Five Star award winner Michael Aschberger AIF®, CRPC®, CRPS®

Service Profile

Financial Planning & Wealth Management Services

Michael Aschberger provides comprehensive financial planning services designed to help individuals, families, and business owners make informed financial decisions across every stage of life. Services are delivered through a structured, goal-based planning process that integrates investment management, risk management, retirement planning, estate considerations, and business planning strategies.

Investment Analysis & Portfolio Strategy

Investment analysis focuses on aligning financial resources with clearly defined objectives while managing risk and return expectations.

Services include:

Evaluating capital requirements, contribution strategies, and expected rates of return needed to meet financial goals
Building and maintaining appropriate cash reserves for liquidity and emergencies
Reviewing investment alternatives, including advantages, disadvantages, and risk characteristics
Designing asset allocation strategies intended to balance risk and return across asset classes

Investment decisions are evaluated in the context of time horizon, risk tolerance, income needs, and overall financial plan.

Risk Management Planning

Risk management planning addresses financial exposures that may arise from illness, disability, or premature death.

Services include:

Reviewing existing insurance coverage to identify gaps, redundancies, or inefficiencies
Evaluating strategies to help protect income, assets, and dependents
Coordinating insurance planning with overall financial and retirement goals

Risk management planning is designed to support financial stability during unexpected life events.

Retirement Planning

Retirement planning focuses on both the accumulation and distribution phases of retirement.

Services include:

Evaluating lump-sum distribution options from employer retirement plans
Projecting early, full, or delayed retirement scenarios
Developing income-generation strategies designed to support retirement lifestyle goals
Identifying opportunities to improve tax efficiency during retirement

Planning considers Social Security timing, retirement account distributions, and long-term sustainability of income.

Neither Osaic Wealth, Inc., nor its representatives, offer tax or legal advice. Clients should consult their tax and legal advisors regarding individual circumstances.

Estate Planning Strategies

Estate planning strategies are coordinated with financial planning to help preserve wealth and support legacy goals.

Services include:

Planning approaches designed to help protect privacy
Strategies intended to preserve family wealth across generations
Coordinating charitable giving objectives with broader financial goals

Estate planning services focus on planning coordination and do not include legal document preparation.

Investment Products

Investment recommendations are selected based on suitability, objectives, and overall planning considerations. Available investment products may include:

Money market instruments
Treasury bills, notes, and bonds
Stocks and corporate bonds (taxable and tax-free)
Real estate investment trusts (REITs)
Annuities (fixed and variable)
Individual retirement accounts (IRAs) and SEP IRAs
529 college savings plans

Investment products are evaluated as components of a broader financial strategy rather than in isolation.

Insurance Products

Insurance solutions may be used to address income protection, estate planning, or business planning needs.

Available products may include:

Individual and group life insurance (term, universal, fixed, and variable)
Disability income insurance
Private pension solutions
Key person insurance
Medicare supplemental insurance

Insurance planning is coordinated with investment, retirement, and estate planning objectives.

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This award was issued on 06/01/2026 by Five Star Professional (FSP) for the time period 09/10/2025 through 02/27/2026. Fee paid for use of marketing materials. Self-completed questionnaire was used for rating. This rating is not related to the quality of the investment advice and based solely on the disclosed criteria. 1847 Milwaukee-area wealth managers were considered for the award; 153 (8% of candidates) were named 2026 Five Star Wealth Managers. The following prior year statistics use this format: YEAR: # Considered, # Winners, % of candidates, Issued Date, Research Period. 2025: 1,686, 171, 10%, 6/1/25, 9/18/24 - 2/28/25; 2024: 1,647, 178, 11%, 6/1/24, 9/12/23 - 3/29/24; 2023: 1,636, 173, 11%, 6/1/23, 9/12/22 - 3/31/23; 2022: 1523, 171, 11%, 6/1/22, 9/27/21 - 3/25/22; 2021: 1036, 169, 16%, 5/1/21, 9/7/20 - 4/9/21; 2020: 1092, 172, 16%, 6/1/20, 9/16/19 - 4/10/20; 2019: 1061, 224, 21%, 6/1/19, 9/17/18 - 4/12/19; 2018: 1461, 220, 15%, 6/1/18, 10/3/17 - 4/18/18; 2017: 1148, 237, 21%, 6/1/17, 9/30/16 - 4/17/17; 2016: 923, 370, 40%, 5/1/16, 9/6/15 - 5/5/16; 2015: 1329, 430, 32%, 6/1/15, 9/6/14 - 5/5/15; 2014: 1744, 397, 23%, 6/1/14, 9/6/13 - 5/5/14; 2013: 2672, 524, 20%, 6/1/13, 9/6/12 - 5/5/13; 2012: 1291, 303, 23%, 6/1/12, 9/6/11 - 5/5/12.

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Securities and investment advisory services offered through Osaic Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth and Osaic Advisory.

Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. The award is based on 10 objective criteria. Eligibility criteria - required: 1. Credentialed as a registered investment adviser (RIA) or a registered investment adviser representative; 2. Actively licensed as a RIA or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by FSP, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or FSP's consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through FSP's consumer complaint process; feedback may not be representative of any one client's experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria - considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. FSP does not evaluate quality of services provided to clients. The award is not indicative of the wealth manager's future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their clients' assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by FSP or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by FSP in the future. Visit www.fivestarprofessional.com.