Aliya Financial LLC • Registered Investment Adviser
Effective Date: July 3, 2026
Aliya Financial LLC (“Aliya Financial,” “we,” “our,” or “us”) is registered with the State of New Jersey as an investment adviser. Investment advisory services and fees differ from brokerage services and fees, and it is important for you to understand those differences. Free and simple tools are available to research firms and financial professionals at Investor.gov/CRS, which also provides educational materials about investment advisers, broker-dealers, and investing.
We offer personalized investment advisory and financial planning services to retail investors, with a specialization in U.S.-Israel cross-border financial planning for individuals and families making Aliyah (relocating to Israel).
As part of our standard investment advisory services, we monitor client portfolios on an ongoing basis and provide periodic reviews. We will contact you at least annually to review your financial situation and investment objectives.
We manage accounts on a non-discretionary basis, meaning we will provide investment recommendations but will always seek your approval before buying or selling investments in your account. You retain full control over all investment decisions.
We do not impose a minimum account size, though we reserve the right to decline clients where the account size makes it impractical to provide our services effectively.
“Given my financial situation, should I choose an investment advisory service? Why or why not?”
“How will you choose investments to recommend to me?”
“What is your relevant experience, including your licenses, education and other qualifications? What do these qualifications mean?”
| Service | Fee Structure | Frequency |
|---|---|---|
| Portfolio Management | Annual fee of 1% of assets under management (AUM), billed quarterly (0.25% per quarter). Our full fee schedule is disclosed in our Form ADV Part 2A. | Quarterly in advance or arrears |
| Financial Planning | Fixed fee or hourly rate, agreed upon in writing before services begin. | Upon engagement or as milestones are reached |
In addition to our advisory fee, you may pay other fees and costs related to your investments, including:
You will pay fees and costs whether or not you make money on your investments. Fees and costs will reduce any amount of money you make on your investments over time. Please make sure you understand what fees and costs you are paying.
“Help me understand how these fees and costs might affect my investments. If I give you $10,000 to invest, how much will go to fees and costs, and how much will be invested for me?”
When we act as your investment adviser, we are held to a fiduciary standard. This means we are required to act in your best interest and not place our interests ahead of yours. At the same time, the way we make money creates some conflicts with your interests. You should understand and ask us about these conflicts because they can affect the investment advice we provide you.
“How might your conflicts of interest affect me, and how will you address them?”
Visit Investor.gov/CRS to research us and our financial professionals.
“As a financial professional, do you have any disciplinary history? For what type of conduct?”
For more information about our services, please visit www.aliyafinancial.com or review our Form ADV Part 2A (our firm brochure), which is available on the SEC’s Investment Adviser Public Disclosure (IAPD) database at www.adviserinfo.sec.gov.
To request an up-to-date copy of this Client Relationship Summary or our Form ADV Part 2A, or to ask any questions, please contact us:
| Firm: | Aliya Financial LLC |
| Contact: | Michael Benklifa, Principal |
| Website: | www.aliyafinancial.com |
| Email: | info@aliyafinancial.com |
| Registration: | Registered Investment Adviser — State of New Jersey |
“Who is my primary contact person at your firm? Is he or she a representative of an investment adviser or a broker-dealer? Who can I talk to if I have concerns about how this person is treating me?”