Northstar Financial Planning provides financial planning, portfolio management for individuals and small businesses, pension consulting, selecting other managers, education planning, estate planning, insurance, and tax planning. Financial planning was provided to 101–250 clients last fiscal year.
Northstar Financial Planning reports 172 clients. They include 92 high-net-worth individuals and 80 individual clients. Of its assets, 100.0% ($276M across 486 accounts) are managed with discretion. A wrap fee program the firm both sponsors and manages holds $160K. It advised 1 client without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 47% | 17% |
| High-net-worth individuals | 53% | 82% |
| Pension and profit-sharing plans | Fewer than 5 | 1% |
Client shares use reported counts. Client types without a reported count are excluded from that total.
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 80 | $46.1M | 16.7% | $577K |
| High-net-worth individuals | 92 | $226M | 81.9% | $2.45M |
| Pension and profit-sharing plans | Fewer than 5 | $3.78M | 1.4% | — |
| Total | 172 | $276M | 100% | — |
- Clients
- 80
- Regulatory AUM
- $46.1M
- AUM share
- 16.7%
- Avg. per client
- $577K
- Clients
- 92
- Regulatory AUM
- $226M
- AUM share
- 81.9%
- Avg. per client
- $2.45M
- Clients
- Fewer than 5
- Regulatory AUM
- $3.78M
- AUM share
- 1.4%
- Avg. per client
- —
Total
- Clients
- 172
- Regulatory AUM
- $276M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 1
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 101–250
Northstar Financial Planning charges 0.50%–1.25% a year for its Fee for Wealth Management. The fee is billed in advance, is negotiable and has a $7,500 annual minimum. The brochure also prices 2 other services, listed under fee details.
Fee details and sources
Other fees
- Financial Life Planning
- Financial Life Planning fees range from $7,500 to $10,000, as a one-time fee or an annual fee for ongoing services, billed quarterly in advance and negotiable.
- Stand-Alone Investment Management
- Stand-alone investment management is charged 0.75% a year up to $5,000,000, 0.60% from $5,000,001 to $10,000,000, and 0.50% above $10,000,000.
Robin Young owns 25% to 50% of Northstar Financial Planning. The leadership team of Northstar Financial Planning includes Chief Compliance Officer Robin Young. It has 6 employees.
Leadership
- Robin YoungManaging Member/Chief Compliance Officer
- Alexa DarbeMember
- Rachel DecarolisMember
- Julie FortinWealth Manager, Member
Investment adviser representatives
5 representatives listed in the SEC register as of 9 October 2026.
- Alexa Faith Darbe
- Rachel Nicole Decarolis
- Julie Ellen Fortin
- Natalie Brooke Marin
- Robin Ann Young
Staff
- 6 employees
- 6 in advisory functions
- 6 state-registered reps
- 1 soliciting firm
- Owns 25% to 50% of Northstar Financial Planning, LLC
Robin Young
Control person · since April 2008
- Owns 25% to 50% of Northstar Financial Planning, LLC
Alexa Darbe
since October 2020
- Owns 25% to 50% of Northstar Financial Planning, LLC
Rachel Decarolis
since October 2020
- Owns 25% to 50% of Northstar Financial Planning, LLC
Julie Fortin
since October 2020
Northstar Financial Planning’s regulatory assets grew 1.8× from $154M (February 2021) to $276M (February 2026); clients rose from 120 to 172 and employees fell from 8 to 6.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| February 2026 | $276M | 172 | 6 | 1 |
| April 2025 | $263M | 161 | 6 | 1 |
| June 2024 | $229M | 144 | 8 | 1 |
| March 2023 | $184M | 151 | 9 | 1 |
| January 2022 | $193M | 120 | 8 | 1 |
| February 2021 | $154M | 120 | 8 | 1 |
Besides its headquarters, Northstar Financial Planning has 0 offices, with 1 listed address in New Hampshire.
New Hampshire · 1 listed address
- 112 Range Road, WindhamHQ
Contact and registration details
- Legal name
- Northstar Financial Planning, LLC
- Headquarters
- 112 Range Road, Windham, NH 03087
- Phone
- 603-458-2776
- @northstar-financial-planning
- SEC file
- 801-113219
- Founded
- 1994
- Structure
- New Hampshire LLC
- Fiscal year end
- December
Northstar Financial Planning uses Charles Schwab ($276M) as custodian for its separately managed accounts. Northstar Financial Planning does not have custody of client assets.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $276M100%
At year end, Northstar Financial Planning’s separately managed accounts were mostly in funds (94%).
What the accounts hold
- Stocks2%
- Funds94%
- Cash4%
How many clients does Northstar Financial Planning have?
Northstar Financial Planning has 172 clients and manages $276 million for them, as of February 2026. They include 92 high-net-worth individuals and 80 individual clients.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 3 February 2026
What services does Northstar Financial Planning offer?
Northstar Financial Planning provides financial planning, portfolio management for individuals and small businesses, pension consulting, selecting other managers, education planning, estate planning, insurance, and tax planning.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
How much does Northstar Financial Planning charge?
Northstar Financial Planning charges 0.50%–1.25% a year for its Fee for Wealth Management. The fee is billed in advance, is negotiable and has a $7,500 annual minimum.
Source: NORTHSTAR FINANCIAL PLANNING, LLC. ADV BROCHURE, filed 3 February 2026
Which custodians does Northstar Financial Planning use?
Northstar Financial Planning’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $276M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 3 February 2026
How many financial advisors does Northstar Financial Planning have?
Northstar Financial Planning has 6 investment adviser representatives registered with state securities authorities, out of 6 employees, and 6 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Northstar Financial Planning invest in?
At the end of its last fiscal year, Northstar Financial Planning’s separately managed accounts held 94% registered funds (mutual funds, ETFs, BDCs), 4% cash and equivalents and 2% exchange-traded equities.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Northstar Financial Planning?
Northstar Financial Planning’s direct owners are Robin Young, Alexa Darbe, Rachel Decarolis and Julie Fortin, each holding 50% or less.
Source: Form ADV Part 1A, Schedules A and B, filed 3 February 2026
How does Northstar Financial Planning get paid?
Northstar Financial Planning is paid through a percentage of assets under management and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Northstar Financial Planning?
Northstar Financial Planning’s main office is at 112 Range Road, Windham, NH 03087. Its phone number is 603-458-2776. Its website is northstarfinancialplanning.com.