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Retirement Planning

We think of retirement as a beginning to a new chapter in your life, not an endpoint. Whether that means the beginning of a new career, going back to school, traveling or spending more time with family, being retired means doing what makes you happy.

For many people, thinking about and planning for retirement can cause a great deal of fear and anxiety. The closer they get to retirement the more worried they become about how long their assets will last and whether or not they'll be able to maintain their standard of living once they stop working.

At Aspen Wealth Management we'll help you develop a retirement plan that addresses all of your concerns and works towards giving you the financial confidence to focus on the things that make you happy.


  • Retirement Assessment – we'll conduct a comprehensive analysis of your current assets, savings and future income needs to determine whether or not you are on track for retirement.  If you are currently tracking for a successful retirement, we'll strive to enhance your current strategies in the areas of tax efficiency, investment strategy and estate planning.
    • If you are not on track for retirement, we'll help you identify the steps you need to take to get there.  These steps may include increasing your savings, changing your investment strategies, alternate pension strategies and perhaps working longer.
  • Tax Strategies – most retirees have done little or no tax planning which can have a negative impact on their standard of living during retirement.  With strategic tax planning we help keep more of our client's hard-earned money in their accounts and out of the IRS's hands.
  • Providing retirement income – our retirees seldom worry about next month's “paycheck”.  We use a variety of sophisticated investment strategies that may potentially provide reliable streams of income and help preserve their investments from market downturns

There are multiple factors to consider when planning your retirement.  We'll help you understand and consider many variables including: 

  • Social Security
  • Medicare
  • Pension Maximization
  • Healthcare costs
  • IRA Distributions
  • Required Minimum Distributions
  • Annuities
  • Long Term Care


Our clients come from a wide variety of industries and represent and include businesses big and small. Whether you represent a family owned business or a large corporation, our team is equipped to help meet your needs.

Aspen Wealth Management's 401k services are aimed at helping manage plan sponsor's fiduciary responsibility and seeking to improve participant investment options and education.


Designing an effective 401k plan starts with identifying and prioritizing the plan sponsor's goals, objectives and employee census data. Once the initial plan design is complete, it is important to review plan documents periodically to comply with changing laws and regulation.

Critical design elements include:

  • Maximizing employer contributions 
  • Profit sharing options
  • Loan provisions
  • Contribution formulas
  • Employer matching
  • Employee vesting


Plan fiduciaries can be held personally liable for employee's poor investment performance if they fail to provide adequate and appropriate investments and/or participant education.

Aspen Wealth Management partners with the 401k providers to provide a multitude of investment options for our 401k sponsors and participants. Additionally we assist sponsors in developing an investment policy statement, periodically delivering reports to help plan sponsor review investment options and providing employee education on a regular basis.

Fiduciary liability is managed by:

  • Developing an investment policy statement
  • Providing employee education
  • Reviewing investment options on a regular basis


404(a) / 404(c) Compliance is supported through:

  • Assistance in developing/selecting Investment policy statement
  • Transparent fee disclosure
  • Periodic 404(a) and 404(c) elements review
  • Matching 404(a)/404(c) knowledgeable service providers


Aspen Wealth Management will help plan sponsors identify appropriate service providers based on employer goals, budget and participant demographics. Our goal is to help our clients find the best possible service provider at the most competitive price.