October 19


Sense Financial Reviews: Is It Legit or a Scam?

What is Sense Financial Services LLC?

Sense Financial is the leader in Solo 401(k), and Checkbook IRA services. Their goal is to help individuals and businesses take control of their finances using proven Biblical principles.

The Sense Financial Checkbook IRA & Solo 401k products and services are smart solutions for your investment in real estate. They also give you more control over customers' retirement accounts by eliminating guardian fees.

Sense Financial has customers from all 50 states who can attest to the quality and professionalism of their staff.

If you sign up for Sense Financial, you can choose from any of these assets to invest your funds:

  • Real Estate
  • Hypothecary notes
  • Trust deeds
  • Precious metals
  • Private lending
  • Private business
  • Tax Deeds
  • Stocks and Funds

What Does Sense Financial Work Like?

You'll find their website. Sense Financial Services wanted to demonstrate that they were a strong Biblical company. They adhere to the following principles:

"Prosperity is possible through hard work and planning."

- Proverbs 21:5


"A sensible man is alert to problems and prepared to face them."

- Proverbs 27:12

Sense Financial opened their doors in 2005 and quickly realized that most Americans did not know what to do with their money, how to manage their retirement funds and how to protect them from taxation.

Sense Financial Services solved these problems by creating self-directed retirement plans for their clients who have "checkbook control" to reduce the impact of investment costs.

Sense Financial plan owners have the option to invest in real estate, trust notes, and other types of investment that suit their needs. All retirement plans they have are fully compliant with the IRS.

Pricing Plans

Unfortunately, the company does not provide detailed pricing information on their website. Their fees depend on how much money their clients invest.

It appears that they aren't hiding the fact that Solo 401k members will have to pay a $1,000 setup fee and $200 per year starting in the next year.


Most companies offering financial and investment services do not offer traditional refunds to their customers.

Customers should not trust financial companies when they say a particular investment is safe. They need to be aware that it is possible to lose their money.

If you believe you are entitled to a refund of any management or investment fees charged by the company, you will need contact their Customer Service department.

Contact Customer Service

Customers who have questions or concerns and wish to contact Customer Service can call 949-228-9394. They can also be emailed at [email protected] or submit them their concerns via the Contact Us link on their website.


There are many customer reviews about the services provided by this company, so anyone looking to become a customer can decide if it is right for them.

Companies often offer clients a free consultation to help them get a feel for what they can do for them.

Customers can also compare their company with others that offer similar services.


There are many companies that offer services such as Bloom to help people take control of their retirement savings... and Manulife to assist with retirement investments.

There are many companies that provide biblically-based investment services that can help people plan their finances. There are many financial services options available to customers.

What is Solo 401K?

A Solo 401(k), in its simplest form, is a retirement account that's created for those who are self-employed or have small businesses with only part-time workers. However, there are some differences between a solo and conventional 401(k).

These will be discussed later.

What is a Self-Directed IRA?

An Individual Retirement Account (SDIRA) gives you greater control over your investments and retirement savings.

How Does A Solo 401K Compare To A Self Directed IRA?

What is the difference between a Solo 401k and a Self-Directed IRA?

  • Both were created by Congress to help people save for retirement.
  • These can be used to invest in real estate, private company shares, and mutual funds.
  • Both are open to ROTH investments.
  • Both have control over your checkbook and can be used to make other investments.
  • Both cannot be used to invest under I.R.C. 408(m).

What is the difference between a Solo 401k and a Self-DirectedIRA?

  • To start a solo401k, you must be self-employed either full-time or part-time.
  • An IRA can be opened by anyone who has no self-employment income.
  • To manage IRA funds using an IRA checkbook, you will need to use a limited-liability company (or Checkbook IRA).
  • Solo 401k gives you checkbook control right from the beginning
  • An IRA cannot be used to purchase life insurance.

Sense Financial Customer Reviews

Beverly W. Mechanicsburg (PA)

Dmitriy Fomichenko and the Sense Financial team were very attentive to my queries. Dmitriy is a highly-trained machine. He will help you. Give him a call. I am so happy I used Sense Financial to help me with my 401k.

Corey M: Colleyville, TX

I would highly recommend Sense Financial to handle all your 401k investment and 401k needs. Dmitriy and his team were amazing. His team will help you every step of the way and his learning materials will be of great value.

Kevin F: East Bridgewater, MA

Dmitriy fomichenko is a genius, I believe. I was able set up my own account with Sense Financial's guides so easily. Although I have not yet set up a savings account, I know that I will after reviewing 4 other 401k companies. It's easy to do.

Isabella T: Fremont, CA

When we were looking to buy a house, we decided on a solo plan in 401k. Dmitriy, and his team, were a tremendous help.

Tony S. Skillman, NJ

Our Solo 401k plan was opened with Sense Financial in 2015. We couldn't have been happier. Our Solo 401k plan with Sense Financial has been a blessing. Dmitriy can help you with any questions that you might have.

Last Thoughts

Sense Financial Services LLC is without doubt the best provider for checking your checkbook IRAs. This is an excellent alternative for anyone who wants to take more control over their retirement plans and achieve financial freedom, particularly for self-employed people.

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