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TruNorth Financial Services, Inc.

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Client assets under management

$300,823,951

Clients

439

20% high-net-worth

Advisors

3

of 6 employees

Firm type

Supported

1-4 advisors or >$200M in AUM

Clients per advisor

146

Very High

Average account size

$685,248

About

truNorth Financial Services, Inc. provides discretionary investment management and financial planning to individuals — including high‑net‑worth clients — as well as trusts, foundations, and business entities; the firm reports roughly $309 million in discretionary assets under management across a three‑advisor team and about 439 client relationships. Core services described in the brochure include portfolio management, retirement rollover advice, and financial planning or consulting delivered on a fixed‑fee or hourly basis.

The firm follows a conservative, diversified asset‑allocation framework driven by a client‑specific Investment Policy Statement and risk questionnaire, with tactical deviations allowed to capture short‑term opportunities; portfolios emphasize mutual funds and ETFs, with individual equities and bonds used when appropriate. Investment decisions are supported by both fundamental and technical analysis and by outside research resources, including corporate rating services and custodian research tools.

What distinguishes truNorth from many peers is its regular client communications and education: the brochure notes the occasional distribution of articles or newsletters and that the firm hosts educational seminars and workshops for clients and prospects, with informational materials available via its ADV and website. The firm is owner‑managed, operates with a small single‑office team that at times uses interns, recommends Fidelity and Schwab as custodians, manages accounts on a discretionary basis, and does not vote client proxies.

Client services

Financial planning Portfolio management Newsletters or periodicals Educational seminars or workshops

Expertise

General retirement planning College savings (529s, UTMA, etc.) Business succession planning

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Fee options

Fixed

Fixed financial planning and consulting fees ranging from $100 to $5,000

Percentage

$0 - $999,999: 1.00% $1,000,000 - $2,000,000: 0.80% $2,000,000 - $4,000,000: 0.60% $4,000,000 - $7,000,000: 0.50% $7,000,000 - $20,000,000: 0.45% $20,000,000+: 0.35%

Project-based

Up to $250 per hour for financial planning and consulting services

Other

Minimum fee: One-time initial setup fee ranging from $250 to $500 (may be waived at discretion) Fee-only: Financial planning and consulting fees: fixed fees ranging from $100 to $5,000 or hourly fees up to $250 per hour

Main office location

TruNorth Financial Services, Inc.

425 Phoenix Drive

Chambersburg PA 17201, United States

Number of offices

1

Most active in

Colorado · Maryland · North Carolina · Pennsylvania · South Carolina · Texas

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Advisors at this firm

user avatar

Noah E

Series 65

Chambersburg, PA

TruNorth Financial Services, Inc.

Noah Eshenaur is a financial advisor at TruNorth Financial Services, Inc. with a Series 65 designation and three years of industry experience. Prior to joining TruNorth, he worked in various roles including positions at Shippensburg University and Tuscarora Intermediate Unit 11. TruNorth Financial Services provides discretionary investment management and financial planning to individuals, high-net-worth clients, trusts, estates, foundations, and business entities. The firm uses a conservative, diversified investment approach with portfolios constructed primarily of mutual funds and ETFs, supplemented by individual equities and fixed-income securities when appropriate.

General retirement planning College savings (529s, UTMA, etc.) Business succession planning
user avatar

Kristin R

Series 65

Chambersburg, PA

TruNorth Financial Services, Inc.

Kristin Ramsay is a financial advisor at truNorth Financial Services, Inc. with a Series 65 credential and three years of industry experience. She previously worked at Orrstown Bank for eight years before joining truNorth Financial Services in 2019. Outside of advising, she is a minority owner of a coffee roasting and coffee shop business called Denim Coffee Company. truNorth Financial Services provides discretionary investment management and financial planning to individuals, high-net-worth clients, trusts, estates, foundations, and business entities. The firm employs a conservative, diversified investment approach, constructing portfolios primarily with mutual funds and ETFs while offering retirement rollover guidance and consulting services.

General retirement planning College savings (529s, UTMA, etc.) Business succession planning
user avatar

Christopher J

Series 65

Chambersburg, PA

TruNorth Financial Services, Inc.

Christopher Jackson is a financial advisor at TruNorth Financial Services, Inc. in Chambersburg, PA, holding a Series 65 designation with 11 years of industry experience. He previously worked at PNC Wealth Management and Tucker Financial Services. Outside of his advisory role, Jackson is active in community and educational organizations, serving as chairperson of the Shippensburg University Finance Advisory Council and president of University Community Ministries. TruNorth Financial Services provides discretionary investment management and financial planning to individuals, high-net-worth clients, trusts, estates, foundations, and business entities. The firm employs a conservative, diversified investment approach with portfolios primarily consisting of mutual funds and ETFs, managing accounts on a discretionary basis guided by client risk tolerance and an Investment Policy Statement.

General retirement planning College savings (529s, UTMA, etc.) Business succession planning
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