Northstar Financial Companies provides financial planning, portfolio management for individuals and small businesses, pension consulting, selecting other managers, business succession planning, education planning, estate planning, insurance, and tax planning. Financial planning was provided to 251–500 clients last fiscal year.
Northstar Financial Companies reports 507 clients. They include 394 individual clients and 113 high-net-worth individuals. Of its assets, 95.2% ($494M across 1,326 accounts) are managed with discretion; $25M across 12 accounts are not. A wrap fee program the firm both sponsors and manages holds $276M. It advised 5 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 78% | 29% |
| High-net-worth individuals | 22% | 70% |
| Pension and profit-sharing plans | Fewer than 5 | <1% |
Client shares use reported counts. Client types without a reported count are excluded from that total.
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 394 | $153M | 29.5% | $388K |
| High-net-worth individuals | 113 | $363M | 69.9% | $3.21M |
| Pension and profit-sharing plans | Fewer than 5 | $3M | 0.6% | — |
| Total | 507 | $519M | 100% | — |
- Clients
- 394
- Regulatory AUM
- $153M
- AUM share
- 29.5%
- Avg. per client
- $388K
- Clients
- 113
- Regulatory AUM
- $363M
- AUM share
- 69.9%
- Avg. per client
- $3.21M
- Clients
- Fewer than 5
- Regulatory AUM
- $3M
- AUM share
- 0.6%
- Avg. per client
- —
Total
- Clients
- 507
- Regulatory AUM
- $519M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 5
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 251–500
Northstar Financial Companies charges 0.50%–1.25% a year for its Investment Management. The fee is billed in advance or in arrears and is negotiable. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Financial Planning
- Financial planning fees are negotiable, range from 0.25% to a maximum of 1% of assets under advisement, and are invoiced upon delivery of services.
Steven Girard owns 75% or more of Northstar Financial Companies. The leadership team of Northstar Financial Companies includes President Steven Girard and Chief Compliance Officer Julia Randall. It has 10 employees, 5 of them in advisory roles.
Leadership
- Steven GirardPresident
- Glenn WilliamsPresident of Ah Williams & Co. Inc.
- Julia RandallChief Compliance Officer
Investment adviser representatives
9 representatives listed in the SEC register as of 9 October 2026.
Staff
- 10 employees
- 5 in advisory functions
- 5 state-registered reps
- 3 insurance agents
- 1 soliciting firm
- Owns 75% or more of Northstar Financial Companies, Inc.
Steven Girard
Control person · since March 2003
- Owns 10% to 25% of Northstar Financial Companies, Inc.
Glenn Williams
since May 2021
Northstar Financial Companies’ regulatory assets grew 2.3× from $222M (June 2021) to $519M (March 2026); clients rose from 283 to 507 and employees from 7 to 10.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| March 2026 | $519M | 507 | 10 | 3 |
| March 2025 | $443M | 524 | 11 | 3 |
| June 2024 | $285M | 388 | 4 | 2 |
| March 2023 | $211M | 321 | 9 | 2 |
| February 2022 | $235M | 309 | 9 | 2 |
| June 2021 | $222M | 283 | 7 | 2 |
Besides its headquarters, Northstar Financial Companies has 2 offices, with 3 listed addresses in Colorado, Massachusetts and Pennsylvania.
Colorado · 1 listed address
- 13301 West 43rd Street, Golden
Massachusetts · 1 listed address
- 109 Fairhaven Road, Mattapoisett
Pennsylvania · 1 listed address
- 1201 E. Hector St, ConshohockenHQ
Other business names
Northstar Financial Companies has reported 1 other business name to the SEC.
- Crabtree Asset Management
Contact and registration details
- Legal name
- Northstar Financial Companies, Inc.
- Headquarters
- 1201 E. Hector St, Conshohocken, PA 19428
- Website
- northstarfci.com
- Phone
- 610-629-6100
- SEC file
- 801-115004
- Founded
- 1995
- Structure
- Pennsylvania corporation
- Fiscal year end
- December
Northstar Financial Companies uses Charles Schwab ($135M) as custodian for its separately managed accounts. Northstar Financial Companies has custody of $38M in client assets for 37 clients.
- Charles SchwabCharles Schwab & Co., Inc. · Omaha, TX · $135M100%
At year end, Northstar Financial Companies’ separately managed accounts were largely in funds (48%) and stocks (28%). Its reported 13F holdings for the quarter ended 30 June 2026 total $148M across 117 positions; the largest are iShares TR (9.2%), Visa Inc. (6.2%) and Vanguard Admiral Fds Inc. (3.9%).
What the accounts hold
- Stocks28%
- Funds48%
- Registered funds43%
- Pooled vehicles5%
- Bonds20%
- State and local bonds15%
- U.S. government and agency bonds4%
- Investment grade corporate bonds1%
- Cash4%
Reported 13F holdings
- $148M
- Reported 13F value
- 117
- Positions
- 38.1%
- In the 10 largest
- +18.0%
- Value vs. prior quarter
- iShares TR · Rus 1000 ETF9.2%
- Visa Inc. · Com CL A6.2%
- Vanguard Admiral Fds Inc. · 500 Grth Idx F3.9%
- Apple Inc.3.5%
- Vanguard Tax-managed Fds · Van FTSE Dev Mkt3.1%
- Micron Technology Inc.3.0%
- J P Morgan Exchange Traded F · Ultra Shrt ETF2.5%
- Microsoft Corp.2.4%
- Amazon Com Inc.2.3%
- Chevron Corporation2.2%
Together, the ten largest are 38.1% of reported value.
How many clients does Northstar Financial Companies have?
Northstar Financial Companies has 507 clients and manages $519 million for them, as of March 2026. They include 394 individual clients and 113 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 24 March 2026
What services does Northstar Financial Companies offer?
Northstar Financial Companies provides financial planning, portfolio management for individuals and small businesses, pension consulting, selecting other managers, business succession planning, education planning, estate planning, insurance, and tax planning.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
How much does Northstar Financial Companies charge?
Northstar Financial Companies charges 0.50%–1.25% a year for its Investment Management. The fee is billed in advance or in arrears and is negotiable.
Which custodians does Northstar Financial Companies use?
Northstar Financial Companies’ separately managed account assets are held at Charles Schwab & Co., Inc. (Omaha, TX), with $135M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 24 March 2026
How many financial advisors does Northstar Financial Companies have?
Northstar Financial Companies has 5 investment adviser representatives registered with state securities authorities, out of 10 employees, and 5 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 3 employees are licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Northstar Financial Companies invest in?
At the end of its last fiscal year, Northstar Financial Companies’ separately managed accounts held 43% registered funds (mutual funds, ETFs, BDCs), 28% exchange-traded equities, 15% state and local bonds, 5% pooled vehicles (private funds and similar), 4% U.S. government and agency bonds, 4% cash and equivalents and 1% investment grade corporate bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Northstar Financial Companies?
Northstar Financial Companies’ direct owners are Steven Girard (75% or more) and Glenn Williams (10% to 25%).
Source: Form ADV Part 1A, Schedules A and B, filed 24 March 2026
How does Northstar Financial Companies get paid?
Northstar Financial Companies is paid through a percentage of assets under management and hourly charges. 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
Is Northstar Financial Companies registered with the SEC?
Yes, Northstar Financial Companies has been registered with the SEC as an investment adviser since 12 April 2019. Its CRD number is 119396 and its SEC file number is 801-115004.
Source: Form ADV Part 1A, Item 1, filed 24 March 2026; IAPD firm record
How do I contact Northstar Financial Companies?
Northstar Financial Companies’ main office is at 1201 E. Hector St, Conshohocken, PA 19428. Its phone number is 610-629-6100. Its website is northstarfci.com.