical background and data-driven nature helps clients realize their financial dreams.
Early in his career, Rick was a business consultant specializing in financial services. He dealt with regulators, industry experts, and senior executives. This allowed him to see financial product marketing from the inside. Later, at Scudder Investments, Rick learned the inner workings of mutual funds and developed a financial planning business plan for one of the investment firm’s largest institutional clients.
Rick’s rigorous academic training in family economics and lifetime planning and his experience in the financial services world prepared him to start his own financial planning and investment firm. In April of 2002, Rick founded Sensible Financial Planning and Management®. At Sensible Financial, Rick combines hard data, thoughtful analysis, and personal attention to present high quality advice and efficient financial products and services to each client. He and his team tailor a plan to every client’s needs.
“My job as a financial planner is to look at the big picture and ask a lot of questions,” says Rick. “Is your human capital correlated with the stock market? Do you like your career well enough to stay with it until you retire? How much are you saving for your childrens’ college versus your own retirement? Do you plan to move to a larger house or buy a vacation home? Does your disability insurance provide sufficient protection? How will changes in your life affect these decisions? Once we understand where each client wants to go, we can build a customized plan to help them get there.”
Rick is a CFP® certificant, and a member of both NAPFA, the National Association of Personal Financial Advisors, where he has served as the program director for the Boston chapter and on the faculty of NAPFA University, and the Financial Planning Association. In 2009, Rick was a member of both the Trends in Financial Planning and Job Analysis task forces of The Certified Financial Planner Board of Standards. He is a strong advocate for the Life Cycle Planning and Investing approaches within the profession, and conducts professional seminars on those subjects.
Financial planning may seem like a fundamentally intellectual exercise, but to Rick, it’s much more than that. “I started out thinking that financial advising was a purely analytical career. I remember being surprised by how personal it was. Leveraging my technical skills to help people achieve their personal and family goals is very satisfying. I’m honored that people are willing to share their personal stories, their needs, hopes, and fears with me. It’s a privilege to learn what’s important to each of my clients and to help them.”
Rick has been quoted in the Wall Street Journal, the Boston Globe, Businessweek.com, NPR’s Nightly Business Report, and other local and national media, and is a Forbes.com contributor.