Northern Financial Advisors, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Northern Financial Advisors, Inc. is a fee‑only registered investment adviser that serves individuals and high‑net‑worth clients and families. The firm provides holistic financial planning and discretionary portfolio management, and it includes tax preparation services as an option within its retainer engagements.
NFA generally acts with discretionary authority for investment management and builds portfolios using its Functional Asset Allocation™ framework, which emphasizes clients’ personal circumstances across three broad asset functions: Interest Earning, Real Estate, and Equities. The firm may allocate portions of client accounts to an unaffiliated sub‑advisor (Asset Dedication, LLC) while retaining oversight, conducting due diligence, and coordinating implementation.
Noteworthy features disclosed in the brochure include multiple fee‑delivery models — including fixed annual retainers and an income‑based “Spark” retainer aimed at younger clients — together with the inclusion of tax preparation in retainer services. The brochure also describes the firm’s relationship with Asset Dedication (including a fee schedule that decreases as assets placed with the sub‑advisor grow) and notes that the firm advertises third‑party ratings in its materials.
Client services
Expertise
Demographic focus
Fee options
Less than $75,000+: Spark Retainer fee: $750 plus 1.5% of gross income (excluding capital gains/losses) $75,000 - $500,000: Spark Retainer fee: 1% of investible assets plus 1.5% of gross income (excluding capital gains/losses) $0+: Asset Management Retainer fee: 1% of assets under management
Minimum fee: Standard Retainer fixed annual fee ranging between $6,200 and $75,000 Fee-only: Firm is fee-only; compensated solely by fees from clients; no commissions
Main office
74 E. Long Lake Rd., Suite 200
Bloomfield Hills MI 48304
Advisors at this office
5
Most active in
California · Florida · Illinois · Michigan · New York · North Carolina · Pennsylvania · Texas
Also doing business as
Northern Financial Advisors, Inc · Northern Financial Advisors, Inc.
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Advisors at this firm
Dominic A
CFP®, Series 65
Bloomfield Hills, MI
Northern Financial Advisors, Inc.
Dominic Arnold is a CFP® and holds a Series 65 license, with nine years at Northern Financial Advisors, Inc. and a total of five years in the financial industry. Before joining the firm, he worked at Wyndgate Country Club and has spent over a decade coaching part time at Flipspot Gymnastics and Cheer. Northern Financial Advisors, Inc. is a fee-only registered investment adviser serving individuals and high-net-worth clients and families. The firm offers holistic financial planning and discretionary portfolio management, using its Functional Asset Allocation™ framework to tailor portfolios based on clients’ personal circumstances.
Andrew M
CFP®
Bloomfield Hills, MI
Northern Financial Advisors, Inc.
Andrew Mc Lane is a CFP® professional with 10 years of experience, currently serving at Northern Financial Advisors, Inc. in Bloomfield Hills, MI, where he has worked since 2013. He is part of a six-advisor team focused on financial planning and investment management. Northern Financial Advisors serves individual and high-net-worth clients with holistic financial planning and discretionary investment management. The firm’s Functional Asset Allocation™ framework aligns portfolios with clients’ life circumstances and tax considerations, offering tailored strategies through retainer-based engagements that often include tax preparation.
Sabrina I
CFP®
Bloomfield Hills, MI
Northern Financial Advisors, Inc.
Sabrina Isham is a CFP® professional with one year of industry experience, currently serving with Northern Financial Advisors, Inc. Her prior work includes roles at UCLA and Chipotle. Northern Financial Advisors, Inc. is a fee-only registered investment adviser that serves individuals and high-net-worth clients, offering holistic financial planning and discretionary portfolio management. The firm uses its Functional Asset Allocation™ framework to tailor portfolios based on clients’ personal circumstances and includes tax preparation services within its retainer engagements.
Dominik I
CFP®
Bloomfield Hills, MI
Northern Financial Advisors, Inc.
Dominik Isham is a CFP® professional with nine years of experience at Northern Financial Advisors, Inc. He has been with the firm since 2017 and previously spent five years at Michigan State University. Northern Financial Advisors serves individual and high-net-worth clients through holistic financial planning and discretionary investment management. The firm uses a Functional Asset Allocation™ framework that considers clients’ life circumstances and tax profiles to tailor portfolio strategies, often managing accounts on a discretionary basis and incorporating third-party sub-advisors when appropriate.
Christine I
CFP®
Bloomfield Hills, MI
Northern Financial Advisors, Inc.
Christine Isham is a CFP® professional with 19 years of experience in financial advising. She has been with Northern Financial Advisors, Inc. in Bloomfield Hills, MI since 2002. Northern Financial Advisors serves individual and high-net-worth clients through holistic financial planning and discretionary investment management. The firm uses a Functional Asset Allocation™ framework that considers clients’ life circumstances and tax profiles, offering tailored strategies and a mix of retainer-based engagement models.
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