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Sensible Financial Planning & Management, LLC.

CIK:0001567738
Investment Adviser
$885M AUM
37 holdings
Waltham, MA, United States
Founded:2002
18 employees
Latest filing:Jun 30, 2025

Sensible Financial Planning & Management, LLC is a US-based registered investment adviser headquartered in Waltham, Massachusetts. Founded in 2002, the firm specializes in providing comprehensive financial planning and investment management services primarily to individuals, including those with high net worth, as well as a limited number of charitable organizations. Sensible Financial employs approximately 18 professionals and is known for its client-centric, analytical, and evidence-based approach to investment advice.

Investment Strategy

Sensible Financial employs a disciplined, evidence-based investment management strategy that emphasizes broad diversification, low-cost index funds, and asset allocation tailored to each client's financial goals and risk tolerance. The firm constructs globally diversified portfolios, focusing on minimizing costs and taxes while maximizing the probability of clients achieving their desired long-term financial outcomes. Sensible Financial avoids market timing and relies on academic research to guide its asset selection and rebalancing strategies.

Latest 13F Filing Activity

Sensible Financial Planning & Management, LLC. filed their most recent 13F report on Jun 30, 2025 disclosing 35 equity positions with a total 13F market value of $527M. The fund increased holdings in Ishares TR, Vanguard Index FDS, Vanguard Charlotte FDS among other positions. Sensible Financial Planning & Management, LLC. reduced exposure to Ishares TR, Dimensional Etf Trust, Vanguard Scottsdale FDS among others.

Top Buys
M
MBBISHARES TR
+$4.6M
V
VOOVANGUARD INDEX FDS
+$3.7M
B
BNDXVANGUARD CHARLOTTE FDS
+$3.2M
M
MTUMISHARES TR
+$2.7M
V
VTIVANGUARD INDEX FDS
+$2.3M
Top Sells
U
USIGISHARES TR
-$944.7K
D
DFIPDIMENSIONAL ETF TRUST
-$676.4K
V
VTCVANGUARD SCOTTSDALE FDS
-$583.0K
S
SCHHSCHWAB STRATEGIC TR
-$582.6K
B
BNDWVANGUARD SCOTTSDALE FDS
-$562.0K

Top Holdings

S
SCHPSCHWAB STRATEGIC TR
+15.3%$80.6M
B
BNDXVANGUARD CHARLOTTE FDS
+15.1%$79.5M
U
USIGISHARES TR
+13.6%$71.6M
M
MBBISHARES TR
+13.2%$69.3M
V
VOOVANGUARD INDEX FDS
+4.6%$24.3M

Equity Positions (35)

TickerSecurityWeightMarket ValueSharesAvg CostPriceChange (QoQ)
SCHWAB STRATEGIC TR15.31%$80.6M3,021,995$28.36$26.68-$177.2K
VANGUARD CHARLOTTE FDS15.09%$79.5M1,605,019$53.28$49.51+$3.2M
ISHARES TR13.60%$71.6M1,392,426$52.09$51.44-$944.7K
ISHARES TR13.16%$69.3M738,128$97.23$93.89+$4.6M
VANGUARD INDEX FDS4.61%$24.3M42,741$281.43$568.03+$3.7M

Industry Allocation

MISCELLANEOUS CHEMICAL PRODUCTS
+0.3%