Services
Financial planning
Financial planning connects your spending, savings, investments, and family commitments in one set of decisions. Aspirean Wealth builds that plan with individuals and families, then coordinates investment management, tax planning, and estate matters with the professionals involved so each decision can be evaluated against your goals and available resources.
Where we offer it
Where can you discuss financial planning?
Financial planning in Marin County, CA
6 Knoll Lane, Suite BMill Valley, CA 94941
(415) 383-8404
Marin County, CA · Mill Valley, CA · San Francisco Bay Area, CA
Financial planning in St. Joseph, MI
505 Pleasant St, Suite 401St. Joseph, MI 49085
(844) 687-5342
St. Joseph, MI · Benton Harbor, MI · Southwest Michigan
Financial planning in Chesterton, IN
160 Rail Rd, Suite 4Chesterton, IN 46304
(844) 687-5342
Chesterton, IN · Valparaiso, IN · Northwest Indiana
How can retirement savings support spending?
We compare expected spending with savings, Social Security, and other income, then review withdrawal choices and cash reserves. The plan considers taxes, inflation, longevity, and investment losses; it is revisited as your circumstances change.
How does company stock affect your plan?
We map vested shares, unvested awards, options, and employer trading restrictions before discussing a diversification schedule. Our guide to concentrated company stock explains how to frame the decision around household needs.
How much can you commit to family support?
We compare education costs, gifts, and support for relatives with your own spending and retirement needs. Writing down the amount, timing, and conditions of that support makes the trade-offs easier to revisit together.
Frequently asked questions
What else should you know before working with us?
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?
Aspirean Wealth charges an advisory fee based on the assets it manages. Investment expenses and custodial or transaction charges may also apply; review our firm disclosures and your agreement for fees, services, and conflicts of interest.
Do I need to move my investments to work with you on a plan?
Planning and investment management are usually one relationship, but the plan comes first. The plan accounts for what you hold, including a 401(k) that has to stay where it is, and what to do about consolidation is a later conversation, once you have seen how we work.
This page provides general information, not individual investment, tax, or legal advice. Investing involves risk, including possible loss of principal; planning does not assure a particular outcome.
Meet with us
Let’s talk.
If you’d like to talk about a financial plan for your situation, we’d like to hear from you.
Meet with us