W.H. Cornerstone Investments Inc.
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed February 10, 2026), W.H. Cornerstone Investments Inc. reported 113 stock positions worth $165.9 million. Its top holding was VG Morningstar TS MKT ETF-US (VTI) at 13.0% of the portfolio, followed by Apple (AAPL, 4.5%) and Vanguard Ftse Developed ETF (VEA, 4.2%). Compared with Q3 2025, it opened 3 new positions, sold out of 5, added to 54 and reduced 53. The biggest buy was VG Morningstar TS MKT ETF-US (VTI, shares +9%) and the biggest sale Vanguard Total Intl Bond ETF (BNDX, shares −19%).
- Most Recent 13F
- Q2 2026
- Location
- KINGSTON, MA
- CIK
- 0001940823
- Portfolio Value
- $165.9M (Q4 2025)
- SEC Filing
- 0002063364-26-000064 ↗ filed Feb 10, 2026
Holdings Value
Holdings 113 stocks · $165.9M
| VTI VG Morningstar TS MKT ETF-US | 12.96% | 64,097 | $21.5M | Add +8.8% |
| AAPL Apple Inc. | 4.54% | 27,704 | $7.5M | Reduce -1.8% |
| VEA Vanguard Ftse Developed ETF | 4.23% | 112,233 | $7.0M | Add +10.6% |
| VCSH Vanguard S/T Corp. Bond ETF | 4.20% | 87,306 | $7.0M | Reduce -0.9% |
| VCIT Vanguard Int-Term Corporate | 3.90% | 77,174 | $6.5M | Reduce -4.3% |
| MSFT Microsoft Corp. | 3.88% | 13,313 | $6.4M | Reduce -0.2% |
| GOOGL Alphabet Inc. Class A | 3.53% | 18,707 | $5.9M | Reduce -3.5% |
| AMZN Amazon.com Inc. | 3.22% | 23,111 | $5.3M | Reduce -1.2% |
| SCHR Schwab Intermediate-Term US | 3.13% | 206,667 | $5.2M | Reduce -1.9% |
| DFGX Dimsnl Intr CF in ETF-Usd Inc. | 2.94% | 92,786 | $4.9M | Add +9.9% |
| DFSV Dimensional US Small Cap Val | 2.21% | 111,518 | $3.7M | Add +10.6% |
| BNDX Vanguard Total Intl Bond ETF | 2.12% | 72,850 | $3.5M | Reduce -19.2% |
| COST Costco Wholesale Corp. | 2.10% | 4,034 | $3.5M | Reduce -0.1% |
| DFEM Dimensional Emrg MRKT Core | 2.07% | 103,628 | $3.4M | Add +5.7% |
| SCHO Schwab Short-Term US Treas | 1.86% | 126,549 | $3.1M | Add +8.8% |
| IVV iShares Core S&P 500 ETF | 1.61% | 3,910 | $2.7M | Add +0.4% |
| TMO Thermo Fisher Scientific Inc. | 1.37% | 3,917 | $2.3M | Reduce -2.2% |
| PG The Procter & Gamble Co. | 1.19% | 13,829 | $2.0M | Reduce -5.7% |
| V Visa Inc. Class A | 1.19% | 5,623 | $2.0M | Reduce -3.1% |
| DISV Dimensional International SM | 1.16% | 50,757 | $1.9M | Add +5.8% |
| DIA SS SPDR Dow Jones Indus Avg filed as SPDR DOW JONES INDL AVERAGE | 1.07% | 3,710 | $1.8M | Reduce -0.3% |
| WMT Walmart Inc. | 1.06% | 15,821 | $1.8M | Add +7.4% |
| NVDA Nvidia Corp. | 1.00% | 8,888 | $1.7M | Add +13.3% |
| SCHB Schwab US Broad Market ETF | 0.97% | 61,637 | $1.6M | Add +28.2% |
| JNJ Johnson & Johnson | 0.96% | 7,685 | $1.6M | Reduce -1.8% |
| GS Goldman Sachs Group Inc. | 0.96% | 1,804 | $1.6M | Reduce -7.1% |
| XOM Exxon Mobil Corp. | 0.92% | 12,621 | $1.5M | Reduce -4.0% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.91% | 2,206 | $1.5M | Add +0.2% |
| MDT Medtronic PLC | 0.89% | 15,435 | $1.5M | Reduce -5.7% |
| DFGR Dim Global Real Estate ETF | 0.89% | 56,060 | $1.5M | Add +10.2% |
| SPYM Ste STR SPDR PT S&P 500 ETF | 0.80% | 16,572 | $1.3M | Reduce -0.2% |
| IWB iShares Russell 1000 ETF | 0.80% | 3,552 | $1.3M | Add +0.3% |
| ATO Atmos Energy Corp. | 0.77% | 7,650 | $1.3M | Reduce -7.3% |
| AEP American Electric Power | 0.77% | 11,054 | $1.3M | Reduce -7.5% |
| ECL Ecolab Inc. | 0.72% | 4,537 | $1.2M | Add +47.6% |
| AFL Aflac Inc. | 0.68% | 10,187 | $1.1M | Reduce -3.5% |
| MUNI PIMCO Intermediate Municipal | 0.61% | 19,326 | $1.0M | Reduce -9.2% |
| ETN Eaton Corp. PLC | 0.59% | 3,051 | $972K | Reduce -6.6% |
| EQIX Equinix Inc. | 0.54% | 1,164 | $892K | Reduce -1.5% |
| AZO AutoZone Inc. | 0.53% | 257 | $872K | Reduce -0.8% |
| EOG EOG Resources Inc. | 0.52% | 8,267 | $868K | Reduce -17.0% |
| XLE SS Energy Select Sector | 0.52% | 19,369 | $866K | Add +7.9% |
| SYY Sysco Corp. | 0.52% | 11,715 | $863K | Reduce -8.7% |
| PPG PPG Industries Inc. | 0.51% | 8,314 | $852K | Reduce -10.0% |
| MUB iShares National Muni Bond E | 0.51% | 7,889 | $845K | Reduce -1.8% |
| VTEB Vanguard Tax-Exempt Bond ETF | 0.51% | 16,767 | $843K | Add +0.5% |
| SHW The Sherwin-Williams Co. | 0.51% | 2,600 | $843K | Reduce -0.1% |
| APD Air Products & Chemicals Inc. | 0.50% | 3,371 | $833K | Reduce -29.4% |
| PSA Public Storage | 0.49% | 3,152 | $818K | Reduce -8.5% |
| ALLE Allegion PLC | 0.48% | 4,990 | $795K | Reduce -8.7% |
| INGR Ingredion Inc. | 0.48% | 7,202 | $794K | Reduce -9.4% |
| VGIT Vanguard Intermediate-Term T | 0.44% | 12,049 | $722K | Add +1.2% |
| RSG Republic Services Inc. | 0.42% | 3,296 | $699K | Reduce -1.6% |
| BDX Becton Dickinson and Co. | 0.41% | 3,490 | $677K | Reduce -1.6% |
| LLY Eli Lilly & Co. | 0.40% | 625 | $672K | Add +0.2% |
| CSCO Cisco Systems Inc. | 0.37% | 8,019 | $618K | Add +0.6% |
| ABT Abbott Laboratories | 0.37% | 4,891 | $613K | Add +0.3% |
| BLK BlackRock Inc. | 0.36% | 562 | $602K | Add +0.4% |
| JPM JPMorgan Chase & Co. | 0.36% | 1,861 | $600K | Add +0.6% |
| META Meta Platforms Inc. Class A | 0.36% | 898 | $593K | Reduce -6.0% |
| ACN Accenture PLC Class A | 0.35% | 2,148 | $576K | Reduce -3.6% |
| SUB iShares Short-Term National | 0.34% | 5,312 | $567K | Add +10.9% |
| TSLA Tesla Inc. | 0.34% | 1,249 | $562K | Reduce -5.7% |
| TMUS T-Mobile US Inc. | 0.32% | 2,616 | $531K | Reduce -33.4% |
| INTU Intuit Inc. | 0.32% | 801 | $531K | Add +0.1% |
| ITOT iShares Core S&P Total U.S. | 0.31% | 3,473 | $516K | Reduce -5.5% |
| LOW Lowe's Cos Inc. | 0.30% | 2,093 | $505K | Reduce -11.3% |
| CRM Salesforce Inc. | 0.30% | 1,855 | $491K | Reduce -4.2% |
| TJX TJX Companies Inc. filed as TJX COS INC NEW | 0.29% | 3,166 | $486K | Add +1.3% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.29% | 1,603 | $475K | Reduce -10.6% |
| CMCSA Comcast Corp. Class A | 0.28% | 15,720 | $470K | Reduce -4.6% |
| DSI iShares ESG MSCI KLD 400 ETF | 0.28% | 3,584 | $462K | Add +0.3% |
| AVGO Broadcom Inc. | 0.26% | 1,260 | $436K | Add +0.9% |
| ORCL Oracle Corp. | 0.26% | 2,224 | $433K | Add +0.2% |
| ESGU iShares ESG Aware MSCI USA | 0.25% | 2,826 | $421K | Add +0.3% |
| ADP Automatic Data Processing | 0.25% | 1,632 | $420K | Reduce -0.2% |
| CLS Celestica Inc. | 0.25% | 1,375 | $406K | No change |
| KO The Coca-Cola Co. | 0.24% | 5,782 | $404K | Reduce -1.9% |
| JMUB JPMorgan Municipal ETF | 0.23% | 7,620 | $385K | Add +0.1% |
| HD Home Depot Inc. | 0.23% | 1,104 | $380K | Reduce -5.6% |
| MA Mastercard Inc. Class A | 0.22% | 627 | $358K | Add +0.2% |
| KLAC KLA Corp. | 0.21% | 293 | $355K | Add +0.3% |
| LIN Linde PLC | 0.21% | 828 | $353K | Add +22.9% |
| CHD Church & Dwight Co. Inc. | 0.20% | 4,030 | $338K | Reduce -0.7% |
| AMGN Amgen Inc. | 0.20% | 1,014 | $332K | Add +0.7% |
| CTAS Cintas Corp. | 0.20% | 1,732 | $326K | Add +0.1% |
| AVUV Avantis US Small Cap Value | 0.19% | 3,112 | $317K | New |
| IAGG iShares Intl Aggregate Bond | 0.19% | 6,318 | $316K | No change |
| XLRE SS Real Estate Select Sector | 0.19% | 7,814 | $315K | Reduce -40.5% |
| NOW ServiceNow Inc. | 0.18% | 2,000 | $306K | No change |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.18% | 1,413 | $299K | Add +0.9% |
| VTIP Vanguard Short-Term Tips | 0.18% | 6,041 | $299K | Add +2.8% |
| STIP iShares 0-5 Year Tips Bond E | 0.18% | 2,917 | $299K | Add +1.3% |
| SPGI S&P Global Inc. | 0.17% | 553 | $289K | Add +0.4% |
| TIP iShares Tips Bond ETF | 0.17% | 2,598 | $286K | Add +1.1% |
| BRO Brown & Brown Inc. | 0.17% | 3,570 | $285K | Add +0.3% |
| LCTU iShares U.S. Carbon Transiti | 0.17% | 3,822 | $283K | Reduce -0.2% |
| LMT Lockheed Martin Corp. | 0.17% | 584 | $283K | Add +0.7% |
| SCHW Schwab (charles) Corp. | 0.16% | 2,714 | $271K | Add +0.3% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.15% | 505 | $254K | Add +0.4% |
Portfolio Sells Q3 2025 → Q4 2025
| BNDX Vanguard Total Intl Bond ETF | Reduce -19.2% | 2.12% | −0.60 |
| MSFT Microsoft Corp. | Reduce -0.2% | 3.88% | −0.33 |
| APD Air Products & Chemicals Inc. | Reduce -29.4% | 0.50% | −0.29 |
| TMUS T-Mobile US Inc. | Reduce -33.4% | 0.32% | −0.25 |
| VCIT Vanguard Int-Term Corporate | Reduce -4.3% | 3.90% | −0.24 |
| CLX Clorox Company | Sold out | 0.00% | −0.18 |
| COST Costco Wholesale Corp. | Reduce -0.1% | 2.10% | −0.18 |
| PG The Procter & Gamble Co. | Reduce -5.7% | 1.19% | −0.18 |
| ETN Eaton Corp. PLC | Reduce -6.6% | 0.59% | −0.16 |
| EOG EOG Resources Inc. | Reduce -17.0% | 0.52% | −0.16 |
| AZO AutoZone Inc. | Reduce -0.8% | 0.53% | −0.15 |
| XLRE SS Real Estate Select Sector | Reduce -40.5% | 0.19% | −0.15 |
| RMD Resmed Inc. | Sold out | 0.00% | −0.14 |
| TSCO Tractor Supply Company | Sold out | 0.00% | −0.13 |
| VNQ Vanguard Real Estate ETF | Sold out | 0.00% | −0.13 |
| SYY Sysco Corp. | Reduce -8.7% | 0.52% | −0.12 |
| AVRE Avantis Real Estate ETF | Sold out | 0.00% | −0.12 |
| PSA Public Storage | Reduce -8.5% | 0.49% | −0.11 |
| INGR Ingredion Inc. | Reduce -9.4% | 0.48% | −0.11 |
| ALLE Allegion PLC | Reduce -8.7% | 0.48% | −0.11 |
| SCHR Schwab Intermediate-Term US | Reduce -1.9% | 3.13% | −0.10 |
| VCSH Vanguard S/T Corp. Bond ETF | Reduce -0.9% | 4.20% | −0.10 |
| ATO Atmos Energy Corp. | Reduce -7.3% | 0.77% | −0.09 |
| PPG PPG Industries Inc. | Reduce -10.0% | 0.51% | −0.08 |
| META Meta Platforms Inc. Class A | Reduce -6.0% | 0.36% | −0.07 |
| MUNI PIMCO Intermediate Municipal | Reduce -9.2% | 0.61% | −0.07 |
| HD Home Depot Inc. | Reduce -5.6% | 0.23% | −0.06 |
| LOW Lowe's Cos Inc. | Reduce -11.3% | 0.30% | −0.06 |
| MDT Medtronic PLC | Reduce -5.7% | 0.89% | −0.06 |
| AEP American Electric Power | Reduce -7.5% | 0.77% | −0.05 |
| RSG Republic Services Inc. | Reduce -1.6% | 0.42% | −0.05 |
| AFL Aflac Inc. | Reduce -3.5% | 0.68% | −0.04 |
| SHW The Sherwin-Williams Co. | Reduce -0.1% | 0.51% | −0.04 |
| ADP Automatic Data Processing | Reduce -0.2% | 0.25% | −0.04 |
| CMCSA Comcast Corp. Class A | Reduce -4.6% | 0.28% | −0.03 |
| EQIX Equinix Inc. | Reduce -1.5% | 0.54% | −0.03 |
| IBM Intl Business Machines Corp. | Reduce -10.6% | 0.29% | −0.02 |
| TSLA Tesla Inc. | Reduce -5.7% | 0.34% | −0.02 |
| V Visa Inc. Class A | Reduce -3.1% | 1.19% | −0.02 |
| ITOT iShares Core S&P Total U.S. | Reduce -5.5% | 0.31% | −0.02 |
| CHD Church & Dwight Co. Inc. | Reduce -0.7% | 0.20% | −0.01 |
| MUB iShares National Muni Bond E | Reduce -1.8% | 0.51% | −0.01 |
| WTRG Essential Utilities Inc. | Reduce -2.7% | 0.13% | −0.01 |
| LCTU iShares U.S. Carbon Transiti | Reduce -0.2% | 0.17% | +0.00 |
| BDX Becton Dickinson and Co. | Reduce -1.6% | 0.41% | +0.00 |
| KO The Coca-Cola Co. | Reduce -1.9% | 0.24% | +0.01 |
| SPYM Ste STR SPDR PT S&P 500 ETF | Reduce -0.2% | 0.80% | +0.01 |
| TGT Target Corp. | Reduce -1.0% | 0.13% | +0.01 |
| XOM Exxon Mobil Corp. | Reduce -4.0% | 0.92% | +0.01 |
| ACN Accenture PLC Class A | Reduce -3.6% | 0.35% | +0.01 |
Portfolio Buys Q3 2025 → Q4 2025
| VTI VG Morningstar TS MKT ETF-US | Add +8.8% | 12.96% | +1.17 |
| VEA Vanguard Ftse Developed ETF | Add +10.6% | 4.23% | +0.52 |
| DFSV Dimensional US Small Cap Val | Add +10.6% | 2.21% | +0.25 |
| SCHB Schwab US Broad Market ETF | Add +28.2% | 0.97% | +0.22 |
| ECL Ecolab Inc. | Add +47.6% | 0.72% | +0.20 |
| AVUV Avantis US Small Cap Value | New | 0.19% | +0.19 |
| DFGX Dimsnl Intr CF in ETF-Usd Inc. | Add +9.9% | 2.94% | +0.17 |
| DFEM Dimensional Emrg MRKT Core | Add +5.7% | 2.07% | +0.15 |
| WMT Walmart Inc. | Add +7.4% | 1.06% | +0.14 |
| SCHO Schwab Short-Term US Treas | Add +8.8% | 1.86% | +0.13 |
| XLF SS Financial Select Sector | New | 0.12% | +0.12 |
| DISV Dimensional International SM | Add +5.8% | 1.16% | +0.12 |
| LLY Eli Lilly & Co. | Add +0.2% | 0.40% | +0.11 |
| NVDA Nvidia Corp. | Add +13.3% | 1.00% | +0.11 |
| JPC Nuveen Prefered & Income Opp | New | 0.05% | +0.05 |
| DFGR Dim Global Real Estate ETF | Add +10.2% | 0.89% | +0.05 |
| CSCO Cisco Systems Inc. | Add +0.6% | 0.37% | +0.04 |
| XLE SS Energy Select Sector | Add +7.9% | 0.52% | +0.03 |
| SUB iShares Short-Term National | Add +10.9% | 0.34% | +0.03 |
| AMGN Amgen Inc. | Add +0.7% | 0.20% | +0.03 |
| IVV iShares Core S&P 500 ETF | Add +0.4% | 1.61% | +0.02 |
| KLAC KLA Corp. | Add +0.3% | 0.21% | +0.02 |
| TJX TJX Companies Inc. | Add +1.3% | 0.29% | +0.02 |
| LIN Linde PLC | Add +22.9% | 0.21% | +0.02 |
| SPY SS SPDR S&P 500 ETF Trust-US | Add +0.2% | 0.91% | +0.01 |
| AVGO Broadcom Inc. | Add +0.9% | 0.26% | +0.01 |
| SPGI S&P Global Inc. | Add +0.4% | 0.17% | +0.01 |
| IWB iShares Russell 1000 ETF | Add +0.3% | 0.80% | +0.01 |
| SCHW Schwab (charles) Corp. | Add +0.3% | 0.16% | +0.01 |
| JPM JPMorgan Chase & Co. | Add +0.6% | 0.36% | +0.01 |
| DSI iShares ESG MSCI KLD 400 ETF | Add +0.3% | 0.28% | +0.00 |
| WTAI Wisdomtree AI and Innovation | Add +1.8% | 0.15% | +0.00 |
| ESGU iShares ESG Aware MSCI USA | Add +0.3% | 0.25% | +0.00 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Add +0.9% | 0.18% | +0.00 |
| PEP Pepsico Inc. | Add +0.1% | 0.14% | +0.00 |
| XLK SS Technology Select Sector | Add +0.1% | 0.15% | +0.00 |
| MRVL Marvell Technology Inc. | Add +0.1% | 0.14% | +0.00 |
| EUSB Ishr ESG Advn Universal BD-$ | Add +1.2% | 0.14% | 0.00 |
| VGIT Vanguard Intermediate-Term T | Add +1.2% | 0.44% | −0.00 |
| VTEB Vanguard Tax-Exempt Bond ETF | Add +0.5% | 0.51% | −0.00 |
| BRK.B Berkshire Hathaway Inc. Class B | Add +0.4% | 0.15% | −0.00 |
| MA Mastercard Inc. Class A | Add +0.2% | 0.22% | −0.00 |
| STIP iShares 0-5 Year Tips Bond E | Add +1.3% | 0.18% | −0.00 |
| VTIP Vanguard Short-Term Tips | Add +2.8% | 0.18% | −0.00 |
| XLC SS Comm Select Sector SPDR | Add +0.3% | 0.14% | −0.00 |
| TIP iShares Tips Bond ETF | Add +1.1% | 0.17% | −0.00 |
| JMUB JPMorgan Municipal ETF | Add +0.1% | 0.23% | −0.00 |
| LMT Lockheed Martin Corp. | Add +0.7% | 0.17% | −0.01 |
| EBAY eBay Inc. | Add +0.3% | 0.15% | −0.01 |
| AWK American Water Works Co. Inc. | Add +0.5% | 0.12% | −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 |