Recent Events & Press

  • Quoted in The Wall Street Journal, Oct 21, 2018. "The Problem When One Spouse Handles Finances"
  • Co-Founder & Coordinator, ​Mindfulness Retreat for Financial Planners, 2017 & 2018
  • Ongoing, Speaker on personal finance for high school students in Palo Alto (since 2015)
  • Ongoing, Speaker Liaison for annual "FPA Far West Roundup" Conference (since 2015)  Learn more
  • Featured guest on the “Real Estate Radio LIVE” radio show, May 6, 2016 episode Listen here

Commitment to Professionalism

customized & quality investing

Ariadne founded Appreciate Finance in 2015 to help individuals and families realize their personal financial goals and dreams through comprehensive financial planning and investment management. She is now completing the steps to become a Registered Life Planner in order to be more equipped to help guide people towards the calling in life which gives them the most meaning and satisfaction.

As a Financial Planner who has been practicing since 2008, Ariadne specializes in cross-border financial planning & investments, and working with individuals & their families of all ages.

San Francisco Bay Accueil

International experience

As an active member of the Financial Planning Association of Silicon Valley since 2010, Ariadne volunteers for its Pro Bono Committee, and has served as a board member & Director of Communications. She has also collaborated with local Bay Area organizations to promote financial literacy among the under-served, including women, school-children, and victims of domestic violence.

​As part of the FPA pro bono team, one of her current activities is coordinating (and delivering) Financial Planning Talks at Palo Alto High Schools during "Living Skills" classes. She and other Certified Financial Planners™ spoke to 19 classes in 2017, and hope to increase the impact and reach it can achieve with young adults in the area by expanding the program.

​Ariadne has also worked on a pro bono basis with individual members of the local community who are in need of financial guidance and lack the ability to pay for services.


Palo Alto Area Bar Association

PAABA is a local bar association for attorneys and associated professionals in Santa Clara and San Mateo counties. In the course of her work, Ariadne regularly works with with active attorneys in the Palo Alto area, and joined PAABA in early 2018. Beyond fostering connections and community between attorneys and related professionals, PAABA also focuses on service to the local community and maintaining high standards for the legal profession.

The Financial Planning Association® (FPA®) is the principal professional organization for CERTIFIED FINANCIAL PLANNER™ CFP® professionals, educators, financial services providers and students who seek advancement in a growing, dynamic profession. The ​FPA supports high standards of professional competence, ethical conduct and clear, complete disclosure when serving clients.

Ariadne Horstman, Certified Financial Planner™​

Image of Ariadne smiling, hiking

​Ariadne worked for InvestmentYogi based in Hyderabad, India from 2008 to 2012, developing a specialty in handling international financial planning situations, especially when the US is involved as the place of residence. Multiple families originating from other countries feature in her client portfolio alongside US citizens. She has lived in Europe and India and speaks French fluently. She has the experience, the contacts and the resources to manage situations involving financial, estate planning and tax complexity that arise when assets are held in more than one country by people of varying citizenships.

View Ariadne Horstman, CFP(R)'s profile on LinkedIn
Palo Alto Area Bar Association Logo: Learn more about PAABA
Gemmer logo: Learn more about Gemmer Asset Management LLC

​Although many professionals call themselves “financial planners,” CFP® professionals have completed extensive training and experience requirements and are held to rigorous ethical standards. They understand all the complexities of the changing financial climate and are held to a fiduciary standard to make recommendations in your best interest. From budgeting, to planning for retirement, to saving for education, to managing taxes and insurance coverage, a CFP® can provide you with the planning options you need.

FPA logo: Learn more about the Financial Planning Association

Board Service, Volunteer, & Pro Bono work

Appreciate PERSONAL Finance

Financial Planning & Advice, Investment Management, International Financial Planning

The San Francisco Bay Accueil is an organization whose mission is to facilitate the welcome of & support for French nationals those from Francophone nations who have immigrated to the United States. The organization provides opportunities for community-building and education about topics of interest & necessity for this community, such as events discussing accounting & taxes, the American educational system, and personal/professional development. In addition to being a participating member, Ariadne is also an organizer, and helps arrange meetings & presentations on financial topics such as life insurance, estate planning, retirement planning and more.

a standard of excellence

Mindfulness retreat group photo

national Association of personal financial advisors

NAPFA logo: Learn more about the National Association of Personal Financial Advisors

Ariadne Horstman, CFP® is proud to be a member of the following organizations, whose standards of quality & integrity Appreciate Personal Finance confidently adheres to in service of our clients:

Appreciate personal finance

Investment Management, International Planning & Advice, Financial Planning & Coaching

CFP gold Logo: Learn more about the Certified Financial Planner board & certification

Gemmer Asset Management LLC is an independent advisory firm (specializing in portfolios of individuals, families, & company retirement accounts) that works with independent financial professionals to deliver customized investment portfolios for their clients. This partnership allows partner advisors to focus on their clients' needs, while Gemmer focuses on the investment management & back office duties.

As a member of NAPFA, Ariadne is part of a network of advisors in the field who are professional, ethical financial advisors. From the NAPFA website:

"NAPFA-Registered Financial Advisors serve consumers. They are financial advisors who are highly competent and have met more than a de minimis certification standard, offer holistic service, and operate on an objective Fee-Only basis. That means they do not sell financial products on commission. They are unbiased, without the potential for conflicts of interest. Their only purpose is to look out for their clients’ overall financial well-being."

The annual Mindfulness Retreat for Financial Planners, now in its second year, which Ariadne co-founded with Spencer Sherman of Abacus Wealth Partners. Ariadne takes a holistic approach to finances as part of overall well-being.

SF Bay Accueil logo: Learn more about SF Bay Accueil