Aspen Financial Management, Inc.

Aspen serves individuals, high‑net‑worth clients, business entities, and nonprofit organizations with portfolio management and financial planning tailored to each client's risk profile and objectives. Services include discretionary portfolio management (with non‑discretionary management for defined contribution plans), comprehensive or segmented financial plans, and shorter financial consultations, with custodial confirmations and at least quarterly account statements.

The firm uses both fundamental and technical analysis and invests across money market funds, ETFs/mutual funds, stocks, and bonds, applying a client risk assessment to determine appropriate investments and allowing clients to impose reasonable restrictions or direct specific holdings. Accounts are generally reviewed quarterly for alignment with stated risk tolerance, and Aspen may aggregate trades for accounts held with its lead custodian while also accommodating client‑directed brokerage arrangements.

Noteworthy for a firm of its size, the brochure indicates Aspen offers educational seminars or workshops and provides planning services or consultations to clients who do not need a full plan, while waiving planning fees for managed‑account clients (a conflict the firm discloses). The firm also leaves proxy voting to clients rather than voting securities on their behalf and operates as a small two‑advisor team managing roughly 90 client relationships with under $20 million in assets, which the brochure ties to its primarily verbal annual review practice.