Logo

Category: Frank Napolitano

Like what you’re reading? Sign up for our monthly newsletter to receive the latest articles straight to your inbox.

Freezing Your Credit

October 29th, 2018 by

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 […]

What Should You Do With Your Old Employer Retirement Account When Changing Jobs?

July 26th, 2018 by

With the economy picking up, more people are changing jobs. This article will focus on just one of the implications of moving to a new job: what should you do with your old employer retirement plan? You have three options, each of which I will address in turn, highlighting the factors that we use to […]

How Sensible Financial Protects Your Information

April 4th, 2018 by
information security

The increasing number of data breaches and identity theft is a major concern. Recent high-profile stories like the Equifax breach and the Cambridge Analytica-Facebook scandal remind us of the ubiquity of the problem. It is therefore very timely to talk about some of the ways Sensible Financial works to protect your data. Interspersed throughout this […]

Want To Be Happy In Retirement? Spend Your Time And Resources On These Things.

March 1st, 2018 by

A few years ago, I had the pleasure of attending a seminar by Dr. Michael Finke, then a professor at Texas Tech (he is now at The American College of Financial Services). He spoke about measuring life satisfaction in retirement. I remember being impressed by his talk and wanting to write my own article about […]

The Risks of Active Management

November 5th, 2017 by
risks of active management

[DISPLAY_ULTIMATE_SOCIAL_ICONS] In my last article I summarized the trailing 15 years of active management versus passive management performance data (spoiler alert: passive won). Looking solely at fund returns over that timeframe, we saw that the overwhelming majority of active managers trailed the performance of their relevant benchmarks. But returns are only part of the analysis. […]

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

July 26th, 2017 by
Passive Investing: Percentage of US Equity Funds Outperformed by benchmark

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 […]

Sensible Tops in San Diego

March 22nd, 2017 by

Sensible Financial was recently named one of the 2017 Top Ten Best Financial Advisors in San Diego by AdvisoryHQ News. AdvisoryHQ News has over five million readers and provides extensive research, reviews, and rankings on financial firms and products for consumers across the U.S., the U.K., Canada and Australia. Their reviews and rankings are independently researched […]

Will Trump abolish the DOL fiduciary rule? Does it matter?

February 23rd, 2017 by

Only a few months ago I wrote How the DOL’s New Fiduciary Rule Will Affect Retirement Advice. In doing so, I threw three years of law school education out the window and broke one of the profession’s cardinal rules: Never speak in absolutes! (As if “never” weren’t an absolute!). I’d like to take this opportunity […]

Estate Plan Mistakes You Can Easily Avoid

January 26th, 2017 by

Every December I try to attend the Harvard Memorial Church’s Annual Carols Service. This year I was supposed to go with an old friend. I’ll call him Larry. Larry and I had dinner in October to celebrate his 64th birthday. We made plans at the time to attend the Carols Service together. Four days later […]

What are I Bonds good for?

October 27th, 2016 by

In my previous post, I described what an I Bond is. Here I will offer a few examples of how I Bonds might make sense in an investment portfolio. Recall that I Bonds are a sort of inflation-protected savings account. They earn interest every year equal to inflation plus a (currently small) fixed rate. The […]