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Building a Bridge

to a better tomorrow

Halpern Financial's team of incredibly smart people is dedicated to your best interests
as you navigate the path towards wealth.

 

Take the first step. 


Our Approach To Wealth Management

There are a number of ways to reach your financial goals, but that all depends on your specific needs. Our clients benefit from the sum of our team’s talents in financial consulting, portfolio management, and personal finance education over a lifetime, from optimizing retirement saving to creating a legacy for generations to come.


Charting A Path To Tomorrow's Goals

The first step of the journey is listening. While everyone’s destination is different, we have the expertise and tools to chart an individualized path to achieve your goals. Our specialty is providing unbiased advice for the large and small financial decisions faced by high net worth individuals and families.

We are a fiduciary. That means we always put our clients’ best interest first, and we work to make sure that you have what you need for your financial future. That’s why we are:

Fee-Only

fee only percentage of AUMWe receive no compensation from any product provider or transaction. Rather, we charge on a “fee-only” basis (a percentage of assets managed). We are paid solely by our clients to give advice and manage their portfolio.


Independent

independent We have no affiliation with any bank, broker, or insurer, and we avoid all conflicts of interest. Our loyalty is firmly to our clients.


A Registered Investment Advisor

registered investment advisor

We are subject to regulatory standards set by the U.S. Securities and Exchange Commission.


Institutional Access

institutional fundsOur clients benefit from the same exclusive access and cost savings as institutional investors. This access is typically not available to individual investors.


Great Listeners and Explainers

great listenersOur clients share their financial hopes, dreams, and fears with us. They trust us not only to handle the financial complexities of their lives, but also to understand what is important to them and provide guidance on the path to achieve financial goals.


Transparent

transparencyOur independence allows total transparency about our offering. You  wouldn’t hire any other professional without understanding what you get in exchange for the cost. Why should financial advice be different?

Becoming a client

We believe clients deserve a long-term advisory relationship based on integrity and trust, which fosters open communication, encourages candid advice, and promotes innovative strategies. Here’s the path we follow to achieve this.

Step 1: Discovery

Our complimentary discovery meeting will center on learning about your financial needs and goals, while giving you the opportunity to ask questions and learn more about the values, philosophy, and capabilities of Halpern Financial.

Step 3: Review and Recommendation (R&R)

After gathering your information, we will develop a comprehensive review and recommendation report. This report provides a clear picture of the strengths and weaknesses of your current financial situation and presents strategies to help reach your financial goals and objectives.

Step 5: Portfolio Development

This report details your customized target portfolio allocation based on your objectives and risk propensity and includes specific steps to reach your target portfolio. We use a number of techniques to ensure your portfolio is implemented prudently, including "in-kind" transfers, value-based dollar-cost-averaging and downside protection measures.

Step 2: Wealth Profile

We continue the data gathering process using the Wealth Profile. This provides an overview of your current financial situation, helping us become more aware of your concerns and objectives, and organize and prioritize your goals.

Step 4: Engagement and Establishment

We will then begin establishing accounts and initiating the transfer process. During the establishment process we keep you informed of progress through proactive communication making it a simplified and seamless experience.


Step 6: Monitor and Review

By its definition wealth management is an ever-changing process and the approach needs to be flexible to adapt to life events, changes in the markets and economy, as well as new regulatory legislation. In addition to regular portfolio rebalancing and performance reviews, we believe it is essential to regularly assess progress towards your goals and objectives.


Find Out what It's Like To Be A Client


Investment Methodology

We use a disciplined, scientific investment process that focuses on each client’s unique objectives. Our portfolios are designed to mitigate controllable risks and maximize after tax returns. 

Our investment philosophy is influenced by economist Eugene Fama’s Nobel Prize-award-winning research on Modern Portfolio Theory and Efficient Markets. This helps us to find the optimal balance asset mix for each client’s needs, balancing potential risk and returns.

Focus

We focus on the factors that are within our control (as opposed to trying to predict the fickle moves of the market). 

Regular Rebalancing

Rebalancing is the only way to improve your probability of consistently buying low and selling high. However, it feels very counterintuitive to buy “losers” and sell “winners,” so very few individual investors actually do rebalance.

Tax Efficiency 

Our portfolios for tax-deferred and after-tax accounts are designed to ensure that various investments are in the correct type of account to limit taxes. In addition to the broad portfolio design, we take tax efficiency into account on a variety of levels, taking specific investments, cash flow needs, and the individual’s tax situation into account. This includes holding the right securities in the right type of accounts, and monitoring the tax implications of gains against losses.

Low Institutional Costs

The funds and ETFs we select for our portfolios have extremely low expense ratios, which keeps more money “in your pocket” to grow through the power of compounding. Because of our size and institutional access, we are also able to trade free of cost, and we only use products free from commissions and other hidden fees.

Transparency

We perform regular performance reporting, use independent third party custodians, and present no hidden fees.

Learn More. Contact Us.

Management Fees

Halpern Financial is strictly fee-only. Our fee consists of an annual percentage of assets managed plus an initial one-time client establishment fee. This covers all-inclusive, holistic wealth management. We do not assess separate fees for  financial consulting services; this is all included. This structure places advisor and client on the same side of the table. The only way we are compensated is to grow your assets under management—not to sell you proprietary products laden with fees and commissions!

Advisory Fees are automatically deducted on a quarterly basis from your accounts. The fee is assessed in arrears on the first day of each calendar quarter—in January, April, July and October. (Example: 1% annual fee/0.25% per quarter) If preferred, you can request to pay the fees manually and will receive an invoice each quarter.

Our tiered fee schedule provides discounted rates as your assets grow. (For assets under $1 million, see "Minimums" section below.)

Minimums

The minimum size for beginning an investment advisory relationship with Halpern Financial is $1 million, except for existing clients, their families and referrals. Accounts may be aggregated to meet the $1 million minimum relationship size. We will assess a 1.2% annual fee and a one-time client establishment fee of $1,500 on any accounts accepted for management that do not meet our $1 million minimum. Halpern Financial may waive its 1.2% minimum fee or charge a lesser investment advisory fee or Client Establishment Fee based upon certain criteria (i.e. anticipated future earning capacity, anticipated future additional assets, dollar amount of assets to be managed, related accounts, account composition, negotiations with client, etc.).

Client Establishment Fee

The Client Establishment Fee covers the preliminary work done during the initial stages of the client relationship. This includes the Review and Recommendation report, establishing accounts, and any other. The CEF is a one-time flat fee payable within 30 days of signing the Investment Advisory Agreement. 

Fee range is shown below. The CEF may be debited from the client's account or paid separately. (For accounts under $1 million, see "Minimums" section above.)

Fidelity Transaction Fees

The majority of mutual funds and specific ETFs we use are traded free of charge. Fidelity assesses a transaction fee for the purchase and sale of stocks and certain Exchange Traded Funds (ETF). Halpern Financial, Inc. does not participate in this fee in any way.


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



 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 wirehouse 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 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. 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 for the purchase and sale of certain 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 via a private client login 24 hours a day. 

Q: How do you work with other professionals, like my CPA and attorney?
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.

Our Services


When you think of wealth management, investments come to mind —but that is just part of what we do for our clients.

Look at a Sample Client Service Calendar

Halpern Financial provides advice on a variety of financial issues throughout the phases of wealth accumulation, wealth distribution and wealth preservation. 

Retirement Planning

  • Retirement readiness assessment
  • Sustainable, tax-efficient withdrawal strategies
  • Qualified and non-qualified retirement plans
  • Monitoring of Required Minimum Distributions

Investment Planning

  • Custom portfolio design and implementation 
  • Coordination of pre-tax and after-tax accounts
  • Ability to hold securities from any provider
  • Open architecture and institutional access

Cash Flow Planning

  • Spending plan
  • Cash reserve strategies 
  • Coordinate spending and cash reserves to improve net worth
  • Advice on using debt wisely to improve net worth
  • Help with buy vs. lease dilemmas

College Planning

  • Identify goals and resources
  • Assessment of college funding readiness
  • Tax-efficient funding and distribution plan
  • Coordinate college funding goals with other financial goals
  • Free ebook Find Your Financial Safety School

Tax Efficiency

  • Tax-efficient portfolio design 
  • Balancing retirement income
  • Coordination with tax professionals 

Estate Planning

  • Estate planning fundamentals 
  • Coordination with estate planning attorney 
  • Multi-generational wealth transfer

Charitable Planning

  • Advice on donor-advised funds and private foundations
  • Custom philanthropic strategies
  • Legacy giving 

Risk Management

  • Review and analysis of insurance needs
  • Identify potential business or personal liabilities 
  • Ensure funds are available to meet needs

Recognition

Halpern Financial has earned a reputation for excellence in our industry and we have been repeatedly recognized among the nation’s top wealth advisors by various national publications. We regularly contribute our investment and financial planning expertise to publications including the Wall Street Journal, the New York Times, and Bloomberg.

           

           

We are proud members of the National Association of Personal Financial Advisors, Financial Planning Association, International Association of Registered Financial Consultants, and we have multiple Certified Financial PlannerTM professionals on staff.

       

Learn what all of these qualifications mean for you as a client.



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Our Team

We’re a small business with big-firm capacity. 




The team at Halpern Financial is unusual, and that's a good thing. Our portfolio manager focuses on the portfolio. Our financial planners focus on planning. Our advisors focus on advising clients. Our writer focuses on making our recommendations easy to understand, and our client service staff provides white-glove service every step of the way. It sounds obvious, but it’s not how many of our competitors are structured. We’re a team of experts, not generalists—and our clients like it that way.

Get to know us

Ted S. Halpern Photo

Ted S. Halpern

President
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Ted S. Halpern Photo

Ted S. Halpern

As Founder and President of Halpern Financial Inc., Ted is directly involved in developing and implementing wealth management strategies for affluent families and closely held businesses. He serves as Director of the firm's Investment Research Team and oversees the asset allocation process. Ted believes in educating our clients toward a logical path of wealth accumulation. Since establishing Halpern Financial in 1991 he has drawn his inspiration from motivating clients to achieve their financial goals.

Ted holds a degree in Finance from the University of Maryland. He is an SEC Registered Investment Advisor, a NAPFA-Registered Financial Advisor, an Accredited Asset Management Specialist (AAMS), a Chartered Retirement Planning Counselor (CRPC), an Accredited Wealth Management Advisor (AWMA) and a Registered Financial Consultant (RFC). He is a member of the Financial Planning Association, the International Association of Registered Financial Consultants and the National Association of Personal Financial Advisors (NAPFA).

Ted is a dedicated husband and father. He and his wife Bethe live in Leesburg with their twins Jack and Lauren and their dog Einstein.

Media Mentions:

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Melissa G. Sotudeh, CFP®

Wealth Advisor
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Melissa G. Sotudeh, CFP®

As Wealth Advisor for Halpern Financial, Inc., Melissa works one on one with clients to determine short and long term goals, and applies her knowledge and expertise to develop retirement, investment, tax management and estate planning strategies. 

Melissa has a special passion for college planning since her two children went through the college search process, and now presents her “Late Stage College Funding” talk to D.C.-area parents several times a year in conjunction with a college admissions counselor. She has written several articles about college funding based on her own family’s experiences and her experience as a wealth advisor, and is the author of Find Your Financial Safety School, a choose-your-own-adventure ebook.

Melissa received her Bachelor of Arts in Economics from the University of Texas in Austin in 1987, and her Master of Business Administration from the Thunderbird School of Global Management in Phoenix, Arizona in 1990. 

Melissa has over twenty years of experience in a variety of business and community service activities.  She began her career at the World Bank in Washington, D.C. and then went on to serve as a Management Analyst and International Market Development Specialist in the Office of the Executive Director at The US Securities and Exchange Commission for five years.   

In 2010, Melissa completed the Certified Financial Planner (CFP®) designation from the CFP Board of Standards. The CFP® designation is a mark of distinction for the individuals who have met the education, examination, experience and ethics standards established by the Certified Financial Planners Board of Standards (CFP Board). Additionally, Melissa is an Investment Advisor Representative with Halpern Financial, Inc.

Melissa serves on the Exam Committee for the Certified Financial Planner Board of Standards (CFP Board), contributing to the development of examination questions for the CFP® Certification Examination. She has promoted financial literacy in the region through one-on-one counseling with Capitol Hill staffers and her leadership role on the steering committee for the Metro Washington Financial Planning Day 2011 and 2013. She also served on the Board of Directors of the Financial Planning Association of the National Capital Area for four years. Melissa lives in Bethesda with her husband and two children.  She is an avid runner and in 2017, she completed the Boston Marathon.

Media Mentions:

Media Appearances:

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Kirsty Peev, CFP®

Portfolio Manager
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Kirsty Peev, CFP®

As Portfolio Manager for Halpern Financial Inc., Kirsty is primarily responsible for the design and application of investment strategies in client portfolios including the ongoing analysis of securities. She monitors balances, news, cost basis, activity and performance of portfolio holdings. She keeps clients in touch with their investments and how their portfolio responds to market movements.  Kirsty is responsible for a broad array of customized portfolio strategies including the concepts of asset allocation, portfolio optimization, cash flow, tax efficiency and retirement planning. Kirsty is a member of the firms Investment Research Team, and contributes her expertise to the Smarter Investor columnat U.S. News & World Report.

Kirsty joined Halpern Financial, Inc. in 2002, motivated by Ted's vision of the challenges and opportunities of working with an independent advisory firm.

Kirsty is a CERTIFIED FINANCIAL PLANNER™ professional, with a Bachelors Degree with Honors in Education from the University of Edinburgh, Scotland. Kirsty is also a Registered Investment Advisor Representative and is certified as a Financial Paraplanner Qualified Professional™ through the College for Financial Planning.  She lives in Virginia with her husband and sons. 


Media Mentions:

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Jennifer Davis, CFP®, EA Photo

Jennifer Davis, CFP®, EA

Planning Consultant
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Jennifer Davis, CFP®, EA

As a Planning Consultant for Halpern Financial Inc., Jennifer is primarily responsible for retirement projections, research and analysis.  

Motivated by her commitment to giving honest, transparent and sound guidance, Jennifer joined the Planning Team at Halpern Financial, Inc. in 2015. Jennifer values the relationships developed with clients as she helps them meet life’s goals.

She is a CERTIFIED FINANCIAL PLANNER™ professional and holds an Enrolled Agent tax designation. She graduated with a B.S. in Finance and a minor in Philosophy from the University of Maryland, College Park.

Jennifer's interests include being active, reading, and exploring the great outdoors with her family and friends. She volunteers with the Metro Washington Financial Planning Day to provide needed financial information to the community and raise awareness of the importance of financial planning. She also likes to compete in triathlons, which sometimes take her all over the world!

She lives in Maryland with her husband and two cats.  

Media Mentions:

"Are You on Track to Retire?" Kiplinger

"13 Money Mistakes That Are Keeping You in Debt." SELF.

Filing Early for Social Security: When it Makes Sense”, Investopedia


Read all of Jennifer Davis' media mentions!

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Milena Nilsen

Planning Consultant
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Milena Nilsen

As a Planning Consultant for Halpern Financial, Milena provides expert research for Halpern Financial client deliverables. She performs projections for clients’ financial goals, including cash management, college funding and retirement planning. For Milena, the most rewarding aspects of her work are giving quality advice that she uses in her own life and teaching clients about areas of their finances that they never realized could have such a life-changing impact on their goals.

Milena joined Halpern Financial in April 2007 with a degree in Economics from George Mason University. She is certified as a Financial Paraplanner Qualified Professional™, and holds a Certified Income Specialist designation through the Institute of Business and Finance. 

Milena resides in Virginia with her husband Darren and their children.


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Jennifer Wood

Office Manager
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Jennifer Wood

As Office Manager for Halpern Financial Inc., Jennifer is responsible for all aspects of client care and service, including establishing new client accounts, transferring assets and reconciling portfolios in the firm's portfolio management software. She is in frequent contact with clients to ensure that customer care with Halpern Financial, Inc. is of the highest standard. Jennifer ensures that the firm is always up to date with industry standards and frequently monitors new financial technology to optimize the performance of the back office.

Jennifer has been a part of the Halpern Financial team since September 1999, motivated by the opportunities of working for an independent advisory firm. She is certified as a Financial Paraplanner Qualified Professional™ through the College for Financial Planning and if ever in need, Jennifer is a Notary Public. 

A native of the Washington Metropolitan area, Jennifer resides in Rockville with her husband and daughter. In her free time, she volunteers with the school PTA board and spends time with family and friends enjoying the culture, diversity and opportunities the area has to offer.


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Lindsie James

Operations Administrator
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Lindsie James

Lindsie James joined Halpern Financial in 2016 as the Operations Administrator.  Lindsie ensures the firm's delivery of exceptional client service by providing critical knowledge and operational support to the team. She has brought with her a wealth of administrative and operations experience from her eight years as a patent prosecution legal assistant. She takes pride in a job well done, from the smallest of tasks to large-scale projects. She earned her B.S. in Business Marketing from Davis & Elkins College, as well as a Paralegal Certification from Boston University. Lindsie is also a Notary Public to facilitate document signatures in our Virginia office.

Born and raised on the Eastern Shore of Maryland, Lindsie now lives in Leesburg, Virginia with her husband and son. She enjoys being outside, staying active, and traveling back to Ocean City, Maryland whenever she has the chance!


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Susan Grimail

Client Administrator
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Susan Grimail

As Client Administrator for Halpern Financial Inc., Susan enjoys being the starting point of contact with our clients. Her responsibilities include a number of administrative duties, as well as coordination of internal communications and email correspondence. She personally greets all visitors to our office and is an integral part of maintaining the total client experience at Halpern Financial, Inc. 

Susan resides in Maryland with her husband Michael and son Ryan.


 
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Kathy Schmitt

Business Development Associate
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Kathy Schmitt

As a Business Development Associate for Halpern Financial Inc., Kathy serves to define our offerings to firms and introduce inorganic growth via successions, mergers, and acquisitions.  She will assist with value optimization and strategic initiatives as we grow our potential, considering: cultural fit, quantitative and qualitative factors, market and industry trends, our unwavering reputation and commitment to excellence, and fee-only business model. Kathy will also act as a business management consultant of people, processes, structure, and business metrics, and perform due diligence throughout the M&A activities.

Kathy joined Halpern Financial in 2018, motivated by the vision of new opportunities for growth, in a passionate, collaborative, genuinely dedicated, and client-centric environment.  She enjoys the small knit team of professionals who share her desire to promote mutual respect and integrity; and embraces the firm’s mission of guiding clients toward financial security and peace of mind, through complete transparency and honesty. 

Kathy received her MBA (Masters of Business Administration) in Finance from George Washington University in Washington, D.C. and a Bachelor of Science in Finance from the University of Richmond (E. Claiborne Robins School of Business), in Richmond, Virginia.

Kathy has 20 years of financial management, management consulting, business development and business operations experience with Booz Allen & Hamilton, Inc, where she was a Senior Associate.  She won a Professional Excellence Award for excellence in client delivery; was a role model for collegiality, and was a collaborative force in driving positive change, building lasting value and relationships, and providing an enduring impact via creative problem-solving. Kathy is a recognized leader using empowerment and engagement opportunities for others to optimize team capabilities and success.

Prior to joining Halpern Financial, Kathy had a unique opportunity to work for the Children’s Science Center (non-profit), providing financial management and business consulting as part of a start-up operation to build a hands-on science "Lab" in Fair Oaks Mall.  She currently serves as a volunteer development associate; and advisor to their Youth Advisory Board, mentoring local high school students.

Kathy is an active community and school volunteer and enjoys spending time with her family and friends, traveling, skiing, and taking in cultural activities nearby. Kathy lives in Oak Hill, Virginia with her husband, two teenage sons, and adoring golden retriever.

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Carla LaFleur

Communications and Public Relations Coordinator
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Carla LaFleur

Carla LaFleur joined Halpern Financial in 2015 as the Communications and PR Coordinator. She is passionate about helping people understand financial topics, whether she’s composing client documents with “an audience of one,” or writing educational articles for the public.

Carla holds a B.A. in English and a minor in Spanish from the University of Maryland, College Park. She is fluent in Spanish, and her background as an editor of investment newsletters and freelance writer has given her the skills to translate complex ideas into language that is easily understood. In 2017, Carla became certified as a Financial Paraplanner Qualified Professional™ through the College for Financial Planning to improve her ability to provide financial education for Halpern Financial clients.

A lifelong equestrian, Carla spends her free time riding the trails of rural Montgomery County and volunteering with Pony Club. She lives in Gaithersburg with her husband, two cats and a dog.

Media Mentions:

"The Fatal Flaw in Many Client Communication Strategies." Financial Advisor IQ.

Making Connections: How to Create and Cultivate Your Personal Network.” Goodcall.

"Books & Blogs" column. NAPFA Advisor Magazine, May 2016 & July 2016.

"How I Tricked an Advisory Firm Into Hiring a Writer." FinCon Connection Magazine, 2015.


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Nisha Patel

Client Service Manager
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With over 15 years of experience in the financial advisory industry, Nisha Patel brings a wealth of knowledge to the Halpern Financial team. She will be part of the planning and portfolio management team, helping to onboard clients and manage retirement plans. She is adept at providing software support and developing new processes through ongoing work, defect resolution, and enhancement solutions. Both the Halpern Financial team and our clients benefit from Nisha’s breadth of experience and knowledge of best practices.

Nisha holds a Bachelors of Arts degree in Management and Business from Barat College of DePaul University in Illinois. She resides with her family in Loudoun County, Virginia, and in her spare time she enjoys making jewelry, as well as spiritual meditation and yoga.


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RIA Solutions

Build a bridge to your clients' future (and your own!)

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RIA Transition Solutions

In addition to wealth management for individuals, Halpern Financial provides business transition solutions for RIA firms. RIAs often share some of the same challenges as their clients: 

  1. How do I continue to grow in an increasingly difficult market environment?
  2. What is the best way to maximize the value of the asset I have worked hard to build—my business?
  3. How should I prepare for a transition to retirement or other ventures?

Halpern Financial has developed a platform to help RIAs meet these challenges. We offer the capacity to scale, tuck-in, or transition your business in a way that no roll-up firm can, without compromising the fee-only, independent structure you have worked hard to establish.

We work exclusively with small- to mid-size advisory firms that uphold a strict fiduciary standard. Our typical clients want  to protect what they have built and/or monetize the value they have built in their business, including succession planning, increasing growth capacity, and providing security for their heirs. 


Cost Savings and Efficiencies

  • Proprietary programs to expedite business operations 
  • In-house compliance
  • Dedicated team with the capacity to meet your growth needs
  • In-house marketing and PR support

Technology & Enhanced Client Offering

  • Goal-based and cash-flow-based financial planning software
  • Client relationship management software with automated workflows
  • Cloud-based work portal
  • Open-architecture investment platform
  • Institutional access
  • "Audience of one"

Transition Services

  • Succession planning for advisors approaching retirement
  • Growth capacity for advisors struggling amid high costs and increased regulations
  • Ability to continue working in retirement via "of counsel" relationship

Case Study: A "What-If?" Plan 

Successful wealth advisors are often asked, "What if something happens to you? What would happen to my portfolio?" As a fiduciary you should have an answer to these questions. You have a life insurance policy for your family should you pass away. But what about a "what-if" plan for your business? 

Your business is an asset with value, but it's not a liquid asset. If something were to happen to you, what is your plan to monetize the value of your business?

Does this sound like you? Contact Us

Case Study: Nearing Retirement

You're an advisor who has worked hard to build a fee-only, independent wealth management practice, but you’re ready to scale back as you approach retirement. You have differentiated yourself from the brokers and wirehouses that come with high costs and conflicted advice—and your clients appreciate this value.

Roll-up firms are available as a potential home for your clients when you retire, but they come with drawbacks. Wouldn't you rather have a relationship that:

  • maintains the personal touch your clients have come to value. 
  • is not contingent on production requirements just as you’re reaching a point in your career where you want to work less. 
  • does not sacrifice your entrepreneurial spirit.

Does this sound like you? Contact Us

Case Study: Growth is Expensive

Small- to mid-size advisory firms face a catch-22. You can’t afford not to grow, but you can’t afford to grow with the cost of compliance, technology, and hiring the right team. You want to transform your practice into a true business with longevity… but there’s a huge barrier to entry.

There are firms available that offer a "back office" for firms like yours, but you are an independent RIA for a reason. You don't want a brokerage-like entity introducing inefficiencies. What you need is a technology, compliance and marketing solution that can provide a platform for your growth--but where do you invest first?

You don't need to choose with tuck-in solutions from Halpern Financial.

Does this sound like you? Contact us

Case Study: Finding a Better Fit

If you're part of an entity that is no longer a good fit, this solution is for you. When a wealth advisor is part of an outside entity, or has an existing business partner, their revenue channel often subsidizes the other parts of the business. What is the incentive to grow in this scenario? 

Your activity creates a pipeline of clients for the entity, but perhaps there is little investment in return. You would need to drastically re-engineer your current situation to become truly independent, but it’s difficult when your revenues are absorbed into other parts of the business.

Does this sound like you? Contact Us

Building a Bridge

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Contact Us

Phone

240-268-1000

Toll Free Number

877-268-1200

Email

info@halpernfinancial.com

Fax

(240) 449-8818

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Virginia Office:

20365 Exchange Street,
Suite 200
Ashburn, VA 20147

Maryland Office:

11 North Washington Street, Suite 720
Rockville, MD 20850

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