Business Details
Trusted Fee-Only Financial Advisors in Bloomfield Hills, MI
Northern Financial Advisors is a fee-only financial planning firm dedicated to providing comprehensive, client-centered advisory services. Our approach prioritizes long-term client relationships over product sales, with advisors compensated exclusively through client fees rather than commissions. We maintain rigorous professional standards, requiring all advisors to hold nationally recognized credentials like the Certified Financial Planner (CFP) designation. Our open-ended retainer model allows continuous client access for financial guidance, emphasizing proactive decision-making rather than reactive solutions.We integrate tax planning, investment management, retirement strategies, and estate planning into cohesive financial frameworks tailored to individual client needs. Our fiduciary responsibility ensures all recommendations prioritize clients' best interests, supported by ongoing academic training and professional development for our advisory team. We focus on empowering middle-American families to achieve financial security through transparent, conflict-free advisory services.
Services
Investment Planning
Tax Preparation
Retirement Planning
Wealth Management
Estate Planning
Protection Planning
Goal Setting
Risk Management
Highlights and features
- We operate under a fee-only model eliminating conflicts of interest from commission-based products
- Our open-ended retainer structure provides unlimited access to financial guidance throughout the year
- All advisors maintain rigorous professional credentials including Certified Financial Planner designation
- We employ an integrated approach connecting tax, investment, and estate planning considerations
- Our fiduciary responsibility legally binds us to act in clients' best financial interests
Associations and certifications
- SEC Registered Investment Advisor
- Certified Financial Planner Board of Standards
Services
Investment Planning
We create customized investment strategies aligned with individual risk tolerance and financial goals. Our advisors continuously monitor market conditions and adjust portfolios to optimize returns while managing risk. Clients receive ongoing education about market dynamics and investment decision-making processes.
Tax Preparation
Our tax professionals prepare comprehensive tax returns while identifying strategic opportunities for tax efficiency. We integrate tax planning with overall financial strategies to minimize liabilities across investment, retirement, and estate planning initiatives.
Retirement Planning
We develop personalized retirement plans considering income needs, tax implications, and longevity factors. Our approach includes Social Security optimization, pension analysis, and sustainable withdrawal strategies to ensure financial security throughout retirement years.
Wealth Management
Our holistic wealth management addresses asset protection, intergenerational transfers, and liquidity management. We coordinate with legal and tax professionals to implement comprehensive strategies that preserve and grow family wealth across generations.
Estate Planning
We collaborate with estate attorneys to create tailored plans for asset distribution and tax minimization. Our services include trust evaluation, beneficiary designation review, and legacy planning to ensure client wishes are fulfilled efficiently.
People
Christine Isham
President/Owner
Certified Financial Planner with 20+ years experience guiding clients toward financial security. Holds economics degree and advanced credentials in tax and investment planning. Leads firm's commitment to holistic financial advisory services.
Andrew McLane
Senior Financial Advisor
CFP professional with decade of experience in comprehensive financial planning. Completed specialized training through Alliance of Comprehensive Planners. Focuses on asset allocation and long-term investment strategies for client portfolios.
Dominik Isham
Financial Advisor
Certified Financial Planner providing personalized financial guidance since 2017. Specializes in helping clients achieve financial well-being through customized planning solutions and ongoing portfolio management services.
David W. Lentz
Chief Compliance Officer
Former CEO and practicing attorney with extensive tax court experience. Provides legal and regulatory expertise to ensure compliance with financial regulations while maintaining active client advisory responsibilities.
Dominic Arnold
Financial Advisor Assistant
Supports advisors with client meetings and financial analysis while pursuing Certified Financial Planner designation. Brings technical proficiency and client service orientation to support team operations.
Questions
What distinguishes your fee-only financial planning approach?
Our fee-only model means we receive no commissions or third-party payments, ensuring unbiased recommendations solely focused on client needs.
What professional credentials do your advisors hold?
All advisors maintain Certified Financial Planner (CFP) designations or equivalent credentials through rigorous education and examination processes.
How do you integrate different financial planning aspects?
We coordinate tax strategies, investment decisions, and estate plans to create comprehensive solutions recognizing interdependencies between financial life areas.
What investment planning services do you offer?
We develop personalized asset allocation strategies with ongoing adjustments for market changes and evolving client circumstances.
How can I access my investment accounts?
Clients maintain direct access to accounts through major custodians like Charles Schwab, Fidelity, and TIAA CREF while receiving our advisory support.
Reviews (1)
Tim Wakeham
Jan 10, 2022
Report
I have worked with Christine, Andrew, Colin and Dominik. Christine is a caring, compassionate, and really sharp advisor. She goes above and beyond for her clients. I think she is the best in the business. I have also worked closely with Andrew. Andrew is also a very sharp guy with a tremendous work ethic for his clients. I recommend the whole team without reservation. You won't find a more hard working, honorable, and dedicated group.
