Northstar Financial Planning, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Northstar Financial Planning advises individual clients (including high-net-worth households) and provides advisory and consulting services to employer-sponsored retirement plans. The firm offers wealth management, financial life planning, investment management, and pension/401(k) consulting, typically on an asset-based advisory basis.
The firm employs a strategic asset-allocation, core-and-satellite approach that blends passive ETFs with selected active managers and documents client goals in investment policy statements; many accounts are managed on a discretionary basis. Northstar also integrates third‑party technology and automation into its process—most notably using Betterment Advisor Solutions for a wrap program and for firm-designed custom portfolios that support automated rebalancing, tax-loss harvesting, and consolidated reporting.
Distinctive features compared with many peers include its participation as a sponsor in the Betterment wrap-fee program—offering custom Betterment portfolios and disclosing that it receives a portion of the wrap fee—and its use of paid third‑party referral arrangements (for example, a Wealthramp lead service). The firm also regularly advises plan sponsors and may serve as a discretionary ERISA investment manager (e.g., 3(38) for certain cash balance plans), combining retail wealth management with institutional plan-level fiduciary work.
Client services
Expertise
Occupation focus
Demographic focus
Fee options
$0 - $500,000: 1.25% per year (Wealth Management) $500,001 - $2,000,000: 1.00% per year (Wealth Management) $2,000,001 - $5,000,000: 0.80% per year (Wealth Management) $5,000,001+: 0.50% per year (Wealth Management) $0 - $5,000,000: 0.75% per year (Stand-Alone Investment Management) $5,000,001 - $10,000,000: 0.60% per year (Stand-Alone Investment Management) $10,000,001+: 0.50% per year (Stand-Alone Investment Management)
Account minimum: $500,000 minimum for Wealth Management/Investment Management Services Minimum fee: Minimum annual fee of $7,500 which may be reduced at firm's discretion Fee-only: Financial Life Planning fees range between $7,500 and $10,000, may be one-time or annual fees, negotiable based on complexity
Main office
112 Range Road
Windham NH 03087
Advisors at this office
5
Most active in
Massachusetts · New Hampshire · Texas
Also doing business as
Northstar Financial Planning, Inc. · Northstar Financial Planning, LLC
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:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Quick links
Advisors at this firm
Rachel D
CFP®, Series 65
Windham, NH
Northstar Financial Planning, LLC
Rachel Decarolis is a CFP® and Series 65-registered advisor with 11 years of industry experience. She has worked at Northstar Financial Planning, LLC since 2020 and previously at Northstar Financial Planning, Inc. and Perennial Advisors Group, LLC. Northstar Financial Planning advises individual clients, including high-net-worth households, and provides consulting services to employer-sponsored retirement plans. The firm employs a strategic asset-allocation approach combining passive ETFs with selected active managers and integrates technology such as Betterment Advisor Solutions to support automated portfolio management and reporting.
Robin Y
CFP®, Series 63, Series 65
Windham, NH
Northstar Financial Planning, LLC
Robin Young is a CFP® professional with 22 years of experience in financial advising. He has been with Northstar Financial Planning since 2003, working first at Northstar Financial Planning, Inc. and then at Northstar Financial Planning, LLC since 2020. Northstar Financial Planning serves individual clients, including high-net-worth households, and provides advisory and consulting services to employer-sponsored retirement plans. The firm employs a strategic asset-allocation, core-and-satellite approach that combines passive ETFs with selected active managers, and integrates third-party technology such as Betterment Advisor Solutions to support automated rebalancing and tax-loss harvesting.
Julie F
CFP®
Windham, NH
Northstar Financial Planning, LLC
Julie Fortin is a CFP® professional with 10 years of industry experience. She has been with Northstar Financial Planning since 2016, initially at Northstar Financial Planning, Inc., and continuing at Northstar Financial Planning, LLC since 2020. Northstar Financial Planning serves individual clients, including high-net-worth households, and provides advisory and consulting services to employer-sponsored retirement plans. The firm uses a strategic asset-allocation approach combining passive ETFs with selected active managers, and integrates third-party technology such as Betterment Advisor Solutions to support automated rebalancing, tax-loss harvesting, and consolidated reporting.
Alexa D
CFP®
Windham, NH
Northstar Financial Planning, LLC
Alexa Darbe is a CFP® professional with 18 years of industry experience, currently serving at Northstar Financial Planning, LLC since 2020. Prior to this, she worked at Northstar Financial Planning, Inc. for 13 years. Northstar Financial Planning advises individual clients, including high-net-worth households, and provides advisory and consulting services to employer-sponsored retirement plans. The firm employs a strategic asset-allocation approach that combines passive ETFs with selected active managers and integrates technology solutions such as Betterment Advisor Solutions to support automated rebalancing and tax-loss harvesting.
Natalie M
CFP®, Series 65
Windham, NH
Northstar Financial Planning, LLC
Natalie Marin is a CFP® and holds a Series 65 license with six years of industry experience. She has worked at Northstar Financial Planning, LLC since 2022 and was previously with Paladin Advisors LLC and Sun Life Financial. Her background also includes roles at Northeastern University. Northstar Financial Planning serves individual clients, including high-net-worth households, and provides advisory and consulting services to employer-sponsored retirement plans. The firm uses a strategic asset-allocation approach combining passive ETFs with active managers and integrates technology like Betterment Advisor Solutions to support automated portfolio management and reporting.
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)