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Category: Sensible Views

A Sensible Approach to Scheduling

September 20th, 2018 by

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 […]

How to Succeed at New Year’s Resolutions, Without Really Trying

December 1st, 2017 by
New Year's Resolutions

Every year, we provide guidance to help you with your New Year’s resolutions. While we used to say that our advice was based solely on introspection, evidence on how habit formation works has emerged, and it’s consistent with our recommendations. So, we can now say with confidence that if you follow these steps, you are […]

Five Common Misconceptions About Disability Insurance

November 19th, 2014 by

Over the past two years, I’ve been working with a team from the Society of Actuaries to assemble perspectives on disability for financial planners. We produced an extensive presentation for planners. I’ve delivered it several times – at NAPFA, FPA and other professional meetings, and in webinar form. I’ve spoken about the subject on the […]

5 Ways Your Children Can Influence Your Retirement

September 8th, 2014 by

We often ask our clients “What is important to you in life?” While priorities and preferences vary, the majority of our clients cite “family” as a primary value. Couples who include children in their lives face fundamental differences in their financial life cycle, which affect their retirement in a number of ways. Consumption Spending. Since […]

Recap of Rick’s Speech at the Retirement Research Consortium

August 29th, 2014 by

I recently had the privilege of attending the 2014 Retirement Research Consortium (RRC) Meeting on August 7-8, 2014 at the National Press Club in Washington, DC. I also had the honor of addressing the meeting as the luncheon speaker on Thursday the 7th. You can see the slides from my speech here, and view the […]

Full Stock Market Perspective

February 25th, 2014 by

There has been a lot of talk in the press about stock market volatility this year. During the last week of January and the first week of February, there was talk of a “correction” (a 10% decline in the stock market). The US stock market (represented by the S&P 500, SPY in the chart  below) […]

What Rick is Reading

February 25th, 2014 by

This month, Rick has been writing. His article, “Explaining Risk to Clients: an Advisory Perspective,” co-authored with Paula Hogan, appears in The Market for Retirement Financial Advice, recently published by Oxford University Press. The articles in this book originated as papers presented in Philadelphia in May 2012 at the Pension Research Council Conference with the […]

Disability is a life-long threat to your financial well-being

July 23rd, 2013 by

In early May, I made a presentation to the NAPFA National Conference on the importance of disability in financial planning. I was privileged to work with the Society of Actuaries to develop the material, and Edd Bailey (Vice President and Chief Actuary, Assurant Employee Benefits) joined me in making the presentation. Edd is a Group […]

What do the recent changes in interest rates mean for your portfolio?

July 23rd, 2013 by

Interest rates have risen in the last month or so, and bond prices have fallen. My recent blog posting provides a summary about what these changes mean for your portfolio, your full balance sheet, and your financial situation. Very briefly, you accumulate assets during your earning years to fund spending for college, retirement, and other […]

Update on Market Reaction to Evolving Federal Reserve Policy

June 25th, 2013 by

Last Wednesday, June 19, Ben Bernanke, Chairman of the US Federal Reserve Bank, held a news conference to discuss evolving Federal Reserve policy. I will not try to reproduce the precise language of the FOMC‘s statement, nor to parse or interpret it (the FOMC or Federal Open Market Committee is the Federal Reserve Board entity […]