“In investing, you get what you don’t pay for.
Costs matter.”

– John Bogle
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WHY US

You get what you pay for.” It’s a mantra that applies to many things in life. But not necessarily to financial advisors.
Low fees will save you hundreds of dollars each month:

Portfolio size

Annual fee

$0 - $299,999.99
.43 of one percent (43 basis points)
$300,000.00 - $999,999.99
.35 of one percent (35 basis points)
$1,000,000.00 - $1,999,999.99
.30 of one percent (30 basis points)
$2,000,000.00 and above
$6,000.00 fixed annual fee
We offer retirement planning for a separate fee based on the complexity of the plan.
A Low-Cost Advisor's Perspective on High Fees

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.

The Securities and Exchange Commission (SEC) offers this advice regarding fees:
"Along with the other factors you think about when choosing either a financial professional or a particular investment, be sure you understand and compare the fees you’ll be charged."

This chart, prepared by the SEC,
shows how fees impact your returns.

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

Do lower advisory fees compromise the service I will receive?

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.

Are there differences in the level of service provided between high-fee and low-fee DFA authorized advisors?

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.

Are DFA funds better than Vanguard?

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.