Sterling Wealth Management, Inc.

In its 13F for Q4 2024 (holdings as of December 31, 2024, filed February 14, 2025), Sterling Wealth Management, Inc. reported 108 stock positions worth $270.8 million. Its top holding was VG Morningstar TS MKT ETF-US (VTI) at 12.2% of the portfolio, followed by Dimension Ultrashort Fi ETF (DUSB, 9.3%) and Dimensional US Target Value (DFAT, 5.7%). Compared with Q3 2024, it opened 4 new positions, sold out of 7, added to 32 and reduced 40. The biggest buy was Dimensional US High Profi Et (DUHP, shares +27%) and the biggest sale Vanguard Real Estate ETF (VNQ, shares −8%).

Most Recent 13F
Q2 2026
Location
Champaign, IL
CIK
0002011149
Portfolio Value
$270.8M (Q4 2024)
SEC Filing
0001172661-25-001058 ↗ filed Feb 14, 2025

Holdings Value

0$100.0M$200.0M$300.0M$400.0M$500.0M Q1 2024: $201.0M Q1 2024 Q2 2024: $210.7M Q2 2024 Q3 2024: $267.9M Q3 2024 Q4 2024: $270.8M $270.8M Q4 2024 Q2 2025: $293.5M Q2 2025 Q3 2025: $329.9M Q3 2025 Q4 2025: $350.5M Q4 2025 Q1 2026: $364.3M Q1 2026 Q2 2026: $402.3M Q2 2026

Holdings 108 stocks · $270.8M
VTI VG Morningstar TS MKT ETF-US 12.17% 113,675 $32.9M Add +3.2%
DUSB Dimension Ultrashort Fi ETF 9.33% 499,124 $25.3M Add +0.2%
DFAT Dimensional US Target Value 5.75% 279,506 $15.6M Add +7.0%
VEA Vanguard Ftse Developed ETF 4.58% 259,312 $12.4M Add +6.4%
DFUV Dimensional US Marketwide Va 4.50% 297,739 $12.2M Add +0.0%
DUHP Dimensional US High Profi Et 4.37% 350,441 $11.8M Add +27.0%
DFAS Dimensional US Small Cap ETF 4.07% 169,528 $11.0M Add +4.3%
DFAE Dimensional Emerging Core Eq 3.64% 388,160 $9.8M Add +9.6%
DFAC Dimensional US Core Equity 2 3.59% 280,982 $9.7M Reduce -0.1%
VWO Vanguard Ftse Emerging Marke 3.24% 199,162 $8.8M Add +0.8%
DFCF Dimensional Core Fixed Inc. 3.23% 211,681 $8.7M Add +22.7%
DFLV Dim US Large Cap Value ETF 2.86% 257,992 $7.7M Add +12.5%
VBR Vngrd Mrngst SL-CP Val ETF-U 2.84% 38,822 $7.7M Reduce -1.4%
DFSD Dimensional Short Duration 2.63% 151,785 $7.1M Add +15.4%
HUBB Hubbell Inc. 2.26% 14,588 $6.1M No change
VNQ Vanguard Real Estate ETF 1.71% 51,936 $4.6M Reduce -7.6%
AAPL Apple Inc. 1.60% 17,277 $4.3M Reduce -1.7%
VXUS Vanguard Total Intl Stock 1.47% 67,403 $4.0M Add +0.5%
MCD McDonald's Corp. 1.33% 12,381 $3.6M No change
DFIV Dimensional International Va 1.31% 100,163 $3.6M Add +8.3%
DFUS Dimensional US Eq MKT ETF 1.18% 50,209 $3.2M Add +0.3%
DFGX Dimsnl Intr CF in ETF-Usd Inc. 1.09% 56,469 $3.0M Add +13.4%
IUSV iShares Core S&P U.S. Value 0.91% 26,531 $2.5M Add +0.5%
MSFT Microsoft Corp. 0.90% 5,779 $2.4M Reduce -2.6%
DFGR Dim Global Real Estate ETF 0.88% 93,732 $2.4M Add +3.0%
EFV iShares MSCI Eafe Value ETF 0.78% 40,006 $2.1M Reduce -0.1%
DISV Dimensional International SM 0.77% 77,994 $2.1M Add +16.0%
VUG Vanguard Mrngstar GR ETF-Sui 0.64% 4,241 $1.7M Add +0.1%
IVV iShares Core S&P 500 ETF 0.63% 2,900 $1.7M Reduce -25.7%
JPM JPMorgan Chase & Co. 0.58% 6,544 $1.6M Reduce -1.1%
AXP American Express Co. 0.56% 5,128 $1.5M No change
DFIS Dimensional International SM 0.48% 53,421 $1.3M Add +15.6%
PEP Pepsico Inc. 0.48% 8,565 $1.3M Reduce -0.6%
CMCSA Comcast Corp. Class A 0.47% 33,809 $1.3M No change
XOM Exxon Mobil Corp. 0.43% 10,894 $1.2M Reduce -2.2%
LLY Eli Lilly & Co. 0.43% 1,494 $1.2M No change
SPDW Ste STR SPDR PT DW Eu ETF 0.42% 33,170 $1.1M Reduce -2.3%
SHW The Sherwin-Williams Co. 0.42% 3,307 $1.1M No change
CSCO Cisco Systems Inc. 0.40% 18,197 $1.1M Reduce -2.1%
REET iShares Global REIT ETF 0.35% 39,764 $953K Reduce -4.8%
JNJ Johnson & Johnson 0.32% 5,946 $860K Reduce -1.2%
PG The Procter & Gamble Co. 0.31% 5,030 $843K Reduce -0.8%
DFAW Dimensional World Eqty ETF 0.31% 13,322 $832K Add +35.3%
GOOGL Alphabet Inc. Class A 0.29% 4,181 $791K No change
CAT Caterpillar Inc. 0.29% 2,169 $787K No change
VYM Vanguard High DVD Yield ETF 0.28% 6,027 $769K No change
GOOG Alphabet Inc. Class C 0.28% 3,997 $761K Reduce -4.8%
CVX Chevron Corp. 0.28% 5,172 $749K No change
DE Deere & Co. 0.28% 1,763 $747K No change
DFAI Dimensional International Co. 0.27% 24,992 $730K Add +0.1%
BRK.B Berkshire Hathaway Inc. Class B 0.25% 1,480 $671K Reduce -2.0%
MA Mastercard Inc. Class A 0.24% 1,224 $645K Reduce -2.8%
MRSH Marsh & McLennan Cos 0.22% 2,813 $598K No change
SCHC Schwab Intl Small-Cap Equity 0.21% 16,960 $582K Add +0.0%
HYG Ishr Ibx Usd Hiyld CB ETF-Ui 0.21% 7,341 $577K No change
AMP Ameriprise Financial Inc. 0.20% 1,020 $543K No change
ABBV Abbvie Inc. 0.19% 2,967 $527K Add +0.0%
SCHB Schwab US Broad Market ETF 0.19% 22,939 $521K No change
IJR iShares Core S&P Small-Cap E 0.19% 4,508 $519K Reduce -4.8%
VOO Vanguard S&P 500 ETF 0.19% 941 $507K Add +0.5%
HD Home Depot Inc. 0.19% 1,295 $504K No change
HON Honeywell International Inc. 0.18% 2,207 $499K No change
BMY Bristol-Myers Squibb Co. 0.18% 8,665 $490K Reduce -0.9%
ESGV Vanguard ESG US Stock ETF 0.18% 4,594 $482K Add +0.1%
QCOM Qualcomm Inc. 0.18% 3,091 $475K Reduce -1.3%
YUM Yum! Brands Inc. 0.17% 3,383 $454K New
AMZN Amazon.com Inc. 0.17% 2,059 $452K Reduce -9.6%
ITW Illinois Tool Works 0.16% 1,712 $434K No change
VGT Vanguard Info Tech ETF 0.15% 674 $419K No change
INTC Intel Corp. 0.15% 20,732 $416K Add +14.4%
CMI Cummins Inc. 0.15% 1,184 $413K Reduce -1.5%
AEP American Electric Power 0.15% 4,351 $401K No change
VTV Vanguard Mrngstr Val ETF-Aui 0.15% 2,370 $401K Reduce -0.1%
LECO Lincoln Electric Holdings 0.14% 2,080 $390K No change
MRK Merck & Co. Inc. 0.14% 3,836 $382K Reduce -9.4%
MUB iShares National Muni Bond E 0.14% 3,506 $374K Reduce -20.4%
VTEB Vanguard Tax-Exempt Bond ETF 0.13% 7,262 $364K No change
SPSM SS SPDR P S&P 600 Small Cap 0.13% 7,975 $358K No change
GRC Gorman-Rupp Co. 0.13% 9,435 $358K No change
SPEM State Street SP PTF Em ETF 0.13% 9,219 $354K Reduce -8.4%
NVDA Nvidia Corp. 0.13% 2,593 $348K Reduce -36.2%
ABT Abbott Laboratories 0.13% 3,029 $343K Add +0.0%
JHMM John Hancock Multi Fact Mid 0.12% 5,440 $325K No change
DIS The Walt Disney Co. filed as DISNEY WALT CO 0.12% 2,894 $322K Reduce -2.2%
KO The Coca-Cola Co. 0.12% 5,079 $316K No change
ORCL Oracle Corp. 0.11% 1,855 $309K Reduce -5.0%
ITIC Investors Title Co. 0.11% 1,296 $307K No change
GE General Electric filed as GE AEROSPACE 0.11% 1,769 $295K Add +0.1%
DFNM Dimensional National Muni BD 0.10% 5,870 $280K Add +0.2%
IJS iShares S&P Small-Cap 600 Va 0.10% 2,560 $278K Add +0.0%
ITOT iShares Core S&P Total U.S. 0.10% 2,113 $272K Reduce -24.3%
DVY iShares Select Dividend ETF 0.10% 1,961 $257K No change
ADP Automatic Data Processing 0.09% 872 $255K No change
FE Firstenergy Corp. 0.09% 6,359 $253K Reduce -15.0%
MMM 3M Co. 0.09% 1,939 $250K No change
IQLT iShares MSCI International Q 0.09% 6,346 $236K Reduce -6.3%
BIV Vanguard Intermediate-Term B 0.09% 3,081 $230K Reduce -6.5%
VV Vngrd Mrgstr LRG-Cap ETF-Usd 0.08% 848 $229K No change
VSS Vanguard Ftse All Wo X-US SC 0.08% 1,886 $216K Reduce -1.6%
BSV Vanguard Short-Term Bond ETF 0.08% 2,762 $213K Reduce -16.1%

Show all 108 holdings

Portfolio Sells Q3 2024 → Q4 2024
VNQ Vanguard Real Estate ETF Reduce -7.6% 1.71% −0.34
IVV iShares Core S&P 500 ETF Reduce -25.7% 0.63% −0.21
QQQ Invesco QQQ Trust Series 1 Sold out 0.00% −0.17
VBR Vngrd Mrngst SL-CP Val ETF-U Reduce -1.4% 2.84% −0.11
CVS CVS Health Corp. Sold out 0.00% −0.10
GWX State Street SPDR S&P Intern Sold out 0.00% −0.09
VCSH Vanguard S/T Corp. Bond ETF Sold out 0.00% −0.09
EFV iShares MSCI Eafe Value ETF Reduce -0.1% 0.78% −0.08
META Meta Platforms Inc. Class A Sold out 0.00% −0.08
HYD Vaneck High Yield Muni ETF Sold out 0.00% −0.08
MBB iShares MBS ETF Sold out 0.00% −0.07
PEP Pepsico Inc. Reduce -0.6% 0.48% −0.07
REET iShares Global REIT ETF Reduce -4.8% 0.35% −0.06
SPDW Ste STR SPDR PT DW Eu ETF Reduce -2.3% 0.42% −0.06
NVDA Nvidia Corp. Reduce -36.2% 0.13% −0.06
XOM Exxon Mobil Corp. Reduce -2.2% 0.43% −0.05
MSFT Microsoft Corp. Reduce -2.6% 0.90% −0.05
JNJ Johnson & Johnson Reduce -1.2% 0.32% −0.05
MUB iShares National Muni Bond E Reduce -20.4% 0.14% −0.04
MRK Merck & Co. Inc. Reduce -9.4% 0.14% −0.04
FE Firstenergy Corp. Reduce -15.0% 0.09% −0.03
ITOT iShares Core S&P Total U.S. Reduce -24.3% 0.10% −0.03
SPEM State Street SP PTF Em ETF Reduce -8.4% 0.13% −0.02
QCOM Qualcomm Inc. Reduce -1.3% 0.18% −0.02
AMGN Amgen Inc. Reduce -3.7% 0.08% −0.02
PFE Pfizer Inc. Reduce -11.3% 0.07% −0.02
IQLT iShares MSCI International Q Reduce -6.3% 0.09% −0.02
BSV Vanguard Short-Term Bond ETF Reduce -16.1% 0.08% −0.02
CEG Constellation Energy Reduce -3.6% 0.08% −0.02
PG The Procter & Gamble Co. Reduce -0.8% 0.31% −0.02
IJR iShares Core S&P Small-Cap E Reduce -4.8% 0.19% −0.01
DFAC Dimensional US Core Equity 2 Reduce -0.1% 3.59% −0.01
BRK.B Berkshire Hathaway Inc. Class B Reduce -2.0% 0.25% −0.01
BIV Vanguard Intermediate-Term B Reduce -6.5% 0.09% −0.01
VSS Vanguard Ftse All Wo X-US SC Reduce -1.6% 0.08% −0.01
ORCL Oracle Corp. Reduce -5.0% 0.11% −0.01
VTV Vanguard Mrngstr Val ETF-Aui Reduce -0.1% 0.15% −0.01
IJH iShares Core S&P Midcap ETF Reduce -2.8% 0.08% −0.00
MA Mastercard Inc. Class A Reduce -2.8% 0.24% +0.01
CMI Cummins Inc. Reduce -1.5% 0.15% +0.01
AMZN Amazon.com Inc. Reduce -9.6% 0.17% +0.01
BMY Bristol-Myers Squibb Co. Reduce -0.9% 0.18% +0.01
DIS The Walt Disney Co. Reduce -2.2% 0.12% +0.01
GOOG Alphabet Inc. Class C Reduce -4.8% 0.28% +0.02
CSCO Cisco Systems Inc. Reduce -2.1% 0.40% +0.03
JPM JPMorgan Chase & Co. Reduce -1.1% 0.58% +0.06
AAPL Apple Inc. Reduce -1.7% 1.60% +0.07

Portfolio Buys Q3 2024 → Q4 2024
DUHP Dimensional US High Profi Et Add +27.0% 4.37% +0.86
VTI VG Morningstar TS MKT ETF-US Add +3.2% 12.17% +0.52
DFCF Dimensional Core Fixed Inc. Add +22.7% 3.23% +0.44
DFAT Dimensional US Target Value Add +7.0% 5.75% +0.32
DFSD Dimensional Short Duration Add +15.4% 2.63% +0.28
DFLV Dim US Large Cap Value ETF Add +12.5% 2.86% +0.22
YUM Yum! Brands Inc. New 0.17% +0.17
DFAS Dimensional US Small Cap ETF Add +4.3% 4.07% +0.14
DFGX Dimsnl Intr CF in ETF-Usd Inc. Add +13.4% 1.09% +0.09
IWF iShares Russell 1000 Growth New 0.08% +0.08
ALL Allstate Corp. New 0.07% +0.07
DFAW Dimensional World Eqty ETF Add +35.3% 0.31% +0.07
DFSU Dimensional US Sus CORE1 ETF New 0.07% +0.07
DISV Dimensional International SM Add +16.0% 0.77% +0.04
VUG Vanguard Mrngstar GR ETF-Sui Add +0.1% 0.64% +0.04
DFIS Dimensional International SM Add +15.6% 0.48% +0.02
DFUS Dimensional US Eq MKT ETF Add +0.3% 1.18% +0.02
DFAE Dimensional Emerging Core Eq Add +9.6% 3.64% +0.01
ESGV Vanguard ESG US Stock ETF Add +0.1% 0.18% +0.00
VOO Vanguard S&P 500 ETF Add +0.5% 0.19% +0.00
IJS iShares S&P Small-Cap 600 Va Add +0.0% 0.10% −0.00
ABT Abbott Laboratories Add +0.0% 0.13% −0.00
DFIV Dimensional International Va Add +8.3% 1.31% −0.00
DFNM Dimensional National Muni BD Add +0.2% 0.10% −0.00
INTC Intel Corp. Add +14.4% 0.15% −0.01
GE General Electric Add +0.1% 0.11% −0.02
ABBV Abbvie Inc. Add +0.0% 0.19% −0.02
DFAI Dimensional International Co. Add +0.1% 0.27% −0.03
SCHC Schwab Intl Small-Cap Equity Add +0.0% 0.21% −0.03
IUSV iShares Core S&P U.S. Value Add +0.5% 0.91% −0.03
DFGR Dim Global Real Estate ETF Add +3.0% 0.88% −0.10
DUSB Dimension Ultrashort Fi ETF Add +0.2% 9.33% −0.12
DFUV Dimensional US Marketwide Va Add +0.0% 4.50% −0.13
VXUS Vanguard Total Intl Stock Add +0.5% 1.47% −0.15
VEA Vanguard Ftse Developed ETF Add +6.4% 4.58% −0.22
VWO Vanguard Ftse Emerging Marke Add +0.8% 3.24% −0.29

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 116$402.3MVTI, DUHP, DFCF, DFAT, DUSB
Q1 2026 112$364.3MVTI, DFCF, DUSB, DUHP, DFAT
Q4 2025 106$350.5MVTI, DUSB, DFCF, DUHP, DFAT
Q3 2025 110$329.9MVTI, DUSB, DUHP, DFCF, DFAT
Q2 2025 110$293.5MVTI, DUSB, DUHP, DFAT, VEA
Q4 2024 108$270.8MVTI, DUSB, DFAT, VEA, DFUV
Q3 2024 111$267.9MVTI, DUSB, DFAT, VEA, DFUV
Q2 2024 101$210.7MVTI, DUSB, DFUV, VEA, DFAT
Q1 2024 96$201.0MVTI, DUSB, DFUV, VEA, DFAC