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About Aspen Wealth
As an independent, fee-only firm, we are committed to exceeding our clients’ expectations through personalized financial guidance.
ABOUT US
All People Deserve Quality Financial Planning
Aspen Wealth Management is an independent, fee-only financial planning firm based in Fort Worth, Texas. Our mission is to inspire clients to make informed financial decisions through education, communication, and service, all of which exceed their expectations. We take the time to listen to you and fully understand your goals so that we can help you develop and implement a financial plan and investment strategy tailored to you. We are committed to providing individuals and families with personalized guidance on all aspects of their financial lives.
Aspen Wealth Management is a fee-only firm, which means we do not work on commissions. This allows us to remain completely free of conflicts of interest. We have a fiduciary duty to put clients’ needs first. Our fee-only structure ensures objectivity. Clients who go through our financial planning process feel confident, prepared, and empowered about their financial futures.
OUR TEAM
A Financial Team that Cares
Every member of our team values the importance of getting to know our clients and what is important to them. Our clients trust us because they know we always keep their best interests at heart.
Our primary goal is to give our clients peace of mind and clear direction. We do this first by understanding what is important to each individual client, their individual vision for the future, and their current situation. We then build a financial plan and roadmap which puts them on the path to achieving their goals. By regularly monitoring each client’s progress, we are able to help with any future changes that come their way. Our clients have the confidence in knowing that they have a professional team working in their best interests.
OUR APPROACH
Customizing your path
Every member of our team focuses on making our clients
and their families feel comfortable when discussing financial decisions that can be stressful and have a great impact on their lives.
Open and Honest
Discussions
We take the time to understand your personal and financial circumstances as well as identify any goals you may have.
Creating your Financial
Picture
Once we have gathered all of the information necessary, we start to integrate all of your financial pieces into a comprehensive plan that maximizes your potential for meeting your life goals.
Having a Plan
in Place
We present the plan to you and go over each of our recommendations. Your feedback is encouraged, and we can make any changes to the plan, if needed.
Making your Goals a Reality
After making sure each piece of the plan is in place, we continue to monitor your progress. We rely on you to keep us up to date on any significant life changes that may impact your financial plan.
Our fee-only, non-commission approach means we have your best interests in mind.
Certified Financial Planners
Aspen Wealth Management employs only CERTIFIED FINANCIAL PLANNER™ certificants, which means we have the experience and knowledge to effectively plan your financial future.
OUR PERSONALIZED SOLUTIONS
Start Your Course Towards Financial Freedom and Stability
Who We Help
Meeting You Where You Are in life
Nearing Retirement Couples
Are you looking for direction to secure your financial future? We are here to provide the support and guidance you need to move forward with clarity and confidence.
Multi-Generational Families
Do you have a high level of financial complexity? We serve as a concierge for all of your financial and estate planning needs.
Building an Intentional Foundation
Are you seeking a trusted guide early in your financial journey? We work with couples and families like yours who are looking for a partner and coach to help navigate their financial complexities.
FAQS
Common Questions, Clear Answers
Here are answers to some of your most pressing questions.
What does "fee-only" mean?
Fee-only advisors get paid for the advice and guidance they provide. We are compensated directly by our clients rather than on commissions or kickbacks. We do not sell products, nor do we accept any other form of third-party compensation. For example, we may advise on your insurance needs through a financial planning process, but because residuals and commissions are fees built into insurance products, we would bring in a trusted resource to help with the policy. We work alongside our clients to ensure their best interests are served.
What is integrated financial planning?
An integrated 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.
Am I required to meet with you in person?
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.
What are the costs associated with working with Aspen?
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 $4,500. If we sense that we will need additional time, we will let you know upfront, and those hourly fees are $300 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 $300 per hour. Young professionals also receive a discount on our investment management fees with no investment minimums.
What is your investment approach or philosophy?
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.
Who do you serve?
We primarily serve nearing retirement couples, multi-generational families, and young families who are building an intentional foundation. You can learn more about who we serve.