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At
Northstar we provide what we believe are the most important qualities
of a financial advisor:
About
Northstar:
Northstar
Financial Advisors, Inc., is a fee-based registered investment advisory
and financial planning firm serving both institutional and individual
clients. By combining investment advisory and financial planning
services we are able to coordinate and oversee the entire financial
picture. We use a diversified cautious approach. As a
fee-based only investment advisor we derive no compensation from the
sale of products and earn no commissions.
As
a result we have no bias and thus provide totally independent
investment and financial planning advice. As principal of the firm, my
background as a CPA Financial Planner, with over twenty years
experience, gives Northstar a broad base of financial experience
including extensive knowledge of taxes, financial reporting, estates,
and trusts. Very few investment advisors have these qualifications.
We
believe the combination of customized planning and cautious investing
will provide our clients with a solid financial foundation to help
reach their financial goals.
Asset Allocation
Studies
indicate that 90% of investment returns are determined by asset
allocation. Asset allocation is the process of determining the make-up
of your portfolio (percentage of stocks, bonds, overseas investments,
etc.). Northstar has developed an expertise in determining
where the best situations lie, and we have a competitive advantage over
those not trained to do so.
We
believe that this allocation skill in addition to keeping our clients
privy to current financial and tax developments (which can and has
resulted in considerable savings) justifies our 1% fee of assets under
management. Our experience has been that most of those who attempt to
be their own financial planner have been penny wise and pound foolish.
Our Approach--Value Investing
We
are also one of the few firms truly dedicated to value investing which
numerous empirical studies suggest, but do not assure, will produce
long-term rates of return in excess of average equity returns while
decreasing risk. The benefit of lower risk is decreased
volatility; therefore you are less likely to take your money
out
of the markets. We believe that staying fully
invested affords you
better prospects of winning.
More on value investing
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