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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 has worked as a financial planner since 2008, advising numerous families and individuals on their financial situations. Prior to that she worked in the tech industry in Silicon Valley.

She is now completing the steps to become a Registered Life Planner® with the Kinder Institute. Kinder programs train and coach financial advisors worldwide in a method called Financial Life Planning, based on the premise that advisors should first discover a client’s most essential goals in life before formulating a financial plan. In this way, a client’s finances fully support those goals as they begin to move toward realizing them.


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.


  • Quoted in Palo Alto Online Couples Net, August 2018 “Couples: Retirement Hot Potato!”
  • Quoted in The Wall Street Journal, Oct 21, 2018 “The Problem When One Spouse Handles Finances
  • Co-Founder & Coordinator, Mindfulness Retreat for Financial Planners at Green Gulch Zen Center (annually since 2017)
  • Coordinator and Speaker on personal finance program for high school students in Palo Alto (Ongoing, since 2015, about 500 teens taught annually in living skills classes)
  • Speaker Liaison, for annual “FPA Far West Roundup” Conference (Ongoing, since 2011) Learn More
  • Featured guest on “Real Estate Radio LIVE” radio show episode Listen here


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.

​As part of the FPA pro bono team, one of her current activities is coordinating (and delivering) Financial Planning Talks at Palo Alto Schools in “Living Skills” classes. She and other Certified Financial Planners™ speak to 15 to 20 classes per year, reaching approximately 500 teens annually in a program that has been running since 2015.

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


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:




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.



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.



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.”



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.