Steven is the President of Northstar Financial Companies, Inc., and the Principal Investment Advisor Representative of the firm. With over 12 years of financial planning experience, he believes that financial planning is the key to achieving a life lived well. He is responsible for the development and institution of Northstar Financial Companies Inc.’s overall philosophy, and financial planning strategies.
Born in 1966, Steven graduated from the University of New Hampshire in 1990 with a BA in English. He began his financial services career as an insurance agent, but became dissatisfied with the industry. In 1996, Steven was inspired to create a firm focused on client goal-achievement through ethical business practices and quality client service.
He founded the Northstar Financial Companies, Inc. in Boston, MA as an independent Registered Representative of Commonwealth Financial Network. Steven transferred his registration to AXA Advisors, LLC, when he acquired the Niemeyer Group, Inc. in December of 2002. As an advisor, however, he was not comfortable being affiliated with proprietary products, so he transferred back to Commonwealth in July of 2003. Seeking further flexibility and independence for his firm and his clients, Steven transferred his registration to Cambridge Investment Research, Inc. in March of 2008. Steve was an IAR with CIRA from Mar 2008 until Oct of 2011 when Northstar registered as a State RIA.
Steven holds a FINRA Series 7 General Securities license, a Series 65 Uniform Investment Adviser license, a series 24 Securities Principal license, and Series 6 and Series 63 licenses. He is licensed and appointed with various life and health insurance companies in multiple states and is currently fulfilling the requirements for his Certified Financial Planner designation. Steven is an Associated Person of Northstar Financial Companies, Inc. and is registered in the states of PA, MA, CO, CT and FL. Additionally, he is able to conduct business in other states under the provisions of their de minimus rules.
Allen is Partner and the Chief Operations Officer of Northstar Financial Companies, Inc., and is responsible for overseeing the overall efficiency of the firm, its systems, infrastructure and philosophy. In addition, he is also responsible for the development and oversight of value-added business strategies while maintaining the highest possible level of services to our clients.
Born in England in 1964, Allen has a degree in Mechanical Engineering and Computer Science from Farnborough College in the UK, graduating in 1986. He has held executive sales and marketing positions with a number of international firms. Most recently Allen served as CEO of US Operations for Cencorp, headquartered in Finland.
Allen left Cencorp in 2005, seeking to establish his own company. Having known Steven Girard both professional and personally for a number of years, he agreed to join Northstar as COO.
In 2008, he became an Investment Advisor Representative for the firm, and registered with Cambridge Investment Research as a Registered Representative in December of that year. Allen was an IAR with CIRA from Mar 2008 until Oct of 2011 when Northstar registered as a State RIA.
Allen holds a FINRA Series 7 General Securities License and a Series 66 Uniform Investment Advisor license. He is an Associated Person of Northstar Financial Companies, Inc. and is registered in the states of Pennsylvania and Colorado. Additionally, he is able to conduct business in other states under the provisions of their de minimus rules.
Julia is a Financial Planner with Northstar Financial Companies, Inc., and provides Pennsylvania area clients with day-to-day support, enabling them to maintain and adjust their plan as situations dictate. Julia is able to help clients make informed decisions and guide them toward meeting their individual goals through a high level of active communication.
Born in 1970, Julia earned a BA in Communications and English from Temple University in 1995. Having worked more than ten years in the financial industry, Julia brings both the broad-based experience of managing a financial firm as well as a detail-oriented, hands-on approach to advising and servicing clients.
Julia has been with Northstar Financial Companies Inc. since the acquisition of the Niemeyer Group in Dec 2002. She joined the Niemeyer Group in October of 1997. She holds a FINRA Series 7 General Securities license, a Series 66 Uniform Investment Advisor license, and a Series 24 Securities Principal license. She has been a Registered Representative of Cambridge Investment Research, Inc. since March of 2008. Julia was an IAR with CIRA from Mar 2008 until Oct of 2011 when Northstar registered as a State RIA.
Julia is currently pursuing her Certified Financial Planner designation and is an Associated Person of Northstar Financial Companies, Inc. She registered in the state of Pennsylvania and is able to conduct business in other states under the provisions of their de minimus rules.
Don is the Chief Investment Officer for Northstar Financial Company, Inc. Don joined Northstar following 23 years as the President and owner of Kensington Management Company. Northstar purchased Don's company in 2010 for its expertise in portfolio design and money management. His current responsibilities are in planning and oversight with respect to all investment direction and decisions at Kensington Management Company.
Born in 1944, Don’s career as a public school teacher lasted 5 years before he transitioned into the financial sector in the mid 1970's. He spent 10 years in the trust banking industry, providing estate planning and financial counseling to high net worth individuals and families. Prior to founding Kensington Management Company in 1987, Don spent three years as Vice President in charge of a highly successful Trust department. He was directly responsible for the development of new business, the estate settlement division, overall investment decisions, and trust operations. Don was securities licensed with Harvest Capital, LLC. as registered rep from 01/1/2001 to 06/01/2010.
Don holds a FINRA Series 7 General Securities license, a Series 24 Securities Principal license, a series 63 and 65. In addition, he is licensed in several states and with many companies for Life, Health & Accident, Variable Annuities, and REITs. He has been a Registered Representative of Cambridge Investment Research, Inc. since June 2010.
On 11/22/2004 a consent order alleged that from approximately June 2002 to September 2003, Don engaged in private securities transactions in violation of section 36b-31-6e of the regulations under the Connecticut uniform securities act. Don agreed to a consent order without an admission of guilt.
Tom is the Senior Investment Analyst of Kensington Management Company, a division of Northstar Financial Companies, Inc. He is responsible for the oversight of daily account management, the research and management of investment analysis, and the configuration and review of statistical models in the support of individual and 401K plan accounts.
Born in 1965, Tom is a graduate of Salve Regina College with concentrations in chemistry, biology and mathematics. He has also studied Finance through the Masters program at Western New England College.
His interest in analytics brought him into the financial services industry in 1997, when he joined Kensington Management Company. In 2003, while serving as an Investment Management Representative of Kensington, Tom became a Registered Representative of Harvest Capital, LLC.
In June of 2010, when the firm acquired the services of Kensington Management, Tom joined Northstar Financial Companies, Inc. as an Investment Adviser Representative to continue providing investment management for Kensington's, as well as Northstar's, clients. He also moved his securities Representative registration to Cambridge Investment Research, Inc. at that time.
Tom holds a Certified Fund Specialist (CFS) designation from The Institute of Business and Finance in La Jolla, CA, as well as a FINRA series 6 Investment Company Products and Variable Contracts license, a series 65 Uniform Investment Advisor Law license, a series 63 Uniform Securities Agent license and a series 62 Corporate Securities Limited Representative license. He also maintains a resident insurance license in the state of Connecticut and is licensed in several other states with multiple companies for life insurance, health insurance and variable annuities.
