Lodestar Financial Management, LLC

Lodestar Financial Management provides comprehensive financial planning and occasional stand‑alone portfolio management to individuals, families, and small business owners, with a client base that includes successful professionals and business owners. Services cover integrated topics such as cash‑flow and budgeting, tax and estate planning, risk management, retirement and employer benefits, and investment review.

The firm follows a planning‑led process that begins with detailed information gathering and an initial planning period with frequent meetings to develop and implement a multi‑year agenda, then shifts to ongoing maintenance and education. Investment recommendations emphasize asset allocation and diversification—using a mix of passive and active vehicles, generally avoiding individual stocks—and are delivered predominantly on a non‑discretionary basis, meaning transactions are executed only with client authorization.

Lodestar is structured as a fee‑only adviser that charges fixed, flat fees rather than percentage‑of‑AUM fees, a billing practice that is uncommon among peers. The firm is a solo advisory practice managing a meaningful amount of client assets for a small number of clients and applies specific administrative policies—such as excluding client‑initiated increases in leverage from subsequent fee calculations—that further distinguish its operating approach.