True North Financial Services, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$25,973,811
Clients
30
7% high-net-worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
30
HighAverage account size
$865,794
About
True North Financial Services, LLC is a state-registered independent investment adviser that works primarily with individual and high‑net‑worth clients, providing discretionary investment management alongside comprehensive, ongoing, and project‑based financial planning. The firm reports approximately $25.97 million in assets under management across a small client base of roughly 30 relationships.
The firm’s investment approach is grounded in Modern Portfolio Theory with an emphasis on asset allocation and primarily passive implementation using index mutual funds and ETFs, while allowing both strategic and tactical allocation adjustments and a mix of investment styles. Accounts are reviewed on a regular schedule (quarterly) and planning services are paired with portfolio oversight under an ongoing planner relationship that includes continuous monitoring and periodic plan updates.
Noteworthy for a firm of its size, True North operates as a single‑advisor practice and publicly directs readers to third‑party sources (including its website and the SEC’s Investment Adviser Public Disclosure site) and advertises third‑party ratings in its public materials. The brochure also highlights a formal Code of Ethics, use of Schwab’s institutional custody and support services, and an organizational model that integrates subscription‑style ongoing planning with portfolio management, a combination that is less common among independent peers.
Client services
Financial planning
Portfolio management
Expertise
General retirement planning
Cash flow / budgeting
College savings (529s, UTMA, etc.)
Business exit / sale strategy
Fee options
Project-Based Financial Planning fee: fixed fee of $800
$0+: 1.00% $0 - $500,000: 0.70% $500,001 - $1,000,000: 0.60% $1,000,001 - $2,000,000: 0.50% $2,000,001 - $4,000,000: 0.40% $4,000,001 - $6,000,000: 0.35% $6,000,001 - $8,000,000: 0.30% $8,000,001 - $12,000,000: 0.25% $12,000,001 - And Above: 0.20%
Minimum fee: Minimum fee of $250 per month ($3,000 per year) for ongoing financial planning Fee-only: Ongoing Financial Planning: minimum fee $250/month; Project-Based Financial Planning: fixed fee $800
Main office location
True North Financial Services, LLC
Port Murray NJ, United States
Number of offices
1
Most active in
True North Financial Services, LLC has reported serving >5 clients in these states in the last 12 months.
New Jersey · Texas
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
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.
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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.
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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.
Forms ADV
Quick links
LinkedIn
Facebook
Instagram
Website
(973) 520-0043
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