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. Studies have shown our approach to financial planning and investment management could help our clients grow their total wealth by up to 3.5% extra every year compared to a typical 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: up to 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: up to 0.92% 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: up to 0.43% per annum)
+ Smart Spending Strategy
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 minimize 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: up to 0.48% per annum)
+ Asset Allocation Strategy
We employ advanced diversification strategies within our portfolios to ensure our clients enjoy better returns. Too often, we see investors with portfolios that are concentrated in just one or two asset types, leaving them exposed to downturns and unlikely to capture the full upside potential of the markets. Studies have shown that asset allocation is one of the key drivers to long-term investment performance and is an excellent way to add value to an investment portfolio.
(Potential value added: up to 0.23% per annum)
Total potential value added: up to 3.56% per annum
Source: Vanguard Adviser’s Alpha framework November 2014. Chart and figures show maximum potential gains available versus a ‘typical’ non-advised investor. Figures representative of clients who take up the full range of NorthStar services. The figures should be used as a guide only and are not guaranteed in every case.
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.
A Solution that Fits Your Needs
Bespoke your service and only pay for what you need with our unique range of financial planning and wealth management solutions
Only the Very Best Advice
All our financial planners have been awarded the coveted ‘Chartered Financial Planner’ status – the gold standard in financial planning qualifications
Market-Leading Low Fees
By harnessing the latest technology, we deliver impressive efficiencies meaning you pay much less than with many financial planning firms
Access Your Investments 24/7
View and top up your investments any time from any device – keeping you in total control
Totally Transparent Fees
Unlike many financial advisers and wealth managers, we are proud to display all our fees upfront on our website
Advice Your Way
No mundane meetings and weighty paperwork – we use technology to deliver advice as you want it – face-to-face, phone & virtual online meetings
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 ‘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.
Lower Investment Fees
We use technology to help us deliver lower investment management fees than many financial planning firms. Our fees 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 are committed to offering our clients the lowest possible fees, but we never compromise on service.


“ Financial fitness is not pipe dream or a state of mind – it’s a reality if you are willing to pursue it and embrace it. ”
Total control of your money
Your money on your terms. Wherever you are, stay in control of your finances 24/7. Track your investments, transfer funds, monitor your goals, top up your savings. Take back control of your money.

Awards, Accreditations & Trade Associations
NorthStar is proud to be members of the leading financial planning trade associations. Through a continued commitment to work to the highest professional standards and deliver real value to all clients, our work has been recognised with a number of awards and professional accreditations.