Bigger than buying a car, or a home; retirement is the biggest financial decision you make. And many 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 that the average financial planner doesn’t have. What you need is a specialist, not a general practitioner. We’re specialists.
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.
Our founder, Dana Anspach, is the author of Control Your Retirement Destiny, now in its second edition. Reviews on Amazon by both consumers and other finance professionals describe it as the best retirement planning book they’ve ever read. Several personal finance professors use it as the text book for their courses.
The process we use is exactly what you see described in Dana’s book. It’s based on research and analytics, not on a hunch. The book was inspired by principles taught in the coursework that is required to acquire the Retirement Management Analyst (RMA®) designation.
Using these principles is so important to making sure a retirement plan works that planners at Sensible Money are both Certified Financial Planners (CFP®), and if they work with those near retirement, are also required to have their RMA® designation.
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.
When you focus on matters you can control, you see results.
We look at the factors that influence the success of your plan, and focus on areas where we know we can make an impact. We show you a before and after comparison so you can see which retirement planning decisions improve your outcomes. You don’t have to wonder if you’re doing the right thing; you’ll know.
We also put your proposed retirement income plan through three retirement readiness “tests” with defined parameters it must meet for us to feel confident that it will work across various market cycles. This is evidence-based planning – not guesswork.
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.
What about an advisor that puts you in a “separate account” stock trading platform – which pays no attention to taxes and the impact those trades have on the rest of your finances? No thanks.
Or how about an advisor who cannot give tax advice of any kind? Many brokerage firms prohibit their representatives from coordinating taxes with the investments and financial plan.
That’s why it’s important to work with an independent firm who puts the client’s best interests (what is called a fiduciary responsibility) at the forefront of their work.
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.All of our services start with a complimentary consult - Get Started