Northstar Financial Companies, Inc.

Northstar Financial Companies, Inc. is a fee-based investment adviser specializing in Financial Planning and Investment Management services since 1995. The firm offers an Initial Consultation to assess clients' needs and risk tolerances. Financial Planning services include tax planning, estate planning, retirement planning, and more. Investment Management is provided on a discretionary basis through the Asset Management Program, with approximately $280,900,000 in assets under management as of December 31, 2023. Fees are negotiable and based on the total managed portfolio value, with a maximum fee of 1.25%. Clients can opt for Financial Planning services at an hourly rate of $300. The firm acts as a fiduciary, obligated to act in clients' best interests. Northstar does not engage in principal trades and does not take custody of client funds. Investment decisions are based on fundamental analysis, and clients are informed about potential risks involved. The firm's Code of Ethics emphasizes trust and transparency, and Supervised Persons are prohibited from participating in certain transactions. Clients' accounts are regularly reviewed and monitored, and Northstar does not vote on behalf of clients. The firm discloses its financial information and has no financial commitments that could impact client services.