Aspen Financial Management provides personalized investment management and financial planning services to individuals, high-net-worth clients, business entities, and non-profit organizations. Founded in 2001, the registered investment advisor builds custom portfolios using money market funds, exchange-traded funds, mutual funds, individual stocks, and bonds based on each client's specific financial situation, risk profile, and investment goals. The firm offers both discretionary management—where the advisor makes trades on the client's behalf—and non-discretionary management primarily for defined contribution plans. In addition to managing investments, Aspen Financial Management creates comprehensive or segmented financial plans covering cash flow, retirement projections, risk management, and estate planning considerations. Clients also have the option to receive standalone financial planning or consultations.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $1.0M | 1.50% |
| $1M+ | 1.00% |
Fees may be negotiable for combined household accounts of $5,000,000 or more, firm employees and their families, nonprofit entities, and non-discretionary defined contribution plans.