Sterling Wealth Management, Inc.
In its 13F for Q3 2025 (holdings as of September 30, 2025, filed November 17, 2025), Sterling Wealth Management, Inc. reported 110 stock positions worth $329.9 million. Its top holding was VG Morningstar TS MKT ETF-US (VTI) at 11.8% of the portfolio, followed by Dimension Ultrashort Fi ETF (DUSB, 7.3%) and Dimensional US High Profi Et (DUHP, 6.1%). Compared with Q2 2025, it opened 5 new positions, sold out of 5, added to 44 and reduced 35. The biggest buy was Dimensional Core Fixed (DFCF, shares +27%) and the biggest sale Dimensional US Marketwide Va (DFUV, shares −3%).
- Most Recent 13F
- Q2 2026
- Location
- Champaign, IL
- CIK
- 0002011149
- Portfolio Value
- $329.9M (Q3 2025)
- SEC Filing
- 0001172661-25-005196 ↗ filed Nov 17, 2025
Holdings Value
Holdings 110 stocks · $329.9M
| VTI VG Morningstar TS MKT ETF-US | 11.83% | 118,878 | $39.0M | Add +5.0% |
| DUSB Dimension Ultrashort Fi ETF | 7.28% | 473,269 | $24.0M | Add +2.8% |
| DUHP Dimensional US High Profi Et | 6.06% | 529,450 | $20.0M | Add +15.7% |
| DFCF Dimensional Core Fixed Inc. | 5.75% | 443,327 | $19.0M | Add +26.9% |
| DFAT Dimensional US Target Value | 5.68% | 322,180 | $18.8M | Add +7.7% |
| VEA Vanguard Ftse Developed ETF | 5.01% | 276,002 | $16.5M | Add +6.5% |
| DFAE Dimensional Emerging Core Eq | 4.32% | 452,511 | $14.3M | Add +10.0% |
| DFUV Dimensional US Marketwide Va | 3.95% | 291,231 | $13.0M | Reduce -2.7% |
| DFSD Dimensional Short Duration | 3.86% | 264,457 | $12.7M | Add +23.9% |
| DFAS Dimensional US Small Cap ETF | 3.68% | 177,175 | $12.1M | Add +3.1% |
| VWO Vanguard Ftse Emerging Marke | 3.37% | 204,924 | $11.1M | Add +3.8% |
| DFLV Dim US Large Cap Value ETF | 3.28% | 328,758 | $10.8M | Add +14.2% |
| DFAC Dimensional US Core Equity 2 | 3.11% | 265,944 | $10.3M | Reduce -4.3% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 2.32% | 36,685 | $7.7M | Reduce -3.7% |
| HUBB Hubbell Inc. | 1.90% | 14,590 | $6.3M | No change |
| VXUS Vanguard Total Intl Stock | 1.59% | 71,437 | $5.2M | Add +8.4% |
| DFIV Dimensional International Va | 1.56% | 111,933 | $5.2M | Add +7.4% |
| DFGX Dimsnl Intr CF in ETF-Usd Inc. | 1.40% | 85,891 | $4.6M | Add +19.6% |
| MCD McDonald's Corp. | 1.13% | 12,227 | $3.7M | Reduce -0.3% |
| DISV Dimensional International SM | 1.11% | 102,861 | $3.7M | Add +12.7% |
| DFUS Dimensional US Eq MKT ETF | 1.07% | 48,859 | $3.5M | Add +0.0% |
| VNQ Vanguard Real Estate ETF | 1.04% | 37,498 | $3.4M | Reduce -10.4% |
| AAPL Apple Inc. | 0.95% | 12,321 | $3.1M | Add +14.8% |
| DFIS Dimensional International SM | 0.89% | 92,822 | $2.9M | Add +12.0% |
| EFV iShares MSCI Eafe Value ETF | 0.87% | 42,259 | $2.9M | Add +5.9% |
| IUSV iShares Core S&P U.S. Value | 0.81% | 26,836 | $2.7M | Add +0.4% |
| MSFT Microsoft Corp. | 0.71% | 4,548 | $2.4M | Reduce -10.8% |
| DFGR Dim Global Real Estate ETF | 0.71% | 86,215 | $2.4M | Add +9.4% |
| NVDA Nvidia Corp. | 0.65% | 11,410 | $2.1M | Add +310.4% |
| JPM JPMorgan Chase & Co. | 0.63% | 6,584 | $2.1M | No change |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.58% | 4,006 | $1.9M | Add +0.8% |
| AXP American Express Co. | 0.52% | 5,136 | $1.7M | No change |
| PG The Procter & Gamble Co. | 0.50% | 10,711 | $1.6M | Add +3.8% |
| IVV iShares Core S&P 500 ETF | 0.48% | 2,351 | $1.6M | Reduce -6.6% |
| DFAW Dimensional World Eqty ETF | 0.46% | 21,019 | $1.5M | Add +16.9% |
| SPDW Ste STR SPDR PT DW Eu ETF | 0.44% | 33,723 | $1.4M | No change |
| XOM Exxon Mobil Corp. | 0.37% | 10,883 | $1.2M | Add +1.4% |
| PEP Pepsico Inc. | 0.37% | 8,576 | $1.2M | Add +0.0% |
| SHW The Sherwin-Williams Co. | 0.35% | 3,310 | $1.1M | No change |
| JNJ Johnson & Johnson | 0.32% | 5,770 | $1.1M | Reduce -0.8% |
| CMCSA Comcast Corp. Class A | 0.32% | 33,859 | $1.1M | Reduce -0.0% |
| LLY Eli Lilly & Co. | 0.32% | 1,381 | $1.1M | Reduce -2.9% |
| REET iShares Global REIT ETF | 0.29% | 37,165 | $950K | Add +0.9% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.29% | 1,875 | $943K | Add +22.9% |
| CAT Caterpillar Inc. | 0.28% | 1,943 | $927K | Reduce -2.0% |
| DFAI Dimensional International Co. | 0.26% | 24,011 | $873K | Reduce -4.2% |
| VYM Vanguard High DVD Yield ETF | 0.25% | 5,967 | $841K | No change |
| CSCO Cisco Systems Inc. | 0.24% | 11,678 | $799K | Reduce -16.1% |
| DE Deere & Co. | 0.23% | 1,660 | $759K | Reduce -0.1% |
| DFNM Dimensional National Muni BD | 0.23% | 15,637 | $750K | Add +24.6% |
| GOOGL Alphabet Inc. Class A | 0.22% | 3,035 | $738K | Reduce -11.4% |
| ABBV Abbvie Inc. | 0.20% | 2,882 | $667K | Add +0.1% |
| GOOG Alphabet Inc. Class C | 0.18% | 2,441 | $595K | Reduce -13.8% |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | 0.18% | 7,198 | $584K | No change |
| ESGV Vanguard ESG US Stock ETF | 0.17% | 4,810 | $570K | Add +0.1% |
| MRSH Marsh & McLennan Cos | 0.17% | 2,817 | $568K | Reduce -0.0% |
| HD Home Depot Inc. | 0.16% | 1,305 | $529K | No change |
| QCOM Qualcomm Inc. | 0.16% | 3,102 | $516K | No change |
| YUM Yum! Brands Inc. | 0.16% | 3,386 | $515K | No change |
| VGT Vanguard Info Tech ETF | 0.15% | 674 | $503K | No change |
| AMP Ameriprise Financial Inc. | 0.15% | 1,022 | $502K | No change |
| LECO Lincoln Electric Holdings | 0.15% | 2,081 | $491K | No change |
| AEP American Electric Power | 0.15% | 4,361 | $491K | Add +11.5% |
| CMI Cummins Inc. | 0.14% | 1,110 | $469K | Add +0.1% |
| HON Honeywell International Inc. | 0.14% | 2,207 | $465K | No change |
| ITW Illinois Tool Works | 0.14% | 1,716 | $447K | Reduce -0.1% |
| GRC Gorman-Rupp Co. | 0.13% | 9,435 | $438K | No change |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.13% | 2,297 | $428K | Add +20.4% |
| AMZN Amazon.com Inc. | 0.12% | 1,833 | $402K | Add +1.0% |
| BMY Bristol-Myers Squibb Co. | 0.11% | 8,284 | $374K | Reduce -1.3% |
| SPSM SS SPDR P S&P 600 Small Cap | 0.11% | 7,975 | $369K | No change |
| ABT Abbott Laboratories | 0.11% | 2,727 | $365K | Reduce -2.9% |
| VTEB Vanguard Tax-Exempt Bond ETF | 0.11% | 7,262 | $364K | No change |
| SPEM State Street SP PTF Em ETF | 0.11% | 7,732 | $362K | Reduce -2.7% |
| KO The Coca-Cola Co. | 0.11% | 5,368 | $356K | Add +4.9% |
| JHMM John Hancock Multi Fact Mid | 0.11% | 5,440 | $352K | No change |
| ITIC Investors Title Co. | 0.11% | 1,296 | $347K | No change |
| DIS The Walt Disney Co. filed as DISNEY WALT CO | 0.10% | 2,981 | $341K | Add +2.6% |
| GE General Electric filed as GE AEROSPACE | 0.10% | 1,130 | $340K | Reduce -36.1% |
| CVX Chevron Corp. | 0.10% | 2,186 | $339K | Reduce -1.8% |
| CVS CVS Health Corp. | 0.10% | 4,368 | $329K | Reduce -0.1% |
| CEG Constellation Energy | 0.09% | 939 | $309K | No change |
| IJS iShares S&P Small-Cap 600 Va | 0.09% | 2,565 | $284K | Add +0.1% |
| MRK Merck & Co. Inc. | 0.09% | 3,350 | $281K | Reduce -2.3% |
| DVY iShares Select Dividend ETF | 0.08% | 1,961 | $279K | No change |
| MMM 3M Co. | 0.08% | 1,779 | $276K | Reduce -2.2% |
| IQLT iShares MSCI International Q | 0.08% | 5,977 | $264K | Reduce -5.2% |
| IJR iShares Core S&P Small-Cap E | 0.08% | 2,219 | $264K | Reduce -7.4% |
| VSS Vanguard Ftse All Wo X-US SC | 0.08% | 1,839 | $262K | Reduce -2.8% |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | 0.08% | 850 | $262K | Add +0.1% |
| ORCL Oracle Corp. | 0.08% | 919 | $258K | Reduce -20.8% |
| ADP Automatic Data Processing | 0.08% | 876 | $257K | Reduce -0.2% |
| META Meta Platforms Inc. Class A | 0.07% | 327 | $240K | Add +0.6% |
| IJH iShares Core S&P Midcap ETF | 0.07% | 3,617 | $236K | Add +12.1% |
| R Ryder System Inc. | 0.07% | 1,229 | $232K | New |
| AMGN Amgen Inc. | 0.07% | 810 | $229K | No change |
| ALL Allstate Corp. | 0.07% | 1,052 | $226K | Reduce -0.1% |
| DFSU Dimensional US Sus CORE1 ETF | 0.07% | 5,180 | $220K | Add +0.2% |
| HWM Howmet Aerospace Inc. | 0.07% | 1,118 | $219K | No change |
| BSV Vanguard Short-Term Bond ETF | 0.07% | 2,764 | $218K | Add +0.0% |
Portfolio Sells Q2 2025 → Q3 2025
| DFUV Dimensional US Marketwide Va | Reduce -2.7% | 3.95% | −0.37 |
| DFAC Dimensional US Core Equity 2 | Reduce -4.3% | 3.11% | −0.28 |
| VNQ Vanguard Real Estate ETF | Reduce -10.4% | 1.04% | −0.23 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Reduce -3.7% | 2.32% | −0.21 |
| SCHB Schwab US Broad Market ETF | Sold out | 0.00% | −0.19 |
| MSFT Microsoft Corp. | Reduce -10.8% | 0.71% | −0.15 |
| MCD McDonald's Corp. | Reduce -0.3% | 1.13% | −0.10 |
| CMCSA Comcast Corp. Class A | Reduce -0.0% | 0.32% | −0.09 |
| CSCO Cisco Systems Inc. | Reduce -16.1% | 0.24% | −0.09 |
| GEV GE Vernova Inc. | Sold out | 0.00% | −0.08 |
| IWF iShares Russell 1000 Growth | Sold out | 0.00% | −0.08 |
| IBM Intl Business Machines Corp. | Sold out | 0.00% | −0.07 |
| DFIC Dimensional International Co. | Sold out | 0.00% | −0.07 |
| LLY Eli Lilly & Co. | Reduce -2.9% | 0.32% | −0.06 |
| DE Deere & Co. | Reduce -0.1% | 0.23% | −0.06 |
| IVV iShares Core S&P 500 ETF | Reduce -6.6% | 0.48% | −0.06 |
| GE General Electric | Reduce -36.1% | 0.10% | −0.05 |
| MRSH Marsh & McLennan Cos | Reduce -0.0% | 0.17% | −0.04 |
| ITOT iShares Core S&P Total U.S. | Reduce -32.5% | 0.06% | −0.03 |
| DFAI Dimensional International Co. | Reduce -4.2% | 0.26% | −0.03 |
| MA Mastercard Inc. Class A | Reduce -15.6% | 0.06% | −0.02 |
| ABT Abbott Laboratories | Reduce -2.9% | 0.11% | −0.02 |
| BMY Bristol-Myers Squibb Co. | Reduce -1.3% | 0.11% | −0.02 |
| BIV Vanguard Intermediate-Term B | Reduce -13.6% | 0.06% | −0.02 |
| ADP Automatic Data Processing | Reduce -0.2% | 0.08% | −0.01 |
| IQLT iShares MSCI International Q | Reduce -5.2% | 0.08% | −0.01 |
| MMM 3M Co. | Reduce -2.2% | 0.08% | −0.01 |
| IJR iShares Core S&P Small-Cap E | Reduce -7.4% | 0.08% | −0.01 |
| ITW Illinois Tool Works | Reduce -0.1% | 0.14% | −0.01 |
| ORCL Oracle Corp. | Reduce -20.8% | 0.08% | −0.01 |
| MRK Merck & Co. Inc. | Reduce -2.3% | 0.09% | −0.01 |
| VSS Vanguard Ftse All Wo X-US SC | Reduce -2.8% | 0.08% | −0.01 |
| SPEM State Street SP PTF Em ETF | Reduce -2.7% | 0.11% | −0.01 |
| CVX Chevron Corp. | Reduce -1.8% | 0.10% | −0.01 |
| ALL Allstate Corp. | Reduce -0.1% | 0.07% | −0.00 |
| CVS CVS Health Corp. | Reduce -0.1% | 0.10% | −0.00 |
| GOOG Alphabet Inc. Class C | Reduce -13.8% | 0.18% | +0.01 |
| GOOGL Alphabet Inc. Class A | Reduce -11.4% | 0.22% | +0.02 |
| CAT Caterpillar Inc. | Reduce -2.0% | 0.28% | +0.02 |
| JNJ Johnson & Johnson | Reduce -0.8% | 0.32% | +0.02 |
Portfolio Buys Q2 2025 → Q3 2025
| DFCF Dimensional Core Fixed Inc. | Add +26.9% | 5.75% | +0.72 |
| DUHP Dimensional US High Profi Et | Add +15.7% | 6.06% | +0.52 |
| NVDA Nvidia Corp. | Add +310.4% | 0.65% | +0.50 |
| DFSD Dimensional Short Duration | Add +23.9% | 3.86% | +0.37 |
| DFAE Dimensional Emerging Core Eq | Add +10.0% | 4.32% | +0.27 |
| DFLV Dim US Large Cap Value ETF | Add +14.2% | 3.28% | +0.24 |
| AAPL Apple Inc. | Add +14.8% | 0.95% | +0.20 |
| DFAT Dimensional US Target Value | Add +7.7% | 5.68% | +0.18 |
| DFGX Dimsnl Intr CF in ETF-Usd Inc. | Add +19.6% | 1.40% | +0.10 |
| VTI VG Morningstar TS MKT ETF-US | Add +5.0% | 11.83% | +0.09 |
| DISV Dimensional International SM | Add +12.7% | 1.11% | +0.09 |
| R Ryder System Inc. | New | 0.07% | +0.07 |
| SPY SS SPDR S&P 500 ETF Trust-US | New | 0.07% | +0.07 |
| DGRO iShares Core Dividend Growth | New | 0.06% | +0.06 |
| INTC Intel Corp. | New | 0.06% | +0.06 |
| SMH Vaneck Semiconductor ETF | New | 0.06% | +0.06 |
| DFIS Dimensional International SM | Add +12.0% | 0.89% | +0.05 |
| DFAW Dimensional World Eqty ETF | Add +16.9% | 0.46% | +0.05 |
| DFIV Dimensional International Va | Add +7.4% | 1.56% | +0.04 |
| VXUS Vanguard Total Intl Stock | Add +8.4% | 1.59% | +0.04 |
| VWO Vanguard Ftse Emerging Marke | Add +3.8% | 3.37% | +0.04 |
| BRK.B Berkshire Hathaway Inc. Class B | Add +22.9% | 0.29% | +0.03 |
| DFNM Dimensional National Muni BD | Add +24.6% | 0.23% | +0.02 |
| ABBV Abbvie Inc. | Add +0.1% | 0.20% | +0.02 |
| CMI Cummins Inc. | Add +0.1% | 0.14% | +0.02 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +20.4% | 0.13% | +0.01 |
| AEP American Electric Power | Add +11.5% | 0.15% | +0.01 |
| EFV iShares MSCI Eafe Value ETF | Add +5.9% | 0.87% | +0.01 |
| IJH iShares Core S&P Midcap ETF | Add +12.1% | 0.07% | +0.00 |
| IJS iShares S&P Small-Cap 600 Va | Add +0.1% | 0.09% | −0.00 |
| DFSU Dimensional US Sus CORE1 ETF | Add +0.2% | 0.07% | −0.00 |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | Add +0.1% | 0.08% | −0.00 |
| ESGV Vanguard ESG US Stock ETF | Add +0.1% | 0.17% | −0.01 |
| DFGR Dim Global Real Estate ETF | Add +9.4% | 0.71% | −0.01 |
| BSV Vanguard Short-Term Bond ETF | Add +0.0% | 0.07% | −0.01 |
| META Meta Platforms Inc. Class A | Add +0.6% | 0.07% | −0.01 |
| VUG Vanguard Mrngstar GR ETF-Sui | Add +0.8% | 0.58% | −0.01 |
| AMZN Amazon.com Inc. | Add +1.0% | 0.12% | −0.01 |
| KO The Coca-Cola Co. | Add +4.9% | 0.11% | −0.02 |
| DIS The Walt Disney Co. | Add +2.6% | 0.10% | −0.02 |
| PEP Pepsico Inc. | Add +0.0% | 0.37% | −0.02 |
| REET iShares Global REIT ETF | Add +0.9% | 0.29% | −0.02 |
| XOM Exxon Mobil Corp. | Add +1.4% | 0.37% | −0.02 |
| VEA Vanguard Ftse Developed ETF | Add +6.5% | 5.01% | −0.02 |
| DFUS Dimensional US Eq MKT ETF | Add +0.0% | 1.07% | −0.04 |
| IUSV iShares Core S&P U.S. Value | Add +0.4% | 0.81% | −0.05 |
| DFAS Dimensional US Small Cap ETF | Add +3.1% | 3.68% | −0.05 |
| PG The Procter & Gamble Co. | Add +3.8% | 0.50% | −0.06 |
| DUSB Dimension Ultrashort Fi ETF | Add +2.8% | 7.28% | −0.68 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 116 | $402.3M | VTI, DUHP, DFCF, DFAT, DUSB |
| Q1 2026 | 112 | $364.3M | VTI, DFCF, DUSB, DUHP, DFAT |
| Q4 2025 | 106 | $350.5M | VTI, DUSB, DFCF, DUHP, DFAT |
| Q3 2025 | 110 | $329.9M | VTI, DUSB, DUHP, DFCF, DFAT |
| Q2 2025 | 110 | $293.5M | VTI, DUSB, DUHP, DFAT, VEA |
| Q4 2024 | 108 | $270.8M | VTI, DUSB, DFAT, VEA, DFUV |
| Q3 2024 | 111 | $267.9M | VTI, DUSB, DFAT, VEA, DFUV |
| Q2 2024 | 101 | $210.7M | VTI, DUSB, DFUV, VEA, DFAT |
| Q1 2024 | 96 | $201.0M | VTI, DUSB, DFUV, VEA, DFAC |