Comprehensive financial plan
Cash flow, tax, insurance and estate review with a written plan and two follow up meetings.
Fee only since 2012
We are paid by you and nobody else
Northfield is a fee only fiduciary firm. We do not sell insurance, we do not take commissions, and our fee is a flat number you approve before we begin.
14 yrsfee only practice
0commissions accepted
3CFP professionals
62planning households
Our services
Planning built around one household at a time
Fees are flat and quoted in writing. Nothing we recommend pays us anything.
Ongoing planning and management
Flat annual fee covering portfolio management, tax coordination and quarterly reviews.
Retirement income analysis
Withdrawal sequencing, Social Security timing and a year by year income projection.
Equity compensation review
RSU, ISO and ESPP planning with the tax consequences modeled across several exercise paths.
Hourly consultation
For a single question, a second opinion, or a decision that does not need a full plan.
Annual plan refresh
For past plan clients who want the projections updated without ongoing management.
Our approach
Small on purpose, and staying that way
Northfield was founded in 2012 by advisors who left commission based firms and did not want to go back. We cap the practice at roughly seventy households so meetings do not get compressed. Most of our clients are within ten years of retirement and want to know whether the number they have is enough.
•Fee only fiduciary, no commissions or product sales
•Flat fees quoted in writing before any engagement
•Household cap so your advisor has time for your questions
Reviews
What clients say
“The first advisor I met with spent forty minutes on an annuity. Northfield spent forty minutes on my spending and told me I could retire two years earlier than I thought.”
Paul S., retired 2024
“They mapped out my RSU vesting against my tax bracket and saved me a five figure mistake I was about to make.”
Anita R., equity compensation client
“I asked what they earn if I follow their advice. The answer was nothing extra, and they showed me the fee schedule to prove it.”
Dale W., planning client
FAQ
Questions about working together
What does fee only actually mean?
It means our entire compensation comes from the fees you pay us directly. We receive no commissions, referral payments or revenue sharing from any product we recommend. You can verify a firm's status on the SEC and NAPFA public listings.
Do I need a minimum amount of money?
There is no asset minimum for a comprehensive plan or hourly work. Ongoing management starts at a $7,200 annual fee, which for most households becomes reasonable somewhere around $700,000 in investable assets.
Who holds my money?
An independent custodian, not us. Your accounts stay in your name and you receive statements directly from the custodian. We have authority to trade and to bill our agreed fee, and no ability to move money to any third party.
What happens at the intro call?
Thirty minutes, no charge, mostly us listening. If your situation is a fit we send a written fee quote. If an hourly conversation would serve you better than a full plan, we say that instead.
Contact
Start with a conversation
The intro call costs nothing and ends with a clear recommendation about what level of help you actually need.
Phone(612) 555-0155
Address121 S 8th St, Suite 940, Minneapolis, MN 55402, Minneapolis, Minnesota
HoursMon to Thu 8am to 5pm, Fri 8am to 12pm
AreaTwin Cities metro, virtual meetings statewide