W.H. Cornerstone Investments Inc.
In its 13F for Q2 2025 (holdings as of June 30, 2025, filed August 8, 2025), W.H. Cornerstone Investments Inc. reported 115 stock positions worth $157.8 million. Its top holding was VG Morningstar TS MKT ETF-US (VTI) at 11.3% of the portfolio, followed by Microsoft (MSFT, 4.5%) and Vanguard Int-Term Corporate (VCIT, 4.5%). Compared with Q1 2025, it opened 15 new positions, sold out of 10, added to 71 and reduced 27. The biggest buy was a new position in Dimsnl Intr CF in ETF-Usd (DFGX) and the biggest sale Vanguard Total Intl Bond ETF (BNDX, shares −37%).
- Most Recent 13F
- Q2 2026
- Location
- KINGSTON, MA
- CIK
- 0001940823
- Portfolio Value
- $157.8M (Q2 2025)
- SEC Filing
- 0002063364-25-000189 ↗ filed Aug 8, 2025
Holdings Value
Holdings 115 stocks · $157.8M
| VTI VG Morningstar TS MKT ETF-US | 11.32% | 58,774 | $17.9M | Add +6.5% |
| MSFT Microsoft Corp. | 4.53% | 14,353 | $7.1M | Add +0.0% |
| VCIT Vanguard Int-Term Corporate | 4.49% | 85,455 | $7.1M | Reduce -14.8% |
| VCSH Vanguard S/T Corp. Bond ETF | 4.31% | 85,502 | $6.8M | Add +3.1% |
| AAPL Apple Inc. | 3.72% | 28,596 | $5.9M | Add +0.2% |
| VEA Vanguard Ftse Developed ETF | 3.54% | 98,062 | $5.6M | Add +5.2% |
| BNDX Vanguard Total Intl Bond ETF | 3.29% | 104,882 | $5.2M | Reduce -37.3% |
| SCHR Schwab Intermediate-Term US | 3.20% | 201,528 | $5.0M | Add +6.4% |
| AMZN Amazon.com Inc. | 3.14% | 22,576 | $5.0M | Reduce -3.3% |
| COST Costco Wholesale Corp. | 2.57% | 4,098 | $4.1M | Reduce -6.1% |
| GOOGL Alphabet Inc. Class A | 2.36% | 21,132 | $3.7M | Reduce -3.1% |
| DFGX Dimsnl Intr CF in ETF-Usd Inc. | 2.20% | 64,936 | $3.5M | New |
| DFSV Dimensional US Small Cap Val | 1.83% | 97,982 | $2.9M | Add +3.9% |
| DFEM Dimensional Emrg MRKT Core | 1.78% | 94,613 | $2.8M | Add +15.4% |
| IVV iShares Core S&P 500 ETF | 1.53% | 3,885 | $2.4M | Add +0.3% |
| PG The Procter & Gamble Co. | 1.46% | 14,492 | $2.3M | Add +55.0% |
| V Visa Inc. Class A | 1.41% | 6,244 | $2.2M | Add +4.7% |
| SCHO Schwab Short-Term US Treas | 1.26% | 81,584 | $2.0M | New |
| GS Goldman Sachs Group Inc. | 1.07% | 2,388 | $1.7M | Add +12.2% |
| DIA SS SPDR Dow Jones Indus Avg filed as SPDR DOW JONES INDL AVERAGE | 1.04% | 3,709 | $1.6M | Add +16.0% |
| TMO Thermo Fisher Scientific Inc. | 1.00% | 3,886 | $1.6M | Add +7.4% |
| DISV Dimensional International SM | 0.97% | 46,736 | $1.5M | Reduce -2.4% |
| MDT Medtronic PLC | 0.97% | 17,643 | $1.5M | Add +44.0% |
| XOM Exxon Mobil Corp. | 0.93% | 13,585 | $1.5M | Add +23.7% |
| WMT Walmart Inc. | 0.92% | 14,849 | $1.5M | Add +0.5% |
| INGR Ingredion Inc. | 0.87% | 10,111 | $1.4M | Add +14.7% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.86% | 2,197 | $1.4M | Reduce -0.7% |
| DFGR Dim Global Real Estate ETF | 0.83% | 48,969 | $1.3M | Add +5.8% |
| APD Air Products & Chemicals Inc. | 0.80% | 4,464 | $1.3M | Add +14.1% |
| EOG EOG Resources Inc. | 0.79% | 10,391 | $1.2M | Add +18.3% |
| IWB iShares Russell 1000 ETF | 0.78% | 3,606 | $1.2M | Add +0.3% |
| PPG PPG Industries Inc. | 0.77% | 10,685 | $1.2M | Add +27.8% |
| SPYM Ste STR SPDR PT S&P 500 ETF | 0.76% | 16,603 | $1.2M | Reduce -37.6% |
| JNJ Johnson & Johnson | 0.76% | 7,896 | $1.2M | Add +0.7% |
| MUB iShares National Muni Bond E | 0.76% | 11,519 | $1.2M | Add +0.2% |
| SHW The Sherwin-Williams Co. | 0.76% | 3,488 | $1.2M | Add +0.1% |
| NVDA Nvidia Corp. | 0.75% | 7,523 | $1.2M | Add +65.1% |
| ATO Atmos Energy Corp. | 0.74% | 7,625 | $1.2M | Add +16.7% |
| SCHB Schwab US Broad Market ETF | 0.73% | 48,082 | $1.1M | Add +12.7% |
| AEP American Electric Power | 0.72% | 10,943 | $1.1M | Add +15.5% |
| AFL Aflac Inc. | 0.70% | 10,534 | $1.1M | Add +0.6% |
| PSA Public Storage | 0.70% | 3,775 | $1.1M | Add +9.4% |
| LMT Lockheed Martin Corp. | 0.69% | 2,363 | $1.1M | Add +6.5% |
| MUNI PIMCO Intermediate Municipal | 0.66% | 20,276 | $1.0M | Reduce -7.1% |
| ITW Illinois Tool Works | 0.62% | 3,956 | $978K | Add +13.4% |
| ACN Accenture PLC Class A | 0.59% | 3,117 | $932K | Reduce -2.7% |
| TMUS T-Mobile US Inc. | 0.59% | 3,902 | $930K | Add +7.1% |
| HD Home Depot Inc. | 0.58% | 2,514 | $922K | Add +17.5% |
| SUB iShares Short-Term National | 0.56% | 8,284 | $881K | Add +0.6% |
| SYY Sysco Corp. | 0.55% | 11,502 | $871K | Add +4.5% |
| ECL Ecolab Inc. | 0.54% | 3,142 | $846K | Add +0.3% |
| RSG Republic Services Inc. | 0.53% | 3,410 | $841K | Add +0.2% |
| EQIX Equinix Inc. | 0.52% | 1,027 | $817K | New |
| VTEB Vanguard Tax-Exempt Bond ETF | 0.52% | 16,624 | $815K | Add +115.9% |
| META Meta Platforms Inc. Class A | 0.49% | 1,045 | $771K | Add +10.5% |
| XLE SS Energy Select Sector | 0.48% | 8,880 | $753K | Add +6.8% |
| TSLA Tesla Inc. | 0.46% | 2,294 | $729K | Add +50.1% |
| VGIT Vanguard Intermediate-Term T | 0.45% | 11,796 | $706K | Add +0.0% |
| INTU Intuit Inc. | 0.44% | 891 | $701K | Add +1.1% |
| BLK BlackRock Inc. | 0.44% | 658 | $690K | Add +8.1% |
| CMCSA Comcast Corp. Class A | 0.43% | 19,228 | $686K | Add +14.1% |
| ABT Abbott Laboratories | 0.43% | 4,933 | $671K | Add +0.5% |
| LOW Lowe's Cos Inc. | 0.41% | 2,921 | $648K | Add +8.8% |
| BDX Becton Dickinson and Co. | 0.40% | 3,703 | $638K | Reduce -2.5% |
| AZO AutoZone Inc. | 0.38% | 161 | $598K | Add +2.5% |
| CSCO Cisco Systems Inc. | 0.35% | 8,045 | $558K | Reduce -1.1% |
| CRM Salesforce Inc. | 0.34% | 1,963 | $535K | Reduce -23.2% |
| JPM JPMorgan Chase & Co. | 0.34% | 1,845 | $535K | Reduce -11.3% |
| ADP Automatic Data Processing | 0.32% | 1,631 | $503K | Add +0.5% |
| ITOT iShares Core S&P Total U.S. | 0.31% | 3,665 | $495K | Reduce -1.6% |
| TJX TJX Companies Inc. filed as TJX COS INC NEW | 0.31% | 3,937 | $486K | Add +2.9% |
| LLY Eli Lilly & Co. | 0.31% | 623 | $485K | Reduce -13.7% |
| ORCL Oracle Corp. | 0.31% | 2,216 | $485K | Add +0.3% |
| KO The Coca-Cola Co. | 0.27% | 5,994 | $424K | Add +0.7% |
| ETN Eaton Corp. PLC | 0.27% | 1,180 | $421K | Add +21.4% |
| DSI iShares ESG MSCI KLD 400 ETF | 0.27% | 3,612 | $420K | Add +0.8% |
| MCD McDonald's Corp. | 0.26% | 1,427 | $417K | Add +21.2% |
| JMUB JPMorgan Municipal ETF | 0.26% | 8,300 | $412K | New |
| NOW ServiceNow Inc. | 0.26% | 400 | $411K | Reduce -15.6% |
| CHD Church & Dwight Co. Inc. | 0.26% | 4,252 | $409K | Add +0.3% |
| BRO Brown & Brown Inc. | 0.25% | 3,561 | $395K | Add +0.1% |
| CTAS Cintas Corp. | 0.24% | 1,727 | $385K | Add +0.1% |
| SPGI S&P Global Inc. | 0.24% | 729 | $384K | Reduce -24.2% |
| ESGU iShares ESG Aware MSCI USA | 0.24% | 2,810 | $380K | Reduce -17.6% |
| MA Mastercard Inc. Class A | 0.22% | 626 | $352K | Reduce -15.4% |
| AVGO Broadcom Inc. | 0.22% | 1,247 | $344K | Add +0.2% |
| IAGG iShares Intl Aggregate Bond | 0.20% | 6,318 | $323K | Reduce -20.2% |
| LIN Linde PLC | 0.20% | 672 | $315K | Reduce -24.7% |
| CLX Clorox Company | 0.20% | 2,605 | $313K | Add +0.9% |
| XLRE SS Real Estate Select Sector | 0.18% | 6,919 | $287K | New |
| AMGN Amgen Inc. | 0.18% | 1,019 | $285K | Add +0.6% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.17% | 560 | $272K | No change |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.17% | 1,393 | $272K | No change |
| KLAC KLA Corp. | 0.17% | 291 | $261K | New |
| LCTU iShares U.S. Carbon Transiti | 0.16% | 3,820 | $257K | Add +8.9% |
| TGT Target Corp. | 0.16% | 2,602 | $257K | Add +0.1% |
| TIP iShares Tips Bond ETF | 0.16% | 2,322 | $255K | Add +20.1% |
| SCHW Schwab (charles) Corp. | 0.16% | 2,699 | $246K | New |
| VTIP Vanguard Short-Term Tips | 0.15% | 4,801 | $241K | Add +13.3% |
| STIP iShares 0-5 Year Tips Bond E | 0.15% | 2,345 | $241K | Add +14.8% |
Portfolio Sells Q1 2025 → Q2 2025
| BNDX Vanguard Total Intl Bond ETF | Reduce -37.3% | 3.29% | −2.35 |
| VCIT Vanguard Int-Term Corporate | Reduce -14.8% | 4.49% | −1.18 |
| GIS General Mills Inc. | Sold out | 0.00% | −0.62 |
| FRT Federal Realty Invs Trust | Sold out | 0.00% | −0.59 |
| SPYM Ste STR SPDR PT S&P 500 ETF | Reduce -37.6% | 0.76% | −0.44 |
| XLV SS Health Care Select Sector | Sold out | 0.00% | −0.42 |
| COST Costco Wholesale Corp. | Reduce -6.1% | 2.57% | −0.28 |
| XLY SS Consumer Disc Select Sect | Sold out | 0.00% | −0.26 |
| UNH Unitedhealth Group Inc. | Reduce -33.3% | 0.13% | −0.23 |
| BDX Becton Dickinson and Co. | Reduce -2.5% | 0.40% | −0.20 |
| EFV iShares MSCI Eafe Value ETF | Sold out | 0.00% | −0.18 |
| QUAL iShares MSCI USA Quality Fac | Sold out | 0.00% | −0.17 |
| AVUV Avantis US Small Cap Value | Sold out | 0.00% | −0.17 |
| FISV Fiserv Inc. | Sold out | 0.00% | −0.17 |
| BND Vanguard Total Bond Market | Sold out | 0.00% | −0.16 |
| NFLX Netflix Inc. | Sold out | 0.00% | −0.15 |
| CRM Salesforce Inc. | Reduce -23.2% | 0.34% | −0.13 |
| MUNI PIMCO Intermediate Municipal | Reduce -7.1% | 0.66% | −0.12 |
| LLY Eli Lilly & Co. | Reduce -13.7% | 0.31% | −0.10 |
| ACN Accenture PLC Class A | Reduce -2.7% | 0.59% | −0.10 |
| SPGI S&P Global Inc. | Reduce -24.2% | 0.24% | −0.09 |
| LIN Linde PLC | Reduce -24.7% | 0.20% | −0.09 |
| IAGG iShares Intl Aggregate Bond | Reduce -20.2% | 0.20% | −0.07 |
| TSCO Tractor Supply Company | Reduce -25.3% | 0.13% | −0.07 |
| PEP Pepsico Inc. | Reduce -17.1% | 0.13% | −0.06 |
| MA Mastercard Inc. Class A | Reduce -15.4% | 0.22% | −0.06 |
| ESGU iShares ESG Aware MSCI USA | Reduce -17.6% | 0.24% | −0.05 |
| ADBE Adobe Inc. | Reduce -14.7% | 0.13% | −0.04 |
| EUSB Ishr ESG Advn Universal BD-$ | Reduce -2.4% | 0.14% | −0.02 |
| JPM JPMorgan Chase & Co. | Reduce -11.3% | 0.34% | −0.01 |
| ITOT iShares Core S&P Total U.S. | Reduce -1.6% | 0.31% | −0.00 |
| NOW ServiceNow Inc. | Reduce -15.6% | 0.26% | −0.00 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -0.7% | 0.86% | +0.01 |
| CSCO Cisco Systems Inc. | Reduce -1.1% | 0.35% | +0.01 |
| DISV Dimensional International SM | Reduce -2.4% | 0.97% | +0.01 |
| GOOGL Alphabet Inc. Class A | Reduce -3.1% | 2.36% | +0.03 |
| AMZN Amazon.com Inc. | Reduce -3.3% | 3.14% | +0.07 |
Portfolio Buys Q1 2025 → Q2 2025
| DFGX Dimsnl Intr CF in ETF-Usd Inc. | New | 2.20% | +2.20 |
| SCHO Schwab Short-Term US Treas | New | 1.26% | +1.26 |
| VTI VG Morningstar TS MKT ETF-US | Add +6.5% | 11.32% | +0.84 |
| MSFT Microsoft Corp. | Add +0.0% | 4.53% | +0.80 |
| EQIX Equinix Inc. | New | 0.52% | +0.52 |
| NVDA Nvidia Corp. | Add +65.1% | 0.75% | +0.41 |
| PG The Procter & Gamble Co. | Add +55.0% | 1.46% | +0.36 |
| DFEM Dimensional Emrg MRKT Core | Add +15.4% | 1.78% | +0.28 |
| VEA Vanguard Ftse Developed ETF | Add +5.2% | 3.54% | +0.27 |
| GS Goldman Sachs Group Inc. | Add +12.2% | 1.07% | +0.27 |
| JMUB JPMorgan Municipal ETF | New | 0.26% | +0.26 |
| VTEB Vanguard Tax-Exempt Bond ETF | Add +115.9% | 0.52% | +0.25 |
| MDT Medtronic PLC | Add +44.0% | 0.97% | +0.21 |
| TSLA Tesla Inc. | Add +50.1% | 0.46% | +0.19 |
| XLRE SS Real Estate Select Sector | New | 0.18% | +0.18 |
| KLAC KLA Corp. | New | 0.17% | +0.17 |
| SCHW Schwab (charles) Corp. | New | 0.16% | +0.16 |
| CHE Chemed Corp. | New | 0.15% | +0.15 |
| PPG PPG Industries Inc. | Add +27.8% | 0.77% | +0.14 |
| CLS Celestica Inc. | New | 0.14% | +0.14 |
| XLC SS Comm Select Sector SPDR | New | 0.14% | +0.14 |
| MRVL Marvell Technology Inc. | New | 0.14% | +0.14 |
| XLK SS Technology Select Sector | New | 0.13% | +0.13 |
| RMD Resmed Inc. | New | 0.13% | +0.13 |
| EBAY eBay Inc. | New | 0.13% | +0.13 |
| DHI D.R. Horton Inc. | New | 0.13% | +0.13 |
| META Meta Platforms Inc. Class A | Add +10.5% | 0.49% | +0.11 |
| DIA SS SPDR Dow Jones Indus Avg | Add +16.0% | 1.04% | +0.11 |
| ORCL Oracle Corp. | Add +0.3% | 0.31% | +0.09 |
| SCHB Schwab US Broad Market ETF | Add +12.7% | 0.73% | +0.09 |
| ETN Eaton Corp. PLC | Add +21.4% | 0.27% | +0.08 |
| AVGO Broadcom Inc. | Add +0.2% | 0.22% | +0.07 |
| INTU Intuit Inc. | Add +1.1% | 0.44% | +0.07 |
| ATO Atmos Energy Corp. | Add +16.7% | 0.74% | +0.05 |
| INGR Ingredion Inc. | Add +14.7% | 0.87% | +0.05 |
| HD Home Depot Inc. | Add +17.5% | 0.58% | +0.04 |
| BLK BlackRock Inc. | Add +8.1% | 0.44% | +0.04 |
| XOM Exxon Mobil Corp. | Add +23.7% | 0.93% | +0.03 |
| IVV iShares Core S&P 500 ETF | Add +0.3% | 1.53% | +0.03 |
| WMT Walmart Inc. | Add +0.5% | 0.92% | +0.02 |
| ITW Illinois Tool Works | Add +13.4% | 0.62% | +0.02 |
| LCTU iShares U.S. Carbon Transiti | Add +8.9% | 0.16% | +0.02 |
| IWB iShares Russell 1000 ETF | Add +0.3% | 0.78% | +0.01 |
| TIP iShares Tips Bond ETF | Add +20.1% | 0.16% | +0.01 |
| DSI iShares ESG MSCI KLD 400 ETF | Add +0.8% | 0.27% | +0.01 |
| MCD McDonald's Corp. | Add +21.2% | 0.26% | +0.01 |
| EOG EOG Resources Inc. | Add +18.3% | 0.79% | +0.01 |
| LMT Lockheed Martin Corp. | Add +6.5% | 0.69% | +0.01 |
| STIP iShares 0-5 Year Tips Bond E | Add +14.8% | 0.15% | +0.01 |
| VTIP Vanguard Short-Term Tips | Add +13.3% | 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 |