Terms of use, legal notices and disclaimers
Northstar Financial Planners, Inc. is a Fee-Only Investment Advisor registered with the state of Florida and various states as required by law. Use or viewing of this site acknowledges that you are 18 years old or older, have read, understand and will abide by the terms of use, legal notices, and disclaimers contained below:
  • Registration

    Northstar Financial Planners, Inc. is registered as an investment adviser and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. Registration as an investment adviser does not constitute an endorsement of the firm by securities regulators nor does it indicate that the adviser has attained a particular level of skill or ability.

  • No Warranties

    All investments involve risk. There is no guarantee that the strategies, tactics and methods discussed here will be successful. Shares may be more or less valuable than purchase price at any time in the future. International investments entail greater risks than U.S. investments. These risks include political and economic uncertainties of foreign countries, currency fluctuations, different methods of accounting and financial reporting, and foreign taxes. These risks are magnified in countries with emerging markets, since these countries may have unstable governments and less-established markets and economies. There can be no assurance that any specific investment or strategy will be suitable or profitable for a client’s investment portfolio. There are no assurances that a portfolio will match or outperform any particular benchmark. There are no warranties, expressed or implied, as to the accuracy, completeness, or results obtained from any information posted on this or any linked site.

    Northstar Financial Planners, Inc. will not be liable to you or anyone else for any loss or injury resulting directly or indirectly from the use of this site, caused in whole or part by its negligence or compiling, interpreting, reporting or delivering this site and any content through this site. In no event will Northstar Financial Planners, Inc., or any of its officers, agents or licensors be liable to you or anyone else for any decision made or action taken by you in reliance on such content. Northstar Financial Planners, Inc. is not a bank, credit union or savings and loan. The securities offered and/or discussed are not federally insured against loss of value. They are not deposits guaranteed by any financial institution and involve risks including loss of principal, and fluctuation in value.

    This website is a publication of Northstar Financial Planners, Inc. Information presented is believed to be factual and up-to-date, but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change.

  • Advisor-Client Relationship

    The use of this website does not create or imply a client-advisor relationship.

    This website is for general information and educational purposes only, and must not be considered investment or financial planning advice. Such advice must be tailored to your individual situation and objectives. Investors should consult all available information, including fund prospectuses, and legal and accounting professionals, before making any fund purchase or executing any investment or financial planning strategy. They must exercise their own independent judgment when making any investment decision.

    Content on this website should not be constructed as an offer to buy or sell, or a solicitation of any offer to buy or sell the securities mentioned herein. A professional adviser should be consulted before implementing any of the strategies presented. Content should not be constructed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation.

  • Not Complete Description of Services

    This site does not constitute a complete description of our investment services and is for informational purposes only. For a complete description of our services, fees, methods, and qualifications refer to our SEC Disclosure Statement (ADV Part II). This site is in no way a solicitation or an offer to sell securities or investment advisory services except, where applicable, in states where we are registered or where an exemption or exclusion from such registration exists.

    None of the services, investments or mutual funds referred to in the Site are available, and prospectuses in respect of them will not be distributed, to persons resident in any state or territory where such distribution would be contrary to local law or regulation.

    The information in the Site is descriptive of our philosophy. But, the services, securities and financial instruments described may not be available to or suitable for you. Not all strategies are appropriate at all times.

  • Past Performance

    Nothing on this site should be interpreted to state or imply that past results are an indication of future performance. Investing involves substantial risk. Shares fluctuate in value and may be worth more or less than present value in the future. It is highly unlikely that the past will repeat itself. Selecting an advisor, fund, or strategy based solely on past returns is a poor investment strategy.

  • Sources of Information and Accuracy

    We provide investment information that we believe is useful and accurate. However, there are no guarantees. There are many different interpretations of investment statistics and many different ideas about how to best use them. None of these offer guarantees.

    The contents of this website are provided for informational and educational purposes only. All information is provided “as is”, without any representations or warranties of any kind. Northstar Financial Planners, Inc. expressly disclaims all express and implied warranties including those with respect to accuracy, completeness, timeliness or fitness for a particular purpose. We assume no responsibility for any losses, whether direct, indirect, special or consequential, which arise out of the use of this website. Unless otherwise expressly indicated, all financial information is unaudited and there is no representation that financial information has been prepared in accordance with generally accepted accounting principles.

    Information throughout this internet site, whether stock quotes, charts, articles, or any other statements regarding market or other financial information, is obtained from sources which we, and our suppliers believe reliable, but we do not warrant or guarantee the timeliness or accuracy of this information. Neither our information providers nor we shall be liable for any errors or inaccuracies, regardless of cause, or the lack of timeliness of, or for any delay or interruption in the transmission thereof to the user.

    Index or asset class returns shown are historical and include the change in share price, reinvestment of dividends, and capital gains. Indexes are unmanaged and do not reflect the impact of transaction costs. Transaction costs would have reduced the total returns.

    No representation is made that any illustration reflects the actual performance of any investor. For a variety of reasons, including taxes, fees, transaction costs, irregular cash flows, and/or short holding periods, individual performance may vary substantially.

    Charts and graphs do not represent the performance of Northstar Financial Planners, Inc. or any of its advisory clients. Indexes do not reflect the impact that advisory fees and others expenses will have on your portfolio.

  • Outside Links

    Some links on our Web site will let you leave our Web site. We provide these links to additional information by third parties that we believe to be useful and accurate. We are providing these links to you only as a convenience, and the inclusion of any link does not imply our endorsement of the site. The linked sites are not under our control, and we are not responsible for the contents of any linked site or any link contained in a linked site, or any changes or updates to such sites. Links to such websites or references to products, services or publications should not be construed as an approval of such sites, products, services or publications.

    Linked sites may contain rules and regulations, privacy provisions, confidentiality provisions, transmission of personal data provisions, and other provisions that differ from the provisions of this web site.

  • Offshore Investors

    This site is designed for U.S. residents. Non-U.S. residents are subject to country specific restrictions.

    Northstar Financial Planners, Inc. is registered as an investment advisor with the state of Florida and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.

  • No Legal and Accounting Advice

    The information contained in this website is not intended to provide legal, accounting, tax or specific investment advice. If such advice is required, the services of a competent professional advisor should be sought.

    The investment services and products mentioned in the Site may often have tax consequences; therefore, it is important to bear in mind that Northstar Financial Planners, Inc. does not provide tax advice. The levels and bases of taxation can change. Investors’ tax affairs are their own responsibility and investors should consult their own attorneys or other tax advisors in order to understand the tax consequences of any products and services mentioned in the Site.

  • Copyright

    The information in this Site is not intended for re-distribution. The right to download, store and/or output any material on this internet site is granted for viewing use only. Reproduction or editing by any means, mechanical or electronic, in whole or in part, without the express written permission of Northstar Financial Planners, Inc. is strictly prohibited and subject to prosecution under U.S. and International copyright and trademark laws.

    The content available through this Site is the property of Northstar Financial Planners, Inc. and is protected by copyright and other intellectual property laws. You may not post any content from this Site to newsgroups, mail lists or electronic bulletin boards, without the prior written consent of Northstar Financial Planners, Inc.

    This information may not be used by any other investment advisor or investment professional as an information/marketing materials source, asset allocator, risk capacity or risk tolerance assessment, or for any other purpose.

  • Form ADV Part II

    Below is a link to our disclosure form also know as Form ADV Part II, as required by state law and the Securities and Exchange Commission. This report includes our qualifications, methods, fees, and other vital business information. You should always request a Form ADV Part II whenever you are considering employing an investment advisor. Read it thoroughly, and ask questions if you have any.

    Download our Form ADV Part II here.

    If you have any problems downloading and/or printing the form, just call and we will mail you one.

    Note: You will need Adobe Acrobat 6.0 or higher to read the forms. If you do not have Adobe Acrobat you can download a free copy of Adobe Acrobat Viewer here.

  • Best Execution Practices

    Northstar Financial Planners provides economical global asset allocation for its clients through the use of institutional class mutual funds. As part of our fiduciary obligation, we have sought custodians who perform trades for our clients at reasonable, competitive fees. We freely share that cost information with our clients. Aside from obtaining the best possible transaction costs, best execution has little relevance in the world of mutual funds where all transactions are made at close of business net asset value for both purchases and sales. Price improvement, liquidity, and timing are simply not factors with mutual fund purchases.

    We do not routinely trade individual securities. In the rare case that we purchase or sell an individual security, we rely on the trading desk of the client’s custodian. All of our client custodians are required by SEC regulations to publish their procedures for guaranteeing best execution.

  • Government Agencies

    You can check up on our company’s good standing and compliance record by contacting the following:

    (202) 942-8088
    (800) 289-9999
    SEC file number: 801-67162
    >> www.adviserinfo.sec.gov


    Florida Office of Financial Regulation
    Division of Securities

    1-800-848-3792 or 850-410-9898
    >> www.flofr.com

  • Privacy Policy

    Northstar Financial Planners, Inc., a Registered Investment Advisor, is committed to safeguarding the confidential information of its clients and prospects. We hold all personal information provided to our firm in the strictest confidence. These records include all personal information that we collect from you in connection with any of the services provided by Northstar Financial Planners, Inc.

    We do not disclose information to nonaffiliated third parties, except as permitted by law or as required to establish and maintain a brokerage account in your name. If we were to anticipate such a change in firm policy, we would be prohibited under the law from doing so without advising you first. We use financial information that you provide to us to help you meet your personal financial goals while guarding against any real or perceived infringements of your rights of privacy.