The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F COVER PAGE
OMB APPROVAL
OMB Number: 3235-0006
Expires: July 31, 2015
Estimated average burden
hours per response: 23.8
Report for the Calendar Year or Quarter Ended: 03-31-2022
Check here if Amendment   Amendment Number:
This Amendment (Check only one.):   is a restatement.
  adds new holdings entries.
Institutional Investment Manager Filing this Report:
Name: Sensible Financial Planning & Management, LLC.
Address: 203 CRESCENT ST
SUITE 404
WALTHAM , MA02453
Form 13F File Number: 028-15097

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

Person Signing this Report on Behalf of Reporting Manager:
Name: Charles Luce
Title: Chief Compliance Officer
Phone: 781-642-0890
Signature, Place, and Date of Signing:
Charles Luce Waltham , MA 05-18-2022
[Signature] [City, State] [Date]
Report Type (Check only one.):
X 13F HOLDINGS REPORT. (Check here if all holdings of this reporting manager are reported in this report.)
  13F NOTICE. (Check here if no holdings reported are in this report, and all holdings are reported by other reporting manager(s).)
  13F COMBINATION REPORT. (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)
Form 13F Summary Page
Report Summary:
Number of Other Included Managers: 0
Form 13F Information Table Entry Total: 43
Form 13F Information Table Value Total: 374,211
(thousands)
List of Other Managers Reporting for this Manager:
[If there are no entries in this list, omit this section.]
Form 13F File Number Name

List of Other Included Managers:
Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.
[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]
No. Form 13F File Number Name
SEC FORM 13F-HR

The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Expires: July 31, 2015
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 5,250 112,713 SH SOLE 0 0 0 112,713
ISHARES INC MSCI CDA ETF 464286509 794 19,735 SH SOLE 0 0 0 19,735
ISHARES TR TIPS BD ETF 464287176 428 3,435 SH SOLE 0 0 0 3,435
ISHARES TR CORE S&P500 ETF 464287200 202 446 SH SOLE 0 0 0 446
ISHARES TR CORE US AGGBD ET 464287226 602 5,621 SH SOLE 0 0 0 5,621
ISHARES TR MSCI EMG MKT ETF 464287234 391 8,651 SH SOLE 0 0 0 8,651
ISHARES TR S&P 500 VAL ETF 464287408 224 1,441 SH SOLE 0 0 0 1,441
ISHARES TR MSCI EAFE ETF 464287465 458 6,224 SH SOLE 0 0 0 6,224
ISHARES TR SP SMCP600VL ETF 464287879 377 3,678 SH SOLE 0 0 0 3,678
ISHARES TR NATIONAL MUN ETF 464288414 229 2,085 SH SOLE 0 0 0 2,085
ISHARES TR MBS ETF 464288588 24,682 242,294 SH SOLE 0 0 0 242,294
ISHARES TR USD INV GRDE ETF 464288620 28,772 522,754 SH SOLE 0 0 0 522,754
ISHARES TR 0-5 YR TIPS ETF 46429B747 16,501 157,236 SH SOLE 0 0 0 157,236
ISHARES TR MSCI USA MMENTM 46432F396 14,986 89,061 SH SOLE 0 0 0 89,061
ISHARES INC CORE MSCI EMKT 46434G103 2,184 39,324 SH SOLE 0 0 0 39,324
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,606 3,555 SH SOLE 0 0 0 3,555
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 5,658 165,062 SH SOLE 0 0 0 165,062
SPDR SER TR PORTFOLI S&P1500 78464A805 202 3,637 SH SOLE 0 0 0 3,637
SPDR SER TR SPDR S&P 500 ETF 78468R796 12,569 113,217 SH SOLE 0 0 0 113,217
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 14,158 262,907 SH SOLE 0 0 0 262,907
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 46,353 916,603 SH SOLE 0 0 0 916,603
SCHWAB STRATEGIC TR US REIT ETF 808524847 5,496 220,809 SH SOLE 0 0 0 220,809
SCHWAB STRATEGIC TR US TIPS ETF 808524870 44,067 725,861 SH SOLE 0 0 0 725,861
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,116 18,679 SH SOLE 0 0 0 18,679
VANGUARD WORLD FD MEGA CAP INDEX 921910873 6,484 40,771 SH SOLE 0 0 0 40,771
VANGUARD BD INDEX FDS INTERMED TERM 921937819 3,480 42,492 SH SOLE 0 0 0 42,492
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 5,038 63,337 SH SOLE 0 0 0 63,337
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 4,305 89,625 SH SOLE 0 0 0 89,625
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 4,310 84,157 SH SOLE 0 0 0 84,157
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 73,222 1,396,309 SH SOLE 0 0 0 1,396,309
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 1,145 9,244 SH SOLE 0 0 0 9,244
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 365 3,607 SH SOLE 0 0 0 3,607
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,429 30,988 SH SOLE 0 0 0 30,988
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599 2,408 11,807 SH SOLE 0 0 0 11,807
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 13,449 32,394 SH SOLE 0 0 0 32,394
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 4,349 40,129 SH SOLE 0 0 0 40,129
VANGUARD INDEX FDS SM CP VAL ETF 922908611 427 2,425 SH SOLE 0 0 0 2,425
VANGUARD INDEX FDS MID CAP ETF 922908629 1,692 7,112 SH SOLE 0 0 0 7,112
VANGUARD INDEX FDS LARGE CAP ETF 922908637 266 1,274 SH SOLE 0 0 0 1,274
VANGUARD INDEX FDS GROWTH ETF 922908736 3,788 13,170 SH SOLE 0 0 0 13,170
VANGUARD INDEX FDS VALUE ETF 922908744 1,769 11,972 SH SOLE 0 0 0 11,972
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,391 11,250 SH SOLE 0 0 0 11,250
VANGUARD INDEX FDS TOTAL STK MKT 922908769 16,589 72,864 SH SOLE 0 0 0 72,864