Northern Lights Advisors: Your Financial Partner for What is Next
Don’t let poor financial decisions or missed opportunities steal the future you desire
When we approach midlife, our financial needs change. From secondary milestones such as upgrading your home, making a career shift, or family considerations (including higher education and parent care), there’s a lot to keep straight. If this sounds familiar, now is the perfect time to partner with a financial advisor who can help you chart — and achieve — the outcomes you desire.
Achieve clarity on which financial path to take
Don’t leave your future up to chance. Or worse, a faceless financial advisor who couldn’t be further removed from your reality. We offer 1:1 attention and specialize in helping tech industry employees and other executives navigate the financial complexities that accompany these high-earning careers.
Gain precious time back to your life
While you could figure out financial strategies on your own, is that really the best use of your time? Not only can the team at Northern Lights Advisors help you reallocate valuable hours to your passions, friends, and family, but your portfolio will benefit from our decades of expertise.
Peace of mind for your financial future starts with a conversation
We get it; placing your hopes, dreams, and financial assets in someone else’s hands can be frightening. That’s why every client relationship begins with a casual consultation at Northern Lights Advisors. Whether you want a one-time financial plan or ongoing portfolio management, we’d love to connect first to learn about you and your goals for the future.
Northern Lights Planning Process: Examples of Scope
- Cash flow analysis
- Review existing spending in detail
- Identify spending patterns and areas to improve
- Work out a forward-looking budget agreed to by all parties involved
- Review cash flow feasibility on financial planning goals
- Retirement planning projections
- Cash flow analysis and budgeting
- Monte Carlo testing of retirement
- Social security analysis
- Multiple scenario testing
- Insurance, review, and analysis of the following:
- Medicare selection and consulting
- Long-term care insurance
- Disability insurance
- Life insurance review
- Property insurance
- Auto policy
- Tax planning
- Annual tax projections
- Roth conversions
- Minimization strategies
- Tax loss harvesting
- Estate tax minimization strategies
- College planning
- Include college planning costs in retirement planning
- Review options of funding college
- Execute financing plans including external support as well as parent funding
- Involve external consultants if needed for the college application process
- Stock-based compensation planning
- Tax impact of execution and determine the most efficient way to handle the holdings
- Diversification analysis of single stock holdings
- Keep or sell analysis
- Investment management
- Low-cost and tax-efficient strategies
- Completely open architecture approach – Client legacy positions are incorporated and client directed limitations are available
- Asset location – Utilize type of account for most efficient match to type of asset
- Direct indexing strategies
- Socially responsible investment options
- 1031 real estate transition options
- Debt analysis
- Review optimal use of loans and help find better solutions
- Estate planning
- Real estate purchase assistance
- Career option input
- Health insurance option assistance
- CPA hire/fire help
ADDITIONAL RESOURCES
Everything you want to know about why tech employees need a financial plan
Want to learn what differentiates Northern Lights Advisors? Download our brochure.
Curious about what you should be doing? View our comprehensive financial planning checklist.
Visit the Northern Lights Advisors blog to explore individual topics related to financial planning, wealth management, and more.