W.H. Cornerstone Investments Inc.
In its 13F for Q4 2024 (holdings as of December 31, 2024, filed January 30, 2025), W.H. Cornerstone Investments Inc. reported 118 stock positions worth $149.8 million. Its top holding was VG Morningstar TS MKT ETF-US (VTI) at 10.9% of the portfolio, followed by Vanguard Total Intl Bond ETF (BNDX, 5.3%) and Vanguard Int-Term Corporate (VCIT, 5.0%). Compared with Q3 2024, it opened 8 new positions, sold out of 11, added to 69 and reduced 38. The biggest buy was a new position in T-Mobile US (TMUS) and the biggest sale Vanguard Total Bond Market (BND, shares −73%).
- Most Recent 13F
- Q2 2026
- Location
- KINGSTON, MA
- CIK
- 0001940823
- Portfolio Value
- $149.8M (Q4 2024)
- SEC Filing
- 0001940823-25-000002 ↗ filed Jan 30, 2025
Holdings Value
Holdings 118 stocks · $149.8M
| VTI VG Morningstar TS MKT ETF-US | 10.93% | 56,475 | $16.4M | Reduce -3.3% |
| BNDX Vanguard Total Intl Bond ETF | 5.33% | 162,723 | $8.0M | Add +12.2% |
| VCIT Vanguard Int-Term Corporate | 4.98% | 92,978 | $7.5M | Add +12.8% |
| AAPL Apple Inc. | 4.82% | 28,817 | $7.2M | Reduce -2.0% |
| AMZN Amazon.com Inc. | 4.23% | 28,852 | $6.3M | Reduce -3.2% |
| MSFT Microsoft Corp. | 4.08% | 14,505 | $6.1M | Reduce -4.0% |
| VCSH Vanguard S/T Corp. Bond ETF | 4.07% | 78,150 | $6.1M | Add +2.3% |
| COST Costco Wholesale Corp. | 3.40% | 5,554 | $5.1M | Reduce -9.0% |
| GOOGL Alphabet Inc. Class A | 3.33% | 26,319 | $5.0M | Add +2.7% |
| VEA Vanguard Ftse Developed ETF | 2.89% | 90,402 | $4.3M | Reduce -0.4% |
| SCHR Schwab Intermediate-Term US | 2.85% | 175,699 | $4.3M | Add +5.3% |
| IVV iShares Core S&P 500 ETF | 1.54% | 3,907 | $2.3M | Add +0.4% |
| SPYM Ste STR SPDR PT S&P 500 ETF | 1.29% | 27,962 | $1.9M | Reduce -2.4% |
| DFSV Dimensional US Small Cap Val | 1.22% | 59,325 | $1.8M | Reduce -6.5% |
| DFEM Dimensional Emrg MRKT Core | 1.18% | 67,678 | $1.8M | Add +5.4% |
| PG The Procter & Gamble Co. | 1.14% | 10,184 | $1.7M | Reduce -3.9% |
| SHW The Sherwin-Williams Co. | 1.10% | 4,836 | $1.6M | Add +18.8% |
| IWB iShares Russell 1000 ETF | 1.04% | 4,827 | $1.6M | Add +35.0% |
| TMO Thermo Fisher Scientific Inc. | 1.00% | 2,870 | $1.5M | Add +25.1% |
| AVUV Avantis US Small Cap Value | 0.97% | 15,106 | $1.5M | Add +7.8% |
| DIA SS SPDR Dow Jones Indus Avg filed as SPDR DOW JONES INDL AVERAGE | 0.96% | 3,394 | $1.4M | Reduce -1.1% |
| WMT Walmart Inc. | 0.95% | 15,778 | $1.4M | Reduce -14.8% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.89% | 2,262 | $1.3M | Add +0.3% |
| DISV Dimensional International SM | 0.85% | 48,098 | $1.3M | Add +4.7% |
| INGR Ingredion Inc. | 0.84% | 9,186 | $1.3M | Add +28.6% |
| V Visa Inc. Class A | 0.81% | 3,859 | $1.2M | Reduce -9.2% |
| APD Air Products & Chemicals Inc. | 0.77% | 3,992 | $1.2M | Reduce -5.5% |
| JNJ Johnson & Johnson | 0.76% | 7,910 | $1.1M | Reduce -5.5% |
| DFGR Dim Global Real Estate ETF | 0.76% | 44,727 | $1.1M | Add +0.4% |
| EOG EOG Resources Inc. | 0.75% | 9,221 | $1.1M | Add +3.8% |
| MUNI PIMCO Intermediate Municipal | 0.75% | 21,654 | $1.1M | Add +0.9% |
| AFL Aflac Inc. | 0.72% | 10,420 | $1.1M | Add +0.5% |
| SPGI S&P Global Inc. | 0.66% | 1,987 | $989K | Reduce -31.4% |
| CMCSA Comcast Corp. Class A | 0.62% | 24,921 | $935K | Reduce -8.5% |
| SCHB Schwab US Broad Market ETF | 0.60% | 39,915 | $906K | Add +61.8% |
| MUB iShares National Muni Bond E | 0.60% | 8,378 | $893K | Add +5.2% |
| GS Goldman Sachs Group Inc. | 0.59% | 1,532 | $877K | Add +85.7% |
| SUB iShares Short-Term National | 0.58% | 8,206 | $866K | Add +5.0% |
| BDX Becton Dickinson and Co. | 0.57% | 3,781 | $858K | Add +0.5% |
| SYY Sysco Corp. | 0.57% | 11,166 | $854K | Add +0.7% |
| NVDA Nvidia Corp. | 0.56% | 6,217 | $835K | Add +104.2% |
| LOW Lowe's Cos Inc. | 0.55% | 3,366 | $831K | Reduce -26.5% |
| ACN Accenture PLC Class A | 0.50% | 2,138 | $752K | Add +32.2% |
| TSCO Tractor Supply Company | 0.49% | 13,903 | $738K | Add +67.2% |
| ECL Ecolab Inc. | 0.49% | 3,125 | $732K | Add +0.2% |
| XOM Exxon Mobil Corp. | 0.48% | 6,712 | $722K | Add +6.2% |
| VTEB Vanguard Tax-Exempt Bond ETF | 0.48% | 14,207 | $712K | Add +87.3% |
| XLE SS Energy Select Sector | 0.47% | 8,271 | $708K | Reduce -0.6% |
| VGIT Vanguard Intermediate-Term T | 0.46% | 11,787 | $684K | Add +12.3% |
| TMUS T-Mobile US Inc. | 0.46% | 3,093 | $683K | New |
| RSG Republic Services Inc. | 0.46% | 3,392 | $682K | Add +1.4% |
| CVX Chevron Corp. | 0.45% | 4,672 | $677K | Add +1.4% |
| INTU Intuit Inc. | 0.45% | 1,066 | $670K | Reduce -20.4% |
| CB Chubb Ltd. | 0.45% | 2,421 | $669K | Reduce -36.1% |
| LMT Lockheed Martin Corp. | 0.43% | 1,332 | $647K | Add +81.2% |
| NEE Nextera Energy Inc. | 0.43% | 8,956 | $642K | Add +84.6% |
| LIN Linde PLC | 0.42% | 1,492 | $625K | Reduce -20.8% |
| BLK BlackRock Inc. | 0.41% | 606 | $621K | Add +0.3% |
| FRT Federal Realty Invs Trust | 0.41% | 5,473 | $613K | New |
| UNH Unitedhealth Group Inc. | 0.40% | 1,195 | $604K | Reduce -3.4% |
| LLY Eli Lilly & Co. | 0.40% | 782 | $604K | Reduce -26.2% |
| AXP American Express Co. | 0.40% | 2,020 | $600K | New |
| PSA Public Storage | 0.40% | 1,991 | $596K | Add +163.4% |
| FDX FedEx Corp. | 0.40% | 2,106 | $592K | Reduce -36.6% |
| AEP American Electric Power | 0.39% | 6,398 | $590K | Add +89.7% |
| XLV SS Health Care Select Sector | 0.38% | 4,167 | $573K | New |
| MDT Medtronic PLC | 0.38% | 7,146 | $571K | Add +103.2% |
| ABT Abbott Laboratories | 0.37% | 4,889 | $553K | Add +0.5% |
| HD Home Depot Inc. | 0.36% | 1,400 | $545K | Add +47.2% |
| NOW ServiceNow Inc. | 0.36% | 513 | $544K | Reduce -12.8% |
| TSLA Tesla Inc. | 0.36% | 1,344 | $543K | Add +39.1% |
| DHR Danaher Corp. | 0.36% | 2,327 | $534K | Reduce -26.3% |
| TJX TJX Companies Inc. filed as TJX COS INC NEW | 0.34% | 4,217 | $509K | Add +24.7% |
| JPM JPMorgan Chase & Co. | 0.33% | 2,074 | $497K | Reduce -13.7% |
| CSCO Cisco Systems Inc. | 0.32% | 8,091 | $479K | Reduce -1.4% |
| ITOT iShares Core S&P Total U.S. | 0.32% | 3,714 | $478K | Add +0.3% |
| ADBE Adobe Inc. | 0.32% | 1,070 | $476K | Add +3.2% |
| ADP Automatic Data Processing | 0.32% | 1,615 | $473K | Add +0.6% |
| CRM Salesforce Inc. | 0.31% | 1,406 | $470K | Add +38.8% |
| CAT Caterpillar Inc. | 0.31% | 1,262 | $458K | New |
| CHD Church & Dwight Co. Inc. | 0.30% | 4,351 | $456K | Add +0.3% |
| ESGU iShares ESG Aware MSCI USA | 0.29% | 3,400 | $438K | Add +0.2% |
| CLX Clorox Company | 0.28% | 2,561 | $416K | Add +0.8% |
| BND Vanguard Total Bond Market | 0.27% | 5,640 | $406K | Reduce -73.2% |
| KO The Coca-Cola Co. | 0.27% | 6,394 | $398K | Reduce -14.2% |
| DSI iShares ESG MSCI KLD 400 ETF | 0.26% | 3,579 | $395K | Add +0.3% |
| MA Mastercard Inc. Class A | 0.26% | 740 | $390K | No change |
| PEP Pepsico Inc. | 0.26% | 2,551 | $388K | Reduce -25.8% |
| MRVL Marvell Technology Inc. | 0.25% | 3,452 | $381K | Reduce -1.6% |
| ORCL Oracle Corp. | 0.25% | 2,204 | $367K | Add +0.2% |
| BRO Brown & Brown Inc. | 0.24% | 3,551 | $362K | Add +0.1% |
| META Meta Platforms Inc. Class A | 0.24% | 615 | $360K | Add +33.7% |
| TGT Target Corp. | 0.23% | 2,575 | $348K | Add +0.8% |
| ETN Eaton Corp. PLC | 0.23% | 1,045 | $347K | Reduce -2.1% |
| PHM Pultegroup Inc. | 0.21% | 2,931 | $319K | Reduce -0.4% |
| CTAS Cintas Corp. | 0.21% | 1,722 | $315K | Add +0.2% |
| GOOG Alphabet Inc. Class C | 0.20% | 1,559 | $297K | Add +4.1% |
| AVGO Broadcom Inc. | 0.19% | 1,240 | $288K | Add +0.2% |
| AZO AutoZone Inc. | 0.19% | 89 | $285K | No change |
| BRK.B Berkshire Hathaway Inc. Class B | 0.19% | 613 | $278K | Reduce -8.0% |
Portfolio Sells Q3 2024 → Q4 2024
| BND Vanguard Total Bond Market | Reduce -73.2% | 0.27% | −0.80 |
| SPGI S&P Global Inc. | Reduce -31.4% | 0.66% | −0.35 |
| VEA Vanguard Ftse Developed ETF | Reduce -0.4% | 2.89% | −0.35 |
| MRK Merck & Co. Inc. | Sold out | 0.00% | −0.34 |
| ES Eversource Energy | Sold out | 0.00% | −0.33 |
| MSFT Microsoft Corp. | Reduce -4.0% | 4.08% | −0.31 |
| CB Chubb Ltd. | Reduce -36.1% | 0.45% | −0.29 |
| LOW Lowe's Cos Inc. | Reduce -26.5% | 0.55% | −0.28 |
| COST Costco Wholesale Corp. | Reduce -9.0% | 3.40% | −0.26 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -3.3% | 10.93% | −0.24 |
| DHR Danaher Corp. | Reduce -26.3% | 0.36% | −0.24 |
| LLY Eli Lilly & Co. | Reduce -26.2% | 0.40% | −0.23 |
| FDX FedEx Corp. | Reduce -36.6% | 0.40% | −0.22 |
| PLD Prologis Inc. | Sold out | 0.00% | −0.21 |
| KLAC KLA Corp. | Sold out | 0.00% | −0.19 |
| LIN Linde PLC | Reduce -20.8% | 0.42% | −0.19 |
| QCOM Qualcomm Inc. | Sold out | 0.00% | −0.17 |
| AWK American Water Works Co. Inc. | Sold out | 0.00% | −0.17 |
| WST West Pharmaceutical Services | Sold out | 0.00% | −0.16 |
| RTX RTX Corp. | Sold out | 0.00% | −0.15 |
| JNJ Johnson & Johnson | Reduce -5.5% | 0.76% | −0.15 |
| WMS Advanced Drainage Systems Inc. | Sold out | 0.00% | −0.15 |
| CMCSA Comcast Corp. Class A | Reduce -8.5% | 0.62% | −0.14 |
| XLB SS Materials Select Sector | Sold out | 0.00% | −0.14 |
| SLB SLB Ltd. | Sold out | 0.00% | −0.14 |
| PEP Pepsico Inc. | Reduce -25.8% | 0.26% | −0.14 |
| INTU Intuit Inc. | Reduce -20.4% | 0.45% | −0.11 |
| DFSV Dimensional US Small Cap Val | Reduce -6.5% | 1.22% | −0.10 |
| PG The Procter & Gamble Co. | Reduce -3.9% | 1.14% | −0.10 |
| KO The Coca-Cola Co. | Reduce -14.2% | 0.27% | −0.10 |
| BALL Ball Corp. | Reduce -18.4% | 0.17% | −0.09 |
| UNH Unitedhealth Group Inc. | Reduce -3.4% | 0.40% | −0.08 |
| APD Air Products & Chemicals Inc. | Reduce -5.5% | 0.77% | −0.08 |
| PHM Pultegroup Inc. | Reduce -0.4% | 0.21% | −0.07 |
| WMT Walmart Inc. | Reduce -14.8% | 0.95% | −0.06 |
| WTRG Essential Utilities Inc. | Reduce -17.1% | 0.17% | −0.05 |
| BRK.B Berkshire Hathaway Inc. Class B | Reduce -8.0% | 0.19% | −0.02 |
| XLE SS Energy Select Sector | Reduce -0.6% | 0.47% | −0.02 |
| SPYM Ste STR SPDR PT S&P 500 ETF | Reduce -2.4% | 1.29% | −0.02 |
| DIA SS SPDR Dow Jones Indus Avg | Reduce -1.1% | 0.96% | −0.02 |
| JPM JPMorgan Chase & Co. | Reduce -13.7% | 0.33% | −0.01 |
| ETN Eaton Corp. PLC | Reduce -2.1% | 0.23% | −0.01 |
| NOW ServiceNow Inc. | Reduce -12.8% | 0.36% | +0.01 |
| FISV Fiserv Inc. | Reduce -1.1% | 0.15% | +0.02 |
| CSCO Cisco Systems Inc. | Reduce -1.4% | 0.32% | +0.02 |
| V Visa Inc. Class A | Reduce -9.2% | 0.81% | +0.03 |
| MRVL Marvell Technology Inc. | Reduce -1.6% | 0.25% | +0.08 |
| AAPL Apple Inc. | Reduce -2.0% | 4.82% | +0.19 |
| AMZN Amazon.com Inc. | Reduce -3.2% | 4.23% | +0.48 |
Portfolio Buys Q3 2024 → Q4 2024
| TMUS T-Mobile US Inc. | New | 0.46% | +0.46 |
| GOOGL Alphabet Inc. Class A | Add +2.7% | 3.33% | +0.45 |
| FRT Federal Realty Invs Trust | New | 0.41% | +0.41 |
| BNDX Vanguard Total Intl Bond ETF | Add +12.2% | 5.33% | +0.40 |
| AXP American Express Co. | New | 0.40% | +0.40 |
| XLV SS Health Care Select Sector | New | 0.38% | +0.38 |
| VCIT Vanguard Int-Term Corporate | Add +12.8% | 4.98% | +0.32 |
| GS Goldman Sachs Group Inc. | Add +85.7% | 0.59% | +0.31 |
| NVDA Nvidia Corp. | Add +104.2% | 0.56% | +0.31 |
| CAT Caterpillar Inc. | New | 0.31% | +0.31 |
| IWB iShares Russell 1000 ETF | Add +35.0% | 1.04% | +0.28 |
| SCHB Schwab US Broad Market ETF | Add +61.8% | 0.60% | +0.24 |
| VTEB Vanguard Tax-Exempt Bond ETF | Add +87.3% | 0.48% | +0.21 |
| PSA Public Storage | Add +163.4% | 0.40% | +0.21 |
| TSLA Tesla Inc. | Add +39.1% | 0.36% | +0.19 |
| INGR Ingredion Inc. | Add +28.6% | 0.84% | +0.18 |
| IEI iShares 3-7 Year Treasury Bo | New | 0.17% | +0.17 |
| MDT Medtronic PLC | Add +103.2% | 0.38% | +0.17 |
| TSCO Tractor Supply Company | Add +67.2% | 0.49% | +0.17 |
| AEP American Electric Power | Add +89.7% | 0.39% | +0.16 |
| NEE Nextera Energy Inc. | Add +84.6% | 0.43% | +0.15 |
| LMT Lockheed Martin Corp. | Add +81.2% | 0.43% | +0.14 |
| XLY SS Consumer Disc Select Sect | New | 0.14% | +0.14 |
| NFLX Netflix Inc. | New | 0.14% | +0.14 |
| CRM Salesforce Inc. | Add +38.8% | 0.31% | +0.13 |
| ACN Accenture PLC Class A | Add +32.2% | 0.50% | +0.12 |
| HD Home Depot Inc. | Add +47.2% | 0.36% | +0.10 |
| TJX TJX Companies Inc. | Add +24.7% | 0.34% | +0.07 |
| AVUV Avantis US Small Cap Value | Add +7.8% | 0.97% | +0.07 |
| META Meta Platforms Inc. Class A | Add +33.7% | 0.24% | +0.06 |
| AVGO Broadcom Inc. | Add +0.2% | 0.19% | +0.05 |
| SHW The Sherwin-Williams Co. | Add +18.8% | 1.10% | +0.05 |
| TMO Thermo Fisher Scientific Inc. | Add +25.1% | 1.00% | +0.04 |
| GOOG Alphabet Inc. Class C | Add +4.1% | 0.20% | +0.03 |
| VGIT Vanguard Intermediate-Term T | Add +12.3% | 0.46% | +0.03 |
| BLK BlackRock Inc. | Add +0.3% | 0.41% | +0.03 |
| IVV iShares Core S&P 500 ETF | Add +0.4% | 1.54% | +0.02 |
| SUB iShares Short-Term National | Add +5.0% | 0.58% | +0.02 |
| EOG EOG Resources Inc. | Add +3.8% | 0.75% | +0.02 |
| ADP Automatic Data Processing | Add +0.6% | 0.32% | +0.01 |
| MUB iShares National Muni Bond E | Add +5.2% | 0.60% | +0.01 |
| SPY SS SPDR S&P 500 ETF Trust-US | Add +0.3% | 0.89% | +0.01 |
| ITOT iShares Core S&P Total U.S. | Add +0.3% | 0.32% | +0.00 |
| ESGU iShares ESG Aware MSCI USA | Add +0.2% | 0.29% | +0.00 |
| LCTU iShares U.S. Carbon Transiti | Add +1.0% | 0.15% | +0.00 |
| RSG Republic Services Inc. | Add +1.4% | 0.46% | +0.00 |
| DSI iShares ESG MSCI KLD 400 ETF | Add +0.3% | 0.26% | +0.00 |
| SCHR Schwab Intermediate-Term US | Add +5.3% | 2.85% | −0.00 |
| STIP iShares 0-5 Year Tips Bond E | Add +0.6% | 0.14% | −0.00 |
| VTIP Vanguard Short-Term Tips | Add +1.7% | 0.14% | −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 |