Anticipate What's Next With Confidence.

Nearing or In Retirement

You've spent decades building wealth. The challenge now is turning those assets into a retirement that supports the life you've worked hard to create. We help retirees and pre-retirees create tax-aware income strategies, plan for long-term cash flow, and retire with genuine confidence.
Questions We Often Help Clients Navigate
  • ✓ Can I retire comfortably?
  • ✓ Am I withdrawing too much from my portfolio?
  • ✓ How should we coordinate Social Security benefits?
  • ✓ Should I consider Roth conversions before RMD age?
  • ✓ How can we reduce taxes throughout retirement?
  • ✓ What happens financially if one spouse passes away?
  • ✓ How should my investments change as retirement approaches?
How We Help

Retirement income planning 

Tax-aware withdrawal strategies 

Roth conversion analysis 

Investment management 

Social Security and Medicare planning 

Legacy and beneficiary planning 

A Retirement Plan Built Around Your Life.
Retirement is more than a finish line. It's a new chapter that takes careful planning to get right. From income strategies and Social Security coordination to tax-aware withdrawals and long-term care, we help you prepare for everything retirement brings so you can step into it with clarity and confidence.
Learn About Our Retirement Planning Approach
Go to Service
Servicing the United States
Serving the United States
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 West Michigan, our fiduciary commitment and personalized approach travel with us. We work with clients nationwide and make in-person meetings a priority wherever you are.

Our Main Office: 4020 E. Beltline Ave NE, Suite 103 Grand Rapids, MI 49525
Get in Contact
Get in Contact
Building lasting strategies for life’s milestones.
Investment Services
Portfolio ManagementFinancial PlanningRetirement PlanningLegacy PlanningCashflow Management
About Us
Our ProcessOur CompanyFAQ'sMeet Our Team
Who We Serve
Nearing or In RetirementWorking ProfessionalsLife in Transition
Resources
News & BlogsGet in Contact4020 E. Beltline Ave NE, Suite 103 Grand Rapids, MI 49525
ASpen Investment Management Main Logo White
@2025 Aspen Investment Management LLC
| Website by Austin at Launch Kit
DisclaimerADV Part 2ACRS 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.