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Financial Advisor
Texas
Frisco
VETTED

Theo Halbardier

CAIA®, CIMA®, CFP®
The Financial Sciences Company
Theo Halbardier
Tel: 214-436-7440 By appointment only Frisco, TX 75036
Wealth Management, Backed by Science
About Theo Halbardier
Theo Halbardier, CFP®, CIMA®, CAIA®, is the founder of The Financial Sciences Company, a fee-only fiduciary firm. He works with people whose finances have outgrown a simple plan: maximizing retirement income, coordinating taxes, navigating equity compensation, and selling a business.

Before founding the firm, Theo spent his career on the institutional side of investing, where he helped raise over $500 million in capital for private investment vehicles and consulted on portfolio construction and investment strategy across more than $10 billion in client portfolios. That background is the foundation of how he invests today: bringing the discipline, diligence, and portfolio construction of large institutions to individual investors and retirees, so his clients can invest the way the big players do.
About The Financial Sciences Company
The Financial Sciences Company is a fee-only fiduciary wealth management firm built on a simple conviction: individual investors and retirees deserve the same rigor, discipline, and access the largest institutions enjoy.

We serve people whose finances have outgrown a simple plan: retirees and near-retirees maximizing their income, executives navigating equity compensation, business owners approaching a sale, and families who want their wealth managed as one coordinated system. Our work covers the four disciplines every household needs managed: cash flow and retirement income, risk, estate, and tax.

Our investment approach is what sets us apart. We invest across the whole market, public and private: stocks and bonds, but also private real estate, private credit, and other alternative investments most portfolios never reach. Every allocation is vetted with institutional-grade diligence on sponsors, structures, terms, and liquidity, the same discipline our founder practiced through years in institutional markets, where he helped raise over $500 million in capital and consulted on portfolios totaling more than $10 billion.

We are fee-only: no commissions, no products, no hidden or layered fees. Our only compensation is a simple advisory fee based on the assets we manage, which keeps our interests aligned with yours. In other words, we do better when you do better.

Science is in our name because it is how we work: evidence over narrative, written plans over guesswork, and portfolios stress-tested before they are trusted.
See Disclosures
General Information
Name of Custodial Firm:

Charles Schwab

Communities served:

Dallas, Fort Worth, Plano, Frisco, McKinney, Allen, Prosper, Celina, Southlake, Colleyville, Westlake, Trophy Club, Keller, Grapevine, Flower Mound, Coppell, Irving, Arlington, Richardson, Rockwall, Highland Park, University Park, Houston, The Woodlands, Sugar Land, Katy, Cypress, Kingwood, Pearland, Friendswood, Bellaire, Richmond, Galveston, Austin, Round Rock, Georgetown, Cedar Park, Lakeway, Bee Cave, West Lake Hills, Dripping Springs, San Antonio, Alamo Heights, Boerne, New Braunfels, Fair Oaks Ranch, Horseshoe Bay, Fredericksburg, Tyler, Waco, College Station, Corpus Christi, Lubbock, Amarillo, Midland, El Paso, The Villages, Naples, Marco Island, Bonita Springs, Estero, Fort Myers, Cape Coral, Sanibel, Punta Gorda, Venice, Sarasota, Lakewood Ranch, Bradenton, St. Petersburg, Clearwater, Tampa, Ocala, Winter Garden, Winter Park, Orlando, Vero Beach, Stuart, Jupiter, Palm Beach Gardens, Palm Beach, West Palm Beach, Delray Beach, Boca Raton, Fort Lauderdale, Weston, Miami, Coral Gables, Key Biscayne, Key West, Ponte Vedra Beach, Jacksonville, Amelia Island, St. Augustine, Destin, Los Angeles, Beverly Hills, Santa Monica, Pacific Palisades, Manhattan Beach, Pasadena, Irvine, Newport Beach, Laguna Beach, San Diego, La Jolla, Del Mar, Rancho Santa Fe, Carlsbad, Coronado, Palm Springs, Palm Desert, Indian Wells, Rancho Mirage, Santa Barbara, Montecito, Carmel, Pebble Beach, San Jose, Saratoga, Los Gatos, Los Altos, Palo Alto, Menlo Park, Atherton, San Francisco, Mill Valley, Tiburon, Napa, Walnut Creek, Lafayette, Danville, Sacramento, Scottsdale, Paradise Valley, Phoenix, Carefree, Sun City, Sun City West, Sedona, Prescott, Tucson, Oro Valley, Las Vegas, Henderson, Reno, Incline Village, Santa Fe, Albuquerque, Taos, Denver, Cherry Hills Village, Castle Rock, Colorado Springs, Boulder, Vail, Aspen, Salt Lake City, Park City, St. George, Boise, Eagle, Coeur d'Alene, Sun Valley, Bozeman, Whitefish, Missoula, Big Sky, Jackson, Cheyenne, Seattle, Bellevue, Mercer Island, Kirkland, Gig Harbor, Portland, Lake Oswego, Bend, Anchorage, Honolulu, Kailua, Wailea, Oklahoma City, Edmond, Nichols Hills, Tulsa, Bentonville, Rogers, Fayetteville, Little Rock, Hot Springs Village, New Orleans, Metairie, Mandeville, Baton Rouge, Madison, Ridgeland, Oxford, Mountain Brook, Birmingham, Huntsville, Fairhope, Gulf Shores, Atlanta, Sandy Springs, Alpharetta, Johns Creek, Savannah, St. Simons Island, Sea Island, Charleston, Mount Pleasant, Kiawah Island, Hilton Head Island, Bluffton, Myrtle Beach, Greenville, Charlotte, Davidson, Raleigh, Cary, Chapel Hill, Wilmington, Asheville, Pinehurst, Nashville, Franklin, Brentwood, Knoxville, Chattanooga, Memphis, Germantown, Louisville, Lexington, Prospect, McLean, Great Falls, Alexandria, Reston, Charlottesville, Virginia Beach, Williamsburg, Morgantown, Bethesda, Chevy Chase, Potomac, Annapolis, Baltimore, Easton, Rehoboth Beach, Lewes, Washington, Philadelphia, Wayne, Villanova, Bryn Mawr, Newtown Square, Doylestown, Pittsburgh, Sewickley, Princeton, Short Hills, Summit, Ridgewood, Morristown, Basking Ridge, Westfield, Rumson, New York, Scarsdale, Rye, Bronxville, Chappaqua, Garden City, Manhasset, Huntington, East Hampton, Southampton, Rochester, Greenwich, Darien, New Canaan, Westport, Fairfield, Ridgefield, West Hartford, Providence, Newport, Boston, Wellesley, Newton, Concord, Hingham, Cohasset, Osterville, Nantucket, Edgartown, Portsmouth, Wolfeboro, Hanover, Burlington, Stowe, Cape Elizabeth, Kennebunkport, Bar Harbor, Columbus, Dublin, New Albany, Cincinnati, Indian Hill, Cleveland, Shaker Heights, Pepper Pike, Ann Arbor, Bloomfield Hills, Grosse Pointe, Grand Rapids, Traverse City, Petoskey, Harbor Springs, Indianapolis, Zionsville, Chicago, Winnetka, Kenilworth, Glencoe, Lake Forest, Barrington, Hinsdale, Naperville, Oak Brook, Milwaukee, Mequon, Brookfield, Lake Geneva, Minneapolis, Edina, Wayzata, Minnetonka, Des Moines, West Des Moines, St. Louis, Ladue, Clayton, Kansas City, Branson, Leawood, Overland Park, Mission Hills, Wichita, Omaha, Lincoln, Sioux Falls, Rapid City, Fargo, Bismarck, TX, FL, CA, AZ, NV, NM, CO, UT, ID, MT, WY, WA, OR, AK, HI, OK, AR, LA, MS, AL, GA, SC, NC, TN, KY, VA, WV, MD, DE, DC, PA, NJ, NY, CT, RI, MA, NH, VT, ME, OH, MI, IN, IL, WI, MN, IA, MO, KS, NE, SD, ND

Work Experience:

The Financial Sciences Company - Founder & Private Wealth Advisor (2024-present) Theo founded The Financial Sciences Company to deliver what individual investors and retirees deserve but rarely get: institutional-caliber planning and portfolio construction from a fee-only fiduciary with no products to sell. The firm builds retirement income plans, coordinates tax strategy, and engineers portfolios that reach past stocks and bonds into real estate, private credit, and other alternatives, with the same diligence discipline he spent his career applying on the institutional side.

Sealy Investment Securities - Senior Regional Vice President (2025) Theo served as a senior consultant to financial advisors, RIAs, and broker-dealers across a large multi-state territory on private real estate investing, with deep specialization in industrial real estate: the warehouses, logistics, and distribution facilities that power the modern economy. He helped advisory firms evaluate how these investments actually behave inside a portfolio: the income, the risks, the tax treatment, and the exit.

Ashford Securities - Assistant Vice President, Capital Markets (2022-2024) Theo raised capital for institutional-quality private real estate, with a specialty in luxury hospitality, including portfolios of Ritz-Carlton and Four Seasons branded resorts and hotels. Covering advisors across the western and south-central U.S., he worked across a wide range of investment structures: non-traded REITs, interval funds, preferred equity, private placements, and 1031/DST exchange vehicles. He spent his days on the discipline that matters most in private markets: diligence on sponsors, structures, terms, and liquidity. Knowing what to avoid, and why, is as valuable to his clients today as knowing what to recommend.

Beneficient - Regional Sales Associate, Originations (2020-2022) Theo worked at the intersection of private markets and institutional finance, specializing in secondaries: providing liquidity to holders of private equity funds, hedge funds, venture capital, and other alternative investments. It was a rare vantage point on how the most sophisticated corners of the market actually work: how institutions and pensions price illiquid assets, how hedge fund and private equity interests are acquired at a discount, and how portfolios of private companies, funds, and pre-IPO positions are valued and structured. Very few advisors have first-hand fluency in that world, and it directly shapes how he evaluates every private investment he considers for clients today.

Merrill - Financial Advisor, then AVP, Corporate Financial Solutions (2018-2020) Theo began his career at Merrill, one of the largest wealth management firms in the country: first as a Financial Advisor delivering full-scope financial planning, retirement strategy, and investment management, then promoted into a corporate financial solutions role serving companies and their executives, including equity compensation and workplace benefit programs. He learned how the biggest institutions deliver advice at scale, and he saw exactly where a big firm's interests and a client's quietly diverge. That is why he built something independent and fee-only: the discipline of the big firms, without the conflicts.

Work with the following types of clients:

Non-Profit Organizations, Individual Investors, Businesses, Investment Clubs

Foreign Languages Serviced:

English, Spanish

Advisory Services Provided:

Risk Management, 401K Rollovers, Retirement Planning, Portfolio Management, Financial Planning, Insurance Products & Annuities, Estate Planning & Trusts, Investment Advice & Management, Financial Advice & Consulting, Education Funding and Planning, Financial Planning for Individuals, Financial Planning for Businesses, Tax Advice and Services, Legal Advice and Services, Money Management, Wealth Management

Services
Investment Types:

Stocks, Bonds, Options & Futures, FOREX & Currency, Mutual Funds, Mortgages & Real Estate, Alternative Investments, Exchange Traded Funds (ETFs), Commodities, Socially Responsible Investments (SRI)

I provide a free initial consultation:

Yes

Preferred meeting methods
Can meet clients in the following ways:

Your Home, Phone, Your Office, Email, Video Conference

Compensation and Fees
Fee Structure:

Fee-Only

Minimum Portfolio Size for New Managed Accounts:

$0

Compensation Methods:

Based on Assets

Fee % Based on Assets:

0.25-1%

Additional Details on Charges:

We are a fee-only firm: our only compensation is a simple advisory fee based on the assets we manage for you. No commissions, no product sales, no hidden or layered fees. This structure keeps our interests aligned with yours. In other words, we do better when you do better.

Education
Bachelor of Science - Industrial Distribution (College of Engineering):
Texas A&M University - College Station, TX
09/01/2013 - 12/01/2016
Financial Planning for Businesses
For business owners, personal and business finances are one balance sheet. Planning one without the other misses half the picture. Theo helps owners with the questions that compound over the years: retirement plan design and selection for the company, tax-efficient owner compensation alongside the firm's CPA partners, quantifying the concentration risk of having most of your wealth inside the business, and, for owners thinking about an exit, the multi-year planning that turns a sale into a funded retirement rather than a tax event.
Financial Planning for Individuals
As a CERTIFIED FINANCIAL PLANNER" professional, Theo builds comprehensive financial plans covering the full landscape the CFP® certification is built on: cash flow and budgeting, retirement planning, investments, tax strategy, insurance and risk, education funding, and estate planning. Every plan is written, modeled, and stress-tested against good and bad markets, then updated as life changes, because a plan that is not maintained is just a binder on a shelf. Tax planning runs through the firm's CPA partners so the plan and the return tell the same story.
Financial Advice & Consulting
Sometimes you do not need a full-time advisor. You need clear, conflict-free advice on one big decision: a pension election, an equity compensation event, a business sale, an inheritance, or a second opinion on your portfolio. As a CERTIFIED FINANCIAL PLANNER" professional, Theo takes those on as focused engagements: rigorous analysis of one decision, documented so you can act on it. And for families who want a coordinating advisor for everything, ongoing, that is the core of his practice. Either way, the structure is fee-only and fiduciary: you pay for judgment, not products.
Portfolio Management
A portfolio has two jobs: grow your wealth, and then turn that wealth into reliable income when you need it. Theo builds portfolios that do both, engineered for growth through your working years and for income in retirement, with a written investment policy for every account, documented before the first dollar moves. As a CIMA® (Certified Investment Management Analyst®), he brings institutional portfolio-construction discipline to individual accounts: deliberate asset allocation, cost control, tax location (which investments belong in taxable versus retirement accounts), and rules-based rebalancing. His portfolios also reach further than most. Where appropriate for qualified investors, allocations can go beyond stocks and bonds into real estate, private credit, and other alternative investments, vetted with the same sponsor and structure diligence he practiced through years in private markets.
Retirement Planning
Retirement planning answers the questions that actually decide your outcome: How much do I need to retire well? How do I grow what I have into that number? And once I am there, which account do I draw from first, when do I claim Social Security, and what will taxes and healthcare cost me? Theo builds written retirement plans that cover both halves: the growth strategy that gets you to retirement, and the income strategy that carries you through it, including withdrawal order across taxable, tax-deferred, and Roth accounts, Social Security timing, and the multi-year tax planning, with the firm's CPA partners, that protects it all. Every plan is modeled across good and bad markets, stress-tested before it is trusted.
401K Rollovers
Deciding what to do with a 401(k) after leaving an employer is a bigger decision than most people are told. As a fee-only fiduciary, Theo evaluates all the options (leave it, roll it to an IRA, move it to a new employer's plan, or a combination) and documents which is genuinely in your interest: costs, investment menus, creditor protection, and tax opportunities like net unrealized appreciation, a way to move employer stock out of a 401(k) at favorable tax rates. When a rollover is the right answer, he handles the process end to end. When it is not, he will tell you that too.
Estate Planning & Trusts
Estate planning is how you make sure what you have built actually reaches the people and causes you love, with as little tax, delay, and conflict as possible. Theo works alongside your estate attorney, or helps you engage one, on the full strategy: minimizing estate and inheritance taxes, trust and gifting structures, charitable planning, and business succession. Then he owns the layer where estates most often fail, the details: beneficiary designations aligned with the documents, accounts titled so they do not skip the trust, trusts actually funded, step-up planning (positioning assets so heirs inherit at current market value), and inherited IRA rules. Your attorney drafts the documents; Theo coordinates the plan around them, so when the plan is finally needed, it works the way it was supposed to.
Tax Advice and Services
Tax planning is where wealth quietly compounds, or quietly leaks, usually years before the return is filed. Theo plans across years: Roth conversion strategy, withdrawal sequencing across account types, capital gains management, charitable strategies like donor-advised funds and qualified charitable distributions, and equity compensation timing. Because of his background in alternative investments, he works with tax-advantaged strategies most advisors never touch: 1031 exchanges and Delaware Statutory Trusts (DSTs) for real estate investors, Qualified Opportunity Zone funds, master limited partnerships (MLPs), and conservation easements. These are powerful tools that demand serious diligence, which is exactly why experience with them matters. Execution runs through the firm's CPA partners, who handle preparation and filing, so the plan and the return tell the same story.
Education Funding and Planning
Education is one of the best gifts a family can give, and one of the most tax-advantaged when it is funded well. For parents and grandparents, Theo builds education funding strategies using 529 plans, superfunding (front-loading five years of gifts at once), and custodial accounts, including the details that change outcomes, like whose name owns the 529, which affects both financial aid treatment and your estate.
Investment Advice & Management
Theo invests across the whole market, public and private. Stocks and bonds, yes, but also private real estate, private credit, real assets, and other alternative investments that most portfolios never reach. The goal is genuine diversification: a portfolio designed to smooth out the bumps without giving up return potential. That approach comes from his background. Before founding the firm, he spent his career in institutional markets (a large wirehouse, private equity and hedge fund secondaries, and institutional real estate), and he holds the CIMA® and CAIA® designations in investment management and alternative investments. In those markets, diligence on sponsors, structures, terms, and liquidity comes before any dollar moves, and that is how he treats individual portfolios: every allocation has to earn its place. The standard is the same whether he is managing your assets ongoing or giving a one-time second opinion on a portfolio you already hold.
Wealth Management
Wealth management is the full picture: your investments, retirement income, taxes, estate, insurance, and the big financial decisions in between, managed as one coordinated strategy instead of five separate accounts that never talk to each other. As a CERTIFIED FINANCIAL PLANNER" professional, Theo serves as the coordinating advisor: he builds the plan, manages the portfolio, and works alongside the firm's CPA partners and your estate attorney so every piece pulls in the same direction. The pieces do move together: a single decision about selling a business, exercising stock options, or converting retirement accounts touches your taxes, your income, and your estate all at once. Coordination is where that stops being dangerous and starts being an advantage. His clients are typically navigating a transition that raises the stakes: retiring, selling a business, equity compensation, an inheritance. That is exactly when coordination pays for itself.
Risk Management
Most portfolios carry more risk than their owners realize, because they are concentrated in just two asset classes, stocks and bonds. When recessions hit, everything in that kind of portfolio tends to fall together. Risk management at The Financial Sciences Company starts with true diversification. As a CAIA® charterholder (the designation focused on alternative investments), Theo builds portfolios that spread risk across genuinely different asset classes: public markets, private real estate, private credit, and other alternatives. The structure is designed so no single market event drives your whole outcome: a smoother ride built into the portfolio itself, not dependent on predicting markets. Beyond the portfolio, he identifies and quantifies the other risks that threaten a plan: concentration in employer stock, longevity, liability, and gaps in insurance coverage. Because the firm is fee-only and sells no policies, his insurance analysis has no agenda. When coverage is needed, he helps you source it in your interest, not his.
Money Management
Money management is the professional, day-to-day side of investing: your accounts watched, managed, and adjusted continuously, by someone whose full-time job it is, so the discipline happens even when life is busy and markets are loud. Theo manages accounts on a discretionary basis, custodied at Charles Schwab: Schwab holds your assets, he directs the strategy, and that separation protects you. Markets move, allocations drift, and tax opportunities open and close. Professional management means those things get caught and acted on, by rules rather than emotion. You receive clear reporting, so you always know what you own and why. And because the firm is fee-only, the management fee you see is his only compensation: no commissions, no products, no hidden incentives.
8 Years of Experience
CRD# 6975190Firm CRD# 340099Series: 66
Compliance
Registered Investment AdvisorYes
Investment Advisor RepresentativeYes
Acknowledged fiduciaryYes
Compliance Disclosures in Last 5 yearsI have a clean record
Criminal Disclosures in Last 5 yearsI have a clean record
Office Hours
Monday8:00 AM - 6:00 PM
Tuesday8:00 AM - 6:00 PM
Wednesday8:00 AM - 6:00 PM
Thursday8:00 AM - 6:00 PM
Friday8:00 AM - 6:00 PM
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