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Get More, Pay Less

Our clients enjoy better returns, better advice and a better level of service. We deliver all this at a lower price than many of our competitors.

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

 

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 Charges

By harnessing the latest technology we can deliver impressive efficiencies meaning you pay much less than with comparable services

Access Your Investments 24/7

View and top up your investments any time from any device – keeping you in total control

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Totally Transparent Charges

Unlike many financial advisers and wealth managers, we are proud to display all our charges 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 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.

Lower Investment Charges

We use technology to help us deliver lower investment management charges than many financial planning firms. Our charges 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 charges, but we never compromise on service.

Figures assume a 1% typical advice annual charge. Typical active portfolio fund charges from the Which? survey – November 2014. Platform annual changes are assumed to be 0.4% in each case. NorthStar portfolio charges are based on the Balanced Growth Portfolio as at 01.01.15. Charges for other portfolios will vary. All information in this chart should be used as a guide only.
 
 
The value of investments and pensions and the income from them can fluctuate and investors may not get back the full amount invested. Past performance is not necessarily a guide to future performance. Please contact us for more information on our range of investment and pension portfolios. The Financial Conduct Authority (FCA) does not regulate trust advice, tax advice, financial planning services, some forms of inheritance tax planning or will writing services. Long-term care and equity release advice provided by selected third-parties. These services are not provided by NorthStar directly.

 “ 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. ”

Will Robinson

Life goal #24: Learn to swim

Enjoy your money. Enjoy your life. Live it.

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Interested? Book your free introductory meeting

Schedule your free, 15-minute phone call or virtual online meeting with a NorthStar financial planner today. Book online in 60 seconds flat, call us free on 0800 6906 247 or contact us to schedule the best time.

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Get More, Pay Less ultima modifica: 2014-08-28T17:15:13+00:00 da NorthStar Admin