Sensible Financial Planning and Management

What Sensible Financial Planning and Management does

Sensible Financial Planning and Management is a Waltham, Massachusetts-based registered investment advisor (RIA) founded in 2002 that provides personalized wealth management and financial planning services to individuals and families. Its core offering centers on comprehensive financial planning and investment management, supplemented by a modular set of adjacent practices covering strategic tax planning, estate planning, retirement income planning, healthcare planning (including Medicare and long-term care), insurance and asset protection, and specialized advisory for women navigating major life transitions such as widowhood, divorce, remarriage, or sudden wealth. The firm is relationship-driven, serving retirees, pre-retirees, multi-generational families, and women investors primarily in the greater Boston area, with a credentialed advisory team holding designations such as CFP®, CFA®, J.D., MBA, and ChSNC®.

The firm generates revenue through asset-based advisory fees tied to assets under management (AUM), and distributed at the time of acquisition approximately $944M in AUM across an 11–50 employee base. Its go-to-market is sales-led and referral-driven, supported by educational content (books, guides, webinars, workshops) and a branded Women's Advisory Institute. There is no disclosed AI/ML capability, proprietary technology platform, or API offering; the only named integration is a ShareFile (Citrix) client portal for secure document exchange.

In Q3 2025, Sensible Financial Planning was acquired by Beacon Pointe Advisors, integrating the firm's book, team (including CEO Rick Miller), and Waltham office into Beacon Pointe's national registered investment advisor network as part of broader RIA consolidation activity. Following the acquisition, the firm's services are delivered through the Beacon Pointe platform.

Name

Sensible Financial Planning and Management

Legal name

Sensible Financial Planning

Website

https://sensiblefinancial.com

Company type

Private

Founded year

2002

Operating status

Acquired

Headcount range

11–50 employees

Short description

Sensible Financial Planning and Management is a Waltham, MA-based registered investment advisor providing personalized financial planning, investment management, tax, estate, retirement, and healthcare advisory services to retirees, pre-retirees, and women investors, managing approximately $944M in AUM and now part of Beacon Pointe Advisors following a Q3 2025 acquisition.

Ownership category

akta.pro rank

Headquarters

HQ city

Waltham

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Financial Advisory Services: As a registered investment advisor (RIA), Sensible Financial Planning generates revenue through financial advisory fees, typically based on assets under management (AUM). The firm was acquired by Beacon Pointe Advisors in 2025.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

Sensible Financial Planning and Management is a registered investment advisor (RIA) that delivers personalized, fee-based financial planning and investment management services to individuals and families. The firm's offerings are organized around a core financial planning and investment management platform, supplemented by specialized modules including strategic tax planning, estate planning, insurance and asset protection, retirement planning, and healthcare planning, with a particular focus on retirees, pre-retirees, and women navigating major life transitions.

Product overview

Sensible Financial Planning and Management operates as a registered investment advisor (RIA) providing comprehensive wealth management services. The firm offers a suite of financial advisory services organized around a core financial planning and investment management platform, supplemented by specialized modules including tax planning, estate planning, insurance/asset protection, retirement planning, and healthcare planning. Prior to its acquisition by Beacon Pointe Advisors in 2025, Sensible Financial Planning managed approximately $944M in assets under management (AUM) and served clients from its Waltham, MA location. The firm also maintained a distinct focus on serving women investors through major life transitions. All services are now offered through the Beacon Pointe Advisors platform following the acquisition.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Planning Comprehensive financial planning services including goal-setting, cash flow analysis, and personalized financial roadmaps for individuals and families.
• Investment Management Portfolio management and investment advisory services focused on asset allocation, risk management, and long-term wealth growth for individuals and families.
• Insurance and Asset Protection

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Partnerships

One partnership is on record.

• Beacon Pointe AdvisorscoreStrategic or Co-development Partner · 1 January 2025Sensible Financial Planning was acquired by Beacon Pointe Advisors in Q3 2025. The acquisition brought $944M in assets under management to Beacon Pointe's growing national network of registered investment advisors. The Sensible Financial Planning team, including managing directors Rick Fine and Rick Miller, joined Beacon Pointe Advisors as part of this transaction.

Scale indicators1 record

Recent moves4 records

Expansion highlights4 records

Broad incumbents

• Beacon Pointe Advisors: National RIA platform that acquired Sensible in 2025; provides comparable comprehensive financial planning, investment management, and family-office services across multiple U.S. offices and is now Sensible's parent organization.
• Brown Brothers Harriman Wealth Management: Multi-family-office and private banking wealth manager serving high-net-worth individuals with integrated investment management, trust, and estate planning services, comparable to Sensible's offerings for HNW families.
• Wealthspire Advisors: National RIA formed via roll-up, providing comprehensive wealth planning, investment management, and tax services to HNW households — comparable in platform-scale, multi-office distribution, and integrated planning.
• Mariner Wealth Advisors: Large national RIA offering financial planning, investment management, tax, and estate services to individuals, families, and institutions — directly comparable as a multi-office, full-service RIA peer.
• Edelman Financial Engines: Large-scale RIA combining traditional advisors with a digital planning platform, serving HNW and mass-affluent households with financial planning and investment management — comparable on integrated planning, differentiated by hybrid tech model.

Direct peers

• Crestwood Advisors: Boston-area RIA serving high-net-worth individuals and families with personalized financial planning, investment management, and retirement planning — directly comparable in geography, scale, and service model.
• Modera Wealth Management: Fee-only RIA offering comprehensive financial planning, investment management, and tax planning for individuals, families, and institutions — a closely matched fee-only RIA peer with similar client segmentation.
• Northstar Financial Planning: Boutique RIA providing personalized financial planning, investment advisory, and tax services to HNW individuals and retirees — a direct peer in size, service mix, and client type.
• Moneco: Fee-only RIA in the New England region offering retirement, tax, and estate planning for HNW individuals and families — a close geographic and service-mix peer to Sensible.

Emerging players

• Vanguard Personal Advisor: Hybrid digital/human advisory service from a low-cost asset manager that competes on fees and digital experience — adjacent emerging competitor that pressures traditional RIAs on pricing and client onboarding.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Sensible Financial Planning and Management