December 1, 2021

Sense Financial Reviews: Is It Legit or a Scam?

What's Sense Financial Services LLC?

Sense Financial leads in Solo 401(k) and Checkbook IRA services. They are committed to helping individuals and businesses manage their finances according to proven Biblical principles.

Smart solutions for real estate investments include the Sense Financial Checkbook IRA & Solo 401k services. You also have more control over your customers' retirement accounts, eliminating guardian fees.

Sense Financial customers come from all 50 states and can attest to their staff's professionalism and quality.

When you sign up to Sense Financial, you have the option of choosing from any one of these assets to invest funds:

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

How does Sense Financial work?

Their website is located here. Sense Financial Services wanted their website to show that they are a strong Biblical company. These principles are what they follow:

"Prosperity can be achieved through hard work, planning and dedication. "

- Proverbs 21:5

"A sensible man is aware of problems and ready to face them. "

- Proverbs 27:12

Sense Financial was founded in 2005. They quickly discovered that many Americans didn't know how to handle their money or how to protect it from taxation.

Sense Financial Services has solved these problems by creating self directed retirement plans for clients who have "checkbook controls" to minimize the impact of investment cost.

Sense All retirement plan owners are fully compliant with IRS.

Pricing Plans

The company doesn't provide pricing information. Prices are determined by how much their clients invest.

They aren't concealing the fact that Solo 401k members will need to pay a $1,000 setup charge and $200 per annum starting in the next fiscal year.


Many companies that offer financial and investment services don't offer traditional refunds.

Financial companies should not be trusted if they claim that a certain investment is safe. Customers need to know that they can lose their money.

Contact their Customer Service department if you believe that you have a right to a full refund of management or investment fees.

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 or submit their concerns via the Contact Us link on their website.


This company has many reviews from customers. Anyone who is interested in becoming a customer can see if they are right for them.

Many companies offer free consultations to clients in order to get a sense of what they can do.

Customers have the ability to compare their company with other companies that offer similar services.


Many companies offer services like Bloom, which helps people to take control of their retirement savings... or Manulife, which assists with retirement investments.

Many companies offer biblically-based financial services to help customers plan their finances.

What's Solo 401K?

In its simplest form, a Solo 401(k) is a retirement account for self-employed people or small businesses that employ only part-time employees. There are differences between a Solo 401(k ). and a conventional 401 (kspan).

We will discuss these later.

What's a Self-Directed IRA (IRA)?

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

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

What's the difference between a Solo 401k plan and a Self-Directed IRA plan?

  • Both were designed by Congress to help people plan for retirement.
  • These funds can be used for investments in real estate, private company shares, and mutual funds.
  • Both are open for ROTH investments.
  • Both can take control of your checkbook and be used to make investments.
  • They cannot both be used for I.R.C. investments 408(m).

What's the difference between a Solo401k and a Self Directed IRA?

  • You must be self-employed, either full-time (or part-time) to start a solo401k.
  • Anyone can open an IRA if they have no self-employment income.
  • You will need to use a limited liability company (or Checkbook IRA) to manage your IRA funds.
  • Solo401k allows you to control your checkbook right from the start
  • Life insurance cannot be purchased through an IRA.

Sense Financial Customer Reviews

Beverly W. Mechanicsburg, (PA)

Dmitriy Fomichenko and the Sense Financial staff were extremely responsive to my questions. Call him.

Corey M: Colleyville, TX

I highly recommend Sense Financial for all your 401k investments and 401k needs. His staff will assist you in every step and provide valuable learning materials.

Kevin F: East Bridgewater, MA

 Dmitriy Fomichenko, I think, is a genius.  After reviewing 4 other 401k companies, I know I will. 

Isabella T: Fremont, CA

We were looking for a house to buy and decided to go with a solo plan in the 401k. Dmitriy and his team were an incredible help.

Tony S. Skillman (NJ)

In 2015, Sense Financial opened our Solo 401k plan. In 2015, Sense Financial opened our Solo 401k plan.

Last Thoughts

Sense Financial Services LLC has been voted the best provider of checking your checkbook IRAs. It is a great option for anyone looking to have more control over their retirement plans.

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