Northstar Financial Companies, Inc.

Northstar serves individual and high‑net‑worth clients with comprehensive financial planning and both discretionary and non‑discretionary investment management across taxable and retirement accounts. The firm commonly charges percentage‑of‑assets fees and offers ongoing planning and portfolio management, including a separate wrap‑fee program.

Its investment process is goals‑based and primarily fundamental, using mutual funds, ETFs, individual equities and fixed income to match client objectives and risk tolerances. Northstar also operates equity‑only model portfolios through its Crabtree DBA (an equally weighted small‑cap growth model and a technology‑focused model) and employs options and other derivative strategies within separately managed accounts.

Northstar is notable for its adviser affiliations and platform structure: it owns a municipal bond advisory firm that can serve as a sub‑adviser for fixed‑income allocations, has acquired and continues to offer Crabtree strategies (including as a sub‑adviser to other RIAs), and sponsors a wrap‑fee program for which it retains program fees. The firm discloses these relationships and uses written sub‑adviser agreements and external compliance support to manage the related conflicts and oversight responsibilities.