A comprehensive plan involves a thorough review of your investments, risk tolerance, insurance needs, cash flow and debt management, education planning, employee benefits review, tax planning, retirement planning, and estate planning. If you’ve never gone through a financial planning process before, it can seem overwhelming to address all these items at one time. However, once your plan is finished, you will feel very organized and have a solid understanding of your financial picture.

No. We have clients all over the United States and even a few that work overseas. We can meet with you via telephone or video conference.

Aspen is unique in that we do not need to manage your money to work with you. During our initial consultation, we will have a good idea of the amount of time required to build your financial plan based on the simplicity or complexity of your situation.

For individuals or couples mid-career to retirement, our minimum planning fee is $3,250. If we sense that we will need additional time, we will let you know upfront, and those hourly fees are $250 per hour. If you decide that you would like for Aspen to assist in implementing your financial plan and managing your investments, you will transition to our assets under management fee schedule, and we will credit you for any planning fees you have paid.

For individuals or couples under 40, we work on a straight, hourly basis at $250 per hour. Young professionals also receive a discount on our investment management fees with no investment minimums.

We believe that investments are a way to achieve your goals. We believe that markets will work for you over time if you are cost-effective and hold a quality, well-diversified portfolio. The foundation for your portfolio is your financial plan.

There are many who believe that market timing, stock picking, or using expensive programs that use options are a sure thing. There is no free lunch in the markets. Timing the market isn’t only impossible; it’s costly.

Please see examples of client types we serve best here.