Financial Planning and Retirement Services

Whether it be a simple cash flow analysis and monthly budget, or a comprehensive long-term retirement and estate plan, everyone has a need for some type of Financial Planning.

From our web-based financial awareness program to our most comprehensive Estate level planning, Ariston has a program perfectly designed for every client.

Regardless of the level of service required, Ariston’s customized, goal-based planning services all begin with a proprietary review of a client’s current financial situation, and the opportunity to clearly define each of their future goals.  

We then provide our clients with the long-term tools, strategies and independent third-party analysis appropriate for their circumstance, in order to help them achieve those goals.

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Financial Awareness Program

Understanding your current financial situation is the very first step towards planning for your future. Our web-based Financial Awareness Program provides you with the tools necessary to do both.

Through a secure and encrypted personalized individual “website” each client can create personal budgets, keep track of cash flow and spending, bank account balances, income, insurance policies and so much more, all in real time.

As your financial situation changes due to changes in your life or lifestyle, your website updates and you always have access to current meaningful information.  

You can set short and long term financial goals and use the website to help monitor your progress as you work towards achieving them. Also, utilize the personalized website to address your families financial needs, whether as an opportunity to expose your children to the disciplines involved in budgeting and investing or as a tool to accumulate and monitor your parent’s financial information in a user-friendly interface.

You will also have unlimited secure storage to keep your most important documents and personal papers (passports, wills, insurance policies etc.), safe and available 24 hours a day, ( many clients also store their personal photos and music here too).

Your website will enable you to view and print dozens of updated personal financial reports, all based on real-time information and the future scenarios you’re curious about.  

Will you have enough money saved to take that dream vacation next year? Run the report and find out.  Will your social security and pension income be enough to fund your current lifestyle in retirement? Run the report and find out.

Take advantage of this powerful tool and take control of your financial life.

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Estate Level Financial Planning

At its core, effective financial planning requires a detailed knowledge of your current financial situation and an understanding of your future goals.  

Once determined, those personal and financial goals will drive a dynamic ongoing process which will need to be modified and adapted as your life and financial situations change.

Through Ariston’s Estate level planning services, one of our affiliated CFP professionals will review your existing assets and plans to determine, among other things, if you are paying too much in fees, if you are taking unnecessary risks within your portfolio, and if your current assets are even  appropriate for you based on your stated goals and risk parameters,

We will then use that knowledge and work closely with you and your other trusted tax and legal advisors to develop an integrated and personalized roadmap designed especially for you.

We are committed to helping you keep what has, or will take, a lifetime to acquire, and generally structure our plans with the goal of ensuring long-term objectives, minimizing tax liabilities, and maximizing wealth transfer to future generations.

So whether you have immediate needs such as a detailed cash flow, net worth, or budget analysis… or future goals like retirement or legacy planning which require complicated trust and estate vehicles, our advisors will be with you every step of the way to offer objective independent advice, personalized service, and practical ideas.

This holistic approach to planning is combined with our robust technology platform which provides a customized individual “website” for each client.  

This encrypted and secure portal will give you access to the most advanced interactive planning tools in the industry, including a consolidated dashboard view of each of your accounts and all of your assets, regardless of which bank or brokerage firm those assets are held… all in real time.

This customized and secure real-time view of your current financial picture helps make the process of comprehensive financial planning more dynamic, accurate and efficient.

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Social Security Reviews

Social Security Benefits are often the largest single retirement asset that an individual owns.

For most Americans, social security retirement benefits typically represent 30-60% of their retirement income and yet, according to the National Social Security Association, LLC over 90% of social security recipients receive less money than they are entitled to.

This oversight represents tens of thousands or even hundreds of thousands of dollars in lost retirement benefits.

The current Social Security system is very complex (over 2,700 rules that govern social security and 500 possible elections), and agents at the Social Security Administration (SSA) are prohibited from providing advice on filing strategies as well as on the taxation of benefits.

In addition to the numerous rules and filing options, one should also take into account one’s health status, life expectancy, need for income, how long you plan to work and survivor needs. All of these factors should be considered in determining your optimal filing strategy.

As a result, we will arrange a consultation, and generate a comprehensive, customized Social Security Plan with alternative options. We will also assist you in any timing, tax consequences, retirement issues related to the strategy, and help you coordinate with your other professional advisors (CPA and/or attorney).

Your social security filing election may be the most important financial decision you make in planning for retirement. Coordinating this valuable benefit along with your other retirement assets, and in a tax-efficient manner, is critical in developing a financially sound retirement income plan.

If you are approaching retirement perhaps now is the time to take a closer look at all of the numerous and valuable benefits that social security has to offer.

Click here to contact an Ariston agent.

Ariston Advisory Group

12 Broad Street
Ste 304
Red Bank, NJ, 07701

Call Us: (800) 973-0443

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