You want a Northstar Personal CFO if you're looking for:
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The kind of financial planning, management and guidance your CFO gives your business, but for your personal finances.
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Guidance on financial planning, investing, and tax from one source.
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The results that come from maximizing returns and minimizing taxes and fees.
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A fiduciary financial advisor who does only what’s best for you.
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Assistance building personal wealth over your lifetime, from an advisor who understands business owners.
What It Looks Like
We find that business owners consistently grapple with certain aspects of their financial management, so the core Personal CFO service covers all of these.
Financial Planning & Strategy
Clarifying your financial goals and creating your strategy and roadmap for building wealth to fund your lifestyle and values.
Investment Management
Managing your investment portfolio in line with your financial strategy and plan.
Tax Planning & Preparation
Staying on top of your tax obligations and managing your wealth in the most tax-advantaged way.
Quarterbacking
Coordinating your team (lawyers, family, insurance, banks) to align your financial life.
We can add the following elements to the core service if needed, at an additional cost.
Cash Flow Management
Ongoing management of spending and saving behaviors, aligned to your financial plan.
Exit Planning
A Certified Exit Planning Advisor® guides you to prepare to exit your business in a way that can maximize your payout.
Simple IRA Administration
For micro businesses who want to offer a starter retirement plan to employees and owners, we set up and run a Simple IRA program.
Northstar is structured to be your ideal partner.
Fee-Only Fiduciary
We act in your best interest, and not just because it’s legally required. Our compensation comes only from our clients, ensuring our advice is unbiased and focused solely on your needs.
Independent & Client-Focused
Our highest responsibility is to serve your best interests. We’re independently owned and answer only to you, not brokers, banks, or insurance companies.
Full Service Financial Management
We provide comprehensive services, including financial planning, investing, and taxes. With Northstar, you have a dedicated team managing the critical aspects of your financial life.
Diverse Expertise
Our team brings a broad and deep range of expertise, allowing us to address your unique financial situation comprehensively. You benefit from our collective knowledge.
We Believe In A Better Way
We leave out the complicated jargon and focus on what works: independent advice, holistic planning, and tax advantaged wealth management. We work hard to educate and guide you toward real wealth and well-being—no finance industry BS, just the results that come from maximizing returns and minimizing tax.
Working with traditional advisors
Conflicted interests and low trust.
Hidden fees and sales commissions for products you don’t need.
Generic advice and confusing industry jargon.
Beholden to brokers, insurance companies or the home office.
“You’ll need to talk to your tax professional about that”
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Working with Northstar
Fully committed and legally obligated to serve your best interests.
No hidden fees and no sales tactics.
Personalized advice and education that applies to your situation.
Beholden only to you, our client.
We advise you on the tax implications of investing and prepare your annual tax return.
We provide you with an amazing team
Charlotte Jones provides our Personal CFO service. She earned an MBA from Harvard University and spent years as a marketing leader for large tech companies like Microsoft and Intuit before becoming a wealth manager and business owner. Drawing on her experience as a business leader and her training in financial planning, investing, and tax, she helps her clients confidently navigate a complex industry and the challenges of running a business, to build wealth.
The Northstar team provides diverse knowledge and rigorous execution to our clients that is always specific to their financial situation. We excel at making the complicated simple and actionable.
What It Costs
You pay one single quarterly fee for this ongoing service, based on the amount of money in your accounts that Northstar manages.
More detail on how our pricing works
Personal CFO Service Fee
<$650k: $2,500/quarter flat fee
$650k - $1M: .375%/quarter (1.5% annual)
$1M - $3M: .25%/quarter (1% annual)
$3M - $5M: .1875%/quarter (.75% annual)
$5M - $10M: .125%/quarter (.5% annual)
Above $10M: .0625%/quarter (.25% annual)
Family breakpoints apply
Get Started
Schedule a free, no-obligation chat with Charlotte by calling 208-810-4938 or scheduling online.