W.H. Cornerstone Investments Inc.

Name: W.H. Cornerstone Investments Inc. 13F holdings, Q1 2024
Creator: W.H. Cornerstone Investments Inc.
Published: 2024-05-06

Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024

In its 13F for Q1 2024 (holdings as of March 31, 2024, filed May 6, 2024), W.H. Cornerstone Investments Inc. reported 131 stock positions worth $138.8 million. Its top holding was VG Morningstar TS MKT ETF-US (VTI) at 7.7% of the portfolio, followed by Microsoft (MSFT, 4.6%) and Amazon.com (AMZN, 4.2%). Compared with Q4 2023, it opened 11 new positions, sold out of 7, added to 66 and reduced 51. The biggest buy was VG Morningstar TS MKT ETF-US (VTI, shares +39%) and the biggest sale Ste STR SPDR PT S&P 500 ETF (SPYM, shares −26%).

Most Recent 13F: Q2 2026
Location: KINGSTON, MA
CIK: 0001940823
Portfolio Value: $138.8M (Q1 2024)
SEC Filing: 0001940823-24-000004 ↗ filed May 6, 2024

Holdings Value

Holdings 131 stocks · $138.8M


VTI VG Morningstar TS MKT ETF-US	7.68%	40,992	$10.7M	Add +39.2%
MSFT Microsoft Corp.	4.62%	15,221	$6.4M	Reduce -1.0%
AMZN Amazon.com Inc.	4.22%	32,470	$5.9M	Add +0.6%
SPYM Ste STR SPDR PT S&P 500 ETF	4.02%	90,705	$5.6M	Reduce -25.7%
BNDX Vanguard Total Intl Bond ETF	3.75%	105,669	$5.2M	Add +57.6%
AAPL Apple Inc.	3.62%	29,304	$5.0M	Reduce -10.3%
COST Costco Wholesale Corp.	3.43%	6,494	$4.8M	Add +0.1%
VCIT Vanguard Int-Term Corporate	3.24%	55,843	$4.5M	Add +78.8%
VCSH Vanguard S/T Corp. Bond ETF	3.09%	55,386	$4.3M	Add +45.1%
GOOGL Alphabet Inc. Class A	2.87%	26,419	$4.0M	Add +1.0%
VEA Vanguard Ftse Developed ETF	2.09%	57,899	$2.9M	Add +60.3%
SCHR Schwab Intermediate-Term US	1.96%	55,337	$2.7M	Add +93.5%
BND Vanguard Total Bond Market	1.83%	35,058	$2.5M	Reduce -14.8%
DFSV Dimensional US Small Cap Val	1.48%	68,275	$2.1M	Add +75.1%
IVV iShares Core S&P 500 ETF	1.47%	3,866	$2.0M	Add +0.3%
SPY SS SPDR S&P 500 ETF Trust-US	1.10%	2,926	$1.5M	Add +0.1%
SPGI S&P Global Inc.	1.08%	3,517	$1.5M	Reduce -1.4%
CMCSA Comcast Corp. Class A	1.06%	33,778	$1.5M	Reduce -7.1%
PG The Procter & Gamble Co.	1.00%	8,559	$1.4M	Add +0.6%
LOW Lowe's Cos Inc.	1.00%	5,434	$1.4M	Reduce -4.9%
DIA SS SPDR Dow Jones Indus Avg filed as SPDR DOW JONES INDL AVERAGE	0.98%	3,402	$1.4M	Add +0.4%
JNJ Johnson & Johnson	0.95%	8,361	$1.3M	Reduce -5.8%
EOG EOG Resources Inc.	0.94%	10,226	$1.3M	Reduce -15.7%
CB Chubb Ltd.	0.91%	4,879	$1.3M	Add +6.8%
V Visa Inc. Class A	0.89%	4,439	$1.2M	Reduce -3.4%
QUAL iShares MSCI USA Quality Fac	0.88%	7,462	$1.2M	Reduce -27.0%
TMO Thermo Fisher Scientific Inc.	0.88%	2,101	$1.2M	Add +0.1%
FDX FedEx Corp.	0.85%	4,074	$1.2M	Reduce -4.3%
SHW The Sherwin-Williams Co.	0.82%	3,290	$1.1M	Add +0.2%
XLE SS Energy Select Sector	0.82%	12,065	$1.1M	Reduce -0.4%
EFV iShares MSCI Eafe Value ETF	0.82%	20,797	$1.1M	Reduce -27.3%
MUNI PIMCO Intermediate Municipal	0.80%	21,236	$1.1M	Add +0.8%
WMT Walmart Inc.	0.80%	18,404	$1.1M	Reduce -4.4%
APD Air Products & Chemicals Inc.	0.75%	4,313	$1.0M	Reduce -18.2%
IWB iShares Russell 1000 ETF	0.74%	3,559	$1.0M	Reduce -30.4%
DHR Danaher Corp.	0.73%	4,031	$1.0M	Add +3.0%
EFG iShares MSCI Eafe Growth ETF	0.72%	9,568	$993K	Reduce -26.6%
INGR Ingredion Inc.	0.71%	8,488	$992K	Reduce -1.8%
LIN Linde PLC	0.70%	2,089	$970K	Reduce -2.0%
LLY Eli Lilly & Co.	0.68%	1,213	$944K	Add +44.6%
BDX Becton Dickinson and Co.	0.67%	3,741	$926K	Add +4.6%
DISV Dimensional International SM	0.66%	33,472	$910K	Add +69.6%
SUB iShares Short-Term National	0.64%	8,531	$893K	Reduce -16.0%
INTU Intuit Inc.	0.64%	1,373	$892K	Add +72.3%
SYY Sysco Corp.	0.64%	10,976	$891K	Add +5.9%
DFEM Dimensional Emrg MRKT Core	0.64%	34,638	$883K	Add +51.4%
AFL Aflac Inc.	0.64%	10,269	$882K	Add +0.6%
UNH Unitedhealth Group Inc.	0.63%	1,778	$880K	Add +10.8%
MUB iShares National Muni Bond E	0.61%	7,850	$845K	Reduce -15.8%
SCHZ Schwab US Aggregate Bond ETF	0.59%	17,867	$822K	Reduce -32.9%
IUSB Ishr CR Unvrse Usd BD ETF-Ui	0.55%	16,727	$763K	Reduce -26.0%
DFGR Dim Global Real Estate ETF	0.55%	29,733	$759K	Add +68.4%
ESGU iShares ESG Aware MSCI USA	0.54%	6,513	$749K	Reduce -14.2%
ECL Ecolab Inc.	0.52%	3,102	$716K	Add +0.1%
XOM Exxon Mobil Corp.	0.50%	6,023	$700K	Add +0.8%
WST West Pharmaceutical Services	0.50%	1,755	$694K	Add +0.4%
CVX Chevron Corp.	0.49%	4,326	$682K	Reduce -1.3%
VGIT Vanguard Intermediate-Term T	0.49%	11,613	$680K	Add +0.1%
UPS United Parcel Service Class B	0.47%	4,344	$646K	Reduce -14.2%
RSG Republic Services Inc.	0.46%	3,327	$637K	Add +0.3%
PEP Pepsico Inc.	0.43%	3,397	$595K	Add +2.1%
SCHB Schwab US Broad Market ETF	0.40%	9,186	$561K	Reduce -7.6%
ABT Abbott Laboratories	0.40%	4,847	$551K	Add +0.5%
ADBE Adobe Inc.	0.40%	1,090	$550K	Add +14.6%
BLK BlackRock Finance Inc.	0.39%	646	$538K	Add +0.3%
CVS CVS Health Corp.	0.37%	6,511	$519K	Add +61.4%
BALL Ball Corp.	0.37%	7,525	$507K	Add +0.2%
ES Eversource Energy	0.36%	8,313	$497K	Reduce -21.1%
NOW ServiceNow Inc.	0.35%	631	$481K	New
IEMG iShares Core MSCI Emerging	0.34%	9,038	$466K	Reduce -28.5%
TGT Target Corp.	0.34%	2,624	$465K	Add +0.7%
PHM Pultegroup Inc.	0.33%	3,840	$463K	Add +20.4%
ACN Accenture PLC Class A	0.33%	1,324	$459K	Add +30.6%
KO The Coca-Cola Co.	0.33%	7,383	$452K	No change
CHD Church & Dwight Co. Inc.	0.32%	4,317	$450K	Add +0.1%
SLB SLB Ltd. filed as SCHLUMBERGER LTD	0.31%	7,791	$427K	Reduce -37.7%
ITOT iShares Core S&P Total U.S.	0.31%	3,676	$424K	Add +0.3%
CSCO Cisco Systems Inc.	0.30%	8,281	$413K	Add +0.6%
JPM JPMorgan Chase & Co.	0.29%	2,025	$406K	Add +33.6%
CLX Clorox Company	0.29%	2,637	$404K	Add +0.8%
IYW iShares Ustechnology ETF	0.29%	2,950	$398K	Reduce -27.0%
ADP Automatic Data Processing	0.29%	1,591	$397K	Add +0.6%
USMV iShares MSCI USA Min Vol Fac	0.28%	4,660	$389K	Reduce -27.1%
WTRG Essential Utilities Inc.	0.28%	10,438	$387K	Add +0.9%
VNQ Vanguard Real Estate ETF	0.28%	4,418	$382K	Add +0.8%
VTEB Vanguard Tax-Exempt Bond ETF	0.27%	7,470	$378K	Add +0.5%
DSI iShares ESG MSCI KLD 400 ETF	0.26%	3,624	$365K	Reduce -1.3%
MA Mastercard Inc. Class A	0.26%	754	$363K	New
HD Home Depot Inc.	0.26%	944	$362K	Add +0.5%
TJX TJX Companies Inc. filed as TJX COS INC NEW	0.26%	3,549	$360K	Add +0.3%
PSA Public Storage	0.26%	1,237	$359K	Reduce -16.4%
TIP iShares Tips Bond ETF	0.26%	3,312	$356K	Reduce -25.1%
ETN Eaton Corp. PLC	0.25%	1,115	$349K	New
TFLO iShares Treasury Floating Ra	0.25%	6,869	$348K	Reduce -32.2%
MCD McDonald's Corp.	0.25%	1,211	$342K	Reduce -19.9%
MCK McKesson Corp.	0.23%	594	$319K	Add +15.6%
MBB iShares MBS ETF	0.23%	3,432	$317K	Reduce -39.8%
BRO Brown & Brown Inc.	0.22%	3,537	$310K	Add +0.2%
SCHW Schwab (charles) Corp.	0.21%	4,093	$296K	Reduce -1.9%
CTAS Cintas Corp.	0.21%	428	$294K	Add +0.2%
PLD Prologis Inc.	0.21%	2,234	$291K	Add +0.6%
BSCP Invesco Bulletshares 2025 CB	0.21%	13,987	$286K	Reduce -52.7%
IVW iShares S&P 500 Growth ETF	0.21%	3,379	$285K	Reduce -28.5%
INTC Intel Corp.	0.20%	6,401	$283K	Add +0.3%
AWK American Water Works Co. Inc.	0.20%	2,295	$281K	Add +0.6%
BRK.B Berkshire Hathaway Inc. Class B	0.20%	666	$280K	No change
CRM Salesforce Inc.	0.20%	921	$277K	Reduce -12.8%
IBTE iShares Ibonds Dec 2024 Term	0.20%	11,549	$276K	Reduce -21.4%
ORCL Oracle Corp.	0.20%	2,186	$275K	Add +0.3%
IBTG iShares Ibonds Dec 2026 Term	0.20%	11,941	$271K	Reduce -21.5%
BSCQ Invesco Bulletshares 2026 CB	0.19%	13,872	$266K	Reduce -46.5%
VBR Vngrd Mrngst SL-CP Val ETF-U	0.19%	1,363	$261K	Add +0.5%
DHI D.R. Horton Inc.	0.18%	1,555	$256K	New
AMGN Amgen Inc.	0.18%	898	$255K	Add +0.8%
AZO AutoZone Inc.	0.18%	80	$252K	New
IBTF iShares Ibonds Dec 2025 Term	0.18%	10,839	$252K	Reduce -22.8%
RTX RTX Corp.	0.18%	2,568	$250K	Add +0.6%
TSCO Tractor Supply Company	0.18%	953	$249K	Add +1.8%
GOOG Alphabet Inc. Class C	0.18%	1,617	$246K	No change
WMS Advanced Drainage Systems Inc.	0.17%	1,388	$239K	New
BSCO Invesco Bulletshares 2024 CB	0.17%	11,143	$234K	Reduce -56.5%
EQIX Equinix Inc.	0.17%	282	$233K	Add +0.4%
DE Deere & Co.	0.16%	548	$225K	Reduce -15.3%
GOVT iShares US Treasury Bond ETF	0.16%	9,642	$220K	Reduce -27.0%
MRK Merck & Co. Inc.	0.16%	1,670	$220K	Reduce -15.2%
KLAC KLA Corp.	0.16%	314	$219K	New
XLC SS Comm Select Sector SPDR	0.16%	2,668	$218K	New
LMT Lockheed Martin Corp.	0.15%	459	$209K	Add +0.7%
XLB SS Materials Select Sector	0.15%	2,226	$207K	New
XLK SS Technology Select Sector	0.15%	985	$205K	New
XLI SS Industrial Select Sector	0.15%	1,613	$203K	New

Portfolio Sells Q4 2023 → Q1 2024


SPYM Ste STR SPDR PT S&P 500 ETF	Reduce -25.7%	4.02%	−1.39
AAPL Apple Inc.	Reduce -10.3%	3.62%	−1.36
BND Vanguard Total Bond Market	Reduce -14.8%	1.83%	−0.56
SCHZ Schwab US Aggregate Bond ETF	Reduce -32.9%	0.59%	−0.39
APD Air Products & Chemicals Inc.	Reduce -18.2%	0.75%	−0.39
EFV iShares MSCI Eafe Value ETF	Reduce -27.3%	0.82%	−0.37
IWB iShares Russell 1000 ETF	Reduce -30.4%	0.74%	−0.32
QUAL iShares MSCI USA Quality Fac	Reduce -27.0%	0.88%	−0.31
EFG iShares MSCI Eafe Growth ETF	Reduce -26.6%	0.72%	−0.29
IUSB Ishr CR Unvrse Usd BD ETF-Ui	Reduce -26.0%	0.55%	−0.28
BSCP Invesco Bulletshares 2025 CB	Reduce -52.7%	0.21%	−0.27
BSCO Invesco Bulletshares 2024 CB	Reduce -56.5%	0.17%	−0.26
EOG EOG Resources Inc.	Reduce -15.7%	0.94%	−0.22
CMCSA Comcast Corp. Class A	Reduce -7.1%	1.06%	−0.21
SLB SLB Ltd.	Reduce -37.7%	0.31%	−0.21
STIP iShares 0-5 Year Tips Bond E	Sold out	0.00%	−0.21
SUB iShares Short-Term National	Reduce -16.0%	0.64%	−0.21
BSCQ Invesco Bulletshares 2026 CB	Reduce -46.5%	0.19%	−0.20
SWKS Skyworks Solutions Inc.	Sold out	0.00%	−0.20
JKHY Jack Henry & Associates Inc.	Sold out	0.00%	−0.20
MBB iShares MBS ETF	Reduce -39.8%	0.23%	−0.20
MUB iShares National Muni Bond E	Reduce -15.8%	0.61%	−0.19
VNLA Janus Henderson Short Durati	Sold out	0.00%	−0.18
SPSM SS SPDR P S&P 600 Small Cap	Sold out	0.00%	−0.18
IEMG iShares Core MSCI Emerging	Reduce -28.5%	0.34%	−0.17
SPGI S&P Global Inc.	Reduce -1.4%	1.08%	−0.17
UPS United Parcel Service Class B	Reduce -14.2%	0.47%	−0.17
TSLA Tesla Inc.	Sold out	0.00%	−0.16
NEE Nextera Energy Inc.	Sold out	0.00%	−0.16
ES Eversource Energy	Reduce -21.1%	0.36%	−0.16
TFLO iShares Treasury Floating Ra	Reduce -32.2%	0.25%	−0.15
JNJ Johnson & Johnson	Reduce -5.8%	0.95%	−0.15
TIP iShares Tips Bond ETF	Reduce -25.1%	0.26%	−0.12
USMV iShares MSCI USA Min Vol Fac	Reduce -27.1%	0.28%	−0.12
MCD McDonald's Corp.	Reduce -19.9%	0.25%	−0.11
IYW iShares Ustechnology ETF	Reduce -27.0%	0.29%	−0.11
PSA Public Storage	Reduce -16.4%	0.26%	−0.10
ESGU iShares ESG Aware MSCI USA	Reduce -14.2%	0.54%	−0.09
GOVT iShares US Treasury Bond ETF	Reduce -27.0%	0.16%	−0.08
IBTG iShares Ibonds Dec 2026 Term	Reduce -21.5%	0.20%	−0.08
IBTE iShares Ibonds Dec 2024 Term	Reduce -21.4%	0.20%	−0.08
IBTF iShares Ibonds Dec 2025 Term	Reduce -22.8%	0.18%	−0.08
IVW iShares S&P 500 Growth ETF	Reduce -28.5%	0.21%	−0.08
V Visa Inc. Class A	Reduce -3.4%	0.89%	−0.06
DE Deere & Co.	Reduce -15.3%	0.16%	−0.04
SCHB Schwab US Broad Market ETF	Reduce -7.6%	0.40%	−0.03
INGR Ingredion Inc.	Reduce -1.8%	0.71%	−0.03
CVX Chevron Corp.	Reduce -1.3%	0.49%	−0.03
CRM Salesforce Inc.	Reduce -12.8%	0.20%	−0.02
SCHW Schwab (charles) Corp.	Reduce -1.9%	0.21%	−0.01

Portfolio Buys Q4 2023 → Q1 2024


VTI VG Morningstar TS MKT ETF-US	Add +39.2%	7.68%	+2.14
VCIT Vanguard Int-Term Corporate	Add +78.8%	3.24%	+1.23
BNDX Vanguard Total Intl Bond ETF	Add +57.6%	3.75%	+1.12
SCHR Schwab Intermediate-Term US	Add +93.5%	1.96%	+0.83
VCSH Vanguard S/T Corp. Bond ETF	Add +45.1%	3.09%	+0.74
VEA Vanguard Ftse Developed ETF	Add +60.3%	2.09%	+0.72
DFSV Dimensional US Small Cap Val	Add +75.1%	1.48%	+0.58
NOW ServiceNow Inc.	New	0.35%	+0.35
AMZN Amazon.com Inc.	Add +0.6%	4.22%	+0.33
LLY Eli Lilly & Co.	Add +44.6%	0.68%	+0.29
MA Mastercard Inc. Class A	New	0.26%	+0.26
DISV Dimensional International SM	Add +69.6%	0.66%	+0.25
ETN Eaton Corp. PLC	New	0.25%	+0.25
INTU Intuit Inc.	Add +72.3%	0.64%	+0.25
DHI D.R. Horton Inc.	New	0.18%	+0.18
DFEM Dimensional Emrg MRKT Core	Add +51.4%	0.64%	+0.18
DFGR Dim Global Real Estate ETF	Add +68.4%	0.55%	+0.18
AZO AutoZone Inc.	New	0.18%	+0.18
WMS Advanced Drainage Systems Inc.	New	0.17%	+0.17
KLAC KLA Corp.	New	0.16%	+0.16
XLC SS Comm Select Sector SPDR	New	0.16%	+0.16
XLB SS Materials Select Sector	New	0.15%	+0.15
XLK SS Technology Select Sector	New	0.15%	+0.15
XLI SS Industrial Select Sector	New	0.15%	+0.15
CVS CVS Health Corp.	Add +61.4%	0.37%	+0.12
CB Chubb Ltd.	Add +6.8%	0.91%	+0.09
JPM JPMorgan Chase & Co.	Add +33.6%	0.29%	+0.09
PHM Pultegroup Inc.	Add +20.4%	0.33%	+0.07
ACN Accenture PLC Class A	Add +30.6%	0.33%	+0.05
MCK McKesson Corp.	Add +15.6%	0.23%	+0.04
SYY Sysco Corp.	Add +5.9%	0.64%	+0.04
TGT Target Corp.	Add +0.7%	0.34%	+0.04
COST Costco Wholesale Corp.	Add +0.1%	3.43%	+0.04
XOM Exxon Mobil Corp.	Add +0.8%	0.50%	+0.03
ECL Ecolab Inc.	Add +0.1%	0.52%	+0.03
RSG Republic Services Inc.	Add +0.3%	0.46%	+0.03
BRO Brown & Brown Inc.	Add +0.2%	0.22%	+0.02
BALL Ball Corp.	Add +0.2%	0.37%	+0.02
TSCO Tractor Supply Company	Add +1.8%	0.18%	+0.02
ORCL Oracle Corp.	Add +0.3%	0.20%	+0.02
WST West Pharmaceutical Services	Add +0.4%	0.50%	+0.01
PG The Procter & Gamble Co.	Add +0.6%	1.00%	+0.01
SHW The Sherwin-Williams Co.	Add +0.2%	0.82%	+0.01
RTX RTX Corp.	Add +0.6%	0.18%	+0.01
DHR Danaher Corp.	Add +3.0%	0.73%	+0.01
CTAS Cintas Corp.	Add +0.2%	0.21%	+0.01
IVV iShares Core S&P 500 ETF	Add +0.3%	1.47%	+0.01
HD Home Depot Inc.	Add +0.5%	0.26%	+0.00
CHD Church & Dwight Co. Inc.	Add +0.1%	0.32%	+0.00
SPY SS SPDR S&P 500 ETF Trust-US	Add +0.1%	1.10%	+0.00

All Filings

Quarter	Positions	13F Reported Value	Top Holdings
Q2 2026	141	$176.8M	VTI, VEA, AAPL, GOOGL, VCSH
Q1 2026	129	$160.0M	VTI, VEA, AAPL, VCSH, VCIT
Q4 2025	113	$165.9M	VTI, AAPL, VEA, VCSH, VCIT
Q3 2025	115	$164.0M	VTI, AAPL, VCSH, MSFT, VCIT
Q2 2025	115	$157.8M	VTI, MSFT, VCIT, VCSH, AAPL
Q1 2025	110	$144.7M	VTI, VCIT, BNDX, VCSH, AAPL
Q4 2024	118	$149.8M	VTI, BNDX, VCIT, AAPL, AMZN
Q3 2024	121	$148.1M	VTI, BNDX, VCIT, AAPL, MSFT
Q2 2024	122	$141.1M	VTI, MSFT, BNDX, AMZN, AAPL
Q1 2024	131	$138.8M	VTI, MSFT, AMZN, SPYM, BNDX