Wealth Management
As an Independent Fee-Based Registered Investment Advisory Firm (RIA), our commitment is to your financial success. We specialize in providing integrated financial planning and wealth management for tax planning and retirement planning to individuals, families, businesses, trusts, and retirement plans.
Our approach to portfolio management and financial planning is systematic and deliberate, never left to chance. We take the time to understand your unique concerns and develop customized, diversified investment strategies. Our financial plans are designed to achieve a suitable balance of risk and liquidity, addressing both your immediate and long-term financial objectives.
Financial Planning
Constructing a financial plan is an ongoing process. We conduct regular portfolio reviews and maintain continuous personal communication to keep our clients informed. If questions, concerns, or significant financial developments arise, we can adapt our strategy effectively and immediately.
- Initial Inquiry: We meet with you in your home or office to get to know you. This initial meeting is an opportunity for us to explain our fee-only financial planning process.
- Data Gathering: We review your entire financial portfolio, define your goals, evaluate your liquidity needs, assess your risk tolerance, and formulate your retirement objectives. We identify strengths and weaknesses, uncover opportunities, and consider your philosophy, lifestyle, and goals to address complex, multi-dimensional, multi-generational issues.
- Financial Plan: We develop a plan designed to maximize the probability of success for your short- and long-term goals. The resulting plan is comprehensive, integrated, dynamic, and fully responsive to your individual circumstances. It is a financial expression of your personal vision.
- Implementation/Execution: We monitor your progress in reaching short-term goals and help you stay on course for long-term goals. As your personal CFO, we ensure your plan remains flexible and work with you to execute it with the highest level of clarity, control, and professionalism.
Portfolio Management/Wealth Management
We are not brokers. As a team of financial planners, Aljen’s investment philosophy emphasizes asset allocation and diversification to preserve assets and maximize portfolio growth throughout economic and business cycles. We approach investment recommendations with an open mind, custom designing each plan to achieve an appropriate balance that considers your risk tolerance, liquidity needs, and short- and long-term goals.
- Equities
- Corporate Bonds
- Municipal Bonds
- Government Securities
- Mutual Funds
- ETFs
- Master Limited Partnerships (MLPs)
- Real Estate Investment Trusts (REITs)
- Closed-End Funds
- Commodities
- Alternatives
Retirement Planning
We begin our retirement planning journey by asking two simple questions: “What do you envision for your retirement?” and “Based on your current financial situation, will you achieve your vision?” With people living longer, today’s retirees can expect to enjoy 20 to 30 years in retirement, compared to just 15 years for retirees in 1950. Longer lifespans bring new challenges that require careful consideration in retirement planning. At Aljen, we specialize in guiding clients through every stage of retirement planning, regardless of where they are in life.
Our retirement plans are designed to optimize social security benefits and include a variety of retirement vehicles:
- Traditional IRAs
- Rollover IRAs
- Roth IRAs
- SEP IRAs
- SIMPLE IRAs
- 401(k)
- Pensions
- Defined Benefit
- Individual(k)
We seamlessly integrate portfolio management with asset management to develop retirement savings strategies that help clients build assets and secure guaranteed income for life. Our investment portfolios and strategies are designed to:
- Protect their principal against market loss
- Grow retirement assets
- Accumulate more assets through the power of tax-deferral
- Adhere to fiduciary standards for client trust and security
College Planning
Your child’s education is an important consideration as your family grows. At Aljen, we assist you in setting up essential planning tools for this significant expense.
- 529 College Education Plans
- UGMA – Uniform Gift to Minors Account
- UTMA – Uniform Transfers for Minors Act
Estate Planning
Planning for asset transfer at death is a crucial component of retirement planning, especially for survivors who rely on these assets for financial security. Drafting a will is fundamental to ensuring assets are distributed according to the decedent’s wishes. Larger estates may face significant settlement costs and high death taxes, potentially requiring liquidation without proper planning.
- Aljen partners with estate plan attorneys to develop effective plans for wealth transfer to minimize taxation and efficiently accomplish our client’s goals.
- Multi-generational strategic planning.
Get In Touch
Phone
(973) 316-1212
Fax
(973) 316-0020
Address
210 Malapardis Road, Suite 201
Cedar Knolls, New Jersey 07927
Contact
210 Malapardis Road, Suite 201
Cedar Knolls, New Jersey 07927
Phone: (973) 316-1212
Fax: (973) 316-0020
Copyright © 2020 Aljen Asset Management, LLC. All rights reserved.
Aljen Asset Management, LLC is a Registered Investment Advisor. Advisory services are only offered to clients or prospective clients where Aljen Asset Management and its representatives are properly licensed or exempt from licensure. This website is solely for informational purposes. Investing involves risk and possible loss of principal capital. Material presented is believed to be from reliable sources and we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual advisor prior to implementation. Fee-Only financial planning and investment advisory services are offered through Aljen Asset Management, LLC, a registered investment advisory firm in the state of New Jersey.