True North Advisory, LLC

True North Advisory is a small, independent registered investment adviser that serves individual clients, trustees, corporations and retirement plans with investment management, financial planning, retirement-plan consulting, participant education and hourly consulting. As of March 31, 2025 the firm reports $206,915 in assets under management across four client relationships.

The firm delivers advice primarily through third‑party model platforms (AssetMark and an SEI Mutual Fund Models program) and operates largely on a non‑discretionary, co‑advisory basis — selecting and recommending model allocations while implementing accounts only as directed by clients, and retaining no authority to change model allocations without client authorization. It also provides retirement-plan consulting and rollover education and discloses related fiduciary considerations and potential conflicts when recommending account transfers.

Noteworthy differences from many peers include its licensure to sell insurance products and receipt of commission compensation for insurance sales alongside fee‑based advisory services, a relationship the brochure identifies and addresses as a conflict of interest under fiduciary duties. The combination of 100% non‑discretionary AUM, reliance on model and co‑advisory platforms, a very small client base, and explicit use of AI for real‑time note‑taking and preliminary research are operational characteristics that set the firm apart from typical discretionary, solo independent advisers.