The advisors at Northstar (Robin Young, Alexa Darbe and Kristina George) are all members of the Financial Planning Association™ (FPA), a membership organization for the financial planning community. FPA is the largest association of professionals dedicated to championing the financial planning process. FPA members are committed to supporting the financial planning process and to helping people make smarter decisions to achieve their goals and dreams. FPA believes that everyone needs professional, objective advice to make smart financial decisions.
Where “financial planning meets life planning,” the Kinder Institute provides us with many of our materials and methodologies for working closely with clients to discover — and plan for — their deepest and most profound goals. By applying a structured but flexible process for listening and inquiry, we conduct life planning for our clients according to the Kinder Institute program. More meaningful than conventional financial plans, life planning focuses on the human side of the financial process.
Robin Young CFP® has earned her Registered Life Planner ("RLP®") designation by completing Kinder Institute’s five-day intensive training program as well as a six month practicum involving peer review and mentor coaching.
Northstar is among an elite group in the New England region to serve as an Advanced Sudden Money Advisor, which means our leadership has completed the highest level of training in conjunction with ongoing group coaching. This practical experience contributes greatly to our ability to help individuals manage the financial, emotional, behavioral and cognitive stresses related to significant life transitions. Whether the transitions are due to influxes of wealth or other life-altering events, we have both passion for and experience in helping clients achieve effective life and financial decision-making during periods of upheaval.
To further enhance our specialization in transitional life and financial planning, we augment our role as Sudden Money advisors with the Sudden Money Institute’s targeted program for women in transition: Women, Meaning and Money. Inaugurating this important service in 2011, Northstar offers workshops that lead women along a path to help them move past personal barriers, and gain confidence and control in their financial lives. The program is offered in both a series of select, small-group meetings as well as private, one-on-one sessions.
Each of our Northstar advisors (Robin Young, Alexa Darbe and Kristina George) has met the Certified Financial Planner Board of Standards Inc.’s rigorous certification standards and is authorized to serve as a CFP® professional, providing personal financial planning.
We turn to fund manager Dimensional Fund Advisors for the majority of our recommended holdings within clients' low-cost, globally diversified portfolios. This is not because we are beholden to Dimensional in any way. To best fulfill our fiduciary obligation to serve clients' highest interests, we are a fee-only firm, accepting no commissions from third-party providers. We do, however, hold a shared view with Dimensional about how capital markets work and how best to provide clients with a successful investment experience; we are among a select group of advisors with access to the firm's fund offerings.
We have selected TD Ameritrade to serve as preferred custodian for our clients' accounts. The accounts are held in the client's name, and clients receive account activity and tax-return reports directly from TD Ameritrade (supplementing our own performance reports). The relationship helps our clients independently monitor and retain personal control over their assets.
Established in 1993, American Endowment Foundation is a leading, national, independent sponsor of Donor Advised Funds. AEF is distinguished from most other sponsors of Donor Advised Funds by the fact that they are wholly independent. They offer a neutral platform for investment flexibility and grantmaking, as well as administrative expertise geared to personalized charitable management.
Robin Young is a member of The Financial Advice Network, a network of Fee-Only independent financial advisors.