Your office is far away. Can I still work with you?

Our office is located in the Scottsdale – Phoenix area, however the ability to scan documents and conduct phone and internet meetings allows us to work with people across the country. If you are looking for an experienced financial advisor, and are comfortable building a relationship via phone and web, please reach out and start a conversation with us.

If I call, what should I expect?

Expect a friendly conversation! We’ll want to know what your financial goals are, about where you are at financially as far as assets and income, and what you would like to accomplish by working with a qualified financial advisor. After a discussion, we can decide if it makes sense to set up a complimentary introductory meeting.

Can you tell me what I should be investing in right now?

We believe the best investment you’ll ever make is hiring a good financial advisor. By helping you consistently make smart financial decisions across all aspects of your life we can add far more to your wealth than we ever could by trying to guess which stock is going to beat the market next year. To determine what you should be investing in, first we have to know what you need your money to do for you, and when you need it to do this task. Then and only then can we begin to match investments to your needs.

If I hire you, what should I expect?

Financial planning is an ongoing process of gathering information on your finances and on current tax laws and our economy, then looking at the variables that affect outcomes (such as inflation, early/late retirement, career changes), and seeing which decisions have the most potential to improve the outcome. We work through this process with clients on an ongoing basis, providing education and advice that can continuously help them make decisions to increase their wealth.

If I hire you, who will I work with?

You will have a primary advisor who is a Certified Financial Planner®. If you are nearing retirement, your service team will also involve an advisor who holds their Retirement Management Analyst or equivalent retirement specialty designation. Although you have a primary advisor, we work as a team so we may best utilize each person’s specialized knowledge on your behalf.

How are your services priced?

Our Juicing planning service covers a series of strategy meetings and is priced at $6,900. Our Juicing Plus service covers ongoing planning and investment management, and is priced at 1.25% on the first $1 million. Lower rates apply to balances in excess of $1 million.

Do you have to manage my investments for me to work with you?

When you hire us for financial planning services you are not required to move investments to us. When we reach the investment planning portion of your financial plan we ask if you would like to learn about our investment approach. At that point you have the opportunity to hire us to implement the investment portion of your plan.

What are the common industries and professions of Sensible Money clients?
  • Auto dealers
  • Attorneys (real estate, intellectual property, managing partners)
  • CPAs
  • Doctors (physicians, dermatologists, obgyn, surgeons)
  • Entrepreneurs/Business Owners (tech and construction industries)
  • Families who inherited funds
  • Working or retired executives, project managers, engineers and other professional staff from:
    • Abbott
    • Adobe
    • ConAgra Foods
    • Disney
    • FedEx
    • Honeywell
    • JP Morgan Chase
    • Medtronic
    • Qwest/Century Link
    • Verizon
    • Wells Fargo
    • Zimmer
What types of things do you give advice on?
  • Exercising stock options
  • Deciding when and how to take their pension benefits
  • Making deferred comp plan elections
  • Determining if Roth conversions make sense
  • Developing and implementing a plan to exit out of concentrated positions in company stock
  • Evaluating the value of an NUA distribution strategy for company stock in a retirement plan
  • Investing tax efficiently
  • Setting up a withdrawal plan including tax withholding, direct deposits, and a monitoring system
  • Calculating quarterly tax payments needed once retired
  • Allocating 401(k) investments
  • Refinancing, using home equity lines of credit, and reverse mortgages
  • Using existing annuities and evaluating annuity products in context of their plan
  • Purchasing or cancelling life insurance products
Where do your drawings come from?

Many of the sketches used on Sensible Money were inspired by the work of Carl Richards. You can find his original work at BehaviorGap.com. In 2012, Dana asked Carl to draw up a few ideas she had. He responded that we should do our own as there was no copyright on a sharpie and piece of paper! The team comes up with the ideas, and Jody Hulsey, a long-term employee with excellent handwriting, makes them look pretty!

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