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Sensible Financial Planning
Rick Fine and Rick Miller founded Sensible Financial Planning in 2005 as a registered investment advisor serving individuals, trusts, estates, and...
Sensible Financial Planning
Rick Fine and Rick Miller founded Sensible Financial Planning in 2005 as a registered investment advisor serving individuals, trusts, estates, and corporations. The firm never disclosed its founding wealth source, operating instead as a professional practice built on fee-based planning. It remained independent until its acquisition by Beacon Pointe Advisors, a larger consolidator of advisory practices. The firm deploys client capital across financial planning, investment management, insurance, asset protection, and strategic tax planning. Its investment approach spans equities, fixed income, and alternative assets through funds and separately managed accounts. The team serves retirees, pre-retirees, and women experiencing major life milestones such as losing a spouse or divorce. Geographic focus is concentrated in the greater Boston area, with deep experience in healthcare planning that reflects the region's dense medical ecosystem. Sensible operated a single office at 203 Crescent Street in Waltham, Massachusetts, with 22 professionals including multiple CFP, CFA, and ChSNC charterholders. In a recent structural shift, Sensible Financial Planning announced it has joined Beacon Pointe Advisors, integrating its team into a national platform with expanded resources while maintaining the Waltham office and local brand identity (per firm website, accessed 2026). The firm listed no disclosed AUM or deployment figures. Unlike most standalone RIAs, Sensible retained its partnership structure and local advisory team inside a larger consolidator, giving it both fiduciary independence and institutional backing. This hybrid architecture lets the practice access enterprise investment research and compliance infrastructure while preserving the personal relationships that drive its client base in Boston's competitive wealth market.
General information
Firm type
Bank / Wealth / Trust
Year founded
2005
AUM
Undisclosed
Location
Region
North America
Country
United States
City
Waltham
Corporate office
203 Crescent Street, Suite 404, Waltham, MA, 02453, USA
Principals
Rick Fine
Partner, Managing Director
Rick Miller
Partner, Managing Director
Sector focus
Frequently asked questions
Who runs investment decisions at Sensible Financial Planning?
The firm lists Rick Fine, CFP, RMA, and Rick Miller, PhD, CFP, as partners and managing directors. Senior strategic investment decisions draw on the expertise of Edward Samp, CFA, who holds the title of Senior Strategic Investment Advisor. Day-to-day portfolio construction is supported by a team of CFP and CFA charterholders including Frank Napolitano and Chris Andrysiak.
Is Sensible Financial Planning still an independent firm?
No. Sensible Financial Planning announced on its website that it has joined Beacon Pointe Advisors. It now operates as a local office of Beacon Pointe, retaining its Waltham location and advisory team while gaining access to the parent firm's platform and resources.
What client segments does Sensible Financial Planning serve?
The firm focuses on retirees, pre-retirees, and professionals throughout the greater Boston area. It has developed a notable concentration serving women going through major life transitions — specifically those who have lost a spouse, gone through a divorce, or are navigating the birth of a grandchild. The practice also serves individuals, pension plans, trusts, estates, and charitable organizations.
Does Sensible Financial Planning participate in fund commitments or only direct portfolios?
Sensible acts as a wealth manager and RIA rather than an institutional allocator. Client assets are managed through personalized portfolio construction that may span equities, fixed income, and alternative investments. The firm does not publicly disclose participating as a fund-of-funds or making direct private-market commitments.
What is Sensible Financial Planning's geographic footprint?
The firm operates a single office at 203 Crescent Street, Suite 404, Waltham, Massachusetts. Its client base is concentrated in the greater Boston area, and its website references deep experience serving local clientele with healthcare planning needs that reflect the area's hospital and biotech concentration.
How is Sensible Financial Planning related to Beacon Pointe Advisors?
Sensible Financial Planning is now part of Beacon Pointe Advisors, having announced its integration on the firm's website. The Waltham team continues to operate under the Sensible brand as a local advisory office, while leveraging Beacon Pointe's broader wealth-management infrastructure.
Does Sensible Financial Planning maintain a philanthropic or separate foundation?
The firm's public materials do not disclose any affiliated philanthropic structures, donor-advised fund programs, or separate foundations. Its known activities center on financial planning, investment management, insurance, and tax strategy for individual and family clients.
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