Aspen Leaf Wealth Management, PBC

Fee-only financial advice for sustainably minded investors.

Financial planner in Golden, CO (show on map)

Fee-only financial advice for sustainably minded investors transitioning into retirement with $750,000+ to invest in ESG portfolios.

Call (720) 593-4660

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About

Aspen Leaf Wealth Management, PBC provides fee-only financial advice tailored for sustainably minded investors transitioning into retirement. With a focus on Environmental, Social, and Governance (ESG) investing, the firm helps clients reduce taxation and build portfolios aligned with strong environmental and social track records while eliminating poor performers.

The typical client has $750,000 or more to invest and seeks a financial plan that ensures long-term security. The firm emphasizes low-cost, tax-efficient index funds, global diversification, and rules-based rebalancing, all guided by independent research and client-specific circumstances.

Fee-only model with no product sales or commissions

Custody at independent, non-publicly traded brokerage firm (Altruist Financial, LLC)

ESG investing is the core focus, not a side project

Seasonal client service schedule respecting client time

Integration of tax reduction strategies with financial planning

Services

ESG Portfolio Management

Fee-only financial advice focused on ESG investing, tax reduction strategies, and personalized financial planning for clients with significant assets.

Fee-only model with no product sales or commissions Custody at Altruist Financial, LLC ESG investing is the core focus, not a side project Tax reduction strategies integrated with financial planning

Financial Planning

Comprehensive financial planning addressing retirement, healthcare, and estate planning needs.

Addressing questions about HSAs, Medicare, and estate communication Integration of tax reduction strategies

Tax Reduction Strategies

Quantitative analysis of tax-efficient investment strategies, including Roth conversions and account sequencing.

Quantification of tax strategy pros & cons Focus on reducing nonqualified dividends and optimizing account withdrawals

Credentials & Certifications

CFP®

Since N/A

ChFC®

Since N/A

CRPC®

Since N/A

Frequently Asked Questions

How are you different? +

Our goal isn’t necessarily to be different—it’s to be better. We let independent research guide our advice, all backed by a client’s individual circumstances explained in plain English.

What are your fees? +

Fees are based on a percentage of your household account balance invested in our model portfolios: Up to $999,999 – 1.00%/year; $1,000,000 - $1,999,999 – 0.85%/year; $2,000,000 - $2,999,999 – 0.70%/year; $3,000,000+ – 0.60%/year.

How does ESG screening work? +

We use specialized software that sources data from NGO watchdog groups, government stats, academia, and the SEC on thousands of mutual funds & ETFs to determine how a particular fund scores. Top scores are filtered to determine which funds show acceptable performance against a benchmark, exhibit low costs, follow their stated index, and are tax efficient.

What if I want a financial plan but don’t have $750,000 to invest? +

We don’t offer stand-alone financial plans without committing to our new client investment minimum. However, contact us anyway; potential exceptions can be made for households approaching our minimum. Alternatively, we know a handful of financial advisors we could refer you to.

How often would we meet? +

We believe in respecting your time. Clients are on a seasonal client service schedule, with proactive outreach for reviews, accountability check-ins, and tax time. Portfolio metrics and financial plans are available online 24/7, updated daily.

Do I have to invest all my money with you? +

No, but that means we won’t end up working together. Three reasons: (1) Using multiple advisors can create dysfunction between sales-centric advisors and our advice-focused approach; (2) DIY investing rarely outperforms professional advice and robs potential clients of our services; (3) If we haven’t earned your complete trust to manage your full suite of investment assets, we don’t deserve any of your business.