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Sensible Perspectives

Getting the most out of Social Security

Posted by on July 30, 2019

At Sensible Financial we spend a lot of time thinking about and advising on Social Security. A search on our website yields over a dozen articles. For most Americans, Social Security is their largest asset. (If it is not your largest asset it is still likely to be a very large asset). Choosing when you […]

My parents involved me in the financial aid process and it paid off.

Posted by on July 26, 2019

It’s July, close to the beginning of college search season for high school juniors and seniors. I looked at colleges 6 years ago, and there were several aspects of my search that I found valuable: starting research early, discussing financial parameters with my parents, and applying to a broad, varied list. Maybe my experience will […]

What Is Your Backup Retirement Plan?

Posted by on June 26, 2019

This article originally appeared in Forbes.com. You’re happy in your career. You’re earning enough for now and putting money away for later. You feel productive. You like working. When asked, you say you have no plans to retire until you’re at least 65. Surprise! Things happen. You could confront health challenges that affect you or […]

Older adult living options, life care managers, and when it’s smart to make a plan

Posted by on June 26, 2019

Sensible Financial hosted Senior Living Options with Karen Wasserman of Your Elder Experts, who presented an overview of retirement facilities.

Should you buy a used car? If so, how old?

Posted by on June 25, 2019

How much you spend on vehicles over your lifetime can be significant. The more you spend, the fewer financial resources you’ll have in your lifetime budget to spend on other needs and wants. In my previous article, I looked at the financial impacts of buying new versus leasing. In summary, leasing and re-leasing a new […]

Finding Meaning After Full-time Work

Posted by on June 24, 2019

“Over the past century, we’ve created the greatest gift in the history of humanity — thirty extra years of life — and we don’t know what to do with it! . . . What we need is not to put off death a little longer but to write a new narrative of aging as it could […]

What Do I Need to Know About Continuing Care Retirement Communities?

Posted by on June 11, 2019

Last April, I began a seven-part series on CCRCs (Continuing Care Retirement Communities). Many of our clients were asking about retirement options and I decided CCRCs were a good place to start my research. In addition to reading about the subject, I spoke to senior living experts, CCRC administrators, and residents to ask them about […]

Protecting your legacy in case of an adult child’s divorce

Posted by on May 10, 2019

Recently, a client came to us with a problem. He had amassed a healthy portfolio and planned to leave it to his two children. He was worried that his daughter’s impending divorce might leave her portion of the inheritance vulnerable to her soon-to-be ex-husband. How do you protect your assets — and your children — […]

Sensible Scenarios: Law & Retirement

Posted by on May 7, 2019

Steve and Maria Henderson, both attorneys, have moved around a lot since they got married. There were colleges and law school, and then, internships and some pro-bono work in an economically depressed area of the US. Now they’re in Massachusetts and are considering making it their permanent home. They’re even contemplating making the switch from […]

Sensible Financial Named One of San Diego’s Top Financial Advisors for 2019

Posted by on April 24, 2019

Each year, AdvisoryHQ News’ editorial, research, and ranking teams identify and rank the top companies in financial services, wealth management, banking, investment management, accounting, consultancies, retail, financial advisory, and education. This year, they chose Sensible Financial for their list, 2019’s Top Financial Advisors & Wealth Management Firms in San Diego, CA. The publication lauded Sensible Financial […]