Wealth Management

Our investment strategy begins with a careful understanding of your financial goals and objectives and an assessment of your risk tolerance. We then design an investment strategy for you that will involve a diversified mix of different types of investments. We continually monitor experienced professional investment managers in the market place.

We then monitor the performance of each manager against their peers and make changes as necessary. Our only loyalty is to you, our client — not to any product or manager — and we will make adjustments when it is deemed beneficial to you. We provide access to fee-based asset management and planning for individuals, trusts and foundations. Aspen Wealth Management, Inc. offers a combination of experience, knowledge, and exceptional service — with a kind and caring touch.

There's more to asset management than picking and choosing stocks and bonds. Disciplined asset management is an ongoing, adaptable, hands-on process that seeks to ensure every investment decision is in line with your risk tolerance and financial aspirations. Whether you're planning for retirement, needing and income stream from your investments or investing for a child or grandchild's education, you need an advisor that understands your family's needs and cares enough about your goals to manage your money.

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

Stock investing involves risk including loss of principal.

Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price.

Our investment philosophy is personalized in that our clients' individual goals dictate how we manage their money. We strive to provide consistent, predictable returns that allow our clients work towards their financial goals.

We do this by:

MANAGING AND SEEKING TO REDUCE RISK IN A PORTFOLIO

• Preserving the assets you already have is just as important as seeking positive returns. We believe in actively managing our client's portfolios and taking defensive positions during volatile market and economic times.
  
• Our team utilizes statistical research and analysis aimed at reducing portfolio risk and volatility.
  
• We believe in diversifying portfolios on multiple levels. Not only do we believe in using multiple asset classes when building portfolios, but also provide our clients with alternative and non-correlated investments to further manage their interests.
  

ADDRESSING THE IMPACT OF TAXES AND FEES

• We include a special focus on tax management and efficiency.  Our goal is to help control tax implications within your portfolio and to help enhance after-tax returns. After all, it's not the money you earn; it's the money you keep
  
• Gathering multiple economic and investment perspectives
  
• We use a mix of internal and external resources to provide us with timely and pertinent information regarding ever-changing market and economic conditions.
  
• Being an independent firm, we have access to thousands of non-proprietary investment products and services. This gives our clients access to professional and experienced money managers.
  

EMPLOYING A CORE/SATELLITE APPROACH, TAKING ADVANTAGE OF TACTICAL OPPORTUNITIES IN THE MARKET

• We believe in maintaining a diversified asset allocation on “core” portfolio holdings while making tactical decisions and adjustments with “satellite” positions.
  
• Our advisors diversify investment portfolios based on client risk tolerance. Diversification combined with rebalancing and dollar cost averaging, seek to provide our clients with positive investment returns while aiming to minimize portfolio volatility.
  
• While timing the market is nearly impossible and we avoid trying to do so, we do believe market inefficiencies and opportunities present themselves from time to time. We actively look for such opportunities to take advantage of in the satellite portion of our client's portfolios. It is important to note that a thorough analysis of potential risk and return is conducted and discussed with each client before investments are made.
  

INTRODUCING NON-CORRELATED, ALTERNATIVE ASSET CLASSES INTO TRADITIONAL ASSET ALLOCATION MODELS IN AIMING TO REDUCE RISK

• Historically, asset allocation and diversification have been effective investment tools. Unfortunately in today's global economy, traditional asset classes have become more and more dependent on one another. This interdependence or “correlation” has greatly reduced the effectiveness of traditional asset allocation models. In response to this challenge, we employ a more sophisticated form of diversification.
  
• Our asset allocation models include alternative investments that have minimal or no correlation to the other portfolio holdings. This aims provides our clients with effective diversification and risk management.
  

Asset allocation does not ensure a profit or protect against a loss.

Stock investing involves risk including loss of principal.

Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price.