13F HOLDINGS REPORT

NORTHSTAR ASSET MANAGEMENT LLC

Quarter ended Q3 2025 · Filed October 22, 2025 · Accession 0001132708-25-000008

Total Value

$466.1M

Positions

193

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (193)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	VANGUARD INFO TECH ETF	92204a702	107,887	$80.6M	17.28%
2	APPLE INC	AAPL	155,467	$39.6M	8.49%
3	VANGUARD TOTAL U.S. STOCK MARK	922908769	72,741	$23.9M	5.12%
4	VANGUARD GROWTH ETF	922908736	42,169	$20.2M	4.34%
5	BERKSHIRE HATHAWAY INC DEL CL	BRK-A	33,231	$16.7M	3.58%
6	VANGUARD MID-CAP ETF	922908629	56,239	$16.5M	3.54%
7	MICROSOFT CORP	MSFT	29,477	$15.3M	3.28%
8	S&P 500 INDEX	SPY	17,593	$11.7M	2.51%
9	VANGUARD SMALL-CAP ETF	922908751	41,554	$10.6M	2.27%
10	VANGUARD S&P 500 ETF	922908363	16,082	$9.8M	2.11%
11	THERMO FISHER SCIENTIFIC INC.	TMO	18,590	$9.0M	1.93%
12	NVIDIA CORP	NVDA	43,410	$8.1M	1.74%
13	AMETEK INC NEW	AME	37,070	$7.0M	1.50%
14	ARISTA NETWORKS INC	ANET	45,415	$6.6M	1.42%
15	FIRST TRUST ISE CLOUD COMPUTIN	33734x192	48,020	$6.5M	1.38%
16	ZOETIS, INC.	ZTS	40,842	$6.0M	1.28%
17	DANAHER CORP	235851102	28,520	$5.7M	1.21%
18	VANGUARD DIVIDEND APPRECIATION	921908844	25,045	$5.4M	1.16%
19	VANGUARD HIGH DIVIDEND YIELD I	921946406	38,065	$5.4M	1.15%
20	HOME DEPOT INC	HD	11,943	$4.8M	1.04%
21	VANGUARD COMMUNICATION SERVICE	92204a884	25,255	$4.7M	1.02%
22	VANGUARD FINANCIAL ETF	92204a405	35,806	$4.7M	1.01%
23	WAL-MART STORES	WMT	43,879	$4.5M	0.97%
24	SHERWIN WILLIAMS CO	SHW	12,594	$4.4M	0.94%
25	J.P. MORGAN CHASE & CO.	VYLD	13,325	$4.2M	0.90%
26	FIRST TRUST NASDAQ CYBER SECUR	33734x846	55,112	$4.2M	0.90%
27	RTX CORPORATION COM	RTX	24,508	$4.1M	0.88%
28	EXXON MOBIL CORPORATION	XOM	33,344	$3.8M	0.81%
29	VANGUARD VALUE ETF	922908744	20,130	$3.8M	0.81%
30	JOHNSON & JOHNSON	JNJ	20,076	$3.7M	0.80%
31	ALPHABET INC. CL C	GOOG	14,980	$3.6M	0.78%
32	AMERICAN TOWER CORP	AMT	17,157	$3.3M	0.71%
33	QUALCOMM INC	QCOM	19,379	$3.2M	0.69%
34	VANGUARD LARGE CAP FUND	922908637	9,490	$2.9M	0.63%
35	ISHARES DJ US MEDICAL DEVICE I	464288810	48,220	$2.9M	0.62%
36	S&P MID-CAP 400 DEPOSITORY REC	MDY	4,795	$2.9M	0.61%
37	UNION PACIFIC CORP	UNP	11,718	$2.8M	0.59%
38	ADOBE SYSTEMS	ADBE	7,390	$2.6M	0.56%
39	AMAZON.COM, INC	AMZN	11,646	$2.6M	0.55%
40	COSTCO WHOLESALE CORP	COST	2,710	$2.5M	0.54%
41	VISA, INC.	V	7,127	$2.4M	0.52%
42	PEPSICO INC	PEP	16,890	$2.4M	0.51%
43	NESTLE S A SPONS ADR	641069406	25,380	$2.3M	0.50%
44	VANGUARD 500 INDEX FD ADM	922908710	3,713	$2.3M	0.49%
45	DEFIANCE 5G NEXT GEN CONNECTIV	26922a289	37,075	$2.3M	0.49%
46	VANGUARD HEALTHCARE ETF	92204a504	8,225	$2.1M	0.46%
47	CHEVRON CORP.	CVX	13,103	$2.0M	0.44%
48	L3 HARRIS TECHNOLOGIES	LHX	6,610	$2.0M	0.43%
49	MONDELEZ INTERNATIONAL	609207105	30,810	$1.9M	0.41%
50	STRYKER CORPORATION	SYK	5,180	$1.9M	0.41%
51	PROCTER & GAMBLE	742718109	12,337	$1.9M	0.41%
52	APPLE INC	AAPL	7,360	$1.9M	0.40%
53	HONEYWELL, INC.	438516106	8,610	$1.8M	0.39%
54	BROADCOM LTD	AVGO	5,475	$1.8M	0.39%
55	NOVARTIS AG-ADR	NVSEF	13,925	$1.8M	0.38%
56	WALT DISNEY COMPANY	254687106	15,160	$1.7M	0.37%
57	WASTE CONNECTIONS INC	WCN	9,570	$1.7M	0.36%
58	VANGUARD INFO TECH ETF	92204a702	2,170	$1.6M	0.35%
59	McDONALDS CORP.	MCD	5,056	$1.5M	0.33%
60	ADVANCED MICRO DEVICES	AMD	8,407	$1.4M	0.29%
61	ALPHABET INC. CLASS A	GOOG	4,735	$1.2M	0.25%
62	VERALTO CORP	VLTO	9,756	$1.0M	0.22%
63	NEXTERA ENERGY INC.	NEE-PW	13,136	$991,637	0.21%
64	VANGUARD CONSUMER DISCRETIONAR	92204a108	2,400	$950,760	0.20%
65	FEDEX CORPORATION	FDX	3,890	$917,301	0.20%
66	ORACLE CORPORATION	ORCL-PD	3,200	$899,968	0.19%
67	FORTIVE CORP.	FTV	18,276	$895,341	0.19%
68	CHUBB CORP	CB	3,090	$872,152	0.19%
69	CROWN HOLDINGS INC.	CCK	8,370	$808,458	0.17%
70	SYSCO CORP	SYY	9,650	$794,581	0.17%
71	iSHARES EXPANDED TECH SECTOR E	464287549	6,300	$793,485	0.17%
72	STARBUCKS CORP	SBUX	9,325	$788,895	0.17%
73	WILLIAMS-SONOMA INC	WSM	4,000	$781,800	0.17%
74	VANGUARD INDUSTRIALS ETF	92204a603	2,635	$780,724	0.17%
75	VANGUARD PRIMECAP FUND ADMIRAL	921936209	3,779	$742,396	0.16%
76	ISHARES RUSSELL MID-CAP VALUE	464287473	4,953	$691,786	0.15%
77	THE HERSHEY COMPANY	HSY	3,600	$673,380	0.14%
78	GROWTH FUND AMERICA CL F 3	399874775	7,636	$672,182	0.14%
79	COCA-COLA	KO	9,875	$654,910	0.14%
80	GE AEROSPACE	369604301	2,175	$654,283	0.14%
81	VANGUARD GROWTH ETF	922908736	1,325	$635,483	0.14%
82	BOEING CO	BA-PA	2,832	$611,231	0.13%
83	LEGG MASON PARTNERS EQUITY TRU	52468c703	3,861	$610,242	0.13%
84	MFS SER TR IV MID CAP GROWTH I	552987877	17,263	$583,995	0.13%
85	VANGUARD US GROWTH FUND ADMIRA	921910600	2,667	$572,810	0.12%
86	ABBOTT LABORATORIES	ABLZF	4,225	$565,896	0.12%
87	iSHARES S&P MID CAP 400 INDEX	464287507	8,525	$556,341	0.12%
88	VANGUARD ESG U.S. STOCK ETF	921910733	4,685	$554,891	0.12%
89	VERIZON COMMUNICATIONS	VZ	11,961	$525,686	0.11%
90	CISCO SYSTEMS INC	CSCO	7,488	$512,329	0.11%
91	ISHARES CORE S&P 500 ETF	464287200	750	$501,975	0.11%
92	VANGUARD MID-CAP ETF	922908629	1,695	$497,889	0.11%
93	SPDR S&P BIOTECH ETF	78464a870	4,950	$495,990	0.11%
94	ABBVIE	ABBV	2,115	$489,707	0.11%
95	MERCK & CO.	MRK	5,830	$489,312	0.10%
96	PALO ALTO NETWORKS INC	PANW	2,400	$488,688	0.10%
97	ELI LILLY	LLY	639	$487,557	0.10%
98	VANGUARD TOTAL U.S. STOCK MARK	922908769	1,475	$484,051	0.10%
99	AON PLC CL A	AON	1,350	$481,383	0.10%
100	CORTEVA INC.	CTVA	6,990	$472,734	0.10%
101	FIDELITY CONTRAFUND	316071109	19,043	$471,493	0.10%
102	VANGUARD CONSUMER STAPLES FUND	92204a207	2,185	$467,000	0.10%
103	SCHWAB 529 MODERATELY AGGRESIV	485310817	13,387	$462,934	0.10%
104	CINTAS CORP	CTAS	2,240	$459,782	0.10%
105	VANGUARD WELLINGTON FUND ADM.	921935201	5,580	$458,489	0.10%
106	VANGUARD 500 INDEX FD ADM	922908710	736	$454,082	0.10%
107	MEDTRONIC PLC	MDT	4,750	$452,390	0.10%
108	VANGUARD ETF SMALL CAP GROWTH	922908595	1,510	$449,406	0.10%
109	FRANKLIN CUSTODIAN FUNDS DYNAT	353496680	2,046	$447,501	0.10%
110	VANGUARD MID-CAP GROWTH	922908538	1,500	$440,685	0.09%
111	VANGUARD MID-CAP VALUE FUND	922908512	2,515	$439,069	0.09%
112	SCHWAB CAPITAL TRUST TOTAL STO	808509756	26,490	$428,872	0.09%
113	JHANCOCK CLASSIC VALUE I	409902756	16,811	$427,000	0.09%
114	MODERATELY AGGRESSIVE 30	485310791	28,723	$421,935	0.09%
115	iSHARES DOW JONES SELECT DIV I	464287168	2,960	$420,616	0.09%
116	PHILLIP MORRIS	718172109	2,542	$412,312	0.09%
117	AMERICAN EXPRESS	AXP	1,225	$406,896	0.09%
118	INTUITIVE SURGICAL	ISRG	900	$402,507	0.09%
119	NEW PERSPECTIVE FUND INC CL F	648018778	5,443	$401,090	0.09%
120	NETFLIX, INC.	NFLX	330	$395,644	0.08%
121	PFIZER INC.	PFE	15,024	$382,812	0.08%
122	VANGUARD WINDSOR II FUND ADMIR	922018304	4,269	$377,397	0.08%
123	T ROWE PRICE SCIENCE & TECH FU	87282n105	5,457	$340,167	0.07%
124	AT&T INCORPORATED	T-PC	11,700	$330,408	0.07%
125	DU PONT DE NEMOURS	DD	4,140	$322,506	0.07%
126	VANGUARD STAR FUND	921909107	10,471	$320,623	0.07%
127	VANGUARD LARGE CAP FUND	922908637	1,040	$320,174	0.07%
128	AMERICAN BEACON FUNDS INST CL	024527400	13,332	$318,512	0.07%
129	LOCKHEED MARTIN CORP.	LMT	600	$299,526	0.06%
130	CROWDSTRIKE HOLDINGS INC	CRWD	600	$294,228	0.06%
131	VANGUARD S&P 500 ETF	922908363	480	$293,942	0.06%
132	VERTEX PHARMACETICALS, INC.	92532f100	750	$293,730	0.06%
133	MASTERCARD INC CL A	MA	489	$278,148	0.06%
134	WASTE MANAGEMENT INC	WM	1,250	$276,037	0.06%
135	CAPITAL ONE FINANCIAL	COF-PN	1,274	$270,827	0.06%
136	ISHARES NASDAQ BIOTECH INDEX F	464287556	1,875	$270,694	0.06%
137	ESSENTIALS UTILITIES INC.	29670g102	6,750	$269,325	0.06%
138	BERKSHIRE HATHAWAY INC DEL CL	BRK-A	505	$253,884	0.05%
139	COLGATE PALMOLIVE CO.	CL	3,130	$250,212	0.05%
140	VANGUARD BASIC MATERIALS ETF	92204a801	1,185	$242,759	0.05%
141	MICRON TECHNOLOGY	MU	1,450	$242,614	0.05%
142	UNITED BANKSHARES	UNTCW	6,243	$232,302	0.05%
143	FRANKLIN CUSTODIAN FUNDS GROWT	353496839	1,457	$223,346	0.05%
144	RALLIANT CORP	RAL	5,053	$220,968	0.05%
145	CARRIER GLOBAL CORP	CARR	3,632	$216,830	0.05%
146	DELL TECHNOLOGIES INC.	DELL	1,500	$212,655	0.05%
147	CONSTELLATION BRANDS	STZ	1,550	$208,738	0.04%
148	AUTOMATIC DATA PROCESSING INC	ADP	700	$205,450	0.04%
149	VANGUARD SMALL-CAP ETF	922908751	750	$190,710	0.04%
150	COLUMBIA ACORN ACORN FUND I2	197199482	11,810	$168,767	0.04%
151	MICROSOFT CORP	MSFT	320	$165,744	0.04%
152	FIRST TRUST NASDAQ CYBER SECUR	33734x846	2,150	$163,421	0.04%
153	DEFIANCE 5G NEXT GEN CONNECTIV	26922a289	2,450	$151,116	0.03%
154	ZOETIS, INC.	ZTS	900	$131,688	0.03%
155	WAL-MART STORES	WMT	1,050	$108,213	0.02%
156	S&P 500 INDEX	SPY	160	$106,589	0.02%
157	VANGUARD VALUE ETF	922908744	530	$98,840	0.02%
158	THERMO FISHER SCIENTIFIC INC.	TMO	200	$97,004	0.02%
159	DANAHER CORP	235851102	475	$94,173	0.02%
160	FIRST TRUST ISE CLOUD COMPUTIN	33734x192	700	$94,094	0.02%
161	HOME DEPOT INC	HD	215	$87,116	0.02%
162	SCHWAB 529 MODERATELY AGGRESIV	485310817	2,469	$85,389	0.02%
163	AMETEK INC NEW	AME	450	$84,600	0.02%
164	VANGUARD COMMUNICATION SERVICE	92204a884	425	$79,785	0.02%
165	AMERICAN TOWER CORP	AMT	400	$76,928	0.02%
166	VANGUARD FINANCIAL ETF	92204a405	575	$75,463	0.02%
167	ALPHABET INC. CL C	GOOG	300	$73,065	0.02%
168	SHERWIN WILLIAMS CO	SHW	195	$67,521	0.01%
169	SELLAS LIFE SCIENCES GROUP INC	SLS	40,320	$64,915	0.01%
170	NESTLE S A SPONS ADR	641069406	685	$62,862	0.01%
171	RTX CORPORATION COM	RTX	370	$61,912	0.01%
172	PROCTER & GAMBLE	742718109	375	$57,619	0.01%
173	ISHARES DJ US MEDICAL DEVICE I	464288810	900	$54,072	0.01%
174	AMAZON.COM, INC	AMZN	200	$43,914	0.01%
175	AMERICAN EXPRESS	AXP	125	$41,520	0.01%
176	L3 HARRIS TECHNOLOGIES	LHX	130	$39,703	0.01%
177	WASTE CONNECTIONS INC	WCN	200	$35,160	0.01%
178	CHEVRON CORP.	CVX	225	$34,940	0.01%
179	MONDELEZ INTERNATIONAL	609207105	550	$34,358	0.01%
180	VISA, INC.	V	100	$34,138	0.01%
181	FORTIVE CORP.	FTV	595	$29,149	0.01%
182	EXXON MOBIL CORPORATION	XOM	250	$28,187	0.01%
183	MERCK & CO.	MRK	300	$25,179	0.01%
184	WALT DISNEY COMPANY	254687106	185	$21,182	0.00%
185	NEXTERA ENERGY INC.	NEE-PW	280	$21,137	0.00%
186	HONEYWELL, INC.	438516106	100	$21,050	0.00%
187	VANGUARD DIVIDEND APPRECIATION	921908844	90	$19,421	0.00%
188	JOHNSON & JOHNSON	JNJ	100	$18,542	0.00%
189	VERALTO CORP	VLTO	158	$16,844	0.00%
190	SPDR S&P BIOTECH ETF	78464a870	150	$15,030	0.00%
191	S&P MID-CAP 400 DEPOSITORY REC	MDY	25	$14,901	0.00%
192	RALLIANT CORP	RAL	81	$3,542	0.00%
193	CYTODYN INC	CYDY	10,000	$2,600	0.00%