N Financial Plans

N Financial Plans

Goldfarb founded the firm in 1995, operating initially as a registered investment advisor serving corporate executives and business owners in the New York metro area. Over three decades, the practice consolidated into a dedicated multi-family office for a stable client base of approximately thirty families — with wealth generated from operating-company exits, professional-services partnerships, and real estate holdings. The firm has never sought institutional outside capital, preserving a de facto single-decision-maker structure under Goldfarb as CIO. N Financial Plans deploys across three sleeves. The credit book — the largest allocation — targets floating-rate senior secured loans to lower-middle-market companies, frequently originated through regional banks and boutique debt funds. Real estate investments focus on multifamily and industrial assets in secondary Sunbelt markets, typically structured as LP equity alongside repeat operating partners. A smaller private equity allocation is limited to control buyouts of cash-flowing businesses under $10 million in EBITDA. Notable publicly cited transactions include a participation in a senior credit facility for a Midwest-based packaging manufacturer and a joint-venture equity investment in a Nashville apartment portfolio (per public record). The firm operates exclusively in North America, with a bias toward non-gateway markets where capital competition is thinner. Team size remains intentionally lean — Goldfarb leads a small internal staff supplemented by an external network of tax counsel, estate planners, and industry-specific operating advisors. In January 2024, the firm formalized a relationship with a third-party fund administrator to enhance LP reporting infrastructure as its co-investment activity scaled (per Altss estimate). There is no separate philanthropic foundation under the firm's umbrella; charitable giving is managed on an individual-family basis through donor-advised funds. Structurally, N Financial Plans operates as a hybrid: it maintains RIA registration for wealth management services while running investment activities through a series of deal-specific SPVs, avoiding a commingled fund structure. This architecture lets each family opt into or out of individual deals, preserving liquidity customization that a blind-pool fund cannot offer. Succession planning remains centralized in Goldfarb, with no publicly announced internal candidate or external transition mandate.