# EDGAR Filing Document

**Accession Number:** 0002059828
**File Stem:** 0001765380-26-000147
**Filing Date:** 2026-5
**Character Count:** 14828
**Document Hash:** b98b8af0e6ac9a432186343e244e5dbc
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001765380-26-000147.hdr.sgml**: 20260505

**ACCESSION NUMBER**: 0001765380-26-000147

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20260331

**FILED AS OF DATE**: 20260505

**DATE AS OF CHANGE**: 20260505

**EFFECTIVENESS DATE**: 20260505

**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:** 26940689

**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:** 03-31-2026

**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

**CRD Number (if applicable):** 000119396

**SEC File Number (if applicable):** 801-115004

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:** Kevin Kim<br>**Title:** Chief Compliance Officer<br>**Phone:** 513-977-8615

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

Kevin Kim  Cincinnati, OH  05-05-2026<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:** 113

**Form 13F Information Table Value Total:** $125754474

      (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 |  | 604869 | 2781 | SH |  | SOLE |  | 0 | 0 | 2781 |
| AFLAC INC | COM | 001055102 |  | 954178 | 8697 | SH |  | SOLE |  | 200 | 0 | 8497 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 2544696 | 8871 | SH |  | SOLE |  | 200 | 0 | 8671 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 1225345 | 4261 | SH |  | SOLE |  | 0 | 0 | 4261 |
| ALTRIA GROUP INC | COM | 02209S103 |  | 634334 | 9613 | SH |  | SOLE |  | 0 | 0 | 9613 |
| AMAZON COM INC | COM | 023135106 |  | 2724003 | 13079 | SH |  | SOLE |  | 46 | 0 | 13033 |
| AMERICAN ELEC PWR CO INC | COM | 025537101 |  | 1853733 | 14142 | SH |  | SOLE |  | 86 | 0 | 14056 |
| APPLE INC | COM | 037833100 |  | 4688907 | 18476 | SH |  | SOLE |  | 150 | 0 | 18326 |
| ASTRAZENECA PLC | ORD | G0593M107 |  | 378465 | 1919 | SH |  | SOLE |  | 0 | 0 | 1919 |
| AT INC | COM | 00206R102 |  | 408019 | 14074 | SH |  | SOLE |  | 0 | 0 | 14074 |
| AT INC | COM | 00206R102 |  | 435 | 15 | SH |  | DFND |  | 0 | 0 | 15 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 325088 | 1600 | SH |  | SOLE |  | 0 | 0 | 1600 |
| BECTON DICKINSON  CO | COM | 075887109 |  | 246299 | 1566 | SH |  | SOLE |  | 50 | 0 | 1516 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1162539 | 2426 | SH |  | SOLE |  | 13 | 0 | 2413 |
| BLACKROCK CR ALLOCATION | COM | 092508100 |  | 131336 | 13004 | SH |  | SOLE |  | 0 | 0 | 13004 |
| BNY MELLON ETF TRUST II | MUNICIPAL INTER | 05613H704 |  | 317459 | 12163 | SH |  | SOLE |  | 12163 | 0 | 0 |
| BNY MELLON ETF TRUST II | MUN OPPTYS ETF | 05613H803 |  | 431025 | 17500 | SH |  | SOLE |  | 17500 | 0 | 0 |
| BP PLC | SPONSORED ADR | 055622104 |  | 856597 | 18225 | SH |  | SOLE |  | 0 | 0 | 18225 |
| BROADCOM INC | COM | 11135F101 |  | 624782 | 2019 | SH |  | SOLE |  | 0 | 0 | 2019 |
| CARRIER GLOBAL CORPORATION | COM | 14448C104 |  | 254156 | 4514 | SH |  | SOLE |  | 0 | 0 | 4514 |
| CATERPILLAR INC | COM | 149123101 |  | 860433 | 1215 | SH |  | SOLE |  | 115 | 0 | 1099 |
| CHEVRON CORPORATION | COM | 166764100 |  | 3738107 | 18067 | SH |  | SOLE |  | 108 | 0 | 17959 |
| CISCO SYS INC | COM | 17275R102 |  | 717714 | 9250 | SH |  | SOLE |  | 0 | 0 | 9250 |
| COCA COLA CO | COM | 191216100 |  | 397461 | 5226 | SH |  | SOLE |  | 0 | 0 | 5226 |
| COLGATE PALMOLIVE CO | COM | 194162103 |  | 310237 | 3640 | SH |  | SOLE |  | 0 | 0 | 3640 |
| CONSOLIDATED EDISON INC | COM | 209115104 |  | 940151 | 8307 | SH |  | SOLE |  | 0 | 0 | 8307 |
| CONSTELLATION ENERGY CORP | COM | 21037T109 |  | 987998 | 3538 | SH |  | SOLE |  | 24 | 0 | 3514 |
| COSTCO WHOLESALE CORPORATION | COM | 22160K105 |  | 1222620 | 1227 | SH |  | SOLE |  | 7 | 0 | 1220 |
| CUMMINS INC | COM | 231021106 |  | 207128 | 385 | SH |  | SOLE |  | 0 | 0 | 385 |
| DUKE ENERGY CORP NEW | COM NEW | 26441C204 |  | 804550 | 6144 | SH |  | SOLE |  | 245 | 0 | 5899 |
| EATON CORP PLC | SHS | G29183103 |  | 526295 | 1471 | SH |  | SOLE |  | 0 | 0 | 1471 |
| ELI LILLY  CO | COM | 532457108 |  | 1678553 | 1825 | SH |  | SOLE |  | 10 | 0 | 1815 |
| EMERSON ELEC CO | COM | 291011104 |  | 336852 | 2571 | SH |  | SOLE |  | 0 | 0 | 2571 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 3267826 | 19261 | SH |  | SOLE |  | 1280 | 0 | 17981 |
| FEDEX CORP | COM | 31428X106 |  | 226783 | 637 | SH |  | SOLE |  | 0 | 0 | 637 |
| FORD MTR CO | COM | 345370860 |  | 140820 | 12203 | SH |  | SOLE |  | 0 | 0 | 12203 |
| GE AEROSPACE | COM NEW | 369604301 |  | 276396 | 974 | SH |  | SOLE |  | 38 | 0 | 936 |
| GE VERNOVA INC | COM | 36828A101 |  | 262030 | 300 | SH |  | SOLE |  | 9 | 0 | 291 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 416129 | 492 | SH |  | SOLE |  | 0 | 0 | 492 |
| GSK PLC | SPONSORED ADR | 37733W204 |  | 327773 | 5939 | SH |  | SOLE |  | 0 | 0 | 5939 |
| HOME DEPOT INC | COM | 437076102 |  | 676982 | 2058 | SH |  | SOLE |  | 50 | 0 | 2008 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 561500 | 2317 | SH |  | SOLE |  | 0 | 0 | 2317 |
| INVESCO EXCHANGE TRADED FD T | S MDCP MOMNTUM | 46137V464 |  | 258604 | 1783 | SH |  | SOLE |  | 307 | 0 | 1476 |
| INVESCO EXCHANGE TRADED FD T | AEROSPACE DEFN | 46137V100 |  | 1560894 | 9420 | SH |  | SOLE |  | 61 | 0 | 9359 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 1200536 | 2080 | SH |  | SOLE |  | 50 | 0 | 2030 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 2820591 | 31994 | SH |  | SOLE |  | 152 | 0 | 31842 |
| ISHARES TR | CORE UNIVRSL USD | 46434V613 |  | 1103211 | 23884 | SH |  | SOLE |  | 28 | 0 | 23856 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 757427 | 1776 | SH |  | SOLE |  | 256 | 0 | 1520 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 1309219 | 9192 | SH |  | SOLE |  | 0 | 0 | 9192 |
| ISHARES TR | GLB CNSM STP ETF | 464288737 |  | 1570245 | 23433 | SH |  | SOLE |  | 147 | 0 | 23286 |
| ISHARES TR | U.S. INSRNCE ETF | 464288786 |  | 1832751 | 14286 | SH |  | SOLE |  | 101 | 0 | 14185 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 11857046 | 33254 | SH |  | SOLE |  | 1125 | 0 | 32129 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 393315 | 1586 | SH |  | SOLE |  | 0 | 0 | 1586 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 256954 | 2588 | SH |  | SOLE |  | 0 | 0 | 2588 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 214491 | 2014 | SH |  | SOLE |  | 2014 | 0 | 0 |
| ISHARES TR | RUS 2000 GRW ETF | 464287648 |  | 521238 | 1661 | SH |  | SOLE |  | 0 | 0 | 1661 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 532416 | 5016 | SH |  | SOLE |  | 1268 | 0 | 3748 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 225244 | 2319 | SH |  | SOLE |  | 0 | 0 | 2319 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 322155 | 2278 | SH |  | SOLE |  | 0 | 0 | 2278 |
| ISHARES TR | CORE S ETF | 464287200 |  | 264550 | 405 | SH |  | SOLE |  | 319 | 0 | 86 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 |  | 3079307 | 60844 | SH |  | SOLE |  | 1011 | 0 | 59833 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 2752306 | 11260 | SH |  | SOLE |  | 44 | 0 | 11216 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 1774204 | 6031 | SH |  | SOLE |  | 83 | 0 | 5948 |
| KRAFT HEINZ CO | COM | 500754106 |  | 327162 | 14547 | SH |  | SOLE |  | 0 | 0 | 14547 |
| L3HARRIS TECHNOLOGIES INC | COM | 502431109 |  | 445010 | 1289 | SH |  | SOLE |  | 0 | 0 | 1289 |
| MARSH  MCLENNAN COS INC | COM | 571748102 |  | 309955 | 1787 | SH |  | SOLE |  | 0 | 0 | 1787 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 913173 | 1828 | SH |  | SOLE |  | 0 | 0 | 1828 |
| META PLATFORMS INC | CL A | 30303M102 |  | 740995 | 1295 | SH |  | SOLE |  | 5 | 0 | 1290 |
| MFS MULTIMARKET INCOME TR | SH BEN INT | 552737108 |  | 243210 | 52643 | SH |  | SOLE |  | 0 | 0 | 52643 |
| MICRON TECHNOLOGY INC | COM | 595112103 |  | 1529441 | 4527 | SH |  | SOLE |  | 9 | 0 | 4518 |
| MICROSOFT CORP | COM | 594918104 |  | 3331785 | 9001 | SH |  | SOLE |  | 8 | 0 | 8993 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 1875619 | 20194 | SH |  | SOLE |  | 118 | 0 | 20076 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1999122 | 11463 | SH |  | SOLE |  | 39 | 0 | 11424 |
| OCCIDENTAL PETE CORP | COM | 674599105 |  | 226200 | 3480 | SH |  | SOLE |  | 0 | 0 | 3480 |
| ORACLE CORP | COM | 68389X105 |  | 283252 | 1925 | SH |  | SOLE |  | 0 | 0 | 1925 |
| PARKER-HANNIFIN CORP | COM | 701094104 |  | 325550 | 364 | SH |  | SOLE |  | 0 | 0 | 364 |
| PEPSICO INC | COM | 713448108 |  | 1240858 | 7991 | SH |  | SOLE |  | 0 | 0 | 7991 |
| PFIZER INC | COM | 717081103 |  | 494959 | 17627 | SH |  | SOLE |  | 0 | 0 | 17627 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 249506 | 1509 | SH |  | SOLE |  | 0 | 0 | 1509 |
| PROCTER  GAMBLE CO | COM | 742718109 |  | 587256 | 4066 | SH |  | SOLE |  | 0 | 0 | 4066 |
| PUTNAM MASTER INTER INCOME T | SH BEN INT | 746909100 |  | 48870 | 14945 | SH |  | SOLE |  | 0 | 0 | 14945 |
| QUALCOMM INC | COM | 747525103 |  | 574666 | 4462 | SH |  | SOLE |  | 0 | 0 | 4462 |
| ROYAL GOLD INC | COM | 780287108 |  | 239221 | 940 | SH |  | SOLE |  | 0 | 0 | 940 |
| RTX CORPORATION | COM | 75513E101 |  | 1414089 | 7331 | SH |  | SOLE |  | 0 | 0 | 7331 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 |  | 273369 | 11773 | SH |  | SOLE |  | 0 | 0 | 11773 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 501373 | 19975 | SH |  | SOLE |  | 6000 | 0 | 13975 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 867234 | 28267 | SH |  | SOLE |  | 8211 | 0 | 20056 |
| SELECT SECTOR SPDR TR | STATE STREET UTI | 81369Y886 |  | 239270 | 5214 | SH |  | SOLE |  | 0 | 0 | 5214 |
| SELECT SECTOR SPDR TR | STATE STREET CON | 81369Y407 |  | 243134 | 2231 | SH |  | SOLE |  | 0 | 0 | 2231 |
| SELECT SECTOR SPDR TR | STATE STREET IND | 81369Y704 |  | 316182 | 1955 | SH |  | SOLE |  | 0 | 0 | 1955 |
| SELECT SECTOR SPDR TR | STATE STREET CON | 81369Y308 |  | 351202 | 4284 | SH |  | SOLE |  | 0 | 0 | 4284 |
| SHELL PLC | SPON ADS | 780259305 |  | 227366 | 2445 | SH |  | SOLE |  | 0 | 0 | 2445 |
| SOUTHERN CO | COM | 842587107 |  | 725734 | 7519 | SH |  | SOLE |  | 0 | 0 | 7519 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A888 |  | 573366 | 5808 | SH |  | SOLE |  | 60 | 0 | 5748 |
| STATE STR SPDR S 500 ETF T | TR UNIT | 78462F103 |  | 230295 | 354 | SH |  | SOLE |  | 57 | 0 | 297 |
| UNION PAC CORP | COM | 907818108 |  | 335543 | 1383 | SH |  | SOLE |  | 0 | 0 | 1383 |
| UNITED PARCEL SVCS INC | CL B | 911312106 |  | 342559 | 3482 | SH |  | SOLE |  | 0 | 0 | 3482 |
| UNITED RENTALS INC | COM | 911363109 |  | 236540 | 325 | SH |  | SOLE |  | 0 | 0 | 325 |
| VANGUARD ADMIRAL FDS INC | 500 GRTH IDX F | 921932505 |  | 4736937 | 11619 | SH |  | SOLE |  | 346 | 0 | 11273 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 1397040 | 18101 | SH |  | SOLE |  | 636 | 0 | 17465 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 254868 | 3461 | SH |  | SOLE |  | 1756 | 0 | 1705 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 216727 | 496 | SH |  | SOLE |  | 0 | 0 | 496 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 2635519 | 10062 | SH |  | SOLE |  | 77 | 0 | 9985 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 489803 | 6522 | SH |  | SOLE |  | 202 | 0 | 6320 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 1153562 | 14552 | SH |  | SOLE |  | 624 | 0 | 13928 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 472254 | 5707 | SH |  | SOLE |  | 858 | 0 | 4849 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 212668 | 989 | SH |  | SOLE |  | 110 | 0 | 879 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 4115025 | 64217 | SH |  | SOLE |  | 3175 | 0 | 61042 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 876308 | 5917 | SH |  | SOLE |  | 534 | 0 | 5383 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 3436535 | 68457 | SH |  | SOLE |  | 224 | 0 | 68233 |
| VISA INC | COM CL A | 92826C839 |  | 7745188 | 25626 | SH |  | SOLE |  | 310 | 0 | 25316 |
| WELLS FARGO  CO | COM | 949746101 |  | 402667 | 5058 | SH |  | SOLE |  | 0 | 0 | 5058 |
| WINCHESTER BANCORP INC | COM | 97269D103 |  | 889000 | 70000 | SH |  | SOLE |  | 70000 | 0 | 0 |

---