W.H. Cornerstone Investments Inc.
In its 13F for Q1 2025 (holdings as of March 31, 2025, filed May 9, 2025), W.H. Cornerstone Investments Inc. reported 110 stock positions worth $144.7 million. Its top holding was VG Morningstar TS MKT ETF-US (VTI) at 10.5% of the portfolio, followed by Vanguard Int-Term Corporate (VCIT, 5.7%) and Vanguard Total Intl Bond ETF (BNDX, 5.6%). Compared with Q4 2024, it opened 7 new positions, sold out of 15, added to 53 and reduced 46. The biggest buy was a new position in Atmos Energy (ATO) and the biggest sale Amazon.com (AMZN, shares −19%).
- Most Recent 13F
- Q2 2026
- Location
- KINGSTON, MA
- CIK
- 0001940823
- Portfolio Value
- $144.7M (Q1 2025)
- SEC Filing
- 0002063364-25-000081 ↗ filed May 9, 2025
Holdings Value
Holdings 110 stocks · $144.7M
| VTI VG Morningstar TS MKT ETF-US | 10.48% | 55,199 | $15.2M | Reduce -2.3% |
| VCIT Vanguard Int-Term Corporate | 5.67% | 100,351 | $8.2M | Add +7.9% |
| BNDX Vanguard Total Intl Bond ETF | 5.65% | 167,342 | $8.2M | Add +2.8% |
| VCSH Vanguard S/T Corp. Bond ETF | 4.53% | 82,962 | $6.5M | Add +6.2% |
| AAPL Apple Inc. | 4.38% | 28,539 | $6.3M | Reduce -1.0% |
| MSFT Microsoft Corp. | 3.72% | 14,351 | $5.4M | Reduce -1.1% |
| VEA Vanguard Ftse Developed ETF | 3.27% | 93,207 | $4.7M | Add +3.1% |
| SCHR Schwab Intermediate-Term US | 3.25% | 189,367 | $4.7M | Add +7.8% |
| AMZN Amazon.com Inc. | 3.07% | 23,353 | $4.4M | Reduce -19.1% |
| COST Costco Wholesale Corp. | 2.85% | 4,363 | $4.1M | Reduce -21.4% |
| GOOGL Alphabet Inc. Class A | 2.33% | 21,813 | $3.4M | Reduce -17.1% |
| DFSV Dimensional US Small Cap Val | 1.83% | 94,321 | $2.7M | Add +59.0% |
| IVV iShares Core S&P 500 ETF | 1.50% | 3,873 | $2.2M | Reduce -0.9% |
| DFEM Dimensional Emrg MRKT Core | 1.50% | 82,008 | $2.2M | Add +21.2% |
| V Visa Inc. Class A | 1.44% | 5,965 | $2.1M | Add +54.6% |
| TMO Thermo Fisher Scientific Inc. | 1.24% | 3,618 | $1.8M | Add +26.1% |
| SPYM Ste STR SPDR PT S&P 500 ETF | 1.21% | 26,616 | $1.8M | Reduce -4.8% |
| PG The Procter & Gamble Co. | 1.10% | 9,352 | $1.6M | Reduce -8.2% |
| DISV Dimensional International SM | 0.96% | 47,866 | $1.4M | Reduce -0.5% |
| DIA SS SPDR Dow Jones Indus Avg filed as SPDR DOW JONES INDL AVERAGE | 0.93% | 3,198 | $1.3M | Reduce -5.8% |
| XOM Exxon Mobil Corp. | 0.90% | 10,979 | $1.3M | Add +63.6% |
| JNJ Johnson & Johnson | 0.90% | 7,838 | $1.3M | Reduce -0.9% |
| WMT Walmart Inc. | 0.90% | 14,776 | $1.3M | Reduce -6.3% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.85% | 2,212 | $1.2M | Reduce -2.2% |
| SHW The Sherwin-Williams Co. | 0.84% | 3,484 | $1.2M | Reduce -28.0% |
| DFGR Dim Global Real Estate ETF | 0.84% | 46,293 | $1.2M | Add +3.5% |
| MUB iShares National Muni Bond E | 0.84% | 11,501 | $1.2M | Add +37.3% |
| INGR Ingredion Inc. | 0.82% | 8,818 | $1.2M | Reduce -4.0% |
| AFL Aflac Inc. | 0.80% | 10,475 | $1.2M | Add +0.5% |
| GS Goldman Sachs Group Inc. | 0.80% | 2,129 | $1.2M | Add +39.0% |
| APD Air Products & Chemicals Inc. | 0.80% | 3,913 | $1.2M | Reduce -2.0% |
| EOG EOG Resources Inc. | 0.78% | 8,782 | $1.1M | Reduce -4.8% |
| MUNI PIMCO Intermediate Municipal | 0.78% | 21,829 | $1.1M | Add +0.8% |
| IWB iShares Russell 1000 ETF | 0.76% | 3,597 | $1.1M | Reduce -25.5% |
| MDT Medtronic PLC | 0.76% | 12,253 | $1.1M | Add +71.5% |
| AEP American Electric Power | 0.72% | 9,476 | $1.0M | Add +48.1% |
| PSA Public Storage | 0.71% | 3,449 | $1.0M | Add +73.2% |
| ATO Atmos Energy Corp. | 0.70% | 6,532 | $1.0M | New |
| ACN Accenture PLC Class A | 0.69% | 3,204 | $1000K | Add +49.9% |
| LMT Lockheed Martin Corp. | 0.68% | 2,219 | $991K | Add +66.6% |
| TMUS T-Mobile US Inc. | 0.67% | 3,642 | $971K | Add +17.8% |
| SCHB Schwab US Broad Market ETF | 0.64% | 42,681 | $919K | Add +6.9% |
| PPG PPG Industries Inc. | 0.63% | 8,364 | $915K | New |
| GIS General Mills Inc. | 0.62% | 15,105 | $903K | New |
| BDX Becton Dickinson and Co. | 0.60% | 3,798 | $870K | Add +0.5% |
| SUB iShares Short-Term National | 0.60% | 8,237 | $870K | Add +0.4% |
| ITW Illinois Tool Works | 0.60% | 3,489 | $865K | New |
| FRT Federal Realty Invs Trust | 0.59% | 8,782 | $859K | Add +60.5% |
| SYY Sysco Corp. | 0.57% | 11,004 | $826K | Reduce -1.4% |
| RSG Republic Services Inc. | 0.57% | 3,402 | $824K | Add +0.3% |
| ECL Ecolab Inc. | 0.55% | 3,133 | $794K | Add +0.3% |
| HD Home Depot Inc. | 0.54% | 2,139 | $784K | Add +52.8% |
| XLE SS Energy Select Sector | 0.54% | 8,313 | $777K | Add +0.5% |
| VGIT Vanguard Intermediate-Term T | 0.48% | 11,794 | $701K | Add +0.1% |
| CRM Salesforce Inc. | 0.47% | 2,556 | $686K | Add +81.8% |
| ABT Abbott Laboratories | 0.45% | 4,911 | $651K | Add +0.5% |
| LOW Lowe's Cos Inc. | 0.43% | 2,686 | $626K | Reduce -20.2% |
| CMCSA Comcast Corp. Class A | 0.43% | 16,852 | $622K | Reduce -32.4% |
| XLV SS Health Care Select Sector | 0.42% | 4,169 | $609K | Add +0.1% |
| AZO AutoZone Inc. | 0.41% | 157 | $599K | Add +76.4% |
| LLY Eli Lilly & Co. | 0.41% | 722 | $597K | Reduce -7.7% |
| BLK BlackRock Inc. | 0.40% | 609 | $577K | Add +0.5% |
| META Meta Platforms Inc. Class A | 0.38% | 946 | $545K | Add +53.8% |
| INTU Intuit Inc. | 0.37% | 881 | $541K | Reduce -17.4% |
| UNH Unitedhealth Group Inc. | 0.36% | 995 | $521K | Reduce -16.7% |
| JPM JPMorgan Chase & Co. | 0.35% | 2,080 | $510K | Add +0.3% |
| CSCO Cisco Systems Inc. | 0.35% | 8,139 | $502K | Add +0.6% |
| ADP Automatic Data Processing | 0.34% | 1,623 | $496K | Add +0.5% |
| NVDA Nvidia Corp. | 0.34% | 4,556 | $494K | Reduce -26.7% |
| SPGI S&P Global Inc. | 0.34% | 962 | $489K | Reduce -51.6% |
| CHD Church & Dwight Co. Inc. | 0.32% | 4,241 | $467K | Reduce -2.5% |
| TJX TJX Companies Inc. filed as TJX COS INC NEW | 0.32% | 3,826 | $466K | Reduce -9.3% |
| ITOT iShares Core S&P Total U.S. | 0.31% | 3,725 | $454K | Add +0.3% |
| BRO Brown & Brown Inc. | 0.31% | 3,556 | $442K | Add +0.1% |
| KO The Coca-Cola Co. | 0.29% | 5,954 | $426K | Reduce -6.9% |
| LIN Linde PLC | 0.29% | 892 | $415K | Reduce -40.2% |
| ESGU iShares ESG Aware MSCI USA | 0.29% | 3,408 | $415K | Add +0.2% |
| MA Mastercard Inc. Class A | 0.28% | 740 | $406K | No change |
| TSLA Tesla Inc. | 0.27% | 1,528 | $396K | Add +13.7% |
| IAGG iShares Intl Aggregate Bond | 0.27% | 7,916 | $396K | New |
| VTEB Vanguard Tax-Exempt Bond ETF | 0.26% | 7,699 | $382K | Reduce -45.8% |
| CLX Clorox Company | 0.26% | 2,582 | $380K | Add +0.8% |
| NOW ServiceNow Inc. | 0.26% | 474 | $377K | Reduce -7.6% |
| XLY SS Consumer Disc Select Sect | 0.26% | 1,905 | $376K | Add +105.3% |
| MCD McDonald's Corp. | 0.25% | 1,177 | $368K | New |
| DSI iShares ESG MSCI KLD 400 ETF | 0.25% | 3,582 | $367K | Add +0.1% |
| CTAS Cintas Corp. | 0.25% | 1,726 | $355K | Add +0.2% |
| AMGN Amgen Inc. | 0.22% | 1,013 | $316K | Add +0.6% |
| ORCL Oracle Corp. | 0.21% | 2,209 | $309K | Add +0.2% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.21% | 560 | $298K | Reduce -8.7% |
| TSCO Tractor Supply Company | 0.20% | 5,183 | $286K | Reduce -62.7% |
| PEP Pepsico Inc. | 0.20% | 1,885 | $283K | Reduce -26.1% |
| TGT Target Corp. | 0.19% | 2,598 | $271K | Add +0.9% |
| ETN Eaton Corp. PLC | 0.18% | 972 | $264K | Reduce -7.0% |
| EFV iShares MSCI Eafe Value ETF | 0.18% | 4,457 | $263K | Reduce -9.5% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.18% | 1,393 | $260K | Add +0.7% |
| QUAL iShares MSCI USA Quality Fac | 0.17% | 1,462 | $250K | Reduce -6.2% |
| AVUV Avantis US Small Cap Value | 0.17% | 2,863 | $250K | Reduce -81.0% |
| FISV Fiserv Inc. | 0.17% | 1,123 | $248K | No change |
| ADBE Adobe Inc. | 0.17% | 631 | $242K | Reduce -41.0% |
| BND Vanguard Total Bond Market | 0.16% | 3,133 | $230K | Reduce -44.5% |
| AWK American Water Works Co. Inc. | 0.16% | 1,552 | $229K | New |
| WTRG Essential Utilities Inc. | 0.16% | 5,727 | $226K | Reduce -16.2% |
| EUSB Ishr ESG Advn Universal BD-$ | 0.15% | 5,152 | $223K | Reduce -1.6% |
| NFLX Netflix Inc. | 0.15% | 232 | $216K | No change |
| TIP iShares Tips Bond ETF | 0.15% | 1,934 | $215K | Reduce -0.7% |
| LCTU iShares U.S. Carbon Transiti | 0.15% | 3,507 | $213K | Reduce -2.8% |
| VTIP Vanguard Short-Term Tips | 0.15% | 4,236 | $211K | No change |
| STIP iShares 0-5 Year Tips Bond E | 0.15% | 2,043 | $211K | Add +0.1% |
| AVGO Broadcom Inc. | 0.14% | 1,245 | $208K | Add +0.4% |
Portfolio Sells Q4 2024 → Q1 2025
| AMZN Amazon.com Inc. | Reduce -19.1% | 3.07% | −1.16 |
| GOOGL Alphabet Inc. Class A | Reduce -17.1% | 2.33% | −1.00 |
| AVUV Avantis US Small Cap Value | Reduce -81.0% | 0.17% | −0.80 |
| COST Costco Wholesale Corp. | Reduce -21.4% | 2.85% | −0.55 |
| CVX Chevron Corp. | Sold out | 0.00% | −0.45 |
| CB Chubb Ltd. | Sold out | 0.00% | −0.45 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -2.3% | 10.48% | −0.44 |
| AAPL Apple Inc. | Reduce -1.0% | 4.38% | −0.44 |
| NEE Nextera Energy Inc. | Sold out | 0.00% | −0.43 |
| AXP American Express Co. | Sold out | 0.00% | −0.40 |
| FDX FedEx Corp. | Sold out | 0.00% | −0.40 |
| MSFT Microsoft Corp. | Reduce -1.1% | 3.72% | −0.36 |
| DHR Danaher Corp. | Sold out | 0.00% | −0.36 |
| SPGI S&P Global Inc. | Reduce -51.6% | 0.34% | −0.32 |
| CAT Caterpillar Inc. | Sold out | 0.00% | −0.31 |
| TSCO Tractor Supply Company | Reduce -62.7% | 0.20% | −0.30 |
| IWB iShares Russell 1000 ETF | Reduce -25.5% | 0.76% | −0.28 |
| SHW The Sherwin-Williams Co. | Reduce -28.0% | 0.84% | −0.26 |
| MRVL Marvell Technology Inc. | Sold out | 0.00% | −0.25 |
| NVDA Nvidia Corp. | Reduce -26.7% | 0.34% | −0.22 |
| PHM Pultegroup Inc. | Sold out | 0.00% | −0.21 |
| VTEB Vanguard Tax-Exempt Bond ETF | Reduce -45.8% | 0.26% | −0.21 |
| GOOG Alphabet Inc. Class C | Sold out | 0.00% | −0.20 |
| CMCSA Comcast Corp. Class A | Reduce -32.4% | 0.43% | −0.19 |
| IEI iShares 3-7 Year Treasury Bo | Sold out | 0.00% | −0.17 |
| BALL Ball Corp. | Sold out | 0.00% | −0.17 |
| VNQ Vanguard Real Estate ETF | Sold out | 0.00% | −0.16 |
| ADBE Adobe Inc. | Reduce -41.0% | 0.17% | −0.15 |
| DHI D.R. Horton Inc. | Sold out | 0.00% | −0.15 |
| EFG iShares MSCI Eafe Growth ETF | Sold out | 0.00% | −0.13 |
| LIN Linde PLC | Reduce -40.2% | 0.29% | −0.13 |
| LOW Lowe's Cos Inc. | Reduce -20.2% | 0.43% | −0.12 |
| BND Vanguard Total Bond Market | Reduce -44.5% | 0.16% | −0.11 |
| NOW ServiceNow Inc. | Reduce -7.6% | 0.26% | −0.10 |
| SPYM Ste STR SPDR PT S&P 500 ETF | Reduce -4.8% | 1.21% | −0.08 |
| INTU Intuit Inc. | Reduce -17.4% | 0.37% | −0.07 |
| PEP Pepsico Inc. | Reduce -26.1% | 0.20% | −0.06 |
| WMT Walmart Inc. | Reduce -6.3% | 0.90% | −0.06 |
| ETN Eaton Corp. PLC | Reduce -7.0% | 0.18% | −0.05 |
| UNH Unitedhealth Group Inc. | Reduce -16.7% | 0.36% | −0.04 |
| PG The Procter & Gamble Co. | Reduce -8.2% | 1.10% | −0.04 |
| DIA SS SPDR Dow Jones Indus Avg | Reduce -5.8% | 0.93% | −0.04 |
| IVV iShares Core S&P 500 ETF | Reduce -0.9% | 1.50% | −0.03 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -2.2% | 0.85% | −0.03 |
| INGR Ingredion Inc. | Reduce -4.0% | 0.82% | −0.02 |
| TJX TJX Companies Inc. | Reduce -9.3% | 0.32% | −0.02 |
| QUAL iShares MSCI USA Quality Fac | Reduce -6.2% | 0.17% | −0.01 |
| WTRG Essential Utilities Inc. | Reduce -16.2% | 0.16% | −0.01 |
| LCTU iShares U.S. Carbon Transiti | Reduce -2.8% | 0.15% | −0.01 |
| SYY Sysco Corp. | Reduce -1.4% | 0.57% | +0.00 |
Portfolio Buys Q4 2024 → Q1 2025
| ATO Atmos Energy Corp. | New | 0.70% | +0.70 |
| VCIT Vanguard Int-Term Corporate | Add +7.9% | 5.67% | +0.69 |
| PPG PPG Industries Inc. | New | 0.63% | +0.63 |
| V Visa Inc. Class A | Add +54.6% | 1.44% | +0.63 |
| GIS General Mills Inc. | New | 0.62% | +0.62 |
| DFSV Dimensional US Small Cap Val | Add +59.0% | 1.83% | +0.62 |
| ITW Illinois Tool Works | New | 0.60% | +0.60 |
| VCSH Vanguard S/T Corp. Bond ETF | Add +6.2% | 4.53% | +0.46 |
| XOM Exxon Mobil Corp. | Add +63.6% | 0.90% | +0.42 |
| SCHR Schwab Intermediate-Term US | Add +7.8% | 3.25% | +0.40 |
| VEA Vanguard Ftse Developed ETF | Add +3.1% | 3.27% | +0.39 |
| MDT Medtronic PLC | Add +71.5% | 0.76% | +0.38 |
| AEP American Electric Power | Add +48.1% | 0.72% | +0.32 |
| BNDX Vanguard Total Intl Bond ETF | Add +2.8% | 5.65% | +0.32 |
| DFEM Dimensional Emrg MRKT Core | Add +21.2% | 1.50% | +0.32 |
| PSA Public Storage | Add +73.2% | 0.71% | +0.32 |
| IAGG iShares Intl Aggregate Bond | New | 0.27% | +0.27 |
| MCD McDonald's Corp. | New | 0.25% | +0.25 |
| LMT Lockheed Martin Corp. | Add +66.6% | 0.68% | +0.25 |
| TMO Thermo Fisher Scientific Inc. | Add +26.1% | 1.24% | +0.25 |
| MUB iShares National Muni Bond E | Add +37.3% | 0.84% | +0.24 |
| AZO AutoZone Inc. | Add +76.4% | 0.41% | +0.22 |
| GS Goldman Sachs Group Inc. | Add +39.0% | 0.80% | +0.22 |
| TMUS T-Mobile US Inc. | Add +17.8% | 0.67% | +0.22 |
| ACN Accenture PLC Class A | Add +49.9% | 0.69% | +0.19 |
| FRT Federal Realty Invs Trust | Add +60.5% | 0.59% | +0.18 |
| HD Home Depot Inc. | Add +52.8% | 0.54% | +0.18 |
| CRM Salesforce Inc. | Add +81.8% | 0.47% | +0.16 |
| AWK American Water Works Co. Inc. | New | 0.16% | +0.16 |
| META Meta Platforms Inc. Class A | Add +53.8% | 0.38% | +0.14 |
| XLY SS Consumer Disc Select Sect | Add +105.3% | 0.26% | +0.12 |
| RSG Republic Services Inc. | Add +0.3% | 0.57% | +0.11 |
| AFL Aflac Inc. | Add +0.5% | 0.80% | +0.09 |
| ABT Abbott Laboratories | Add +0.5% | 0.45% | +0.08 |
| DFGR Dim Global Real Estate ETF | Add +3.5% | 0.84% | +0.08 |
| BRO Brown & Brown Inc. | Add +0.1% | 0.31% | +0.06 |
| XLE SS Energy Select Sector | Add +0.5% | 0.54% | +0.06 |
| ECL Ecolab Inc. | Add +0.3% | 0.55% | +0.06 |
| AMGN Amgen Inc. | Add +0.6% | 0.22% | +0.04 |
| XLV SS Health Care Select Sector | Add +0.1% | 0.42% | +0.04 |
| CTAS Cintas Corp. | Add +0.2% | 0.25% | +0.04 |
| SCHB Schwab US Broad Market ETF | Add +6.9% | 0.64% | +0.03 |
| MUNI PIMCO Intermediate Municipal | Add +0.8% | 0.78% | +0.03 |
| BDX Becton Dickinson and Co. | Add +0.5% | 0.60% | +0.03 |
| VGIT Vanguard Intermediate-Term T | Add +0.1% | 0.48% | +0.03 |
| CSCO Cisco Systems Inc. | Add +0.6% | 0.35% | +0.03 |
| ADP Automatic Data Processing | Add +0.5% | 0.34% | +0.03 |
| SUB iShares Short-Term National | Add +0.4% | 0.60% | +0.02 |
| JPM JPMorgan Chase & Co. | Add +0.3% | 0.35% | +0.02 |
| STIP iShares 0-5 Year Tips Bond E | Add +0.1% | 0.15% | +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 |