Questions and answers.

How will I know when you place a trade in my account?

Either TD AMERITRADE Institutional or Fidelity Investments will notify you by mail or email each time SensiblePortfolios makes a trade in your account. You do not need to contact anyone when you see a trade has been made. Should you have a question, please contact us by phone or email.

How often do you re-balance my account?

We compare each portfolios allocation to its target each quarter. The decision to rebalance will depend on the dollar amount to be reallocated, future contributions or withdraws, and potential tax consequences in a taxable account.

Can I customize my account?

No, each account is assigned an investment model. Clients can move into different investment models, however, we do not customize individual accounts.

Sensible offers four investment strategies, each of which have a number of portfolios available based on different risk tolerance.

How often do I receive statements and reports?

SensiblePortfolios performance reports are availble to clients through a secured web portal. These reports are updated daily. For an additional fee, clients can receive a hard copy of this report each quarter.

Our custodians, TD AMERITRADE Institutional or Fidelity Investments , send out monthly statements for each account. They also offer web access to account information.

Is there a cost to terminate the agreement if I am not satisied with your services?

No, either party can terminate the Agreement at any time and for any reason. There are no termination charges. A final invoice will be drafted based on the number of days during the current quarter that the account was under management.

Are there any hidden fees or expenses that I should know about?

No, we disclose all fees and expenses deducted from your account when you become a client.

Basically there are three types of fees/expenses deducted from your account:

The SensiblePortfolio advisor management fee.
The mutual fund manager's fees and expenses.
The transactional trading fees assessed by the account custodian.

Are you affiliated with Dimensional Fund Advisors?

Sensible has no financial relationship with Dimensional. No fees are paid to or received from Dimensional. We have been granted approval by Dimensional to trade their products.

We use Dimensional products because we believe they are the leaders in the passive approach to investing.

Is SensiblePortfolios insured?

All Sensible accounts are insured on multiple levels. Our two custodians have extensive coverage that is explained in their public brochures. SensiblePortfolios also carries Errors and Omissions insurance.

Does SensiblePortfolios have a minimum account size?

We like to work with Clients who have $250,000 or more to invest, but accept lesser minimums on a case-by- case basis.

Don't see your question here? Then ask SensiblePortfolios^®.