W.H. Cornerstone Investments Inc.

In its 13F for Q2 2024 (holdings as of June 30, 2024, filed July 17, 2024), W.H. Cornerstone Investments Inc. reported 122 stock positions worth $141.1 million. Its top holding was VG Morningstar TS MKT ETF-US (VTI) at 9.0% of the portfolio, followed by Microsoft (MSFT, 4.8%) and Vanguard Total Intl Bond ETF (BNDX, 4.7%). Compared with Q1 2024, it opened 4 new positions, sold out of 13, added to 66 and reduced 48. The biggest buy was VG Morningstar TS MKT ETF-US (VTI, shares +15%) 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
$141.1M (Q2 2024)
SEC Filing
0001940823-24-000006 ↗ filed Jul 17, 2024

Holdings Value

0$50.0M$100.0M$150.0M$200.0M Q1 2024: $138.8M Q1 2024 Q2 2024: $141.1M $141.1M Q2 2024 Q3 2024: $148.1M Q3 2024 Q4 2024: $149.8M Q4 2024 Q1 2025: $144.7M Q1 2025 Q2 2025: $157.8M Q2 2025 Q3 2025: $164.0M Q3 2025 Q4 2025: $165.9M Q4 2025 Q1 2026: $160.0M Q1 2026 Q2 2026: $176.8M Q2 2026

Holdings 122 stocks · $141.1M
VTI VG Morningstar TS MKT ETF-US 8.97% 47,331 $12.7M Add +15.5%
MSFT Microsoft Corp. 4.85% 15,298 $6.8M Add +0.5%
BNDX Vanguard Total Intl Bond ETF 4.65% 134,899 $6.6M Add +27.7%
AMZN Amazon.com Inc. 4.38% 31,989 $6.2M Reduce -1.5%
AAPL Apple Inc. 4.34% 29,099 $6.1M Reduce -0.7%
VCIT Vanguard Int-Term Corporate 4.18% 73,790 $5.9M Add +32.1%
COST Costco Wholesale Corp. 3.83% 6,366 $5.4M Reduce -2.0%
VCSH Vanguard S/T Corp. Bond ETF 3.81% 69,560 $5.4M Add +25.6%
GOOGL Alphabet Inc. Class A 3.43% 26,547 $4.8M Add +0.5%
SPYM Ste STR SPDR PT S&P 500 ETF 3.03% 66,849 $4.3M Reduce -26.3%
SCHR Schwab Intermediate-Term US 2.60% 75,134 $3.7M Add +35.8%
VEA Vanguard Ftse Developed ETF 2.56% 73,005 $3.6M Add +26.1%
DFSV Dimensional US Small Cap Val 1.62% 79,452 $2.3M Add +16.4%
IVV iShares Core S&P 500 ETF 1.50% 3,878 $2.1M Add +0.3%
PG The Procter & Gamble Co. 1.16% 9,915 $1.6M Add +15.8%
SPY SS SPDR S&P 500 ETF Trust-US 1.12% 2,897 $1.6M Reduce -1.0%
SPGI S&P Global Inc. 1.05% 3,336 $1.5M Reduce -5.2%
BND Vanguard Total Bond Market 0.98% 19,117 $1.4M Reduce -45.5%
DIA SS SPDR Dow Jones Indus Avg filed as SPDR DOW JONES INDL AVERAGE 0.95% 3,418 $1.3M Add +0.5%
CMCSA Comcast Corp. Class A 0.89% 32,194 $1.3M Reduce -4.7%
WMT Walmart Inc. 0.89% 18,527 $1.3M Add +0.7%
EOG EOG Resources Inc. 0.87% 9,741 $1.2M Reduce -4.7%
JNJ Johnson & Johnson 0.87% 8,382 $1.2M Add +0.3%
TMO Thermo Fisher Scientific Inc. 0.86% 2,190 $1.2M Add +4.2%
LLY Eli Lilly & Co. 0.84% 1,313 $1.2M Add +8.2%
CB Chubb Ltd. 0.83% 4,566 $1.2M Reduce -6.4%
V Visa Inc. Class A 0.82% 4,402 $1.2M Reduce -0.8%
FDX FedEx Corp. 0.81% 3,814 $1.1M Reduce -6.4%
LOW Lowe's Cos Inc. 0.80% 5,128 $1.1M Reduce -5.6%
MUNI PIMCO Intermediate Municipal 0.79% 21,283 $1.1M Add +0.2%
APD Air Products & Chemicals Inc. 0.78% 4,260 $1.1M Reduce -1.2%
IWB iShares Russell 1000 ETF 0.75% 3,564 $1.1M Add +0.1%
DFEM Dimensional Emrg MRKT Core 0.73% 38,348 $1.0M Add +10.7%
SHW The Sherwin-Williams Co. 0.70% 3,298 $984K Add +0.2%
XLE SS Energy Select Sector 0.69% 10,694 $975K Reduce -11.4%
DHR Danaher Corp. 0.67% 3,775 $943K Reduce -6.3%
DISV Dimensional International SM 0.66% 34,840 $937K Add +4.1%
INTU Intuit Inc. 0.66% 1,411 $927K Add +2.8%
AFL Aflac Inc. 0.65% 10,326 $922K Add +0.6%
LIN Linde PLC 0.65% 2,096 $920K Add +0.3%
INGR Ingredion Inc. 0.65% 7,970 $914K Reduce -6.1%
BDX Becton Dickinson and Co. 0.62% 3,771 $881K Add +0.8%
DFGR Dim Global Real Estate ETF 0.62% 35,203 $880K Add +18.4%
MUB iShares National Muni Bond E 0.62% 8,259 $880K Add +5.2%
QUAL iShares MSCI USA Quality Fac 0.60% 4,981 $851K Reduce -33.3%
SUB iShares Short-Term National 0.58% 7,775 $813K Reduce -8.9%
SYY Sysco Corp. 0.56% 11,013 $786K Add +0.3%
EFV iShares MSCI Eafe Value ETF 0.55% 14,647 $777K Reduce -29.6%
CVX Chevron Corp. 0.54% 4,832 $756K Add +11.7%
ECL Ecolab Inc. 0.52% 3,110 $740K Add +0.3%
XOM Exxon Mobil Corp. 0.52% 6,359 $732K Add +5.6%
UNH Unitedhealth Group Inc. 0.48% 1,322 $673K Reduce -25.6%
VGIT Vanguard Intermediate-Term T 0.48% 11,516 $671K Reduce -0.8%
EFG iShares MSCI Eafe Growth ETF 0.47% 6,449 $660K Reduce -32.6%
RSG Republic Services Inc. 0.46% 3,337 $648K Add +0.3%
ADBE Adobe Inc. 0.46% 1,163 $646K Add +6.7%
PEP Pepsico Inc. 0.44% 3,764 $621K Add +10.8%
ESGU iShares ESG Aware MSCI USA 0.43% 5,093 $608K Reduce -21.8%
SCHB Schwab US Broad Market ETF 0.40% 8,916 $561K Reduce -2.9%
SCHZ Schwab US Aggregate Bond ETF 0.38% 11,688 $533K Reduce -34.6%
NOW ServiceNow Inc. 0.37% 670 $527K Add +6.2%
ABT Abbott Laboratories 0.36% 4,872 $506K Add +0.5%
IUSB Ishr CR Unvrse Usd BD ETF-Ui 0.36% 11,192 $506K Reduce -33.1%
BLK BlackRock Finance Inc. 0.35% 629 $496K Reduce -2.6%
KO The Coca-Cola Co. 0.34% 7,442 $474K Add +0.8%
CHD Church & Dwight Co. Inc. 0.32% 4,328 $449K Add +0.3%
ITOT iShares Core S&P Total U.S. 0.31% 3,687 $438K Add +0.3%
TIP iShares Tips Bond ETF 0.30% 3,971 $424K Add +19.9%
UPS United Parcel Service Class B 0.30% 3,084 $422K Reduce -29.0%
ES Eversource Energy 0.29% 7,296 $414K Reduce -12.2%
JPM JPMorgan Chase & Co. 0.29% 2,016 $408K Reduce -0.4%
WST West Pharmaceutical Services 0.29% 1,228 $404K Reduce -30.0%
WTRG Essential Utilities Inc. 0.28% 10,523 $393K Add +0.8%
ACN Accenture PLC Class A 0.28% 1,296 $393K Reduce -2.1%
TJX TJX Companies Inc. filed as TJX COS INC NEW 0.28% 3,562 $392K Add +0.4%
TGT Target Corp. 0.28% 2,644 $391K Add +0.8%
CSCO Cisco Systems Inc. 0.28% 8,177 $389K Reduce -1.3%
IEMG iShares Core MSCI Emerging 0.27% 7,223 $387K Reduce -20.1%
PHM Pultegroup Inc. 0.27% 3,514 $387K Reduce -8.5%
ADP Automatic Data Processing 0.27% 1,600 $382K Add +0.6%
BALL Ball Corp. 0.27% 6,351 $381K Reduce -15.6%
DSI iShares ESG MSCI KLD 400 ETF 0.27% 3,632 $377K Add +0.2%
VTEB Vanguard Tax-Exempt Bond ETF 0.27% 7,528 $377K Add +0.8%
ETN Eaton Corp. PLC 0.27% 1,199 $376K Add +7.5%
SLB SLB Ltd. filed as SCHLUMBERGER LTD 0.26% 7,870 $371K Add +1.0%
CLX Clorox Company 0.26% 2,659 $363K Add +0.8%
KLAC KLA Corp. 0.26% 436 $360K Add +38.9%
MCK McKesson Corp. 0.25% 595 $347K Add +0.2%
PSA Public Storage 0.24% 1,200 $345K Reduce -3.0%
HD Home Depot Inc. 0.23% 950 $327K Add +0.6%
MA Mastercard Inc. Class A 0.23% 739 $326K Reduce -2.0%
BRO Brown & Brown Inc. 0.23% 3,552 $318K Add +0.4%
ORCL Oracle Corp. 0.22% 2,193 $310K Add +0.3%
SCHW Schwab (charles) Corp. 0.21% 4,107 $303K Add +0.3%
CTAS Cintas Corp. 0.21% 429 $300K Add +0.2%
NVDA Nvidia Corp. 0.21% 2,420 $299K New
GOOG Alphabet Inc. Class C 0.21% 1,619 $297K Add +0.1%
TSCO Tractor Supply Company 0.21% 1,093 $295K Add +14.7%
IYW iShares Ustechnology ETF 0.21% 1,948 $293K Reduce -34.0%
AMGN Amgen Inc. 0.20% 905 $283K Add +0.8%
BRK.B Berkshire Hathaway Inc. Class B 0.19% 666 $271K No change
MRVL Marvell Technology Inc. 0.19% 3,809 $266K New
CRM Salesforce Inc. 0.19% 1,026 $264K Add +11.4%
AWK American Water Works Co. Inc. 0.19% 2,027 $262K Reduce -11.7%
RTX RTX Corp. 0.18% 2,582 $259K Add +0.6%
USMV iShares MSCI USA Min Vol Fac 0.18% 3,049 $256K Reduce -34.6%
MCD McDonald's Corp. 0.18% 996 $254K Reduce -17.8%
VBR Vngrd Mrngst SL-CP Val ETF-U 0.18% 1,363 $249K No change
AZO AutoZone Inc. 0.17% 80 $237K No change
XLC SS Comm Select Sector SPDR 0.16% 2,675 $229K Add +0.3%
WMS Advanced Drainage Systems Inc. 0.16% 1,413 $227K Add +1.8%
VNQ Vanguard Real Estate ETF 0.16% 2,683 $225K Reduce -39.3%
XLK SS Technology Select Sector 0.16% 987 $223K Add +0.2%
IVW iShares S&P 500 Growth ETF 0.16% 2,386 $221K Reduce -29.4%
DHI D.R. Horton Inc. 0.16% 1,555 $219K No change
TFLO iShares Treasury Floating Ra 0.15% 4,290 $217K Reduce -37.5%
LMT Lockheed Martin Corp. 0.15% 465 $217K Add +1.3%
GS Goldman Sachs Group Inc. 0.15% 466 $211K New
MRK Merck & Co. Inc. 0.15% 1,695 $210K Add +1.5%
PLD Prologis Inc. 0.15% 1,872 $210K Reduce -16.2%
NFLX Netflix Inc. 0.15% 305 $206K New
DE Deere & Co. 0.14% 543 $203K Reduce -0.9%

Portfolio Sells Q1 2024 → Q2 2024
SPYM Ste STR SPDR PT S&P 500 ETF Reduce -26.3% 3.03% −0.99
BND Vanguard Total Bond Market Reduce -45.5% 0.98% −0.86
CVS CVS Health Corp. Sold out 0.00% −0.37
QUAL iShares MSCI USA Quality Fac Reduce -33.3% 0.60% −0.28
EFV iShares MSCI Eafe Value ETF Reduce -29.6% 0.55% −0.26
EFG iShares MSCI Eafe Growth ETF Reduce -32.6% 0.47% −0.25
MBB iShares MBS ETF Sold out 0.00% −0.23
SCHZ Schwab US Aggregate Bond ETF Reduce -34.6% 0.38% −0.21
WST West Pharmaceutical Services Reduce -30.0% 0.29% −0.21
BSCP Invesco Bulletshares 2025 CB Sold out 0.00% −0.21
INTC Intel Corp. Sold out 0.00% −0.20
IBTE iShares Ibonds Dec 2024 Term Sold out 0.00% −0.20
LOW Lowe's Cos Inc. Reduce -5.6% 0.80% −0.20
IBTG iShares Ibonds Dec 2026 Term Sold out 0.00% −0.20
BSCQ Invesco Bulletshares 2026 CB Sold out 0.00% −0.19
IUSB Ishr CR Unvrse Usd BD ETF-Ui Reduce -33.1% 0.36% −0.19
IBTF iShares Ibonds Dec 2025 Term Sold out 0.00% −0.18
BSCO Invesco Bulletshares 2024 CB Sold out 0.00% −0.17
EQIX Equinix Inc. Sold out 0.00% −0.17
UPS United Parcel Service Class B Reduce -29.0% 0.30% −0.17
CMCSA Comcast Corp. Class A Reduce -4.7% 0.89% −0.16
GOVT iShares US Treasury Bond ETF Sold out 0.00% −0.16
UNH Unitedhealth Group Inc. Reduce -25.6% 0.48% −0.16
XLB SS Materials Select Sector Sold out 0.00% −0.15
XLI SS Industrial Select Sector Sold out 0.00% −0.15
XLE SS Energy Select Sector Reduce -11.4% 0.69% −0.13
VNQ Vanguard Real Estate ETF Reduce -39.3% 0.16% −0.12
ESGU iShares ESG Aware MSCI USA Reduce -21.8% 0.43% −0.11
USMV iShares MSCI USA Min Vol Fac Reduce -34.6% 0.18% −0.10
TFLO iShares Treasury Floating Ra Reduce -37.5% 0.15% −0.10
BALL Ball Corp. Reduce -15.6% 0.27% −0.10
CB Chubb Ltd. Reduce -6.4% 0.83% −0.09
IYW iShares Ustechnology ETF Reduce -34.0% 0.21% −0.08
V Visa Inc. Class A Reduce -0.8% 0.82% −0.07
EOG EOG Resources Inc. Reduce -4.7% 0.87% −0.07
SUB iShares Short-Term National Reduce -8.9% 0.58% −0.07
INGR Ingredion Inc. Reduce -6.1% 0.65% −0.07
MCD McDonald's Corp. Reduce -17.8% 0.18% −0.07
ES Eversource Energy Reduce -12.2% 0.29% −0.06
IEMG iShares Core MSCI Emerging Reduce -20.1% 0.27% −0.06
PLD Prologis Inc. Reduce -16.2% 0.15% −0.06
PHM Pultegroup Inc. Reduce -8.5% 0.27% −0.06
DHR Danaher Corp. Reduce -6.3% 0.67% −0.06
ACN Accenture PLC Class A Reduce -2.1% 0.28% −0.05
IVW iShares S&P 500 Growth ETF Reduce -29.4% 0.16% −0.05
FDX FedEx Corp. Reduce -6.4% 0.81% −0.04
BLK BlackRock Finance Inc. Reduce -2.6% 0.35% −0.04
MA Mastercard Inc. Class A Reduce -2.0% 0.23% −0.03
SPGI S&P Global Inc. Reduce -5.2% 1.05% −0.02
CSCO Cisco Systems Inc. Reduce -1.3% 0.28% −0.02

Portfolio Buys Q1 2024 → Q2 2024
VTI VG Morningstar TS MKT ETF-US Add +15.5% 8.97% +1.29
VCIT Vanguard Int-Term Corporate Add +32.1% 4.18% +0.94
BNDX Vanguard Total Intl Bond ETF Add +27.7% 4.65% +0.91
VCSH Vanguard S/T Corp. Bond ETF Add +25.6% 3.81% +0.72
SCHR Schwab Intermediate-Term US Add +35.8% 2.60% +0.64
GOOGL Alphabet Inc. Class A Add +0.5% 3.43% +0.55
VEA Vanguard Ftse Developed ETF Add +26.1% 2.56% +0.46
MSFT Microsoft Corp. Add +0.5% 4.85% +0.23
NVDA Nvidia Corp. New 0.21% +0.21
MRVL Marvell Technology Inc. New 0.19% +0.19
LLY Eli Lilly & Co. Add +8.2% 0.84% +0.16
PG The Procter & Gamble Co. Add +15.8% 1.16% +0.16
GS Goldman Sachs Group Inc. New 0.15% +0.15
NFLX Netflix Inc. New 0.15% +0.15
DFSV Dimensional US Small Cap Val Add +16.4% 1.62% +0.14
KLAC KLA Corp. Add +38.9% 0.26% +0.10
WMT Walmart Inc. Add +0.7% 0.89% +0.09
DFEM Dimensional Emrg MRKT Core Add +10.7% 0.73% +0.09
DFGR Dim Global Real Estate ETF Add +18.4% 0.62% +0.08
ADBE Adobe Inc. Add +6.7% 0.46% +0.06
CVX Chevron Corp. Add +11.7% 0.54% +0.04
TIP iShares Tips Bond ETF Add +19.9% 0.30% +0.04
IVV iShares Core S&P 500 ETF Add +0.3% 1.50% +0.04
GOOG Alphabet Inc. Class C Add +0.1% 0.21% +0.03
TSCO Tractor Supply Company Add +14.7% 0.21% +0.03
NOW ServiceNow Inc. Add +6.2% 0.37% +0.03
ORCL Oracle Corp. Add +0.3% 0.22% +0.02
TJX TJX Companies Inc. Add +0.4% 0.28% +0.02
AFL Aflac Inc. Add +0.6% 0.65% +0.02
AMGN Amgen Inc. Add +0.8% 0.20% +0.02
MCK McKesson Corp. Add +0.2% 0.25% +0.02
ETN Eaton Corp. PLC Add +7.5% 0.27% +0.01
MUB iShares National Muni Bond E Add +5.2% 0.62% +0.01
XOM Exxon Mobil Corp. Add +5.6% 0.52% +0.01
INTU Intuit Inc. Add +2.8% 0.66% +0.01
IWB iShares Russell 1000 ETF Add +0.1% 0.75% +0.01
PEP Pepsico Inc. Add +10.8% 0.44% +0.01
XLK SS Technology Select Sector Add +0.2% 0.16% +0.01
KO The Coca-Cola Co. Add +0.8% 0.34% +0.01
ECL Ecolab Inc. Add +0.3% 0.52% +0.01
DISV Dimensional International SM Add +4.1% 0.66% +0.01
XLC SS Comm Select Sector SPDR Add +0.3% 0.16% +0.01
ITOT iShares Core S&P Total U.S. Add +0.3% 0.31% +0.00
DSI iShares ESG MSCI KLD 400 ETF Add +0.2% 0.27% +0.00
RTX RTX Corp. Add +0.6% 0.18% +0.00
LMT Lockheed Martin Corp. Add +1.3% 0.15% +0.00
BRO Brown & Brown Inc. Add +0.4% 0.23% +0.00
SCHW Schwab (charles) Corp. Add +0.3% 0.21% +0.00
CTAS Cintas Corp. Add +0.2% 0.21% +0.00
RSG Republic Services Inc. Add +0.3% 0.46% +0.00

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 141$176.8MVTI, VEA, AAPL, GOOGL, VCSH
Q1 2026 129$160.0MVTI, VEA, AAPL, VCSH, VCIT
Q4 2025 113$165.9MVTI, AAPL, VEA, VCSH, VCIT
Q3 2025 115$164.0MVTI, AAPL, VCSH, MSFT, VCIT
Q2 2025 115$157.8MVTI, MSFT, VCIT, VCSH, AAPL
Q1 2025 110$144.7MVTI, VCIT, BNDX, VCSH, AAPL
Q4 2024 118$149.8MVTI, BNDX, VCIT, AAPL, AMZN
Q3 2024 121$148.1MVTI, BNDX, VCIT, AAPL, MSFT
Q2 2024 122$141.1MVTI, MSFT, BNDX, AMZN, AAPL
Q1 2024 131$138.8MVTI, MSFT, AMZN, SPYM, BNDX