We Built a Smarter Way to Manage Your Money

We are committed to providing the very best services for the most competitive fees. Through our use of cutting-edge technology and innovative working practices, we have developed effective strategies to manage wealth and providing exceptional financial planning. These methods allow us to not only offer services that are not available from many financial planners, but to have lower fees than most comparable firms.

NorthStar Clients Enjoy Better Growth

Our clients expect more and we deliver. Academic studies show our approach to financial planning and investment management help our clients grow their total wealth by up to 3% extra every year compared to a typical, non-advised investor.

+ Behavioural Coaching

We help our clients maintain a long-term perspective and a disciplined approach in relation to their money.  Avoiding short-term market timing, panic selling and investing in the latest fad are likely to see your long-term returns dramatically improve. In addition to this, we educate our clients about the virtues of regular investing and planning to meet long-term investment goals. Countless academic studies have shown that this type of behavioural coaching can be one of the biggest drivers in delivering strong wealth creation and improving wealth preservation.

(Potential value added: 1.50% per annum)

+ Low Cost Investments

We harness the power of low-cost passive investments within our portfolios. The overwhelming evidence from academic studies shows that (particularly in the more developed markets), active management (paying a fund manager to run a fund) simply doesn’t add much value. We only use active funds in more niche areas where we think there is real value that can be added. By taking a predominantly passive approach to investing, we cut the investment fees our clients pay significantly. Every pound saved in fund management fees is an extra pound in your portfolio.

(Potential value added: 0.36% per annum)

+ Regular Portfolio Rebalancing

Over time, different elements of an investment portfolio will grow at different rates. This portfolio drift may mean you end up taking on risk that you had not planned to take and that could hurt your performance over time. Regularly rebalancing your portfolio will put you back on track, reducing risk and increasing long-term performance.

(Potential value added: 0.24% per annum)

+ Tax-efficient Product Selection

We help our clients invest as tax-efficiently as possible. Minimising taxes and obtaining reliefs where available can boost the effective returns investors receive over the long-term. We always recommend the best available products and employ the most tax-efficient investment strategy to maximise returns.

(Potential value added: up to 0.16% per annum)

+ Smart Withdrawal Strategies

When it comes to using the money you have invested, it’s important to spend smartly. We help our clients use the proceeds from the right investment at the right time. This helps minimise the tax payable and increases the longevity of investment portfolios. Our expertise means that our clients are always invested in the right products and encash these at the right time. We help our clients plan for the long-term and can effectively manage the encashment of investment policies to ensure the best outcome.

(Potential value added: 0.76% per annum)

Total potential value added: up to c. 3% per annum

 
NorthStar Clients Enjoy Better Service

Our clients expect better service. We offer much more than many financial planners and always go the extra mile to deliver the very best service to our clients.

 
NorthStar Clients Enjoy Lower Fees

Our clients enjoy lower fees than offered by many of our competitors. We also have a commitment to total transparency in all our fees. We believe you should know exactly what you will pay upfront. Nothing hidden, nothing unexpected. That is our promise.

Only Pay for the Services You Need

Many financial planners have a single ‘all-in’ financial planning fee. Whether you use their full range of services, or just have your money managed, you may end up paying the same fees. This means that many people are paying over the odds as they only require a specific service. We take a different approach. Our modular charging structure means you only pay for what you need.

NorthStar Clients Pay Lower Fees

We use technology to help us deliver lower investment management fees than many financial planning firms. Our charges are so competitive that we can often provide a fully advised service including risk profiling assessments, regular portfolio rebalancing, 24/7 portfolio access, ongoing monitoring, regular investment reviews and much more – all for a similar price to investing yourself and significantly cheaper than many advised services.

We’re Committed to Transparent Fees

We have a commitment to total transparency in all our fees. We believe you should know exactly what you will pay upfront. We’re proud to publish all our fees on our website. Nothing hidden, nothing unexpected. That is our promise.

We Never Compromise on Service

We’re committed to offering our clients the lowest possible fees, but we never compromise on service. Our client reviews, testimonials and satisfaction ratings are a testament to the level of service we provide to each and every NorthStar client.