A clear plan for the money you have.
Financial-strategy conversations built for rural families and small business owners—not Wall Street. We start by listening to your real cashflow and the decisions ahead. No sales scripts, no product pitches, no pressure.
Who we have these conversations with.
We work with hardworking families and independent operators across all 50 states who want a straightforward conversation about their money.
Rural Individuals & Families
Households managing everyday expenses, seasonal or agricultural cycles, and family milestones. We talk through how your money is organized and what questions come up along the way.
- Everyday cashflow and household budgeting
- Thinking through protection and emergencies
- Long-term decisions for the family
Small-to-Mid Business Owners
Solopreneurs, contractors, and local business owners whose personal and business finances overlap. We discuss how to think about that overlap and the decisions it creates.
- Personal and business cashflow
- Overhead and operating questions
- Tax-aware considerations to raise with your CPA
Retirement & Major Transitions
People nearing retirement, going through a change, or wondering whether it is too late to adjust course. We offer a candid, realistic conversation without promising a particular outcome.
- Downside-risk considerations
- Income questions for the years ahead
- Working through a major change
Topics we can work through together.
These are areas of discussion and planning—not guaranteed results. We talk them through with you and help you think about your options.
Cashflow
We can review where your money goes each month and talk through recurring expenses and trade-offs. The aim is a clearer picture of what stays under your control.
Risk & Protection
We can discuss what could go wrong—downturns, income gaps, or unexpected costs—and how your current setup might respond. No strategy removes risk entirely.
Retirement Decisions
We can talk through income, timing, and withdrawal questions for the years ahead, including inflation and longevity considerations, without assuming any particular return.
Tax-Aware Coordination
We can discuss tax considerations at a planning level and what to raise with your CPA. We do not prepare or file tax returns, and we do not give formal tax advice.
Business & Self-Employed Planning
For owners with irregular revenue or future transition questions, we can talk through how to think about the overlap between personal and business finances.
Further Conversations
Money questions change as life does. We are open to revisiting topics as your circumstances shift, on a timeline that works for you.
How the conversation works
A simple sequence where you stay in control at every step.
An Initial Conversation
A free, no-obligation talk to listen to your situation and what is on your mind.
Review the Picture
We talk through your cashflow, obligations, and the questions you are weighing.
Suggest a Strategy
We offer a way to think about your options. You take whatever time you need.
Revisit as Life Changes
If it makes sense, we can talk again as your circumstances or questions change.
We don't sell. We start with savings.
If we can lower your monthly expenses, you decide what happens next. Some people want to talk about growth. Some don't. Either way, we start with value—no sales pitches, no product push, and no pressure to continue.
Questions are welcome
There are no awkward questions here. Ask what you want to ask—we would rather talk it through than gloss over it.
A no-pressure first meeting
The first conversation is free and carries no obligation. You decide whether anything comes next, and when.
One conversation at a time
We talk through the questions in front of you and the trade-offs worth considering. No scripts, no rush.
Cort Steele Twitty — Founder
A conversation with Cort.
Cort Steele Twitty founded Aspen & Anchor Strategies to offer financial-strategy conversations for rural households and small-to-mid-sized business owners.
The approach is straightforward: listen first, talk through the real numbers and decisions, and suggest a way to think about them—without a sales pitch. The first conversation is free and carries no obligation.
When you reach out, you speak with Cort directly about your situation and your questions.
Recognition & Features
Frequently Asked Questions
Straightforward answers about the first conversation, the scope of our work, and what to expect.
Have a question about your situation?
Every situation is a little different. You are welcome to reach out and ask before deciding whether to have a full conversation.
Start with an honest conversation.
If you have questions about your money, you do not have to work them out alone. Let's talk through your situation and see what makes sense for you.
The initial conversation is free • No obligation to continue