Ariadne Horstman

CFP®, RLP®

Appreciate Personal Finance

Financial Advisor/Founder

Ariadne Horstman

CFP®, RLP®

Appreciate Personal Finance

Financial Advisor/Founder

"Meaningful money management is my mission. I believe a healthy financial planning relationship begins with identifying your goals - your dreams - your purpose. I specialize in helping families navigate the process, including those whose assets, work and family span multiple countries." - Ariadne Horstman, CFP®, RLP®

For over a decade, Ariadne Horstman, CFP®, has been using her financial planning skills, training, and experience to help families and individuals make effective choices for their financial lives.

Ariadne Horstman is a Palo Alto, CA fee-only financial planner. Appreciate Personal Finance provides comprehensive and objective financial planning and investment management to help clients organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Ariadne Horstman is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.

Ariadne Horstman focuses on the following client markets or areas of practice:

  • Comprehensive Financial Planning
  • Socially Responsible Portfolios
  • International Planning & Advice
  • Retirement Income Planning

For more than a decade, Ariadne Horstman, CFP®, has been using her financial planning skills, training, and experience to help families and individuals make effective choices for their financial lives.

Ariadne began her career in personal finance in 2008 as a financial planner in India working both with Indian Nationals in India, as well as Non Resident Indians living throughout the world. 

Before coming to financial planning, Ariadne worked in Marketing for IBM in the Bay Area. Previous to that, she worked in France for many years and speaks French fluently. Her rich business background and liberal arts education allow her to easily grasp many different client situations and concepts.

She received a bachelor of Arts in Government and French from Smith College in 1986 and later earned a certificate in personal financial planning from the University of Santa Cruz.

Ariadne loves financial planning because it impacts people’s lives directly. Nothing makes her more happy than seeing clients achieve financial freedom, leave behind debt or make changes in their lives that lead to less stress and more satisfaction.

In addition to working with clients in her practice, Ariadne enjoys teaching financial planning to high school students as a volunteer and participating in her local financial planning community events and study group meetings.

Ariadne enjoys traveling with her family, attending dharma talks at local bay area meditation centers, reading, horseback riding, yoga, running and hiking.

Ariadne Horstman is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.

NAPFA members live by three important values:

  • To be the beacon for independent, objective financial advice for individuals and families.
  • To be the champion of financial services delivered in the public interest.
  • To be the standard bearer for the emerging profession of financial planning.

Appreciate Personal Finance, based in Palo Alto, California, offers Financial Planning and Investment Management Services to help you achieve your goals. Whether they include a comfortable retirement, education, financial freedom or all of the above and more, we can help guide you in the right direction.

As a Fee-Only Certified Financial Planner™,  Appreciate’s Ariadne Horstman is passionate about improving clients’ well-being through committed, personalized & insightful financial guidance.

We’re ready to work together to determine your financial priorities, outline your objectives and design the personalized roadmap that will get you there.

Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.

Specialties

  • Comprehensive Financial Planning
  • Socially Responsible Portfolios
  • International Planning & Advice
  • Retirement Income Planning

Ideal Clients

  • Growing Families
  • Retirees and Near Retirees
  • Business Owners and Executives
  • Sudden Money Situations
  • Novice Investors

Working Together

  • In-Office Meetings
  • Virtual Meetings
  • Clearly Defined Fees
  • No Product Sales
  • Complimentary Initial Consultation

Professional Designations & Affiliations

Contact Ariadne Horstman

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Office Locations:

  • 530 Lytton Ave
    2nd Floor
    Palo Alto, CA 94301

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