{"url":"https://nivawealth.com/firms/northern-financial-advisors-121088","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/121088","regulatoryAum":684018783,"crd":"121088","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"7312710","suffix":null,"lastName":"Arnold","firstName":"Dominic","middleName":"Robert"},{"crd":"4394420","suffix":null,"lastName":"ISHAM","firstName":"CHRISTINE","middleName":null},{"crd":"7659595","suffix":null,"lastName":"Isham","firstName":"Dominik","middleName":null},{"crd":"8089851","suffix":null,"lastName":"Isham","firstName":"Sabrina","middleName":null},{"crd":"6602171","suffix":null,"lastName":"McLane","firstName":"Andrew","middleName":"Michael"}],"total":5,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2021-01-28","regulatoryAum":474052974,"clients":312,"employees":10,"offices":1},{"filedOn":"2022-01-28","regulatoryAum":532039019,"clients":317,"employees":8,"offices":1},{"filedOn":"2023-01-30","regulatoryAum":507784808,"clients":350,"employees":12,"offices":1},{"filedOn":"2024-01-19","regulatoryAum":560870235,"clients":311,"employees":13,"offices":1},{"filedOn":"2025-01-27","regulatoryAum":619773830,"clients":323,"employees":13,"offices":1},{"filedOn":"2026-09-21","regulatoryAum":684018783,"clients":324,"employees":11,"offices":1}],"secFileNumber":"801-119217","legalName":"Northern Financial Advisors, Inc.","displayName":"Northern Financial Advisors","slug":"northern-financial-advisors-121088","website":"https://northernfinancialadvisors.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/121088/b607f4b315866348-r1.webp","tone":"dark","width":527,"height":200,"sourceUrl":"https://northernfinancialadvisors.com/","sourceLabel":"Northern Financial Advisors, INC, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":"2002","organization":"Michigan corporation","fiscalYearEnd":"October","headquarters":{"street":"74 E. Long Lake RD., Suite 200","city":"Bloomfield Hills","state":"MI","stateName":"Michigan","country":"United States","postalCode":"48304"},"tradeNames":[],"registration":{"secApproved":"31 July 2020","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":2111169.0833333335,"staff":{"employees":11,"advisory":8,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":684018783,"discretionary":683921478,"discretionaryAccounts":1939,"nonDiscretionary":97305,"nonDiscretionaryAccounts":18,"wrapProgram":null,"nonUsClientsPct":2,"nonAumClients":3},"clientTypes":[{"label":"Individuals (other than HNW)","clients":136,"regulatoryAum":61132781},{"label":"High-net-worth individuals","clients":188,"regulatoryAum":622886002}],"feePrograms":[{"role":"other","program":"Asset Management Retainer","summary":"Investment management fee of 1% of assets under NFA management, recalculated annually and billed in advance.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1004998","versionId":1004998,"submittedOn":"2026-01-29","documentName":"PART 2A"},{"role":"other","program":"Spark Retainer","summary":"Fee of $750 plus 1.5% of gross income under $75,000 in investible assets; 1% of investible assets plus 1.5% of gross income from $75,000 to $500,000.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1004998","versionId":1004998,"submittedOn":"2026-01-29","documentName":"PART 2A"},{"role":"other","program":"Standard Retainer","summary":"Annual fixed fee from $6,200 to $75,000 set by complexity and scope; $300 per amended return and up to $300 per dependent return.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1004998","versionId":1004998,"submittedOn":"2026-01-29","documentName":"PART 2A"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T06:24:28.946523+00:00","documents":[{"name":"PART 2A","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1004998","versionId":1004998,"submittedOn":"2026-01-29"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"San Francisco, CA","smaAssets":663961978}],"custodyNote":"Northern Financial Advisors has custody of $90.4M in client assets for 122 clients.","leadership":[{"name":"Christine Isham","title":"President","crd":"4394420"},{"name":"Patrik Isham","title":"Chief Compliance Officer","crd":"7684509"}],"ownership":[{"label":"Christine Isham","detail":"President in the 75% or more ownership band and a control person, since May 2002."}],"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Michigan","offices":1,"addresses":[{"street":"74 E. Long Lake RD., Suite 200","city":"Bloomfield Hills","headquarters":true}]}],"brochureServices":["education planning","estate planning","insurance","tax planning","tax preparation"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"248-985-1632","stateRegisteredReps":5,"otherAdviserReps":0,"compensation":["Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Selection of other advisers (including private fund managers)","Other"],"financialPlanningClients":"251-500","assetMix":[{"label":"Exchange-traded equity securities","percent":22},{"label":"U.S. government/agency bonds","percent":31},{"label":"Securities issued by registered investment companies or business development companies","percent":35},{"label":"Cash and cash equivalents","percent":12}],"privateFunds":0},"sources":{"adv1FilingDate":"21 September 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/121088/PDF/121088.pdf","brochureDate":"29 January 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1004998","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Northern Financial Advisors have?","answer":"Northern Financial Advisors has 324 clients and manages $684 million for them, as of September 2026. They include 188 high-net-worth individuals and 136 individual clients.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 21 September 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Northern Financial Advisors offer?","answer":"Northern Financial Advisors provides financial planning, portfolio management for individuals and small businesses, selecting other managers, education planning, estate planning, insurance, tax planning, and tax preparation.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does Northern Financial Advisors use?","answer":"Northern Financial Advisors’ separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $664M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 21 September 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Northern Financial Advisors have?","answer":"Northern Financial Advisors has 5 investment adviser representatives registered with state securities authorities, out of 11 employees, and 8 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Northern Financial Advisors invest in?","answer":"At the end of its last fiscal year, Northern Financial Advisors’ separately managed accounts held 35% registered funds (mutual funds, ETFs, BDCs), 31% U.S. government and agency bonds, 22% exchange-traded equities and 12% cash and equivalents.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Northern Financial Advisors?","answer":"Northern Financial Advisors’ direct owner is Christine Isham (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 21 September 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Northern Financial Advisors get paid?","answer":"Northern Financial Advisors is paid through fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Is Northern Financial Advisors registered with the SEC?","answer":"Yes, Northern Financial Advisors has been registered with the SEC as an investment adviser since 31 July 2020. Its CRD number is 121088 and its SEC file number is 801-119217.","source":"Form ADV Part 1A, Item 1, filed 21 September 2026; IAPD firm record","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact Northern Financial Advisors?","answer":"Northern Financial Advisors’ main office is at 74 E. Long Lake RD., Suite 200, Bloomfield Hills, MI 48304. Its phone number is 248-985-1632. Its website is northernfinancialadvisors.com.","source":"Form ADV Part 1A, Item 1.F, filed 21 September 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":{"url":"https://nivawealth.com/firms/northern-financial-advisors-121088/holdings","form":"13F-HR","periodOfReport":"2026-06-30","filedOn":"2026-07-28","filingIndexUrl":"https://www.sec.gov/Archives/edgar/data/1962457/000196245726000003/0001962457-26-000003-index.html","totalValue":151184851,"positionCount":100,"top10Share":0.37486638790284615,"top10":[{"issuer":"STATE STR SPDR S&P 500 ETF T","titleOfClass":"TR UNIT","cusip":"78462F103","value":12863616,"shares":17225,"shareType":"SH","priorValue":10969649,"priorShares":16867},{"issuer":"BROADCOM INC","titleOfClass":"COM","cusip":"11135F101","value":5843051,"shares":15468,"shareType":"SH","priorValue":4787506,"priorShares":15468},{"issuer":"CATERPILLAR INC","titleOfClass":"COM","cusip":"149123101","value":5481049,"shares":5147,"shareType":"SH","priorValue":3657063,"priorShares":5162},{"issuer":"APPLE INC","titleOfClass":"COM","cusip":"037833100","value":5434260,"shares":18779,"shareType":"SH","priorValue":4757966,"priorShares":18747},{"issuer":"WALMART INC","titleOfClass":"COM","cusip":"931142103","value":5025232,"shares":44369,"shareType":"SH","priorValue":5519298,"priorShares":44410},{"issuer":"MICROSOFT CORP","titleOfClass":"COM","cusip":"594918104","value":4782856,"shares":12822,"shareType":"SH","priorValue":4729671,"priorShares":12777},{"issuer":"NVIDIA CORPORATION","titleOfClass":"COM","cusip":"67066G104","value":4744384,"shares":23711,"shareType":"SH","priorValue":4165715,"priorShares":23886},{"issuer":"STATE STR SPDR DOW JONES IND","titleOfClass":"UT SER 1","cusip":"78467X109","value":4724056,"shares":9043,"shareType":"SH","priorValue":4315484,"priorShares":9317},{"issuer":"MICRON TECHNOLOGY INC","titleOfClass":"COM","cusip":"595112103","value":4012310,"shares":3476,"shareType":"SH","priorValue":1185818,"priorShares":3510},{"issuer":"GOLDMAN SACHS GROUP INC","titleOfClass":"COM","cusip":"38141G104","value":3763305,"shares":3721,"shareType":"SH","priorValue":3133564,"priorShares":3704}],"positionsListed":100,"positions":[{"issuer":"STATE STR SPDR S&P 500 ETF T","titleOfClass":"TR UNIT","cusip":"78462F103","value":12863616,"shares":17225,"shareType":"SH","priorValue":10969649,"priorShares":16867},{"issuer":"BROADCOM INC","titleOfClass":"COM","cusip":"11135F101","value":5843051,"shares":15468,"shareType":"SH","priorValue":4787506,"priorShares":15468},{"issuer":"CATERPILLAR INC","titleOfClass":"COM","cusip":"149123101","value":5481049,"shares":5147,"shareType":"SH","priorValue":3657063,"priorShares":5162},{"issuer":"APPLE INC","titleOfClass":"COM","cusip":"037833100","value":5434260,"shares":18779,"shareType":"SH","priorValue":4757966,"priorShares":18747},{"issuer":"WALMART INC","titleOfClass":"COM","cusip":"931142103","value":5025232,"shares":44369,"shareType":"SH","priorValue":5519298,"priorShares":44410},{"issuer":"MICROSOFT CORP","titleOfClass":"COM","cusip":"594918104","value":4782856,"shares":12822,"shareType":"SH","priorValue":4729671,"priorShares":12777},{"issuer":"NVIDIA CORPORATION","titleOfClass":"COM","cusip":"67066G104","value":4744384,"shares":23711,"shareType":"SH","priorValue":4165715,"priorShares":23886},{"issuer":"STATE STR SPDR DOW JONES IND","titleOfClass":"UT SER 1","cusip":"78467X109","value":4724056,"shares":9043,"shareType":"SH","priorValue":4315484,"priorShares":9317},{"issuer":"MICRON TECHNOLOGY INC","titleOfClass":"COM","cusip":"595112103","value":4012310,"shares":3476,"shareType":"SH","priorValue":1185818,"priorShares":3510},{"issuer":"GOLDMAN SACHS GROUP INC","titleOfClass":"COM","cusip":"38141G104","value":3763305,"shares":3721,"shareType":"SH","priorValue":3133564,"priorShares":3704},{"issuer":"JPMORGAN CHASE & CO","titleOfClass":"COM","cusip":"46625H100","value":3547280,"shares":10837,"shareType":"SH","priorValue":3159283,"priorShares":10740},{"issuer":"EXXON MOBIL CORP","titleOfClass":"COM","cusip":"30231G102","value":3387695,"shares":24778,"shareType":"SH","priorValue":4230823,"priorShares":24937},{"issuer":"NETFLIX INC.","titleOfClass":"COM","cusip":"64110L106","value":2943607,"shares":41227,"shareType":"SH","priorValue":4043048,"priorShares":42049},{"issuer":"AMERICAN EXPRESS CO","titleOfClass":"COM","cusip":"025816109","value":2924922,"shares":8647,"shareType":"SH","priorValue":2618623,"priorShares":8657},{"issuer":"INVESCO QQQ TR","titleOfClass":"UNIT SER 1","cusip":"46090E103","value":2685805,"shares":3648,"shareType":"SH","priorValue":2168586,"priorShares":3758},{"issuer":"ADVANCED MICRO DEVICES INC","titleOfClass":"COM","cusip":"007903107","value":2486297,"shares":4280,"shareType":"SH","priorValue":864770,"priorShares":4251},{"issuer":"CISCO SYS INC","titleOfClass":"COM","cusip":"17275R102","value":2381624,"shares":20276,"shareType":"SH","priorValue":1557305,"priorShares":20071},{"issuer":"ELI LILLY & CO","titleOfClass":"COM","cusip":"532457108","value":2290911,"shares":1910,"shareType":"SH","priorValue":1767798,"priorShares":1922},{"issuer":"TRAVELERS COMPANIES INC","titleOfClass":"COM","cusip":"89417E109","value":2213451,"shares":6705,"shareType":"SH","priorValue":1937337,"priorShares":6642},{"issuer":"INTERNATIONAL BUSINESS MACHS","titleOfClass":"COM","cusip":"459200101","value":2170850,"shares":7720,"shareType":"SH","priorValue":1790108,"priorShares":7385},{"issuer":"NVR INC","titleOfClass":"COM","cusip":"62944T105","value":2078087,"shares":305,"shareType":"SH","priorValue":2009898,"priorShares":305},{"issuer":"COCA COLA CO","titleOfClass":"COM","cusip":"191216100","value":2048633,"shares":25208,"shareType":"SH","priorValue":1927622,"priorShares":25347},{"issuer":"VISA INC","titleOfClass":"COM CL A","cusip":"92826C839","value":2045826,"shares":5963,"shareType":"SH","priorValue":1778027,"priorShares":5883},{"issuer":"3M CO","titleOfClass":"COM","cusip":"88579Y101","value":2041039,"shares":12606,"shareType":"SH","priorValue":1650253,"priorShares":11363},{"issuer":"RTX CORPORATION","titleOfClass":"COM","cusip":"75513E101","value":1974900,"shares":10409,"shareType":"SH","priorValue":1977231,"priorShares":10250},{"issuer":"ORACLE CORP","titleOfClass":"COM","cusip":"68389X105","value":1895297,"shares":12933,"shareType":"SH","priorValue":1888024,"priorShares":12834},{"issuer":"AMAZON COM INC","titleOfClass":"COM","cusip":"023135106","value":1748406,"shares":7336,"shareType":"SH","priorValue":1493051,"priorShares":7169},{"issuer":"EATON CORP PLC","titleOfClass":"SHS","cusip":"G29183103","value":1491421,"shares":3500,"shareType":"SH","priorValue":1251847,"priorShares":3500},{"issuer":"META PLATFORMS INC","titleOfClass":"CL A","cusip":"30303M102","value":1470836,"shares":2611,"shareType":"SH","priorValue":1526469,"priorShares":2668},{"issuer":"AMGEN INC","titleOfClass":"COM","cusip":"031162100","value":1393111,"shares":3847,"shareType":"SH","priorValue":1239964,"priorShares":3524},{"issuer":"DELL TECHNOLOGIES INC","titleOfClass":"CL C","cusip":"24703L202","value":1387567,"shares":3216,"shareType":"SH","priorValue":527838,"priorShares":3216},{"issuer":"COSTCO WHOLESALE CORPORATION","titleOfClass":"COM","cusip":"22160K105","value":1367652,"shares":1462,"shareType":"SH","priorValue":1501615,"priorShares":1507},{"issuer":"SERVICENOW INC","titleOfClass":"COM","cusip":"81762P102","value":1363615,"shares":13735,"shareType":"SH","priorValue":1093081,"priorShares":10455},{"issuer":"GENERAL DYNAMICS CORP","titleOfClass":"COM","cusip":"369550108","value":1325915,"shares":3743,"shareType":"SH","priorValue":1275060,"priorShares":3715},{"issuer":"JOHNSON & JOHNSON","titleOfClass":"COM","cusip":"478160104","value":1193308,"shares":4699,"shareType":"SH","priorValue":1159207,"priorShares":4742},{"issuer":"CUMMINS INC","titleOfClass":"COM","cusip":"231021106","value":1166812,"shares":1636,"shareType":"SH","priorValue":880202,"priorShares":1636},{"issuer":"HOME DEPOT INC","titleOfClass":"COM","cusip":"437076102","value":1144123,"shares":3244,"shareType":"SH","priorValue":985315,"priorShares":2996},{"issuer":"MORGAN STANLEY","titleOfClass":"COM NEW","cusip":"617446448","value":1144081,"shares":5473,"shareType":"SH","priorValue":900364,"priorShares":5471},{"issuer":"MASTERCARD INCORPORATED","titleOfClass":"CL A","cusip":"57636Q104","value":1136257,"shares":2212,"shareType":"SH","priorValue":1143384,"priorShares":2288},{"issuer":"CAPITAL ONE FINL CORP","titleOfClass":"COM","cusip":"14040H105","value":1127687,"shares":5621,"shareType":"SH","priorValue":1025435,"priorShares":5621},{"issuer":"LOWES COS INC","titleOfClass":"COM","cusip":"548661107","value":1097024,"shares":4975,"shareType":"SH","priorValue":1467370,"priorShares":6210},{"issuer":"EBAY INC.","titleOfClass":"COM","cusip":"278642103","value":1095832,"shares":9806,"shareType":"SH","priorValue":892457,"priorShares":9805},{"issuer":"GILEAD SCIENCES INC","titleOfClass":"COM","cusip":"375558103","value":1092500,"shares":8647,"shareType":"SH","priorValue":1171521,"priorShares":8406},{"issuer":"MERCK & CO INC","titleOfClass":"COM","cusip":"58933Y105","value":1079183,"shares":8398,"shareType":"SH","priorValue":992959,"priorShares":8255},{"issuer":"T-MOBILE US INC","titleOfClass":"COM","cusip":"872590104","value":1037410,"shares":6185,"shareType":"SH","priorValue":1299451,"priorShares":6187},{"issuer":"PROGRESSIVE CORP","titleOfClass":"COM","cusip":"743315103","value":1024534,"shares":4690,"shareType":"SH","priorValue":936885,"priorShares":4726},{"issuer":"MCDONALDS CORP","titleOfClass":"COM","cusip":"580135101","value":952996,"shares":3526,"shareType":"SH","priorValue":1232721,"priorShares":3966},{"issuer":"ABBVIE INC","titleOfClass":"COM","cusip":"00287Y109","value":934148,"shares":3712,"shareType":"SH","priorValue":820934,"priorShares":3775},{"issuer":"PPG INDS INC","titleOfClass":"COM","cusip":"693506107","value":922652,"shares":7607,"shareType":"SH","priorValue":752662,"priorShares":7042},{"issuer":"COLGATE PALMOLIVE CO","titleOfClass":"COM","cusip":"194162103","value":921568,"shares":10052,"shareType":"SH","priorValue":869945,"priorShares":10207},{"issuer":"PROCTER & GAMBLE CO","titleOfClass":"COM","cusip":"742718109","value":893516,"shares":6093,"shareType":"SH","priorValue":894628,"priorShares":6194},{"issuer":"CITIGROUP INC","titleOfClass":"COM NEW","cusip":"172967424","value":890005,"shares":6359,"shareType":"SH","priorValue":721058,"priorShares":6358},{"issuer":"TEXAS INSTRS INC","titleOfClass":"COM","cusip":"882508104","value":878411,"shares":2947,"shareType":"SH","priorValue":580286,"priorShares":2989},{"issuer":"ENTERPRISE PRODS PARTNERS L","titleOfClass":"COM","cusip":"293792107","value":825262,"shares":22450,"shareType":"SH","priorValue":1071968,"priorShares":28329},{"issuer":"BANK OF AMER CORP","titleOfClass":"COM","cusip":"060505104","value":792650,"shares":13911,"shareType":"SH","priorValue":693914,"priorShares":14234},{"issuer":"SAP SE","titleOfClass":"SPON ADR","cusip":"803054204","value":791039,"shares":5133,"shareType":"SH","priorValue":841667,"priorShares":4916},{"issuer":"BLACKROCK INC","titleOfClass":"COM","cusip":"09290D101","value":775021,"shares":806,"shareType":"SH","priorValue":779947,"priorShares":811},{"issuer":"SHERWIN WILLIAMS CO","titleOfClass":"COM","cusip":"824348106","value":765428,"shares":2223,"shareType":"SH","priorValue":737273,"priorShares":2300},{"issuer":"DEERE & CO","titleOfClass":"COM","cusip":"244199105","value":764369,"shares":1205,"shareType":"SH","priorValue":680469,"priorShares":1208},{"issuer":"ALPHABET INC","titleOfClass":"CAP STK CL A","cusip":"02079K305","value":730290,"shares":2044,"shareType":"SH","priorValue":587620,"priorShares":2044},{"issuer":"TRANSDIGM GROUP INC","titleOfClass":"COM","cusip":"893641100","value":725962,"shares":545,"shareType":"SH","priorValue":631633,"priorShares":545},{"issuer":"UNITEDHEALTH GROUP INC","titleOfClass":"COM","cusip":"91324P102","value":721955,"shares":1737,"shareType":"SH","priorValue":460548,"priorShares":1702},{"issuer":"ELEVANCE HEALTH INC FORMERLY","titleOfClass":"COM","cusip":"036752103","value":717382,"shares":1855,"shareType":"SH","priorValue":549502,"priorShares":1877},{"issuer":"CHEVRON CORPORATION","titleOfClass":"COM","cusip":"166764100","value":714411,"shares":4310,"shareType":"SH","priorValue":903654,"priorShares":4368},{"issuer":"SLB LIMITED","titleOfClass":"COM STK","cusip":"806857108","value":698513,"shares":15025,"shareType":"SH","priorValue":772134,"priorShares":15025},{"issuer":"ALPHABET INC","titleOfClass":"CAP STK CL C","cusip":"02079K107","value":667390,"shares":1889,"shareType":"SH","priorValue":542400,"priorShares":1891},{"issuer":"AT&T INC","titleOfClass":"COM","cusip":"00206R102","value":659334,"shares":31852,"shareType":"SH","priorValue":972219,"priorShares":33536},{"issuer":"TARGET CORP","titleOfClass":"COM","cusip":"87612E106","value":658409,"shares":5041,"shareType":"SH","priorValue":560308,"priorShares":4623},{"issuer":"VERIZON COMMUNICATIONS INC","titleOfClass":"COM","cusip":"92343V104","value":645324,"shares":15242,"shareType":"SH","priorValue":711135,"priorShares":14166},{"issuer":"YUM BRANDS INC","titleOfClass":"COM","cusip":"988498101","value":637684,"shares":3989,"shareType":"SH","priorValue":558949,"priorShares":3595},{"issuer":"WISDOMTREE TR","titleOfClass":"FLOATNG RAT TREA","cusip":"97717Y527","value":626216,"shares":12437,"shareType":"SH"},{"issuer":"METLIFE INC","titleOfClass":"COM","cusip":"59156R108","value":624171,"shares":7377,"shareType":"SH","priorValue":521558,"priorShares":7375},{"issuer":"PARKER-HANNIFIN CORP","titleOfClass":"COM","cusip":"701094104","value":604476,"shares":618,"shareType":"SH","priorValue":553259,"priorShares":618},{"issuer":"STARBUCKS CORP","titleOfClass":"COM","cusip":"855244109","value":500066,"shares":4894,"shareType":"SH","priorValue":400604,"priorShares":4471},{"issuer":"LINDE PLC","titleOfClass":"SHS","cusip":"G54950103","value":492475,"shares":949,"shareType":"SH","priorValue":470480,"priorShares":949},{"issuer":"LOCKHEED MARTIN CORP","titleOfClass":"COM","cusip":"539830109","value":487553,"shares":957,"shareType":"SH","priorValue":598351,"priorShares":990},{"issuer":"V F CORP","titleOfClass":"COM","cusip":"918204108","value":479182,"shares":28728,"shareType":"SH","priorValue":409630,"priorShares":24110},{"issuer":"QUALCOMM INC","titleOfClass":"COM","cusip":"747525103","value":477751,"shares":2585,"shareType":"SH","priorValue":357801,"priorShares":2778},{"issuer":"PNC FINL SVCS GROUP INC","titleOfClass":"COM","cusip":"693475105","value":475257,"shares":1930,"shareType":"SH","priorValue":401401,"priorShares":1929},{"issuer":"NORTHROP GRUMMAN CORP","titleOfClass":"COM","cusip":"666807102","value":474169,"shares":931,"shareType":"SH","priorValue":691108,"priorShares":1013},{"issuer":"THE CIGNA GROUP","titleOfClass":"COM","cusip":"125523100","value":463697,"shares":1682,"shareType":"SH","priorValue":437477,"priorShares":1640},{"issuer":"NIKE INC","titleOfClass":"CL B","cusip":"654106103","value":461977,"shares":11254,"shareType":"SH","priorValue":374177,"priorShares":7084},{"issuer":"CHUBB LIMITED","titleOfClass":"COM","cusip":"H1467J104","value":448070,"shares":1315,"shareType":"SH","priorValue":425664,"priorShares":1306},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"US LRG CAP ETF","cusip":"808524201","value":437974,"shares":14882,"shareType":"SH","priorValue":398841,"priorShares":15556},{"issuer":"ILLINOIS TOOL WKS INC","titleOfClass":"COM","cusip":"452308109","value":436533,"shares":1614,"shareType":"SH","priorValue":434161,"priorShares":1668},{"issuer":"SUNCOR ENERGY INC NEW","titleOfClass":"COM","cusip":"867224107","value":386981,"shares":7209,"shareType":"SH","priorValue":476588,"priorShares":7209},{"issuer":"DBX ETF TR","titleOfClass":"XTRACK MSCI EAFE","cusip":"233051200","value":375657,"shares":6876,"shareType":"SH","priorValue":339694,"priorShares":6876},{"issuer":"CHIPOTLE MEXICAN GRILL INC","titleOfClass":"COM","cusip":"169656105","value":363664,"shares":10696,"shareType":"SH","priorValue":342250,"priorShares":10692},{"issuer":"ISHARES TR","titleOfClass":"RUSSELL 2000 ETF","cusip":"464287655","value":330119,"shares":1099,"shareType":"SH","priorValue":282162,"priorShares":1138},{"issuer":"US BANCORP","titleOfClass":"COM NEW","cusip":"902973304","value":327607,"shares":5424,"shareType":"SH","priorValue":282102,"priorShares":5424},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"US EQUI MARK ETF","cusip":"25434V401","value":322227,"shares":3932,"shareType":"SH","priorValue":278573,"priorShares":3929},{"issuer":"ISHARES TR","titleOfClass":"CORE S&P500 ETF","cusip":"464287200","value":306296,"shares":409,"shareType":"SH","priorValue":267162,"priorShares":409},{"issuer":"DISNEY WALT CO","titleOfClass":"COM","cusip":"254687106","value":287509,"shares":2987,"shareType":"SH"},{"issuer":"PFIZER INC","titleOfClass":"COM","cusip":"717081103","value":267378,"shares":11103,"shareType":"SH","priorValue":309723,"priorShares":11031},{"issuer":"ROYAL CARIBBEAN GROUP","titleOfClass":"COM","cusip":"V7780T103","value":243863,"shares":768,"shareType":"SH","priorValue":211339,"priorShares":768},{"issuer":"THERMO FISHER SCIENTIFIC INC","titleOfClass":"COM","cusip":"883556102","value":236641,"shares":472,"shareType":"SH","priorValue":237409,"priorShares":483},{"issuer":"BOEING CO","titleOfClass":"COM","cusip":"097023105","value":236019,"shares":1090,"shareType":"SH","priorValue":217993,"priorShares":1095},{"issuer":"WISDOMTREE TR","titleOfClass":"US MIDCAP DIVID","cusip":"97717W505","value":232765,"shares":4118,"shareType":"SH","priorValue":216374,"priorShares":4118},{"issuer":"SPDR SERIES TRUST","titleOfClass":"ST STR SP500FF","cusip":"78468R796","value":213961,"shares":3502,"shareType":"SH"},{"issuer":"AVERY DENNISON CORP","titleOfClass":"COM","cusip":"053611109","value":203261,"shares":1252,"shareType":"SH","priorValue":216197,"priorShares":1252}]},"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}