Sensible Perspectives
Stop, Look, and Listen: Don’t Be A Ponzi Scheme Victim
Posted by Rick Miller on September 9, 2019
Why are Ponzi schemes so popular, both with fraudsters and with investors, and how can you avoid becoming a victim?Laura Higgins: From Maps to Markets
Posted by admin on July 31, 2019
The team at Sensible Financial is an eclectic bunch. Some started as academics, some as attorneys, and one, like the latest member of the Sensible team, Laura Higgins, began her professional life studying geography. Though she didn’t map out a career as a financial planner, Laura recently started working at Sensible as an Associate Financial […]What might the SECURE Act mean for you and your retirement assets?
Posted by Chris Andrysiak on July 30, 2019
In today’s political climate, anytime a bill passes the House of Representatives by 417-3, it’s worth noting. In this case, it’s the SECURE Act, which stands for Setting Every Community Up for Retirement Enhancement, a bill making reforms to the retirement savings landscape. The bill passed the House on May 23rd. Though there appears to […]Getting the most out of Social Security
Posted by Frank Napolitano on July 30, 2019
At Sensible Financial we spend a lot of time thinking about and advising on Social Security. A search on our website yields over a dozen articles. For most Americans, Social Security is their largest asset. (If it is not your largest asset it is still likely to be a very large asset). Choosing when you […]My parents involved me in the financial aid process and it paid off.
Posted by Gyb Spilsbury on July 26, 2019
It’s July, close to the beginning of college search season for high school juniors and seniors. I looked at colleges 6 years ago, and there were several aspects of my search that I found valuable: starting research early, discussing financial parameters with my parents, and applying to a broad, varied list. Maybe my experience will […]What Is Your Backup Retirement Plan?
Posted by Rick Miller on June 26, 2019
This article originally appeared in Forbes.com. You’re happy in your career. You’re earning enough for now and putting money away for later. You feel productive. You like working. When asked, you say you have no plans to retire until you’re at least 65. Surprise! Things happen. You could confront health challenges that affect you or […]Older adult living options, life care managers, and when it’s smart to make a plan
Posted by Chris Andrysiak on June 26, 2019
As most of our clients know, planning at Sensible Financial is more than just running the numbers (though we think we’re pretty good at that). It’s also helping our clients think more broadly about how they want to live, and then helping them consider the financial ramifications of their options. Quite a few of our […]Should you buy a used car? If so, how old?
Posted by admin on June 25, 2019
How much you spend on vehicles over your lifetime can be significant. The more you spend, the fewer financial resources you’ll have in your lifetime budget to spend on other needs and wants. In my previous article, I looked at the financial impacts of buying new versus leasing. In summary, leasing and re-leasing a new […]Finding Meaning After Full-time Work
Posted by Tom Sadtler on June 24, 2019
“Over the past century, we’ve created the greatest gift in the history of humanity — thirty extra years of life — and we don’t know what to do with it! . . . What we need is not to put off death a little longer but to write a new narrative of aging as it could […]What Do I Need to Know About Continuing Care Retirement Communities?
Posted by Rick Fine on June 11, 2019
Last April, I began a seven-part series on CCRCs (Continuing Care Retirement Communities). Many of our clients were asking about retirement options and I decided CCRCs were a good place to start my research. In addition to reading about the subject, I spoke to senior living experts, CCRC administrators, and residents to ask them about […]