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

0$50.0M$100.0M$150.0M$200.0M Q1 2024: $138.8M Q1 2024 Q2 2024: $141.1M Q2 2024 Q3 2024: $148.1M Q3 2024 Q4 2024: $149.8M Q4 2024 Q1 2025: $144.7M Q1 2025 Q2 2025: $157.8M Q2 2025 Q3 2025: $164.0M Q3 2025 Q4 2025: $165.9M $165.9M Q4 2025 Q1 2026: $160.0M Q1 2026 Q2 2026: $176.8M Q2 2026

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%
WTAI Wisdomtree AI and Innovation 0.15% 8,381 $244K Add +1.8%
EBAY eBay Inc. 0.15% 2,784 $242K Add +0.3%
XLK SS Technology Select Sector 0.15% 1,678 $242K Add +0.1%
MRVL Marvell Technology Inc. 0.14% 2,764 $235K Add +0.1%
XLC SS Comm Select Sector SPDR 0.14% 1,989 $234K Add +0.3%
PEP Pepsico Inc. 0.14% 1,579 $227K Add +0.1%
EUSB Ishr ESG Advn Universal BD-$ 0.14% 5,136 $226K Add +1.2%
DHI D.R. Horton Inc. 0.14% 1,556 $224K Add +0.1%
TGT Target Corp. 0.13% 2,259 $221K Reduce -1.0%
WTRG Essential Utilities Inc. 0.13% 5,532 $212K Reduce -2.7%
AWK American Water Works Co. Inc. 0.12% 1,581 $206K Add +0.5%
XLF SS Financial Select Sector 0.12% 3,711 $203K New
JPC Nuveen Prefered & Income Opp 0.05% 10,489 $85K New

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

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 141$176.8MVTI, VEA, AAPL, GOOGL, VCSH
Q1 2026 129$160.0MVTI, VEA, AAPL, VCSH, VCIT
Q4 2025 113$165.9MVTI, AAPL, VEA, VCSH, VCIT
Q3 2025 115$164.0MVTI, AAPL, VCSH, MSFT, VCIT
Q2 2025 115$157.8MVTI, MSFT, VCIT, VCSH, AAPL
Q1 2025 110$144.7MVTI, VCIT, BNDX, VCSH, AAPL
Q4 2024 118$149.8MVTI, BNDX, VCIT, AAPL, AMZN
Q3 2024 121$148.1MVTI, BNDX, VCIT, AAPL, MSFT
Q2 2024 122$141.1MVTI, MSFT, BNDX, AMZN, AAPL
Q1 2024 131$138.8MVTI, MSFT, AMZN, SPYM, BNDX