Our Services

When you think of “financial planning,” what may come to mind is just “retirement planning.” But in any stage of life, with any financial goal, we can help you formulate a sound plan that can help guide you towards your goal of living a fuller and richer life.

FINANCIAL PLANNING SERVICES INCLUDE:

Our skilled professionals use solid techniques, software and calculation tools to create and implement comprehensive financial plans. This begins with risk management, an investment strategy and planning for financial and retirement goals.

The goal of risk management is to manage “known risks,” such as disability and death, to help ensure your family’s lifestyle is not severely negatively impacted by disability or death.

Our analysis and suggestions can help guide you toward your dreams and goals for retirement, higher education, or other personal objectives. We will create a plan for you based on your risk tolerance and time horizon, to help you with your specific short-term and long-term goals. This can help you gain financial confidence about your future, and provide motivational, realistic long-term goals.

Our team of advisors includes Investment Advisor Representatives, CERTIFIED FINANCIAL PLANNER^® and Chartered Financial Consultants.

Our approach is different in that we offer: Personalized attention and advice – we take the time to get know you and understand what’s most important in your life. Then, based on your personal and financial goals and priorities, we’ll develop a customized financial plan that puts you on track to address your objectives. Objectivity – within all advisory fee based relationships our financial planners have a fiduciary responsibility to act in your best interest at all times. Specialization – all of our advisors have additional designations and are committed to continually learning and perfecting their craft. Comprehensive Planning – we consider all key areas of your financial situation including:

Cash flow and net worth analysis
Investment Advice
Protection planning (life, disability and long term care)
Education planning
Retirement Planning
Tax management techniques
Estate planning and wealth transfer

Commitment to excellence – our goal is to be your financial planning partner for life. As your trusted advisor we’ll serve as an objective sounding board when you need to make important financial decisions. All of our financial planning clients receive ongoing education, service meetings scheduled at your desired frequency and advice. We believe these are some of the reasons that so many of our clients choose to continue working with us year after year.

Aspen Wealth Management offers comprehensive fee based planning services.

In a fee-based account, clients pay a quarterly fee, based on the level of assets in the account, for the services of a financial advisor as part of an advisory relationship. In deciding to pay a fee rather than commissions, clients should understand that the fee may be higher than a commission alternative during periods of lower trading. Advisory fees are in addition to the internal expenses charged by mutual funds and other investment company securities. To the extent that clients intend to hold these securities, the internal expenses should be included when evaluating the costs of a fee-based account. Clients should periodically re-evaluate whether the use of an asset-based fee continues to be appropriate in servicing their needs. A list of additional considerations, as well as the fee schedule, is available in the firm's Form ADV Part 2 as well as the client agreement. Services rendered will be dependent on applicable agreements.

The Financial Planning or Consulting services listed are generally those offered under the Wealth Advisory Services Agreement. However, fees and services are customized with each client agreement. For a complete list of fees and available services, please consult the most current Form ADV Part 2A and the Wealth Advisory Services Agreement that you may obtain from your Investment Adviser Representative.

Every investor's situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. This information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. Past performance does not guarantee future results. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Be sure to contact a qualified professional regarding your situation before making any investment or withdrawal decision. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.

Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP^®, CERTIFIED FINANCIAL PLANNER^®, and CFP^® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.