Caring for Both Your Parents and Your Children

Balancing Multigenerational Financial Needs

Life as part of the sandwich generation—those simultaneously caring for aging parents and supporting their own children—presents complex financial and personal challenges. You're caught between these dual responsibilities while also securing your own financial future, including retirement planning. At Aspire Planning Associates, we understand the delicate balance required to manage these responsibilities effectively.

We combine comprehensive financial planning with strategic investment management to help you allocate resources wisely, prioritize competing goals, and build a strong foundation for all generations. By exploring the full range of your family’s needs—retirement income, education funding, and elder care costs, among others—we develop an integrated plan that respects your unique family dynamics and long-term aspirations.

Relocating to adapt to changing family needs? Our Relocation Services can guide you through every step, from selling your home or your parents’ property to choosing a tax-efficient location—allowing you to focus on providing the care your family needs.

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Ready to protect your family’s financial well-being? Call (925) 938-2023 or complete the form below to set up a consultation with an Aspire Planning Associates advisor.

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Financial Planning Articles for Multigenerational Care

Why Market Volatility Could Rise in 2025—And How to Stay Grounded

If there’s one constant on Wall Street, it’s that uncertainty never really goes away—and 2025 looks poised to deliver a heavier dose of it. In this article we dig into why we’re bracing for higher market volatility and, more importantly, how you can keep your financial plan and investment strategy on track amidst the ups and downs. Read More >

How Inflation Impacts Pre-Retirees

As everyday items become more expensive, discretionary income dwindles, leaving you with less money to allocate towards your savings and retirement accounts. In this article we outline several proactive steps you can take to mitigate the impact of inflation on your financial future. Read More >

7 Financial Tips for Parents: Planning for Your Child's Higher Education

This article is dedicated to parents who are planning for their children’s higher education and aiming to minimize the burden of student loan debt, which has grown significantly in recent years. Read More >

4 Ways to Apply the 80/20 Rule to Your Financial Pursuits

Following the Pareto Principle (commonly known as the 80/20 rule) which suggests that 80% of an outcome is often the result of just 20% of the effort you put into it—Here are 4 financial best practices that pack a lot of value per “pound.” Read More >

It’s Time to Get Reacquainted with Survivorship Life Insurance

With the $3.5 trillion dollar infrastructure bill facing a reconciliation vote, high income earners and the ultra wealthy are clearly in the crosshairs of tax hikes, putting the need for estate liquidity back on the forefront of transfer tax planning. Read More >

Protecting Your Child's Identity

Identity thieves would love to get your kids’ Social Security numbers. Here’s how to help protect your children against identity theft. Read More >

Money Management 101 for Kids

You have taught your kids how to read and how to ride a bike, but have you taught them how to manage their money? If you still have children at home, save them (and yourself) some heartache by teaching them the basics of money management. Read More >

Dealing with Our Parents as Elders: The Need for Control—Different Culture, Same Issue

As adult children, we need to give our aging parents what they need most: the control to manage their life and shape their legacy. Read More >

Aspire’s Core Financial Services

While we excel in helping clients navigate the unique demands of caring for aging parents and supporting their children, we also offer a comprehensive suite of financial planning services for every life stage. Our holistic service offering encompasses every aspect of financial well-being, ensuring you have the strategies needed to achieve your goals. These services include:

Financial Planning
Investment Management
Retirement Planning and Relocation
Estate and Philanthropic Planning
Insurance and Risk Management

Tax Planning
Executive Compensation Planning
Education Planning
Debt Management and Budgeting
Rental and Vacation Property Strategy

Our Fees & Philosophy

Our team prioritizes transparency and competitive pricing for all our clients. Our fee structure is straightforward, featuring a flat financial planning fee combined with an asset management fee based on the assets we manage for you. This approach guarantees high-quality, personalized service with no hidden costs. Our rates reflect the dedicated support and expertise we provide in helping you secure your financial future while balancing the dual responsibilities of caring for aging parents and supporting children. For more details, please visit our Fees and Philosophy page.

Our fees

Why Choose Aspire

You need to know that your wealth is working for you and your family, no matter what stage of life you’re in. That begins with a financial planning firm that’s truly dedicated to your best interests and success. As fee-only, goal-based CERTIFIED FINANCIAL PLANNER™ professionals, we uphold a fiduciary duty to prioritize your interests in every decision. You can trust that our guidance is aligned with your well-being—every step of the way.

Fee Only and Fiduciary

As a fee-only firm, we do not sell products or earn commissions, and as a Registered Investment Advisory firm, we have the legal obligation to put your best interests first. We embrace our fee-only, fiduciary status because it means you can trust that the advice we give is made with only your well-being in mind.

Goal Based

We recognize your values, resources, and life satisfaction are intertwined. That’s why we design portfolios around your personal objectives, not market benchmarks—helping you achieve the long-term returns you need to pursue what matters most.

CFP® Professionals

All of our advisors are CFP® professionals, having completed rigorous coursework, passed a comprehensive certification exam, and maintained ongoing education. This commitment to excellence means you can trust our guidance every step of the way.

Schedule a Get-Acquainted Meeting

Looking to secure a stable financial future for yourself and your loved ones? Connect with Aspire Planning Associates today for expert, fee-only, fiduciary advice tailored to your unique situation. Call us directly at (925) 938-2023, or complete our brief initial consultation questionnaire below to get started!

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