Services
Risk management planning
Aspirean Wealth works with individuals and families from our offices in Mill Valley, St. Joseph, and Chesterton. Risk management planning sits under the same coordinated team as your investments, your tax strategy, and your estate documents, alongside the agent who writes your coverage.
Where we offer it
Risk Management Planning in three offices.
Risk management 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
Risk management planning in St. Joseph, MI
505 Pleasant St, Suite 401St. Joseph, MI 49085
(844) 687-5342
St. Joseph, MI · Benton Harbor, MI · Southwest Michigan
Risk management planning in Chesterton, IN
160 Rail Rd, Suite 4Chesterton, IN 46304
(844) 687-5342
Chesterton, IN · Valparaiso, IN · Northwest Indiana
Insurance coverage review
We read the life, disability, umbrella liability, and long-term care coverage you already hold against what the plan actually needs, rather than against what was sold at the time it was written. Aspirean sells no insurance and earns no commissions, so what you get is a reading of the coverage itself — where it is thin, where it duplicates something else, where it no longer matches the household it was written for. We then coordinate with your insurance agent to put any changes in place.
Concentration and liquidity
For many households, one position carries most of the balance sheet: company stock, restricted units, and options from the employer that also pays the salary. We look at how much of the plan rests on that single holding, at sequence-of-returns risk in the years on either side of retirement, when a decline lands on a portfolio that has started paying out, and at a cash reserve sized to what you actually spend rather than to a rule of thumb.
Asset protection and titling
Coverage is one layer and structure is another. We look at umbrella coverage sitting above the auto and homeowner policies, at how accounts and property are titled, at trust and entity structures where your attorney recommends them, and at beneficiary designations, which override the will and can quietly undo a document when a stale form is left behind at an old employer.
Frequently asked questions
The things you’re probably wondering.
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 sell insurance?
No. We are a fee-only Registered Investment Advisor and earn no commissions on insurance or any other product. We review the coverage you already hold against what your plan actually needs, tell you plainly where it looks thin and where you are paying for more than the plan calls for, and then work with your agent to change it.
Meet with us
Let’s talk.
If you’d like to talk through the risks your plan should be built to absorb, we’d like to hear from you.
Meet with us