High net worth financial advisors in St. Joseph, MI

Who we work with in Southwest Michigan

Business owners & founders

We work with business owners preparing for a sale, succession, or recapitalization. Planning typically starts 1 to 5 years before the event and can include QSBS §1202 exclusion planning, trust structuring, and coordination with your banker and attorney throughout the deal.

Equity-compensated executives

We work with executives holding concentrated equity, including discounted equity buy-ins ahead of a firm recapitalization. This includes pre-event tax planning, 10b5-1 plan design where applicable, and coordinated diversification.

Widows & families

We work with widows and families taking on financial responsibility for the first time, whether after a loss or to make sure both spouses are equally prepared. This includes estate settlement, income planning, and rebuilding a financial plan around your current situation.

What we provide

• Investment Management — evidence-based portfolio construction, supported by our partnership with Focus Financial.
• Financial Planning — a plan built around retirement, education, and other long-term goals.
• Tax Strategy & Preparation — in-house, CPA-level tax expertise.
• Estate & Legacy Planning — trust, gifting, and estate coordination with your attorney.

Why Southwest Michigan clients choose Aspirean for their financial advising needs

Aspirean is a fee-only, fiduciary Registered Investment Advisor, paid only by the clients we serve, not by product sales. We limit the number of clients we take on each year. Our team includes CFP® and CPA professionals, and our investment approach is supported by the national resources of our partnership with Focus Financial. We are based in St. Joseph and serve clients throughout Southwest Michigan, as well as nationally through our midwest and west coast offices.

Frequently asked questions

Do you have a minimum asset level?

Yes. We best serve individuals with at least $1 million in investable assets, including 401(k) plan assets, or more complex financial situations. Our minimum annual fee is $7,500 for clients below that threshold.

How are you compensated?

We are a fee-only Registered Investment Advisor and a fiduciary, paid via a percentage of the assets we manage.

Do you work with clients outside Southwest Michigan?

Yes. We serve clients nationally, with additional offices in Mill Valley, CA, and Chesterton, IN.

Looking specifically for investment management? See our Wealth Management page for St. Joseph, MI.