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Sensible Perspectives

Sensible Financial Named One of San Diego’s Top Financial Advisors for 2019

Posted by on April 24, 2019

Each year, AdvisoryHQ News’ editorial, research, and ranking teams identify and rank the top companies in financial services, wealth management, banking, investment management, accounting, consultancies, retail, financial advisory, and education. This year, they chose Sensible Financial for their list, 2019’s Top Financial Advisors & Wealth Management Firms in San Diego, CA. The publication lauded Sensible Financial […]

Erica Sibley, Sensible’s Operations and Disney Expert

Posted by on April 23, 2019

There’s a new member of staff behind the front desk at Sensible; welcoming clients, answering queries over the phone — and that’s just the tip of the iceberg. Let’s meet her. Erica Sibley is a Massachusetts native through and through. She grew up in the Boston area, and after gaining her degree in criminal justice […]

Sensible Scenarios: Should I Stay or Should I Go?

Posted by on March 20, 2019

Remember when you were a kid and grownups asked you what you wanted to be when you grew up? That was then, and this is now. You are a grownup. You’ve finished school, gone to work, and started a family or a business. Now you’re settled, but you still have dreams. Maybe you want to […]

Should you buy or lease your car?

Posted by on March 20, 2019

Your car is one of the most expensive items you own. Costs include the purchase of the car itself, finance costs, fuel, insurance, state fees, maintenance and repairs. According to the Bureau of Labor Statistics, vehicle-related expenses were the second highest after-tax expenditure (15%) for the average US household in 2017, between housing (33%) and […]

The new year is in full swing. Know your limits and get ready to file!

Posted by on February 27, 2019

A brief tax guide and update for 2019 As you might have heard in the news recently, the Tax Cuts and Jobs Act (TCJA) was passed at the end of 2017 and many taxpayers are now filing their first return under the new tax regime. The TCJA was enacted with four goals: tax relief for […]

New Employee Profile: Gyb Spilsbury Thinks Sensible Is Just Right

Posted by on January 22, 2019

If you’ve visited the offices of Sensible Financial Planning lately, you may have noticed a new face among the bricks and artwork. Gyb Spilsbury, a recent graduate of Union College in New York, started as an Associate Financial Advisor on October 1st. Sensible’s newest team member is enjoying his new position and his new city. […]

What You Owe John Bogle, Iconic American Inventor

Posted by on January 22, 2019

This article first appeared on Forbes.com. Modern Portfolio Theory, the work of Markowitz, and Sharpe, and many, many others, is the foundation of how we think about finance and financial markets. Both Markowitz and Sharpe won the Nobel prize in Economics, and many of their intellectual descendants have done so as well. One of the […]

Is a CCRC worthy of having me as a resident? – Part 2

Posted by on January 15, 2019

Additional questions to help you decide if a CCRC is right for you In a previous article, I suggested questions to ask a CCRC finance team member about the community’s long-term financial viability to determine whether it’s the right place for you. Chances are, by the time you sit down with the salesperson, you’ve already […]

How You Can Apply The Serenity Prayer To Your Financial Life

Posted by on December 17, 2018

Photo courtesy unsplash This article originally appeared on Forbes.com. God, grant me the serenity to accept the things I cannot change, Courage to change the things I can, And wisdom to know the difference. -Reinhold Niebuhr I often see families who could benefit from more serenity in their financial lives. To illustrate this concept, I […]

What does it take to retire early?

Posted by on December 14, 2018

Early retirement and the concepts of high savings rates, deliberate frugality and reducing one’s working hours continue to seep into the mainstream. Blogs like Mr. Money Mustache, Early Retirement Extreme, and the FIRE (financial independence, retire early) movement have become a topic of frequent conversation in the media and among many in their 30s, 40s […]