Northstar Financial Advisors 1335 44th Avenue North, Myrtle Beach, SC 29577

"This guy advertises he charges no fees but fails to disclose what fees the annuity company charges. While he does not charge clients face-to-face time, he gets paid a commission for every annuity he sells to you. So, you really are paying him from the rider expenses they charge which nearly wipes out any interest you receive. In essence, the annuity fund is getting to use my money for free . From the annuity report I recently received and dated 10/31/23, Rider Charges were $2624.90 and Interest Credited $1514.73. A loss of $1110.17! In contrast, I earned 4.3% from my savings and more than 5% on brokerage. My worst financial decision ever was to buy this an annuity from good old Patrick. Every year has been losses or less than 1% interest."

"My advice everyone stay away from it,never do anything with it. Don’t get disappointment and filth from it. There was a much better human being in this world than that. It’s very important being good human beings in life & job in any situation and aspects- and that one is not."

"Have been dealing with Patrick soon after moving here to Longs S.C. in 2014. My Wife and I went to one of his Seminars and signed up for a consultation meetIng. Did not have a retirement as the company I had been with for close to 26 years downsized and in my early 60s. Did find the best job and worked for the greatest Boss I ever had for 7 years after. Much less pay but enjoyed it all. Anyways lost in the stock market a couple of time and had no income guarantee to get through retirement. Patrick reviewed what we had to work with and came up with recommendations that would give us an income to last our retirement years. Also during the time one plan had a Nursing Home Care rider which we have. There were no fees nor has there ever been since we have been working with him. Also there was never any pressure. I have to say that I have not had a worry about whether we will have enough to make it through our retirement since joining Northstar. It’s a great feeling. We would highly recommend at least meeting with him. There will be no pressure."

"As a retired person Northstar has given me the peace of mind I was looking for in my investments. Patrick Monro is on top of various companies out there that are presently giving the investor the best deal for their money. Between "my pillow" and Northstar I sleep like a baby with no worries about my investments."

"My wife and first got information from the NorthStar Financial booth at a trade show.. The woman we spoke with was very knowledgeable and answered our questions very confidently. We scheduled an appointment and met with Patrick Monroe and he provided some very good insight into the financial world.. He explained the different ways different investments work. I was very impressed at how he presented this information. We decided to hire him as our financial advisor and we haven’t looked back since. I can’t say enough for the job he does. And yes we are making money for our future. Thanks Patrick !! Jeff & Micheline Fornarotto"