Sensible Money, founded in 2011, is an independently operated investment advisory firm registered with the U.S. Securities and Exchange Commission (“SEC”). We are principally owned by Dana Anspach. Sensible Money offers a variety of advisory services, which include financial planning and investment management services. These services are primarily offered under the following engagement types: The Juicing® Plan - An Initial Financial Plan - This is a one-time financial planning process delivered by Sensible Money over approximately ninety (90) to one hundred twenty (120) days, segmented based on the life-phase of the client.
• The Time to Drink planning service is for those already retired, or within 10 years of their desired retirement date. This is the typical client Sensible Money serves.
• The Filling Your Cup planning service is for those 10 or more years away from retirement who are focused on accumulation. This service is typically only available to adult children of Sensible Money clients. Under the Juicing® Plan, financial planning is covered over a series of one to four meetings where data is gathered, analyzed, and written recommendations are developed. In addition, software projections are used to create various “what if” scenarios to see the impact of various decisions. Most clients are required to go through a Juicing® Plan before engaging Sensible Money for investment management services. Upon completion of the Juicing® Plan, it is the client’s responsibility to engage Sensible Money for any additional advice or planning steps. Sensible Money does not initiate ongoing service or advice unless requested by the client. Juicing® PLUS - Ongoing Financial Planning with Investment Management - A typical Sensible Money client will engage the Firm first for a Juicing® Plan (described above) and then move into the Firm’s Juicing® PLUS service package. As set forth below, for those with an annual minimum fee of $12,500 or more, this is an ongoing comprehensive service where ongoing financial planning, tax planning and investment management are provided for one rate. This service best fits those with $1,000,000 or more in assets. Prior to Sensible Money rendering any of the foregoing advisory services, clients are required to enter into one or more written agreements with Sensible Money setting forth the relevant terms and conditions of the advisory relationship (the “Advisory Agreement”). As of December 31, 2023, Sensible Money had $515,475,000 of assets under management, all of which was managed on a discretionary basis. Financial Planning Services Sensible Money offers clients a broad range of financial planning services, which include any or all of the following functions:
• Retirement Planning
• Cash Flow Forecasting
• Financial Reporting
• Investment Consulting
• Insurance Planning
• Risk Management
• Charitable Giving
• Distribution Planning
• Tax Planning
• Education Planning As set forth above, these services are available on a stand-alone basis or in conjunction with investment management as part of a Juicing® PLUS engagement. In performing its financial planning services, Sensible Money is not required to verify any information received from the client or from the client’s other professionals (e.g., attorneys, accountants, etc.,) and is expressly authorized to rely on such information. Sensible Money recommends certain clients engage the Firm for additional related services and/or other professionals to implement its recommendations. Clients are advised that a conflict of interest exists for the Firm to recommend that clients engage Sensible Money or its affiliates to provide (or continue to provide) additional services for compensation, including investment management services. Clients retain absolute discretion over all decisions regarding implementation and are under no obligation to act upon any of the recommendations made by Sensible Money under a financial planning engagement. Clients are advised that it remains their responsibility to promptly notify the Firm of any change in their financial situation or investment objectives for the purpose of reviewing, evaluating, or revising Sensible Money’s recommendations and/or services. Investment Management Services Sensible Money manages client investment portfolios on a discretionary basis. As set forth above, these services are primarily provided in conjunction with financial planning as part of the Firm’s Juicing® PLUS engagement. In limited cases, a client may hire Sensible Money for investment management without financial planning or in conjunction with the construction of their initial Juicing® Plan, but in general, the Firm discourages investment decisions that are made without the benefit of a financial plan. In providing its investment management services, Sensible Money primarily allocates client

assets among various mutual funds and exchange-traded funds (“ETFs”). On a more limited basis, the Firm also recommends closed-end funds, individual bonds, certificates of deposit, actively managed funds, structured products, individual securities, and annuities (fixed, variable, and immediate). In managing client investments, the Firm utilizes independent investment managers (“Independent Managers”). Where appropriate, the Firm also provides advice about any type of legacy position or other investment held in client portfolios, but clients should not assume that these assets are being continuously monitored or otherwise advised on by the Firm unless specifically agreed upon. Clients can also engage Sensible Money to manage and/or advise on certain investment products that are not maintained at their primary custodian, such as variable life insurance and annuity contracts and assets held in employer sponsored retirement plans and qualified tuition plans (i.e., 529 plans). In these situations, Sensible Money directs or recommends the allocation of client assets among the various investment options available with the product. These assets are generally maintained at the underwriting insurance company or the custodian designated by the product’s provider. Sensible Money tailors its advisory services to meet the needs of its individual clients and seeks to ensure, on a continuous basis, that client portfolios are managed in a manner consistent with those needs and objectives. Sensible Money consults with clients on an initial and ongoing basis to assess their specific risk tolerance, time horizon, liquidity constraints and other related factors relevant to the management of their portfolios. Clients are advised to promptly notify Sensible Money if there are changes in their financial situation or if they wish to place any limitations on the management of their portfolios. Clients can impose reasonable restrictions or mandates on the management of their accounts if Sensible Money determines, in its sole discretion, the conditions will not materially impact the performance of a management strategy or prove overly burdensome to the Firm’s management efforts. Use of Independent Managers As mentioned above, Sensible Money selects certain Independent Managers to actively manage a portion of its clients’ assets. The specific terms and conditions under which a client engages an Independent Manager are set forth in a separate written agreement with the designated Independent Manager. That agreement can be between the Firm and the Independent Manager (often called a subadvisor) or the client and the Independent Manager (sometimes called a separate account manager). In addition to this brochure, clients will typically also receive the written disclosure documents of the respective Independent Managers engaged to manage their assets. As of the date of this Brochure, Sensible Money has selected a single Independent Manager on its clients’ behalf, Asset Dedication, LLC (“Asset Dedication”). The Firm utilizes Asset Dedication to carry out certain investment management functions on its behalf. Through this arrangement, the Firm recommends Asset Dedication’s investment strategies to clients, when appropriate based on each client’s individual needs. The Firm also utilizes Asset Dedication for operational support with client reporting, billing, and rebalancing. Any fees and minimums described in Asset Dedication’s disclosure documents are not applicable to Sensible Money’s clients, as Asset Dedication functions at the direction of Sensible Money. Asset Dedication bills Sensible Money directly for its services, which are included in Sensible Money’s fees, as described in Item 5, below. Accordingly, clients will not incur additional fees for Sensible Money engaging Asset Dedication as an Independent Manager. When selecting Independent Managers, Sensible Money evaluates a variety of information including the Independent Managers’ public disclosure documents, materials supplied by the Independent Managers themselves, and other third-party analyses that the Firm believes are reputable. To the extent possible, the Firm seeks to assess the Independent Managers’ investment strategies, past performance, and risk results in relation to its clients’ individual portfolio allocations and risk exposure. Sensible Money also takes into consideration each Independent Manager’s management style, returns, reputation, financial strength, reporting, pricing and research capabilities, among other factors. Sensible Money continues to provide services relative to the discretionary or non-discretionary selection of the Independent Managers. On an ongoing basis, the Firm monitors the performance of those accounts being managed by Independent Managers. Sensible Money seeks to ensure the Independent Managers’ strategies and target allocations remain aligned with its clients’ investment objectives and overall best interests.