# Sensible Financial Planning

Sensible Financial Planning is a Bank / Wealth / Trust based in Waltham, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Waltham, United States
- **Region:** North America
- **Address:** 203 Crescent Street, Suite 404, Waltham, MA, 02453, USA
- **Founded:** 2005
- **Assets under management:** Undisclosed
- **Website:** sensiblefinancial.com
- **LinkedIn:** https://www.linkedin.com/company/sensible-financial-planning-and-management

## Regulatory record

- **Reports private funds:** No

## About

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.

## Sectors

- Real Estate
- Private Credit
- Hedge Funds
- Insurance

## People

- Rick Fine — Partner, Managing Director
- Rick Miller — Partner, Managing Director

## 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.

### 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.

## Related profiles

- [Sensible Capital](https://altss.com/profile/sensible-capital)
- [Sensible Money](https://altss.com/profile/sensible-money)

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Last updated: 2026-06-03T20:00:00.000Z

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