Frequently Asked Questions

  • What is a Certified Financial Planner® (CFP®)?

    • Licensed by the Certified Financial Planner Board of Standards, CFP®
 must complete an advanced college-level course of study addressing financial planning subject areas, including insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning. In addition, they must pass the comprehensive CFP®
 certification examination and obtain at least three years of full-time financial planning-related experience. To maintain the designation, CFP®
 must complete 30 hours of continuing education every two years.

  • What is a Registered Paraplanner® (RP®)?

    • Individuals who hold the RP®
 designation have completed a course of study encompassing the financial planning process, the five disciplines of financial planning and general financial planning concepts, terminology and product categories. RP®
 also complete a three-month internship. Additionally, they must pass an end-of-course examination that tests their ability to synthesize complex concepts and apply theoretical concepts to real-life situations. Designees renew their designation every two-years by completing 16 hours of continuing education, reaffirming adherence to the Standards of Professional Conduct and complying with self-disclosure requirements.

  • What is a “fee-only” planner?

    • A fee-only planner is someone who, in all circumstances, is compensated solely by the client, with neither the advisor nor any related party receiving compensation that is contingent on the purchase or sale of a financial product. A fee-only planner does not receive commissions, rebates, awards, finder’s fees, bonuses, or any form of compensation from others as a result of a client’s implementation of his or her planning recommendations.

  • Why is fee-only compensation of critical importance?

    • As a fee only registered investment advisor, we adhere to a strict fiduciary standard that always puts your interests first. Our only loyalty is to your success, and your financial plan and investments.

  • What is your fee structure?

    • At Arista Advisory Group, LLC, our asset management compensation is 100% transparent, so you know exactly what we make and the value we provide. We charge a competitive asset under management (AUM) annual fee that is computed on the value of the assets we manage. In certain circumstances, a financial planning fee may be charged.

  • Do you have a minimum account size?

    • At Arista Advisory Group, LLC, minimum account size is negotiable. When a client is referred to us, we respect that referral and treat each client with an equal level of service and respect, regardless of account size.

  • How do I know my money is safe?

    • Our firm works directly with independent third-party regulated custodians, including Charles Schwab. You can establish 24/7 access and visibility to your Schwab accounts via an online client portal. Your funds will never be comingled with any other investments.

  • Can I use just one of your services?

    • Our values-centered services are designed to help you achieve balance in your life. Because we work with you to deliver a customized approach that is aligned with your personal values and supports your environmental and social beliefs, our recommendations typically span all areas of your finances. While the majority of our clients seek our comprehensive services, when appropriate, we are able to offer only those services you feel will address your needs.

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Contact Info

New York Office
255 Washington Avenue Extension
Suite 204
Albany, NY 12205
Phone: 518-464-0319
Fax: 518-464-5004
Email: Info@aristaadv.com

Hawaii Office
841 Bishop Street, Suite 1607
Honolulu, HI 96813
Phone: 808-531-5665
Fax: 518-464-5004
Email: Info@aristaadv.com

 

California Office
Dovetail Financial Planning

Phone: 831-227-2624
Fax: 518-464-5004
www.dovetailfinancialplanning.com
Email: bernard@dovetailfinancialplanning.com
Email: barnard@aristaadv.com

Massachusetts Office
314 Main Street, Suite 13
Great Barnington, MA 01230
Phone: 413-717-3139
Fax: 518-464-5004
www.aristaadv.com
Email: melissa@aristaadv.com