Financial Planning

Aspen Wealth Management is proud to work will all kinds of clients, believing that all people deserve quality financial planning without the fear of being sold a product.  We strive to help clients understand their circumstance and make wise financial decisions regarding their resources. For those not located in the DFW area, we work through online meetings and are able to collaborate effectively.

Aspen has three distinct service models in order to deliver an experience to clients for their particular circumstances and life stage.

Comprehensive Wealth Management Solution

This solution works best for families who have accumulated assets and are nearing or have entered retirement. We help our clients coordinate taxes, insurances, health care plans, estate plans as well as offer generational wealth transfer and charitable planning advice. A full financial plan is created that is based on your unique set of circumstances and goals. Our firm is unique as a fee-only planner, which means that we employ a fiduciary standard, requiring that we place our clients' interests in front of our own. This is different from the broker's suitability standard, which means that an investment only needs to be suitable for a client, and may involve a commission being paid. Aspen has access to a vetted network of professionals to help our clients with the implementation of their plans. The investment policy for your portfolio is plan-based both on your risk tolerance and your objectives. To read more about the ways we provide value for our wealth management clients, please click here. The cost of our services in this model is based on the amount of assets we manage.

Fixed - Fee Solution

Our fixed-fee arrangement is the first step for professionals in their 20's and 30's primarily, but not exclusively. We perform a broad assessment and concrete guidance that addresses client concerns. We also identify overlooked opportunities and pitfalls. Often, clients have questions about employee benefits, taxes, 401(k) allocations, insurance needs and balancing savings for multiple priorities. We work with clients on an ongoing basis, helping to implement their plans and stay on track. There is an initial planning fee of $1,000, and then a fixed fee of $300 per month. One-on-one meetings can be virtual or in person. Clients have unlimited on-line access to our customized cash management system and financial planner support. To learn more about this offering, please click here

Hourly Financial Planning Solutions

Our hourly planning offering is a quick, yet broad assessment and financial plan, specifically tailored to those nearing retirement or experiencing a life transition. The financial plan is comprehensive and includes an investment review as well as topic-specific planning. With the hourly module, recommendations are made, but the implementation is left up to the client. Fees are $250 per hour. The overall amount of time will depend on the simplicity or complexity of a client's situation.

Contact us to learn more about how Aspen Wealth Management may be able to help you. Our clients who go through our planning process feel more confident, prepared and empowered about their financial futures.