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Northern Financial Advisors, Inc.

Updated today

Client assets under management

$684,018,783

Clients

324

58% high-net worth

Advisors

6

of 12 employees

Firm type

Team

4-10 advisors or $500M+ in AUM

Clients per advisor

54

Typical

Average account size

$2,111,169

About

Northern Financial Advisors, Inc. is a fee‑only registered investment adviser that serves individuals and high‑net‑worth clients and families. The firm provides holistic financial planning and discretionary portfolio management, and it includes tax preparation services as an option within its retainer engagements.

NFA generally acts with discretionary authority for investment management and builds portfolios using its Functional Asset Allocation™ framework, which emphasizes clients’ personal circumstances across three broad asset functions: Interest Earning, Real Estate, and Equities. The firm may allocate portions of client accounts to an unaffiliated sub‑advisor (Asset Dedication, LLC) while retaining oversight, conducting due diligence, and coordinating implementation.

Noteworthy features disclosed in the brochure include multiple fee‑delivery models — including fixed annual retainers and an income‑based “Spark” retainer aimed at younger clients — together with the inclusion of tax preparation in retainer services. The brochure also describes the firm’s relationship with Asset Dedication (including a fee schedule that decreases as assets placed with the sub‑advisor grow) and notes that the firm advertises third‑party ratings in its materials.

Client services

Financial planning Portfolio management Selection of other advisers Tax prep

Expertise

General retirement planning General tax planning Cash flow / budgeting College savings (529s, UTMA, etc.)

Demographic focus

Young Professionals

Fee options

Percentage

Less than $75,000+: Spark Retainer fee: $750 plus 1.5% of gross income (excluding capital gains/losses) $75,000 - $500,000: Spark Retainer fee: 1% of investible assets plus 1.5% of gross income (excluding capital gains/losses) $0+: Asset Management Retainer fee: 1% of assets under management

Other

Minimum fee: Standard Retainer fixed annual fee ranging between $6,200 and $75,000 Fee-only: Firm is fee-only; compensated solely by fees from clients; no commissions

Main office location

Northern Financial Advisors, Inc.

74 E. Long Lake Rd., Suite 200

Bloomfield Hills MI 48304, United States

Number of offices

1

Most active in

California · Florida · Illinois · Michigan · New York · North Carolina · Pennsylvania · Texas

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Advisors at this firm

user avatar

Dominic A

Series 65

Bloomfield Hills, MI

Northern Financial Advisors, Inc.

Dominic Arnold is a financial advisor at Northern Financial Advisors, Inc. with five years of industry experience. He holds a Series 65 credential and has been with Northern Financial Advisors since 2017. Outside of his advisory role, he works part time as a coach at Flipspot Gymnastics. Northern Financial Advisors serves individual and high-net-worth clients, offering holistic financial planning and discretionary investment management. The firm’s investment approach focuses on its Functional Asset Allocation™ framework, which aligns portfolios with clients’ life circumstances and tax considerations.

General retirement planning General tax planning Cash flow / budgeting College savings (529s, UTMA, etc.) Young Professionals
user avatar

Andrew M

CFP®

Bloomfield Hills, MI

Northern Financial Advisors, Inc.

Andrew Mc Lane is a CFP® professional with 10 years of experience, currently serving at Northern Financial Advisors, Inc. in Bloomfield Hills, MI, where he has worked since 2013. He is part of a six-advisor team focused on financial planning and investment management. Northern Financial Advisors serves individual and high-net-worth clients with holistic financial planning and discretionary investment management. The firm’s Functional Asset Allocation™ framework aligns portfolios with clients’ life circumstances and tax considerations, offering tailored strategies through retainer-based engagements that often include tax preparation.

General retirement planning General tax planning Cash flow / budgeting College savings (529s, UTMA, etc.) Young Professionals
user avatar

Sabrina I

CFP®

Bloomfield Hills, MI

Northern Financial Advisors, Inc.

Sabrina Isham is a CFP® professional at Northern Financial Advisors, Inc. in Bloomfield Hills, MI. She has been with the firm since 2017 in various roles and has experience working at UCLA and Chipotle. Northern Financial Advisors serves individual and high-net-worth clients with holistic financial planning and discretionary investment management. The firm’s investment approach uses its Functional Asset Allocation™ framework, which considers clients’ life circumstances and tax factors to tailor portfolios and often manages accounts on a discretionary basis.

General retirement planning General tax planning Cash flow / budgeting College savings (529s, UTMA, etc.) Young Professionals
user avatar

David L

CFP®

Bloomfield Hills, MI

Northern Financial Advisors, Inc.

David Lentz is a CFP® professional with 19 years of experience in financial advising. He has been with Northern Financial Advisors, Inc. since 2002. Northern Financial Advisors serves individual and high-net-worth clients through a combination of holistic financial planning and discretionary investment management. The firm’s Functional Asset Allocation™ framework tailors portfolios to clients’ life circumstances and tax considerations, and it offers flexible engagement models including comprehensive retainers and standalone asset management.

General retirement planning General tax planning Cash flow / budgeting College savings (529s, UTMA, etc.) Young Professionals
user avatar

Dominik I

CFP®

Bloomfield Hills, MI

Northern Financial Advisors, Inc.

Dominik Isham is a CFP® professional with nine years of experience at Northern Financial Advisors, Inc. He has been with the firm since 2017 and previously spent five years at Michigan State University. Northern Financial Advisors serves individual and high-net-worth clients through holistic financial planning and discretionary investment management. The firm uses a Functional Asset Allocation™ framework that considers clients’ life circumstances and tax profiles to tailor portfolio strategies, often managing accounts on a discretionary basis and incorporating third-party sub-advisors when appropriate.

General retirement planning General tax planning Cash flow / budgeting College savings (529s, UTMA, etc.) Young Professionals
user avatar

Christine I

CFP®

Bloomfield Hills, MI

Northern Financial Advisors, Inc.

Christine Isham is a CFP® professional with 19 years of experience in financial advising. She has been with Northern Financial Advisors, Inc. in Bloomfield Hills, MI since 2002. Northern Financial Advisors serves individual and high-net-worth clients through holistic financial planning and discretionary investment management. The firm uses a Functional Asset Allocation™ framework that considers clients’ life circumstances and tax profiles, offering tailored strategies and a mix of retainer-based engagement models.

General retirement planning General tax planning Cash flow / budgeting College savings (529s, UTMA, etc.) Young Professionals
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