W.H. Cornerstone Investments Inc.
In its 13F for Q3 2025 (holdings as of September 30, 2025, filed November 5, 2025), W.H. Cornerstone Investments Inc. reported 115 stock positions worth $164.0 million. Its top holding was VG Morningstar TS MKT ETF-US (VTI) at 11.8% of the portfolio, followed by Apple (AAPL, 4.4%) and Vanguard S/T Corp. Bond ETF (VCSH, 4.3%). Compared with Q2 2025, it opened 5 new positions, sold out of 5, added to 57 and reduced 47. The biggest buy was a new position in Allegion (ALLE) and the biggest sale an exit from Illinois Tool Works (ITW).
- Most Recent 13F
- Q2 2026
- Location
- KINGSTON, MA
- CIK
- 0001940823
- Portfolio Value
- $164.0M (Q3 2025)
- SEC Filing
- 0002063364-25-000270 ↗ filed Nov 5, 2025
Holdings Value
Holdings 115 stocks · $164.0M
| VTI VG Morningstar TS MKT ETF-US | 11.79% | 58,896 | $19.3M | Add +0.2% |
| AAPL Apple Inc. | 4.38% | 28,211 | $7.2M | Reduce -1.4% |
| VCSH Vanguard S/T Corp. Bond ETF | 4.29% | 88,104 | $7.0M | Add +3.0% |
| MSFT Microsoft Corp. | 4.21% | 13,336 | $6.9M | Reduce -7.1% |
| VCIT Vanguard Int-Term Corporate | 4.14% | 80,655 | $6.8M | Reduce -5.6% |
| VEA Vanguard Ftse Developed ETF | 3.71% | 101,501 | $6.1M | Add +3.5% |
| SCHR Schwab Intermediate-Term US | 3.23% | 210,577 | $5.3M | Add +4.5% |
| AMZN Amazon.com Inc. | 3.13% | 23,391 | $5.1M | Add +3.6% |
| GOOGL Alphabet Inc. Class A | 2.87% | 19,376 | $4.7M | Reduce -8.3% |
| DFGX Dimsnl Intr CF in ETF-Usd Inc. | 2.78% | 84,435 | $4.6M | Add +30.0% |
| BNDX Vanguard Total Intl Bond ETF | 2.72% | 90,176 | $4.5M | Reduce -14.0% |
| COST Costco Wholesale Corp. | 2.28% | 4,036 | $3.7M | Reduce -1.5% |
| DFSV Dimensional US Small Cap Val | 1.96% | 100,844 | $3.2M | Add +2.9% |
| DFEM Dimensional Emrg MRKT Core | 1.92% | 98,027 | $3.1M | Add +3.6% |
| SCHO Schwab Short-Term US Treas | 1.73% | 116,324 | $2.8M | Add +42.6% |
| IVV iShares Core S&P 500 ETF | 1.59% | 3,896 | $2.6M | Add +0.3% |
| PG The Procter & Gamble Co. | 1.37% | 14,668 | $2.3M | Add +1.2% |
| V Visa Inc. Class A | 1.21% | 5,806 | $2.0M | Reduce -7.0% |
| TMO Thermo Fisher Scientific Inc. | 1.18% | 4,005 | $1.9M | Add +3.1% |
| DIA SS SPDR Dow Jones Indus Avg filed as SPDR DOW JONES INDL AVERAGE | 1.05% | 3,722 | $1.7M | Add +0.3% |
| DISV Dimensional International SM | 1.04% | 47,977 | $1.7M | Add +2.7% |
| MDT Medtronic PLC | 0.95% | 16,367 | $1.6M | Reduce -7.2% |
| GS Goldman Sachs Group Inc. | 0.94% | 1,941 | $1.5M | Reduce -18.7% |
| WMT Walmart Inc. | 0.93% | 14,728 | $1.5M | Reduce -0.8% |
| XOM Exxon Mobil Corp. | 0.90% | 13,149 | $1.5M | Reduce -3.2% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.89% | 2,202 | $1.5M | Add +0.2% |
| NVDA Nvidia Corp. | 0.89% | 7,847 | $1.5M | Add +4.3% |
| JNJ Johnson & Johnson | 0.88% | 7,822 | $1.5M | Reduce -0.9% |
| ATO Atmos Energy Corp. | 0.86% | 8,249 | $1.4M | Add +8.2% |
| DFGR Dim Global Real Estate ETF | 0.85% | 50,861 | $1.4M | Add +3.9% |
| AEP American Electric Power | 0.82% | 11,949 | $1.3M | Add +9.2% |
| APD Air Products & Chemicals Inc. | 0.79% | 4,772 | $1.3M | Add +6.9% |
| SPYM Ste STR SPDR PT S&P 500 ETF | 0.79% | 16,608 | $1.3M | Add +0.0% |
| IWB iShares Russell 1000 ETF | 0.79% | 3,542 | $1.3M | Reduce -1.8% |
| SCHB Schwab US Broad Market ETF | 0.75% | 48,094 | $1.2M | Add +0.0% |
| ETN Eaton Corp. PLC | 0.75% | 3,266 | $1.2M | Add +176.8% |
| AFL Aflac Inc. | 0.72% | 10,552 | $1.2M | Add +0.2% |
| EOG EOG Resources Inc. | 0.68% | 9,965 | $1.1M | Reduce -4.1% |
| MUNI PIMCO Intermediate Municipal | 0.68% | 21,282 | $1.1M | Add +5.0% |
| AZO AutoZone Inc. | 0.68% | 259 | $1.1M | Add +60.9% |
| SYY Sysco Corp. | 0.64% | 12,834 | $1.1M | Add +11.6% |
| PSA Public Storage | 0.61% | 3,445 | $995K | Reduce -8.7% |
| PPG PPG Industries Inc. | 0.59% | 9,242 | $971K | Reduce -13.5% |
| INGR Ingredion Inc. | 0.59% | 7,951 | $971K | Reduce -21.4% |
| ALLE Allegion PLC | 0.59% | 5,464 | $969K | New |
| TMUS T-Mobile US Inc. | 0.57% | 3,930 | $941K | Add +0.7% |
| EQIX Equinix Inc. | 0.56% | 1,182 | $926K | Add +15.1% |
| SHW The Sherwin-Williams Co. | 0.55% | 2,603 | $901K | Reduce -25.4% |
| MUB iShares National Muni Bond E | 0.52% | 8,031 | $855K | Reduce -30.3% |
| ECL Ecolab Inc. | 0.51% | 3,074 | $842K | Reduce -2.2% |
| VTEB Vanguard Tax-Exempt Bond ETF | 0.51% | 16,685 | $835K | Add +0.4% |
| XLE SS Energy Select Sector | 0.49% | 8,979 | $802K | Add +1.1% |
| RSG Republic Services Inc. | 0.47% | 3,349 | $769K | Reduce -1.8% |
| VGIT Vanguard Intermediate-Term T | 0.44% | 11,905 | $715K | Add +0.9% |
| META Meta Platforms Inc. Class A | 0.43% | 955 | $701K | Reduce -8.6% |
| BDX Becton Dickinson and Co. | 0.40% | 3,547 | $664K | Reduce -4.2% |
| ABT Abbott Laboratories | 0.40% | 4,877 | $653K | Reduce -1.1% |
| BLK BlackRock Inc. | 0.40% | 560 | $653K | Reduce -14.9% |
| ORCL Oracle Corp. | 0.38% | 2,219 | $624K | Add +0.1% |
| LOW Lowe's Cos Inc. | 0.36% | 2,361 | $593K | Reduce -19.2% |
| TSLA Tesla Inc. | 0.36% | 1,324 | $589K | Reduce -42.3% |
| JPM JPMorgan Chase & Co. | 0.36% | 1,850 | $584K | Add +0.3% |
| XLRE SS Real Estate Select Sector | 0.34% | 13,143 | $554K | Add +90.0% |
| ACN Accenture PLC Class A | 0.34% | 2,229 | $550K | Reduce -28.5% |
| INTU Intuit Inc. | 0.33% | 800 | $547K | Reduce -10.2% |
| CSCO Cisco Systems Inc. | 0.33% | 7,968 | $545K | Reduce -1.0% |
| ITOT iShares Core S&P Total U.S. | 0.33% | 3,675 | $535K | Add +0.3% |
| CMCSA Comcast Corp. Class A | 0.32% | 16,480 | $518K | Reduce -14.3% |
| SUB iShares Short-Term National | 0.31% | 4,788 | $511K | Reduce -42.2% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.31% | 1,793 | $506K | New |
| ADP Automatic Data Processing | 0.29% | 1,635 | $480K | Add +0.3% |
| LLY Eli Lilly & Co. | 0.29% | 624 | $476K | Add +0.2% |
| HD Home Depot Inc. | 0.29% | 1,170 | $474K | Reduce -53.5% |
| CRM Salesforce Inc. | 0.28% | 1,936 | $459K | Reduce -1.4% |
| TJX TJX Companies Inc. filed as TJX COS INC NEW | 0.28% | 3,126 | $452K | Reduce -20.6% |
| DSI iShares ESG MSCI KLD 400 ETF | 0.27% | 3,574 | $450K | Reduce -1.1% |
| AVGO Broadcom Inc. | 0.25% | 1,249 | $412K | Add +0.2% |
| ESGU iShares ESG Aware MSCI USA | 0.25% | 2,818 | $410K | Add +0.3% |
| KO The Coca-Cola Co. | 0.24% | 5,892 | $391K | Reduce -1.7% |
| JMUB JPMorgan Municipal ETF | 0.23% | 7,612 | $384K | Reduce -8.3% |
| NOW ServiceNow Inc. | 0.22% | 400 | $368K | No change |
| MA Mastercard Inc. Class A | 0.22% | 626 | $356K | No change |
| CHD Church & Dwight Co. Inc. | 0.22% | 4,060 | $356K | Reduce -4.5% |
| CTAS Cintas Corp. | 0.22% | 1,730 | $355K | Add +0.2% |
| CLS Celestica Inc. | 0.21% | 1,375 | $339K | No change |
| BRO Brown & Brown Inc. | 0.20% | 3,561 | $334K | No change |
| IAGG iShares Intl Aggregate Bond | 0.20% | 6,318 | $324K | No change |
| LIN Linde PLC | 0.20% | 674 | $320K | Add +0.3% |
| KLAC KLA Corp. | 0.19% | 292 | $315K | Add +0.3% |
| CLX Clorox Company | 0.18% | 2,423 | $299K | Reduce -7.0% |
| VTIP Vanguard Short-Term Tips | 0.18% | 5,879 | $298K | Add +22.4% |
| STIP iShares 0-5 Year Tips Bond E | 0.18% | 2,879 | $298K | Add +22.8% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.18% | 1,400 | $292K | Add +0.5% |
| LMT Lockheed Martin Corp. | 0.18% | 580 | $290K | Reduce -75.5% |
| TIP iShares Tips Bond ETF | 0.17% | 2,569 | $286K | Add +10.6% |
| AMGN Amgen Inc. | 0.17% | 1,007 | $284K | Reduce -1.2% |
| LCTU iShares U.S. Carbon Transiti | 0.17% | 3,830 | $278K | Add +0.3% |
| SPGI S&P Global Inc. | 0.16% | 551 | $268K | Reduce -24.4% |
| DHI D.R. Horton Inc. | 0.16% | 1,555 | $264K | No change |
| SCHW Schwab (charles) Corp. | 0.16% | 2,707 | $258K | Add +0.3% |
Portfolio Sells Q2 2025 → Q3 2025
| ITW Illinois Tool Works | Sold out | 0.00% | −0.62 |
| BNDX Vanguard Total Intl Bond ETF | Reduce -14.0% | 2.72% | −0.57 |
| LMT Lockheed Martin Corp. | Reduce -75.5% | 0.18% | −0.52 |
| VCIT Vanguard Int-Term Corporate | Reduce -5.6% | 4.14% | −0.35 |
| MSFT Microsoft Corp. | Reduce -7.1% | 4.21% | −0.31 |
| HD Home Depot Inc. | Reduce -53.5% | 0.29% | −0.29 |
| COST Costco Wholesale Corp. | Reduce -1.5% | 2.28% | −0.29 |
| INGR Ingredion Inc. | Reduce -21.4% | 0.59% | −0.28 |
| MCD McDonald's Corp. | Sold out | 0.00% | −0.26 |
| ACN Accenture PLC Class A | Reduce -28.5% | 0.34% | −0.26 |
| SUB iShares Short-Term National | Reduce -42.2% | 0.31% | −0.25 |
| MUB iShares National Muni Bond E | Reduce -30.3% | 0.52% | −0.24 |
| SHW The Sherwin-Williams Co. | Reduce -25.4% | 0.55% | −0.21 |
| V Visa Inc. Class A | Reduce -7.0% | 1.21% | −0.20 |
| PPG PPG Industries Inc. | Reduce -13.5% | 0.59% | −0.18 |
| CHE Chemed Corp. | Sold out | 0.00% | −0.15 |
| ADBE Adobe Inc. | Sold out | 0.00% | −0.13 |
| UNH Unitedhealth Group Inc. | Sold out | 0.00% | −0.13 |
| GS Goldman Sachs Group Inc. | Reduce -18.7% | 0.94% | −0.13 |
| CMCSA Comcast Corp. Class A | Reduce -14.3% | 0.32% | −0.12 |
| INTU Intuit Inc. | Reduce -10.2% | 0.33% | −0.11 |
| EOG EOG Resources Inc. | Reduce -4.1% | 0.68% | −0.11 |
| TSLA Tesla Inc. | Reduce -42.3% | 0.36% | −0.10 |
| PSA Public Storage | Reduce -8.7% | 0.61% | −0.10 |
| SPGI S&P Global Inc. | Reduce -24.4% | 0.16% | −0.08 |
| RSG Republic Services Inc. | Reduce -1.8% | 0.47% | −0.06 |
| META Meta Platforms Inc. Class A | Reduce -8.6% | 0.43% | −0.06 |
| CRM Salesforce Inc. | Reduce -1.4% | 0.28% | −0.06 |
| LOW Lowe's Cos Inc. | Reduce -19.2% | 0.36% | −0.05 |
| CHD Church & Dwight Co. Inc. | Reduce -4.5% | 0.22% | −0.04 |
| BLK BlackRock Inc. | Reduce -14.9% | 0.40% | −0.04 |
| TGT Target Corp. | Reduce -12.3% | 0.12% | −0.04 |
| TJX TJX Companies Inc. | Reduce -20.6% | 0.28% | −0.03 |
| KO The Coca-Cola Co. | Reduce -1.7% | 0.24% | −0.03 |
| JMUB JPMorgan Municipal ETF | Reduce -8.3% | 0.23% | −0.03 |
| ABT Abbott Laboratories | Reduce -1.1% | 0.40% | −0.03 |
| MDT Medtronic PLC | Reduce -7.2% | 0.95% | −0.02 |
| XOM Exxon Mobil Corp. | Reduce -3.2% | 0.90% | −0.02 |
| ECL Ecolab Inc. | Reduce -2.2% | 0.51% | −0.02 |
| CSCO Cisco Systems Inc. | Reduce -1.0% | 0.33% | −0.02 |
| BRK.B Berkshire Hathaway Inc. Class B | Reduce -10.2% | 0.15% | −0.02 |
| CLX Clorox Company | Reduce -7.0% | 0.18% | −0.02 |
| AWK American Water Works Co. Inc. | Reduce -5.0% | 0.13% | −0.01 |
| AMGN Amgen Inc. | Reduce -1.2% | 0.17% | −0.01 |
| BDX Becton Dickinson and Co. | Reduce -4.2% | 0.40% | +0.00 |
| WTRG Essential Utilities Inc. | Reduce -1.5% | 0.14% | +0.00 |
| WMT Walmart Inc. | Reduce -0.8% | 0.93% | +0.01 |
| DSI iShares ESG MSCI KLD 400 ETF | Reduce -1.1% | 0.27% | +0.01 |
| IWB iShares Russell 1000 ETF | Reduce -1.8% | 0.79% | +0.01 |
| JNJ Johnson & Johnson | Reduce -0.9% | 0.88% | +0.12 |
Portfolio Buys Q2 2025 → Q3 2025
| ALLE Allegion PLC | New | 0.59% | +0.59 |
| DFGX Dimsnl Intr CF in ETF-Usd Inc. | Add +30.0% | 2.78% | +0.58 |
| ETN Eaton Corp. PLC | Add +176.8% | 0.75% | +0.48 |
| SCHO Schwab Short-Term US Treas | Add +42.6% | 1.73% | +0.47 |
| VTI VG Morningstar TS MKT ETF-US | Add +0.2% | 11.79% | +0.47 |
| IBM Intl Business Machines Corp. | New | 0.31% | +0.31 |
| AZO AutoZone Inc. | Add +60.9% | 0.68% | +0.30 |
| TMO Thermo Fisher Scientific Inc. | Add +3.1% | 1.18% | +0.19 |
| VEA Vanguard Ftse Developed ETF | Add +3.5% | 3.71% | +0.17 |
| XLRE SS Real Estate Select Sector | Add +90.0% | 0.34% | +0.16 |
| WTAI Wisdomtree AI and Innovation | New | 0.14% | +0.14 |
| NVDA Nvidia Corp. | Add +4.3% | 0.89% | +0.14 |
| DFEM Dimensional Emrg MRKT Core | Add +3.6% | 1.92% | +0.14 |
| DFSV Dimensional US Small Cap Val | Add +2.9% | 1.96% | +0.13 |
| VNQ Vanguard Real Estate ETF | New | 0.13% | +0.13 |
| AVRE Avantis Real Estate ETF | New | 0.12% | +0.12 |
| ATO Atmos Energy Corp. | Add +8.2% | 0.86% | +0.11 |
| AEP American Electric Power | Add +9.2% | 0.82% | +0.10 |
| SYY Sysco Corp. | Add +11.6% | 0.64% | +0.09 |
| ORCL Oracle Corp. | Add +0.1% | 0.38% | +0.07 |
| DISV Dimensional International SM | Add +2.7% | 1.04% | +0.07 |
| IVV iShares Core S&P 500 ETF | Add +0.3% | 1.59% | +0.06 |
| EQIX Equinix Inc. | Add +15.1% | 0.56% | +0.05 |
| SPY SS SPDR S&P 500 ETF Trust-US | Add +0.2% | 0.89% | +0.03 |
| AVGO Broadcom Inc. | Add +0.2% | 0.25% | +0.03 |
| SCHR Schwab Intermediate-Term US | Add +4.5% | 3.23% | +0.03 |
| SPYM Ste STR SPDR PT S&P 500 ETF | Add +0.0% | 0.79% | +0.03 |
| VTIP Vanguard Short-Term Tips | Add +22.4% | 0.18% | +0.03 |
| STIP iShares 0-5 Year Tips Bond E | Add +22.8% | 0.18% | +0.03 |
| SCHB Schwab US Broad Market ETF | Add +0.0% | 0.75% | +0.03 |
| KLAC KLA Corp. | Add +0.3% | 0.19% | +0.03 |
| EBAY eBay Inc. | Add +0.3% | 0.15% | +0.02 |
| MUNI PIMCO Intermediate Municipal | Add +5.0% | 0.68% | +0.02 |
| JPM JPMorgan Chase & Co. | Add +0.3% | 0.36% | +0.02 |
| DIA SS SPDR Dow Jones Indus Avg | Add +0.3% | 1.05% | +0.02 |
| AFL Aflac Inc. | Add +0.2% | 0.72% | +0.01 |
| DFGR Dim Global Real Estate ETF | Add +3.9% | 0.85% | +0.01 |
| ITOT iShares Core S&P Total U.S. | Add +0.3% | 0.33% | +0.01 |
| TIP iShares Tips Bond ETF | Add +10.6% | 0.17% | +0.01 |
| XLE SS Energy Select Sector | Add +1.1% | 0.49% | +0.01 |
| XLK SS Technology Select Sector | Add +0.1% | 0.14% | +0.01 |
| ESGU iShares ESG Aware MSCI USA | Add +0.3% | 0.25% | +0.01 |
| XLC SS Comm Select Sector SPDR | Add +0.3% | 0.14% | +0.01 |
| LCTU iShares U.S. Carbon Transiti | Add +0.3% | 0.17% | +0.01 |
| MRVL Marvell Technology Inc. | Add +0.1% | 0.14% | +0.01 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Add +0.5% | 0.18% | +0.01 |
| TSCO Tractor Supply Company | Add +0.4% | 0.13% | +0.01 |
| PEP Pepsico Inc. | Add +1.0% | 0.14% | +0.00 |
| RMD Resmed Inc. | Add +0.3% | 0.14% | +0.00 |
| SCHW Schwab (charles) Corp. | Add +0.3% | 0.16% | +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 |