{
  "crd_number": 287486,
  "slug": "sensible-financial-solutions-llc-kalkaska-mi-287486",
  "primary_business_name": "SENSIBLE FINANCIAL SOLUTIONS, LLC",
  "legal_name": "SENSIBLE FINANCIAL SOLUTIONS, LLC",
  "dbas": [],
  "city": "Kalkaska",
  "state": "MI",
  "country": "United States",
  "cbsa_code": "45900",
  "metro": {
    "cbsa_code": "45900",
    "common_name": "Traverse City",
    "msa_name": "Traverse City, MI",
    "path": "/advisors/mi/traverse-city"
  },
  "registration_type": "state",
  "registration_status": "APPROVED",
  "registration_date": "2017-03-21",
  "years_registered": 9,
  "period": "2026-10-01",
  "filing_date": "2026-01-20",
  "carried_forward": false,
  "raum_total": 585335.0,
  "raum_discretionary": 0.0,
  "raum_non_discretionary": 585335.0,
  "raum_band": "under_25m",
  "raum_band_label": "Under $25 million",
  "total_employees": 1,
  "advisory_employees": 1,
  "client_count_bucket": null,
  "clients_by_type": {
    "individuals": {
      "raum": 585335.0,
      "count": 3
    }
  },
  "compensation_types": [
    "hourly",
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "financial_planning",
    "portfolio_management_individuals"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 0,
  "states_registered": [
    "MI"
  ],
  "websites": [
    "https://facebook.com/SENSIBLE-AND-HOURLY-151892625437312",
    "https://linkedin.com/in/dawn-moses-9869b2a2",
    "https://sensibleandhourly.com"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/287486",
  "city_as_filed": "KALKASKA",
  "url": "https://advisorcensus.com/firm/sensible-financial-solutions-llc-kalkaska-mi-287486",
  "display_name": "Sensible Financial Solutions, LLC",
  "summary": "Sensible Financial Solutions, LLC is a state-registered investment advisory firm in Kalkaska, MI, registered since 2017, reporting under $25 million in regulatory assets under management in its Form ADV filing dated January 20, 2026.",
  "citation": "AdvisorCensus. Sensible Financial Solutions, LLC (CRD 287486): Form ADV filing data as of October 2026.",
  "registration_type_label": "State-registered investment adviser",
  "compensation_labels": [
    "A percentage of assets under your management",
    "Hourly charges"
  ],
  "advisory_activity_labels": [
    "Financial planning services",
    "Portfolio management for individuals and/or small businesses"
  ],
  "quick_answers": [
    {
      "q": "How is Sensible Financial Solutions, LLC compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), Sensible Financial Solutions, LLC reports these compensation arrangements: a percentage of assets under its management; hourly charges. The amounts are in Item 5 of its Form ADV Part 2A brochure."
    },
    {
      "q": "Where is Sensible Financial Solutions, LLC located?",
      "a": "Sensible Financial Solutions, LLC's principal office is in Kalkaska, MI, according to its Form ADV."
    },
    {
      "q": "Is Sensible Financial Solutions, LLC registered with the SEC or a state?",
      "a": "Sensible Financial Solutions, LLC is a state-registered investment advisory firm, registered since 2017. Status as filed: APPROVED. CRD 287486."
    },
    {
      "q": "How much does Sensible Financial Solutions, LLC manage?",
      "a": "Sensible Financial Solutions, LLC reports $585,335 in regulatory assets under management in its Form ADV filing dated January 20, 2026 (0% discretionary)."
    },
    {
      "q": "What types of clients does Sensible Financial Solutions, LLC serve?",
      "a": "By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (3)."
    },
    {
      "q": "Does Sensible Financial Solutions, LLC report any disciplinary disclosures?",
      "a": "Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's public record on IAPD: https://adviserinfo.sec.gov/firm/summary/287486"
    }
  ],
  "filing_history": [],
  "recent_changes": [],
  "fees_from_brochure": null,
  "custodians": [],
  "custodians_note": null,
  "markdown_url": "https://advisorcensus.com/firm/sensible-financial-solutions-llc-kalkaska-mi-287486.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 3,
      "fewer_than_5": false,
      "raum": 585335.0
    }
  ],
  "disclosure_line": "Reports no disclosure items on Form ADV Item 11.",
  "disclosure_items": [],
  "indexable": true,
  "suppressed": false,
  "claimed": false,
  "enhanced": false,
  "provided_by_the_firm": null,
  "source": {
    "name": "Form ADV",
    "as_of": "2026-10-01",
    "iapd_url": "https://adviserinfo.sec.gov/firm/summary/287486",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}