North Planning

Who We Work With

Financial planning for young professionals

Start building strong habits now. The earlier you get organized, the more options you'll have later.

The decisions you make in your 20s and early 30s have an outsized impact on where you end up financially. Not because you need to have everything figured out — but because small, consistent moves made early compound into something significant. We help you figure out what those moves are.

Common challenges we help with

Student loan strategy

Whether to pay aggressively, refinance, or pursue forgiveness — the right answer depends on your income, loan type, and other goals. It's not one-size-fits-all.

Starting retirement savings on a real budget

You know you should contribute to a 401(k). But how much? Roth or traditional? And how do you do that when rent, loans, and life are all competing for the same money?

Building an emergency fund

The standard advice is 3–6 months of expenses. But where to keep it, how to build it without killing your other goals, and what exactly counts as an 'expense' — that's where most people get stuck.

Making sense of benefits

HSAs, FSAs, employer match, stock options, disability insurance — the gap between your paycheck and what you actually understand about your compensation can be significant.

How we help

We build a plan around where you actually are — not where the textbooks say a 28-year-old should be. That means looking at your real income, your actual debt, and the goals that matter to you, then figuring out what order to tackle things in.

Most people who come to us in their 20s leave with a clear priority list, a contribution plan they can actually follow, and less anxiety about whether they're doing it right.

Ready to see what your financial picture actually looks like?

Book a free 30-minute planning conversation. No obligation, no sales pitch.