# EDGAR Filing Document

**Accession Number:** 0002059828
**File Stem:** 0002059828-26-000001
**Filing Date:** 2026-2
**Character Count:** 14713
**Document Hash:** 65e61c880e3751564098930b128efebe
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002059828-26-000001.hdr.sgml**: 20260209

**ACCESSION NUMBER**: 0002059828-26-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260209

**DATE AS OF CHANGE**: 20260209

**EFFECTIVENESS DATE**: 20260209

**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:** 26610610

**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:** 12-31-2025

**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  02-09-2026<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:** $125368171

      (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 |  | 12584181 | 33698 | SH |  | SOLE |  | 0 | 0 | 33005 |
| VISA INC | COM CL A | 92826C839 |  | 8733719 | 24903 | SH |  | SOLE |  | 0 | 0 | 24645 |
| APPLE INC | COM | 037833100 |  | 6194141 | 22784 | SH |  | SOLE |  | 0 | 0 | 21481 |
| VANGUARD ADMIRAL FDS INC | 500 GRTH IDX F | 921932505 |  | 5165590 | 11619 | SH |  | SOLE |  | 0 | 0 | 11273 |
| MICROSOFT CORP | COM | 594918104 |  | 4730173 | 9781 | SH |  | SOLE |  | 0 | 0 | 9261 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 4205855 | 67326 | SH |  | SOLE |  | 0 | 0 | 64151 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 2825186 | 9003 | SH |  | SOLE |  | 0 | 0 | 8990 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 2730676 | 10586 | SH |  | SOLE |  | 0 | 0 | 10509 |
| AMAZON COM INC | COM | 023135106 |  | 2703408 | 11712 | SH |  | SOLE |  | 0 | 0 | 11251 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 2572521 | 31693 | SH |  | SOLE |  | 0 | 0 | 31693 |
| CHEVRON CORP NEW | COM | 166764100 |  | 2568962 | 16856 | SH |  | SOLE |  | 0 | 0 | 16759 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 2550692 | 62624 | SH |  | SOLE |  | 0 | 0 | 62419 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 2245503 | 10850 | SH |  | SOLE |  | 0 | 0 | 10738 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 2231452 | 11965 | SH |  | SOLE |  | 0 | 0 | 10597 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 1819655 | 15121 | SH |  | SOLE |  | 0 | 0 | 13689 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 |  | 1740773 | 34409 | SH |  | SOLE |  | 0 | 0 | 34409 |
| RTX CORPORATION | COM | 75513E101 |  | 1692159 | 9227 | SH |  | SOLE |  | 0 | 0 | 9134 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 1663947 | 5316 | SH |  | SOLE |  | 0 | 0 | 4385 |
| PEPSICO INC | COM | 713448108 |  | 1651240 | 11505 | SH |  | SOLE |  | 0 | 0 | 11450 |
| MICRON TECHNOLOGY INC | COM | 595112103 |  | 1620431 | 5678 | SH |  | SOLE |  | 0 | 0 | 5541 |
| ELI LILLY  CO | COM | 532457108 |  | 1590432 | 1480 | SH |  | SOLE |  | 0 | 0 | 1436 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 1528591 | 4744 | SH |  | SOLE |  | 0 | 0 | 4432 |
| AFLAC INC | COM | 001055102 |  | 1489314 | 13506 | SH |  | SOLE |  | 0 | 0 | 13490 |
| CONSOLIDATED EDISON INC | COM | 209115104 |  | 1380130 | 13896 | SH |  | SOLE |  | 0 | 0 | 13881 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 1366760 | 9192 | SH |  | SOLE |  | 0 | 0 | 9192 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 1309212 | 16811 | SH |  | SOLE |  | 0 | 0 | 16175 |
| BROADCOM INC | COM | 11135F101 |  | 1290036 | 3727 | SH |  | SOLE |  | 0 | 0 | 3493 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 1262079 | 2054 | SH |  | SOLE |  | 0 | 0 | 1994 |
| DUKE ENERGY CORP NEW | COM NEW | 26441C204 |  | 1195195 | 10197 | SH |  | SOLE |  | 0 | 0 | 9892 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 1110064 | 13923 | SH |  | SOLE |  | 0 | 0 | 13299 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 1097635 | 1923 | SH |  | SOLE |  | 0 | 0 | 1825 |
| BP PLC | SPONSORED ADR | 055622104 |  | 1080210 | 31103 | SH |  | SOLE |  | 0 | 0 | 31103 |
| SOUTHERN CO | COM | 842587107 |  | 1037070 | 11893 | SH |  | SOLE |  | 0 | 0 | 11864 |
| ISHARES TR | U.S. INSRNCE ETF | 464288786 |  | 938482 | 6893 | SH |  | SOLE |  | 0 | 0 | 6893 |
| INVESCO EXCHANGE TRADED FD T | AEROSPACE DEFN | 46137V100 |  | 929756 | 5936 | SH |  | SOLE |  | 0 | 0 | 5936 |
| ISHARES TR | GLB CNSM STP ETF | 464288737 |  | 928115 | 14356 | SH |  | SOLE |  | 0 | 0 | 14356 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 909813 | 11333 | SH |  | SOLE |  | 0 | 0 | 11217 |
| AMERICAN ELEC PWR CO INC | COM | 025537101 |  | 896074 | 7771 | SH |  | SOLE |  | 0 | 0 | 7732 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 846965 | 1685 | SH |  | SOLE |  | 0 | 0 | 1520 |
| QUALCOMM INC | COM | 747525103 |  | 778570 | 4552 | SH |  | SOLE |  | 0 | 0 | 4500 |
| CONSTELLATION ENERGY CORP | COM | 21037T109 |  | 774090 | 2191 | SH |  | SOLE |  | 0 | 0 | 2080 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 770932 | 894 | SH |  | SOLE |  | 0 | 0 | 867 |
| L3HARRIS TECHNOLOGIES INC | COM | 502431109 |  | 755181 | 2572 | SH |  | SOLE |  | 0 | 0 | 2560 |
| HOME DEPOT INC | COM | 437076102 |  | 744737 | 2164 | SH |  | SOLE |  | 0 | 0 | 2048 |
| CISCO SYS INC | COM | 17275R102 |  | 743177 | 9648 | SH |  | SOLE |  | 0 | 0 | 9475 |
| ISHARES TR | CORE S ETF | 464287200 |  | 735626 | 1074 | SH |  | SOLE |  | 0 | 0 | 189 |
| WINCHESTER BANCORP INC | COM | 97269D103 |  | 731500 | 70000 | SH |  | SOLE |  | 0 | 0 | 0 |
| META PLATFORMS INC | CL A | 30303M102 |  | 708151 | 1073 | SH |  | SOLE |  | 0 | 0 | 959 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 702076 | 2370 | SH |  | SOLE |  | 0 | 0 | 2313 |
| CATERPILLAR INC | COM | 149123101 |  | 700464 | 1223 | SH |  | SOLE |  | 0 | 0 | 1199 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 671341 | 2727 | SH |  | SOLE |  | 0 | 0 | 1577 |
| ABBVIE INC | COM | 00287Y109 |  | 659550 | 2887 | SH |  | SOLE |  | 0 | 0 | 2781 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 646435 | 9794 | SH |  | SOLE |  | 0 | 0 | 1444 |
| ALTRIA GROUP INC | COM | 02209S103 |  | 609767 | 10575 | SH |  | SOLE |  | 0 | 0 | 10469 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 594196 | 4146 | SH |  | SOLE |  | 0 | 0 | 4098 |
| PFIZER INC | COM | 717081103 |  | 592054 | 23777 | SH |  | SOLE |  | 0 | 0 | 23619 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 558723 | 3893 | SH |  | SOLE |  | 0 | 0 | 3893 |
| ISHARES TR | RUS 2000 GRW ETF | 464287648 |  | 536520 | 1661 | SH |  | SOLE |  | 0 | 0 | 1661 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 520504 | 18976 | SH |  | SOLE |  | 0 | 0 | 18976 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 513375 | 4793 | SH |  | SOLE |  | 0 | 0 | 3525 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 505933 | 5255 | SH |  | SOLE |  | 0 | 0 | 1845 |
| EATON CORP PLC | SHS | G29183103 |  | 503390 | 1580 | SH |  | SOLE |  | 0 | 0 | 1543 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 489114 | 5248 | SH |  | SOLE |  | 0 | 0 | 5058 |
| BECTON DICKINSON  CO | COM | 075887109 |  | 475964 | 2453 | SH |  | SOLE |  | 0 | 0 | 2446 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 460014 | 523 | SH |  | SOLE |  | 0 | 0 | 508 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 426745 | 1659 | SH |  | SOLE |  | 0 | 0 | 1638 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 424040 | 4740 | SH |  | SOLE |  | 0 | 0 | 400 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 414042 | 5629 | SH |  | SOLE |  | 0 | 0 | 5629 |
| COCA COLA CO | COM | 191216100 |  | 383478 | 5485 | SH |  | SOLE |  | 0 | 0 | 5226 |
| ORACLE CORP | COM | 68389X105 |  | 380219 | 1951 | SH |  | SOLE |  | 0 | 0 | 1861 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 366564 | 13975 | SH |  | SOLE |  | 0 | 0 | 13975 |
| MARSH  MCLENNAN COS INC | COM | 571748102 |  | 362460 | 1954 | SH |  | SOLE |  | 0 | 0 | 1787 |
| SELECT SECTOR SPDR TR | STATE STREET CON | 81369Y308 |  | 361911 | 4659 | SH |  | SOLE |  | 0 | 0 | 4284 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 360756 | 3757 | SH |  | SOLE |  | 0 | 0 | 2319 |
| TESLA INC | COM | 88160R101 |  | 358427 | 797 | SH |  | SOLE |  | 0 | 0 | 659 |
| AT INC | COM | 00206R102 |  | 357351 | 14386 | SH |  | SOLE |  | 0 | 0 | 14013 |
| KRAFT HEINZ CO | COM | 500754106 |  | 355481 | 14659 | SH |  | SOLE |  | 0 | 0 | 14659 |
| SELECT SECTOR SPDR TR | STATE STREET IND | 81369Y704 |  | 354000 | 2282 | SH |  | SOLE |  | 0 | 0 | 1955 |
| ASTRAZENECA PLC | SPONSORED ADR | 046353108 |  | 353153 | 3842 | SH |  | SOLE |  | 0 | 0 | 3842 |
| GE AEROSPACE | COM NEW | 369604301 |  | 352172 | 1143 | SH |  | SOLE |  | 0 | 0 | 935 |
| UNITED PARCEL SERVICE INC | CL B | 911312106 |  | 348554 | 3514 | SH |  | SOLE |  | 0 | 0 | 3506 |
| WISDOMTREE TR | US QTLY DIV GRT | 97717X669 |  | 344418 | 3851 | SH |  | SOLE |  | 0 | 0 | 0 |
| EMERSON ELEC CO | COM | 291011104 |  | 343081 | 2585 | SH |  | SOLE |  | 0 | 0 | 2571 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 339376 | 2278 | SH |  | SOLE |  | 0 | 0 | 2278 |
| UNION PAC CORP | COM | 907818108 |  | 328706 | 1421 | SH |  | SOLE |  | 0 | 0 | 1399 |
| OCCIDENTAL PETE CORP | COM | 674599105 |  | 324108 | 7882 | SH |  | SOLE |  | 0 | 0 | 7817 |
| PARKER-HANNIFIN CORP | COM | 701094104 |  | 322689 | 367 | SH |  | SOLE |  | 0 | 0 | 363 |
| GSK PLC | SPONSORED ADR | 37733W204 |  | 305961 | 6239 | SH |  | SOLE |  | 0 | 0 | 6239 |
| COLGATE PALMOLIVE CO | COM | 194162103 |  | 289371 | 3662 | SH |  | SOLE |  | 0 | 0 | 3640 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 286928 | 3426 | SH |  | SOLE |  | 0 | 0 | 3426 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 286870 | 606 | SH |  | SOLE |  | 0 | 0 | 606 |
| ROYAL GOLD INC | COM | 780287108 |  | 283197 | 1274 | SH |  | SOLE |  | 0 | 0 | 1274 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 |  | 275135 | 11773 | SH |  | SOLE |  | 0 | 0 | 11773 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 269766 | 553 | SH |  | SOLE |  | 0 | 0 | 553 |
| SELECT SECTOR SPDR TR | STATE STREET CON | 81369Y407 |  | 266284 | 2230 | SH |  | SOLE |  | 0 | 0 | 2230 |
| UNITED RENTALS INC | COM | 911363109 |  | 265687 | 328 | SH |  | SOLE |  | 0 | 0 | 324 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 258417 | 2587 | SH |  | SOLE |  | 0 | 0 | 2587 |
| ISHARES TR | CORE UNIVRSL USD | 46434V613 |  | 257615 | 5535 | SH |  | SOLE |  | 0 | 0 | 5535 |
| INVESCO EXCHANGE TRADED FD T | S MDCP MOMNTUM | 46137V464 |  | 255203 | 1843 | SH |  | SOLE |  | 0 | 0 | 1467 |
| MFS MULTIMARKET INCOME TR | SH BEN INT | 552737108 |  | 252978 | 54404 | SH |  | SOLE |  | 0 | 0 | 54404 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 252795 | 1576 | SH |  | SOLE |  | 0 | 0 | 1499 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 248680 | 2069 | SH |  | SOLE |  | 0 | 0 | 569 |
| WALMART INC | COM | 931142103 |  | 248669 | 2232 | SH |  | SOLE |  | 0 | 0 | 1830 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 241109 | 354 | SH |  | SOLE |  | 0 | 0 | 297 |
| CARRIER GLOBAL CORPORATION | COM | 14448C104 |  | 238645 | 4516 | SH |  | SOLE |  | 0 | 0 | 4501 |
| SELECT SECTOR SPDR TR | STATE STREET UTI | 81369Y886 |  | 226769 | 5312 | SH |  | SOLE |  | 0 | 0 | 5312 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 217335 | 989 | SH |  | SOLE |  | 0 | 0 | 879 |
| MEDTRONIC PLC | SHS | G5960L103 |  | 217096 | 2260 | SH |  | SOLE |  | 0 | 0 | 2213 |
| CROWDSTRIKE HLDGS INC | CL A | 22788C105 |  | 215224 | 459 | SH |  | SOLE |  | 0 | 0 | 447 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 215040 | 4000 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 214894 | 2014 | SH |  | SOLE |  | 0 | 0 | 0 |
| FEDEX CORP | COM | 31428X106 |  | 210266 | 728 | SH |  | SOLE |  | 0 | 0 | 723 |
| SHELL PLC | SPON ADS | 780259305 |  | 208925 | 2843 | SH |  | SOLE |  | 0 | 0 | 2843 |
| UBER TECHNOLOGIES INC | COM | 90353T100 |  | 205706 | 2518 | SH |  | SOLE |  | 0 | 0 | 2418 |

---