Michael Halper

CFP®, CRPC, SE-AWMA, CBDA, CDAA

Strateon Intelligent WealthSimi Valley, CA 93065

Languages: English

My Approach

Financial planning isn't one-size-fits-all. I specialize in helping individuals and families navigate the complex financial crossroads of life, focusing heavily on these unique groups and the major moments that define their journeys.

The Clients I Serve

GenX

Balance helping your children and aging parents with your own retirement needs. Set clear limits on what you can sustainably provide.

Millennials & GenZ

Build the habit of saving and investing early, even in small amounts, and increase contributions as your income grows.

Pre-Retiree

Before retiring, test your expected budget and build a plan for how savings, Social Security, taxes, and healthcare will fit together.

Major Milestones I Specialize In

Early Retirement or Financial Independence

Plan beyond your savings target: account for taxes, healthcare, inflation, and a longer retirement so your financial independence can last.

Retirement Planning

Build your retirement plan around the life you want, then align your savings, investments, and income with what that life will cost.

Our 7 Steps to Financial Planning

Certified Financial Planners have a proven blueprint for success—but your planner builds it entirely around you.

Summarized from the CFP® Board's Practice Standards. cfp.net

My Process

At Strateon Intelligent Wealth, I help individuals and families turn complex financial questions into a clear, actionable plan that supports the life they want to live. As an advice-only CERTIFIED FINANCIAL PLANNER™ (CFP®), I provide comprehensive financial planning for a transparent, agreed-upon fee. I do not sell financial products, receive commissions, or charge a percentage of your investments. You retain control of your assets, with the flexibility to implement recommendations at the financial institutions you choose. My role is to provide objective advice, explain your options, and help you make informed decisions as a fiduciary committed to your best interests. Work begins with understanding you: your priorities, concerns, family circumstances, and what financial independence means to you. We then examine how the pieces of your financial life fit together, including cash flow, investments, retirement, taxes, insurance, estate planning, and major financial decisions. I also help clients navigate more specialized considerations, such as equity compensation and Bitcoin and other digital assets. My approach is analytical, educational, and collaborative. We explore different scenarios, discuss trade-offs, and develop practical recommendations tailored to your circumstances. My investment philosophy emphasizes diversification, low costs, tax efficiency, and aligning your portfolio with your goals and capacity for risk. You can expect to work directly with me, receive clear explanations, and leave with prioritized action steps. I help you work through implementation and coordinate with your tax and legal professionals when appropriate. Whether you need a comprehensive plan, ongoing guidance, or focused hourly advice, my goal is to help you understand your choices and move forward with greater clarity and confidence.

Disclosures

This material is provided for informational purposes only and does not constitute investment, tax, or legal advice. It is not a recommendation or solicitation to buy or sell any security, insurance product, or investment strategy. Past performance does not guarantee future results. All investing involves risk, including the possible loss of principal. Tax and legal matters are outside the scope of this engagement; consult your attorney, accountant, and other qualified professionals before making financial decisions. Additional information about this financial professional, including registration status and disciplinary history, is available through FINRA BrokerCheck and the SEC Investment Adviser Public Disclosure website.