Darby Affeldt

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Darby Affeldt Fee based financial advice and education to help individuals, practice and business owners reach their goals.

DVM, RICP, CPFA, Financial Advisor - Partner - North Star Resource Group

When it’s time to sell your business, retire, or both, will you feel confident in your strategy? Last minute planning in...
10/16/2026

When it’s time to sell your business, retire, or both, will you feel confident in your strategy? Last minute planning in the handful of years leading up to those transitions can only do so much – planning with a lengthier runway of years ahead of you has better odds to put you in position to make a comfortable transition. Without a sound strategy in place ahead of time, you might feel rushed, which could result in you having to make up for lost time in a pinch. Need help getting started on your exit plan? Reach out today, and we can work on a strategy that fits for your timeline and lifestyle preferences!

Tech literacy is important for everyone, but for small business owners, it means the world; protecting your digital acco...
10/15/2026

Tech literacy is important for everyone, but for small business owners, it means the world; protecting your digital accounting and asset management is the difference between sinking or swimming.

To help sure that your business is adequately safeguarded against online threats, take the time to revisit your passwords and set up protective features such as two-factor authentication on your most crucial services. Additionally, if you have concerns about the security of your assets, please reach out at any time – I’ll answer any questions you might have regarding the digital services that we work with.

Many people can account for what they spent last month, but can you explain what that spending was meant to accomplish? ...
10/14/2026

Many people can account for what they spent last month, but can you explain what that spending was meant to accomplish? Closing that gap has less to do with better tracking and more to do with a clearer sense of purpose behind the numbers.

Start by identifying two or three values you want your spending to reflect — family connection, education, or community impact, for example. From there, revisit recurring commitments: memberships, standing gifts, ongoing financial support. Some will still serve their original purpose. Others may simply have continued out of routine.

A financial professional can help translate these values into a structure that makes it easier to evaluate spending decisions against your broader plan, rather than case by case.

Is planning for retirement among rising costs, managing a family, and continuing to work beginning to overwhelm you? Don...
10/13/2026

Is planning for retirement among rising costs, managing a family, and continuing to work beginning to overwhelm you? Don’t worry – that’s natural. If you need assistance with your planning process or simply would like guidance on what to do next and how to get to your goals, don’t hesitate to reach out today! We can work together to tighten the screws on your retirement plan.

This year, October 12 is Indigenous Peoples Day in the United States. This federal holiday was first recognized in 1992 ...
10/12/2026

This year, October 12 is Indigenous Peoples Day in the United States. This federal holiday was first recognized in 1992 but was first formally recognized by the President in 2021. Join us as we honor the original inhabitants of the beautiful land of North America, whose culture and customs are still crucial in making up the nation as we know it today.

The month of November was declared to be National Native American Heritage month in 1994. This commemorative month aims ...
10/09/2026

The month of November was declared to be National Native American Heritage month in 1994. This commemorative month aims to provide a platform for Native people in the USA to share their culture and traditions that still make up part of the backbone of the nation. Join North Star as we celebrate this important holiday month!

If you are inching towards retirement or are already in the early goings of your golden years, you may be thinking about...
10/08/2026

If you are inching towards retirement or are already in the early goings of your golden years, you may be thinking about what you want your will to look like. Thinking about your estate is a necessary, if somewhat uncomfortable process that we all must take care of at one point or another, so it is best not to cloud the process with uncertainty. Being able to be fully transparent with your family members about your wishes and how you want your estate to be handled can go a long way to make the process smooth later. If you aren’t sure where to start, please reach out today and we can get to planning your estate precisely according to your wishes.
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Cetera Wealth Services, LLC exclusively provides investment products and services through its representatives. Although Cetera does not provide tax or legal advice, or supervise tax, accounting or legal services, Cetera representatives may offer these services through their independent outside business. This information is not intended as tax or legal advice.

Somewhere along the way, the question shifts from “can I afford this” to “does this actually matter to me.” That questio...
10/07/2026

Somewhere along the way, the question shifts from “can I afford this” to “does this actually matter to me.” That question gets more relevant as wealth grows. More resources tend to bring more requests, more opportunities, and more quiet pressure to spend in ways that don't necessarily trace back to your actual priorities. Left unexamined, spending can drift from purpose even when each individual decision seems reasonable at the time.

Alignment is the goal here. In other words, making sure the way money moves out of your life reflects your values, your family's priorities, and the legacy you're working to build. That shows up in three places most often: everyday spending, family gifting, and charitable giving. If you feel like you need to reassess your priorities, reach out to a financial advisor. Even if you feel like your current plan is on a good trajectory, a check-in every so often to look at where you’re at is always a good idea.

Each October, we take the time to celebrate National Women’s Small Business month! This is an opportunity to provide awa...
10/06/2026

Each October, we take the time to celebrate National Women’s Small Business month! This is an opportunity to provide awareness for business that are owned primarily by women so you can show some support for these amazing people within your local space. Use this month to learn more about your local small businesses and the community members who own them!

Did you know? October is National Disability Employment Awareness Month! This event began in 1945 as a weeklong national...
10/05/2026

Did you know? October is National Disability Employment Awareness Month! This event began in 1945 as a weeklong national observance of the contributions of people who live with disabilities in the workplace. Each year has a different theme, and 2026’s theme is “Celebrating Value and Talent” as we aim to recognize the skills and contributions that Americans with disabilities make to their communities and workplaces every day. If you live with a disability and are interested in insurance that could cover you in case you are rendered unable to work, please reach out to North Star Resource Group to get started.

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