W.H. Cornerstone Investments Inc.
In its 13F for Q3 2024 (holdings as of September 30, 2024, filed October 30, 2024), W.H. Cornerstone Investments Inc. reported 121 stock positions worth $148.1 million. Its top holding was VG Morningstar TS MKT ETF-US (VTI) at 11.2% of the portfolio, followed by Vanguard Total Intl Bond ETF (BNDX, 4.9%) and Vanguard Int-Term Corporate (VCIT, 4.7%). Compared with Q2 2024, it opened 14 new positions, sold out of 15, added to 45 and reduced 60. The biggest buy was VG Morningstar TS MKT ETF-US (VTI, shares +23%) and the biggest sale Ste STR SPDR PT S&P 500 ETF (SPYM, shares −57%).
- Most Recent 13F
- Q2 2026
- Location
- KINGSTON, MA
- CIK
- 0001940823
- Portfolio Value
- $148.1M (Q3 2024)
- SEC Filing
- 0001940823-24-000010 ↗ filed Oct 30, 2024
Holdings Value
Holdings 121 stocks · $148.1M
| VTI VG Morningstar TS MKT ETF-US | 11.17% | 58,385 | $16.5M | Add +23.4% |
| BNDX Vanguard Total Intl Bond ETF | 4.92% | 145,017 | $7.3M | Add +7.5% |
| VCIT Vanguard Int-Term Corporate | 4.66% | 82,444 | $6.9M | Add +11.7% |
| AAPL Apple Inc. | 4.63% | 29,406 | $6.9M | Add +1.1% |
| MSFT Microsoft Corp. | 4.39% | 15,118 | $6.5M | Reduce -1.2% |
| VCSH Vanguard S/T Corp. Bond ETF | 4.10% | 76,400 | $6.1M | Add +9.8% |
| AMZN Amazon.com Inc. | 3.75% | 29,803 | $5.6M | Reduce -6.8% |
| COST Costco Wholesale Corp. | 3.65% | 6,104 | $5.4M | Reduce -4.1% |
| VEA Vanguard Ftse Developed ETF | 3.24% | 90,740 | $4.8M | Add +24.3% |
| GOOGL Alphabet Inc. Class A | 2.87% | 25,637 | $4.3M | Reduce -3.4% |
| SCHR Schwab Intermediate-Term US | 2.85% | 83,400 | $4.2M | Add +11.0% |
| IVV iShares Core S&P 500 ETF | 1.52% | 3,893 | $2.2M | Add +0.4% |
| DFSV Dimensional US Small Cap Val | 1.32% | 63,426 | $2.0M | Reduce -20.2% |
| SPYM Ste STR SPDR PT S&P 500 ETF | 1.31% | 28,660 | $1.9M | Reduce -57.1% |
| PG The Procter & Gamble Co. | 1.24% | 10,595 | $1.8M | Add +6.9% |
| DFEM Dimensional Emrg MRKT Core | 1.22% | 64,190 | $1.8M | Add +67.4% |
| BND Vanguard Total Bond Market | 1.07% | 21,040 | $1.6M | Add +10.1% |
| SHW The Sherwin-Williams Co. | 1.05% | 4,071 | $1.6M | Add +23.4% |
| SPGI S&P Global Inc. | 1.01% | 2,897 | $1.5M | Reduce -13.2% |
| WMT Walmart Inc. | 1.01% | 18,512 | $1.5M | Reduce -0.1% |
| DIA SS SPDR Dow Jones Indus Avg filed as SPDR DOW JONES INDL AVERAGE | 0.98% | 3,430 | $1.5M | Add +0.3% |
| TMO Thermo Fisher Scientific Inc. | 0.96% | 2,294 | $1.4M | Add +4.8% |
| JNJ Johnson & Johnson | 0.92% | 8,374 | $1.4M | Reduce -0.1% |
| AVUV Avantis US Small Cap Value | 0.91% | 14,006 | $1.3M | New |
| DISV Dimensional International SM | 0.90% | 45,948 | $1.3M | Add +31.9% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.87% | 2,256 | $1.3M | Reduce -22.1% |
| DFGR Dim Global Real Estate ETF | 0.87% | 44,555 | $1.3M | Add +26.6% |
| APD Air Products & Chemicals Inc. | 0.85% | 4,223 | $1.3M | Reduce -0.9% |
| LOW Lowe's Cos Inc. | 0.84% | 4,578 | $1.2M | Reduce -10.7% |
| V Visa Inc. Class A | 0.79% | 4,249 | $1.2M | Reduce -3.5% |
| AFL Aflac Inc. | 0.78% | 10,373 | $1.2M | Add +0.5% |
| CMCSA Comcast Corp. Class A | 0.77% | 27,233 | $1.1M | Reduce -15.4% |
| MUNI PIMCO Intermediate Municipal | 0.77% | 21,470 | $1.1M | Add +0.9% |
| IWB iShares Russell 1000 ETF | 0.76% | 3,576 | $1.1M | Add +0.3% |
| CB Chubb Ltd. | 0.74% | 3,790 | $1.1M | Reduce -17.0% |
| EOG EOG Resources Inc. | 0.74% | 8,881 | $1.1M | Reduce -8.8% |
| INGR Ingredion Inc. | 0.66% | 7,142 | $981K | Reduce -10.4% |
| LLY Eli Lilly & Co. | 0.63% | 1,059 | $938K | Reduce -19.4% |
| FDX FedEx Corp. | 0.61% | 3,324 | $910K | Reduce -12.8% |
| BDX Becton Dickinson and Co. | 0.61% | 3,764 | $908K | Reduce -0.2% |
| LIN Linde PLC | 0.61% | 1,883 | $898K | Reduce -10.2% |
| DHR Danaher Corp. | 0.59% | 3,157 | $878K | Reduce -16.4% |
| MUB iShares National Muni Bond E | 0.58% | 7,968 | $866K | Reduce -3.5% |
| SYY Sysco Corp. | 0.58% | 11,090 | $866K | Add +0.7% |
| INTU Intuit Inc. | 0.56% | 1,339 | $832K | Reduce -5.1% |
| SUB iShares Short-Term National | 0.56% | 7,815 | $830K | Add +0.5% |
| ECL Ecolab Inc. | 0.54% | 3,118 | $796K | Add +0.3% |
| XOM Exxon Mobil Corp. | 0.50% | 6,320 | $741K | Reduce -0.6% |
| XLE SS Energy Select Sector | 0.49% | 8,317 | $730K | Reduce -22.2% |
| UNH Unitedhealth Group Inc. | 0.49% | 1,237 | $723K | Reduce -6.4% |
| CVX Chevron Corp. | 0.46% | 4,606 | $678K | Reduce -4.7% |
| RSG Republic Services Inc. | 0.45% | 3,346 | $672K | Add +0.3% |
| VGIT Vanguard Intermediate-Term T | 0.43% | 10,493 | $634K | Reduce -8.9% |
| PEP Pepsico Inc. | 0.40% | 3,439 | $585K | Reduce -8.6% |
| BLK BlackRock Finance Inc. | 0.39% | 604 | $574K | Reduce -4.0% |
| ACN Accenture PLC Class A | 0.39% | 1,617 | $572K | Add +24.8% |
| ABT Abbott Laboratories | 0.37% | 4,866 | $555K | Reduce -0.1% |
| SCHB Schwab US Broad Market ETF | 0.37% | 8,225 | $547K | Reduce -7.8% |
| ADBE Adobe Inc. | 0.36% | 1,037 | $537K | Reduce -10.8% |
| KO The Coca-Cola Co. | 0.36% | 7,448 | $535K | Add +0.1% |
| NOW ServiceNow Inc. | 0.36% | 588 | $526K | Reduce -12.2% |
| MRK Merck & Co. Inc. | 0.34% | 4,476 | $508K | Add +164.1% |
| JPM JPMorgan Chase & Co. | 0.34% | 2,404 | $507K | Add +19.3% |
| TSCO Tractor Supply Company | 0.33% | 1,663 | $484K | Add +52.1% |
| ES Eversource Energy | 0.33% | 7,080 | $482K | Reduce -3.0% |
| ITOT iShares Core S&P Total U.S. | 0.31% | 3,701 | $465K | Add +0.4% |
| CHD Church & Dwight Co. Inc. | 0.31% | 4,340 | $454K | Add +0.3% |
| ADP Automatic Data Processing | 0.30% | 1,606 | $445K | Add +0.4% |
| CSCO Cisco Systems Inc. | 0.30% | 8,207 | $437K | Add +0.4% |
| LMT Lockheed Martin Corp. | 0.29% | 735 | $429K | Add +58.1% |
| ESGU iShares ESG Aware MSCI USA | 0.29% | 3,392 | $428K | Reduce -33.4% |
| PHM Pultegroup Inc. | 0.28% | 2,942 | $422K | Reduce -16.3% |
| CLX Clorox Company | 0.28% | 2,542 | $414K | Reduce -4.4% |
| NEE Nextera Energy Inc. | 0.28% | 4,851 | $410K | New |
| GS Goldman Sachs Group Inc. | 0.28% | 825 | $409K | Add +77.0% |
| TGT Target Corp. | 0.27% | 2,554 | $398K | Reduce -3.4% |
| TJX TJX Companies Inc. filed as TJX COS INC NEW | 0.27% | 3,382 | $397K | Reduce -5.0% |
| DSI iShares ESG MSCI KLD 400 ETF | 0.26% | 3,568 | $388K | Reduce -1.8% |
| VTEB Vanguard Tax-Exempt Bond ETF | 0.26% | 7,586 | $388K | Add +0.8% |
| HD Home Depot Inc. | 0.26% | 951 | $385K | Add +0.1% |
| BALL Ball Corp. | 0.26% | 5,602 | $380K | Reduce -11.8% |
| ORCL Oracle Corp. | 0.25% | 2,199 | $375K | Add +0.3% |
| NVDA Nvidia Corp. | 0.25% | 3,045 | $370K | Add +25.8% |
| BRO Brown & Brown Inc. | 0.25% | 3,546 | $367K | Reduce -0.2% |
| MA Mastercard Inc. Class A | 0.25% | 740 | $365K | Add +0.1% |
| CTAS Cintas Corp. | 0.24% | 1,719 | $354K | Add +0.2% |
| ETN Eaton Corp. PLC | 0.24% | 1,067 | $354K | Reduce -11.0% |
| AEP American Electric Power | 0.23% | 3,372 | $346K | New |
| AMGN Amgen Inc. | 0.22% | 1,000 | $322K | Add +10.5% |
| WTRG Essential Utilities Inc. | 0.21% | 8,246 | $318K | Reduce -21.6% |
| MDT Medtronic PLC | 0.21% | 3,517 | $317K | New |
| BRK.B Berkshire Hathaway Inc. Class B | 0.21% | 666 | $307K | No change |
| PLD Prologis Inc. | 0.21% | 2,414 | $305K | Add +28.9% |
| DHI D.R. Horton Inc. | 0.20% | 1,555 | $297K | No change |
| KLAC KLA Corp. | 0.19% | 369 | $286K | Reduce -15.4% |
| EFV iShares MSCI Eafe Value ETF | 0.19% | 4,885 | $281K | Reduce -66.7% |
| AZO AutoZone Inc. | 0.19% | 89 | $280K | Add +11.3% |
| QUAL iShares MSCI USA Quality Fac | 0.19% | 1,556 | $279K | Reduce -68.8% |
| CRM Salesforce Inc. | 0.19% | 1,013 | $277K | Reduce -1.3% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.19% | 1,376 | $276K | Add +0.9% |
Portfolio Sells Q2 2024 → Q3 2024
| SPYM Ste STR SPDR PT S&P 500 ETF | Reduce -57.1% | 1.31% | −1.72 |
| AMZN Amazon.com Inc. | Reduce -6.8% | 3.75% | −0.63 |
| GOOGL Alphabet Inc. Class A | Reduce -3.4% | 2.87% | −0.55 |
| MSFT Microsoft Corp. | Reduce -1.2% | 4.39% | −0.45 |
| QUAL iShares MSCI USA Quality Fac | Reduce -68.8% | 0.19% | −0.41 |
| SCHZ Schwab US Aggregate Bond ETF | Sold out | 0.00% | −0.38 |
| EFV iShares MSCI Eafe Value ETF | Reduce -66.7% | 0.19% | −0.36 |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | Sold out | 0.00% | −0.36 |
| EFG iShares MSCI Eafe Growth ETF | Reduce -67.9% | 0.15% | −0.32 |
| DFSV Dimensional US Small Cap Val | Reduce -20.2% | 1.32% | −0.30 |
| UPS United Parcel Service Class B | Sold out | 0.00% | −0.30 |
| IEMG iShares Core MSCI Emerging | Sold out | 0.00% | −0.27 |
| MCK McKesson Corp. | Sold out | 0.00% | −0.25 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -22.1% | 0.87% | −0.24 |
| SCHW Schwab (charles) Corp. | Sold out | 0.00% | −0.21 |
| LLY Eli Lilly & Co. | Reduce -19.4% | 0.63% | −0.21 |
| IYW iShares Ustechnology ETF | Sold out | 0.00% | −0.21 |
| XLE SS Energy Select Sector | Reduce -22.2% | 0.49% | −0.20 |
| FDX FedEx Corp. | Reduce -12.8% | 0.61% | −0.20 |
| USMV iShares MSCI USA Min Vol Fac | Sold out | 0.00% | −0.18 |
| MCD McDonald's Corp. | Sold out | 0.00% | −0.18 |
| COST Costco Wholesale Corp. | Reduce -4.1% | 3.65% | −0.18 |
| XLC SS Comm Select Sector SPDR | Sold out | 0.00% | −0.16 |
| TIP iShares Tips Bond ETF | Reduce -52.1% | 0.14% | −0.16 |
| XLK SS Technology Select Sector | Sold out | 0.00% | −0.16 |
| IVW iShares S&P 500 Growth ETF | Sold out | 0.00% | −0.16 |
| TFLO iShares Treasury Floating Ra | Sold out | 0.00% | −0.15 |
| NFLX Netflix Inc. | Sold out | 0.00% | −0.15 |
| DE Deere & Co. | Sold out | 0.00% | −0.14 |
| ESGU iShares ESG Aware MSCI USA | Reduce -33.4% | 0.29% | −0.14 |
| EOG EOG Resources Inc. | Reduce -8.8% | 0.74% | −0.13 |
| WST West Pharmaceutical Services | Reduce -35.8% | 0.16% | −0.13 |
| CMCSA Comcast Corp. Class A | Reduce -15.4% | 0.77% | −0.12 |
| SLB SLB Ltd. | Reduce -37.2% | 0.14% | −0.12 |
| ADBE Adobe Inc. | Reduce -10.8% | 0.36% | −0.10 |
| INTU Intuit Inc. | Reduce -5.1% | 0.56% | −0.09 |
| CB Chubb Ltd. | Reduce -17.0% | 0.74% | −0.09 |
| CVX Chevron Corp. | Reduce -4.7% | 0.46% | −0.08 |
| DHR Danaher Corp. | Reduce -16.4% | 0.59% | −0.08 |
| WTRG Essential Utilities Inc. | Reduce -21.6% | 0.21% | −0.06 |
| KLAC KLA Corp. | Reduce -15.4% | 0.19% | −0.06 |
| PSA Public Storage | Reduce -37.0% | 0.19% | −0.06 |
| VGIT Vanguard Intermediate-Term T | Reduce -8.9% | 0.43% | −0.05 |
| LIN Linde PLC | Reduce -10.2% | 0.61% | −0.05 |
| PEP Pepsico Inc. | Reduce -8.6% | 0.40% | −0.04 |
| SPGI S&P Global Inc. | Reduce -13.2% | 1.01% | −0.04 |
| GOOG Alphabet Inc. Class C | Reduce -7.5% | 0.17% | −0.04 |
| MUB iShares National Muni Bond E | Reduce -3.5% | 0.58% | −0.04 |
| V Visa Inc. Class A | Reduce -3.5% | 0.79% | −0.03 |
| RTX RTX Corp. | Reduce -27.0% | 0.15% | −0.03 |
Portfolio Buys Q2 2024 → Q3 2024
| VTI VG Morningstar TS MKT ETF-US | Add +23.4% | 11.17% | +2.19 |
| AVUV Avantis US Small Cap Value | New | 0.91% | +0.91 |
| VEA Vanguard Ftse Developed ETF | Add +24.3% | 3.24% | +0.68 |
| DFEM Dimensional Emrg MRKT Core | Add +67.4% | 1.22% | +0.49 |
| VCIT Vanguard Int-Term Corporate | Add +11.7% | 4.66% | +0.48 |
| SHW The Sherwin-Williams Co. | Add +23.4% | 1.05% | +0.35 |
| VCSH Vanguard S/T Corp. Bond ETF | Add +9.8% | 4.10% | +0.29 |
| AAPL Apple Inc. | Add +1.1% | 4.63% | +0.28 |
| NEE Nextera Energy Inc. | New | 0.28% | +0.28 |
| BNDX Vanguard Total Intl Bond ETF | Add +7.5% | 4.92% | +0.27 |
| SCHR Schwab Intermediate-Term US | Add +11.0% | 2.85% | +0.25 |
| DFGR Dim Global Real Estate ETF | Add +26.6% | 0.87% | +0.24 |
| DISV Dimensional International SM | Add +31.9% | 0.90% | +0.24 |
| AEP American Electric Power | New | 0.23% | +0.23 |
| MDT Medtronic PLC | New | 0.21% | +0.21 |
| MRK Merck & Co. Inc. | Add +164.1% | 0.34% | +0.19 |
| META Meta Platforms Inc. Class A | New | 0.18% | +0.18 |
| QCOM Qualcomm Inc. | New | 0.17% | +0.17 |
| TSLA Tesla Inc. | New | 0.17% | +0.17 |
| EUSB Ishr ESG Advn Universal BD-$ | New | 0.15% | +0.15 |
| LCTU iShares U.S. Carbon Transiti | New | 0.15% | +0.15 |
| AVGO Broadcom Inc. | New | 0.14% | +0.14 |
| XLB SS Materials Select Sector | New | 0.14% | +0.14 |
| STIP iShares 0-5 Year Tips Bond E | New | 0.14% | +0.14 |
| VTIP Vanguard Short-Term Tips | New | 0.14% | +0.14 |
| FISV Fiserv Inc. | New | 0.14% | +0.14 |
| LMT Lockheed Martin Corp. | Add +58.1% | 0.29% | +0.14 |
| AFL Aflac Inc. | Add +0.5% | 0.78% | +0.13 |
| GS Goldman Sachs Group Inc. | Add +77.0% | 0.28% | +0.13 |
| TSCO Tractor Supply Company | Add +52.1% | 0.33% | +0.12 |
| ACN Accenture PLC Class A | Add +24.8% | 0.39% | +0.11 |
| TMO Thermo Fisher Scientific Inc. | Add +4.8% | 0.96% | +0.10 |
| BND Vanguard Total Bond Market | Add +10.1% | 1.07% | +0.09 |
| PG The Procter & Gamble Co. | Add +6.9% | 1.24% | +0.08 |
| PLD Prologis Inc. | Add +28.9% | 0.21% | +0.06 |
| JPM JPMorgan Chase & Co. | Add +19.3% | 0.34% | +0.05 |
| NVDA Nvidia Corp. | Add +25.8% | 0.25% | +0.04 |
| ORCL Oracle Corp. | Add +0.3% | 0.25% | +0.03 |
| DIA SS SPDR Dow Jones Indus Avg | Add +0.3% | 0.98% | +0.03 |
| ADP Automatic Data Processing | Add +0.4% | 0.30% | +0.03 |
| HD Home Depot Inc. | Add +0.1% | 0.26% | +0.03 |
| SYY Sysco Corp. | Add +0.7% | 0.58% | +0.03 |
| CTAS Cintas Corp. | Add +0.2% | 0.24% | +0.03 |
| KO The Coca-Cola Co. | Add +0.1% | 0.36% | +0.03 |
| AZO AutoZone Inc. | Add +11.3% | 0.19% | +0.02 |
| CSCO Cisco Systems Inc. | Add +0.4% | 0.30% | +0.02 |
| AMGN Amgen Inc. | Add +10.5% | 0.22% | +0.02 |
| MA Mastercard Inc. Class A | Add +0.1% | 0.25% | +0.02 |
| ECL Ecolab Inc. | Add +0.3% | 0.54% | +0.01 |
| IVV iShares Core S&P 500 ETF | Add +0.4% | 1.52% | +0.01 |
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 |