White Lighthouse Investment Management Inc.

In its 13F for Q3 2024 (holdings as of September 30, 2024, filed October 30, 2024), White Lighthouse Investment Management Inc. reported 131 stock positions worth $557.4 million. Its top holding was Vanguard Mrngstar GR ETF-Sui (VUG) at 16.2% of the portfolio, followed by Vanguard High DVD Yield ETF (VYM, 9.9%) and Vanguard Total Intl Stock (VXUS, 6.2%). Compared with Q2 2024, it opened 12 new positions, sold out of 2, added to 53 and reduced 42. The biggest buy was Vanguard High DVD Yield ETF (VYM, shares +3%) and the biggest sale Vanguard Mrngstar GR ETF-Sui (VUG, shares −0%).

Most Recent 13F
Q2 2026
Location
BEDFORD, MA
CIK
0001727593
Portfolio Value
$557.4M (Q3 2024)
SEC Filing
0001085146-24-005238 ↗ filed Oct 30, 2024

Holdings Value

0$200.0M$400.0M$600.0M$800.0M$1.0B Q1 2024: $492.3M Q1 2024 Q2 2024: $518.3M Q2 2024 Q3 2024: $557.4M $557.4M Q3 2024 Q4 2024: $569.2M Q4 2024 Q1 2025: $560.0M Q1 2025 Q2 2025: $614.8M Q2 2025 Q3 2025: $656.0M Q3 2025 Q4 2025: $716.4M Q4 2025 Q1 2026: $720.8M Q1 2026 Q2 2026: $802.3M Q2 2026

Holdings 131 stocks · $557.4M
VUG Vanguard Mrngstar GR ETF-Sui 16.20% 235,332 $90.3M Reduce -0.1%
VYM Vanguard High DVD Yield ETF 9.89% 430,002 $55.1M Add +3.1%
VXUS Vanguard Total Intl Stock 6.22% 535,419 $34.6M Add +4.1%
VCSH Vanguard S/T Corp. Bond ETF 4.51% 316,904 $25.2M Add +2.0%
SHV iShares 0-1 Year Treasury Bo 4.09% 205,823 $22.8M Add +2.4%
VGT Vanguard Info Tech ETF 3.96% 37,629 $22.0M Reduce -5.3%
BND Vanguard Total Bond Market 3.43% 254,887 $19.1M Add +12.8%
VTV Vanguard Mrngstr Val ETF-Aui 3.15% 100,979 $17.6M Add +2.5%
VCIT Vanguard Int-Term Corporate 3.02% 201,001 $16.8M Add +7.1%
IXUS iShares Core Intl Stock ETF 2.49% 191,123 $13.9M Add +0.9%
IAU iShares Gold Trust 2.26% 253,613 $12.6M Add +0.8%
VIG Vanguard Dividend Apprec ETF 2.00% 56,217 $11.1M Reduce -0.2%
IWF iShares Russell 1000 Growth 1.77% 26,259 $9.9M Reduce -4.8%
DVY iShares Select Dividend ETF 1.67% 68,883 $9.3M Add +2.5%
BSV Vanguard Short-Term Bond ETF 1.62% 114,817 $9.0M Reduce -1.2%
VOO Vanguard S&P 500 ETF 1.58% 16,725 $8.8M Add +6.7%
VHT Vanguard Health Care ETF 1.41% 27,849 $7.9M Reduce -0.6%
IGM iShares Expanded Tech Sector 1.36% 78,894 $7.6M Add +1.2%
AAPL Apple Inc. 1.27% 30,481 $7.1M Reduce -10.5%
VCLT Vanguard Long-Term Corp. Bond 1.21% 83,121 $6.8M Reduce -2.2%
VBR Vngrd Mrngst SL-CP Val ETF-U 1.16% 32,275 $6.5M Reduce -0.6%
VB Vanguard Most SM-Cap ETF-Usd 1.06% 24,882 $5.9M Reduce -1.2%
VNQ Vanguard Real Estate ETF 0.95% 54,522 $5.3M Add +2.4%
VTIP Vanguard Short-Term Tips 0.92% 103,936 $5.1M Add +3.7%
QQQ Invesco QQQ Trust Series 1 0.89% 10,149 $5.0M Reduce -0.4%
VSGX Vanguard ESG Intl Stock ETF 0.87% 78,770 $4.8M Add +3.0%
VO Vngrd Mrngstr MD-Cap ETF-Usd 0.78% 16,397 $4.3M Add +2.6%
IUSB Ishr CR Unvrse Usd BD ETF-Ui 0.77% 90,521 $4.3M Add +4.2%
ESGV Vanguard ESG US Stock ETF 0.74% 40,640 $4.1M Add +1.8%
VGSH Vanguard Short-Term Treasury 0.71% 66,904 $3.9M Reduce -1.0%
BIV Vanguard Intermediate-Term B 0.69% 48,805 $3.8M Add +6.1%
SCHD Schwab US DVD Equity ETF 0.65% 42,706 $3.6M Add +1.2%
AMZN Amazon.com Inc. 0.58% 17,330 $3.2M Add +0.6%
VOE Vngrd Mrngstr MD-Cap Val ETF 0.57% 18,891 $3.2M Reduce -2.9%
VTI VG Morningstar TS MKT ETF-US 0.55% 10,789 $3.1M Add +2.9%
VOT Vngrd Mrngstr MC GRW ETF-Usd 0.52% 11,888 $2.9M Add +1.3%
MUB iShares National Muni Bond E 0.51% 25,980 $2.8M Add +27.2%
VWO Vanguard Ftse Emerging Marke 0.48% 56,367 $2.7M Add +4.4%
MSFT Microsoft Corp. 0.48% 6,267 $2.7M Reduce -1.0%
SPY SS SPDR S&P 500 ETF Trust-US 0.41% 3,983 $2.3M Reduce -2.3%
SCHP Schwab U.S. Tips ETF 0.41% 42,225 $2.3M Add +4.7%
ESGU iShares ESG Aware MSCI USA 0.38% 16,799 $2.1M Add +0.4%
BLV Vanguard Long-Term Bond ETF 0.36% 26,591 $2.0M Add +19.0%
IXJ iShares Global Healthcare Et 0.36% 20,255 $2.0M Reduce -2.5%
IJT iShares S&P Small-Cap 600 GR 0.34% 13,589 $1.9M No change
IBB iShares Biotechnology ETF 0.33% 12,519 $1.8M Reduce -0.4%
VTEB Vanguard Tax-Exempt Bond ETF 0.32% 35,301 $1.8M Add +8.7%
GLD SPDR Gold Shares 0.31% 7,129 $1.7M No change
DSI iShares ESG MSCI KLD 400 ETF 0.30% 15,123 $1.6M Reduce -1.8%
ESGD iShares Trust iShares ESG Aw 0.29% 19,442 $1.6M Add +3.0%
IUSG iShares Core S&P U.S. Growth 0.29% 12,400 $1.6M Reduce -4.8%
WMT Walmart Inc. 0.29% 20,221 $1.6M Add +0.3%
VCR Vanguard Consumer Discre ETF 0.29% 4,722 $1.6M Add +1.0%
GOOGL Alphabet Inc. Class A 0.28% 9,480 $1.6M Add +0.8%
BRK.B Berkshire Hathaway Inc. Class B 0.28% 3,410 $1.6M No change
UNH Unitedhealth Group Inc. 0.28% 2,630 $1.5M No change
VEA Vanguard Ftse Developed ETF 0.27% 28,595 $1.5M Add +0.5%
VOX Vanguard Communication Servi 0.27% 10,243 $1.5M Reduce -2.7%
PM Philip Morris International 0.26% 11,999 $1.5M Add +71.4%
ICF iShares Select U.S. REIT ETF 0.26% 21,624 $1.4M Reduce -0.3%
VEU Vanguard Ftse All-World Ex-U 0.24% 21,574 $1.4M Add +1.4%
JNJ Johnson & Johnson 0.24% 8,329 $1.3M No change
SUB iShares Short-Term National 0.24% 12,500 $1.3M Add +31.6%
IVV iShares Core S&P 500 ETF 0.22% 2,132 $1.2M Reduce -3.2%
AMGN Amgen Inc. 0.19% 3,332 $1.1M No change
SGOL Abrdn Physical Gold Shares 0.18% 40,526 $1.0M Reduce -0.6%
CAT Caterpillar Inc. 0.18% 2,571 $1.0M No change
IGSB iShares 1-5Y Inv Grade Corp. 0.17% 18,020 $949K No change
SO The Southern Co. 0.17% 10,229 $922K Reduce -27.5%
VGK Vanguard Ftse Europe ETF 0.16% 12,795 $910K Add +1.8%
MGK Vngrd Mrgstr MG CP GR ETF-Ui 0.16% 2,800 $901K Reduce -12.7%
BTI British American Tob-SP ADR 0.16% 23,852 $873K New
IJR iShares Core S&P Small-Cap E 0.14% 6,787 $794K Add +1.1%
VWOB Vanguard Emerg MKTS Gov BND 0.14% 11,842 $786K Add +8.8%
VPU Vanguard Utilities ETF 0.14% 4,331 $754K Add +49.4%
ESGE iShares Inc. iShares ESG Awar 0.13% 20,380 $742K Reduce -7.9%
PG The Procter & Gamble Co. 0.13% 4,051 $702K Add +0.5%
JNK SS SPDR BB High Yield Bond 0.12% 6,611 $646K Add +131.2%
EMB iShares JP Morgan Usd Emergi 0.11% 6,771 $634K Reduce -2.5%
QUAL iShares MSCI USA Quality Fac 0.11% 3,378 $606K Add +0.5%
VV Vngrd Mrgstr LRG-Cap ETF-Usd 0.10% 2,058 $542K Add +4.7%
EW Edwards Lifesciences Corp. 0.10% 8,142 $537K No change
XLK SS Technology Select Sector 0.09% 2,319 $524K Add +10.5%
NUSC Nuveen ESG Small-Cap ETF 0.09% 12,082 $518K Reduce -6.2%
GDX Vaneck Gold Miners ETF 0.09% 12,946 $516K Reduce -2.3%
MRK Merck & Co. Inc. 0.09% 4,482 $509K No change
MTUM iShares MSCI USA Momentum Fa 0.09% 2,396 $486K Reduce -24.0%
MO Altria Group Inc. 0.09% 9,468 $483K New
VPL Vanguard Ftse Pacific ETF 0.08% 5,869 $460K No change
VFH Vanguard Financials ETF 0.08% 4,120 $453K Reduce -0.9%
NLY Annaly Capital Management Inc. 0.08% 22,431 $450K Add +115.7%
GOOG Alphabet Inc. Class C 0.08% 2,566 $429K No change
AFRM Affirm Holdings Inc. 0.08% 10,291 $420K Reduce -25.3%
NULG Nuveen ESG LRG-Cap GRW ETF 0.07% 4,869 $402K Reduce -27.0%
PEP Pepsico Inc. 0.07% 2,335 $397K No change
AVGO Broadcom Inc. 0.07% 2,300 $397K Reduce -1.7%
IWP iShares Russell Mid-Cap Grow 0.07% 3,365 $395K Reduce -5.6%
SOXX iShares Semiconductor ETF 0.07% 1,687 $389K Add +0.1%
ICLN iShares Global Clean Energy 0.07% 26,002 $382K Reduce -7.9%
SCHG Schwab US Large-Cap Growth 0.07% 3,647 $380K No change
SUSA iShares ESG Optimized MSCI U 0.07% 3,154 $379K No change
JPM JPMorgan Chase & Co. 0.07% 1,795 $378K Add +0.5%
BIL SS SPDR BB 1-3M T-Bill ETF 0.06% 3,902 $358K New
ICSH iShares Ultra Short Duration 0.06% 7,000 $355K No change
XOM Exxon Mobil Corp. 0.06% 2,999 $352K No change
CSCO Cisco Systems Inc. 0.06% 6,400 $341K No change
BNDX Vanguard Total Intl Bond ETF 0.06% 6,607 $332K Reduce -7.1%
VONG Vanguard Russell 1000 Growth 0.06% 3,435 $332K Reduce -12.7%
AGG iShares Core U.S. Aggregate 0.06% 3,210 $325K Add +32.3%
LMT Lockheed Martin Corp. 0.05% 500 $292K No change
ASML ASML Holding NV-NY Reg SHS 0.05% 350 $292K No change
EFIV SS SPDR S&P 500 ESG ETF 0.05% 5,218 $291K New
XLV SS Health Care Select Sector 0.05% 1,850 $285K No change
SCHF Schwab Intl Equity ETF 0.05% 6,783 $279K Add +1.5%
COST Costco Wholesale Corp. 0.05% 314 $278K New
HON Honeywell International Inc. 0.05% 1,240 $256K Reduce -3.9%
SCHC Schwab Intl Small-Cap Equity 0.05% 6,620 $255K Add +0.3%
MDLZ Mondelez International Inc. Class A 0.05% 3,428 $253K New
SCHO Schwab Short-Term US Treas 0.05% 5,135 $252K Reduce -6.0%
MDT Medtronic PLC 0.04% 2,718 $245K No change
HYG Ishr Ibx Usd Hiyld CB ETF-Ui 0.04% 2,979 $239K New
EFG iShares MSCI Eafe Growth ETF 0.04% 2,178 $234K Add +0.4%
PANW Palo Alto Networks Inc. 0.04% 660 $226K No change
GSLC Goldman Activebeta US LC ETF 0.04% 1,992 $225K No change
CVX Chevron Corp. 0.04% 1,514 $223K New
ISRG Intuitive Surgical Inc. 0.04% 447 $220K Reduce -8.2%
ANET Arista Networks Inc. 0.04% 550 $211K Reduce -63.3%
VCEB Vanguard ESG US Corp. Bond 0.04% 3,182 $206K New
IEFA iShares Core MSCI Eafe ETF 0.04% 2,631 $205K New
VBK Van Morst SML-Cap Gro-Usd Inc. 0.04% 760 $203K New
AMARIN CORP PLC 0.00% 36,500 $23K New

Portfolio Sells Q2 2024 → Q3 2024
VUG Vanguard Mrngstar GR ETF-Sui Reduce -0.1% 16.20% −0.78
VGT Vanguard Info Tech ETF Reduce -5.3% 3.96% −0.46
IWF iShares Russell 1000 Growth Reduce -4.8% 1.77% −0.17
AAPL Apple Inc. Reduce -10.5% 1.27% −0.11
BSV Vanguard Short-Term Bond ETF Reduce -1.2% 1.62% −0.10
DUK Duke Energy Corp. Sold out 0.00% −0.08
ANET Arista Networks Inc. Reduce -63.3% 0.04% −0.06
MSFT Microsoft Corp. Reduce -1.0% 0.48% −0.06
QQQ Invesco QQQ Trust Series 1 Reduce -0.4% 0.89% −0.05
VGSH Vanguard Short-Term Treasury Reduce -1.0% 0.71% −0.05
SO The Southern Co. Reduce -27.5% 0.17% −0.05
HYMB SS SPDR N Ice HY Muni ETF Sold out 0.00% −0.04
VCLT Vanguard Long-Term Corp. Bond Reduce -2.2% 1.21% −0.03
MGK Vngrd Mrgstr MG CP GR ETF-Ui Reduce -12.7% 0.16% −0.03
NULG Nuveen ESG LRG-Cap GRW ETF Reduce -27.0% 0.07% −0.03
MTUM iShares MSCI USA Momentum Fa Reduce -24.0% 0.09% −0.03
VHT Vanguard Health Care ETF Reduce -0.6% 1.41% −0.03
IUSG iShares Core S&P U.S. Growth Reduce -4.8% 0.29% −0.03
SPY SS SPDR S&P 500 ETF Trust-US Reduce -2.3% 0.41% −0.02
IXJ iShares Global Healthcare Et Reduce -2.5% 0.36% −0.02
DSI iShares ESG MSCI KLD 400 ETF Reduce -1.8% 0.30% −0.01
VOX Vanguard Communication Servi Reduce -2.7% 0.27% −0.01
IVV iShares Core S&P 500 ETF Reduce -3.2% 0.22% −0.01
VONG Vanguard Russell 1000 Growth Reduce -12.7% 0.06% −0.01
ESGE iShares Inc. iShares ESG Awar Reduce -7.9% 0.13% −0.01
HON Honeywell International Inc. Reduce -3.9% 0.05% −0.01
BNDX Vanguard Total Intl Bond ETF Reduce -7.1% 0.06% −0.01
IBB iShares Biotechnology ETF Reduce -0.4% 0.33% −0.01
SCHO Schwab Short-Term US Treas Reduce -6.0% 0.05% −0.01
IWP iShares Russell Mid-Cap Grow Reduce -5.6% 0.07% −0.01
AFRM Affirm Holdings Inc. Reduce -25.3% 0.08% −0.01
EMB iShares JP Morgan Usd Emergi Reduce -2.5% 0.11% −0.00
NUSC Nuveen ESG Small-Cap ETF Reduce -6.2% 0.09% −0.00
ICLN iShares Global Clean Energy Reduce -7.9% 0.07% −0.00
ISRG Intuitive Surgical Inc. Reduce -8.2% 0.04% −0.00
AVGO Broadcom Inc. Reduce -1.7% 0.07% −0.00
VB Vanguard Most SM-Cap ETF-Usd Reduce -1.2% 1.06% −0.00
VFH Vanguard Financials ETF Reduce -0.9% 0.08% +0.00
VOE Vngrd Mrngstr MD-Cap Val ETF Reduce -2.9% 0.57% +0.00
GDX Vaneck Gold Miners ETF Reduce -2.3% 0.09% +0.01
SGOL Abrdn Physical Gold Shares Reduce -0.6% 0.18% +0.01
VIG Vanguard Dividend Apprec ETF Reduce -0.2% 2.00% +0.01
ICF iShares Select U.S. REIT ETF Reduce -0.3% 0.26% +0.02
VBR Vngrd Mrngst SL-CP Val ETF-U Reduce -0.6% 1.16% +0.02

Portfolio Buys Q2 2024 → Q3 2024
VYM Vanguard High DVD Yield ETF Add +3.1% 9.89% +0.35
BND Vanguard Total Bond Market Add +12.8% 3.43% +0.29
VXUS Vanguard Total Intl Stock Add +4.1% 6.22% +0.23
BTI British American Tob-SP ADR New 0.16% +0.16
IAU iShares Gold Trust Add +0.8% 2.26% +0.13
VCIT Vanguard Int-Term Corporate Add +7.1% 3.02% +0.13
PM Philip Morris International Add +71.4% 0.26% +0.12
VTV Vanguard Mrngstr Val ETF-Aui Add +2.5% 3.15% +0.11
DVY iShares Select Dividend ETF Add +2.5% 1.67% +0.10
VNQ Vanguard Real Estate ETF Add +2.4% 0.95% +0.09
MO Altria Group Inc. New 0.09% +0.09
MUB iShares National Muni Bond E Add +27.2% 0.51% +0.09
VOO Vanguard S&P 500 ETF Add +6.7% 1.58% +0.07
BIL SS SPDR BB 1-3M T-Bill ETF New 0.06% +0.06
JNK SS SPDR BB High Yield Bond Add +131.2% 0.12% +0.06
BLV Vanguard Long-Term Bond ETF Add +19.0% 0.36% +0.06
VPU Vanguard Utilities ETF Add +49.4% 0.14% +0.05
EFIV SS SPDR S&P 500 ESG ETF New 0.05% +0.05
COST Costco Wholesale Corp. New 0.05% +0.05
SUB iShares Short-Term National Add +31.6% 0.24% +0.05
MDLZ Mondelez International Inc. Class A New 0.05% +0.05
HYG Ishr Ibx Usd Hiyld CB ETF-Ui New 0.04% +0.04
NLY Annaly Capital Management Inc. Add +115.7% 0.08% +0.04
CVX Chevron Corp. New 0.04% +0.04
VCEB Vanguard ESG US Corp. Bond New 0.04% +0.04
IEFA iShares Core MSCI Eafe ETF New 0.04% +0.04
VBK Van Morst SML-Cap Gro-Usd Inc. New 0.04% +0.04
WMT Walmart Inc. Add +0.3% 0.29% +0.03
VO Vngrd Mrngstr MD-Cap ETF-Usd Add +2.6% 0.78% +0.03
VWO Vanguard Ftse Emerging Marke Add +4.4% 0.48% +0.03
VSGX Vanguard ESG Intl Stock ETF Add +3.0% 0.87% +0.02
BIV Vanguard Intermediate-Term B Add +6.1% 0.69% +0.02
IXUS iShares Core Intl Stock ETF Add +0.9% 2.49% +0.02
SCHD Schwab US DVD Equity ETF Add +1.2% 0.65% +0.01
AGG iShares Core U.S. Aggregate Add +32.3% 0.06% +0.01
VTEB Vanguard Tax-Exempt Bond ETF Add +8.7% 0.32% +0.01
VWOB Vanguard Emerg MKTS Gov BND Add +8.8% 0.14% +0.01
IUSB Ishr CR Unvrse Usd BD ETF-Ui Add +4.2% 0.77% +0.01
VTI VG Morningstar TS MKT ETF-US Add +2.9% 0.55% +0.01
ESGD iShares Trust iShares ESG Aw Add +3.0% 0.29% +0.01
VCR Vanguard Consumer Discre ETF Add +1.0% 0.29% +0.01
IJR iShares Core S&P Small-Cap E Add +1.1% 0.14% +0.00
AMARIN CORP PLC New 0.00% +0.00
VEU Vanguard Ftse All-World Ex-U Add +1.4% 0.24% +0.00
VV Vngrd Mrgstr LRG-Cap ETF-Usd Add +4.7% 0.10% +0.00
XLK SS Technology Select Sector Add +10.5% 0.09% +0.00
SCHP Schwab U.S. Tips ETF Add +4.7% 0.41% +0.00
VGK Vanguard Ftse Europe ETF Add +1.8% 0.16% +0.00
SCHF Schwab Intl Equity ETF Add +1.5% 0.05% +0.00
SCHC Schwab Intl Small-Cap Equity Add +0.3% 0.05% +0.00

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 151$802.3MVUG, SHV, VXUS, VYM, VCSH
Q1 2026 145$720.8MVUG, SHV, VYM, VXUS, VCSH
Q4 2025 150$716.4MVUG, VYM, SHV, VXUS, VCSH
Q3 2025 139$656.0MVUG, VYM, VXUS, SHV, VCSH
Q2 2025 138$614.8MVUG, VYM, VXUS, SHV, VCSH
Q1 2025 133$560.0MVUG, VYM, VXUS, SHV, VCSH
Q4 2024 133$569.2MVUG, VYM, VXUS, SHV, VCSH
Q3 2024 131$557.4MVUG, VYM, VXUS, VCSH, SHV
Q2 2024 121$518.3MVUG, VYM, VXUS, VCSH, VGT
Q1 2024 120$492.3MVUG, VYM, VXUS, VCSH, VGT