Aspen Financial Solutions, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Aspen Financial Solutions provides investment advisory and ongoing portfolio management to individuals, high‑net‑worth individuals, and charitable organizations, managing approximately $18.4 million for 14 clients. The firm delivers tailored investment policy statements, discretionary portfolio implementation, and quarterly written reporting.
The investment approach emphasizes a long‑term, low‑cost, index‑based asset allocation implemented largely with funds assembled from Dimensional Fund Advisors and guided by modern portfolio theory and quantitative analysis. The firm also uses options strategies (including covered options and spread trades) alongside its index‑based allocations, a mix that carries materially different risk characteristics than a pure index‑only program.
Noteworthy operational features include in‑house management of all client assets rather than using third‑party sub‑advisers and a stated absence of an account minimum, reflecting a boutique, fully discretionary model for a small client base. Aspen recommends Schwab Institutional for custody and discloses it may receive research or other soft‑dollar benefits from its custodian, a practice that can influence broker selection.
Client services
Expertise
Fee options
$0 - $1,000,000: 1.00% $1,000,001+: 0.75%
Fee-only: Asset-based management fees charged quarterly in arrears, negotiable at firm's discretion.
Main office
Carbondale CO
Advisors at this office
1
Most active in
Colorado
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor's Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and referrals are provided by FinanceHQ LLC ("FHQ"), a wholly-owned subsidiary of Warmer and an SEC-registered investment adviser. We may be compensated by participating advisors. You pay no fee to use our matching service, and advisor fees are not increased because of a referral. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to the Warmer Terms of Service and FHQ Advisory Agreement, and acknowledge Warmer's Privacy Policy. Please review FHQ's ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")