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Overview

Services

Advisor Services

  • Financial Planning
    • -Estate Planning
    • -Comprehensive Financial Planning
    • -Retirement Planning
    • -College Planning
    • -Charitable Planning
    • -Other Financial Planning
  • Portfolio Management
    • -Individuals and/or Small Businesses
    • -Other Portfolio Management

Funds

Funds Used With Clients

There are no funds listed for this advisor at this time.

Firm Client types

Qualifications

Experience

No timeline events available.
Employer Years Dates
Sensible Money, LLC 7 years, 3 months Jun 2012 - Present
Murphy Capital Advisors, LLC 11 months Jul 2011 - Jun 2012
Perspective Financial Services LLC 3 years, 3 months Apr 2008 - Jul 2011

Designations & Memberships

  • National Association of Personal Financial Advisors
    Membership
    National Association of Personal Financial Advisors
    NAPFA, the National Association of Personal Financial Advisors, is the nation’s leading organization dedicated to the advancement of Fee-Only comprehensive financial planning. Consumers and the media look to NAPFA for access to financial advisors who meet the highest standards for professional competency, comprehensive financial planning and Fee-Only compensation.
  • Certified Divorce Financial Analyst
    Designation
    Certified Divorce Financial Analyst
    Individuals holding this designation act as an advisor to one party's divorce lawyer, or as a mediator for both parties. Knowledge of tax law, asset distribution, and short and long-term financial planning are utilized to achieve an equitable settlement.
  • Certified Financial Planner
    Designation
    Certified Financial Planner
    A standard certification for advisors, designees are exposed to nearly 100 topics on integrated financial planning. Major topics include, but not limited to: insurance, employee benefits, securities, state and federal tax, estate tax and planning, asset protection, etc.

Articles and Answers

Insights by Robert Burger

There are no insights for this advisor to display at this time.

Answers

Ask a financial questionAsk a question
Is additional disability insurance necessary?
Hi Jacob, Thanks for the interesting question as I bet many readers question the same concern, especially if they are not single and someone else is dependent on their income. You should ask yourself what would happen if you were unable to work (become disabled) from a financial perspective. If t...  (more)
Answered Apr 2012
Should both spouses have life insurance coverage?
Tanya, great question. This is a situation that is often overlooked. I speak from experience as my mother passed during my teenage years (without insurance). My father had to assume both parenting roles and manage a career. I watched as he made career decisions that he may not have made if he di...  (more)
Answered Mar 2012
What is a well-balanced portfolio?
A diversified/well-balanced portfolio is in most cases the best solution. Your portfolio should include multiple asset classes. Typical asset classes include large and small capitalization stocks, international (developed and emerging markets), fixed income (domestic and international) and in many...  (more)
Answered Apr 2012
How diversified do my and my husbands portfolios need to be?
There are costs and benefits for either solution. The costs. If your portfolios are invested with the same goal(s) in mind, you may be duplicating or adding costs to the overall portfolio. You will potentially duplicate hard costs such as transaction fees. You may be incurring additional costs t...  (more)
Answered Apr 2012
How would my soon-to-be ex wife's bankruptcy impact my finances?
Wyatt. Although your question involves finances, the answers lie within the legal community. Therefore, I recommend seeking the advice of legal counsel in this situation.I will share some considerations I would ask if I were consulting with you during our divorce process. Was the debt originated...  (more)
Answered Mar 2012
Is alimony tax deductible?
I agree with Jim's and Pauls' response. I would like to add two other considerations that should be reviewed prior to final signing. If the alimony/spousal support changes substantially or ends within the first 3 years, you may be subject to recapture. If spousal support/alimony changes when child...  (more)
Answered Mar 2012
How often should I meet with my financial advisor?
Joaquin (and anyone considering this question), how often would you like to meet with an advisor? As you can see from the responses, this varies by advisor and circumstances. Asking this question during the interview may help you determine if the advisor is a good fit for your needs.Personally, I...  (more)
Answered Mar 2012
When should I have a financial adviser help with my divorce?
Hi Pablo, Thanks for the question. A properly conceived and executed divorce should be considered a process rather than an event, much like retirement. The process begins with the decision of how to divorce. Too many people believe an adversarial divorce is the only choice and solution. With th...  (more)
Answered Jun 2012
Planning a retirement?
I recommend investing in the creation of an individualized comprehensive financial plan. From first glance, it looks like you will successfully complete your goal of maintaining your desired lifestyle based on the facts provided. But sometimes looks can be deceiving. I made a few assumptions - yo...  (more)
Answered Apr 2012
What happens to the college savings plans we set up for our kids when we divorce?
The plans should not be impacted. Although one of the parents is most likely the owner, we consider 529 assets to be property of the children and do not include them in the divorce process other than to note them and address any questions the couple may have.I feel the best thing to do is to have...  (more)
Answered Mar 2012
Should I contribute to a 401k if I'm a foreign citizen?
Monju. You do not mention your US immigation status in your question. Let's assume you will not be subject to US taxation once you return home. How will you be taxed on assets in the country you are returning to? Will that taxing agency acknowledge the current tax deferred status? As an example...  (more)
Answered Mar 2012
    *Answers are submitted by advisors without compensation.

    Licenses & Conducts

    SEC
    U.S. Securities and Exchange Commission
    • license status
      Registered
    • disclosures
      None
    • as of date
      Apr 2, 2018
    FINRA
    FINRA
    • license status
      Not registered
    • disclosures
      None
    • as of date
      N/A
    Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:

    Assets

    Disciplined Money, LLC

    Last updated on July 7, 2017
      • $17.0M
        Total Assets Under Management
      • N/A
        Total Assets Under Advisement
      • 113
        Accounts
      • $150.4K
        Estimated Average Account Balance

    Fees

    Fee Only Advisor
    $
    This advisor has certified that they are compensated soley by their clients, and do not accept commisions or compensation of any kind based on the products they recommend.