# EDGAR Filing Document

**Accession Number:** 0002011587
**File Stem:** 0002011587-25-000003
**Filing Date:** 2025-11
**Character Count:** 14564
**Document Hash:** 31a0895849ea13121d2308d99c014d60
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002011587-25-000003.hdr.sgml**: 20251107

**ACCESSION NUMBER**: 0002011587-25-000003

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251107

**DATE AS OF CHANGE**: 20251106

**EFFECTIVENESS DATE**: 20251107

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** NorthStar Asset Management LLC /NJ/
- **CENTRAL INDEX KEY:** 0002011587

**ORGANIZATION NAME:**
- **EIN:** 134264898
- **STATE OF INCORPORATION:** NJ
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-23703
- **FILM NUMBER:** 251460190

**BUSINESS ADDRESS:**
- **STREET 1:** 200 CONNELL DRIVE, SUITE 1000
- **CITY:** BERKELEY HEIGHTS
- **STATE:** NJ
- **ZIP:** 07922
- **BUSINESS PHONE:** 908-850-9991

**MAIL ADDRESS:**
- **STREET 1:** 200 CONNELL DRIVE, SUITE 1000
- **CITY:** BERKELEY HEIGHTS
- **STATE:** NJ
- **ZIP:** 07922

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 09-30-2025

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** NorthStar Asset Management LLC /NJ/<br>**Address:** 200 CONNELL DRIVE SUITE 1000<br>BERKELEY HEIGHTS, NJ 07922

**Form 13F File Number:** 028-23703

**CRD Number (if applicable):** 000129112

**SEC File Number (if applicable):** 801-121388

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Andrew J. Peters<br>**Title:** Partner Chief Executive Officer<br>**Phone:** 908-850-9991

**Signature, Place, and Date of Signing:**

/s/Andrew J. Peters  Hackettstown, NJ  11-06-2025<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 99

**Form 13F Information Table Value Total:** $208803094

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| ABBVIE INC | COM | 00287Y109 | BBG0025Y4RZ3 | 914566 | 3950 | SH |  | SOLE |  | 3949 | 0 | 0 |
| ALLIANCEBERNSTEIN GLOBAL HIG | COM | 01879R106 | BBG001S6LJ53 | 198813 | 17735 | SH |  | SOLE |  | 17735 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 | BBG009S39JY5 | 1379206 | 5673 | SH |  | SOLE |  | 5673 | 0 | 0 |
| ALPHABET INC | CAP STK CL C | 02079K107 | BBG009S3NB21 | 3580747 | 14702 | SH |  | SOLE |  | 14702 | 0 | 0 |
| ALPS ETF TR | ALERIAN MLP | 00162Q452 | BBG001TBMNT5 | 515153 | 10977 | SH |  | SOLE |  | 10977 | 0 | 0 |
| ALTRIA GROUP INC | COM | 02209S103 | BBG001S5T8T5 | 845789 | 12803 | SH |  | SOLE |  | 12803 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 | BBG001S5PQL7 | 4283372 | 19508 | SH |  | SOLE |  | 19508 | 0 | 0 |
| AMERICAN CENTY ETF TR | AVANTIS EMGMKT | 025072604 | BBG00Q6ZDXT0 | 2946115 | 39224 | SH |  | SOLE |  | 39224 | 0 | 0 |
| AMERICAN EXPRESS CO | COM | 025816109 | BBG001S5P034 | 363053 | 1093 | SH |  | SOLE |  | 1093 | 0 | 0 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 7840353 | 30791 | SH |  | SOLE |  | 30791 | 0 | 0 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 | BBG001S82KF6 | 732492 | 2496 | SH |  | SOLE |  | 2495 | 0 | 0 |
| BANK AMERICA CORP | COM | 060505104 | BBG001S5P0Y0 | 377004 | 7308 | SH |  | SOLE |  | 7307 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | BBG001S90346 | 4588005 | 9126 | SH |  | SOLE |  | 9126 | 0 | 0 |
| BLACKSTONE INC | COM | 09260D107 | BBG001S7H949 | 586212 | 3431 | SH |  | SOLE |  | 3431 | 0 | 0 |
| BOOKING HOLDINGS INC | COM | 09857L108 | BBG001S89N72 | 243477 | 45 | SH |  | SOLE |  | 45 | 0 | 0 |
| BROADCOM INC | COM | 11135F101 | BBG00KHY5SY8 | 988827 | 2997 | SH |  | SOLE |  | 2997 | 0 | 0 |
| CATERPILLAR INC | COM | 149123101 | BBG001S5PJ06 | 549134 | 1151 | SH |  | SOLE |  | 1150 | 0 | 0 |
| CHEVRON CORP NEW | COM | 166764100 | BBG001S67ZC5 | 676434 | 4356 | SH |  | SOLE |  | 4355 | 0 | 0 |
| COSTCO WHSL CORP NEW | COM | 22160K105 | BBG001S9KRQ7 | 3567294 | 3854 | SH |  | SOLE |  | 3853 | 0 | 0 |
| CROWDSTRIKE HLDGS INC | CL A | 22788C105 | BBG00BLYKRZ7 | 237834 | 485 | SH |  | SOLE |  | 485 | 0 | 0 |
| DOMINION ENERGY INC | COM | 25746U109 | BBG001S5QCP3 | 274988 | 4495 | SH |  | SOLE |  | 4495 | 0 | 0 |
| DUKE ENERGY CORP NEW | COM NEW | 26441C204 | BBG001S5QNR7 | 349211 | 2822 | SH |  | SOLE |  | 2821 | 0 | 0 |
| DYNAMIX CORP | SHS CL A | G2949D104 | BBG01R5ZGB22 | 766301 | 73612 | SH |  | SOLE |  | 73612 | 0 | 0 |
| EATON VANCE TAX ADVT DIV INC | COM | 27828G107 | BBG001SBKCG6 | 221174 | 9046 | SH |  | SOLE |  | 9045 | 0 | 0 |
| ELI LILLY  CO | COM | 532457108 | BBG001S5STL8 | 1891028 | 2478 | SH |  | SOLE |  | 2478 | 0 | 0 |
| ENBRIDGE INC | COM | 29250N105 | BBG001S6Q6D7 | 425309 | 8429 | SH |  | SOLE |  | 8428 | 0 | 0 |
| EXXON MOBIL CORP | COM | 30231G102 | BBG001S69V32 | 666433 | 5911 | SH |  | SOLE |  | 5910 | 0 | 0 |
| FIDELITY WISE ORIGIN BITCOIN | SHS | 315948109 | BBG01KY66QQ1 | 371293 | 3720 | SH |  | SOLE |  | 3720 | 0 | 0 |
| GE AEROSPACE | COM NEW | 369604301 | BBG001S5PVD5 | 234797 | 781 | SH |  | SOLE |  | 780 | 0 | 0 |
| GE VERNOVA INC | COM | 36828A101 | BBG013G17W77 | 221979 | 361 | SH |  | SOLE |  | 361 | 0 | 0 |
| GOLDMAN SACHS ETF TR | ACCES TREASURY | 381430529 | BBG00DRGSD25 | 7191218 | 71747 | SH |  | SOLE |  | 71747 | 0 | 0 |
| GOLDMAN SACHS ETF TR | ACTIVEBETA US LG | 381430503 | BBG00B0SKXY1 | 21353136 | 163902 | SH |  | SOLE |  | 163901 | 0 | 0 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 | BBG001SC07Z6 | 486788 | 611 | SH |  | SOLE |  | 611 | 0 | 0 |
| HOME DEPOT INC | COM | 437076102 | BBG001S5RTW7 | 461046 | 1138 | SH |  | SOLE |  | 1137 | 0 | 0 |
| INTUIT | COM | 461202103 | BBG001S6TWR2 | 528608 | 774 | SH |  | SOLE |  | 774 | 0 | 0 |
| INTUITIVE SURGICAL INC | COM NEW | 46120E602 | BBG001S7XR78 | 247318 | 553 | SH |  | SOLE |  | 553 | 0 | 0 |
| INVESCO EXCH TRADED FD TR II | S INTL QULTY | 46138E214 | BBG001SS78M6 | 881490 | 26196 | SH |  | SOLE |  | 26195 | 0 | 0 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 | BBG001S9GN63 | 4203604 | 7002 | SH |  | SOLE |  | 7001 | 0 | 0 |
| IRON MTN INC DEL | COM | 46284V101 | BBG001SCQ2X1 | 511229 | 5015 | SH |  | SOLE |  | 5015 | 0 | 0 |
| ISHARES INC | JP MRG EM CRP BD | 464286251 | BBG002WGKJD6 | 3279923 | 70963 | SH |  | SOLE |  | 70963 | 0 | 0 |
| ISHARES TR | 0-5YR HI YL CP | 46434V407 | BBG005DW06B7 | 1218743 | 28146 | SH |  | SOLE |  | 28146 | 0 | 0 |
| ISHARES TR | CORE 80/20 AGGRE | 464289859 | BBG001T3YVL0 | 2223069 | 2194160 | SH |  | SOLE |  | 2194159 | 0 | 0 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 | BBG003H6TRS0 | 1106206 | 12670 | SH |  | SOLE |  | 12669 | 0 | 0 |
| ISHARES TR | CORE S US GWT | 464287671 | BBG001SFQL99 | 21391646 | 130009 | SH |  | SOLE |  | 130008 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 | BBG001SFB7R6 | 4798230 | 7169 | SH |  | SOLE |  | 7169 | 0 | 0 |
| ISHARES TR | EAFE SML CP ETF | 464288273 | BBG001SYVWS7 | 5223060 | 68080 | SH |  | SOLE |  | 68079 | 0 | 0 |
| ISHARES TR | ISHARES SEMICDTR | 464287523 | BBG001SJ8F58 | 1173892 | 4330 | SH |  | SOLE |  | 4329 | 0 | 0 |
| ISHARES TR | MORNINGSTAR VALU | 464288109 | BBG001SBRHX9 | 6129398 | 68089 | SH |  | SOLE |  | 68089 | 0 | 0 |
| ISHARES TR | MRGSTR SM CP GR | 464288604 | BBG001SBRKD4 | 5102028 | 93944 | SH |  | SOLE |  | 93944 | 0 | 0 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 | BBG001SZV978 | 450027 | 4226 | SH |  | SOLE |  | 4226 | 0 | 0 |
| ISHARES TR | S 500 GRWT ETF | 464287309 | BBG001S561Q8 | 241068 | 1997 | SH |  | SOLE |  | 1996 | 0 | 0 |
| JOHNSON  JOHNSON | COM | 478160104 | BBG001S5SHQ9 | 1134770 | 6120 | SH |  | SOLE |  | 6119 | 0 | 0 |
| JPMORGAN CHASE  CO. | COM | 46625H100 | BBG001S8CRC3 | 3057047 | 9692 | SH |  | SOLE |  | 9691 | 0 | 0 |
| LOWES COS INC | COM | 548661107 | BBG001S5SVL3 | 202807 | 807 | SH |  | SOLE |  | 807 | 0 | 0 |
| MARSH  MCLENNAN COS INC | COM | 571748102 | BBG001S5T7M4 | 1471342 | 7301 | SH |  | SOLE |  | 7300 | 0 | 0 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 | BBG001SKNNS6 | 723696 | 1272 | SH |  | SOLE |  | 1272 | 0 | 0 |
| MCDONALDS CORP | COM | 580135101 | BBG001S5T110 | 293112 | 965 | SH |  | SOLE |  | 964 | 0 | 0 |
| MERCADOLIBRE INC | COM | 58733R102 | BBG001SM32G3 | 306139 | 131 | SH |  | SOLE |  | 131 | 0 | 0 |
| META PLATFORMS INC | CL A | 30303M102 | BBG001SQCQC5 | 3364873 | 4582 | SH |  | SOLE |  | 4581 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 | BBG001S5TD05 | 4060259 | 7839 | SH |  | SOLE |  | 7839 | 0 | 0 |
| MONOLITHIC PWR SYS INC | COM | 609839105 | BBG001SDRGP6 | 370097 | 402 | SH |  | SOLE |  | 402 | 0 | 0 |
| NETFLIX INC | COM | 64110L106 | BBG001SF6L46 | 238585 | 199 | SH |  | SOLE |  | 199 | 0 | 0 |
| NEXTERA ENERGY INC | COM | 65339F101 | BBG001S5RB29 | 204696 | 2712 | SH |  | SOLE |  | 2711 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 | BBG001S5TZJ6 | 14961210 | 80187 | SH |  | SOLE |  | 80186 | 0 | 0 |
| ONEOK INC NEW | COM | 682680103 | BBG001S5TWK1 | 791946 | 10853 | SH |  | SOLE |  | 10853 | 0 | 0 |
| ORACLE CORP | COM | 68389X105 | BBG001S5SJG6 | 215967 | 768 | SH |  | SOLE |  | 767 | 0 | 0 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 | BBG001T53796 | 310479 | 1702 | SH |  | SOLE |  | 1702 | 0 | 0 |
| PALO ALTO NETWORKS INC | COM | 697435105 | BBG001T9NWN5 | 1797965 | 8830 | SH |  | SOLE |  | 8830 | 0 | 0 |
| PFIZER INC | COM | 717081103 | BBG001S5V466 | 227354 | 8923 | SH |  | SOLE |  | 8922 | 0 | 0 |
| PHILIP MORRIS INTL INC | COM | 718172109 | BBG001STP9N1 | 1308710 | 8068 | SH |  | SOLE |  | 8068 | 0 | 0 |
| PUBLIC SVC ENTERPRISE GRP IN | COM | 744573106 | BBG001S5V3C1 | 616136 | 7382 | SH |  | SOLE |  | 7382 | 0 | 0 |
| REALTY INCOME CORP | COM | 756109104 | BBG001S884K0 | 426054 | 7009 | SH |  | SOLE |  | 7008 | 0 | 0 |
| ROYCE SMALL CAP TRUST INC | COM | 780910105 | BBG001S5VTQ9 | 169580 | 10513 | SH |  | SOLE |  | 10513 | 0 | 0 |
| RTX CORPORATION | COM | 75513E101 | BBG001S5X5Q9 | 253778 | 1517 | SH |  | SOLE |  | 1516 | 0 | 0 |
| SALESFORCE INC | COM | 79466L302 | BBG001SDLP09 | 1490440 | 6289 | SH |  | SOLE |  | 6288 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 | BBG001T66WN0 | 894195 | 28022 | SH |  | SOLE |  | 28022 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 | BBG001T66WQ7 | 759192 | 26080 | SH |  | SOLE |  | 26080 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 | BBG001T5XQV6 | 208246 | 7906 | SH |  | SOLE |  | 7906 | 0 | 0 |
| SOUTHERN CO | COM | 842587107 | BBG001S5W777 | 342568 | 3615 | SH |  | SOLE |  | 3614 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 | BBG001S72SM3 | 2916724 | 4378 | SH |  | SOLE |  | 4378 | 0 | 0 |
| SPDR SERIES TRUST | PORTFLI HIGH YLD | 78468R606 | BBG0034VNBZ2 | 362115 | 15126 | SH |  | SOLE |  | 15125 | 0 | 0 |
| TESLA INC | COM | 88160R101 | BBG001SQKGD7 | 500310 | 1125 | SH |  | SOLE |  | 1125 | 0 | 0 |
| THE CIGNA GROUP | COM | 125523100 | BBG00KXRCDQ9 | 326322 | 1132 | SH |  | SOLE |  | 1132 | 0 | 0 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 | BBG001ST39Q2 | 466964 | 5918 | SH |  | SOLE |  | 5917 | 0 | 0 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 | BBG001SK7DK4 | 361922 | 4867 | SH |  | SOLE |  | 4866 | 0 | 0 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 | BBG004N1LGK2 | 289443 | 5852 | SH |  | SOLE |  | 5852 | 0 | 0 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 | BBG001SHTTS4 | 5038569 | 10506 | SH |  | SOLE |  | 10505 | 0 | 0 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 | BBG001SRN7S6 | 11884681 | 40453 | SH |  | SOLE |  | 40452 | 0 | 0 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 | BBG001SHVTR2 | 482201 | 2310 | SH |  | SOLE |  | 2310 | 0 | 0 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 | BBG001SHTTV0 | 1116835 | 4392 | SH |  | SOLE |  | 4392 | 0 | 0 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 | BBG001SHTTW9 | 1238246 | 4160 | SH |  | SOLE |  | 4160 | 0 | 0 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 | BBG001SHVR78 | 4244025 | 22757 | SH |  | SOLE |  | 22757 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 | BBG001SHTTZ6 | 984474 | 18170 | SH |  | SOLE |  | 18170 | 0 | 0 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 | BBG001SSPWL4 | 6914650 | 115398 | SH |  | SOLE |  | 115398 | 0 | 0 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 | BBG001S67QY1 | 427967 | 9738 | SH |  | SOLE |  | 9737 | 0 | 0 |
| VISA INC | COM CL A | 92826C839 | BBG001SRCFY3 | 1042784 | 3055 | SH |  | SOLE |  | 3054 | 0 | 0 |
| WALMART INC | COM | 931142103 | BBG001S5XH92 | 269955 | 2619 | SH |  | SOLE |  | 2619 | 0 | 0 |
| WILLIAMS COS INC | COM | 969457100 | BBG001S5XH10 | 464474 | 7332 | SH |  | SOLE |  | 7331 | 0 | 0 |
| WP CAREY INC | COM | 92936U109 | BBG001S67MM3 | 231070 | 3420 | SH |  | SOLE |  | 3419 | 0 | 0 |

---