Would you rather spend time with those who matter most to you?
My goal is to free you up both in time and mental capacity
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.
My deep investment and financial planning background spans over a decade, serving high-earning clients to ultra-high-net-worth multiple generational families.
In addition to being a CFP®, I hold a Chartered Financial Analyst (CFA®) designation which is considered one of the highest distinctions in the investment management profession.
In other words, I am 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 ongoing to take into consideration 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?
The annual fee for portfolio management services is based on a percentage of assets in your account and is set forth in the following annual fee schedule:
assets under management | percentage |
|---|---|
Up to $500,000 | 1.25%
|
500,001 – 1,200,000 | 1%
|
1,200,000 – 1,500,000 | 0.9%
|
1,500,000 – 2,000,000 | 0.8%
|
2,000,000 – 3,000,000 | 0.7%
|
3,000,000 – 4,000,000 | 0.6%
|
Over 4,000,000 | Negotiable
|