Aspen & Pine Asset Management

Aspen & Pine provides discretionary investment management and annual financial planning primarily to individuals and high‑net‑worth households, and may coordinate related accounts such as IRAs, trusts, and employer‑sponsored retirement plan rollovers. The firm structures services in two parts — an annual planning engagement offered at two service tiers and an optional discretionary management overlay — and charges asset‑based advisory fees while not imposing a minimum account size.

The firm's investment approach is systematic and rules‑based, using a proprietary quantitative framework that analyzes price and volume data with momentum and mean‑reversion factors to generate tactical signals; the adviser retains discretion to delay or override model outputs and applies portfolio‑level risk controls and position‑size limits. Portfolios are built from liquid equities, ETFs and other liquid instruments and, where clients authorize, may include derivatives, limited short exposure and margin; the brochure explicitly discloses these risks and states that advisory fees are calculated on net account value (client equity).

Distinctive features noted in the brochure include the explicit use of borrowing and derivatives within separately managed accounts coupled with the fee‑calculation approach intended to mitigate conflicts arising from margin use. The firm also discloses a recurring seventh‑year fee waiver and an owner‑operated structure with plans to add advisory professionals over time, which together differentiate its service design from many peers.