Independent investment advisory
Personal investment management. A direct relationship.
Harlig Financials is an independent boutique investment advisory firm. Work directly with founder Mendel Harlig for a portfolio shaped around your goals, ongoing investment oversight, and guidance on your broader financial decisions.
- Personally managed portfoliosConstructed and overseen by Mendel
- JD, MS in Finance, BA in EconomicsPlus five years of corporate finance
- Assets held at Charles SchwabIndependent third party custodian
Your investments should reflect your life.
Clients come to Harlig Financials at different points. Age alone does not determine the right approach. Your goals, financial resources, time horizon, liquidity needs, and tolerance for risk all shape it.
Building wealth
You are growing assets through a career or a business and want a disciplined plan for what you are accumulating.
Preparing for retirement
You are approaching retirement or already drawing on your investments and want them positioned for that shift.
Seeking a second opinion
You have an existing portfolio or a specific decision and want an independent perspective. That does not have to mean changing advisers or investments.
Our approach
Work directly with the person managing your portfolio.
Personal involvement
Mendel personally constructs and oversees client portfolios and serves as your direct adviser. The person you speak with is the person making the investment decisions, so nothing gets lost in a handoff.
An approach shaped around you
Decisions consider your circumstances, the holdings you already own, your objectives, and what the money is for. Your portfolio is built from your situation, not fitted into a template.
Ongoing investment oversight
Holdings and allocations are reviewed over time, with changes considered when your circumstances or investment considerations warrant them. Your portfolio can evolve as your life does.
Services
Investment management first, with support where you need it.
Core service
Investment Management
Portfolio construction and ongoing management informed by your goals, time horizon, risk tolerance, and liquidity needs. Work directly with Mendel for investment decisions and ongoing oversight.
Financial Planning
Guidance on retirement, cash flow, savings, major financial goals, and how individual decisions fit into your broader financial picture.
Financial Consulting & Portfolio Reviews
An independent perspective on existing investments or a specific decision, such as allocation, diversification, or investment costs. Scope, deliverables, and fees are agreed before work begins. Ongoing management is not required.
Insurance Solutions
Assistance evaluating life insurance, disability income insurance, long-term care insurance, and annuities, based on your needs and circumstances.
Insurance is offered separately from advisory services. Insurance products may involve commissions, which creates a conflict of interest. You are under no obligation to purchase insurance through Harlig Financials or Mendel Harlig.
Learn moreHow we work together
- 1
Start with a conversation
Discuss your priorities, circumstances, and the help you are seeking.
- 2
Agree on the engagement
If there is a mutual fit, we define the services, scope, and fees in writing.
- 3
Move forward
We implement the agreed investment approach or complete the defined planning or consulting work. Ongoing oversight depends on the engagement.
Founder and Investment Adviser Representative
Meet Mendel Harlig
Mendel founded Harlig Financials out of a genuine interest in investing and in working directly with people. Before starting the firm, he spent more than five years in corporate finance, including strategic finance and capital planning at publicly traded companies. He holds a JD, an MS in Finance, and a BA in Economics.
Mendel has experience managing portfolios for clients across a range of ages, levels of wealth, investment objectives, and risk tolerances. His approach considers each client's circumstances, from accumulating wealth to preparing for retirement or drawing on investments.
Mendel's law license is inactive. Harlig Financials does not provide legal or tax advice.
More about MendelFrequently asked questions
Who will manage my portfolio?+
Mendel Harlig. He personally constructs and oversees client portfolios and is your direct point of contact.
Who do you work with?+
Individuals and families at different stages, from building wealth to preparing for or living in retirement. Whether we can help depends on your needs and the engagement.
Where will my investment assets be held?+
At Charles Schwab, an independent third party custodian. You receive account statements from Schwab and have direct access to your accounts. Schwab serves solely as custodian and does not endorse Harlig Financials.
Can I work with you without transferring my investments?+
Yes. A planning or consulting engagement lets you keep your existing accounts and advisers, subject to the agreed scope. Ongoing investment management involves accounts held at Schwab.
What can a consulting engagement cover?+
Examples include reviewing portfolio allocation, diversification, or investment costs. Scope, deliverables, and fees are agreed before work begins. A consulting engagement is a defined project and does not include ongoing monitoring unless separately agreed.
How do planning and insurance fit into the relationship?+
Planning can stand alone or accompany investment management. Insurance is offered separately from advisory services: you do not need to be an advisory client to receive insurance help, and advisory clients are not required to buy insurance through us. Insurance products may involve commissions, which creates a conflict of interest.
What happens during the introductory conversation?+
We talk about your priorities, your circumstances, and the kind of help you are looking for, and decide together whether there is a fit. It is not a portfolio review and does not include personalized recommendations; that work happens only within an agreed engagement.
Let's discuss what you need from your investments.
Whether you're looking for ongoing portfolio management or guidance on a specific financial decision, start with a conversation about your priorities and how Harlig Financials may be able to help.
Schedule a ConversationOr email MHarlig@HarligFinancials.com