Our Firm
Aspen Capital Management is a fully independent, fee-only Registered Investment Advisor specializing in financial planning and disciplined, long-term investment management services. Our client-centric approach ensures you can expect our integrity, expertise and objectivity to be both personal and responsive.
Our Philosophy & Approach
Our philosophy and approach is based on the following six principles.
1. fiduciary
We are legally bound to put your best interests first, and we take this commitment seriously. By law, a fiduciary acts on behalf of another in situations that require great trust, honesty and loyalty. Unlike a brokerage firm or investment bank, the advice we offer is focused on putting our client's best interest first.
2. independent
As an independent financial advisory firm, we have no incentive to recommend proprietary products, and we are able to act as a fiduciary and put your best interests first. Our only incentive is to understand your needs and execute in your best interest. This allows us to select from any money manager, mutual fund company, custodian, record keeper, product or service provider. No one firm is the best at everything. That's why we believe having complete independence and the ability to select from the "best in class" allows us to find world-class service providers that specialize in each part of a financial solution.
3. Planning
Everything we do is objective and tailored to your personal situation. Our financial planning process covers many different aspects of your financial life and will give you the confidence and conviction you desire to know you won’t outlive your money. We’ll help you measure the quantitative impact major expenses or life decisions can have on your ability to retire and maintain your standard of living.
4. EVIDENCE-BASED INVESTING
Our investment philosophy is grounded in nearly a century of rigorous academic research and relies on evidence rather than forecasts and predictions. Evidence-based portfolios are low cost, globally diversified, and aim to capture market rates of return in the most tax efficient manner possible. In addition, we use the evidence provided by Nobel Prize winning researchers to target areas of the global stock and bond markets which have provided higher returns to investors over the long term. We'd enjoy the opportunity to share with you how our philosophy has added significant value to our clients' portfolios over the long term.
5. FOCUS ON OPTIMAL, AFTER-TAX RETURNS
It’s not how much you make, it’s how much you keep. We employ strategies founded upon consistency and discipline, with a focus on tax efficiency, low costs, diversification and asset allocation, all in an effort to achieve optimal after-tax returns.
6. FEE-ONLY
As a fee-only firm, we are compensated exclusively by our clients. This transparent fee structure ensures we provide objective advice with client's best interests in mind. We don't sell or "represent" any financial products and receive no commissions, kickbacks, revenue sharing or hidden fees. We believe the success of a financial planner should be based on the success of their clients, not on the number of products a client purchases. That's why we don't accept referral fees, commissions, or other reimbursements from the implementation of our recommendations. The only compensation we receive is what you pay us directly. Being compensated by a predetermined client fee, rather than commissions, reduces potential conflicts of interest and helps ensure the advice you receive is in your best interest.
Partner with your partners
We are continually consulting with our clients and their other advisors to help ensure strong integration and collaboration. By coordinating objectives and strategies with clients, their accountants and estate planning attorneys, everyone is better able to weigh circumstances, understand nuances and ultimately impact final results in a way that most benefits the client.