13F HOLDINGS REPORT

Sterling Investment Advisors, Ltd.

Quarter ended Q4 2025 · Filed February 9, 2026 · Accession 0001701132-26-000001

Total Value

$542.9M

Positions

213

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (213)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	Apple, Inc.	AAPL	134,825	$36.7M	6.75%
2	JPMorgan Flexible Debt ETF	46654Q559	413,979	$20.8M	3.83%
3	Alphabet, Inc. A	GOOG	55,294	$17.3M	3.19%
4	Amazon.com, Inc.	AMZN	72,553	$16.7M	3.08%
5	Nvidia Corp.	NVDA	80,792	$15.1M	2.78%
6	VanEck Gold Miners ETF	92189F106	149,888	$12.9M	2.37%
7	Microsoft Corp.	MSFT	26,117	$12.6M	2.33%
8	Globus Medical, Inc.	GMED	144,023	$12.6M	2.32%
9	Kinder Morgan, Inc.	EP-PC	448,929	$12.3M	2.27%
10	CrowdStrike Holdings, Inc.	CRWD	23,072	$10.8M	1.99%
11	SPDR Gold MiniShares ETF	GLD	126,458	$10.8M	1.99%
12	iShares Select Dividend ETF	464287168	71,467	$10.1M	1.86%
13	Goldman Sachs Group, Inc.	GSCE	11,326	$10.0M	1.83%
14	iShares Core S&P Small-Cap ETF	78468R853	81,705	$9.8M	1.81%
15	Costco Wholesale Corp.	22160K105	9,495	$8.2M	1.51%
16	J.P. Morgan Chase & Co.	VYLD	24,392	$7.9M	1.45%
17	JPMorgan Equity Premium Income ETF	46641Q332	131,429	$7.5M	1.39%
18	Visa, Inc.	V	21,439	$7.5M	1.38%
19	Lockheed Martin Corp.	LMT	15,150	$7.3M	1.35%
20	KKR & Co.	KKRT	56,506	$7.2M	1.33%
21	The Home Depot, Inc.	HD	20,387	$7.0M	1.29%
22	Reaves Utility Income Fund	756158101	189,328	$6.9M	1.28%
23	Meta Platforms, Inc.	META	9,438	$6.2M	1.15%
24	Alerian MLP ETF	ALPWF	125,620	$5.9M	1.09%
25	Alphabet, Inc. C	GOOG	18,679	$5.9M	1.08%
26	Walmart, Inc.	WMT	49,377	$5.5M	1.01%
27	Johnson & Johnson	JNJ	26,524	$5.5M	1.01%
28	JPMorgan International Hedged Equity ETF	46654Q591	98,677	$5.2M	0.95%
29	Tesla, Inc.	TSLA	11,006	$4.9M	0.91%
30	iShares Flexible Income Active ETF	BLK	92,800	$4.9M	0.90%
31	VanEck Morningstar Wide Moat ETF	92189F643	47,149	$4.9M	0.90%
32	SPDR Bloomberg Convertible Securities ETF	78464A359	54,257	$4.8M	0.89%
33	Chevron Corp.	CVX	31,559	$4.8M	0.89%
34	VanEck BDC Income ETF	92189F411	337,425	$4.8M	0.88%
35	Tema Heart & Health ETF	87975E883	134,560	$4.7M	0.87%
36	Berkshire Hathaway, Inc. B	BRK-A	9,431	$4.7M	0.87%
37	Exxon Mobil Corp.	XOM	39,292	$4.7M	0.87%
38	Shopify, Inc.	SHOP	29,042	$4.7M	0.86%
39	iShares S&P National Muni Bond ETF	464288414	43,029	$4.6M	0.85%
40	Truist Financial Corp.	89832Q109	92,796	$4.6M	0.84%
41	Global X Robotics & A.I. ETF	37954Y715	121,980	$4.4M	0.81%
42	Amgen, Inc.	AMGN	13,259	$4.3M	0.80%
43	Palantir Technologies, Inc.	PLTR	23,053	$4.1M	0.75%
44	Invesco S&P 500 Equal Weight ETF	78355W106	20,452	$3.9M	0.72%
45	Cardinal Health, Inc.	CAH	18,025	$3.7M	0.68%
46	Vertiv Holdings Co.	VRT	22,476	$3.6M	0.67%
47	Deere & Co.	DE	7,763	$3.6M	0.67%
48	BlackRock, Inc.	BLK	3,315	$3.5M	0.65%
49	Vanguard Utilities ETF	92204A876	18,982	$3.5M	0.65%
50	VanEck Uranium & Nuclear ETF	92189F601	26,400	$3.3M	0.60%
51	Honeywell International, Inc.	438516106	16,475	$3.2M	0.59%
52	The Charles Schwab Corp.	SCHW-PJ	31,571	$3.2M	0.58%
53	Omega Healthcare Investors, Inc.	681936100	69,855	$3.1M	0.57%
54	Cummins, Inc.	CMI	5,980	$3.1M	0.56%
55	Lowe's Companies, Inc.	548661107	12,480	$3.0M	0.55%
56	VanEck Rare Earth & Strategic Metals ETF	92189H805	40,510	$3.0M	0.55%
57	Blackstone Group, Inc.	BX	19,424	$3.0M	0.55%
58	iShares US Preferred Stock ETF	464288687	93,771	$2.9M	0.53%
59	The Mosaic Co.	MOS	120,262	$2.9M	0.53%
60	Procter & Gamble Co.	742718109	19,534	$2.8M	0.52%
61	Merck & Co.	MRK	26,383	$2.8M	0.51%
62	Regeneron Pharmaceuticals, Inc.	REGN	3,352	$2.6M	0.48%
63	Zscaler, Inc.	ZS	11,030	$2.5M	0.46%
64	SPDR S&P MidCap 400 ETF	MDY	4,098	$2.5M	0.46%
65	Pfizer, Inc.	PFE	97,560	$2.4M	0.45%
66	Eli Lilly & Co.	LLY	2,215	$2.4M	0.44%
67	Eaton Corp.	ETN	7,259	$2.3M	0.43%
68	SPDR Mid Cap ETF	78464A847	39,098	$2.3M	0.42%
69	SPDR S&P 500 ETF	SPY	3,238	$2.2M	0.41%
70	Medtronic plc	MDT	22,750	$2.2M	0.40%
71	Oracle Corp.	ORCL-PD	10,996	$2.1M	0.39%
72	American Tower Corp.	03027X100	11,356	$2.0M	0.37%
73	PIMCO Intermediate Muni Bond Active ETF	72201R866	36,200	$1.9M	0.35%
74	Emerson Electric Co.	EMR	14,036	$1.9M	0.34%
75	iShares Bitcoin Trust ETF	IBIT	36,386	$1.8M	0.33%
76	McDonald's Corp.	MCD	5,799	$1.8M	0.33%
77	PepsiCo, Inc.	PEP	12,151	$1.7M	0.32%
78	Cisco Systems, Inc.	CSCO	22,587	$1.7M	0.32%
79	Invesco QQQ ETF	IVZ	2,756	$1.7M	0.31%
80	PIMCO Municipal Income Opportunities Active ETF	72201R635	37,015	$1.7M	0.31%
81	Paychex, Inc.	PAYX	14,852	$1.7M	0.31%
82	VanEck Semiconductor ETF	92189F676	4,241	$1.5M	0.28%
83	Abbott Laboratories	ABLZF	12,156	$1.5M	0.28%
84	Coca-Cola Co.	KO	20,679	$1.4M	0.27%
85	JPMorgan Active Bond ETF	46654Q716	24,410	$1.3M	0.24%
86	JPMorgan Core Plus Bond ETF	46641Q670	27,020	$1.3M	0.24%
87	First Trust Mid Cap Core AlphaDEX ETF	33735B108	10,095	$1.3M	0.23%
88	iShares MSCI EAFE Index Fund ETF	464287465	13,169	$1.3M	0.23%
89	SPDR S&P 500 Growth ETF	78464A409	11,778	$1.3M	0.23%
90	JPMorgan Nasdaq Equity Premium Income ETF	46654Q203	21,609	$1.3M	0.23%
91	iShares MSCI Emerging Markets Index Fund ETF	464287234	21,445	$1.2M	0.22%
92	Stryker Corp.	SYK	3,221	$1.1M	0.21%
93	Corning, Inc.	GLW	12,780	$1.1M	0.21%
94	VanEck Junior Gold Miners ETF	92189F791	9,550	$1.1M	0.20%
95	Caterpillar, Inc.	CAT	1,851	$1.1M	0.20%
96	Essential Utilities, Inc.	29670G102	26,908	$1.0M	0.19%
97	Mondelez International, Inc.	609207105	19,165	$1.0M	0.19%
98	RTX Corp.	RTX	5,365	$983,974	0.18%
99	PPL Corp.	PPLC	27,261	$954,688	0.18%
100	General Mills, Inc.	370334104	20,475	$952,088	0.18%
101	Vanguard Total Stock Market Index ETF	922908769	2,797	$937,755	0.17%
102	Broadcom, Inc.	AVGO	2,701	$934,981	0.17%
103	Vanguard Dividend Appreciation ETF	921908844	4,145	$910,900	0.17%
104	The TJX Companies, Inc.	872540109	5,525	$848,695	0.16%
105	JP Morgan Municipal ETF	46641Q647	16,000	$808,000	0.15%
106	Strategy, Inc.	STRK	5,310	$806,855	0.15%
107	Netflix, Inc.	NFLX	8,323	$780,368	0.14%
108	Inspire 100 ETF	NTRSO	17,200	$776,236	0.14%
109	iShares Core S&P 500 ETF	464287200	1,129	$773,297	0.14%
110	Enbridge, Inc.	ENNPF	16,070	$768,628	0.14%
111	Advanced Micro Devices, Inc.	AMD	3,573	$765,194	0.14%
112	Aurora Innovation, Inc.	AUROW	198,950	$763,968	0.14%
113	Inspire 500 ETF	NTRSO	3,075	$763,184	0.14%
114	Public Storage	PSA-PS	2,903	$753,329	0.14%
115	Alps Medical Breakthrough ETF	00162Q593	14,675	$751,654	0.14%
116	First Trust Large Cap Core AlphaDEX ETF	33734K109	6,314	$748,945	0.14%
117	Energy Select Sector SPDR ETF	81369Y506	16,675	$745,538	0.14%
118	IDEXX Laboratories, Inc.	45168D104	1,100	$744,183	0.14%
119	Comcast Corp. A	CCZ	23,477	$701,718	0.13%
120	Lam Research Corp.	LRCX	4,060	$694,920	0.13%
121	American Express Co.	AXP	1,873	$692,865	0.13%
122	iShares Ethereum Trust	46438R105	30,625	$686,919	0.13%
123	iShares S&P Mid Cap 400 Index ETF	464287507	10,295	$679,470	0.13%
124	Vanguard Emerging Markets Stock Index ETF	922042858	12,228	$657,389	0.12%
125	Vanguard S&P 500 ETF	922908363	1,033	$647,913	0.12%
126	First Solar Inc	FSLR	2,410	$629,564	0.12%
127	iShares iBonds Dec 2032 Term Corp. ETF	46436E312	24,575	$627,400	0.12%
128	Vanguard Growth Index ETF	922908736	1,268	$618,489	0.11%
129	iShares iBonds Dec 2033 Term Corp. ETF	46436E130	22,765	$595,077	0.11%
130	IBM Corp.	INTR	1,994	$590,725	0.11%
131	Vertex, Inc.	VERX	29,470	$588,516	0.11%
132	Walt Disney Co.	254687106	5,143	$585,108	0.11%
133	iShares U.S. Home Construction ETF	464288752	5,970	$574,933	0.11%
134	JPMorgan Ultra-Short Income ETF	46641Q837	11,350	$574,197	0.11%
135	Inspire International ETF	NTRSO	15,600	$569,088	0.10%
136	UnitedHealth Group, Inc.	UNH	1,686	$556,583	0.10%
137	Inspire Small/Mid Cap ETF	NTRSO	14,300	$551,694	0.10%
138	3M Company	MMM	3,300	$528,355	0.10%
139	SPDR Aerospace & Defense ETF	78464A631	2,140	$516,254	0.10%
140	Vanguard Total World Stock Index ETF	922042742	3,656	$515,764	0.09%
141	Air Products & Chemicals, Inc.	AIIR	2,077	$513,061	0.09%
142	Schwab International Equity ETF	808524805	21,086	$506,901	0.09%
143	Schwab U.S. Dividend Equity ETF	808524797	18,328	$502,724	0.09%
144	Janus Henderson AAA CLO ETF	47103U845	9,890	$500,236	0.09%
145	Intel Corp.	INTC	13,451	$496,353	0.09%
146	Inspire Global Hope ETF	NTRSO	11,475	$495,805	0.09%
147	ConocoPhillips, Inc.	COP	5,270	$493,325	0.09%
148	Vanguard Total Bond Market Index ETF	921937835	6,550	$485,159	0.09%
149	iShares Cohen & Steers REIT ETF	464287564	7,370	$439,768	0.08%
150	Waste Management, Inc.	94106L109	1,888	$414,906	0.08%
151	iShares iBonds Dec 2031 Term Corp. ETF	46436E486	19,385	$409,993	0.08%
152	Cloudflare, Inc.	NET	2,018	$397,849	0.07%
153	iShares MSCI Kld Social Index ETF	464288570	3,000	$386,490	0.07%
154	Altria Group, Inc.	MO	6,629	$382,221	0.07%
155	Quanta Services, Inc.	74762E102	895	$377,744	0.07%
156	Constellation Energy Group, Inc.	CEG	1,068	$377,299	0.07%
157	Vanguard Value Index ETF	922908744	1,919	$366,460	0.07%
158	T Rowe Price US Equity Research ETF	87283Q503	8,500	$363,630	0.07%
159	iShares Gold TRUST	IAU	4,352	$353,252	0.07%
160	Capital Group Core Plus Income ETF	14020Y102	15,571	$352,527	0.06%
161	Astera Labs, Inc.	ALAB	2,025	$336,879	0.06%
162	Bank of America Corp.	060505104	6,017	$330,935	0.06%
163	Vanguard Developed Markets Index ETF	921943858	5,197	$324,678	0.06%
164	Global X S&P 500 Catholic Values ETF	37954Y889	3,860	$317,395	0.06%
165	The Boeing Company	BA-PA	1,460	$316,995	0.06%
166	First Trust Cloud Computing ETF	33734X192	2,430	$316,094	0.06%
167	Invesco Global Listed Private Equity ETF	IVZ	4,700	$315,248	0.06%
168	Phillips 66	PSX	2,424	$312,793	0.06%
169	Salesforce, Inc.	CRM	1,133	$300,218	0.06%
170	Blackstone Secured Lending Fund	BX	11,240	$295,949	0.05%
171	Deutsch X-Trackers MSCI EAFE ETF	233051200	6,088	$292,894	0.05%
172	Check Point Software Technologies, Ltd.	M22465104	1,545	$286,690	0.05%
173	Fidelity Crypto Industry & Digital Payments ETF	316092196	7,185	$276,816	0.05%
174	Gamestop Corp Cl A New	GME-WT	13,683	$274,755	0.05%
175	Unilever PLC ADR	UNLYF	4,197	$274,484	0.05%
176	Adobe, Inc.	ADBE	779	$272,642	0.05%
177	First Resource Bank	336177100	13,511	$266,842	0.05%
178	iShares iBonds Dec 2034 Term Corp. ETF	46438G653	10,115	$266,733	0.05%
179	Philip Morris International, Inc.	718172109	1,650	$264,660	0.05%
180	FedEx Corp.	FDX	874	$252,464	0.05%
181	Vanguard Core Tax Exempt Bond	922907712	3,265	$246,736	0.05%
182	Vanguard Short-Term Bond Index ETF	921937827	3,104	$244,611	0.05%
183	Mastercard, Inc.	MA	426	$243,148	0.04%
184	Schwab U.S. Large-Cap ETF	808524201	9,033	$243,078	0.04%
185	Vanguard Small Cap Index ETF	922908751	933	$240,737	0.04%
186	Digital Realty Trust, Inc.	253868103	1,538	$237,944	0.04%
187	Northrop Grumman Corp.	NOC	417	$237,850	0.04%
188	Immunome, Inc.	IMNM	11,065	$237,676	0.04%
189	Alibaba Group Holding, Ltd.	BBAAY	1,617	$237,020	0.04%
190	Schwab U.S. Broad Market ETF	808524102	9,005	$236,201	0.04%
191	Zoetis, Inc.	ZTS	1,800	$226,476	0.04%
192	SPDR Gold Trust ETF	GLD	569	$225,500	0.04%
193	iShares Russell 2000 ETF	464287655	916	$225,483	0.04%
194	iShares Russell Top 200 Growth ETF	464289438	810	$224,321	0.04%
195	Welltower, Inc.	WELL	1,200	$222,732	0.04%
196	iShares Core MSCI EAFE ETF	464287465	2,386	$213,452	0.04%
197	iShares iBonds Dec 2030 Term Corp. ETF	46436E726	9,660	$213,196	0.04%
198	TE Connectivity, Ltd.	TEL	934	$212,494	0.04%
199	DigitalOcean Holdings, Inc.	DOCN	4,400	$211,728	0.04%
200	T Rowe Price Capital Appreciation	87283Q867	5,500	$210,210	0.04%
201	Vanguard Extended Market Index Fund ETF	922908652	1,000	$209,120	0.04%
202	BP p.l.c.	BPPFF	5,912	$205,324	0.04%
203	Marvell Technology Group, LTD	MRVL	2,415	$205,227	0.04%
204	Uber Technologies, Inc.	UBER	2,511	$205,174	0.04%
205	Rolls-Royce Holdings	775781206	13,000	$204,360	0.04%
206	Rio Tinto Group	RTNTF	2,533	$202,736	0.04%
207	Credo Technology Group	CRDO	1,400	$201,446	0.04%
208	Ford Motor Co.	F-PD	11,600	$152,192	0.03%
209	Annovis Bio, Inc.	ANVS	23,416	$81,019	0.01%
210	Prime Medicine Inc	PRME	13,400	$46,498	0.01%
211	Tetra Bio-Pharma, Inc.	88166Y100	23,500	$0	0.00%
212	Quantum Materials Co	74766A106	65,000	$0	0.00%
213	Aden Solutions, Inc. XXX	00685L105	12,250	$0	0.00%