Rachel DeCarolis
Northstar Financial Planning · Windham, New Hampshire
Rachel DeCarolis is a fee-only financial advisor at Northstar Financial Planning in Windham, New Hampshire, who holds the CDFA, CeFT and CFP credentials. Rachel charges a percentage of assets and an ongoing planning fee (ongoing planning from $7,500 a year and a $1,000,000 asset minimum) and focuses on divorce financial planning, retirement planning and estate & legacy planning.
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Specialties
Who they serve
- Retirees
- Pre-retirees
- Mid-life transitions
- Executives
- Divorced individuals
- Founders
Facts
| Firm | Northstar Financial Planning |
|---|---|
| Based in | Windham, New Hampshire |
| Fee model | Percentage of assets · Ongoing planning fee |
| Fees (firm's website) | Ongoing planning from $7,500 a year · A $1,000,000 asset minimum |
| Accepting new clients | Yes |
| Assets under management | $275.8M across 486 accounts |
| Credentials | CDFA · CeFT · CFP · MBA · RLP |
| SEC registration | Investment adviser representative in NH · CRD 6482778 |
| Exams passed | Series 65 (2015) |
| Firm size | 6 employees |
| Disclosures | None reported |
| Website | northstarfp.com |
| Profile |
How Rachel's firm compares
- Ongoing planning starts at $7,500 a year, above the US median of $4,500 for fee-only firms that publish prices.
- Northstar Financial Planning's average account is about $567,000, from its Form ADV (assets managed divided by 486 accounts).
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Questions about Rachel
Is Rachel DeCarolis a fee-only financial advisor?
Yes. Rachel DeCarolis is listed in the NAPFA directory (NAPFA admits only fee-only advisors). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Rachel's firm.
How does Rachel charge for financial advice?
Rachel charges a percentage of assets and an ongoing planning fee.
How much does Rachel charge?
According to Northstar Financial Planning's website, checked October 28, 2026: ongoing planning from $7,500 a year; a $1,000,000 asset minimum.
Where is Rachel DeCarolis based?
Rachel DeCarolis is based in Windham, New Hampshire.
What does Rachel specialize in?
Rachel's specialties include divorce financial planning, retirement planning, estate & legacy planning, tax planning and small business owners. Rachel works with retirees, pre-retirees, mid-life transitions, executives and divorced individuals.
What credentials does Rachel DeCarolis hold?
Rachel DeCarolis holds the CDFA, CeFT, CFP, MBA and RLP credentials.
Is Rachel DeCarolis registered with the SEC?
Yes. Rachel DeCarolis is registered as an investment adviser representative in NH (CRD 6482778), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.
How much does Northstar Financial Planning manage?
Northstar Financial Planning reports $275.8M across 486 accounts in assets under management.
How do I contact Rachel DeCarolis?
Through Rachel's website, northstarfp.com.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Where this information comes from
- NAPFA directory listing : NAPFA admits only fee-only advisors
- Northstar Financial Planning website : specialties, clients served, and fees, checked October 28, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 27, 2026
- Directory listing last checked April 21, 2026.
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