W.H. Cornerstone Investments Inc.

Name: W.H. Cornerstone Investments Inc. 13F holdings, Q3 2025
Creator: W.H. Cornerstone Investments Inc.
Published: 2025-11-05

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

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%
BRK.B Berkshire Hathaway Inc. Class B	0.15%	503	$253K	Reduce -10.2%
EBAY eBay Inc.	0.15%	2,775	$252K	Add +0.3%
XLK SS Technology Select Sector	0.14%	838	$236K	Add +0.1%
WTAI Wisdomtree AI and Innovation	0.14%	8,234	$235K	New
XLC SS Comm Select Sector SPDR	0.14%	1,983	$235K	Add +0.3%
MRVL Marvell Technology Inc.	0.14%	2,760	$232K	Add +0.1%
WTRG Essential Utilities Inc.	0.14%	5,683	$227K	Reduce -1.5%
EUSB Ishr ESG Advn Universal BD-$	0.14%	5,076	$223K	Add +0.9%
RMD Resmed Inc.	0.14%	812	$222K	Add +0.3%
PEP Pepsico Inc.	0.14%	1,577	$221K	Add +1.0%
TSCO Tractor Supply Company	0.13%	3,888	$221K	Add +0.4%
AWK American Water Works Co. Inc.	0.13%	1,573	$219K	Reduce -5.0%
VNQ Vanguard Real Estate ETF	0.13%	2,304	$211K	New
TGT Target Corp.	0.12%	2,282	$205K	Reduce -12.3%
AVRE Avantis Real Estate ETF	0.12%	4,518	$201K	New

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