# EDGAR Filing Document

**Accession Number:** 0002059828
**File Stem:** 0001765380-25-000327
**Filing Date:** 2025-8
**Character Count:** 13297
**Document Hash:** 2c917e2a65a35afd1e927246ad0d149c
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001765380-25-000327.hdr.sgml**: 20250812

**ACCESSION NUMBER**: 0001765380-25-000327

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250812

**DATE AS OF CHANGE**: 20250812

**EFFECTIVENESS DATE**: 20250812

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Northstar Financial Companies, Inc.
- **CENTRAL INDEX KEY:** 0002059828

**ORGANIZATION NAME:**
- **EIN:** 412067237
- **STATE OF INCORPORATION:** PA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-25454
- **FILM NUMBER:** 251204322

**BUSINESS ADDRESS:**
- **STREET 1:** 1201 E. HECTOR STREET
- **CITY:** CONSHOHOCKEN
- **STATE:** PA
- **ZIP:** 19428
- **BUSINESS PHONE:** 8002202161

**MAIL ADDRESS:**
- **STREET 1:** 1201 E. HECTOR STREET
- **CITY:** CONSHOHOCKEN
- **STATE:** PA
- **ZIP:** 19428

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 06-30-2025

**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 Financial Companies Inc.<br>**Address:** 1201 E. HECTOR STREET<br>CONSHOHOCKEN, PA 19428

**Form 13F File Number:** 028-25454

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:** Keith Dwyer<br>**Title:** Chief Compliance Officer<br>**Phone:** 513-977-8196

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

Keith Dwyer  Cincinnati, OH  08-12-2025<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:** 100

**Form 13F Information Table Value Total:** $96182776

      (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 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 11785116 | 34706 | SH |  | SOLE |  | 0 | 0 | 34706 |
| VISA INC | COM CL A | 92826C839 |  | 8245879 | 23225 | SH |  | SOLE |  | 0 | 0 | 23225 |
| VANGUARD ADMIRAL FDS INC | 500 GRTH IDX F | 921932505 |  | 4757060 | 11996 | SH |  | SOLE |  | 0 | 0 | 11996 |
| APPLE INC | COM | 037833100 |  | 4687122 | 22845 | SH |  | SOLE |  | 0 | 0 | 22845 |
| MICROSOFT CORP | COM | 594918104 |  | 4361801 | 8769 | SH |  | SOLE |  | 0 | 0 | 8769 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 3909689 | 68579 | SH |  | SOLE |  | 0 | 0 | 68579 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 2670393 | 11268 | SH |  | SOLE |  | 0 | 0 | 11268 |
| AMAZON COM INC | COM | 023135106 |  | 2096533 | 9556 | SH |  | SOLE |  | 0 | 0 | 9556 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 1903925 | 44001 | SH |  | SOLE |  | 0 | 0 | 44001 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 1817369 | 13458 | SH |  | SOLE |  | 0 | 0 | 13458 |
| CHEVRON CORP NEW | COM | 166764100 |  | 1728688 | 12073 | SH |  | SOLE |  | 0 | 0 | 12073 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 1570224 | 8852 | SH |  | SOLE |  | 0 | 0 | 8852 |
| PEPSICO INC | COM | 713448108 |  | 1522512 | 11531 | SH |  | SOLE |  | 0 | 0 | 11531 |
| AFLAC INC | COM | 001055102 |  | 1390159 | 13182 | SH |  | SOLE |  | 0 | 0 | 13182 |
| RTX CORPORATION | COM | 75513E101 |  | 1249609 | 8558 | SH |  | SOLE |  | 0 | 0 | 8558 |
| BP PLC | SPONSORED ADR | 055622104 |  | 1221675 | 40818 | SH |  | SOLE |  | 0 | 0 | 40818 |
| CONSOLIDATED EDISON INC | COM | 209115104 |  | 1208797 | 12046 | SH |  | SOLE |  | 0 | 0 | 12046 |
| DUKE ENERGY CORP NEW | COM NEW | 26441C204 |  | 1190470 | 10089 | SH |  | SOLE |  | 0 | 0 | 10089 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 1182095 | 1194 | SH |  | SOLE |  | 0 | 0 | 1194 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 1154836 | 7560 | SH |  | SOLE |  | 0 | 0 | 7560 |
| SOUTHERN CO | COM | 842587107 |  | 1102878 | 12010 | SH |  | SOLE |  | 0 | 0 | 12010 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 1057971 | 1883 | SH |  | SOLE |  | 0 | 0 | 1883 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1052821 | 6664 | SH |  | SOLE |  | 0 | 0 | 6664 |
| ROYAL GOLD INC | COM | 780287108 |  | 957491 | 5384 | SH |  | SOLE |  | 0 | 0 | 5384 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 893331 | 1839 | SH |  | SOLE |  | 0 | 0 | 1839 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 877720 | 4981 | SH |  | SOLE |  | 0 | 0 | 4981 |
| QUALCOMM INC | COM | 747525103 |  | 789977 | 4960 | SH |  | SOLE |  | 0 | 0 | 4960 |
| HOME DEPOT INC | COM | 437076102 |  | 777809 | 2121 | SH |  | SOLE |  | 0 | 0 | 2121 |
| OCCIDENTAL PETE CORP | COM | 674599105 |  | 775631 | 18463 | SH |  | SOLE |  | 0 | 0 | 18463 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 756602 | 9517 | SH |  | SOLE |  | 0 | 0 | 9517 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 742873 | 9272 | SH |  | SOLE |  | 0 | 0 | 9272 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 702324 | 1273 | SH |  | SOLE |  | 0 | 0 | 1273 |
| CISCO SYS INC | COM | 17275R102 |  | 700295 | 10094 | SH |  | SOLE |  | 0 | 0 | 10094 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 687459 | 4315 | SH |  | SOLE |  | 0 | 0 | 4315 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 680161 | 2307 | SH |  | SOLE |  | 0 | 0 | 2307 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 665260 | 2295 | SH |  | SOLE |  | 0 | 0 | 2295 |
| L3HARRIS TECHNOLOGIES INC | COM | 502431109 |  | 647529 | 2581 | SH |  | SOLE |  | 0 | 0 | 2581 |
| PFIZER INC | COM | 717081103 |  | 616716 | 25442 | SH |  | SOLE |  | 0 | 0 | 25442 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 591672 | 6619 | SH |  | SOLE |  | 0 | 0 | 6619 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 583754 | 5415 | SH |  | SOLE |  | 0 | 0 | 5415 |
| EATON CORP PLC | SHS | G29183103 |  | 573488 | 1606 | SH |  | SOLE |  | 0 | 0 | 1606 |
| ALTRIA GROUP INC | COM | 02209S103 |  | 553299 | 9437 | SH |  | SOLE |  | 0 | 0 | 9437 |
| BECTON DICKINSON  CO | COM | 075887109 |  | 551890 | 3204 | SH |  | SOLE |  | 0 | 0 | 3204 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 |  | 549855 | 10850 | SH |  | SOLE |  | 0 | 0 | 10850 |
| META PLATFORMS INC | CL A | 30303M102 |  | 547060 | 741 | SH |  | SOLE |  | 0 | 0 | 741 |
| BROADCOM INC | COM | 11135F101 |  | 544855 | 1977 | SH |  | SOLE |  | 0 | 0 | 1977 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 543401 | 1762 | SH |  | SOLE |  | 0 | 0 | 1762 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 530734 | 20028 | SH |  | SOLE |  | 0 | 0 | 20028 |
| ABBVIE INC | COM | 00287Y109 |  | 529834 | 2854 | SH |  | SOLE |  | 0 | 0 | 2854 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 503696 | 2334 | SH |  | SOLE |  | 0 | 0 | 2334 |
| ISHARES TR | RUS 2000 GRW ETF | 464287648 |  | 485590 | 1699 | SH |  | SOLE |  | 0 | 0 | 1699 |
| CATERPILLAR INC | COM | 149123101 |  | 464418 | 1196 | SH |  | SOLE |  | 0 | 0 | 1196 |
| SELECT SECTOR SPDR TR | SBI CONS STPLS | 81369Y308 |  | 439181 | 5424 | SH |  | SOLE |  | 0 | 0 | 5424 |
| SHELL PLC | SPON ADS | 780259305 |  | 437191 | 6209 | SH |  | SOLE |  | 0 | 0 | 6209 |
| ORACLE CORP | COM | 68389X105 |  | 431431 | 1973 | SH |  | SOLE |  | 0 | 0 | 1973 |
| MARSH  MCLENNAN COS INC | COM | 571748102 |  | 424162 | 1940 | SH |  | SOLE |  | 0 | 0 | 1940 |
| SELECT SECTOR SPDR TR | INDL | 81369Y704 |  | 413941 | 2806 | SH |  | SOLE |  | 0 | 0 | 2806 |
| AT INC | COM | 00206R102 |  | 410190 | 14174 | SH |  | SOLE |  | 0 | 0 | 14174 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 409295 | 964 | SH |  | SOLE |  | 0 | 0 | 964 |
| VANECK MERK GOLD ETF | GOLD SHS | 921078101 |  | 405609 | 12719 | SH |  | SOLE |  | 0 | 0 | 12719 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 388853 | 549 | SH |  | SOLE |  | 0 | 0 | 549 |
| ONEOK INC NEW | COM | 682680103 |  | 384314 | 4708 | SH |  | SOLE |  | 0 | 0 | 4708 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 373707 | 4832 | SH |  | SOLE |  | 0 | 0 | 4832 |
| UGI CORP NEW | COM | 902681105 |  | 370724 | 10179 | SH |  | SOLE |  | 0 | 0 | 10179 |
| COCA COLA CO | COM | 191216100 |  | 369642 | 5225 | SH |  | SOLE |  | 0 | 0 | 5225 |
| MICRON TECHNOLOGY INC | COM | 595112103 |  | 360183 | 2922 | SH |  | SOLE |  | 0 | 0 | 2922 |
| FIDELITY COVINGTON TRUST | ENHANCED LARGE | 316092113 |  | 359731 | 10430 | SH |  | SOLE |  | 0 | 0 | 10430 |
| CARRIER GLOBAL CORPORATION | COM | 14448C104 |  | 358766 | 4902 | SH |  | SOLE |  | 0 | 0 | 4902 |
| UNION PAC CORP | COM | 907818108 |  | 353173 | 1535 | SH |  | SOLE |  | 0 | 0 | 1535 |
| EMERSON ELEC CO | COM | 291011104 |  | 342791 | 2571 | SH |  | SOLE |  | 0 | 0 | 2571 |
| COLGATE PALMOLIVE CO | COM | 194162103 |  | 330876 | 3640 | SH |  | SOLE |  | 0 | 0 | 3640 |
| STARBUCKS CORP | COM | 855244109 |  | 321828 | 3512 | SH |  | SOLE |  | 0 | 0 | 3512 |
| WISDOMTREE TR | US QTLY DIV GRT | 97717X669 |  | 320557 | 3828 | SH |  | SOLE |  | 0 | 0 | 3828 |
| ETFS GOLD TR | PHYSCL GOLD SHS | 00326A104 |  | 310890 | 9857 | SH |  | SOLE |  | 0 | 0 | 9857 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 308213 | 2278 | SH |  | SOLE |  | 0 | 0 | 2278 |
| SELECT SECTOR SPDR TR | SBI INT-UTILS | 81369Y886 |  | 296752 | 3634 | SH |  | SOLE |  | 0 | 0 | 3634 |
| ASTRAZENECA PLC | SPONSORED ADR | 046353108 |  | 294830 | 4219 | SH |  | SOLE |  | 0 | 0 | 4219 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 284084 | 3426 | SH |  | SOLE |  | 0 | 0 | 3426 |
| CHIPOTLE MEXICAN GRILL INC | COM | 169656105 |  | 280750 | 5000 | SH |  | SOLE |  | 0 | 0 | 5000 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 279400 | 1534 | SH |  | SOLE |  | 0 | 0 | 1534 |
| GE AEROSPACE | COM NEW | 369604301 |  | 275785 | 1071 | SH |  | SOLE |  | 0 | 0 | 1071 |
| PARKER-HANNIFIN CORP | COM | 701094104 |  | 275064 | 394 | SH |  | SOLE |  | 0 | 0 | 394 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 270159 | 1529 | SH |  | SOLE |  | 0 | 0 | 1529 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 263588 | 2657 | SH |  | SOLE |  | 0 | 0 | 2657 |
| ELI LILLY  CO | COM | 532457108 |  | 263481 | 338 | SH |  | SOLE |  | 0 | 0 | 338 |
| ENTERGY CORP NEW | COM | 29364G103 |  | 263158 | 3166 | SH |  | SOLE |  | 0 | 0 | 3166 |
| SELECT SECTOR SPDR TR | SBI CONS DISCR | 81369Y407 |  | 259492 | 1194 | SH |  | SOLE |  | 0 | 0 | 1194 |
| GSK PLC | SPONSORED ADR | 37733W204 |  | 258624 | 6735 | SH |  | SOLE |  | 0 | 0 | 6735 |
| MFS MULTIMARKET INCOME TR | SH BEN INT | 552737108 |  | 255954 | 54458 | SH |  | SOLE |  | 0 | 0 | 54458 |
| UNITED RENTALS INC | COM | 911363109 |  | 252841 | 336 | SH |  | SOLE |  | 0 | 0 | 336 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 243701 | 429 | SH |  | SOLE |  | 0 | 0 | 429 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 228412 | 370 | SH |  | SOLE |  | 0 | 0 | 370 |
| SELECT SECTOR SPDR TR | SBI HEALTHCARE | 81369Y209 |  | 221779 | 1645 | SH |  | SOLE |  | 0 | 0 | 1645 |
| FEDEX CORP | COM | 31428X106 |  | 213501 | 939 | SH |  | SOLE |  | 0 | 0 | 939 |
| ISHARES TR | 20 YR TR BD ETF | 464287432 |  | 211800 | 2400 | SH |  | SOLE |  | 0 | 0 | 2400 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 200562 | 1220 | SH |  | SOLE |  | 0 | 0 | 1220 |
| BLACKROCK CR ALLOCATION INCO | COM | 092508100 |  | 159613 | 14617 | SH |  | SOLE |  | 0 | 0 | 14617 |
| FORD MTR CO | COM | 345370860 |  | 143981 | 13270 | SH |  | SOLE |  | 0 | 0 | 13270 |
| NUVEEN PFD  INCOME OPPORTUN | COM | 67073B106 |  | 100050 | 12475 | SH |  | SOLE |  | 0 | 0 | 12475 |
| PUTNAM MASTER INTER INCOME T | SH BEN INT | 746909100 |  | 67821 | 20245 | SH |  | SOLE |  | 0 | 0 | 20245 |

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