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

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 Q4 2024 Q2 2025: $293.5M Q2 2025 Q3 2025: $329.9M $329.9M Q3 2025 Q4 2025: $350.5M Q4 2025 Q1 2026: $364.3M Q1 2026 Q2 2026: $402.3M Q2 2026

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%
SPY SS SPDR S&P 500 ETF Trust-US 0.07% 322 $215K New
SO The Southern Co. 0.06% 2,206 $209K No change
MA Mastercard Inc. Class A 0.06% 367 $209K Reduce -15.6%
DGRO iShares Core Dividend Growth 0.06% 3,063 $209K New
ITOT iShares Core S&P Total U.S. 0.06% 1,426 $208K Reduce -32.5%
PM Philip Morris International 0.06% 1,246 $202K No change
INTC Intel Corp. 0.06% 5,985 $201K New
BIV Vanguard Intermediate-Term B 0.06% 2,567 $200K Reduce -13.6%
SMH Vaneck Semiconductor ETF 0.06% 614 $200K New
HBAN Huntington Bancshares Inc. 0.05% 10,075 $174K No change

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

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