Joe oversees ARIA’s Corporate Retirement Services program supporting plan sponsors with plan design, fiduciary compliance and administrative plan services.
He holds designations as both an Accredited Investment Fiduciary® (AIF®) and as a Certified Plan Fiduciary Adviser (CPFA).
We believe that everyone needs an estate plan because it is simply about control and protecting the ones that you love.
The ARIA team collaborates with our clients’ estate planning attorneys and CPAs to create and implement a strategy comprised of a combination of life insurance, legal trust structures, gifting and other planning strategies.
Our investment approach and philosophy centers around matching our clients’ investment objectives, their personal investor personality and industry best practices to create personalized investment strategies for each client.
As a saver and investor, it’s normal to worry about market uncertainty, portfolio fluctuations and how to achieve your goals. Our portfolio management team is experienced in matching the right portfolio to your needs – taking into consideration technical analysis, market valuation and economic health.
Our portfolio strategies are easy-to-understand, well-diversified and provide a deep focus on risk management. As part of your financial plan, we personalize an appropriate portfolio to your risk-profile score based on our scientifically-backed survey. When market conditions change, your investment holdings adapt accordingly. The portfolios keep your investments globally diversified while matching your individual risk profile to your investing objectives.
The end goal – achieving your investing goals with the minimum amount of risk.
We define retirement as the point at which you are free to leave your regular career because you’ve amassed enough wealth to continue your current lifestyle. Our planning includes investment management, income calculations, tax calculations and lifestyle profiling. Our goal is to provide you with a complete picture of your current financial condition and a clear savings / investment plan that is personalized to ensure a successful transition from full-time employment to the next phase of your life with the minimum amount of risk.
ARIA knows that finances are just one part of your busy life. We know that you have goals and dreams in many areas of your life, and that they affect decisions you will make. Your ARIA advisor will have ongoing conversations with you to fully understand your goals and objectives.
Once a carefully-designed retirement income plan has been established to help ensure a comfortable life for you, your family and your loved ones, we will periodically review this plan with you, and make recommendations and adjustments should your needs or situations change.
“involves charitable giving to human causes on a large scale. Philanthropy must be more than just a charitable donation. It is an effort an individual or organization undertakes based on an altruistic desire to improve human welfare. Wealthy individuals sometimes establish foundations to facilitate their philanthropic efforts.” – Investopedia
Philanthropic planning combines the client’s charitable goals taking into consideration estate and tax law to maximize the benefit to the chosen causes from the intended gift. Most strategies involve collaboration with the client’s estate planning attorney and their CPA.
ARIA Wealth Management’s Corporate Retirement Services can not only design and manage your corporate retirement plan but can also cover most of your plan’s administrative responsibilities, freeing you and your staff to focus on your business instead of your retirement plan. With our team of experienced, industry-trained associates and specialized processes, we can step in to assume the most time-consuming tasks while keeping you compliant with the newest regulations. Let our 3(16) services help!
Our Administrative Services include: Participant Notices, Compliance Manuals, Rollover Processing, Withdrawal Processing, Participant Support and Payroll.
Designing and maintaining a corporate retirement plan may sound simple enough but with new regulations, and subsequently, more employer responsibilities, ensuring your plan is in full compliance every year can be difficult. Our Fiduciary Services packages allow you to do just that while letting you put your focus back on the employees and growing your business. We offer a comprehensive list of services so you can select those most beneficial to your needs.
Our Fiduciary Services include: 3(16) Plan Administrator, 3(21) Plan and Investment Consulting, and 3(38) Plan and Investment Management.
The ARIA Portfolios are affordable, best-in-class Mutual Fund and ETF portfolio strategies that are also easy-to-understand, well-diversified and provide a deep focus on risk management. When market conditions change, holdings adapt accordingly. The portfolios are otherwise remarkably stable, defaulting to annual rebalancing.
The ARIA Portfolios keep your investments globally diversified while matching your individual risk profile to your investing objectives. You have your choice of either our “Index” option, focused on low internal cost ETFs, or “Leaders” option, a Mutual Fund variation featuring managers from well recognized firms.