Your Life’s Work Deserves a Thoughtful Plan

Personalized, tax-efficient investment management and financial planning for retirees and professionals
ASPEN INVESTMENT MANAGEMENT INC.
‍Preserving and Growing Wealth Since 1993
Why Choose Aspen?
Personalized wealth management built on relationships.
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Portfolio Management
Tailored investment strategies aligned with your goals and comfort level.
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Financial Planning
A clear plan for today and tomorrow, adapted as life evolves.
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Retirement Planning
Support to move confidently from saving to living on your wealth.
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Legacy Planning
Guidance to help provide for loved ones and causes you value.
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Cashflow Management
Clarity on income, expenses, and tax-conscious distributions.
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Portfolio Management
Your portfolio should reflect your goals, your timeline, and your comfort with risk. At Aspen, we design investment strategies that adapt to changing markets while staying true to your objectives. From building wealth to preserving it, our disciplined approach keeps your plan on track.
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Financial Planning
Financial Planning
Financial planning is more than numbers—it’s about creating a roadmap that aligns with the life you want to live. We help you plan for milestones, anticipate challenges, and make adjustments as life evolves, ensuring your finances support your vision for the future.
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Retirement Planning
Retirement Planning
Transitioning from saving to living on your wealth requires thoughtful preparation. We guide you in creating sustainable income strategies, managing distributions, and navigating tax considerations so you can approach retirement with clarity and confidence.
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Legacy Planning
Legacy Planning
Your wealth can do more than support your lifestyle—it can provide for the people and causes you care about most. Aspen works with you to structure your estate and charitable giving in a way that reflects your values and creates a lasting impact.
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Cashflow Management Services
Cashflow Management
We design investment portfolios with your cashflow needs in mind. Our approach ensures that your income, spending, and withdrawals are structured strategically—so you can meet short-term expenses, maintain flexibility, and support long-term growth. By aligning your portfolio design with your lifestyle and goals, we help you create a sustainable, tax-efficient flow of income that evolves as your needs change.
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30+ years of guiding clients through market cycles.
100% fiduciary standard — your interests always come first.
Serving clients across the U.S. from our Michigan office.
Comprehensive planning: investments, retirement, estate, and tax.
30+ years of guiding clients through market cycles.
100% fiduciary standard — your interests always come first.
Serving clients across the U.S. from our Michigan office.
Comprehensive planning: investments, retirement, estate, and tax.
About Aspen Investment Management
Investment Management Services

About Aspen Investment Management

Since 1993
30+ years of independent advice.
Since 1993, Aspen has helped individuals and families manage, grow, and protect their wealth with strategies built on trust, transparency, and experience.
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About Us
frequently asked questions
We’re here to answer your questions.
Straightforward guidance to help you understand the questions we hear most often.
How do you create a portfolio that’s right for me?
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We begin by learning about your goals, comfort with risk, and overall financial picture. From there we design a portfolio that balances growth, income, and stability in a way that fits your lifestyle.
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What should I expect during retirement planning?
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Many clients want to know when they can retire and what life will look like. We help you map out income needs, structure assets for stability, and build a plan that supports both daily living and long-term peace of mind.
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Do you work with clients outside of Michigan?
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Yes. Although we are rooted in West Michigan, we serve clients across the country.
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Contact us
Can you help me manage cash flow?
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Yes. We provide clarity on income, expenses, and distributions across different accounts so you can feel confident about how your lifestyle is supported.
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Contact us
Do you provide tax planning?
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We take tax considerations into account when structuring portfolios and withdrawals. While we are not CPAs, we coordinate with your tax professionals to help keep your plan efficient.
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What happens in the first meeting?
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The first consultation is complimentary. It is an opportunity for us to learn about your goals, answer your questions, and determine whether Aspen is the right fit for you.
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Servicing the United States
Born in Michigan, serving clients nationwide.
Founded in Grand Rapids in 1993, Aspen Investment Management has grown from a local advisory firm into a trusted partner for clients across the country. While our roots remain in Michigan, our fiduciary commitment and personalized approach allow us to guide individuals and families nationwide in planning, investing, and preserving their wealth.

Our Main Office: 4020 E. Beltline Ave NE, Suite 103 Grand Rapids, MI 49525
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Before Aspen
“Am I saving enough for retirement?”
"Who can take these decisions off my plate?"
Retirement Plan.pdf
“Not sure how taxes fit into this plan.”
“Should I change my investments right now?”
“Markets are down again—what should I do?”
Quarterly Performance Report
“Do I need a trust, or just a will?”
Uncertainty
Disorganized planning
Missed opportunities
After Aspen
“Here’s a clear plan and everything you need to move forward with confidence.”
Get started now
Get started now
News and Insight from our team.
New Retirement Account
February 7, 2025
News
New Retirement Account and HSA Contribution Limits for 2025: What You Need to Know
For 2025, employees can contribute up to $23,500 to 401(k)s (with higher catch-up provisions for those over 50 and new extended catch-ups for ages 60–63). IRA limits remain at $7,000 ($8,000 with catch-up), though income phaseouts have shifted. HSA limits rose to $4,300 for individuals and $8,550 for families, while SIMPLE and SEP IRA limits also increased. These adjustments provide an opportunity to boost retirement and healthcare savings while maximizing tax benefits.
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October 9, 2024
News
What happens when the Fed cuts interest rates?
Fed rate cuts in 2024 have lowered borrowing costs for consumers and businesses, encouraged spending, and boosted stock market performance, particularly in housing and discretionary sectors. While borrowers benefit, savers face reduced returns on cash-based investments. The Fed’s challenge is to support growth without reigniting inflation, making future policy shifts a critical focus for investors.
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May 6, 2024
News
Does the Stock Market Historically Care About Which Party is in Office? The Answer Might Surprise You
Market performance around elections has varied across political scenarios, yet long-term results have shown limited link to the party in power. Short-term swings are common before voting day, but fundamentals typically reassert themselves over time. Staying diversified, disciplined, and focused on long-term goals can help investors navigate election-year noise.
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DisclaimerCRS FormPrivacy Policy
Aspen Investment Management Inc. is an independent registered investment adviser located in Grand Rapids, Michigan. We may only conduct business in states where we are notice filed, or qualify for an exemption or exclusion from registration requirements. The information provided on this website is for general informational purposes only and should not be considered legal, accounting, tax, or investment advice. Investment advice can only be provided after the delivery of our Form ADV Part 2 and the execution of an Investment Advisory Agreement. A copy of our Form ADV Part 2 is available upon request at 616-361-2500.