NORTHSTAR SERVICES

Our comprehensive menu of planning services is similar in scope to others in the industry, but unique in execution. We know you have numerous choices when it comes to establishing your path to financial success, and we focus not only on the products that meet your needs, but how we can help you to expeditiously apply the strategies that can make a standard plan into a extraordinary journey. Our guidebook, as mentioned above, is typically broken into four "excursions" that allow us to customize your experience to be relevant to your unique needs.

Investment Excursion

In this focus area, we develop a clear policy of your intentions for your investment life regardless of market conditions. Often referred to as a "policy statement" we have found that those who clearly define and commit their position to paper have a distinct advantage in weathering the inevitable fluctuations that are a reality in a market based society. We combine your written policy statement with a full range of portfolio modeling and analysis tools that are among the best available at market today. These two items drive our necessary adjustments, allocations and new vehicle implementation as appropriate to your investment objectives.

We pride ourselves on the depth of our monitoring, research, due diligence and electronic reporting. It is this cohesive platform that helps to elevate our investment management experience for our clients to an industry standard for transparency and ease of use.

The Retirement Excursion

One of the greatest challenges facing every generation, not only the baby boomers, is the increasing cost, complexity and achievability of a secure retirement. Our firm sits on the cutting edge of the available techniques and income modeling that helps you determine how your actions can and will impact the goals you are attempting to reach during this meaningful phase of your life.

Being that your investments and retirement are intrinsically related to one another, we provide complimentary modeling, similar to that of our investment analysis to clearly illustrate where you stand under as many variables as you see fit. We also address the opportunities of benefits analysis and mobility during your working years and how that can impact your retirement experience. In addition, we address the required distribution options and terms you need to be aware of, as well as the meaningful role that long term care planning can play in helping you sustain your income for life.

Estate & Asset Excursion

In this focus area we delve into the opportunities for a diverse array of property ownership structures, all of which can and will impact your ultimate estate and asset preservation and transfer. In addition, it is also in this context that we discuss the state of your wills, trusts or any other vehicles in use to protect and manage your estate during your life and beyond. We work in concert with your attorney during these discussions depending on the actions necessary to ensure the outcome and treatment you desire.

Within this same context we analyze your risk management protection through life insurance and personal liability coverage you hold. We also discuss your qualified plans and how their ultimate distribution could impact your estate overall.

Family gifting and charitable planning opportunities are also discussed for your benefit and review.

Business Planning Excursion

This focus area applies to a very specific group of individuals. It is of critical importance to those individuals, as it directly impacts their ability to not only earn a living, but maintain a sustainable model for themselves and those they employ.

Here we discuss the challenging world of succession planning, and the concept of the business continuing by design in the absence of its founder. This critical planning decision impacts not only the business owner's company, but their family and personal estate as well. The ultimate succession decision will be one of the most important that business owner ever makes.

We also cover the parameters and opportunities for employee and executive compensation, deferred compensation plans and key employee incentives. Business planning has traditionally come only out of necessity when an event or circumstance drives a need or decision to be made. At NorthStar Wealth Partners, we embrace a proactive and participatory approach that affords business owners' opportunities and choices that might not exist if the situation was to turn critical.