Logo
Rick M at computer

Sensible Perspectives

What’s the difference between Restricted Stock Units (RSUs) & Restricted Stock Awards (RSAs)?

Posted by on September 26, 2019

Both RSAs and RSUs are employer plans designed to reward and retain employees by offering additional compensation in the form of company stock. This article will help you understand the key differences between the plans and learn about potential tax saving strategies.

Volunteering (is) for the birds!

Posted by on September 26, 2019

This month I’ve decided to take a break from my typical financial musings to tell you about my experience as a volunteer on the fundraising committee at the Free Flight Exotic Bird Sanctuary. It was 2015. I had recently moved to San Diego and was spending a lot of time at their world-famous zoo. I’d […]

Frank Napolitano Earns His Chartered Financial Analyst Certification

Posted by on September 26, 2019

Frank Napolitano, Senior Financial Advisor, has attained the Chartered Financial Analyst ® (CFA) charterholder designation, passing all three exams on his first attempt.

When I’m 64…Err 94: Retiring Gracefully Along With Your Parents

Posted by on September 24, 2019

These days, families deal with parents and children aging together. What steps can you take to reduce the chances that either you or your parents will have to struggle financially during your retirement?

Stop, Look, and Listen: Don’t Be A Ponzi Scheme Victim

Posted by 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 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 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 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 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 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 […]