# EDGAR Filing Document

**Accession Number:** 0002103332
**File Stem:** 0001951757-26-000669
**Filing Date:** 2026-4
**Character Count:** 10624
**Document Hash:** 54ea9939ac157a93cbdb96bc25b82778
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001951757-26-000669.hdr.sgml**: 20260421

**ACCESSION NUMBER**: 0001951757-26-000669

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20260331

**FILED AS OF DATE**: 20260421

**DATE AS OF CHANGE**: 20260421

**EFFECTIVENESS DATE**: 20260421

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Polaris Investment Advisors, LLC
- **CENTRAL INDEX KEY:** 0002103332

**ORGANIZATION NAME:**
- **EIN:** 920811911
- **STATE OF INCORPORATION:** NH
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-25918
- **FILM NUMBER:** 26878299

**BUSINESS ADDRESS:**
- **STREET 1:** 615 CONCORD STREET
- **STREET 2:** SUITE 5
- **CITY:** FRAMINGHAM
- **STATE:** MA
- **ZIP:** 01702
- **BUSINESS PHONE:** 508-481-2299

**MAIL ADDRESS:**
- **STREET 1:** 615 CONCORD STREET
- **STREET 2:** SUITE 5
- **CITY:** FRAMINGHAM
- **STATE:** MA
- **ZIP:** 01702

### 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:** Polaris Investment Advisors LLC<br>**Address:** 615 CONCORD STREET<br>SUITE 5<br>FRAMINGHAM, MA 01702

**Form 13F File Number:** 028-25918

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:** Michael Gore<br>**Title:** Chief Compliance Officer<br>**Phone:** 508-481-2299

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

Michael Gore  Framingham, MA  04-21-2026<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:** 70

**Form 13F Information Table Value Total:** $137150199

      (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 |
| AFLAC INC | COM | 001055102 |  | 278005 | 2534 | SH |  | SOLE |  | 0 | 0 | 2534 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 5250214 | 18258 | SH |  | SOLE |  | 0 | 0 | 18258 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 2771902 | 9663 | SH |  | SOLE |  | 0 | 0 | 9663 |
| AMAZON COM INC | COM | 023135106 |  | 616479 | 2960 | SH |  | SOLE |  | 0 | 0 | 2960 |
| APPLE INC | COM | 037833100 |  | 1377133 | 5426 | SH |  | SOLE |  | 0 | 0 | 5426 |
| BANK AMERICA CORP | COM | 060505104 |  | 338618 | 6946 | SH |  | SOLE |  | 0 | 0 | 6946 |
| BLACKROCK ETF TRUST | ISHARES US EQUIT | 09290C103 |  | 8751407 | 150420 | SH |  | SOLE |  | 0 | 0 | 150420 |
| BLACKROCK ETF TRUST | ISHARES US THEMA | 09290C806 |  | 3479997 | 96079 | SH |  | SOLE |  | 0 | 0 | 96079 |
| BLACKROCK ETF TRUST | ISHARES LARGE CA | 09290C855 |  | 1181997 | 28787 | SH |  | SOLE |  | 0 | 0 | 28787 |
| BLACKROCK ETF TRUST | ISHARES A I INNO | 09290C780 |  | 3582874 | 108737 | SH |  | SOLE |  | 0 | 0 | 108737 |
| BLACKROCK ETF TRUST | ISHARES DEFENSE | 09290C699 |  | 1103973 | 33740 | SH |  | SOLE |  | 0 | 0 | 33740 |
| BLACKROCK ETF TRUST II | ISHARES FLEXIBLE | 092528603 |  | 1336346 | 25734 | SH |  | SOLE |  | 0 | 0 | 25734 |
| BROADCOM INC | COM | 11135F101 |  | 371412 | 1200 | SH |  | SOLE |  | 0 | 0 | 1200 |
| CSX CORP | COM | 126408103 |  | 271915 | 6624 | SH |  | SOLE |  | 0 | 0 | 6624 |
| EVERSOURCE ENERGY | COM | 30040W108 |  | 243588 | 3516 | SH |  | SOLE |  | 0 | 0 | 3516 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 411934 | 2428 | SH |  | SOLE |  | 0 | 0 | 2428 |
| FIDELITY MERRIMACK STR TR | TOTAL BD ETF | 316188309 |  | 267789 | 5870 | SH |  | SOLE |  | 0 | 0 | 5870 |
| GE AEROSPACE | COM NEW | 369604301 |  | 438992 | 1547 | SH |  | SOLE |  | 0 | 0 | 1547 |
| GE VERNOVA INC | COM | 36828A101 |  | 336067 | 385 | SH |  | SOLE |  | 0 | 0 | 385 |
| INVESCO EXCHANGE TRADED FD T | S EQL TEC | 46137V282 |  | 208196 | 4600 | SH |  | SOLE |  | 0 | 0 | 4600 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 1633428 | 18528 | SH |  | SOLE |  | 0 | 0 | 18528 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 7727942 | 110795 | SH |  | SOLE |  | 0 | 0 | 110795 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 |  | 239386 | 2763 | SH |  | SOLE |  | 0 | 0 | 2763 |
| ISHARES TR | MSCI USA MMENTM | 46432F396 |  | 3309316 | 13789 | SH |  | SOLE |  | 0 | 0 | 13789 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 3847053 | 20057 | SH |  | SOLE |  | 0 | 0 | 20057 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 279074 | 3009 | SH |  | SOLE |  | 0 | 0 | 3009 |
| ISHARES TR | US TREAS BD ETF | 46429B267 |  | 1038122 | 45313 | SH |  | SOLE |  | 0 | 0 | 45313 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 |  | 223453 | 3184 | SH |  | SOLE |  | 0 | 0 | 3184 |
| ISHARES TR | CORE UNIVRSL USD | 46434V613 |  | 8088278 | 175109 | SH |  | SOLE |  | 0 | 0 | 175109 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 2687506 | 25318 | SH |  | SOLE |  | 0 | 0 | 25318 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 477653 | 4485 | SH |  | SOLE |  | 0 | 0 | 4485 |
| ISHARES TR | S 100 ETF | 464287101 |  | 4244326 | 13344 | SH |  | SOLE |  | 0 | 0 | 13344 |
| ISHARES TR | 10-20 YR TRS ETF | 464288653 |  | 3653803 | 36277 | SH |  | SOLE |  | 0 | 0 | 36277 |
| ISHARES TR | MBS ETF | 464288588 |  | 1941420 | 20447 | SH |  | SOLE |  | 0 | 0 | 20447 |
| ISHARES TR | CORE INTL AGGR | 46435G672 |  | 1926100 | 38491 | SH |  | SOLE |  | 0 | 0 | 38491 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 353460 | 2499 | SH |  | SOLE |  | 0 | 0 | 2499 |
| ISHARES TR | LONG TERM MUNI | 46438G448 |  | 730376 | 14628 | SH |  | SOLE |  | 0 | 0 | 14628 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 6942763 | 93379 | SH |  | SOLE |  | 0 | 0 | 93379 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 2247959 | 20185 | SH |  | SOLE |  | 0 | 0 | 20185 |
| ISHARES TR | US AER DEF ETF | 464288760 |  | 1114531 | 5095 | SH |  | SOLE |  | 0 | 0 | 5095 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 248286 | 4372 | SH |  | SOLE |  | 0 | 0 | 4372 |
| ISHARES TR | RUS 2000 GRW ETF | 464287648 |  | 261404 | 833 | SH |  | SOLE |  | 0 | 0 | 833 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 771188 | 7932 | SH |  | SOLE |  | 0 | 0 | 7932 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 452390 | 3531 | SH |  | SOLE |  | 0 | 0 | 3531 |
| ISHARES TR | U.S. TECH ETF | 464287721 |  | 326737 | 1801 | SH |  | SOLE |  | 0 | 0 | 1801 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 2277709 | 33729 | SH |  | SOLE |  | 0 | 0 | 33729 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 493035 | 3966 | SH |  | SOLE |  | 0 | 0 | 3966 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 9620735 | 45564 | SH |  | SOLE |  | 0 | 0 | 45564 |
| ISHARES TR | CORE S ETF | 464287200 |  | 15084442 | 23093 | SH |  | SOLE |  | 0 | 0 | 23093 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 9377963 | 82910 | SH |  | SOLE |  | 0 | 0 | 82910 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 1151590 | 3230 | SH |  | SOLE |  | 0 | 0 | 3230 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 414272 | 972 | SH |  | SOLE |  | 0 | 0 | 972 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 389608 | 1571 | SH |  | SOLE |  | 0 | 0 | 1571 |
| KIMBERLY-CLARK CORP | COM | 494368103 |  | 575251 | 5963 | SH |  | SOLE |  | 0 | 0 | 5963 |
| LINDE PLC | SHS | G54950103 |  | 447671 | 903 | SH |  | SOLE |  | 0 | 0 | 903 |
| MICROSOFT CORP | COM | 594918104 |  | 400524 | 1082 | SH |  | SOLE |  | 0 | 0 | 1082 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 898187 | 5150 | SH |  | SOLE |  | 0 | 0 | 5150 |
| SELECT SECTOR SPDR TR | STATE STREET FIN | 81369Y605 |  | 1263500 | 25592 | SH |  | SOLE |  | 0 | 0 | 25592 |
| SELECT SECTOR SPDR TR | STATE STREET TEC | 81369Y803 |  | 1265392 | 9521 | SH |  | SOLE |  | 0 | 0 | 9521 |
| SELECT SECTOR SPDR TR | STATE STREET HEA | 81369Y209 |  | 405888 | 2768 | SH |  | SOLE |  | 0 | 0 | 2768 |
| STATE STR SPDR S 500 ETF T | TR UNIT | 78462F103 |  | 849604 | 1306 | SH |  | SOLE |  | 0 | 0 | 1306 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 880623 | 2745 | SH |  | SOLE |  | 0 | 0 | 2745 |
| VANGUARD INDEX FDS | EXTEND MKT ETF | 922908652 |  | 304378 | 1479 | SH |  | SOLE |  | 0 | 0 | 1479 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 545231 | 2779 | SH |  | SOLE |  | 0 | 0 | 2779 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 427415 | 1488 | SH |  | SOLE |  | 0 | 0 | 1488 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 262342 | 601 | SH |  | SOLE |  | 0 | 0 | 601 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 400208 | 5329 | SH |  | SOLE |  | 0 | 0 | 5329 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 679851 | 13627 | SH |  | SOLE |  | 0 | 0 | 13627 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 987601 | 15412 | SH |  | SOLE |  | 0 | 0 | 15412 |
| VANGUARD WORLD FD | FINANCIALS ETF | 92204A405 |  | 362387 | 3000 | SH |  | SOLE |  | 0 | 0 | 3000 |

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