True North Financial Planning, LLC

True North serves individual and high-net-worth clients, offering comprehensive financial planning and portfolio management that address retirement strategy, cash flow, tax reduction, and estate preservation. The firm provides both discretionary and non-discretionary portfolio management and delivers services under fixed-fee, hourly, or negotiated engagements rather than relying on percentage-of-assets fees.

The firm’s investment approach combines modern portfolio theory with cyclical analysis and may use ETFs, mutual funds, options, margin, and alternative investments where appropriate. Client plans incorporate cash-flow and tax analyses and accounts are reviewed at least quarterly, with ongoing monitoring or updates available as part of implementation services.

A distinctive feature is that the principal holds CPA and PFS credentials, so tax and accounting considerations are explicitly integrated into the planning process, which is less common among independent peers. True North also communicates via periodic or event-driven reports/newsletters and operates as a small practice (about 13 clients and $5.46M in managed assets) that typically charges fixed or hourly fees rather than percentage-of-AUM, an uncommon fee model for firms in this category.