Our Services

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Portfolio Management

At Northstar, active portfolio management is the art and science of making decisions about asset allocation and security selection, matching investments to objectives, and balancing risk against performance. We do the heavy lifting when it comes to determining strengths, weaknesses, opportunities and threats in the choice of debt vs. equity, growth vs. value, and many other trade-offs encountered in the attempt to maximize return over time in a variety of market conditions.

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Retirement Planning

Now more than ever, planning for your retirement is critical. Gone are the days when pensions and Social Security provided all the income you needed for retirement. Today’s reality is that you are responsible for managing your own retirement, and that starts with making sure that you’re on the right track. Northstar can help. By accumulating as much as you can as soon as you can, you can put time on your side—time to plan, time to weather the ups and downs of the market and time to let your money grow. Then, as you zero in on retirement, you’ll need to manage risk and make your money last through retirement.

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Asset Management

Because we work primarily with families and individuals of all ages, we run two portfolio strategies – one for those who are accumulating assets and another portfolio for those who are living off of their investments. For those who are still accumulating wealth, we emphasize price appreciation and the power of compounding capital gains and cash flow. For those who are actively taking distributions, we focus on creating consistent returns and portfolio stability. We take into account all of your sources of income, whether in the form of a pension or income producing real estate and work to grow cash flow to meet annual distributions.

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Money Management

Using our own research on the universe of available companies and securities, our portfolio of individual stocks and bonds allows us to help investors participate in rising markets and protect your wealth in declining markets. We also know each of our clients individually. We believe in maintaining a tight connection between the securities that we include in your portfolio and what your goals and objectives are. This highly proactive and transparent process is called Private Money Management. That close link to our clients fosters trust and a better outcome because the people who are running your portfolios know you personally.

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401K Selection and Preparation

Your employer’s 401k offerings are a valuable resource on your journey to retirement. Most employers offer generous matches and an easy way to get started. Most employer – sponsored savings plans don’t come with a lot of help. The array of investment options can be confusing and you may want to know if you’re making the best choices for your circumstances. Clients ask us all the time: “What investments should I have in my 401k?” We’re more than happy to review the features of your particular plan and choose the funds that can maximize your opportunities.

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Portfolio Investment Strategies

At Northstar, our mission is to help our clients build portfolios to last their lifetimes. What that means is we help clients both build investment portfolios for retirement and live off the returns from those portfolios during retirement. To help clients achieve these goals, we follow what we call our Income First Total Return Strategy. We run a portfolio of individual stock and bond holdings that is designed to help us achieve a strong total return over time, but also with less volatility. We do our own research on the securities in the portfolio, and we believe in knowing what we own.