Why Us

Retirement is one of the biggest financial decisions you make.

Bigger than buying a car, or a home; retirement is one of the biggest financial decisions you make. And some of the decisions that go with it cannot be undone.

Putting together the pieces that go into a retirement income plan takes skill and training. We believe you benefit from working with specialists, and we are specialists in designing retirement income plans.

And remember, retirement planning doesn’t mean you must retire. It means you want to reach a point where you don’t have to go to work each day to earn a living. A point where you can choose what you want to do with your time, and how you want to contribute. Planning helps you determine when that point will occur.

We Wrote The Book

Our founder, Dana Anspach, is the author of Control Your Retirement Destiny, and of The Great Courses lecture series How to Plan for the Perfect Retirement.

The book was inspired by principles taught in the coursework that is required to acquire the Retirement Management Advisor (RMA®) designation. The general planning process used by Sensible Money planners is described in Dana’s book.

Find the Lecture Series

Mike Piper, CPA and author of Oblivious Investor blog and several personal finance books.
I'm a CPA who is currently working through the educational materials for the "Personal Financial Specialist" designation. Frankly, I think this book would have been a better textbook for the retirement planning course than the textbook that was used. This book is wonderfully thorough. It includes helpful discussions of retirement budgeting, retirement tax planning, Social Security claiming strategies, retirement portfolio management, and more. The chapter on tax planning alone is worth the price of admission.
Zvi Bodie, Professor of Economics, Boston University
It is a rare pleasure to read a book on personal finance with which I agree completely. Dana Anspach has produced one. I am usually turned off by the chapter on investing, which is typically false and misleading. Investing should always start from the safest strategy to achieve one's goals. Dana Anspach gets it right and expresses it in entertaining prose that anyone can understand and enjoy.
Jim Blankenship, CFP, EA, author of the Getting Your Financial Ducks in a Row blog and several personal finance books
If you’re looking for a nuts-and-bolts, do-it-yourself primer on all things related to retirement, this is your book. Ms. Anspach has put together a very complete overview of all of the areas that you need to consider in order to “Control Your Retirement Destiny”. By following the advice in this book, you can figure out how much money you need to have to retire, where to put it (meaning, what types of accounts to use), how to invest it, and all of the other important topics that you need to know about.
Olin B. Davis, Jr. CPA
Written in understandable terms by an author with no ax to grind, this book is the best book I have ever read on the subject of retirement. I am a CPA with 30+ years of experience and have been looking for a book like this for years. It is now required reading for all accountants in our office and is being recommended to our clients as well.

Focus on What Matters

We help you focus.

Bigger than buying a car, or a home; retirement is one of the biggest financial decisions you make. And some of the decisions that go with it cannot be undone. Putting together the pieces that go into a retirement income plan takes skill and training. We believe you benefit from working with specialists, and we are specialists in designing retirement income plans. And remember, retirement planning doesn’t mean you must retire. It means you want to reach a point where you don’t have to go to work each day to earn a living. A point where you can choose what you want to do with your time, and how you want to contribute. The right planning helps you get there faster.

Independent, Credentialed, Fee-Only

Would you want an advisor whose brokerage firm picks the mutual funds offered in their managed account because the mutual fund family pays to be on the brokerage firm’s platform? Of course, you wouldn’t.

We believe it’s important to work with an independent firm that puts the client’s best interests (what is called a fiduciary responsibility) at the forefront of their work.

Why Hire a Fee-Only Advisor

About Sensible Money

Getting Started

Our services start by completing a set of online Pre-Meeting Questions. Once we receive those we reach out to schedule a complimentary introductory meeting.

Upcoming Webinar

Thu, Jun 13, 2024 10:00 AM - 11:30 AM MST

What you will learn:

The Role of Annuities in Retirement Planning

See if We're a Good Fit for You

All of our services start with a complimentary consult