Sterling Wealth Management, Inc.

In its 13F for Q4 2025 (holdings as of December 31, 2025, filed February 17, 2026), Sterling Wealth Management, Inc. reported 106 stock positions worth $350.5 million. Its top holding was VG Morningstar TS MKT ETF-US (VTI) at 11.3% of the portfolio, followed by Dimension Ultrashort Fi ETF (DUSB, 6.8%) and Dimensional Core Fixed (DFCF, 6.7%). Compared with Q3 2025, it opened 4 new positions, sold out of 8, added to 35 and reduced 37. The biggest buy was Dimensional Core Fixed (DFCF, shares +24%) and the biggest sale VG Morningstar TS MKT ETF-US (VTI, shares −1%).

Most Recent 13F
Q2 2026
Location
Champaign, IL
CIK
0002011149
Portfolio Value
$350.5M (Q4 2025)
SEC Filing
0001172661-26-000911 ↗ filed Feb 17, 2026

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

Holdings 106 stocks · $350.5M
VTI VG Morningstar TS MKT ETF-US 11.30% 118,131 $39.6M Reduce -0.6%
DUSB Dimension Ultrashort Fi ETF 6.82% 471,891 $23.9M Reduce -0.3%
DFCF Dimensional Core Fixed Inc. 6.68% 550,319 $23.4M Add +24.1%
DUHP Dimensional US High Profi Et 6.65% 612,540 $23.3M Add +15.7%
DFAT Dimensional US Target Value 5.95% 350,032 $20.8M Add +8.6%
VEA Vanguard Ftse Developed ETF 5.08% 285,130 $17.8M Add +3.3%
DFSD Dimensional Short Duration 4.62% 337,677 $16.2M Add +27.7%
DFAE Dimensional Emerging Core Eq 4.48% 481,834 $15.7M Add +6.5%
DFUV Dimensional US Marketwide Va 3.81% 286,966 $13.4M Reduce -1.5%
DFLV Dim US Large Cap Value ETF 3.65% 373,537 $12.8M Add +13.6%
DFAS Dimensional US Small Cap ETF 3.63% 182,708 $12.7M Add +3.1%
VWO Vanguard Ftse Emerging Marke 3.06% 199,612 $10.7M Reduce -2.6%
DFAC Dimensional US Core Equity 2 2.84% 251,213 $9.9M Reduce -5.5%
HUBB Hubbell Inc. 2.29% 18,090 $8.0M Add +24.0%
VBR Vngrd Mrngst SL-CP Val ETF-U 2.02% 33,443 $7.1M Reduce -8.8%
DFIV Dimensional International Va 1.68% 118,328 $5.9M Add +5.7%
DFGX Dimsnl Intr CF in ETF-Usd Inc. 1.52% 101,418 $5.3M Add +18.1%
VXUS Vanguard Total Intl Stock 1.44% 67,005 $5.1M Reduce -6.2%
DISV Dimensional International SM 1.21% 111,903 $4.3M Add +8.8%
MCD McDonald's Corp. 1.06% 12,187 $3.7M Reduce -0.3%
DFUS Dimensional US Eq MKT ETF 1.03% 48,874 $3.6M Add +0.0%
DFIS Dimensional International SM 0.93% 98,481 $3.2M Add +6.1%
AAPL Apple Inc. 0.89% 11,511 $3.1M Reduce -6.6%
EFV iShares MSCI Eafe Value ETF 0.84% 41,075 $2.9M Reduce -2.8%
VNQ Vanguard Real Estate ETF 0.84% 33,086 $2.9M Reduce -11.8%
IUSV iShares Core S&P U.S. Value 0.76% 26,071 $2.7M Reduce -2.9%
DFGR Dim Global Real Estate ETF 0.72% 94,976 $2.5M Add +10.2%
JPM JPMorgan Chase & Co. 0.66% 7,229 $2.3M Add +9.8%
MSFT Microsoft Corp. 0.64% 4,635 $2.2M Add +1.9%
NVDA Nvidia Corp. 0.61% 11,450 $2.1M Add +0.3%
AXP American Express Co. 0.54% 5,135 $1.9M Reduce -0.0%
DFAW Dimensional World Eqty ETF 0.42% 19,726 $1.5M Reduce -6.2%
SPDW Ste STR SPDR PT DW Eu ETF 0.40% 31,918 $1.4M Reduce -5.3%
XOM Exxon Mobil Corp. 0.40% 11,728 $1.4M Add +7.8%
IVV iShares Core S&P 500 ETF 0.40% 2,035 $1.4M Reduce -13.4%
DFNM Dimensional National Muni BD 0.38% 27,941 $1.3M Add +78.7%
VUG Vanguard Mrngstar GR ETF-Sui 0.38% 2,721 $1.3M Reduce -32.1%
JNJ Johnson & Johnson 0.37% 6,208 $1.3M Add +7.6%
PEP Pepsico Inc. 0.36% 8,728 $1.3M Add +1.8%
CAT Caterpillar Inc. 0.32% 1,943 $1.1M No change
SHW The Sherwin-Williams Co. 0.31% 3,310 $1.1M No change
CMCSA Comcast Corp. Class A 0.29% 33,829 $1.0M Reduce -0.1%
PG The Procter & Gamble Co. 0.27% 6,664 $955K Reduce -37.8%
GOOGL Alphabet Inc. Class A 0.27% 3,035 $950K No change
DFAI Dimensional International Co. 0.26% 24,031 $916K Add +0.1%
BRK.B Berkshire Hathaway Inc. Class B 0.25% 1,775 $892K Reduce -5.3%
CSCO Cisco Systems Inc. 0.25% 11,378 $876K Reduce -2.6%
VYM Vanguard High DVD Yield ETF 0.24% 5,967 $856K No change
DE Deere & Co. 0.22% 1,660 $773K No change
ABBV Abbvie Inc. 0.20% 3,031 $693K Add +5.2%
GOOG Alphabet Inc. Class C 0.18% 2,041 $640K Reduce -16.4%
LLY Eli Lilly & Co. 0.18% 587 $631K Reduce -57.5%
ESGV Vanguard ESG US Stock ETF 0.17% 4,817 $583K Add +0.1%
HYG Ishr Ibx Usd Hiyld CB ETF-Ui 0.17% 7,198 $580K No change
CMI Cummins Inc. 0.16% 1,110 $567K No change
QCOM Qualcomm Inc. 0.15% 3,102 $531K No change
MRSH Marsh & McLennan Cos 0.15% 2,817 $523K No change
YUM Yum! Brands Inc. 0.15% 3,386 $512K No change
VGT Vanguard Info Tech ETF 0.14% 674 $508K No change
AEP American Electric Power 0.14% 4,361 $503K No change
AMP Ameriprise Financial Inc. 0.14% 1,021 $501K Reduce -0.1%
LECO Lincoln Electric Holdings 0.14% 2,081 $499K No change
REET iShares Global REIT ETF 0.14% 19,295 $481K Reduce -48.1%
GRC Gorman-Rupp Co. 0.13% 9,435 $451K No change
HD Home Depot Inc. 0.13% 1,304 $449K Reduce -0.1%
VTV Vanguard Mrngstr Val ETF-Aui 0.13% 2,296 $439K Reduce -0.0%
HON Honeywell International Inc. 0.12% 2,207 $431K No change
AMZN Amazon.com Inc. 0.12% 1,837 $424K Add +0.2%
ITW Illinois Tool Works 0.12% 1,716 $423K No change
BMY Bristol-Myers Squibb Co. 0.11% 6,999 $378K Reduce -15.5%
KO The Coca-Cola Co. 0.11% 5,368 $375K No change
SPSM SS SPDR P S&P 600 Small Cap 0.11% 7,975 $374K No change
SPEM State Street SP PTF Em ETF 0.11% 7,970 $373K Add +3.1%
CVS CVS Health Corp. 0.11% 4,669 $371K Add +6.9%
PSX Phillips 66 0.10% 2,830 $365K New
JHMM John Hancock Multi Fact Mid 0.10% 5,440 $356K No change
GE General Electric filed as GE AEROSPACE 0.10% 1,130 $348K No change
ABT Abbott Laboratories 0.10% 2,728 $342K Add +0.0%
DIS The Walt Disney Co. filed as DISNEY WALT CO 0.10% 2,982 $339K Add +0.0%
CEG Constellation Energy 0.09% 939 $332K No change
CVX Chevron Corp. 0.09% 2,136 $326K Reduce -2.3%
ITIC Investors Title Co. 0.09% 1,296 $324K No change
VTEB Vanguard Tax-Exempt Bond ETF 0.09% 6,323 $318K Reduce -12.9%
MO Altria Group Inc. 0.09% 5,421 $313K New
IJS iShares S&P Small-Cap 600 Va 0.08% 2,566 $292K Add +0.0%
COP Conocophillips 0.08% 3,049 $285K New
MMM 3M Co. 0.08% 1,779 $285K No change
DVY iShares Select Dividend ETF 0.08% 1,961 $277K No change
IQLT iShares MSCI International Q 0.08% 5,979 $272K Add +0.0%
VSS Vanguard Ftse All Wo X-US SC 0.08% 1,880 $269K Add +2.2%
AMGN Amgen Inc. 0.08% 810 $265K No change
MRK Merck & Co. Inc. 0.07% 2,423 $255K Reduce -27.7%
IJR iShares Core S&P Small-Cap E 0.07% 2,073 $249K Reduce -6.6%
USB US Bancorp 0.07% 4,532 $242K New
R Ryder System Inc. 0.07% 1,229 $235K No change
HWM Howmet Aerospace Inc. 0.07% 1,118 $229K No change
ADP Automatic Data Processing 0.06% 876 $225K No change
DFSU Dimensional US Sus CORE1 ETF 0.06% 5,152 $224K Reduce -0.5%
SPY SS SPDR S&P 500 ETF Trust-US 0.06% 322 $220K No change
ALL Allstate Corp. 0.06% 1,052 $219K No change

Show all 106 holdings

Portfolio Sells Q3 2025 → Q4 2025
VTI VG Morningstar TS MKT ETF-US Reduce -0.6% 11.30% −0.53
DUSB Dimension Ultrashort Fi ETF Reduce -0.3% 6.82% −0.47
VWO Vanguard Ftse Emerging Marke Reduce -2.6% 3.06% −0.30
VBR Vngrd Mrngst SL-CP Val ETF-U Reduce -8.8% 2.02% −0.30
DFAC Dimensional US Core Equity 2 Reduce -5.5% 2.84% −0.27
PG The Procter & Gamble Co. Reduce -37.8% 0.27% −0.23
VNQ Vanguard Real Estate ETF Reduce -11.8% 0.84% −0.20
VUG Vanguard Mrngstar GR ETF-Sui Reduce -32.1% 0.38% −0.20
REET iShares Global REIT ETF Reduce -48.1% 0.14% −0.15
VXUS Vanguard Total Intl Stock Reduce -6.2% 1.44% −0.15
LLY Eli Lilly & Co. Reduce -57.5% 0.18% −0.14
DFUV Dimensional US Marketwide Va Reduce -1.5% 3.81% −0.13
IVV iShares Core S&P 500 ETF Reduce -13.4% 0.40% −0.08
VV Vngrd Mrgstr LRG-Cap ETF-Usd Sold out 0.00% −0.08
ORCL Oracle Corp. Sold out 0.00% −0.08
IJH iShares Core S&P Midcap ETF Sold out 0.00% −0.07
MCD McDonald's Corp. Reduce -0.3% 1.06% −0.06
SO The Southern Co. Sold out 0.00% −0.06
MA Mastercard Inc. Class A Sold out 0.00% −0.06
DGRO iShares Core Dividend Growth Sold out 0.00% −0.06
PM Philip Morris International Sold out 0.00% −0.06
BIV Vanguard Intermediate-Term B Sold out 0.00% −0.06
AAPL Apple Inc. Reduce -6.6% 0.89% −0.06
IUSV iShares Core S&P U.S. Value Reduce -2.9% 0.76% −0.05
DFAW Dimensional World Eqty ETF Reduce -6.2% 0.42% −0.04
CMCSA Comcast Corp. Class A Reduce -0.1% 0.29% −0.03
SPDW Ste STR SPDR PT DW Eu ETF Reduce -5.3% 0.40% −0.03
HD Home Depot Inc. Reduce -0.1% 0.13% −0.03
EFV iShares MSCI Eafe Value ETF Reduce -2.8% 0.84% −0.03
BRK.B Berkshire Hathaway Inc. Class B Reduce -5.3% 0.25% −0.03
VTEB Vanguard Tax-Exempt Bond ETF Reduce -12.9% 0.09% −0.02
MRK Merck & Co. Inc. Reduce -27.7% 0.07% −0.01
META Meta Platforms Inc. Class A Reduce -0.3% 0.06% −0.01
CVX Chevron Corp. Reduce -2.3% 0.09% −0.01
AMP Ameriprise Financial Inc. Reduce -0.1% 0.14% −0.01
IJR iShares Core S&P Small-Cap E Reduce -6.6% 0.07% −0.01
BMY Bristol-Myers Squibb Co. Reduce -15.5% 0.11% −0.01
VTV Vanguard Mrngstr Val ETF-Aui Reduce -0.0% 0.13% −0.00
BSV Vanguard Short-Term Bond ETF Reduce -0.6% 0.06% −0.00
DFSU Dimensional US Sus CORE1 ETF Reduce -0.5% 0.06% −0.00
SMH Vaneck Semiconductor ETF Reduce -6.5% 0.06% −0.00
INTC Intel Corp. Reduce -5.6% 0.06% −0.00
GOOG Alphabet Inc. Class C Reduce -16.4% 0.18% +0.00
CSCO Cisco Systems Inc. Reduce -2.6% 0.25% +0.01
AXP American Express Co. Reduce -0.0% 0.54% +0.02

Portfolio Buys Q3 2025 → Q4 2025
DFCF Dimensional Core Fixed Inc. Add +24.1% 6.68% +0.94
DFSD Dimensional Short Duration Add +27.7% 4.62% +0.76
DUHP Dimensional US High Profi Et Add +15.7% 6.65% +0.58
HUBB Hubbell Inc. Add +24.0% 2.29% +0.39
DFLV Dim US Large Cap Value ETF Add +13.6% 3.65% +0.37
DFAT Dimensional US Target Value Add +8.6% 5.95% +0.26
DFNM Dimensional National Muni BD Add +78.7% 0.38% +0.16
DFAE Dimensional Emerging Core Eq Add +6.5% 4.48% +0.15
DFIV Dimensional International Va Add +5.7% 1.68% +0.12
DFGX Dimsnl Intr CF in ETF-Usd Inc. Add +18.1% 1.52% +0.12
PSX Phillips 66 New 0.10% +0.10
DISV Dimensional International SM Add +8.8% 1.21% +0.10
MO Altria Group Inc. New 0.09% +0.09
COP Conocophillips New 0.08% +0.08
USB US Bancorp New 0.07% +0.07
VEA Vanguard Ftse Developed ETF Add +3.3% 5.08% +0.07
JNJ Johnson & Johnson Add +7.6% 0.37% +0.04
DFIS Dimensional International SM Add +6.1% 0.93% +0.04
JPM JPMorgan Chase & Co. Add +9.8% 0.66% +0.04
XOM Exxon Mobil Corp. Add +7.8% 0.40% +0.03
CVS CVS Health Corp. Add +6.9% 0.11% +0.01
DFGR Dim Global Real Estate ETF Add +10.2% 0.72% +0.00
AMZN Amazon.com Inc. Add +0.2% 0.12% −0.00
ITOT iShares Core S&P Total U.S. Add +0.1% 0.06% −0.00
IQLT iShares MSCI International Q Add +0.0% 0.08% −0.00
VSS Vanguard Ftse All Wo X-US SC Add +2.2% 0.08% −0.00
IJS iShares S&P Small-Cap 600 Va Add +0.0% 0.08% −0.00
HBAN Huntington Bancshares Inc. Add +0.1% 0.05% −0.00
DFAI Dimensional International Co. Add +0.1% 0.26% −0.00
SPEM State Street SP PTF Em ETF Add +3.1% 0.11% −0.00
ABBV Abbvie Inc. Add +5.2% 0.20% −0.00
ESGV Vanguard ESG US Stock ETF Add +0.1% 0.17% −0.01
DIS The Walt Disney Co. Add +0.0% 0.10% −0.01
PEP Pepsico Inc. Add +1.8% 0.36% −0.01
ABT Abbott Laboratories Add +0.0% 0.10% −0.01
NVDA Nvidia Corp. Add +0.3% 0.61% −0.04
DFUS Dimensional US Eq MKT ETF Add +0.0% 1.03% −0.04
DFAS Dimensional US Small Cap ETF Add +3.1% 3.63% −0.05
MSFT Microsoft Corp. Add +1.9% 0.64% −0.07

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