Northern Capital Management, Inc.

Northern Capital Management serves individual and family clients (including high-net-worth individuals) as well as organizations and employer-sponsored retirement plans. The firm provides discretionary portfolio management, financial planning, rollover assistance, and retirement-plan advisory services, including selecting and managing plan menus and acting as a 3(38) investment manager for sponsors that delegate fiduciary responsibility.

Investment decisions are driven by an in-house Investment Committee that uses model portfolios (Investment Objectives) and a long-term asset-allocation focus rather than short-term market timing, combining mutual funds and ETFs with fundamental analysis for individual securities. The committee incorporates third‑party research and quantitative tools — notably the Fi360 Fiduciary Score® and Morningstar sustainability ratings — and documents investment policy statements and annual plan reviews for sponsors and participants.

Northern Capital is noteworthy for its affiliation with a separate registered adviser focused on retirement services (Northern Capital Retirement Services), and for formal procedures intended to manage the related conflicts (for example, alternating trade priority and documented rollover guidance). The firm also maintains referral and promoter relationships (including a promoter agreement with a professional association), distributes educational content and periodic communications via website/email/social channels, and routinely hosts seminars/webinars — practices that are less common among similarly sized team firms.