“In investing, you get what you don’t pay for.
Costs matter.”
WHY US
Sensible’s annual fee, which includes retirement planning and investment management, is based on the value of assets we manage:
Assets we Manage
Annual Fee
First $1 Million
0.70%
Above $1 Million
0.10%
For a $3,000,000 portfolio, Sensible’s annual fee would be $9,000. This results in an effective rate of 0.30% (30 basis points).
Clients can choose to have their fees deducted directly from their account or pay by credit card. Fees are collected monthly or quarterly.
Intelligent investing starts with minimizing fees, which include fees charged by mutual funds and advisors. A Morningstar study found that low fees tended to lead to higher returns.
This chart, prepared by the SEC,
shows how fees impact your returns.
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At Sensible, we control fees by recommending low-fee investments from Dimensional Fund Advisors and Vanguard, two world-class fund families. Our advisory fees are among the lowest in the industry.
Frequently Asked Questions
No. At Sensible, we provide world-class investment advice, using industry-leading fund families (Dimensional Fund Advisors and Vanguard). Our financial planning services rely on sophisticated software — the same software used by advisors charging many times our fees.
There may be, but not always. The investment advice we provide at Sensible is similar to the advice you would receive at high fee advisory firms. The financial planning advice we provide is more than adequate for the needs of our clients. If you have complex financial issues and require more extensive financial planning advice, a high fee advisory firm might be a better fit.
Both DFA and Vanguard are excellent fund families.
DFA was an early adopter of factor based investing. It believes equity dimensions with higher expected returns are small, value, and high profitability companies. Fixed income dimensions are term, credit and currency. Dimensional targets these dimensions in low-cost, broadly diversified strategies.
