Purposeful Planning with Aspen Wealth Management

Hosted by Aspen Wealth Management

BusinessExplicit

Website RSS feed

Episodes

536

Latest episode

May 2026

Language

About the show

Learn, get inspired, and feel empowered about your financial life. Hear short tips about money management and true stories about the impact of financial planning on securing stability and financial freedom. At Aspen Wealth, we offer fee-only, customized tax and financial planning services to individuals, families, and small business owners. Hosted on Acast. See acast.com/privacy for more information.

Listen to episodes

60 recent

May 21, 20266 min

Making the Most of Your Executive Compensation

If you’re a corporate executive, your compensation package is likely far more complex than just a simple paycheck. Stock options, restricted stock units, deferred compensation, and equity awards can add up to meaningful wealth but only if they’re managed well.  In today's episode of Purposeful Planning, we’ll walk through the key components of executive compensation and what it takes to make sure you’re not leaving money on the table or creating unnecessary tax exposure along the way. Sources: 1. https://www.aspenwealthmgmt.com/resource-center/investment/executive-compensation-planning-maximizing-your-equity-benefits  2. https://www.aspenwealthmgmt.com/resource-center/blog/understanding-your-options  3. https://www.aspenwealthmgmt.com/resource-center/financial-planning/knowing-how-and-when-to-sell-rsus/  4. https://www.aspenwealthmgmt.com/resource-center/blog/equity-compensation/  5. https://www.irs.gov/pub/irs-drop/rp-12-29.pdf  The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. This information has been derived from sources believed to be accurate and is intended merely for educational purposes, not as advice.  Hosted on Acast. See acast.com/privacy for more information.

May 19, 20266 min

Downsize or Relocate? Smart Moves for Retirement

Should you stay, downsize, or move to a new state entirely? For many retirees, where and how you live are among the biggest financial decisions you will make. In today's episode of Purposeful Planning, we explore the financial and emotional sides of downsizing and relocation, so you can make the move that best fits your retirement picture. Sources: https://www.aspenwealthmgmt.com/resource-center/retirement/downsizing-or-relocating-retirement  https://www.aspenwealthmgmt.com/resource-center/retirement/retirement-lifestyle  https://smartasset.com/data-studies/where-retirees-move-2025  https://turbotax.intuit.com/tax-tips/fun-facts/9-states-with-no-income-tax/c9RZgthD3  https://www.aarp.org/money/retirement/retirees-top-states-2025/  The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. This information has been derived from sources believed to be accurate and is intended merely for educational purposes, not as advice.  Hosted on Acast. See acast.com/privacy for more information.

April 29, 20264 min

Managing Illiquid Assets in Your Financial Plan

If your portfolio includes real estate, a business interest, or private equity, you already know these assets don't behave like stocks and bonds. But are they truly working within your broader financial plan? In today's episode of Purposeful Planning, we'll talk through the strategies and best practices for managing illiquid assets as part of a balanced, diversified financial picture, including how to think about liquidity, tax planning, estate planning, and long-term wealth building.  Sources:   https://www.aspenwealthmgmt.com/resource-center/investment/managing-illiquid-assets https://www.aspenwealthmgmt.com/resource-center/investment/alternative-investments-more-than-stocks-and-bonds https://www.aspenwealthmgmt.com/financial-planning https://www.aspenwealthmgmt.com/investment-management https://www.aspenwealthmgmt.com/tax-planning  https://www.aspenwealthmgmt.com/estate-planning https://www.aspenwealthmgmt.com/resource-center/estate/gifting-strategies-without-hurting-retirement   The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.    This information has been derived from sources believed to be accurate and is intended merely for educational purposes, not as advice.   Aspen Wealth Management is a registered investment advisor with the SEC.  Hosted on Acast. See acast.com/privacy for more information.

March 11, 20264 min

Alternative Investing: More Than Stocks and Bonds

When most people think about building wealth, they picture stocks, bonds, and maybe a savings account. But there's a whole world of alternative investments, from real estate and private equity to collectibles and digital assets, that could play a role in a well-rounded portfolio. In today's episode of Purposeful Planning, we're breaking down what alternative investments are, why they might be worth considering, and what you need to think through before diving in.  Sources:    https://www.aspenwealthmgmt.com/resource-center/investment/alternative-investments-more-than-stocks-and-bonds https://www.aspenwealthmgmt.com/  https://www.aspenwealthmgmt.com/investment-management   The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.    This information has been derived from sources believed to be accurate and is intended merely for educational purposes, not as advice.   Aspen Wealth Management is a registered investment advisor with the SEC.  This recorded posting utilizes AI generated voiceovers. While the Firm strictly prohibits the use of AI for advisory activities constituting investment advice, financial plans, portfolio analysis and management, and reporting, the use of AI for other purposes, such as voiceovers, is permitted and utilized for the firm’s recordings.  Hosted on Acast. See acast.com/privacy for more information.

March 4, 20264 min

Premium Tax Credit: What It Is and Who Qualifies

Health insurance costs are rising for many Americans following the expiration of enhanced ACA subsidies at the end of 2025. In this episode of Purposeful Planning, we explore how the Premium Tax Credit works, who qualifies, and the options available to those who no longer receive enhanced subsidies. Whether you're self-employed, in early retirement, or simply looking for affordable coverage, understanding these changes is crucial for managing your healthcare costs in 2026.  Sources:    https://www.irs.gov/credits-deductions/premium-tax-credit-ptc-overview#:~:text=The%20premium%20tax%20credit%20%E2%80%93%20also%20known,with%20Form%208962%2C%20Premium%20Tax%20Credit%20(PTC). https://openenrollment.healthcare/insurance-marketplace-healthcare-quotes/  https://www.cms.gov/marketplace/outreach-and-education/health-savings-account.pdf  https://www.healthcare.gov/glossary/high-deductible-health-plan/  https://www.aspenwealthmgmt.com/  https://www.aspenwealthmgmt.com/financial-planning  https://www.aspenwealthmgmt.com/blog/webinars/from-countdown-to-confidence-your-retirement-transition-checklist https://www.aspenwealthmgmt.com/resource-center/tax/understanding-the-premium-tax-credit-are-you-eligible   The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.    This information has been derived from sources believed to be accurate and is intended merely for educational purposes, not as advice.   Aspen Wealth Management is a registered investment advisor with the SEC.  This recorded posting utilizes AI generated voiceovers. While the Firm strictly prohibits the use of AI for advisory activities constituting investment advice, financial plans, portfolio analysis and management, and reporting, the use of AI for other purposes, such as voiceovers, is permitted and utilized for the firm’s recordings. Hosted on Acast. See acast.com/privacy for more information.

February 6, 20264 min

Donor Advised Funds: Maximize Your Charitable Impact

Tax law changes have made it harder for many people to benefit from charitable deductions, but that hasn't stopped Americans from supporting the causes they care about. In this episode of Purposeful Planning, we explore how donor-advised funds offer a flexible, tax-efficient way to maximize your philanthropic impact. From batching contributions to understanding the new restrictions under OBBBA, discover strategies that help you give more effectively while potentially reducing your tax bill.  Sources:    https://www.irs.gov/newsroom/irs-releases-tax-inflation-adjustments-for-tax-year-2026-including-amendments-from-the-one-big-beautiful-bill  https://taxnews.ey.com/news/2025-2004-irs-and-treasury-2025-2026-priority-guidance-plan-includes-various-projects-applicable-to-tax-exempt-organizations#:~:text=Guidance%20under%20IRC%20Section%204966%20addressing%20taxable,other%20guidance%20items%20on%20DAFs%20being%20removed https://taxfoundation.org/blog/charitable-deduction-big-beautiful-bill/  https://www.aspenwealthmgmt.com/investment-management https://www.aspenwealthmgmt.com/about-us/#ourteam  https://www.aspenwealthmgmt.com/contact-us-fee-only-advisors-fort-worth  https://www.aspenwealthmgmt.com/resource-center/financial-planning/donor-advised-funds-charitable-giving   The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.    This information has been derived from sources believed to be accurate and is intended merely for educational purposes, not as advice.   Aspen Wealth Management is a registered investment advisor with the SEC.  This recorded posting utilizes AI generated voiceovers. While the Firm strictly prohibits the use of AI for advisory activities constituting investment advice, financial plans, portfolio analysis and management, and reporting, the use of AI for other purposes, such as voiceovers, is permitted and utilized for the firm’s recordings.  Hosted on Acast. See acast.com/privacy for more information.

January 2, 20264 min

Early Retirement and Tax-Smart Roth Conversions

Early retirement is a dream for many Americans, but making it work requires more than just saving enough money; it requires smart tax strategies. In this episode of Purposeful Planning, we explore how Roth conversions can help early retirees reduce their lifetime tax burden and create more tax-free income in retirement. From understanding the five-year rule to timing your conversions strategically, discover whether this approach makes sense for your situation.  Sources:    https://www.aspenwealthmgmt.com/retirement-planning https://www.aspenwealthmgmt.com/tax-planning https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-required-minimum-distributions-rmds  https://www.financialplanningassociation.org/learning/publications/journal/MAY23-arithmetic-roth-conversions-OPEN  https://smartasset.com/taxes/conversion-tax-planning-strategy  https://www.aspenwealthmgmt.com/about-us  https://www.aspenwealthmgmt.com/contact-us-fee-only-advisors-fort-worth  https://www.aspenwealthmgmt.com/resource-center/estate/gifting-strategies-without-hurting-retirement  https://www.aspenwealthmgmt.com/resource-center/retirement/early-retirement-and-tax-smart-roth-conversions   The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.    This information has been derived from sources believed to be accurate and is intended merely for educational purposes, not as advice.   Aspen Wealth Management is a registered investment advisor with the SEC.  This recorded posting utilizes AI generated voiceovers. While the Firm strictly prohibits the use of AI for advisory activities constituting investment advice, financial plans, portfolio analysis and management, and reporting, the use of AI for other purposes, such as voiceovers, is permitted and utilized for the firm’s recordings.  Hosted on Acast. See acast.com/privacy for more information.

December 15, 20254 min

Helping Your Kids Without Hurting Your Retirement

Most parents would do anything to help their children succeed, but providing financial support shouldn't come at the expense of your own retirement security. In this episode of Purposeful Planning, we explore smart gifting strategies that allow you to support the next generation while protecting your financial future. From strategic giving approaches to understanding gift tax implications, discover how to help your kids build better lives without compromising your own.  Sources:    https://www.kiplinger.com/retirement/gifting-while-you-are-alive-tax-benefits-and-practical-tips  https://www.aspenwealthmgmt.com/resource-center/estate/estate-planning-mistakes-to-avoid https://www.aspenwealthmgmt.com/resource-center/estate/gifting-strategies-without-hurting-retirement   The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.    This information has been derived from sources believed to be accurate and is intended merely for educational purposes, not as advice.   Aspen Wealth Management is a registered investment advisor with the SEC.  This recorded posting utilizes AI generated voiceovers. While the Firm strictly prohibits the use of AI for advisory activities constituting investment advice, financial plans, portfolio analysis and management, and reporting, the use of AI for other purposes, such as voiceovers, is permitted and utilized for the firm’s recordings.  Hosted on Acast. See acast.com/privacy for more information.

December 9, 20255 min

Alternative Investing: Beyond Stocks and Bonds

When most people think about investing, stocks and bonds come to mind. But what about that vintage car collection, your rare coins, or even that comic book from the 1960s? In today's episode of Purposeful Planning, we're exploring the world of alternative investments, from collectibles to real estate to digital assets. We'll discuss what makes these investments unique, the opportunities they present, and how they might fit into your overall financial picture. Whether you're a passionate collector or simply curious about diversifying beyond traditional markets, this conversation is for you.  Sources:    https://www.aspenwealthmgmt.com/investment-management https://www.aspenwealthmgmt.com/resource-center/investment/alternative-investments   The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.    This information has been derived from sources believed to be accurate and is intended merely for educational purposes, not as advice.   Aspen Wealth Management is a registered investment advisor with the SEC.  This recorded posting utilizes AI generated voiceovers. While the Firm strictly prohibits the use of AI for advisory activities constituting investment advice, financial plans, portfolio analysis and management, and reporting, the use of AI for other purposes, such as voiceovers, is permitted and utilized for the firm’s recordings.  Hosted on Acast. See acast.com/privacy for more information.

November 24, 20254 min

"One Big Beautiful Bill" at Year-End: Tax Considerations

With the passage of the One Big Beautiful Bill Act earlier this year, the tax landscape has shifted significantly for 2025 and beyond. In this episode of Purposeful Planning, we explore the expiring tax credits you need to act on before year-end, the new opportunities for tax savings, and changes that could affect everyone from retirees to small business owners. Whether you're planning for estate transfers or maximizing deductions, understanding these changes is crucial for effective year-end tax planning.  Sources:   https://www.irs.gov/credits-deductions/residential-clean-energy-credit  https://www.irs.gov/credits-deductions/energy-efficient-home-improvement-credit  https://www.irs.gov/credits-deductions/businesses/sustainable-aviation-fuel-credit  https://bradfordtaxinstitute.com/Content/How-the-OBBBA-Impacts-Your-AMT-Risk-Starting-in-2026.aspx https://www.hartfordfunds.com/insights/investor-insight/navigating-longevity/social-security/the-obbbas-new-social-security-deduction-what-it-really-means-for-retirees.html https://smartasset.com/taxes/trumps-plan-to-eliminate-the-state-and-local-tax-deduction-explained  https://www.usatoday.com/story/money/2025/08/30/trump-accounts-1000-one-big-beautiful-bill/85855571007/  https://www.laboremploymentlawblog.com/2025/07/articles/employee-benefits/what-employers-should-know-about-the-one-big-beautiful-bill-act-obbba/#:~:text=Bonus%20depreciation%20is%20a%20tax,in%20long%2Dterm%20capital%20planning.  The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. This information has been derived from sources believed to be accurate and is intended merely for educational purposes, not as advice. Aspen Wealth Management is a registered investment advisor with the SEC. This recorded posting utilizes AI generated voiceovers. While the Firm strictly prohibits the use of AI for advisory activities constituting investment advice, financial plans, portfolio analysis and management, and reporting, the use of AI for other purposes, such as voiceovers, is permitted and utilized for the firm’s recordings.  Hosted on Acast. See acast.com/privacy for more information.