FREQUENTLY ASKED QUESTIONS

WHAT DOES NORTHERN LIGHTS ADVISORS DO?

Northern Lights Advisors provides financial planning and wealth management services as a fiduciary, fee-only, Registered Investment Advisor (RIA) firm.

WHAT DOES NORTHERN LIGHTS ADVISORS SPECIALIZE IN?

We are deeply familiar with the income-related nuances of Seattle’s tech industry. Northern Lights Advisors offers clients investment solutions tailored to each client’s unique circumstances and provides ongoing advice for clients whose funds we manage, as well as one-time financial plans.

In all cases, we look at your full financial status today (including savings, insurance, estate planning, education funding, etc.) And then we create scenarios for what you may be planning in the future.

WHERE ARE YOU LOCATED?

Northern Lights Advisors has offices in Seattle, Washington.

WHAT DOES INVESTMENT MANAGING INCLUDE?

As part of your investment management, we can help with:

  • Choosing, monitoring, and keeping investments organized
  • Avoiding investment selection and allocation mistakes
  • Rebalancing
  • Maximizing tax efficiency in investments
  • Tax-loss/Tax-gain harvesting
  • Direct Indexing
  • Facilitating Roth Conversions, Backdoor Roth IRAs
  • Compensation and benefits review 
  • Aligning investments with client values
  • SRI/ESG research and implementation
  • Facilitating corrective actions (removal of excess contributions, etc.)
  • Aligning asset allocation with client time horizons and risk profile (and keeping it up to date)
  • Account management of custodian paperwork and administrative details
  • Income planning (which accounts to pull from and in which order)
  • Avoiding behaviorally and emotionally driven errors
  • Estate planning
  • Family-based financial planning (i.e, caring for elders or your children’s education)

HOW MUCH DO YOUR SERVICES COST

We offer one-time financial planning and long-term wealth management. Every client relationship begins with a plan. Initial plans start at $2,500 and go up to $4,000. If we continue to work together, the plan fee can be waived with sufficient investments, and portfolio management services will be fee-only.

WHAT STATES ARE YOU REGISTERED IN?

Northern Lights Advisors is registered in Washington, Virginia, California, and Texas but are happy to work with clients in any state.

WHAT ORGANIZATIONS DO YOU BELONG TO?

We are members of Fee-only Network, XYPN, and NAPFA.