Aspen Investment Management Inc.

Aspen Investment Management Inc. is a registered investment adviser that has been providing portfolio management services since 1993. The firm specializes in discretionary portfolio management, with some accounts managed on a non-discretionary basis. Clients are required to enter into a written agreement outlining the terms of service. The firm offers continuous advice based on individual needs, analyzing investment goals and objectives to develop an investment policy. Investment recommendations are tailored to each client's financial information, risk tolerance, and objectives, with consideration of market conditions. The firm's fee structure is based on a percentage of assets under management, with prorated adjustments for investments or withdrawals during billing periods. Clients have the option to be billed directly for fees or authorize fee deductions from their accounts. Aspen Investment Management Inc. does not charge performance-based fees and primarily serves individuals, high net worth individuals, trusts, estates, and charitable institutions. The minimum account requirement is typically $250,000, but this may be waived under certain circumstances. The firm's investment strategies include fundamental and technical analysis, aiming for conservative growth of capital while minimizing risk. Clients can choose from various investment strategies such as current income, conservative, balanced, growth, and equity. Aspen Investment Management Inc. manages assets on a discretionary or non-discretionary basis, with $285,476,281 in client assets managed on a discretionary basis as of December 31, 2024. The firm does not have any disciplinary events to disclose and maintains custody of client assets through a qualified custodian.