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Founder and Private Wealth Advisor

Theo Halbardier CFP®, CIMA®, CAIA®

Theo Halbardier, CFP®, CIMA®, CAIA®, is the Founder and Private Wealth Advisor 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, selling a business, and more.

Theo Halbardier, CFP®, CIMA®, CAIA®, Founder and Private Wealth Advisor of The Financial Sciences Company

Origins

Why Theo started The Financial Sciences Company

Theo is an engineer by trade. He earned his engineering degree from Texas A&M University, and the training shaped how he works: a dedication to the details, care in choosing the right approach before solving a problem, and the ability to dive deep into complex issues and work them through to a solution.

He trained as a financial advisor at Merrill, where he got his footing in the business. From there he moved into raising capital, which put him across the table from investors of every size, from individuals investing modest sums to institutional pension investors.

The contrast was hard to miss. The largest investors, the institutions, the family offices, the high-net-worth individuals, invest with a structure, a discipline, and a level of access that most families are never offered. Not because families are less careful with their money. Because the offer rarely reaches them.

Theo founded The Financial Sciences Company in 2024 to change that for the families who work with him, so they can invest the way institutions, family offices, and high-net-worth individuals do. He thinks of good advice as an art and a science. The art is the relationship: knowing a family well enough to know what the money is for. The science is the engineer’s part, planning and portfolio management made as efficient as possible and fitted to each client’s situation. The firm takes its name from the second half.

Credentials

What the letters after Theo’s name do for you

Each designation covers a different part of the job, and each one changes how Theo works with a client.

Financial planning

CFP® certification

As a CFP® professional, Theo has committed to act as a fiduciary when giving financial advice, which means the plan is built around the client’s interests with the whole picture in view: cash flow, taxes, insurance, estate, and retirement.

Investment management

CIMA® certification

Advanced training in portfolio construction and risk management, delivered through executive-education programs. For a client, it means the portfolio is designed as a whole, with the tradeoffs between return, risk, and cost worked out deliberately.

Alternative investments

CAIA® charter

Specialist knowledge of private equity, private credit, real assets, and hedge funds. It means Theo can evaluate the kinds of investments institutions and family offices commonly use on their merits, and say clearly when one belongs in a client’s portfolio and when it does not.

Start with a conversation

The first conversation is 30 minutes, and there is nothing to prepare. Theo will ask where you are and where you want to be, and you will both come away with a clear read on whether the firm is a fit.

Meet with us