A clear plan, and someone on your side
Northstar Financial
A fee-only financial planning practice for people who want unhurried, honest advice. We build the plan with you, charge a flat fee, and never sell a product on the side.
Complimentary 30-minute intro call
The menu
Ways to work with us
Every engagement is a flat, agreed fee — never a commission. Start with a complimentary intro call and we will recommend the right scope from there. Advisory services only; this is planning, not investment advice on specific securities.
Where most clients start — a clear, written plan for the whole picture.
Complimentary intro call
Free
A relaxed 30-minute conversation to talk through where you are, what is on your mind, and whether working together makes sense. No cost and no obligation.
30 minComprehensive financial plan
$1500+
A full review of your cash flow, savings, debt, insurance, taxes, and goals, delivered as a written plan with clear next steps you can act on at your own pace.
2 hrRetirement roadmap
$850
A focused look at when and how you can retire — projected income, withdrawal strategy, and the trade-offs — so you can make the decision with confidence.
1 hr 30 min
What you get
Why Northstar
A few things that shape how we advise.
Fee-only fiduciary
We are paid only by you, never by commissions, and we are held to a fiduciary standard — your interest comes first, in writing.
Holistic planning
Taxes, cash flow, investments, insurance, and goals are connected. We look at the whole picture, not one slice of it.
Transparent pricing
Flat, agreed fees you see before you commit. No product sales, no surprise charges, no incentive to recommend more than you need.
On your side
We work for you and explain everything in plain language, so you stay in the driver’s seat and every decision is yours to make.
How it works
How it works
- 1
Book an intro call
Start with a complimentary 30-minute conversation. We listen, you ask questions, and together we decide on the right scope — no pressure either way.
- 2
Build your plan together
We gather the details, model your options, and deliver a clear written plan with concrete next steps you understand and agree with.
- 3
Review and adjust yearly
Life and markets change. We check in at least once a year to revisit your goals and fine-tune the plan as things evolve.
Kind words
What clients say
Northstar untangled three retirement accounts and a pile of questions into one plan I actually understand. No jargon, no sales pitch — just straight advice.
Knowing they only get paid by me changed the whole conversation. For the first time I trusted the advice I was getting about my money.
We met before buying our first home and it kept us from overextending. The plan was clear, the fee was flat, and there were no surprises.
Find us
Visit the studio
Hours
- Mon
- 9 am – 5 pm
- Tue
- 9 am – 5 pm
- Wed
- 9 am – 5 pm
- Thu
- 9 am – 5 pm
- Fri
- 9 am – 5 pm
- Sat
- Closed
- Sun
- Closed
Before you visit
Good to know
What does "fee-only" actually mean?
It means the only money we earn comes directly from the clients we advise — flat planning fees, never commissions or kickbacks from selling products. Because nothing changes our pay based on what we recommend, our advice stays aligned with your goals. As a fiduciary, we are also obligated to put your interests first.
Who do you typically work with?
We work with individuals, couples, and families at all stages — people early in their careers, mid-career savers juggling competing goals, and those planning the transition into retirement. If you want a clear, unbiased second opinion on your finances, the intro call is the place to start.
Do you have asset minimums?
No. Because we charge flat fees for planning rather than a percentage of your investments, you do not need a certain portfolio size to work with us. We will recommend the engagement that fits your situation, and you will know the fee before you commit.
Are meetings virtual or in person?
Both. Many clients prefer secure video calls and shared screens for convenience, and you are always welcome at our Chicago office if you would rather meet face to face. We will set whatever rhythm works best for you.
Start with a conversation
Book a complimentary 30-minute intro call — no paperwork, no pressure, just a chance to see if we are a fit.