Team

Lawrence Elie Borger, J.D. has been active in the personal financial planning sector since 2003. Elie, Principal of Borger Financial Services, is an Investment Advisor Representative of HTK, providing comprehensive financial planning to business owners, professionals and corporate executives. Advisory services include Wealth Management, Retirement, Planning, Life & Disability Insurance, Risk Management, and Business Owner Succession Planning.

In relation to insurance, Elie specializes in estate planning through the design of personalized survivorship policies, to help ensure the preservation of legacy assets including closely held businesses and real estate portfolios.

Graduating with honors from Yeshiva University in 1997, Elie completed his Certificate of Study at the Wharton School of Business in 1999 and his law degree (Juris Doctor) from the University of Pennsylvania School of Law in 2000. Elie spent his early professional years practicing corporate law at the NY law firm, Dewey Ballantine, in the mergers and acquisitions and capital markets departments, where he advised Fortune 500 companies ranging from Disney to General Electric. 

Elie lives in Teaneck, NJ with his wife and four children. When he isn't meeting with clients or spending time with family, he can be found  in a pair of waders, flyfishing.

Michael is a Certified Financial Planner® and has been in the financial services industry for more than six years.  Prior to joining Borger Financial in 2016, Michael served as Senior Financial Planner at Ernst & Young LLP where he guided executives & employees of Fortune 500 companies.

Michael earned his Bachelor of Science degree from Ner Israel Rabbinical College and his MBA from Loyola University in Maryland.  He furthered his education at Boston University and earned the designation of Certified Financial Planner.  In addition to the CFP® designation, Michael holds FINRA securities licenses 7, 63 & 65.

A Queens native, Michael currently lives in Edison, NJ with his wife and three children.

Debra Clark, CFP®, Registered Representative of HTK, LLC., is an affiliate of Borger Financial. 

Debra Clark, CFP®, was born in Montpelier, VT and is a 1998 graduate of Norwich University. She is a Registered Representative and Investment Adviser Representative of HTK with over 20 years of experience in the industry. Debra is a CERTIFIED FINANCIAL PLANNER™, and holds FINRA Series 7, 63 and 65 registrations. Debra specializes in managing portfolios for high net worth individuals, sole proprietors and small businesses. 

Debra’s field of expertise encompasses a wide range of financial planning and portfolio management strategies, including: 

1. Implementing investment strategies to help reduce estate and income tax liabilities
2. Charitable gifting strategies
3. Retirement income planning
4. Analyzing investment portfolios for suitability based upon modern portfolio theory
5. Analysis and implementation of alternative 401(k) platforms for business owners

Debra currently lives in Wilton, CT., and has three sons.