Aspen & Pine Asset Management LLC is an independent wealth management firm founded in 2026 and based in Flagstaff, Arizona. The firm is led by Andrew Morgosh and offers two core services that clients can use separately or together: ongoing financial planning and discretionary investment management. The firm's investment approach relies on a proprietary quantitative framework that evaluates price and volume trends across liquid global markets, building portfolios primarily with publicly traded equities and exchange-traded products. Aspen & Pine emphasizes a rules-based, risk-managed process and does not require a minimum account size. Additionally, the firm waives all financial planning and investment management fees for every seventh consecutive year of an active client relationship.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $250K | 1.40% |
| $250K - $500K | 1.30% |
| $500K - $1.0M | 1.20% |
| $1.0M - $2.5M | 1.10% |
| $2.5M - $5.0M | 1.00% |
| $5.0M - $10.0M | 0.85% |
| $10M+ | 0.85% |
Fees for assets above $10,000,000 are negotiable by arrangement. Fees are assessed on a marginal blended basis. All fees are waived for every seventh consecutive year of the client relationship.