Financial Planning Tools

Client Centered Financial Planning

The appropriate investment for an individual is based on many different factors.  As investment Fiduciaries we are committed to investing in our clients best interest and making sure our custom strategies fit their goals.

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Managed Portfolios

Managed accounts are used to keep pace with a changing environment. NorthStar builds risk managed client portfolios based on extensive research gathered from our investment partners and LPL financial . 

Life Insurance

Protecting your family and estate is a very important aspect of any financial plan.  Life insurance can help fill that need.

Annuities

Annuities can provide stable long term income, based on the financial strength of the issuing company.  Annuities may be part of a overall financial plan when building in a base level of income during retirement.  

Alternatives

As Financial Planners and Fiduciaries we often use Alternative investments with our clients.  Alternatives can help generate income, protect assets, hedge positions and leverage cash.  Often they are not appropriate for all investors and may be non-liquid.

Fixed and Variable annuities are suitable for long term investing, such as retirement investing.  Gains from tax-defered investments are taxable as ordinary income upon withdrawal.  Guarantees are based on the claims paying ability of the issuing company.  Withdrawals made prior to age 59 1/2 are subject to a 10% penalty tax and surrender charges may apply.  Variable annuities are subject to market risk and may lose value.


Alternative investments involve special risk such as leveraging the investment , potential adverse market forces, regulatory changes and potentially illiquidity.  The strategies employed in the management of alternative investment may accelerate the velocity of potential losses.