WouldN't you rather spend time with those who matter most to you?

Our goal is to Give You Back Your time and mental capacity

Investment MANAGEMENT Done In light of your best interest

Northern Lights is a fiduciary, fee-only, Registered Investment Advisor (RIA) firm that provides financial planning and investment management services.

Our deep investment and financial planning backgrounds span over a decade, serving high-earning clients to ultra-high-net-worth multiple generational families.

In addition to being a CFP®, we hold Chartered Financial Analyst (CFA®) designations, considered one of the highest distinctions in the investment management profession.

In other words, we are well-versed in all details that arise with security analysis and tax impacts of various types of securities (RSUs, ISOs, and ESPP) and how these impact an overall portfolio.

To make sure we set you up properly

Financial Mapping

We begin with a complete financial picture, including all cash accounts, retirement funds at work, cash flows, benefits at work, pensions, social security, etc.

Risk Tolerance Review

If married, both partners complete a detailed risk tolerance questionnaire. We then discuss the results and any “mismatches” in risk tolerance so consensus can be reached together.

Investment Portfolio Development

In light of current allocations, risk tolerance, and other factors affecting ability to take on risk, we create an investment portfolio. For non-managed accounts (retirement accounts at work), we focus on locating assets in the most efficient accounts in terms of tax impacts and the marginal tax status of the client.

Ongoing Management Review

Ongoing management of assets is reviewed continually to account for any changes in tax circumstances, risk tolerance, specific requests for individual stocks or bonds, and the implications of these changes on any future plans.

What does it cost?

Our annual fee for portfolio management services is based on a percentage of assets in your account and is outlined in the adjacent annual fee schedule:

assets under management
Up to $500,000
500,001 – 1,200,000
1,200,000 – 1,500,000
1,500,000 – 2,000,000
2,000,000 – 3,000,000
3,000,000 – 4,000,000
Over 4,000,000

Let's Orient You Toward Financial Success