Fee-Only Financial Planning for Deerfield Families

Deerfield is a close-knit community where families tend to put down roots and stay. The residents here have built meaningful wealth over careers and lifetimes, and they take a thoughtful, long-term approach to managing it. At Moonstone Asset Management, Inc., we work with Deerfield families who want a financial adviser with no conflicts, no commissions, and no agenda other than their financial wellbeing.

What fee-only means in practice

Most financial advisors are compensated, at least in part, through commissions on the products they sell. That creates a conflict of interest — even when the advisor has good intentions.

Fee-only means our only compensation comes directly from our clients. No commissions. No proprietary products. No revenue from third parties. Our only obligation is to the families we serve.

That structure is less common than most people realize. For Deerfield families who value transparency and straight answers, it's the only model that makes sense.

What we do for Deerfield clients

We provide comprehensive wealth management for families approaching or in retirement, business owners planning an exit or transition, and individuals navigating significant life changes — the sale of a business, an inheritance, the loss of a spouse, or a career transition.

Our work goes well beyond portfolio management. We integrate investment strategy, tax efficiency, estate planning considerations, and long-term income planning into a single coherent picture. We coordinate with your CPA and estate attorney so the pieces fit together and nothing gets missed.

Independent and conflict-free

Moonstone is an independent registered investment adviser. We're not affiliated with a broker-dealer, a bank, or a national advisory platform. We don't have a home office telling us which products to recommend or which funds to use.

Every recommendation we make is guided by one question: what is right for this client?

For Deerfield families who have spent decades building what they have, that independence isn't a feature. It's a requirement.

Rooted in the North Shore

We're based in Northbrook, just minutes from Deerfield, and our practice is built around the North Shore community. We work with families throughout the area — Deerfield, Highland Park, Winnetka, Glencoe, Lake Forest, Northbrook, and beyond. Many of our client relationships span years and generations. That continuity is part of how we do our best work.

Karen Natkin, Founder & Principal

Moonstone was founded by Karen Natkin, an independent fiduciary adviser who has spent her career helping North Shore families make better financial decisions. Karen is deeply connected to this community — both professionally and personally — and that connection shapes how she works and who she works with.

Ready to talk?

If you're a Deerfield family looking for a fee-only fiduciary adviser, we'd welcome a conversation. We offer a complimentary introduction — no pressure, no obligation, just a straightforward discussion about whether we're the right fit.