FINANCIAL PLANNING ASSOCIATIONTM (fpa)
The advisors at Northstar 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.
SUDDEN MONEY INSTITUTE
Northstar is among an elite group in the New England region to serve as Certified Financial Transitionists (CeFT), 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.
CERTIFIED FINANCIAL PLANNER®
Each of our Northstar advisors 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.
DIMENSIONAL FUND ADVISORS
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.
THE INSTITUTE FOR DIVORCE FINANCIAL ANALYSTS
The Institute for Divorce Financial Analysts is the authority on divorce planning theory and application in North America. The IDFA helps to ensure the financial health and welfare of the divorcing public. Kristina George, CPA, CFP® has earned the Certified Divorce Financial Analyst designation ("CDFA®") by meeting the prerequisites and comprehensive IDFA training course.
THE FINANCIAL PSYCHOLOGY INSTITUTE™
The mission of the Financial Psychology Institute™ is to increase the understanding of how psychological factors impact financial behaviors and establish evidenced-based practices for improving clients’ financial health. Julie Fortin, CFP® has earned the Certified Financial Behavior Specialist ("FBS®") designation by completing the Financial Psychology & Behavioral Finance program through Creighton University and demonstrated additional Financial Psychology Institute competency requirements.
AMERICAN ENDOWMENT FOUNDATION
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.
FINANCIAL ADVICE NETWORK
Robin Young is a member of The Financial Advice Network, a network of Fee-Only independent financial advisors.
International Academy of Collaborative Professionals (IACP)
Collaborative Practice is a voluntary dispute resolution process for divorcing families in which parties settle without resort to litigation.