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Sensible Perspectives

Sensible Financial Joins Mass Innovation Nights For a Night of FinTech Innovation

Posted by on October 19, 2017

Sensible Financial team members Rick Fine, Chris Andrysiak and Rick Miller recently served as experts at Mass Innovation Nights (#MIN102), a monthly gathering featuring startups and local innovators. The theme for the event was financial technology and financial literacy, and included 13 startups with exciting new fintech products. The financial literacy theme tied in nicely with […]

InvestmentNews Names Sensible Financial a 2017 Best Practices Award Winner for Excellence in Technology

Posted by on October 17, 2017

InvestmentNews names the financial advice industry’s 2017 “Best Practices” Fifth annual awards program recognizes firms for excellence in practice management and technology   October 17, 2017, Boston – InvestmentNews today named Sensible Financial Planning and Management, LLC a winner of the 2017 Best Practices Awards, an important initiative that recognizes the top-performing and most innovative […]

Medicare Part C (Medicare Advantage)

Posted by on September 29, 2017

For those approaching 65 and just learning about Medicare, Medicare Part C (also known as Medicare Advantage, or MA for short) is perhaps the least understood part of Medicare.  Medicare Advantage is a separate and distinct entity from the government-run Medicare A and B programs (also known as “original” or “traditional” Medicare).  Marketed as an […]

What it Will Take to Fix Social Security’s $12.5 Trillion Shortfall

Posted by on September 25, 2017

In my previous article, I describe how the Social Security program works and examine the program’s financial standing over the last thirty years.  Currently, Social Security is running a small annual surplus, paying benefits as scheduled, and trust fund reserves are larger than they’ve been in decades.  At a glance, everything appears A-ok. However, the […]

How To Choose A Medicare Part D Prescription Drug Plan

Posted by on August 29, 2017

In a previous article, I explained the who, what, and when of Medicare Part D, Medicare’s prescription drug program for seniors.  I devote this article to describing the “how” – that is, how to go about choosing among the myriad Part D plans available in your geographic area.  Knowing how to choose a plan is […]

How Social Security’s Coming Insolvency Will Affect You

Posted by on August 24, 2017

It is no secret that the Social Security program is financially unsustainable.  Based on current projections, too little cash is coming in to cover future benefit payments.  The first page of your Social Security Statement (the document reporting your lifetime earnings history and estimating your future Social Security benefit) states that “by 2034, the payroll […]

Flexible Spending Accounts: A Useful Employee Benefit That Can Reduce Your Taxes

Posted by on July 26, 2017

In my last newsletter article, I looked at how to save for medical expenses using a health savings account (HSA). In this companion article, I’ll focus on another type of savings account called a flexible spending account. These plans are designed to help employees save for certain qualified expenses using pre-tax dollars. Although you may […]

Blindfolded Monkeys With Darts! An Update On The Active vs. Passive Investing Debate.

Posted by on July 26, 2017

At Sensible Financial, we get very excited about passive investing. Since we first opened our doors in 2002, we’ve recommended passive funds as the best option for clients interested in higher returns at lower risk. It was a pretty radical recommendation at the time. Since our first financial plan, things have changed quite a bit […]

Rick Fine: From Intern to Shareholder

Posted by on July 25, 2017

Rick Fine is miles from where he thought he’d be now, and he likes it. Fine graduated from the University of Colorado with a degree in computer science and worked for many years on the engineering side of the software industry. After a taste of the business side of software development and an MBA from […]

Concord Journal Writes Article On Sensible Financial

Posted by on June 30, 2017

Recently, the Concord Journal wrote an article on Sensible Financial being named to the Financial Times 2017 Top 300 Registered Investment Advisers. You can read that article here.