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Former Fidelity SVP Joins Sensible Financial As Associate Advisor And Senior Director Of Strategy

December 13th, 2017 by
Former Fidelity SVP Joins Sensible Financial

Chris Andrysiak spent the first 25 years of his career working in big companies – Fidelity Investments, Braxton Associates / Deloitte Consulting, and Goldman Sachs — in consulting, finance, and strategic management roles.  He gained firsthand knowledge of how financial products are created, marketed, and sold by large financial companies.  He also learned a lot […]

How Will Proposed Tax Reform Affect Me?

December 13th, 2017 by
tax law changes

The US House and Senate are considering extensive income tax reform. The table below outlines current law and the bills for each chamber as they were at the close of business on Monday, December 4, and provides indications of the bill that has emerged as the “final deal” on Wednesday, December 13. While this “final […]

Sensible Financial Joins Mass Innovation Nights For a Night of FinTech Innovation

October 19th, 2017 by
Sensible Financial Mass Innovation Nights

Sensible Financial team members Rick Fine, Chris Andrysiak and Rick Miller recently served as experts at Mass Innovation Nights (#MIN102), a monthly gathering featuring startups and local innovators. The theme for the event was financial technology and financial literacy, and included 13 startups with exciting new fintech products. The financial literacy theme tied in nicely with […]

Rick Fine: From Intern to Shareholder

July 25th, 2017 by
Rick Fine

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 […]

WGBH Listeners: Download Sensible’s E-book

January 1st, 2017 by

Welcome WGBH Listeners! Did you hear us on WGBH, one of Boston’s public radio stations? Sensible Financial is proud to support public radio – a great source of news and information. Listen for our underwriting announcements this week. They will air during Morning Edition, Boston Public Radio, afternoon drive and over the weekend. You can also […]

Reverse Mortgages, Part 2: Increasing financial flexibility by leveraging the equity in your home

December 20th, 2016 by
Rick Fine - Medicare part D

In last month’s newsletter, I discussed reverse mortgages and attempted to clear up some common misconceptions about this product.  As I explained, reverse mortgages are loans offered by a commercial lender to an age 62+ homeowner using a portion of their home equity as collateral.  As long as the homeowner-borrower adequately maintains the home in […]

Reverse Mortgages: Increasing financial flexibility by leveraging the equity in your home

November 28th, 2016 by

If anyone had told me ten years ago that I would someday write favorably about reverse mortgages, I would have looked at them cross-eyed.  Very few financial products have been the source of so much bad press and consumer misunderstanding.  Variable annuities hold the top spot in this category.  As with variable annuities, some of […]

Thoughts on Financing Your Wedding

June 29th, 2016 by

Thoughts on Financing Your Wedding Summer time is here, and that means wedding season is upon us. Weddings are important life events and can also be large financial expenditures. I’ve been engaged to my fiancée for a year and a half, and our big day is coming up this Sunday, July 3. Here are some […]

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 […]