Introductory call
Forty five minutes to understand your situation and tell you honestly if we can help.
Fee only fiduciary firm
We are paid by you, and by nobody else
No commissions, no product sales, no revenue sharing. One transparent fee, and a legal obligation to put your interests first.
2014year founded
Fee onlyno commissions ever
CFPon every client team
170client households
How we work together
Planning engagements and ongoing management
Every relationship starts with a free introductory call to see whether we are the right firm for your situation.
Comprehensive financial plan
One time engagement covering retirement projections, tax, insurance and estate coordination.
Ongoing planning and management
Annual fee on assets managed, covering all planning, meetings and portfolio work.
Retirement income planning
Withdrawal sequencing, Social Security timing and Roth conversion analysis.
Equity compensation review
RSU, ISO and NSO strategy including AMT exposure and concentration risk.
Hourly consulting
For specific questions when a full engagement is more than you need.
Our standard
Fiduciary all the time, not just sometimes
Northfield is a registered investment advisor, which means we owe every client a fiduciary duty on every recommendation. We accept no commissions, no referral fees and no compensation from fund companies. Our advisors hold the CFP designation and we publish our fee schedule rather than making you ask for it.
•Registered investment advisor, fiduciary at all times
•CERTIFIED FINANCIAL PLANNER professionals on staff
•Fee schedule published, no commissions or product sales
•Assets held at a third party custodian, never by us
Reviews
Client perspectives
“The Roth conversion plan they built for the gap years between retiring and Social Security will save us more than their fee, several times over.”
Bill and Karen T., Retirement planning
“I had eleven years of RSUs I had never sold. They untangled the tax picture and got me diversified over three years without a huge bill.”
Priya D., Equity compensation
FAQ
Questions about advice
What does fee only actually mean?
It means our only compensation comes from the fees our clients pay us directly. We receive nothing from insurance companies, fund families or anyone else for recommending a product. Fee based, which sounds similar, allows commissions alongside fees. The distinction matters and it is worth asking any advisor to state it plainly.
Do I need a minimum amount of money?
For ongoing management we generally work with households above five hundred thousand dollars in investable assets, but we also offer flat fee planning engagements and hourly consulting with no minimum. Younger professionals with equity compensation often start with a one time plan.
Who holds my money?
A third party custodian holds your accounts in your name, and you have direct login access at all times. We have authority to trade and to bill our fee, never to move money to ourselves. This custodial separation is a basic protection worth confirming with any advisor.
What happens in a market downturn?
Your plan is built assuming downturns will happen, because they will. We keep near term spending needs in stable assets so nobody is forced to sell equities at a low, and we use declines for tax loss harvesting and rebalancing. What we do not do is try to time an exit.
Contact
Book an introductory call
Forty five minutes, no cost, and no pitch. If another firm is a better fit for you, we will say so.
Phone(612) 555-0135
Address800 Nicollet Mall, Suite 1450, Minneapolis, Minnesota
HoursMon to Fri 8:30am to 5pm, evening calls by appointment
AreaTwin Cities metro, plus virtual clients nationwide