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Your child's financial future starts today

ARO is a financial training program and prepaid card that empowers teens ages 12-18 to take control of their own financial choices, learn the value of money, and understand how to make smart financial decisions.

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| Why ARO? |

5 key tools for parents and teens

ARO App | ARO Card | ARO Ed | ARO Network | ARO Deals

01

Web & Mobile Apps

ARO web and mobile apps enable you and your student to process payments, track transactions, create budgets, and so much more.
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02

ARO Card

The ARO Prepaid card integrates seamlessly with the ARO App so your teen can track spending, monitor budgets and receive payments.

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03

Curriculum

The ARO Ed curriculum walks parents and students through a simple process of making wise financial decisions and learning from financial mistakes before they have life-long consequences.

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04

Networking

Join a network of ARO parents throughout the country who are also training their students using the ARO program.

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05

Partnerships

Take advantage of partnerships with leading retailers, service providers and manufacturers to get discounts and special offers for everyday expenses.
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| How ARO Works |

ARO is easy as
EARN – BUDGET – SPEND

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EARN

Teens learn to connect work and reward, rejecting traditional allowance models

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BUDGET

Students are expected to budget and pay for their own real-world expenses
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SPEND

Students are empowered to make their own spending decisions with their custom ARO prepaid card
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| ARO Principles |

ARO

Incentivizes
Achievement

ARO

Trains Wise
Financial
Decision Making

ARO

Empowers
Young
Consumers

ARO

Encourages
Personal
Responsibility

ARO is real-world financial training

that will last a lifetime

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| The ARO Need |

Financial independence
from childhood to adult

Traditional financial literacy programs teach kids how to save money. ARO TRAINS teens, with real life situations, how to save and spend money.

of young adults said they receive financial support from their parents
0%
of young adults say they couldn’t afford current lifestyles without parents support
0%
of college students have over $1000 in credit card debt
0%
* Forbes “How Young Adults Feel About Financial Independence From Their Parents”, April 2019

From our Founder

My wife and I realized that in order to create life-long habits you need to TRAIN - not TEACH - the next generation for financial success. ARO trains teens how to save and spend and gives today’s teens a head start towards financial freedom and building wealth.

Brian J. Wise, Founder – ARO Financial, Inc.

| GET ARO |

Get Notified
When ARO Goes Live

Sign up to be one of the first to get ARO when it launches and get 6 months free.

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| GET ARO |

Get Notified
When ARO Goes Live

Sign up to be one of the first to get ARO when it launches and get 6 months free.