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Working With Halpern Financial

Read Our Client Pledge 

Q: Why is Halpern Financial Fee-Only and Independent? 
A: As a member of the National Association of Personal Financial Advisors (NAPFA), we are committed to aligning our interests with those of our clients. We can remain unbiased in our relationship with you because we accept no commissions or referral fees. Our compensation comes directly from our clients. Our independence from the broker-dealer and wire house world allows us to offer unbiased advice in an objective manner. 

Q: What is an Registered Investment Advisor?
A: A Registered Investment Advisor is any person that meets the definition of Investment Advisor under the Investment Advisers Act of 1940 and is registered with either their state or the SEC. In general a Registered Investment Advisor with more than $100 million under management must register with the SEC, and those managing less than $110 million may register at the state level. 

Q: What is a NAPFA-Registered Financial Advisor?
A: It indicates that a financial planner adheres to the industry's most demanding practice requirements, including Fee-Only compensation, and meets NAPFA's rigorous standards. Click here to learn more. 

Q: Does Halpern Financial accept commissions, referral fees or other hidden forms of compensation?
A: Absolutely not. Our sole compensation is management fees paid directly to Halpern Financial from our clients. 

Q: Why is a Fiduciary Oath important?
A: Halpern Financial believes in the concept that an advisor should always act in good faith and in the best interest of each client. As such, we all abide by a Fiduciary Oath and disclose any potential conflicts of interest to our clients. We strive to build relationships based on integrity, objectivity, competence, fairness, confidentiality, professionalism, and diligence. 

Q: How does Halpern Financial provide transparency in its business practices?
A: We subject to regulations set forth by the U.S. Securities Exchange Commission. Client assets are held at an independent third-party custodian. We avoid conflicts of interests by not accepting commissions or referral fees. We report performance on a quarterly basis, inclusive of any fees. 

Q: Who is a typical client?
A: Halpern Financial has relationships with a wide range of clients, including professionals and business executives, small business owners, widows, individuals, families, retirees, and those with sudden wealth via an inheritance. We best serve clients looking for exceptional client service and that value a long-term partnership. 

Q: Do you have a minimum portfolio size?
A: Our current minimum portfolio size is $1,000,000. However, minimum asset levels are not always imposed and we have a list of growing clients. If you have unique circumstances that you would like to discuss, please do not hesitate to give us a call. 

Q: How are fees determined?
A: Fees include a one-time establishment fee and quarterly advisory fees based on the level of assets under Halpern Financial's direct management. Advisory fees range up to 1.20% per year, billed quarterly in arrears. The overwhelming majority of mutual funds we use are traded free of charge. Fidelity assesses a transaction fee ($8.00 per trade for most accounts) for the purchase and sale of individual stocks and Exchange Traded Funds (ETFs). 

Q: How much does it cost to hold initial discovery meetings with your firm?
A: There is no cost for our initial discovery meetings. This meeting gives us the opportunity to get to know one another. We seek a mutual agreement before we begin assessing any fee. 

Q: Once we start working together, whom will I be working directly with?
A: Using a team approach you will have access to the expertise of all of Halpern Financial's professionals. The reputation of the Halpern Financial team, the breadth and depth of our experience will provide you with sound and unbiased advice. 

Q: Do you conduct trades and custody my assets for me?
A: While we serve as an Authorized Advisor to execute transactions on your behalf, you remain in control of your assets. Accounts are held in your name through the institutional platform of Fidelity Investments, an independent third party custodian. 

Q: As a client of Halpern Financial what type of account access do I have?
A: In addition to quarterly investment reviews and regular performance reporting, clients can access their accounts on the Halpern Financial website 24 hours a day. 

Q: How do you work with other professionals, like my CPA and attorney?
A: We believe clients are best served when their advisors use a coordinated team approach, benefiting from the expertise each professional provides. Privacy comes first, so after receiving your approval we encourage sharing of information and when appropriate, joint meetings with your key advisors. If you do not have an established relationship we will be happy to refer you to a trusted source to address your needs. 

Q: What questions should I ask when selecting an advisor?
A: We suggest reviewing the Pursuit of a Financial Advisor Field Guide, provided by the NAPFA, a non-profit organization for fee-only advisors dedicated to advancing the profession of financial planning. 

Q: How do I get started?
A: Please contact us to schedule your complimentary consultation. During this consultation we will take time to understand your goals and objectives and explain our investment methodology and philosophy on wealth management.

 

 Please review Important Disclosure Information set forth in the last section of this web site.

Media Mentions

In the Media:

2017

Wealth Advisor Ted Halpern quoted in "When You and Your Financial Advisor Disagree." US News & World Report. April 2017. 
 
Wealth Advisor Melissa Sotudeh quoted in "The Tipping Point: When Should You Write Your First Will?" US News & World Report. April 2017,
 
Wealth Advisor Melissa Sotudeh quoted in "Three Steps to a $1 Million College Fund." CNBC. March 2017.
 
Wealth Advisor Melissa Sotudeh quoted in "Ten Ways to Get a Good Return on Your Cash." Bloomberg. March 2017.
 
Wealth Advisor Ted Halpern quoted in "Not Getting a Big Tax Refund? You're Actually Doing It Right." TIME Money. March 2017.

Wealth Advisor Melissa Sotudeh quoted in "Top 6 Common Retirement Mistakes." Investopedia. March 2017.

Wealth Advisor Ted Halpern quoted in "4 Increasingly Popular Company Retirement Planning Perks." US News and World Report. March 2017.

Wealth Advisor Ted Halpern quoted in "How to Hire a Financial Advisor.Manta. March 2017.

Wealth Advisor Melissa Sotudeh's column "A CFP and Marathon Fan Takes on the Retirement Race" published in Financial Planning magazine. March 2017. 

Wealth Advisor Melissa Sotudeh quoted in "Say What? Decoding Ubiquitous Financial Jargon." US News & World Report. February 2017.

Wealth Advisor Melissa Sotudeh quoted in "How to Mess Up Retirement and Not Even Know It." Investopedia. February 2017.

Wealth Advisor Melissa Sotudeh quoted in "Bow Down to These 5 Money Lessons from Beyonce." Time. February 2017.

2016

Wealth Advisor Melissa Sotudeh quoted in "How to Keep Client Data Safe from Hackers." Financial Planning. January 2017. 
 
Wealth Advisor Melissa Sotudeh quoted in "Americans Fear Slim Savings in Unsure Times." InsuranceNews. December 2016.
 
Wealth Advisor Melissa Sotudeh quoted in "New Year's Can Strengthen Advisor-Client Relationships." Financial Advisor IQ. December 2016.
 
Wealth Advisor Ted Halpern quoted in "How to Set, and Keep, Your Personal-Finance Resolutions." Wall Street Journal. December 2016. 
 
Wealth Advisor Melissa Sotudeh's article "Tax-Smart Strategies for Retirement Savings" published on Nerdwallet and syndicated to newspapers nationwide. December 2016. 
 
Wealth Advisor Ted Halpern's article "5 Easy Financial Steps to Take Before the Year Ends" published on Investopedia. December 2016.
 
Wealth Advisor Melissa Sotudeh's article "9 Steps to Take Leading Up to Retirement" published on Investopedia. December 2016.
 
Wealth Advisor Ted Halpern's article "3 Reasons Why You Should Stop Timing the Market" published on Investopedia. December 2016.
 
Wealth Advisor Melissa Sotudeh's article "6 Financial Concepts You'll Actually Use" published on Nerdwallet and syndicated to newspapers nationwide. December 2016. 
 
Wealth Advisor Ted Halpern's article "5 Easy Financial Steps to Take Before the Year Ends" published on Investopedia. December 2016. 
 
Wealth Advisor Melissa Sotudeh quoted in "10 Ways to End 2016 on a Financial High Note." US News & World Report. December 2016. 
 
Wealth Advisor Melissa Sotudeh quoted in "10 Money Moves to Make Before the End of 2016." The Fiscal Times. December 2016. 
 
Wealth Advisor Melissa Sotudeh's article "Start Budgeting and Take Control of Your Cash Flow" published on Investopedia. December 2016.   
 
Wealth Advisor Melissa Sotudeh quoted in "9 Crazy Client Investments." Financial Planning. November 2016.
 
Wealth Advisor Melissa Sotudeh interviewed on the Martinis and Your Money podcast about the Find Your Financial Safety School ebook. November 2016.
 
Wealth Advisor Melissa Sotudeh's article "Paying for College? Learn These 5 Lessons First" published on Investopedia. November 2016.
 
Wealth Advisor Ted Halpern quoted in "10 Financial Advisors on What President Trump Means for Your Money Plan." Mashable. November 2016. 
 
Wealth Advisor Melissa Sotudeh quoted in "Investment Advisers Brace for the Transition Toward President Trump." InvestmentNews. November 2016. 
 
Wealth Advisor Melissa Sotudeh's article "College Savings Plans: Funding a 529 or Coverdell?" published on Investopedia. October 2016.
 
Wealth Advisor Ted Halpern's article "5 Ways to Help Older Parents With Money" published on Investopedia. October 2016.
 
Wealth Advisor Melissa Sotudeh's article "5 Financial Tips for New Parents" published on Investopedia. October 2016.
 
Wealth Advisor Melissa Sotudeh quoted in "10 Ways Parents Should Plan for College Financially." U.S. News & World Report. October 2016.
 
Wealth Advisor Melissa Sotudeh quoted in "Prepare Your Finances for a Layoff.U.S. News & World Report. October 2016.
 
Wealth Advisor Ted Halpern's article "8 Ways to Avoid Ruining Your Financial Life" published on Nerdwallet and syndicated nationwide. October 2016.
 
Wealth Advisor Melissa Sotudeh quoted in "How Kids Can Help Pay for College Without Waiting Tables." Nerdwallet. October 2016

Portfolio Manager Kirsty Peev quoted in "13 Ways to Take the Emotions Out of Investing.U.S. News & World Report. September 2016.

Wealth Advisor Melissa Sotudeh quoted in "Here Are the Best Savings Strategies for Your Personality Type." U.S. News & World Report. September 2016.

Wealth Advisor Melissa Sotudeh quoted in "5 Things to Know About a 401(k) Loan," Guidevine. August 2016.

Wealth Advisor Ted Halpern quoted in "7 Essential Money Questions Sure to Start a Conversation." New York Times. August 2016. 

Wealth Advisor Melissa Sotudeh's article "Teaching Money Skills at Every Stage of Your Child’s Life" syndicated to Nerdwallet, Nasdaq, and local newspapers nationwide. August 2016.

Planning Consultant Jennifer Davis quoted in Filing Early for Social Security: When it Makes Sense”, Investopedia. August 2016.

Wealth Advisor Melissa Sotudeh quoted in "Strategies for Students Too Rich for Financial Aid, Too Poor for College." U.S. News & World Report and Yahoo, July 2016.

Wealth Advisor Melissa Sotudeh quoted in "Paying a Tuition Bill: What to Know About Installment Plans." U.S. News & World Report. July 2016.

Wealth Advisor Melissa Sotudeh quoted in “What Financial Planners Wish You Were Doing About College Savings.” Forbes. July 2016. 

Wealth Advisor Ted Halpern’s article "Closing the Bank of Mom and Dad" syndicated to Nerdwallet, Nasdaq and local newspapers nationwide. July 2016.

Wealth Advisor Melissa Sotudeh quoted in "7 Common Misconceptions About 529 College Saving Plans," U.S. News & World Report, June 2016.

Wealth Advisor  Melissa Sotudeh quoted in " The 4 Most Common Retirement Mistakes," MSN, June 2016.

Wealth Advisor Melissa Sotudeh's article "It's a Marathon, Not a Sprint: 4 Stages of Retirement Planning" syndicated to nationwide publications, including Nasdaq and her hometown paper, The Austin-American Statesman. June 2016.

Wealth Advisor Ted Halpern quoted in "Financial Advisers Reach Out to Clients as Stocks Plunge in Brexit Wake," Investment News, June 2016.

Wealth Advisor Ted Halpern featured in a Nerdwallet Q&A "Should I Rush to Refinance Before the Fed Decides on Rates?" May 2016.

Wealth Advisor Ted Halpern's article "Debunking 5 Emergency Fund Myths" syndicated to nationwide publications, including Christian Science Monitor and Nasdaq.com. May 2016.

Planning Consultant Jennifer Davis quoted in "13 Money Mistakes That Are Keeping You in Debt." SELF. April 2016

Portfolio Manager Kirsty Peev quoted in "What Falling Ultra-Rich Ranks Mean for the Rest of Us." MSN. April 2016.

Wealth Advisor Ted Halpern quoted in Tips for Moving to a Low-Tax State,” Investopedia. April 2016.

Wealth Advisor Melissa Sotudeh's article Should You Be Working With a Financial Advisor” syndicated to Nerdwallet, Nasdaq, and local papers nationwide.

March 2016.

Wealth Advisor Ted Halpern's article Learn to Love Your Finances on a Money Date” syndicated to Nerdwallet and local newspapers nationwide. February 2016.

Wealth Advisor Melissa Sotudeh quoted in Why Your Retirement Calculator Could Be Your Downfall,” The Fiscal Times. February 2016. 

Wealth Advisor Melissa Sotudeh quoted in Long-Term Care: Why Advisors Need to Press Clients to Talk About It,” Investopedia. January 2016.

2015

Wealth Advisor Ted Halpern quoted in “Ratcheting Down Alimony-Related Tension for a Divorced Couple,” The Wall Street Journal. October 2015.

Wealth Advisor Melissa Sotudeh appeared on the Paying for College” episode of Martinis and Your Money podcast. October 2015.

Wealth Advisor Melissa Sotudeh quoted in “Why Your Financial Advisor Should Be a CFP,” Investopedia. October 2015.

Wealth Advisor Melissa Sotudeh quoted in The Key Characteristics Clients Want in an Advisor,” Investopedia. October 2015.

Wealth Advisor Melissa Sotudeh quoted in Not Investing Yet? Here’s How to Get Started,” The Simple Dollar. September 2015.

Portfolio Manager Kirsty Peev quoted in “High-Yield Jitters Lead Some Advisors to Sell ETFs,” The Wall Street Journal. July 2015.

Wealth Advisor Melissa Sotudeh appeared on radio show Your Money with Kent Smetters - Sirius XM 111 Business Radio. June 2015

Halpern Financial is featured on the Twenty Over Ten Client Showcase Blog. May 2015

Wealth Advisor Ted Halpern profiled in "Can’t Make a Decision? Try Visualization," Financial Advisor IQ. January 2015

2014

Wealth Advisor Melissa Sotudeh's article “College Savings for Procrastinators” published in The Wall Street Journal. November 2014.

Wealth Advisor Melissa Sotudeh profiled in  Voices: Melissa Sotudeh, on Late-Stage College Planning,” The Wall Street Journal. July 2014.

 

Community Involvement: 

Please review Important Disclosure Information set forth in the last section of this web site.

For Advisors

Where are you now?


Most RIAs know that business growth is crucial, but few have an actual plan to achieve it. What's your plan?

Grow With Halpern Financial

At Halpern Financial, we’ve been providing fee-only comprehensive wealth management services for more than twenty years. Now we’re branching out to form strategic alliances with other independent RIAs that currently operate as stand-alone entities. While there are many “Rollup Firms” or other organizations capitalizing on the trend toward consolidation, Halpern Financial can offer the technology capabilities of a large firm with the collaborative approach of a small team.

We can offer:

Rigorous Compliance Process

  • Strict adherence to industry regulations and growing documentation requirements
  • Transparency in fees and all other client interactions
  • In-house Compliance Officer offering efficient review of materials and ongoing training

State of the Art Technology

  • Integrated Portfolio Management and CRM
  • Advanced reporting capabilities
  • Client vault, paperless document storage, and virtual client meeting technology

Investment and Financial Planning Methodology

  • Asset allocation investing based on proven strategies aimed to minimize and control risks
  • A total Wealth Plan integrating the financial plan and a customized investment strategy
  • Standalone projections for a variety of wealth management issues

Low Investment Costs

  • A "Fee-Only", independent Registered Investment Advisory model that provides unbiased, objective investment advice
  • Institutional platform providing the benefit of trading efficiencies and lower costs

Tax Management

  • Tax efficient investing strategies seeking to maximize After-Tax returns
  • Audited and reviewed Cost Basis and other tax documentation

Marketing

  • In-house editorial support to create personalized client deliverables and internal documents
  • Press liason
  • Blogging and social media capacity

Client Service

  • Proactive client service, dedication to financial advocacy and portfolio education
  • Continuous monitoring of portfolios along with quarterly reporting and reviews

Strategic Alliances

  • Partnerships with a client’s existing advisory team that also leverage the firm's professional relationships

Where do you want to be?

At Halpern Financial, we can help bridge the gap from today’s reality to tomorrow’s goals. If you share our values of transparency, low fees and fiduciary responsibility, and see opportunity in a potential partnership with Halpern Financial, please contact us today.

 

Please review Important Disclosure Information set forth in the last section of this web site.

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