# Oscar Vives Ortiz

> Oscar Vives Ortiz is a fee-only financial advisor at Sensible Money in Riverview, Florida, who holds the CFP and PFS credentials. Oscar focuses on retirement planning and tax planning. Sensible Money reports charging a percentage of assets and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/oscar-vives-ortiz/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Sensible Money
- **Based in:** Riverview, Florida
- **Fee model (firm's Form ADV):** Percentage of assets; Fixed fees
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $742.5M across 1,416 accounts
- **Credentials:** CFP, PFS
- **Specialties:** Retirement planning, Tax planning
- **Works with:** Retirees, Pre-retirees
- **CRD:** 6439374 (https://adviserinfo.sec.gov/individual/summary/6439374)
- **SEC registration:** Investment adviser representative in FL
- **Exams passed:** Series 66 (2016)
- **Firm size:** 16 employees
- **Disclosures:** None reported
- **Website:** https://www.sensiblemoney.com/

## Frequently asked questions

### Is Oscar Vives Ortiz a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Oscar holds no broker registration, and Sensible Money reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Oscar charge for financial advice?

Oscar's firm, Sensible Money, reports charging a percentage of assets and fixed fees on its SEC Form ADV.

### Where is Oscar Vives Ortiz based?

Oscar Vives Ortiz is based in Riverview, Florida.

### What does Oscar specialize in?

Oscar's specialties include retirement planning and tax planning. Oscar works with retirees and pre-retirees.

### What credentials does Oscar Vives Ortiz hold?

Oscar Vives Ortiz holds the CFP and PFS credentials.

### Is Oscar Vives Ortiz registered with the SEC?

Yes. Oscar Vives Ortiz is registered as an investment adviser representative in FL (CRD 6439374), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Sensible Money manage?

Sensible Money reports $742.5M across 1,416 accounts in assets under management.

### How do I contact Oscar Vives Ortiz?

Through Oscar's website, www.sensiblemoney.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/6439374): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://sensiblemoney.com/): specialties, clients served, and fees, checked October 30, 2026

---

Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.