# EDGAR Filing Document

**Accession Number:** 0002059828
**File Stem:** 0001765380-25-000466
**Filing Date:** 2025-11
**Character Count:** 13249
**Document Hash:** e9249fc07ebdc18da06bd05e4a08cfb2
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001765380-25-000466.hdr.sgml**: 20251112

**ACCESSION NUMBER**: 0001765380-25-000466

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251112

**DATE AS OF CHANGE**: 20251112

**EFFECTIVENESS DATE**: 20251112

**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:** 251469366

**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:** 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 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  11-12-2025<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:** $108069946

      (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 |  | 12565568 | 34381 | SH |  | SOLE |  | 0 | 0 | 34059 |
| VISA INC | COM CL A | 92826C839 |  | 8138673 | 23841 | SH |  | SOLE |  | 0 | 0 | 23662 |
| APPLE INC | COM | 037833100 |  | 5726404 | 22489 | SH |  | SOLE |  | 0 | 0 | 21911 |
| VANGUARD ADMIRAL FDS INC | 500 GRTH IDX F | 921932505 |  | 5208361 | 11961 | SH |  | SOLE |  | 0 | 0 | 11615 |
| MICROSOFT CORP | COM | 594918104 |  | 4719679 | 9112 | SH |  | SOLE |  | 0 | 0 | 8969 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 4098049 | 68392 | SH |  | SOLE |  | 0 | 0 | 67321 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 2900989 | 11409 | SH |  | SOLE |  | 0 | 0 | 11332 |
| AMAZON COM INC | COM | 023135106 |  | 2485794 | 11321 | SH |  | SOLE |  | 0 | 0 | 11321 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 2275942 | 9345 | SH |  | SOLE |  | 0 | 0 | 9345 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 2204240 | 50153 | SH |  | SOLE |  | 0 | 0 | 50153 |
| CHEVRON CORP NEW | COM | 166764100 |  | 2110783 | 13593 | SH |  | SOLE |  | 0 | 0 | 13593 |
| PEPSICO INC | COM | 713448108 |  | 1887133 | 13437 | SH |  | SOLE |  | 0 | 0 | 13437 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 1839998 | 12633 | SH |  | SOLE |  | 0 | 0 | 12633 |
| AFLAC INC | COM | 001055102 |  | 1808885 | 16194 | SH |  | SOLE |  | 0 | 0 | 16194 |
| RTX CORPORATION | COM | 75513E101 |  | 1740169 | 10400 | SH |  | SOLE |  | 0 | 0 | 10400 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 1706900 | 9206 | SH |  | SOLE |  | 0 | 0 | 9206 |
| CONSOLIDATED EDISON INC | COM | 209115104 |  | 1645090 | 16366 | SH |  | SOLE |  | 0 | 0 | 16366 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1629709 | 8735 | SH |  | SOLE |  | 0 | 0 | 8597 |
| DUKE ENERGY CORP NEW | COM NEW | 26441C204 |  | 1625501 | 13135 | SH |  | SOLE |  | 0 | 0 | 13135 |
| BP PLC | SPONSORED ADR | 055622104 |  | 1603238 | 46525 | SH |  | SOLE |  | 0 | 0 | 46525 |
| SOUTHERN CO | COM | 842587107 |  | 1454435 | 15347 | SH |  | SOLE |  | 0 | 0 | 15347 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 1370114 | 18828 | SH |  | SOLE |  | 0 | 0 | 18828 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 1195153 | 4916 | SH |  | SOLE |  | 0 | 0 | 4511 |
| L3HARRIS TECHNOLOGIES INC | COM | 502431109 |  | 1090746 | 3571 | SH |  | SOLE |  | 0 | 0 | 3571 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 1067166 | 1876 | SH |  | SOLE |  | 0 | 0 | 1822 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 1013001 | 3211 | SH |  | SOLE |  | 0 | 0 | 3068 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 972011 | 1050 | SH |  | SOLE |  | 0 | 0 | 950 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 911435 | 11403 | SH |  | SOLE |  | 0 | 0 | 10779 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 895380 | 1781 | SH |  | SOLE |  | 0 | 0 | 1704 |
| BROADCOM INC | COM | 11135F101 |  | 888093 | 2692 | SH |  | SOLE |  | 0 | 0 | 2692 |
| HOME DEPOT INC | COM | 437076102 |  | 853922 | 2107 | SH |  | SOLE |  | 0 | 0 | 2039 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 842559 | 10052 | SH |  | SOLE |  | 0 | 0 | 9758 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 816837 | 1361 | SH |  | SOLE |  | 0 | 0 | 1361 |
| QUALCOMM INC | COM | 747525103 |  | 815111 | 4900 | SH |  | SOLE |  | 0 | 0 | 4900 |
| MICRON TECHNOLOGY INC | COM | 595112103 |  | 759651 | 4540 | SH |  | SOLE |  | 0 | 0 | 4478 |
| META PLATFORMS INC | CL A | 30303M102 |  | 669393 | 912 | SH |  | SOLE |  | 0 | 0 | 912 |
| WINCHESTER BANCORP INC | COM | 97269D103 |  | 668500 | 70000 | SH |  | SOLE |  | 0 | 0 | 0 |
| ABBVIE INC | COM | 00287Y109 |  | 661050 | 2855 | SH |  | SOLE |  | 0 | 0 | 2855 |
| CISCO SYS INC | COM | 17275R102 |  | 660149 | 9648 | SH |  | SOLE |  | 0 | 0 | 9648 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 651938 | 2311 | SH |  | SOLE |  | 0 | 0 | 2311 |
| ELI LILLY  CO | COM | 532457108 |  | 640946 | 840 | SH |  | SOLE |  | 0 | 0 | 840 |
| PFIZER INC | COM | 717081103 |  | 632180 | 24811 | SH |  | SOLE |  | 0 | 0 | 24811 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 629275 | 4096 | SH |  | SOLE |  | 0 | 0 | 4096 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 612134 | 5429 | SH |  | SOLE |  | 0 | 0 | 5429 |
| EATON CORP PLC | SHS | G29183103 |  | 609823 | 1629 | SH |  | SOLE |  | 0 | 0 | 1629 |
| ALTRIA GROUP INC | COM | 02209S103 |  | 609483 | 9226 | SH |  | SOLE |  | 0 | 0 | 9226 |
| BECTON DICKINSON  CO | COM | 075887109 |  | 595161 | 3180 | SH |  | SOLE |  | 0 | 0 | 3180 |
| OCCIDENTAL PETE CORP | COM | 674599105 |  | 580514 | 12286 | SH |  | SOLE |  | 0 | 0 | 12286 |
| CATERPILLAR INC | COM | 149123101 |  | 571484 | 1198 | SH |  | SOLE |  | 0 | 0 | 1198 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 564361 | 2332 | SH |  | SOLE |  | 0 | 0 | 1594 |
| ORACLE CORP | COM | 68389X105 |  | 558758 | 1987 | SH |  | SOLE |  | 0 | 0 | 1987 |
| ISHARES TR | RUS 2000 GRW ETF | 464287648 |  | 543665 | 1699 | SH |  | SOLE |  | 0 | 0 | 1699 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 527372 | 6753 | SH |  | SOLE |  | 0 | 0 | 6117 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 508049 | 1731 | SH |  | SOLE |  | 0 | 0 | 1638 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 |  | 505666 | 9968 | SH |  | SOLE |  | 0 | 0 | 9968 |
| SHELL PLC | SPON ADS | 780259305 |  | 453444 | 6339 | SH |  | SOLE |  | 0 | 0 | 6339 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 450210 | 16491 | SH |  | SOLE |  | 0 | 0 | 16491 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 446756 | 561 | SH |  | SOLE |  | 0 | 0 | 561 |
| SELECT SECTOR SPDR TR | INDL | 81369Y704 |  | 396988 | 2574 | SH |  | SOLE |  | 0 | 0 | 2248 |
| AT INC | COM | 00206R102 |  | 393297 | 13927 | SH |  | SOLE |  | 0 | 0 | 13927 |
| MARSH  MCLENNAN COS INC | COM | 571748102 |  | 390968 | 1940 | SH |  | SOLE |  | 0 | 0 | 1787 |
| WALMART INC | COM | 931142103 |  | 367563 | 3566 | SH |  | SOLE |  | 0 | 0 | 3362 |
| SELECT SECTOR SPDR TR | SBI CONS STPLS | 81369Y308 |  | 364891 | 4656 | SH |  | SOLE |  | 0 | 0 | 4284 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 364156 | 14164 | SH |  | SOLE |  | 0 | 0 | 14164 |
| COCA COLA CO | COM | 191216100 |  | 346533 | 5225 | SH |  | SOLE |  | 0 | 0 | 5225 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 343975 | 3684 | SH |  | SOLE |  | 0 | 0 | 2319 |
| WISDOMTREE TR | US QTLY DIV GRT | 97717X669 |  | 341249 | 3836 | SH |  | SOLE |  | 0 | 0 | 0 |
| EMERSON ELEC CO | COM | 291011104 |  | 337264 | 2571 | SH |  | SOLE |  | 0 | 0 | 2571 |
| TOTALENERGIES SE | SPONSORED ADS | 89151E109 |  | 333362 | 5585 | SH |  | SOLE |  | 0 | 0 | 5585 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 331677 | 2278 | SH |  | SOLE |  | 0 | 0 | 2278 |
| UNION PAC CORP | COM | 907818108 |  | 330682 | 1399 | SH |  | SOLE |  | 0 | 0 | 1399 |
| KRAFT HEINZ CO | COM | 500754106 |  | 326281 | 12530 | SH |  | SOLE |  | 0 | 0 | 12530 |
| ASTRAZENECA PLC | SPONSORED ADR | 046353108 |  | 324977 | 4236 | SH |  | SOLE |  | 0 | 0 | 4236 |
| UNITED RENTALS INC | COM | 911363109 |  | 320686 | 336 | SH |  | SOLE |  | 0 | 0 | 336 |
| TESLA INC | COM | 88160R101 |  | 317085 | 713 | SH |  | SOLE |  | 0 | 0 | 713 |
| GE AEROSPACE | COM NEW | 369604301 |  | 316575 | 1052 | SH |  | SOLE |  | 0 | 0 | 934 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 305269 | 2867 | SH |  | SOLE |  | 0 | 0 | 2867 |
| PARKER-HANNIFIN CORP | COM | 701094104 |  | 299099 | 395 | SH |  | SOLE |  | 0 | 0 | 395 |
| COLGATE PALMOLIVE CO | COM | 194162103 |  | 290982 | 3640 | SH |  | SOLE |  | 0 | 0 | 3640 |
| SELECT SECTOR SPDR TR | SBI INT-UTILS | 81369Y886 |  | 288840 | 3312 | SH |  | SOLE |  | 0 | 0 | 3312 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 288161 | 3426 | SH |  | SOLE |  | 0 | 0 | 3426 |
| VANECK MERK GOLD ETF | GOLD SHS | 921078101 |  | 286214 | 7696 | SH |  | SOLE |  | 0 | 0 | 7696 |
| CARRIER GLOBAL CORPORATION | COM | 14448C104 |  | 278360 | 4663 | SH |  | SOLE |  | 0 | 0 | 4663 |
| GSK PLC | SPONSORED ADR | 37733W204 |  | 276181 | 6399 | SH |  | SOLE |  | 0 | 0 | 6399 |
| SELECT SECTOR SPDR TR | SBI CONS DISCR | 81369Y407 |  | 268636 | 1121 | SH |  | SOLE |  | 0 | 0 | 1121 |
| ROYAL GOLD INC | COM | 780287108 |  | 267975 | 1336 | SH |  | SOLE |  | 0 | 0 | 1336 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 266635 | 2660 | SH |  | SOLE |  | 0 | 0 | 2660 |
| MFS MULTIMARKET INCOME TR | SH BEN INT | 552737108 |  | 261438 | 54694 | SH |  | SOLE |  | 0 | 0 | 54694 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 |  | 255330 | 10879 | SH |  | SOLE |  | 0 | 0 | 10879 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 241432 | 1488 | SH |  | SOLE |  | 0 | 0 | 1488 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 232609 | 349 | SH |  | SOLE |  | 0 | 0 | 349 |
| STARBUCKS CORP | COM | 855244109 |  | 227116 | 2685 | SH |  | SOLE |  | 0 | 0 | 2685 |
| ETFS GOLD TR | PHYSCL GOLD SHS | 00326A104 |  | 225940 | 6138 | SH |  | SOLE |  | 0 | 0 | 6138 |
| UBER TECHNOLOGIES INC | COM | 90353T100 |  | 211909 | 2163 | SH |  | SOLE |  | 0 | 0 | 2163 |
| MEDTRONIC PLC | SHS | G5960L103 |  | 210766 | 2213 | SH |  | SOLE |  | 0 | 0 | 2213 |
| FEDEX CORP | COM | 31428X106 |  | 210190 | 891 | SH |  | SOLE |  | 0 | 0 | 891 |
| BLACKROCK CR ALLOCATION INCO | COM | 092508100 |  | 161513 | 14617 | SH |  | SOLE |  | 0 | 0 | 14617 |
| FORD MTR CO | COM | 345370860 |  | 159807 | 13362 | SH |  | SOLE |  | 0 | 0 | 13362 |
| PUTNAM MASTER INTER INCOME T | SH BEN INT | 746909100 |  | 69643 | 20245 | SH |  | SOLE |  | 0 | 0 | 20245 |
| SELECTQUOTE INC | COM | 816307300 |  | 20662 | 10542 | SH |  | SOLE |  | 0 | 0 | 9042 |

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