We Built a Smarter Way to Manage Your Money

We are committed to providing the very best services at the very best price. Through our use of cutting-edge technology and innovative working practices, we have built a completely new way of managing your wealth and providing exceptional financial planning. These methods allow us to not only offer services that are not available from many financial planners, but also to have lower charges than many in our profession.

NorthStar Clients Enjoy Better Growth

Our clients expect more and we deliver. Studies have shown our approach to wealth management and investment 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

 
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 Charges

Our clients enjoy lower charges than with many of our competitors. We also have a commitment to total transparency in all our charges. 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’ charge. Whether you use their full range of services, or just have your money managed, you may end up paying the same charges. 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.