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Sensible Perspectives

Is this CCRC worthy of having me as a resident?

Posted by on November 14, 2018

Click here to see my previous articles on CCRCs. Part 1 – How financially strong is the community? When our clients consider moving to a Continuing Care Retirement Community, they usually ask the advisor whether they qualify financially. It’s equally important to determine whether the CCRC under consideration is financially qualified to have them as […]

Diane Shea Retires from Sensible Financial to Begin a New Adventure

Posted by on November 14, 2018

Eight and a half years ago, Sensible Financial had four employees. Diane made it five. Since then, the firm has more than doubled both in clients and in staff, and Diane has helped make that possible. She’s been the smiling face you see as you enter the Sensible Financial offices and the welcoming voice on […]

New Art at Sensible Financial

Posted by on October 30, 2018

At Sensible Financial, providing an inviting space for our clients and employees is a high priority. Working in or visiting comfortable and attractive surroundings inspires creativity and helps foster a positive attitude. The deCordova Museum’s Corporate Art Loan Program offers us the opportunity to display beautiful pieces from New England-based contemporary artists. This fall, we […]

Freezing Your Credit

Posted by on October 29, 2018

Freezing your credit is now free (and probably makes more sense than ever) In April I wrote an article about the steps Sensible Financial takes to protect our clients’ information along with actions you can take to protect yourself, such as using strong passwords and enabling multifactor authentication where possible. A newly-passed law now makes it easier to protect your credit information. Earlier this […]

Employee Stock Purchase Plans (ESPPs): Understanding and maximizing a great employer benefit you may be missing out on

Posted by on October 29, 2018

In this installment of my series on employee benefits, I will cover employee stock purchase plans (ESPPs), which offer the ability to purchase employer stock through payroll deductions. Only about 30% of eligible participants take advantage of these plans, and on average, those who don’t participate miss out on over $3,000 per year[1]. You might […]

Evidence says the Fed is not “out of control”

Posted by on October 11, 2018

The stock market has declined a lot in the last two days, and the President has implied that it’s the Federal Reserve’s (the Fed’s) fault: the Fed is “so tight” (that is, the Fed is raising interest rates too fast and / or too much), and it is “out of control.” The Federal Reserve is […]

Am I Eligible to Live in a Continuing Care Retirement Community? Part Two (Part 5 of 7)

Posted by on September 21, 2018

In my previous articles on Continuing Care Retirement Communities (CCRCs), I described the amenities these communities offer, what it’s like to live in one, the various types of contracts, and explained the difference between affordability and eligibility. In this article, I will give a concrete example of the latter. Introducing Martha, a CCRC applicant Here […]

A Sensible Approach to Scheduling

Posted by on September 20, 2018

At Sensible Financial, we strive to make it easier for you to work with us. We know that scheduling meetings and phone calls has been a major pain point, requiring a lot of telephone and email back and forth.  We are pleased to announce that we have upgraded our old-school methods to Calendly, a user-friendly […]

Sensible Scenarios: Do I Need Disability Insurance?

Posted by on September 19, 2018

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 […]

Sensible Scenarios: Stress Free in Arizona

Posted by on August 27, 2018

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 […]