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Sensible Perspectives

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.

Medicare Part D: Prescription Drug Coverage

Posted by on June 27, 2017

Welcome back to Sesame Street (for seniors). Today, we are going to talk about the letter “D”. (Sorry, but I couldn’t resist). Medicare Part D covers outpatient prescription drugs. You can obtain Part D coverage through stand-alone drug plans or Medicare Advantage plans that include drug coverage as part of their benefits package. (Medicare Advantage […]

Sensible Financial’s Preferred ETFs

Posted by on June 27, 2017

Every year, Sensible Financial reviews each mutual fund holding to ensure that you are invested in the best possible funds consistent with your target allocation and investment strategy. In defining “best”, we consider two primary criteria: (1) cost and (2) tracking error relative to our target indices. 1). There are three primary cost categories for […]

When Does Prepaying Your Mortgage Make Good Financial Sense?

Posted by on June 23, 2017

Prepaying your mortgage can be a sensible thing to do, especially when you have idle savings (think cash or money market accounts not earmarked for specific financial goals or your emergency fund) earning less than the rate on your mortgage.  In my previous article, I analyzed the mechanics of prepaying your mortgage.  In effect, prepaying […]

Sensible Financial Planning Recognized as 2017 Financial Times 300 Top Registered Investment Adviser

Posted by on June 22, 2017

Waltham, MA, and San Diego – June 22, 2017 – Sensible Financial Planning and Management announced today it has been named to the 2017 edition of the Financial Times 300 Top Registered Investment Advisers. The list recognizes top independent Registered Investment Advisors (RIA) firms from across the U.S. This is the fourth annual FT 300 […]

How Strategic Charitable Giving Can Maximize Your Deduction

Posted by on May 23, 2017

Charitable giving truly is the gift that keeps on giving. In addition to the positive feelings you get from giving to a needy charity, a charitable gift can reduce your taxes. In this article I’ll show you how planned giving, which takes into account how your income (and therefore tax brackets) change over time, can […]

Medicare Supplemental Insurance (Medigap) – Paying More to Pay Less

Posted by on May 23, 2017

Medicare Supplemental Insurance, or Medigap for short, is optional insurance that you can buy separately from a private insurer to cover many out-of-pocket costs of traditional Medicare. As I described in my previous Medicare articles, traditional Medicare (Parts A and B) typically covers 80% of Medicare-approved health care services.  However, Medicare can be expensive due […]