Sensible Money is an independent registered investment advisor founded in 2011 and based in Scottsdale, Arizona. The firm specializes in helping individuals transition into and navigate retirement through a service called The Juicing Experience, which combines ongoing financial planning and investment management into a single integrated offering. The planning process includes building a personalized financial model, cash flow forecasting, retirement planning, tax planning, insurance evaluation, and charitable giving strategies. For investments, Sensible Money uses a diversified mix of mutual funds, exchange-traded funds, individual bonds, treasury securities, and certificates of deposit, often utilizing a liability-driven investing strategy designed to align portfolios with planned retirement withdrawals. The firm primarily serves individuals and families, particularly those near or in retirement, requiring a minimum annual fee of $12,500, which is generally designed for clients with $1,000,000 or more in assets.
Fee Structure
Sensible Money provides investment management integrated with financial planning through its ongoing service called The Juicing Experience. The firm charges a minimum annual fee of $12,500, which is typically covered by an asset-based fee calculated as a percentage of your portfolio.
Key details of the investment management fee structure:
- Minimum Annual Fee: $12,500 per year, which may be waived or adjusted for portfolios under $1,000,000 based on factors such as expected future earning capacity or overall household assets.
- Upfront Deposit: A $1,200 initial deposit is required upon signing, which counts toward the overall fees.
- Billing: Fees are prorated and charged quarterly in advance based on the value of your portfolio on the last day of the prior quarter.
- Early Termination: If you complete the initial plan design but choose not to transfer assets for ongoing management within 30 days, the remaining balance of the $12,500 minimum fee will be due for planning services rendered.
