Northstar Financial Advisors LLC

Northstar Financial Advisors provides asset management and financial planning primarily for individual clients while also serving pension and profit‑sharing plans, trusts, and other institutional clients. The firm reports managing about $62.4 million in client assets across roughly 35 accounts and offers both wrap‑fee and non‑wrap fee programs implemented through qualified custodians (commonly Charles Schwab) with trading authorization.

The firm emphasizes individualized portfolio construction, typically using mutual funds, equities and fixed income, and applies a mix of fundamental, technical (charting) and cyclical analysis across long‑ and short‑term strategies. Northstar discloses that it may manage accounts on a discretionary basis and implements a range of trading approaches including short sales, margin borrowing, and option writing alongside standard buy‑and‑hold techniques.

What distinguishes the firm from many independent peers is its explicit use of borrowing and derivatives within separately managed accounts and its provision of services to pension/profit‑sharing and other institutional clients, practices that are relatively uncommon among similar independent advisers. The brochure also highlights the firm’s concentrated client relationships and documented procedures for trade aggregation, error correction, custody oversight, and client‑specific investment restrictions.