Northstar
How Northstar Can Help
Financial planning doesn't end when one decision has been made. As life changes, new opportunities, questions, and challenges arise that can affect your family's finances and plans for the future.
Northstar provides ongoing financial and investment guidance to help you navigate those decisions over time. AIP helps organize your finances, manage your investments, and adjust your plan as your circumstances and goals change.
And when an important decision involves expertise beyond financial planning, AIP can bring independent professionals from the AIP Network into the conversation—helping you consider the bigger picture before deciding what to do next.
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Building a Bucket Plan
One of the most important aspects of financial planning is organizing your resources in a way that aligns with both your short-term needs and long-term goals. Without a clear structure, it can be difficult to understand how your money should be allocated or how different parts of your financial life work together. Through our Northstar service, we use a bucket planning approach to bring clarity and organization to this process. By separating your assets into distinct categories based on their purpose and time horizon, we help determine how each portion of your portfolio should be invested—including the appropriate level of risk—based on your plans for the future rather than on less predictable factors such as expectations about the direction of the stock market. In the video below, we explain how this bucket planning approach works and how it can help guide financial decisions over time.
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Investment Strategies
Once a financial plan has been created, the next step is deciding how your money should actually be invested. Through our Northstar service, we help families select an investment strategy that aligns with their financial goals, their timeline for using their money, and their personal comfort with market fluctuations. In the video below, we provide a brief overview of the investment strategies commonly used by our clients and explain how we help determine which approach may be most appropriate for each household.
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Investment Philosophy
Learn about the beliefs that guide how we approach investing, including how we think about risk, market uncertainty, and portfolio diversification. Understanding this philosophy can help you decide whether our approach to financial planning and investment management is the right fit for your family’s long-term goals.
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The AIP Difference
Financial decisions sometimes involve expertise beyond financial planning. You may need guidance from an estate attorney, insurance professional, realtor, or another specialist.
Through the AIP Network, AIP can bring relevant independent professionals into the planning process when an important need arises. These professionals can review pertinent information, provide recommendations within their areas of expertise, and collaborate with AIP so you can consider the bigger picture before deciding what to do.
Your first consultation with each participating AIP Pro is included at no additional cost as part of Northstar. You decide which recommendations to follow and whether to hire any AIP Pro for additional services. Any additional advice or services from that professional are arranged separately with them.
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Common Northstar fees
Just as the Northstar offers steady direction, our pricing is designed to be clear, consistent, and transparent. Northstar is an ongoing advisory relationship, and our annual fee is based on a percentage of the assets we manage on your behalf - with lower percentage rates applied as your assets grow. This structure aligns our interests with yours and reflects the continued planning, investment oversight, and guidance we provide throughout the year. Watch this video to learn more about the fees commonly associated with our Northstar advisory service.
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"Wealth gained hastily will dwindle, but whoever gathers little by little will increase it."
Proverbs 13:11
Proverbs 13:11
Investor Survey
Choosing how to manage your investments is not simply a financial decision—it is a personal one. Our Northstar Investor Survey is designed to help you thoughtfully consider whether our approach aligns with how you prefer to make decisions, navigate risk, and work with an advisor over time. It takes only a few minutes to complete, and your responses will help you determine whether Northstar is a natural fit for your needs. If it is, the next step is a conversation where we can learn more about your goals and begin exploring a path forward together. Click on the image below to take our survey.
Contact Us
Want to learn more about Northstar? Contact us for a complimentary consultation.