{"url":"https://nivawealth.com/firms/northstar-financial-planning-117205","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/117205","regulatoryAum":275767000,"crd":"117205","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"5377652","suffix":null,"lastName":"DARBE","firstName":"ALEXA","middleName":"FAITH"},{"crd":"6482778","suffix":null,"lastName":"DECAROLIS","firstName":"RACHEL","middleName":"NICOLE"},{"crd":"6605205","suffix":null,"lastName":"Fortin","firstName":"Julie","middleName":"Ellen"},{"crd":"7271103","suffix":null,"lastName":"Marin","firstName":"Natalie","middleName":"Brooke"},{"crd":"2511315","suffix":null,"lastName":"YOUNG","firstName":"ROBIN","middleName":"ANN"}],"total":5,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2021-02-24","regulatoryAum":154200000,"clients":120,"employees":8,"offices":1},{"filedOn":"2022-01-31","regulatoryAum":193000000,"clients":120,"employees":8,"offices":1},{"filedOn":"2023-03-06","regulatoryAum":184000000,"clients":151,"employees":9,"offices":1},{"filedOn":"2024-06-27","regulatoryAum":229169049,"clients":144,"employees":8,"offices":1},{"filedOn":"2025-04-01","regulatoryAum":262500000,"clients":161,"employees":6,"offices":1},{"filedOn":"2026-02-03","regulatoryAum":275767000,"clients":172,"employees":6,"offices":1}],"secFileNumber":"801-113219","legalName":"Northstar Financial Planning, LLC","displayName":"Northstar Financial Planning","slug":"northstar-financial-planning-117205","website":"https://northstarfinancialplanning.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/northstar-financial-planning","xUrl":"https://x.com/northstarfp","founded":"1994","organization":"New Hampshire limited liability company","fiscalYearEnd":"December","headquarters":{"street":"112 Range Road","city":"Windham","state":"NH","stateName":"New Hampshire","country":"United States","postalCode":"03087"},"tradeNames":[],"registration":{"secApproved":"11 May 2018","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1581348.8372093022,"staff":{"employees":6,"advisory":6,"brokerDealerReps":0,"insuranceAgents":0,"promoters":1},"aum":{"regulatory":275767000,"discretionary":275767000,"discretionaryAccounts":486,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":160000,"nonUsClientsPct":0,"nonAumClients":1},"clientTypes":[{"label":"Individuals (other than HNW)","clients":80,"regulatoryAum":46149000},{"label":"High-net-worth individuals","clients":92,"regulatoryAum":225843000},{"label":"Pension and profit-sharing plans","clients":null,"fewerThan5":true,"regulatoryAum":3775000}],"feePrograms":[{"role":"main","program":"Fee for Wealth Management","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1006108","versionId":1006108,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-02-03","documentName":"NORTHSTAR FINANCIAL PLANNING, LLC. 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ADV BROCHURE"},{"role":"other","program":"Stand-Alone Investment Management","summary":"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.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1006108","versionId":1006108,"submittedOn":"2026-02-03","documentName":"NORTHSTAR FINANCIAL PLANNING, LLC. ADV BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T08:40:30.068077+00:00","documents":[{"name":"NORTHSTAR FINANCIAL PLANNING, LLC. ADV BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1006108","versionId":1006108,"submittedOn":"2026-02-03"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":275608000}],"custodyNote":"Northstar Financial Planning does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Robin Young","title":"Managing Member/Chief Compliance Officer","crd":"2511315"},{"name":"Alexa Darbe","title":"Member","crd":"5377652"},{"name":"Rachel Decarolis","title":"Member","crd":"6482778"},{"name":"Julie Fortin","title":"Wealth Manager, Member","crd":"6605205"}],"ownership":[{"label":"Robin Young","detail":"Managing member/chief compliance officer in the 25% to 50% ownership band and a control person, since April 2008."},{"label":"Alexa Darbe","detail":"Member in the 25% to 50% ownership band, since October 2020."},{"label":"Rachel Decarolis","detail":"Member in the 25% to 50% ownership band, since October 2020."},{"label":"Julie Fortin","detail":"Wealth manager, member in the 25% to 50% ownership band, since October 2020."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"New Hampshire","offices":1,"addresses":[{"street":"112 Range Road","city":"Windham","headquarters":true}]}],"brochureServices":["education planning","estate planning","insurance","tax planning"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"603-458-2776","stateRegisteredReps":6,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Pension consulting services","Selection of other advisers (including private fund managers)"],"financialPlanningClients":"101-250","assetMix":[{"label":"Exchange-traded equity securities","percent":2},{"label":"Securities issued by registered investment companies or business development companies","percent":94},{"label":"Cash and cash equivalents","percent":4}],"privateFunds":0},"sources":{"adv1FilingDate":"3 February 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/117205/PDF/117205.pdf","brochureDate":"3 February 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1006108","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Northstar Financial Planning have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Northstar Financial Planning offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Northstar Financial Planning charge?","answer":"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","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Northstar Financial Planning use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Northstar Financial Planning have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Northstar Financial Planning invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Northstar Financial Planning?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Northstar Financial Planning get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Northstar Financial Planning?","answer":"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.","source":"Form ADV Part 1A, Item 1.F, filed 3 February 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}