NEW Trust & estate planning now included — at every tier

Wealth management built for the next forty years, not the next quarter.

A dedicated advisor, a clear plan, and a flat fee that doesn't grow with your portfolio. SEC-registered fiduciaries who are paid the same whether you hold cash or equities — so the advice you get is the advice that's right for you.

Schedule a free consultation Run a projection

— BACKED BY $4.8B AUM SOC 2 Type II SEC RIA · CRD 304218

Your portfolio · YTD

$2,847,193.42

$184,028 · 6.9% YTD

Allocation

68 / 28 / 4

10-yr return

+8.4% / yr

Total fees ytd

$2,400

01 — How it works

A real advisor, not a chatbot. A real plan, not a recommendation engine.

Three steps. The first costs nothing and takes an afternoon. Everything after that is paid for at one flat fee — no AUM-percentage, no transaction commissions, no hidden products.

Week 1 · No fee

A full portrait

A 90-minute call with a CFP®-credentialed advisor. We map your assets, liabilities, goals, and the things you'd never put in a budgeting app — your children's plans, your parents' care, the business you'd one day like to start.

Includes secure document upload & tax-return review

Week 2 · No fee

A written plan

You receive a personalised, 28-to-45-page financial plan — investment strategy, tax optimisation, insurance and estate review, projected paths through three scenarios. Yours to keep, no obligation to proceed.

Reviewed by senior advisor before delivery

Week 3 onwards

Live partnership

Your advisor implements and monitors the plan, meets you quarterly, and responds in business hours by phone or message. We update the plan annually, or whenever your life changes meaningfully.

Flat fee — $200/mo · everything included

02 — Run the numbers

See what a flat-fee structure compounds into.

A 1% AUM fee sounds modest. Over thirty years on a growing portfolio, it adds up to numbers most clients don't want to see. Here's the math — adjust the slider for your own portfolio.

Get the full report

Starting portfolio $1,200,000

Annual contribution $60,000

Time horizon 30 years

— You'd save with Northstead

$847,820

vs. a typical 1% AUM fee structure over 30 yrs · assuming 7% gross annual return

Illustrative projection only. Actual results depend on market performance, contribution behavior, and tax treatment. Past performance is not predictive of future results. See full assumptions and disclosures.

03 — On fees

We charge by the hour, not by your balance.

A typical 1% AUM fee means your advisor's incentive grows alongside your portfolio — even if their workload is unchanged. Our flat fee tracks the actual work, and is fully disclosed on day one.

Structure

Fee on $2.5M

Real advisor

Fiduciary

NorthsteadFlat-fee, AUM-independent

$2,400 / yr

✓

Typical RIA / wealth manager1% AUM, sometimes tiered

$25,000 / yr

✓

Robo-advisor0.25% AUM + ETF expense ratios

$6,250 / yr

—

✓

Bank wealth deskOften commission-driven

$12,500+ / yr

✓

Partial

04 — Who you'll work with

Forty advisors, each with one fewer client than they could take.

We cap every advisor at 65 clients. That's the number where they can still know each family's circumstances by heart, return your call the same business day, and update your plan as your life shifts.

Maya Chen

Senior Advisor

CFP® · CFA · 12 yrs at Bessemer Trust. Specialises in liquidity-event planning for founders.

David Okolie

Senior Advisor

CFP® · 14 yrs at Vanguard PAS. Multi-generational planning & estate strategy.

Hannah Ueda

Advisor & Tax Specialist

CPA · CFP® · 9 yrs at PwC private wealth. Stock-option & concentrated-position tax planning.

Eli Rashid

Senior Advisor

CFP® · ChFC · 17 yrs at Brown Brothers. Family-office & trust administration.

— Schedule a consultation

Begin with a conversation.

The first 90-minute consult is free, comes with no obligation, and produces a usable draft plan whether you choose to work with us or not. Most clients book within two weeks.

— Minimum portfolio: $500,000 across all accounts

Wealth management built for the next forty years, not the next quarter.

A real advisor, not a chatbot. A real plan, not a recommendation engine.

A full portrait

A written plan

Live partnership

See what a flat-fee structure compounds into.

We charge by the hour, not by your balance.

Forty advisors, each with one fewer client than they could take.

A practice that has scaled quietly.

Begin with a conversation.