Services
Wealth protection & asset preservation
Aspirean Wealth works with individuals and families from our offices in Mill Valley, St. Joseph, and Chesterton. Wealth protection is a standing inventory of what could set your plan back and what already covers it, reviewed alongside your investments and tax strategy and coordinated with the attorney and insurance agent who handle the documents and the coverage.
Where we offer it
Wealth Protection & Asset Preservation in three offices.
Wealth protection & asset preservation 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
Wealth protection & asset preservation in St. Joseph, MI
505 Pleasant St, Suite 401St. Joseph, MI 49085
(844) 687-5342
St. Joseph, MI · Benton Harbor, MI · Southwest Michigan
Wealth protection & asset preservation in Chesterton, IN
160 Rail Rd, Suite 4Chesterton, IN 46304
(844) 687-5342
Chesterton, IN · Valparaiso, IN · Northwest Indiana
The inventory
What wealth protection covers
An inventory of what could set the plan back, and of what already covers it, kept current. These are the three parts it most often has to settle.
Meet with usCoverage reviewed for gaps
We read your homeowner, auto, and umbrella liability policies against the household and the balance sheet they now sit under, rather than the ones they were written for. The review looks for gaps between the layers, limits that no longer match what you own, and property or drivers the policies do not yet list. Aspirean sells no insurance and earns no commissions, so what you get is a reading of the coverage itself; any change is made by your insurance agent, and we coordinate with them.
Titling, beneficiaries and structures
How an account or a property is titled, and who is named on its beneficiary form, decides how it passes; for many accounts the form, not the will, controls. We list each one, flag what no longer matches the estate plan — an ex-spouse still named, an old 401(k) at a former employer, a trust that was signed but not yet funded — and bring the list to your attorney. For a business owner, the list includes how the company is held and whether you have signed personally for its debts. Where your attorney recommends a trust or an entity, we coordinate with them and keep the plan consistent with it. We do not practice law; the structures and the documents are your attorney’s work.
Concentration and liquidity
A plan can be set back by one holding as easily as by one event. Where much of the balance sheet sits in one company — an employer’s stock, RSUs, or options, or a business you own — we measure how much of the plan rests on it and, where it fits, set a diversification schedule in advance rather than deciding in the weeks after a decline. Alongside it we hold a cash buffer sized to what you actually spend, so a poor market or a large bill is not the reason you have to sell something.
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 practice law or set up trusts and entities?
No. We do not practice law, and we cannot tell you that any asset is beyond the reach of a creditor or a lawsuit; that depends on your state, your facts, and documents only an attorney can draft. What we do is keep the inventory current, flag titling, beneficiary, and coverage gaps, and coordinate with your attorney and insurance agent so the plan and the documents agree.
Meet with us
Let’s talk.
If you’d like a fresh look at what could set your plan back and what already covers it, we’d like to hear from you.
Meet with us