Becoming Our Client
How We Can Help

How Our Team-Approach Can Help You

NorthStar is one of few firms that offers comprehensive retirement planning under one roof:

  • Investment & Income Strategies
  • Tax and Social Security planning
  • Long-Term Care
  • Healthcare and Medicare Planning
  • Wills, Trusts, Estate & Legacy Planning 

Our team combines their knowledge and skills to offer the ultimate personalized planning experience for you and your family.

Our fiduciaries are ethically and legally devoted to your specific needs.

When it comes to your retirement strategy, we’ll create a plan that brings you peace of mind, for life.

Our Process

1. Getting to know each other:

It starts with a simple call. During this initial step, we’ll ask you about your financial situation, whatever you’re comfortable sharing. Should our team’s services appear to fit your needs, we will schedule a first meeting, virtually or in-person. This meeting is an opportunity for us to explore more in-depth your current financial plan, goals, concerns, and how NorthStar can assist you in your retirement journey. 

2. Evaluation and Analysis:

During these next steps we will present our analysis and clearly explain, step-by-step, how we can help you. We will review expectations and your fee. Our goal is that you’ll become a client for life, and this process can’t be rushed. 

3. Welcome Aboard!

Now the fun stuff! We’ll implement your income plan plan, take care of any investment allocations, do a deep dig into future long-term tax saving opportunities, and introduce you to your new NorthStar team. 

We'll focus on these components
for your Retirement Strategy:

Asset Preservation & Wealth Building

The transition from accumulation to preservation can define your lifestyle and how well you experience your retirement years. The possibility of losing value in your savings and investments must be minimized and/or eliminated to ensure a predictable and comfortable retirement.

Financial Planning
& Reducing Risk

Once we arrive at retirement, it is time to readjust how we allocate our assets. Our strategies always include financial tools that guarantee 100% of your principal and any interest earned. Additionally, it is prudent to employ strategies that protect against life-changing events such as long-term health care costs and income shortfall. 

Effective Tax Planning

Our firm specializes in tax reduction methods. Our clients enjoy more retirement income and owe fewer taxes by utilizing our experienced and knowledgeable tax planning advisors. Travis Smith, our Investment Advisor Representative and CPA, will expertly guide you as close to the zero tax-bracket as possible through personal, real estate, business, and other tax-triggering events.

Long-Term Care & Retirement Community Planning

Maintaining independence is at the center of our long-term care strategies. This type of planning requires taking the time to understand how a long-term care event can affect you and your family, what options do you have if something happens to you or a loved one, and how to fund and plan for these events without draining your assets and income. Mary Ellyse Fendig, our Long-Term Care expert will assist you in planning for these unforeseen circumstances.

Healthcare & Medicare

Medicare, Supplements, Healthcare, Advantage plans and Prescription Drug Coverage must be part of the conversation when building a comprehensive retirement plan. We'll help you prepare for medical costs in retirement, file for Medicare, and prepare for any costs that Medicare doesn't cover.

Wills, Trusts, Legacy & Estate Planning

There is a proper way to pass assets on to your heirs. Our strategies allow your successors to inherit your assets in the most favorable means available. Through our partnership with our in-house attorney, Wade Cupcheck, we can assist you with various legal matters planned and unplanned.

HerCompass

What is HerCompass? NorthStar’s specialized financial and long-term care planning program designed specifically for women. 

Get clarity and confidence in your financial journey. Research shows that getting professional advice is one of the smartest things you can do with your money. And it’s about more than your portfolio. We’re here are your financial professional, mentor, behavioral coach, and your accountability partner.

 

Becoming Our Client

Getting Started:

Our goal is for you to feel confident and thoroughly understand how we can help you before you make the decision that NorthStar Financial & Retirement Planning is right team for you.

It can be difficult to decide where to go for financial advice. We understand that people can be apprehensive when asking for information and assistance. At NorthStar, we believe in the Golden Rule: treat others the way you would like to be treated. 

Our promise to you is that we will be respectful of your time and there will be no pressure or obligation to do business with us. We want you to be comfortable from the minute we meet!

No financial planning experience needed! There is no charge for the initial consultation and we’ll answer any questions you may have. We are a fee-based fiduciary firm. 

Our typical client is usually preparing for retirement, already retired, experiencing a divorce, has recently lost a spouse, or received a settlement. Our comprehensive financial planning services will be most valuable to you if you have $500,000 or more in investable assets. 

Contact us for your
Free 5-Step Retirement Guide.

Our 5-STEP RETIREMENT GUIDE will show you what information is needed to understand the risks associated with retirement so that you can make smart retirement planning decisions.

How can we help?

It can be difficult to decide where to go for financial advice. At NorthStar, we believe in the Golden Rule: treat others the way you would like to be treated. We understand that people can be apprehensive when asking for information and assistance.

Our promise to you is that we will be respectful of your time and there will be no pressure or obligation to do business with us. We want you to be comfortable from the minute we meet!

- George

George Fossing RICP® | CLTC®, President, CEO