# EDGAR Filing Document

**Accession Number:** 0000869304
**File Stem:** 0001172661-25-004516
**Filing Date:** 2025-10
**Character Count:** 10763
**Document Hash:** cec5bb132138cd038be2fabd6474dfe6
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001172661-25-004516.hdr.sgml**: 20251030

**ACCESSION NUMBER**: 0001172661-25-004516

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251030

**DATE AS OF CHANGE**: 20251030

**EFFECTIVENESS DATE**: 20251030

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** NORTHSTAR ASSET MANAGEMENT INC
- **CENTRAL INDEX KEY:** 0000869304

**ORGANIZATION NAME:**
- **EIN:** 043410187
- **STATE OF INCORPORATION:** MA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22854
- **FILM NUMBER:** 251434896

**BUSINESS ADDRESS:**
- **STREET 1:** PO BOX 301840
- **CITY:** BOSTON
- **STATE:** MA
- **ZIP:** 02130
- **BUSINESS PHONE:** 6175222635

**MAIL ADDRESS:**
- **STREET 1:** PO BOX 301840
- **CITY:** BOSTON
- **STATE:** MA
- **ZIP:** 02130

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** NORTHSTAR ASSET MANAGEMENT INC /ADV
- **DATE OF NAME CHANGE:** 20120411

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** GOODRIDGE JULIE N WENDRICH                              /ADV
- **DATE OF NAME CHANGE:** 19990204

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** WENDRICH JULIE NELL                                     /ADV
- **DATE OF NAME CHANGE:** 19970605

### 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 INC<br>**Address:** Po Box 301840<br>Boston, MA 02130

**Form 13F File Number:** 028-22854

**CRD Number (if applicable):** 000107138

**SEC File Number (if applicable):** 801-37897

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:** Michelle Graham<br>**Title:** Chief Operating Officer<br>**Phone:** 617-522-2635

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

/s/ Michelle Graham  Boston, MA  10-30-2025<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:** 70

**Form 13F Information Table Value Total:** $384611033

      (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 |  | 258862 | 1118 | SH |  | SOLE |  | 1118 | 0 | 0 |
| ADOBE INC | COM | 00724F101 |  | 4006535 | 11358 | SH |  | SOLE |  | 11358 | 0 | 0 |
| ALCON AG | ORD SHS | H01301128 |  | 4967135 | 66664 | SH |  | SOLE |  | 66664 | 0 | 0 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 992466 | 4075 | SH |  | SOLE |  | 4075 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 20603211 | 84752 | SH |  | SOLE |  | 84752 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 |  | 609965 | 2778 | SH |  | SOLE |  | 2778 | 0 | 0 |
| APPLE INC | COM | 037833100 |  | 20044474 | 78720 | SH |  | SOLE |  | 78720 | 0 | 0 |
| ARISTA NETWORKS INC | COM SHS | 040413205 |  | 3406846 | 23381 | SH |  | SOLE |  | 23381 | 0 | 0 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 16350592 | 55709 | SH |  | SOLE |  | 55709 | 0 | 0 |
| BADGER METER INC | COM | 056525108 |  | 4504681 | 25225 | SH |  | SOLE |  | 25225 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 2080841 | 4139 | SH |  | SOLE |  | 4139 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL A | 084670108 |  | 10558800 | 14 | SH |  | SOLE |  | 14 | 0 | 0 |
| BROADCOM INC | COM | 11135F101 |  | 277784 | 842 | SH |  | SOLE |  | 842 | 0 | 0 |
| BROADRIDGE FINL SOLUTIONS IN | COM | 11133T103 |  | 8342857 | 35029 | SH |  | SOLE |  | 35029 | 0 | 0 |
| CALIFORNIA WTR SVC GROUP | COM | 130788102 |  | 4866772 | 106053 | SH |  | SOLE |  | 106053 | 0 | 0 |
| CANADIAN NATL RY CO | COM | 136375102 |  | 9552873 | 101303 | SH |  | SOLE |  | 101303 | 0 | 0 |
| CISCO SYS INC | COM | 17275R102 |  | 687963 | 10055 | SH |  | SOLE |  | 10055 | 0 | 0 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 16338295 | 17651 | SH |  | SOLE |  | 17651 | 0 | 0 |
| DANAHER CORPORATION | COM | 235851102 |  | 6306254 | 31808 | SH |  | SOLE |  | 31808 | 0 | 0 |
| DATADOG INC | CL A COM | 23804L103 |  | 4062530 | 28529 | SH |  | SOLE |  | 28529 | 0 | 0 |
| DIGITAL RLTY TR INC | COM | 253868103 |  | 9585159 | 55444 | SH |  | SOLE |  | 55444 | 0 | 0 |
| EASTERN BANKSHARES INC | COM | 27627N105 |  | 7560727 | 416569 | SH |  | SOLE |  | 416569 | 0 | 0 |
| EATON CORP PLC | SHS | G29183103 |  | 13319932 | 35591 | SH |  | SOLE |  | 35591 | 0 | 0 |
| FEDEX CORP | COM | 31428X106 |  | 1322187 | 5607 | SH |  | SOLE |  | 5607 | 0 | 0 |
| GRAINGER W W INC | COM | 384802104 |  | 792863 | 832 | SH |  | SOLE |  | 832 | 0 | 0 |
| HOME DEPOT INC | COM | 437076102 |  | 11298318 | 27884 | SH |  | SOLE |  | 27884 | 0 | 0 |
| IDEX CORP | COM | 45167R104 |  | 6092107 | 37430 | SH |  | SOLE |  | 37430 | 0 | 0 |
| IDEXX LABS INC | COM | 45168D104 |  | 11859076 | 18562 | SH |  | SOLE |  | 18562 | 0 | 0 |
| ILLINOIS TOOL WKS INC | COM | 452308109 |  | 424257 | 1627 | SH |  | SOLE |  | 1627 | 0 | 0 |
| INTUIT | COM | 461202103 |  | 13936827 | 20408 | SH |  | SOLE |  | 20408 | 0 | 0 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 369161 | 1898 | SH |  | SOLE |  | 1898 | 0 | 0 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 360675 | 1747 | SH |  | SOLE |  | 1747 | 0 | 0 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 569118 | 1215 | SH |  | SOLE |  | 1215 | 0 | 0 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 309576 | 4564 | SH |  | SOLE |  | 4564 | 0 | 0 |
| ISHARES TR | ESG MSCI KLD 400 | 464288570 |  | 629372 | 4997 | SH |  | SOLE |  | 4997 | 0 | 0 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 241051 | 1184 | SH |  | SOLE |  | 1184 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 |  | 324611 | 485 | SH |  | SOLE |  | 485 | 0 | 0 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 222440 | 2000 | SH |  | SOLE |  | 2000 | 0 | 0 |
| ISHARES TR | S 100 ETF | 464287101 |  | 464977 | 1397 | SH |  | SOLE |  | 1397 | 0 | 0 |
| LINDE PLC | SHS | G54950103 |  | 15913925 | 33503 | SH |  | SOLE |  | 33503 | 0 | 0 |
| MCDONALDS CORP | COM | 580135101 |  | 430916 | 1418 | SH |  | SOLE |  | 1418 | 0 | 0 |
| META PLATFORMS INC | CL A | 30303M102 |  | 405378 | 552 | SH |  | SOLE |  | 552 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 22461938 | 43367 | SH |  | SOLE |  | 43367 | 0 | 0 |
| MIDDLESEX WTR CO | COM | 596680108 |  | 2803145 | 51795 | SH |  | SOLE |  | 51795 | 0 | 0 |
| NASDAQ INC | COM | 631103108 |  | 4576049 | 51736 | SH |  | SOLE |  | 51736 | 0 | 0 |
| NOVO-NORDISK A S | ADR | 670100205 |  | 12338091 | 222348 | SH |  | SOLE |  | 222348 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 2210973 | 11850 | SH |  | SOLE |  | 11850 | 0 | 0 |
| PAYPAL HLDGS INC | COM | 70450Y103 |  | 244031 | 3639 | SH |  | SOLE |  | 3639 | 0 | 0 |
| PEPSICO INC | COM | 713448108 |  | 442526 | 3151 | SH |  | SOLE |  | 3151 | 0 | 0 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 643947 | 4191 | SH |  | SOLE |  | 4191 | 0 | 0 |
| SALESFORCE INC | COM | 79466L302 |  | 7814127 | 32971 | SH |  | SOLE |  | 32971 | 0 | 0 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 233098 | 827 | SH |  | SOLE |  | 827 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 352409 | 529 | SH |  | SOLE |  | 529 | 0 | 0 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 |  | 272386 | 457 | SH |  | SOLE |  | 457 | 0 | 0 |
| SPROUTS FMRS MKT INC | COM | 85208M102 |  | 4506387 | 41419 | SH |  | SOLE |  | 41419 | 0 | 0 |
| STRYKER CORPORATION | COM | 863667101 |  | 15323931 | 41453 | SH |  | SOLE |  | 41453 | 0 | 0 |
| TELEDYNE TECHNOLOGIES INC | COM | 879360105 |  | 498720 | 851 | SH |  | SOLE |  | 851 | 0 | 0 |
| TESLA INC | COM | 88160R101 |  | 333095 | 749 | SH |  | SOLE |  | 749 | 0 | 0 |
| TILRAY BRANDS INC | COM | 88688T100 |  | 259303 | 149886 | SH |  | SOLE |  | 149886 | 0 | 0 |
| TJX COS INC NEW | COM | 872540109 |  | 16897160 | 116903 | SH |  | SOLE |  | 116903 | 0 | 0 |
| UNILEVER PLC | SPON ADR NEW | 904767704 |  | 15721115 | 265201 | SH |  | SOLE |  | 265201 | 0 | 0 |
| UNION PAC CORP | COM | 907818108 |  | 384101 | 1625 | SH |  | SOLE |  | 1625 | 0 | 0 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 6258524 | 10220 | SH |  | SOLE |  | 10220 | 0 | 0 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 327185 | 997 | SH |  | SOLE |  | 997 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 266132 | 4912 | SH |  | SOLE |  | 4912 | 0 | 0 |
| VERALTO CORP | COM SHS | 92338C103 |  | 8885837 | 83349 | SH |  | SOLE |  | 83349 | 0 | 0 |
| VERISK ANALYTICS INC | COM | 92345Y106 |  | 6993236 | 27805 | SH |  | SOLE |  | 27805 | 0 | 0 |
| WINMARK CORP | COM | 974250102 |  | 3931885 | 7899 | SH |  | SOLE |  | 7899 | 0 | 0 |
| XYLEM INC | COM | 98419M100 |  | 11851183 | 80347 | SH |  | SOLE |  | 80347 | 0 | 0 |
| ZOOM COMMUNICATIONS INC | CL A | 98980L101 |  | 2528130 | 30644 | SH |  | SOLE |  | 30644 | 0 | 0 |

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