SensiblePortfolios

09/23/2026

Plenty of people have enough to retire and keep working anyway, because they don't quite believe the number yet.

Our newest article shares a simple way to check where you actually stand, so you can tell whether it's time to stop saving and start spending. We also tackle the three worries that keep people at their desks longer than they need to be.

If you're within ten years of retirement, it's a 4-minute read worth your time.

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Wondering when to stop saving and start spending in retirement? Here's a simple first step to find out if you've already reached that point.

09/04/2026

Most advisory firms can't afford to be simple—complexity is how they justify the fees.

Sensible never had that problem. From the very first client our founder, Darrell Armuth, took on, the plan was to give a straight answer, not some sales pitch. That hasn't changed since the 90s, even as the firm has evolved into something that Darrell and his daughter Lena Armuth now run together.

Together they've built something neither could have done alone—a firm where simplicity is not a marketing position but a genuine commitment to every person who walks through the door.
Our new brand is a way for us to share that story with the world.

This is "Sensible Brand Story Video" by Objective Brand on Vimeo, the home for high quality videos and the people who love them.

09/01/2026

We have some big news to share.

Everything we do here at Sensible hinges on one core belief: financial advice should be radically simple. It's not a new idea for us. In fact, it's been our guiding mission ever since we started this firm.

What is new is that our brand finally lines up with that belief. Clear, straightforward, and designed to bring our clients absolute certainty around retirement.

Thank you to each and every person who helped us accomplish this vision. We're excited to share this next chapter with you.

Read about the rebrand, explore the site, and let us know what you think: https://www.sensibleadvice.com/insights/a-clear-future-for-sensible/

08/21/2025

You saved $4 million for retirement, but you’re still unsure how much you can safely spend. So you assume retiring early isn’t possible.

Join Lena as she walks through Karen and Mark’s retirement case study to reveal what their true spending power looks like.

https://www.youtube.com/watch?v=ITNlSo17I6g&t=41s

Karen and Mark are in their early 60s with a $4 million retirement portfolio. While they’ve done a great job saving for retirement, like many retirees, they’...

06/04/2025

A common retirement planning question: Should You Draw Your IRA to Delay Social Security?

Here is Lena's take on it. She'll walk you through a case study retirement planning example to illustrate how we approach this question at SensiblePortfolios.

Timing Social Security is a key retirement decision, but it's often made in isolation. Many retirees overlook how IRA withdrawals fit into the picture or how...

04/30/2025

Question: My wife, a retired teacher with a pension of $5000 a month, turned 62 in September last year. Could she claim her benefit now and then convert to a higher spousal benefit in 2028 when I turn 67?

Answer: When your wife files for benefits, she will be deemed to be filing for all the benefits she is entitled to at that time. If she files now, she is not yet eligible for spousal benefits (based on your earnings record) since you have not started collecting your retirement benefits. In 2028, when you file at age 67, she would then be eligible for a spousal “top-off” amount if her own benefit amount is less than the spousal amount.

Send a message to learn more

02/03/2025

Are you making the most of your HSA? 🤔💰

Most people think of a Health Savings Account (HSA) as just a way to cover medical expenses—but it can be a secret weapon for retirement too.

Watch Lena’s latest video to learn how to maximize your HSA in retrirement 👇👀

https://www.youtube.com/watch?v=bed4ANdBuUc

Are you making the most of your Health Savings Account (HSA) for retirement planning? In this video, Lena reveal's how smart retirees are optimizing their HS...

12/11/2024

The scariest part of retirement planning? Not knowing what you don’t know.

Learn how retirees fall victim to this costly 401k rollover mistake.

Everyday investors are losing thousands in retirement savings—all because of this often overlooked 401k blunder. Watch the full video to learn how you can av...