Aspen Financial Solutions, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$18,408,942
Total clients
14
21% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
14
Average account size
$1,314,924
About
Aspen Financial Solutions provides investment advisory and ongoing portfolio management to individuals, high‑net‑worth individuals, and charitable organizations, managing approximately $18.4 million for 14 clients. The firm delivers tailored investment policy statements, discretionary portfolio implementation, and quarterly written reporting.
The investment approach emphasizes a long‑term, low‑cost, index‑based asset allocation implemented largely with funds assembled from Dimensional Fund Advisors and guided by modern portfolio theory and quantitative analysis. The firm also uses options strategies (including covered options and spread trades) alongside its index‑based allocations, a mix that carries materially different risk characteristics than a pure index‑only program.
Noteworthy operational features include in‑house management of all client assets rather than using third‑party sub‑advisers and a stated absence of an account minimum, reflecting a boutique, fully discretionary model for a small client base. Aspen recommends Schwab Institutional for custody and discloses it may receive research or other soft‑dollar benefits from its custodian, a practice that can influence broker selection.
Client services
Portfolio management
Expertise
Active portfolio management
Options & derivatives strategies
Passive / index investing
Fee options
$0 - $1,000,000: 1.00% $1,000,001+: 0.75%
Fee-only: Asset-based management fees charged quarterly in arrears, negotiable at firm's discretion.
Main office location
Aspen Financial Solutions, LLC
Carbondale CO, United States
Number of offices
1
Most active in
Aspen Financial Solutions, LLC has reported serving >5 clients in these states in the last 12 months.
Colorado
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")