W.H. Cornerstone Investments Inc.

Name: W.H. Cornerstone Investments Inc. 13F holdings, Q2 2025
Creator: W.H. Cornerstone Investments Inc.
Published: 2025-08-08

Q2 2026Q1 2026Q4 2025Q3 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024

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%
CHE Chemed Corp.	0.15%	493	$240K	New
AWK American Water Works Co. Inc.	0.15%	1,656	$230K	Add +6.7%
EUSB Ishr ESG Advn Universal BD-$	0.14%	5,031	$219K	Reduce -2.4%
CLS Celestica Inc.	0.14%	1,375	$215K	New
XLC SS Comm Select Sector SPDR	0.14%	1,976	$214K	New
WTRG Essential Utilities Inc.	0.14%	5,767	$214K	Add +0.7%
MRVL Marvell Technology Inc.	0.14%	2,758	$214K	New
XLK SS Technology Select Sector	0.13%	837	$212K	New
RMD Resmed Inc.	0.13%	810	$209K	New
ADBE Adobe Inc.	0.13%	538	$208K	Reduce -14.7%
UNH Unitedhealth Group Inc.	0.13%	664	$207K	Reduce -33.3%
PEP Pepsico Inc.	0.13%	1,562	$206K	Reduce -17.1%
EBAY eBay Inc.	0.13%	2,767	$206K	New
TSCO Tractor Supply Company	0.13%	3,873	$204K	Reduce -25.3%
DHI D.R. Horton Inc.	0.13%	1,555	$200K	New

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