Sensible Financial Solutions, LLC

Sensible Financial Solutions, LLC provides financial planning and portfolio management primarily for individual clients and high‑net‑worth individuals, delivering written financial plans and ongoing review of investment goals and risk tolerance. The firm also arranges for third‑party portfolio management and model-based solutions by referring clients to unaffiliated managers such as GeoWealth and SmartHarvest and coordinating implementation and reviews.

The firm’s investment approach is mainly passive, building diversified portfolios from index mutual funds and ETFs with attention to asset allocation, tax considerations, and long‑term risk/return tradeoffs. It typically manages client accounts on a non‑discretionary basis—obtaining client approval before executing trades—but will facilitate discretionary management when clients engage recommended third‑party advisers or model portfolios (including SmartHarvest direct indexing and GeoWealth models).

Noteworthy for an independent firm of this type, the principals are licensed to sell annuities and life, disability, health, and long‑term care insurance and disclose engaging in commissionable insurance sales (reported as about 20% of their time), which the brochure identifies as a potential conflict of interest. The firm also offers services that are less common among peers—direct indexing with client‑level ESG/tax customization through SmartHarvest and access to GeoWealth’s model marketplace—while combining in‑house planning with outsourced investment management.