Northstar Investment Advisory LLC (“Northstar” or “Adviser” or the “Firm”) is an SEC-registered investment adviser founded in June 2021. Northstar provides financial planning and investment allocation services to employees of employer clients and individuals, including online tools and digital content geared towards personal finance management. Northstar offers services on both a retail basis (“Retail Model”), whereby Clients (individually, the “Client”) pay fees directly to Northstar, and on an employer basis (“Employer Model”), whereby a third-party entity(ies) pay all of the fees on behalf of a Client and the Client pays the balance of the fees. Employer Model: The Employer Model consists of the delivery of personalized financial planning services to employees of the Employer Client. Each client is paired with a Certified Financial Planner™ or Licensed Financial Planner to discuss their current financial situation, employer benefits, and financial goals. Northstar may advise a Client on his/her 401(k) investments or Equity programs such as ESPP plans, RSU’s, or stock options. The firms investment advice is limited to portfolio fund optimization recommendations and asset allocation. The purpose of Northstar’s platform is to provide tailored and specific financial planning and investment allocation advice guidance to Clients as part of the overall financial wellbeing tools and information provided on the web-based platform offered by Northstar’s parent company Watt, Inc. which does business under the name Northstar (as distinct from Northstar Investment Advisory LLC). Clients complete a financial questionnaire prior to services being rendered and the assigned Northstar Planner will also gather additional information from the client where needed to provide financial advice in a fiduciary capacity to the client and Clients may be required to update information if it becomes outdated. Northstar collects this information to make recommendations about employer benefits, insurance products, budgeting, debt management, investment allocations, retirement planning, and employer compensation.

Northstar focuses on a program that includes different deliverables, such as personal financial management services and speaking with their planner via chat, phone/video calls, or email. The combination of Deliverables constitutes a financial plan. Users are defined as existing Client employees who have provided to Northstar appropriate baseline information and have entered into all agreements required for the provision of Services. Each User is required to complete a financial questionnaire (“Questionnaire”) prior to any Services being rendered and, periodically, Users may be required to complete additional Questionnaires if financial information becomes outdated. Northstar focuses on a program that will include different Deliverables such as personal financial management services that include a budgeting service. Northstar also offers personalized financial advice from a Certified Financial Planner ™ (each, an “Expert”). The combination of the Deliverables constitutes a financial plan. Retail Model: The Retail Model consists of the delivery of personalized financial planning services to individual Clients. Clients will be asked to provide to Northstar appropriate baseline information and have entered into all agreements required for the provision of Services. Each Client is required to complete a financial questionnaire (“Questionnaire”) prior to any Services being rendered and, periodically, Clients may be required to complete additional Questionnaires if financial information becomes outdated. Northstar focuses on a program that will include different Deliverables such as personal financial management services that include a budgeting service. Northstar also offers personalized financial advice from a Certified Financial Planner™. The combination of the Deliverables constitutes a financial plan. Northstar does not manage Client assets on a discretionary basis. Presently, the Firm does not provide advice with respect to specific securities investments, though it may recommend asset class allocation across investment accounts depending on each Client’s individual goals.