Services
Risk management planning
Risk management planning identifies events that could disrupt your finances and compares those risks with the resources and coverage you already have. Aspirean Wealth reviews insurance, concentration, and liquidity alongside your financial plan, coordinating with the insurance and legal professionals responsible for coverage and documents while recognizing that losses cannot be eliminated.
Where we offer it
Where can you discuss risk management planning?
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
Does insurance coverage fit your current circumstances?
We review the role of existing coverage alongside your assets, income, and family responsibilities. Your insurance professional evaluates policy terms, exclusions, and any proposed changes; a review cannot establish that every possible loss is covered.
Could concentration or limited liquidity disrupt spending?
We examine dependence on one employer, business, property, or investment and the cash available for near-term needs. Investment management considers those exposures alongside the costs and constraints of diversification.
When do ownership and legal structures need review?
We identify ownership and beneficiary questions for your attorney to review under the applicable law. Legal structures have costs and limits, and financial planning does not replace legal advice.
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 you sell insurance?
No. We are a fee-only SEC-registered investment adviser 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.
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 through the risks your plan should be built to absorb, we’d like to hear from you.
Meet with us