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

0$50.0M$100.0M$150.0M$200.0M Q1 2024: $138.8M Q1 2024 Q2 2024: $141.1M Q2 2024 Q3 2024: $148.1M Q3 2024 Q4 2024: $149.8M $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 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%
QUAL iShares MSCI USA Quality Fac 0.19% 1,558 $277K Add +0.1%
VBR Vngrd Mrngst SL-CP Val ETF-U 0.18% 1,384 $274K Add +0.6%
AMGN Amgen Inc. 0.18% 1,007 $262K Add +0.7%
EFV iShares MSCI Eafe Value ETF 0.17% 4,924 $258K Add +0.8%
IEI iShares 3-7 Year Treasury Bo 0.17% 2,213 $256K New
BALL Ball Corp. 0.17% 4,572 $252K Reduce -18.4%
WTRG Essential Utilities Inc. 0.17% 6,837 $248K Reduce -17.1%
VNQ Vanguard Real Estate ETF 0.16% 2,721 $242K Add +1.7%
LCTU iShares U.S. Carbon Transiti 0.15% 3,608 $231K Add +1.0%
FISV Fiserv Inc. 0.15% 1,123 $231K Reduce -1.1%
EUSB Ishr ESG Advn Universal BD-$ 0.15% 5,238 $223K Add +3.0%
DHI D.R. Horton Inc. 0.15% 1,555 $217K No change
XLY SS Consumer Disc Select Sect 0.14% 928 $208K New
TIP iShares Tips Bond ETF 0.14% 1,948 $208K Add +2.5%
NFLX Netflix Inc. 0.14% 232 $207K New
STIP iShares 0-5 Year Tips Bond E 0.14% 2,040 $205K Add +0.6%
VTIP Vanguard Short-Term Tips 0.14% 4,236 $205K Add +1.7%
EFG iShares MSCI Eafe Growth ETF 0.13% 2,076 $201K Add +0.3%

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

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