DFX Intelligence

RIA Intelligence

Registered investment advisers, the advisors registered through them, the capital they report, the private vehicles they run and the people who own them, as a graph with a filing date behind every number. RAUM is what the adviser filed, a move is two registration dates, and a class is a rule you can read.

Former SEC-registered adviser

Sensible Financial Planning And Management, LLC

Former SEC-registered adviserWaltham, MassachusettsCRD 120766SEC 801-64149websiteIAPD
Latest filing May 28, 2025
First filing on the tape Feb 8, 2012 · 29 filings
SEC status approved since Apr 18, 2005
RAUM
$885M
reported, Item 5.F
Discretionary
98%
of RAUM
Private clients
99%
$880M individuals and HNW
Advisors
0
registered through the firm on IAPD
RAUM per advisor
n/a
derived; firm RAUM over IAPD count
Employees
20
14 advisory (5.B.1)
Offices
1
beyond the principal office
Private funds
0
reported on Schedule D
History
29 filings and snapshots on the tape
RAUM$885M as of May 28, 2025
Mar 15, 2012$251M then
HNW client RAUM$835M as of May 28, 2025
Mar 7, 2018$301M then
State-registered IARs (5.B.3)14 as of May 28, 2025
Mar 15, 20120 then
Employees (5.A)20 as of May 28, 2025
Mar 8, 20134 then
Private funds: no history
RAUM +14% over the last fiscal year+6.6% a year over threeIARs 14 to 14
Practice profile
derived from the filing of May 28, 2025; every figure names its basis
RAUM per advisor
$63.2MderivedRAUM over IAPD advisors; not a book size
Clients per advisor
25derivedindividual and HNW clients (5.D) over advisors
Average HNW client
$3.2MderivedHNW RAUM over HNW clients
Average account
$527,360derivedRAUM over accounts (5.F.2.f)
Discretionary
98%derivedof RAUM
Institutional
0.7%derivedpensions, charities, corporations, government, insurance, banks, other advisers
Employees per advisor
1.4derivedItem 5.A over advisors
Advisors per office
7.0derived2 offices incl. principal (1.F.5)
RAUM growth, one year
+14%derivedbetween the last two annual amendments
Advisor growth, one year
+0.0%derivedItem 5.B.3 between annual amendments
Client growth, one year
+5.5%derived
Compensation
percentage of assets, hourly, fixed feesreportedItem 5.E
Advisory activities
financial planning, portfolio management for individuals, portfolio management for businesses and institutions, pension consultingreportedItem 5.G
Ownership
no PE, bank or public-company owner found on Schedule Aderived
Advisor book size
not public; not estimatedreported
Also answered yes on Form ADV
  • buys or sells securities as principal to or from clients (8.A.2)
  • has discretionary authority over which securities are bought or sold (8.C.1)
  • receives research or other products from a broker-dealer, soft dollars (8.E)
  • has custody of client securities (9.A.1.b)
Where the RAUM sits
Form ADV Item 5.D, latest filing
  • High-net-worth individuals$835M94%
  • Individuals$44.9M5.1%
  • Charitable organizations$5.9M0.7%
Individual clients
88reported
HNW clients
257reported
Pension plan clients
n/areported
Charitable clients
2reported
Accounts
1,679reported
Financial planning clients
101-250reported
Wrap fee programs
noreported
Custody of client assets
noreported
Compensation
% of AUM, fixed, hourlyreported
Class basis
absent from the latest SEC rosterderived
Advisors registered through the firm
0 on IAPD today, longest tenure first
No representative is registered through this CRD on IAPD.
Advisor movement
13 left, 0 joined in 12 months
net -13 in 12 months0 left in 90 days0 joined in 90 days14 left over 36 months
Left, latest
Joined, latest
Every departureEvery arrival
Teams: two or more advisors moving together within fourteen days, from one state
    Teams outTeams in
    Private funds
    No private fund reported.
    Owners and control persons
    Schedule A and B, latest filing
    • Charles Luce · Associate Director Of Business Operations And Chief Compliance Officercontrol
      since 02/2017 · owns less than 5%
    • Hotchkiss Frederick Jr. Miller · Managing Member And Ceocontrol
      since 03/2002 · owns 75% or more
    • Donald Richard Fine · Financial Planner And Senior Advisor
      since 09/2003 · owns 10% to 25%
    Related persons
    Schedule D 7.A
    No related person reported.
    Office movement
    IAPD branch city; joins and departures in 12 months
    OfficeAdvisorsJoinedLeftTeams outForming
    San Diego, Ca001
    Waltham, Ma · principal00121
    Offices
    Schedule D 1.F, the 25 largest
    • San Diego, CA1 employees
    What changed
    consecutive filings, newest first
    • Financial planning clients · 101-250 to 101-250
      Feb 6, 2025 to May 28, 2025
    • Accounts · 1,597 to 1,679
      Mar 2, 2024 to Feb 6, 2025
    • HNW clients · 247 to 257
      Mar 2, 2024 to Feb 6, 2025
    • Individual clients · 80 to 88
      Mar 2, 2024 to Feb 6, 2025
    • Assets in custody · $319M to $295M
      Mar 2, 2024 to Feb 6, 2025
    • Employees · 18 to 20
      Mar 2, 2024 to Feb 6, 2025
    • Discretionary RAUM · $761M to $869M
      Mar 2, 2024 to Feb 6, 2025
    • HNW RAUM · $730M to $835M
      Mar 2, 2024 to Feb 6, 2025
    • Individual RAUM · $36.4M to $44.9M
      Mar 2, 2024 to Feb 6, 2025
    • Non-discretionary RAUM · $14.4M to $16.7M
      Mar 2, 2024 to Feb 6, 2025
    • RAUM · $775M to $885M
      Mar 2, 2024 to Feb 6, 2025
    • Accounts · 1,731 to 1,597
      Nov 6, 2023 to Mar 2, 2024
    • Advisory employees · 13 to 14
      Nov 6, 2023 to Mar 2, 2024
    • HNW clients · 238 to 247
      Nov 6, 2023 to Mar 2, 2024
    • Individual clients · 87 to 80
      Nov 6, 2023 to Mar 2, 2024
    • Assets in custody · $265M to $319M
      Nov 6, 2023 to Mar 2, 2024
    • Custody of client assets · true to false
      Nov 6, 2023 to Mar 2, 2024
    • State-registered IARs · 13 to 14
      Nov 6, 2023 to Mar 2, 2024
    • Discretionary RAUM · $665M to $761M
      Nov 6, 2023 to Mar 2, 2024
    • HNW RAUM · $658M to $730M
      Nov 6, 2023 to Mar 2, 2024
    • Individual RAUM · $42.2M to $36.4M
      Nov 6, 2023 to Mar 2, 2024
    • Non-discretionary RAUM · $40.8M to $14.4M
      Nov 6, 2023 to Mar 2, 2024
    • RAUM · $705M to $775M
      Nov 6, 2023 to Mar 2, 2024
    • Accounts · 1,568 to 1,731
      Mar 11, 2022 to Mar 2, 2023
    • Advisory employees · 10 to 13
      Mar 11, 2022 to Mar 2, 2023
    • HNW clients · 227 to 238
      Mar 11, 2022 to Mar 2, 2023
    • Individual clients · 69 to 87
      Mar 11, 2022 to Mar 2, 2023
    • Assets in custody · $276M to $265M
      Mar 11, 2022 to Mar 2, 2023
    • Employees · 16 to 18
      Mar 11, 2022 to Mar 2, 2023
    • State-registered IARs · 12 to 13
      Mar 11, 2022 to Mar 2, 2023
    • Discretionary RAUM · $684M to $665M
      Mar 11, 2022 to Mar 2, 2023
    • HNW RAUM · $696M to $658M
      Mar 11, 2022 to Mar 2, 2023
    • Individual RAUM · $29.4M to $42.2M
      Mar 11, 2022 to Mar 2, 2023
    • Non-discretionary RAUM · $46.3M to $40.8M
      Mar 11, 2022 to Mar 2, 2023
    • RAUM · $731M to $705M
      Mar 11, 2022 to Mar 2, 2023
    • Accounts · 1,412 to 1,568
      Oct 25, 2021 to Mar 11, 2022
    • HNW clients · 207 to 227
      Oct 25, 2021 to Mar 11, 2022
    • Individual clients · 68 to 69
      Oct 25, 2021 to Mar 11, 2022
    • Assets in custody · $256M to $276M
      Oct 25, 2021 to Mar 11, 2022
    • Employees · 14 to 16
      Oct 25, 2021 to Mar 11, 2022
    Signals
    18 dated events
    • Sensible Financial Planning And Management, Llc no longer on the SEC adviser roster (last listed 2026-03-02, RAUM $885.4M)
      Apr 1, 2026 · Left the SEC roster · derived
    • Frederick Hotchkiss Miller left Sensible Financial Planning And Management, Llc for Beacon Pointe Advisors, Llc (registered 2025-10-27)
      Mar 6, 2026 · Advisor changed firm · fact
    • Richard Donald Fine left Sensible Financial Planning And Management, Llc for Beacon Pointe Advisors, Llc (registered 2025-10-02)
      Mar 6, 2026 · Advisor changed firm · fact
    • 2 advisors left Sensible Financial Planning And Management, LLC (Waltham, MA) for Beacon Pointe Advisors, LLC on the same day
      Mar 6, 2026 · Team lift-out · derived
    • Frank Carmine Napolitano left Sensible Financial Planning And Management, Llc for Beacon Pointe Advisors, Llc (registered 2025-10-14)
      Oct 28, 2025 · Advisor changed firm · fact
    • Marina Cekani left Sensible Financial Planning And Management, Llc for Beacon Pointe Advisors, Llc (registered 2025-10-17)
      Oct 28, 2025 · Advisor changed firm · fact
    • Marie Elizabeth St. Clare left Sensible Financial Planning And Management, Llc for Beacon Pointe Advisors, Llc (registered 2025-10-15)
      Oct 28, 2025 · Advisor changed firm · fact
    • Olivia Martha Harrison left Sensible Financial Planning And Management, Llc for Beacon Pointe Advisors, Llc (registered 2025-11-07)
      Oct 28, 2025 · Advisor changed firm · fact
    • Edward Joseph Samp left Sensible Financial Planning And Management, Llc for Beacon Pointe Advisors, Llc (registered 2025-11-13)
      Oct 28, 2025 · Advisor changed firm · fact
    • Aimee Plouffe Polley left Sensible Financial Planning And Management, Llc for Beacon Pointe Advisors, Llc (registered 2025-11-04)
      Oct 28, 2025 · Advisor changed firm · fact
    • Brandon Charles Garneau left Sensible Financial Planning And Management, Llc for Beacon Pointe Advisors, Llc (registered 2025-10-29)
      Oct 28, 2025 · Advisor changed firm · fact
    • Brendan Walter Gybbon Spilsbury left Sensible Financial Planning And Management, Llc for Beacon Pointe Advisors, Llc (registered 2026-01-02)
      Oct 28, 2025 · Advisor changed firm · fact
    • Laura Elizabeth Williams left Sensible Financial Planning And Management, Llc for Beacon Pointe Advisors, Llc (registered 2025-10-15)
      Oct 28, 2025 · Advisor changed firm · fact
    • Joshua Sansby Trubow left Sensible Financial Planning And Management, Llc for Beacon Pointe Advisors, Llc (registered 2025-11-04)
      Oct 28, 2025 · Advisor changed firm · fact
    • Christopher Carl Andrysiak left Sensible Financial Planning And Management, Llc for Beacon Pointe Advisors, Llc (registered 2025-11-04)
      Oct 28, 2025 · Advisor changed firm · fact
    • Sensible Financial Planning And Management, LLC's advisors moved to Beacon Pointe Advisors, LLC (Waltham, MA): 10 of 13 registered, on the same day
      Oct 28, 2025 · Firm absorbed (people side) · derived
    • Kelly Marie Robertie left Sensible Financial Planning And Management, Llc for Edelman Financial Engines (registered 2026-07-27)
      May 27, 2025 · Advisor changed firm · fact
    • Sensible Financial Planning And Management, Llc reported RAUM $535.8M, up 26% from $426.2M (2019-02-01 to 2020-03-23)
      Mar 23, 2020 · RAUM change · derived
    Across DFX
    shared identifiers only, never a name match
    No identifier-backed link to the venture, private equity, family office or sponsor graphs.
    Provenance
    Form ADV
    SEC filing data 2011 to 2024 and the monthly roster 2025 onreportedadviserinfo.sec.gov
    Advisors
    IAPD individual compilation feed, dailyreportedadviserinfo.sec.gov
    Class
    Former SEC-registered adviserderiveda rule over Items 5.D and 7.A
    RAUM per advisor
    n/aderivedfirm RAUM over the IAPD count; not a book size
    Loaded
    Sep 14, 2026