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    Joe Carfagno
    President and Founder

    The son of a small business owner who worked side-by-side with his father from a young age, Joe is keenly aware of what it takes to run a successful enterprise. He believes that small business owners deserve the opportunity to focus on the things they love to do, not what they have to do, and is passionate about leveling the playing field for them.

    A visionary and dynamic leader, Joe has worked in payroll and PEO his entire career. He started with one of the corporate giants before co-founding his own firm in 2006, developing it into the fastest-growing PEO in New Jersey.

    Today, he is the proud founder of CLEAR–an enterprise with a better, more responsive service model; one finely tuned to provide small businesses with speed and quality.

    Endowed with a fighting spirit, Joe dreamed of being a boxer but opted for business, where his drive and work ethic serves clients well. He holds dual degrees in Marketing and Economics from Temple University. He is passing on to his two daughters lessons in hard work, discipline, and determination—along with a love of the Dallas Cowboys. When Joe isn’t helping clients, he enjoys driving his 1991 Alfa Romeo Spider, cooking Sunday dinners, and of course, watching football.


    Jim Hahl
    Chief Operating Officer

    It’s up to Jim to ensure that clients receive the best service CLEAR can deliver, and no one knows better than he what that looks like. He is an expert in PEOs, human resources, client service, insurance and employee benefits, with a deep understanding of labor laws and compliance issues.

    Jim sets the high standards every CLEAR team member must meet, developing processes, procedures and metrics to ensure success and continuous improvement. He believes that if you’re not growing, you’re going backwards—a philosophy CLEAR brings to every clients’ business.

    Success starts with having the right team and the right culture. At CLEAR, the culture is about always going above and beyond. It’s about caring for our clients’ businesses, developing personal relationships, and work/life balance.

    In addition to more than a dozen years in the PEO industry, Jim worked at a privately-owned real estate and insurance firm as Director of Human Resources and was district manager for a large retail chain covering 20 locations and hundreds of employees. Among his accomplishments there—rescuing a store about to close and turning it into a $2 million enterprise.


    Arthur Felderstein
    Chief Financial Officer

    Ask Art about his job and the answer is simple: “It’s to make CLEAR, clear.” A CPA who is well aware of the tax and regulatory issues affecting payroll, Art is Certified in Financial Forensics by the American Institute of Certified Public Accountants and is a Certified Fraud Examiner. Known for both his financial acumen and his people skills, he is the watchdog of the company. His bottom line: to ensure that when clients hire CLEAR, they know who they are dealing with.

    In his more than 25 years with national and regional accounting firms, Art served as a trusted adviser to non-profit and for-profit businesses, and as a controller and CFO for hire.

    He numbers among his many accomplishments: writing and implementing financial policies for companies to comply with the Sarbanes-Oxley Act; due diligence investigations of potential acquisition targets for private equity companies; and investigating alleged self-dealing at two non-profit organizations and museums for a major metropolitan newspaper.

    Art is an expert in numerous areas including financial planning, budgeting, and procurement; internal controls and policies; financial statements, business activity reports, financial position forecasts, and reports required by regulatory agencies; and guiding companies to greater financial results.