Business Details
Your Trusted Fiduciary Financial Advisors
Sensible Financial Planning operates as a fiduciary financial advisory firm dedicated to creating personalized financial strategies for clients. Our team of certified professionals prioritizes clients' interests through transparent fee structures, rigorous analytical approaches, and comprehensive planning that addresses retirement, investments, tax minimization, and estate planning. With offices in Massachusetts and California, we combine decades of industry experience with cutting-edge financial planning software to deliver tailored solutions. Our commitment to fiduciary responsibility ensures all recommendations focus on clients' long-term financial well-being without conflicts of interest from commissions or product sales. 
Services
Financial Planning
Portfolio Management
Retirement Planning
Tax Minimization
Estate Planning
Investment Guidance
Risk Management
College Savings
Social Security Optimization
Wealth Transfer
Highlights and features
- We operate as fiduciaries with transparent fee structures and no product commissions
- Our team includes multiple CFP professionals with decades of combined experience
- We utilize advanced financial planning software for precise, data-driven recommendations
- Our fee-only model ensures complete alignment with client interests
- We offer integrated financial planning covering retirement, investments, and estate strategies
What people say
Transparent pricing
Personalized strategies
Expert advisors
Comprehensive planning
Fiduciary responsibility
Services
Financial Planning
Our comprehensive financial planning service creates personalized strategies addressing retirement, investments, tax efficiency, and estate planning. We analyze clients' complete financial situations to develop actionable plans that align with their life goals. The process includes detailed cash flow analysis, risk management assessment, and long-term wealth optimization strategies.
Portfolio Management
We implement customized investment strategies based on clients' financial plans and risk tolerance. Our approach focuses on low-cost passive mutual funds, strategic asset allocation, and regular portfolio rebalancing. The service includes ongoing performance monitoring, tax-efficient investment selection, and comprehensive reporting to track progress toward financial goals.
Retirement Planning
This service specializes in creating sustainable retirement income strategies. We analyze Social Security optimization, pension options, and withdrawal sequencing to maximize retirement income. Our planning incorporates longevity considerations, healthcare cost projections, and required minimum distribution strategies to ensure financial security throughout retirement.
Tax Minimization
Our tax planning service focuses on reducing lifetime tax liabilities through strategic asset location, tax-loss harvesting, and retirement account optimization. We coordinate with tax professionals to implement strategies that enhance after-tax returns while maintaining compliance with evolving tax regulations and maximizing available tax-advantaged opportunities.
Estate Planning
We develop comprehensive estate plans to preserve wealth for future generations. The service includes analysis of federal estate tax implications, charitable giving strategies, and coordination with legal professionals to implement effective wealth transfer mechanisms while maintaining alignment with overall financial objectives.
People
Rick Miller
Founder and CEO
PhD economist and CFP professional with decades of experience in financial planning. Specializes in retirement income strategies and economic modeling for long-term financial security.
Rick Fine
Principal and Director of Financial Planning
RMA and CFP designee with expertise in financial planning software implementation and client portfolio management strategies for sustainable wealth growth.
Frank Napolitano
Senior Financial Advisor
JD and CFP professional with legal expertise in estate planning and tax-efficient wealth transfer strategies for high-net-worth clients.
Josh Trubow
Senior Financial Advisor
MSFP and CFP designee specializing in retirement planning and investment strategy implementation for pre-retirees and retirees.
Laura Williams
Senior Financial Advisor
CFP and ChSNC certified advisor focusing on financial planning for seniors and healthcare cost management in retirement planning.
Questions
What services does Sensible Financial Planning offer?
We provide financial planning, portfolio management, retirement planning, tax minimization strategies, and estate planning services tailored to individual client needs.
Are you fiduciary financial advisors?
Yes, we operate as fiduciaries with a legal obligation to prioritize client interests above all else in our advisory relationships.
How are your fees structured?
Our fees are transparent and based on asset levels for portfolio management, with one-time fees for financial planning services as detailed on our website.
Do you work with out-of-state clients?
Yes, we serve clients nationwide through virtual consultations and have offices in both Massachusetts and California.
What investment approach do you use?
We implement diversified, low-cost passive mutual fund portfolios with regular rebalancing to maintain strategic asset allocations aligned with client goals.
How often do you review financial plans?
We conduct annual progress reviews and provide ongoing financial guidance to adjust plans as clients' circumstances evolve over time.
