Sterling Investment Advisors, Ltd.
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed February 9, 2026), Sterling Investment Advisors, Ltd. reported 211 stock positions worth $542.9 million. Its top holding was Apple (AAPL) at 6.8% of the portfolio, followed by JPMorgan Flexible Debt ETF (JFLX, 3.8%) and Alphabet Class A (GOOGL, 3.2%). Compared with Q3 2025, it opened 17 new positions, sold out of 8, added to 81 and reduced 62. The biggest buy was SPDR Gold Shares (GLD, shares +22225%) and the biggest sale an exit from SPDR Gold Minishares Trust (GLDM).
- Most Recent 13F
- Q2 2026
- Location
- BERWYN, PA
- CIK
- 0001701132
- Portfolio Value
- $542.9M (Q4 2025)
- SEC Filing
- 0001701132-26-000001 ↗ filed Feb 9, 2026
Holdings Value
Holdings 211 stocks · $542.9M
| AAPL Apple Inc. | 6.75% | 134,825 | $36.7M | Reduce -0.2% |
| JFLX JPMorgan Flexible Debt ETF | 3.83% | 413,979 | $20.8M | Add +12.1% |
| GOOGL Alphabet Inc. Class A | 3.19% | 55,294 | $17.3M | Reduce -3.7% |
| AMZN Amazon.com Inc. | 3.08% | 72,553 | $16.7M | Add +0.8% |
| NVDA Nvidia Corp. | 2.78% | 80,792 | $15.1M | Add +0.8% |
| GDX Vaneck Gold Miners ETF | 2.37% | 149,888 | $12.9M | Reduce -9.0% |
| MSFT Microsoft Corp. | 2.33% | 26,117 | $12.6M | Add +2.1% |
| GMED Globus Medical Inc. Class A | 2.32% | 144,023 | $12.6M | Reduce -8.3% |
| KMI Kinder Morgan Inc. | 2.27% | 448,929 | $12.3M | Add +0.1% |
| GLD SPDR Gold Shares | 2.03% | 127,027 | $11.0M | Add +22224.6% |
| CRWD CrowdStrike Holdings Inc. Class A | 1.99% | 23,072 | $10.8M | Reduce -1.2% |
| DVY iShares Select Dividend ETF | 1.86% | 71,467 | $10.1M | Add +0.3% |
| GS Goldman Sachs Group Inc. | 1.83% | 11,326 | $10.0M | Reduce -4.3% |
| SPSM SS SPDR P S&P 600 Small Cap | 1.81% | 81,705 | $9.8M | Add +0.6% |
| COST Costco Wholesale Corp. | 1.51% | 9,495 | $8.2M | Add +1.4% |
| JPM JPMorgan Chase & Co. | 1.45% | 24,392 | $7.9M | Add +1.2% |
| JEPI JPMorgan Equity Premium Inco | 1.39% | 131,429 | $7.5M | Add +4.0% |
| V Visa Inc. Class A | 1.38% | 21,439 | $7.5M | Add +0.8% |
| LMT Lockheed Martin Corp. | 1.35% | 15,150 | $7.3M | Add +1.1% |
| KKR KKR & Co. Inc. | 1.33% | 56,506 | $7.2M | Reduce -0.6% |
| HD Home Depot Inc. | 1.29% | 20,387 | $7.0M | Add +0.0% |
| UTG Reaves Utility Income Fund | 1.28% | 189,328 | $6.9M | Reduce -0.8% |
| META Meta Platforms Inc. Class A | 1.15% | 9,438 | $6.2M | Add +4.1% |
| ALERIAN MLP ETF filed as ALPS | 1.09% | 125,620 | $5.9M | Add +19.7% |
| GOOG Alphabet Inc. Class C | 1.08% | 18,679 | $5.9M | Reduce -2.2% |
| WMT Walmart Inc. | 1.01% | 49,377 | $5.5M | Add +1.6% |
| JNJ Johnson & Johnson | 1.01% | 26,524 | $5.5M | Reduce -17.6% |
| HOLA JPM Intll HDG Eq LDDR Ovrly filed as J P MORGAN EXCHANGE TRADED F | 0.95% | 98,677 | $5.2M | Add +20.3% |
| TSLA Tesla Inc. | 0.91% | 11,006 | $4.9M | Add +6.2% |
| BINC iShares Flex I A ETF-Usd Inc. | 0.90% | 92,800 | $4.9M | New |
| MOAT Vaneck Morningstar Wide Moat | 0.90% | 47,149 | $4.9M | Reduce -1.9% |
| CWB SS SPDR BB Conv Sec ETF | 0.89% | 54,257 | $4.8M | Reduce -1.1% |
| CVX Chevron Corp. | 0.89% | 31,559 | $4.8M | Add +2.7% |
| BIZD Vaneck BDC Income ETF | 0.88% | 337,425 | $4.8M | New |
| HRTS Tema Heart & Health ETF | 0.87% | 134,560 | $4.7M | Reduce -4.1% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.87% | 9,431 | $4.7M | Reduce -1.1% |
| XOM Exxon Mobil Corp. | 0.87% | 39,292 | $4.7M | Reduce -0.6% |
| SHOP Shopify Inc. Class A | 0.86% | 29,042 | $4.7M | Reduce -11.1% |
| MUB iShares National Muni Bond E | 0.85% | 43,029 | $4.6M | Add +25.1% |
| TFC Truist Financial Corp. | 0.84% | 92,796 | $4.6M | Add +0.0% |
| BOTZ Global X Robotics & Artifici | 0.81% | 121,980 | $4.4M | Add +1.8% |
| AMGN Amgen Inc. | 0.80% | 13,259 | $4.3M | Add +0.9% |
| PLTR Palantir Technologies Inc. Class A | 0.75% | 23,053 | $4.1M | Reduce -5.5% |
| RSP Guggenheim S&P 500 Equal Wei | 0.72% | 20,452 | $3.9M | Add +0.5% |
| CAH Cardinal Health Inc. | 0.68% | 18,025 | $3.7M | Reduce -2.3% |
| VRT Vertiv Holdings Co. Class A | 0.67% | 22,476 | $3.6M | Add +26.1% |
| DE Deere & Co. | 0.67% | 7,763 | $3.6M | Reduce -4.2% |
| BLK BlackRock Finance Inc. | 0.65% | 3,315 | $3.5M | Add +1.4% |
| VPU Vanguard Utilities ETF | 0.65% | 18,982 | $3.5M | No change |
| NLR Vaneck Urani & Nuclr ETF-Usd | 0.60% | 26,400 | $3.3M | Add +4.0% |
| HON Honeywell International Inc. | 0.59% | 16,475 | $3.2M | Reduce -0.9% |
| SCHW Schwab (charles) Corp. | 0.58% | 31,571 | $3.2M | Reduce -2.0% |
| OHI Omega Healthcare Investors | 0.57% | 69,855 | $3.1M | Add +0.6% |
| CMI Cummins Inc. | 0.56% | 5,980 | $3.1M | Reduce -1.2% |
| LOW Lowe's Cos Inc. | 0.55% | 12,480 | $3.0M | Reduce -3.0% |
| REMX Vaneck Rar Earth ND STG-Usdi | 0.55% | 40,510 | $3.0M | New |
| BX Blackstone Inc. | 0.55% | 19,424 | $3.0M | Reduce -0.6% |
| PFF iShares Preferred & Income S | 0.53% | 93,771 | $2.9M | Reduce -3.1% |
| MOS The Mosaic Co. | 0.53% | 120,262 | $2.9M | Reduce -11.3% |
| PG The Procter & Gamble Co. | 0.52% | 19,534 | $2.8M | Reduce -1.9% |
| Merck & Co. | 0.51% | 26,383 | $2.8M | Add +4.4% |
| REGN Regeneron Pharmaceuticals | 0.48% | 3,352 | $2.6M | Reduce -1.9% |
| ZS Zscaler Inc. | 0.46% | 11,030 | $2.5M | Reduce -1.9% |
| MDY State Street SPDR S&P Midcap | 0.46% | 4,098 | $2.5M | Reduce -4.7% |
| PFE Pfizer Inc. | 0.45% | 97,560 | $2.4M | Add +5.4% |
| LLY Eli Lilly & Co. | 0.44% | 2,215 | $2.4M | Add +1.8% |
| ETN Eaton Corp. PLC | 0.43% | 7,259 | $2.3M | Reduce -1.0% |
| SPMD SS SPDR P S&P 400 Midcap ETF | 0.42% | 39,098 | $2.3M | Reduce -1.4% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.41% | 3,238 | $2.2M | Reduce -3.6% |
| MDT Medtronic Inc | 0.40% | 22,750 | $2.2M | Add +5.3% |
| ORCL Oracle Corp. | 0.39% | 10,996 | $2.1M | Reduce -0.9% |
| AMT American Tower Corp. | 0.37% | 11,356 | $2.0M | Reduce -7.8% |
| MUNI PIMCO Intermediate Municipal | 0.35% | 36,200 | $1.9M | Add +77.7% |
| EMR Emerson Electric Co. | 0.34% | 14,036 | $1.9M | Add +0.0% |
| IBIT iShares Bitcoin Trust ETF | 0.33% | 36,386 | $1.8M | Reduce -2.3% |
| MCD McDonald's Corp. | 0.33% | 5,799 | $1.8M | Add +0.6% |
| PEP Pepsico Inc. | 0.32% | 12,151 | $1.7M | Reduce -4.0% |
| CSCO Cisco Systems Inc. | 0.32% | 22,587 | $1.7M | Add +0.0% |
| Invesco QQQ Trust | 0.31% | 2,756 | $1.7M | Add +2.3% |
| MINO PIMCO Municipal Income Oppor | 0.31% | 37,015 | $1.7M | Add +84.2% |
| PAYX Paychex Inc. | 0.31% | 14,852 | $1.7M | Reduce -2.6% |
| SMH Vaneck Semiconductor ETF | 0.28% | 4,241 | $1.5M | Reduce -3.3% |
| ABT Abbott Laboratories | 0.28% | 12,156 | $1.5M | Add +0.0% |
| EFA iShares MSCI Eafe ETF | 0.27% | 15,555 | $1.5M | Add +4.8% |
| KO The Coca-Cola Co. | 0.27% | 20,679 | $1.4M | Add +0.1% |
| JBND JPMorgan Active Bond ETF | 0.24% | 24,410 | $1.3M | Add +8.0% |
| JCPB JPMorgan Core Plus Bond ETF | 0.24% | 27,020 | $1.3M | Add +8.0% |
| FNX First Trust Mid Cap Core Alp | 0.23% | 10,095 | $1.3M | No change |
| SPYG SS SPDR P S&P 500 Growth ETF | 0.23% | 11,778 | $1.3M | Add +0.0% |
| JEPQ JPM Nasdaq Equity Premium filed as J P MORGAN EXCHANGE TRADED F | 0.23% | 21,609 | $1.3M | Add +0.0% |
| EEM iShares MSCI Emerging Market | 0.22% | 21,445 | $1.2M | Add +9.7% |
| SYK Stryker Corp. | 0.21% | 3,221 | $1.1M | No change |
| GLW Corning Inc. | 0.21% | 12,780 | $1.1M | Reduce -7.3% |
| GDXJ Vaneck Junior Gold Miners | 0.20% | 9,550 | $1.1M | Reduce -11.6% |
| CAT Caterpillar Inc. | 0.20% | 1,851 | $1.1M | Reduce -5.1% |
| WTRG Essential Utilities Inc. | 0.19% | 26,908 | $1.0M | Add +4.3% |
| MDLZ Mondelez International Inc. Class A | 0.19% | 19,165 | $1.0M | Reduce -18.0% |
| RTX RTX Corp. | 0.18% | 5,365 | $984K | No change |
| PPL PPL Corp. | 0.18% | 27,261 | $955K | Reduce -1.5% |
| GIS General Mills Inc. | 0.18% | 20,475 | $952K | No change |
Portfolio Sells Q3 2025 → Q4 2025
| GLDM SPDR Gold Minishares Trust | Sold out | 0.00% | −2.03 |
| FNF Fidelity National Financial | Sold out | 0.00% | −0.43 |
| MOS The Mosaic Co. | Reduce -11.3% | 0.53% | −0.38 |
| CRWD CrowdStrike Holdings Inc. Class A | Reduce -1.2% | 1.99% | −0.24 |
| ORCL Oracle Corp. | Reduce -0.9% | 0.39% | −0.21 |
| ZS Zscaler Inc. | Reduce -1.9% | 0.46% | −0.20 |
| UTG Reaves Utility Income Fund | Reduce -0.8% | 1.28% | −0.20 |
| JNJ Johnson & Johnson | Reduce -17.6% | 1.01% | −0.15 |
| IBIT iShares Bitcoin Trust ETF | Reduce -2.3% | 0.33% | −0.14 |
| GTLB Gitlab Inc. Class A | Sold out | 0.00% | −0.13 |
| AUR Aurora Innovation Inc. | Reduce -18.4% | 0.14% | −0.12 |
| PLTR Palantir Technologies Inc. Class A | Reduce -5.5% | 0.75% | −0.11 |
| KKR KKR & Co. Inc. | Reduce -0.6% | 1.33% | −0.11 |
| ETN Eaton Corp. PLC | Reduce -1.0% | 0.43% | −0.11 |
| BX Blackstone Inc. | Reduce -0.6% | 0.55% | −0.10 |
| MDLZ Mondelez International Inc. Class A | Reduce -18.0% | 0.19% | −0.09 |
| AMT American Tower Corp. | Reduce -7.8% | 0.37% | −0.09 |
| HON Honeywell International Inc. | Reduce -0.9% | 0.59% | −0.09 |
| SHOP Shopify Inc. Class A | Reduce -11.1% | 0.86% | −0.08 |
| GDX Vaneck Gold Miners ETF | Reduce -9.0% | 2.37% | −0.08 |
| PG The Procter & Gamble Co. | Reduce -1.9% | 0.52% | −0.08 |
| LOW Lowe's Cos Inc. | Reduce -3.0% | 0.55% | −0.07 |
| CWB SS SPDR BB Conv Sec ETF | Reduce -1.1% | 0.89% | −0.07 |
| PAYX Paychex Inc. | Reduce -2.6% | 0.31% | −0.07 |
| PFF iShares Preferred & Income S | Reduce -3.1% | 0.53% | −0.06 |
| BRK.B Berkshire Hathaway Inc. Class B | Reduce -1.1% | 0.87% | −0.06 |
| DE Deere & Co. | Reduce -4.2% | 0.67% | −0.06 |
| APD Air Products & Chemicals Inc. | Reduce -25.9% | 0.09% | −0.05 |
| COIN Coinbase Global Inc. Class A | Sold out | 0.00% | −0.04 |
| MDY State Street SPDR S&P Midcap | Reduce -4.7% | 0.46% | −0.04 |
| ADP Automatic Data Processing | Sold out | 0.00% | −0.04 |
| DELL COMPUTER CORP | Sold out | 0.00% | −0.04 |
| QCOM Qualcomm Inc. | Sold out | 0.00% | −0.04 |
| PSA Public Storage | Reduce -3.2% | 0.14% | −0.03 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -3.6% | 0.41% | −0.03 |
| MOAT Vaneck Morningstar Wide Moat | Reduce -1.9% | 0.90% | −0.03 |
| CMCSA Comcast Corp. Class A | Reduce -6.9% | 0.13% | −0.02 |
| PEP Pepsico Inc. | Reduce -4.0% | 0.32% | −0.02 |
| PPL PPL Corp. | Reduce -1.5% | 0.18% | −0.02 |
| SPMD SS SPDR P S&P 400 Midcap ETF | Reduce -1.4% | 0.42% | −0.02 |
| SCHW Schwab (charles) Corp. | Reduce -2.0% | 0.58% | −0.02 |
| BND Vanguard Total Bond Market | Reduce -10.0% | 0.09% | −0.02 |
| MO Altria Group Inc. | Reduce -0.0% | 0.07% | −0.01 |
| GLW Corning Inc. | Reduce -7.3% | 0.21% | −0.01 |
| FEX First Trust Large Cap Core A | Reduce -5.0% | 0.14% | −0.01 |
| ADBE Adobe Inc. | Reduce -12.5% | 0.05% | −0.01 |
| ZTS Zoetis Inc. | Reduce -1.2% | 0.04% | −0.01 |
| DIS The Walt Disney Co. | Reduce -2.6% | 0.11% | −0.01 |
| GDXJ Vaneck Junior Gold Miners | Reduce -11.6% | 0.20% | −0.01 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -0.0% | 0.17% | −0.01 |
Portfolio Buys Q3 2025 → Q4 2025
| GLD SPDR Gold Shares | Add +22224.6% | 2.03% | +1.99 |
| BINC iShares Flex I A ETF-Usd Inc. | New | 0.90% | +0.90 |
| BIZD Vaneck BDC Income ETF | New | 0.88% | +0.88 |
| REMX Vaneck Rar Earth ND STG-Usdi | New | 0.55% | +0.55 |
| JFLX JPMorgan Flexible Debt ETF | Add +12.1% | 3.83% | +0.22 |
| JMUB JPMorgan Municipal ETF | New | 0.15% | +0.15 |
| VRT Vertiv Holdings Co. Class A | Add +26.1% | 0.67% | +0.15 |
| MUNI PIMCO Intermediate Municipal | Add +77.7% | 0.35% | +0.14 |
| MUB iShares National Muni Bond E | Add +25.1% | 0.85% | +0.14 |
| MINO PIMCO Municipal Income Oppor | Add +84.2% | 0.31% | +0.13 |
| ALERIAN MLP ETF | Add +19.7% | 1.09% | +0.13 |
| HOLA JPM Intll HDG Eq LDDR Ovrly | Add +20.3% | 0.95% | +0.13 |
| LLY Eli Lilly & Co. | Add +1.8% | 0.44% | +0.12 |
| Merck & Co. | Add +4.4% | 0.51% | +0.10 |
| ETHA iShares Ethereum Trust ETF | Add +342.2% | 0.13% | +0.08 |
| AMGN Amgen Inc. | Add +0.9% | 0.80% | +0.08 |
| SBIO Alps Medical Breakthroughs | Add +81.2% | 0.14% | +0.08 |
| IVV iShares Core S&P 500 ETF | Add +121.8% | 0.14% | +0.08 |
| TSPA T Rowe Price US Eqy Research | New | 0.07% | +0.07 |
| IAU iShares Gold Trust | New | 0.07% | +0.07 |
| ALAB Astera Labs Inc. | New | 0.06% | +0.06 |
| BXSL Blackstone Secured Lending F | New | 0.05% | +0.05 |
| DBEF Xtrackers MSCI Eafe Hedged E | New | 0.05% | +0.05 |
| FDIG Fidelity Crypto Indu & DGTL | New | 0.05% | +0.05 |
| FDX FedEx Corp. | New | 0.05% | +0.05 |
| VB Vanguard Most SM-Cap ETF-Usd | New | 0.04% | +0.04 |
| IBDV iShares Ibonds Dec 2030 Corp. | New | 0.04% | +0.04 |
| DOCN Digitalocean Holdings Inc. | New | 0.04% | +0.04 |
| WMT Walmart Inc. | Add +1.6% | 1.01% | +0.04 |
| TCAF T Rowe PRC Cap Appreciation | New | 0.04% | +0.04 |
| RIO Rio Tinto PLC-Spon ADR | New | 0.04% | +0.04 |
| AMD Advanced Micro Devices | Add +3.5% | 0.14% | +0.03 |
| FORD MOTOR CO | New | 0.03% | +0.03 |
| BROADCOM INC | Add +19.8% | 0.17% | +0.03 |
| IBDX iShares Ibonds Dec 2032 TC | Add +35.2% | 0.12% | +0.02 |
| CSCO Cisco Systems Inc. | Add +0.0% | 0.32% | +0.02 |
| ICF iShares Select U.S. REIT ETF | Add +41.2% | 0.08% | +0.02 |
| IBDY iShares Ibonds Dec 2033 Corp. | Add +25.8% | 0.11% | +0.02 |
| SCHD Schwab US DVD Equity ETF | Add +26.6% | 0.09% | +0.02 |
| TFC Truist Financial Corp. | Add +0.0% | 0.84% | +0.02 |
| TSLA Tesla Inc. | Add +6.2% | 0.91% | +0.01 |
| CRM Salesforce Inc. | Add +28.5% | 0.06% | +0.01 |
| IJH iShares Core S&P Midcap ETF | Add +17.6% | 0.13% | +0.01 |
| EEM iShares MSCI Emerging Market | Add +9.7% | 0.22% | +0.01 |
| IBM Intl Business Machines Corp. | Add +12.9% | 0.11% | +0.01 |
| IBDW iShares Ibonds Dec 2031 Corp. | Add +25.2% | 0.08% | +0.01 |
| AMZN Amazon.com Inc. | Add +0.8% | 3.08% | +0.01 |
| PWR Quanta Services Inc. | Add +21.8% | 0.07% | +0.01 |
| EFA iShares MSCI Eafe ETF | Add +4.8% | 0.27% | +0.01 |
| JBND JPMorgan Active Bond ETF | Add +8.0% | 0.24% | +0.00 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 224 | $598.5M | AAPL, DVY, JFLX, GOOGL, CRWD |
| Q1 2026 | 212 | $552.4M | AAPL, JFLX, DVY, GOOGL, AMZN |
| Q4 2025 | 211 | $542.9M | AAPL, JFLX, GOOGL, AMZN, NVDA |
| Q3 2025 | 202 | $513.9M | AAPL, JFLX, AMZN, NVDA, GOOGL |
| Q2 2025 | 182 | $456.1M | AAPL, AMZN, KMI, NVDA, MSFT |
| Q1 2025 | 174 | $416.5M | AAPL, AMZN, KMI, GMED, GDX |
| Q4 2024 | 161 | $412.5M | AAPL, AMZN, KMI, GMED, GOOGL |
| Q3 2024 | 151 | $394.6M | AAPL, AMZN, GMED, KMI, MSFT |
| Q2 2024 | 137 | $369.9M | AAPL, AMZN, GMED, GOOGL, KMI |
| Q1 2024 | 140 | $355.7M | AAPL, AMZN, KMI, GOOGL, GMED |