INTEGRITY. ACCOUNTABILITY. EXPERIENCE.

Our mission is to value and protect, above all things, the trust that our clients have placed in us. We do this by acting with integrity, always being accountable for our actions, and consistently applying and expanding our expertise.

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About Us

Our mission at Northstar is to value and protect, above all things, the trust that our clients have placed in us. We do this by acting with integrity, always being accountable for our actions, and consistently applying and expanding our expertise. Our team of professionals has been dedicated to this mission since our founding in 1996. Everything we do, from financial planning to investment management, is driven by our client’s needs. Helping them to define their most important goals is our main focus.

Our clients often have complex financial lives that require an experienced hand for guidance and execution. They place trust in our entire team because we work as one unit, with the capability to service and support the financial concerns of a variety of clients.

Professionals, executives, and business owners use our services to organize and monitor their financial lives. Our experience with pensions and governmental plans helps us provide planning services to both active and retired military members. And our level of expertise allows us to guide the financial decision making for trusts, qualified plans, and nonprofits.

Steven B. Girard
Principal / President

Steven is the President and principal of Northstar Financial Companies, Inc. His long-term approach to financial planning and investing has helped numerous clients achieve their goal of a life lived well. As the leader of our firm, Steven is responsible for developing the planning strategies used by our clients as well as our firm’s overall philosophy and guiding initiatives.

Before founding Northstar in 1996, Steven earned a bachelor’s degree in English from the University of New Hampshire and began his financial services career at MetLife. Wishing to provide his clients with independent thinking and personalized strategies, Steven decided to create his own firm focused on delivering tailored financial services in an ethical manner.

He is currently studying and fulfilling requirements for the rigorous Certified Financial Planner™ certification.

Julia Randall
Financial Planner

Julia is a financial planner with Northstar and provides clients with day-to-day support, enabling them to maintain and modify their plans as situations dictate. A detail-oriented individual, she guides clients through a high level of active communication. Julia believes that consistent monitoring and making timely adjustments is an important part of a successful plan.

Julia earned a bachelor’s degree in communication and English from Temple University. A 17-year veteran of the financial industry, she brings both management experience and hands-on advising knowledge to the Northstar team. She often coordinates with attorneys on complex estate plans and gifting strategies for high level executives. Her goal is to help bring clients confidence and a greater understanding of the financial system.

Julia is an investment advisor representative of Northstar and is currently pursuing her Certified Financial Planner™ certification.

Our Approach & Process

Our experiences working with clients over the years has taught us that clearly defined goals are the most powerful drivers of success, and that long-term strategies to meet those goals must be what guides day-to-day decision making. At Northstar, we take the time to help you fully articulate your goals and only act once the strategies we choose are mutually understood. We have also learned that over-extending risk can damage even a well-crafted plan, and that risk takes many forms. Inflation, for instance, is one of the most over-looked obstacles to long-term Plans, and so we measure its impact in everything we do. We also consider the tax implications of each strategy we employ, and how best to minimize that expense.

Of course investment risk is measured and monitored, and we take great care to keep our client’s from assuming too much in their portfolios. The biggest risks, however, are those that are most often unexpected – the devastating shock of a long-term disability, or death. We assess the potential economic impact of such an event for our clients, and ensure that the right strategies are in place to protect them. At Northstar, we believe that active and regular communication is a critical element of effectively working towards goals and managing risks, so we take the time to listen to our clients and apprise them of their progress on a regular basis.

Our process begins with the Initial Strategy Session, where we delve into what is most important to you. We seek to understand and define your goals, your worries and your current financial picture, creating the foundation on which to build your planning structure.

We then analyze the information gathered and begin to plot out specific steps to address each piece. This is your Plan.

Once we have reviewed the Plan together and agree upon the steps to take, our team will build the machinery necessary to achieve each objective. Taking into account current assets, time frame, tolerance for risk, and savings capabilities, we design a Personal Savings and Investment Plan for each goal. We will review those strategies with you prior to implementation, and then monitor your progress.

Since life is in constant motion, every Plan needs ongoing review and adjustment. Every quarter we provide you with reports that analyze and evaluate your total asset portfolio, allowing us to make timely recommendations as needed. We will also meet with you at least twice each year to reevaluate your goals and financial position and make necessary changes to the Plan.

Our Services

Your comprehensive financial plan is designed to be a guide through your financial life. As such, it is a combination of different services and planning methods customized to meet your specific needs and goals. When we create your plan, it may incorporate the following or other services

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  • Retirement planning

  • Education funding
  • Cash flow analysis
  • Estate planning
  • Gifting strategies