Financial Planning

Financial Planning

Money can be tough for a lot of people. In fact, a 2023 BankRate survey found that 52 percent of Americans suffer mentally due to financial stress. At Aristocrat, we provide resources to help alleviate that stress.

Schwab Resources

In addition to managing a great 401(k) plan, our partnership with Charles Schwab gives you access to financial planning tools and experts. You can explore a number of their services, including:

Participant Webcast-Schwab Learning Center: A place to review general information and tools on Money Basics, Savings Fundamentals, Pre-Retirement Playbook, Financial Fitness Quiz, Schwab Safe, and Calculators & Resources. You do not need to log in to access.

My Learning Center: For more personalized information, tools, and webcasts. Must log in to access.

  • My Financial Guide – Create a personalize path to financial wellness
  • Webcasts, Videos, and Articles
    • On-Demand Webcasts, Videos, and Advice
    • Topics on Financial Wellness, Investing Fundamentals, and Retirement Planning
  • Tools and Resources
Concierge Services: Whatever financial opportunities and challenges come your way; professional guidance can help you make the most of it. Think of Schwab Financial Concierge as the first stop for all your personal finance needs. If you have a question, want guidance on the next step to take, or are looking to map out your financial goals, the Schwab Financial Concierge team is here to help.

Here’s how it works:

  • You can make an appointment or call 877-566-2027 at your convenience.
  • A Schwab financial professional will answer questions, address concerns, and put your needs and best interests first when offering guidance.
  • If you want to focus on planning, you can work with a Schwab professional to create a personalized financial plan at no cost to you.

Candidly Student Loan Resource: It’s important to start saving and investing early for future financial goals. But that’s not always easy to do when student loan payments eat up your budget. You now have access to Candidly,* a new student loan resource that may help you better understand and manage your student loan debt.

Key features include:

  • View all of your student loans from a centralized, streamlined dashboard.
  • Discover, compare, and apply for federal student loan repayment
  • plans, which could potentially lower your monthly student loan bill.
  • Pay down student debt faster with spare change from everyday purchases.
  • Discover and compare private lending and refinancing offers from top lenders.
  • Find 529 college savings plans to help cover education costs for you or a loved one.
  • Improve your financial literacy skills with exclusive educational content.

Explore Candidly student loan resources. Get started now

*Candidly is not affiliated with Schwab Retirement Plan Services, Inc., or its affiliates.

Lyra Work-Life Resources

Financial Consultations: Each member is entitled to one 30-minute no cost telephonic consultation with a financial counselor. Typical matters include credit counseling, debt and budgeting assistance, tax planning, retirement, and college planning questions. These services are provided by seasoned financial professionals and licensed CPA’s.

Tax Preparation and Consultation Component: Members are entitled to receive one 30-minute no-cost telephonic income tax planning-related consultation per year on each separate tax issue they encounter. Preparation of all personal income tax documents are prepared by a CPA at a preferred rate reduction of 25% from the CPA’s normal fee.

Resources: Members also have access to an online library of free financial articles and tools.

These services can be accessed through your Lyra account under “other resources” or by calling (877) 248-1047.

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