13F HOLDINGS REPORT

CORNERSTONE ADVISORS ASSET MANAGEMENT, LLC

Quarter ended Q3 2025 · Filed November 4, 2025 · Accession 0002044324-25-000012

Total Value

$572.0M

Positions

128

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (128)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	SCHWAB STRATEGIC TR	808524201	2,912,790	$76.7M	13.41%
2	VANGUARD INTL EQUITY INDEX F	922042775	578,016	$41.3M	7.21%
3	SPDR SERIES TRUST	78464A649	1,557,478	$40.3M	7.04%
4	HARTFORD FDS EXCHANGE TRADED	41653L305	940,336	$32.2M	5.64%
5	ISHARES TR	464287200	47,624	$31.9M	5.57%
6	JANUS DETROIT STR TR	47103U845	549,637	$27.9M	4.88%
7	SPDR SERIES TRUST	78464A854	298,120	$23.4M	4.08%
8	ISHARES TR	46429B291	386,080	$18.7M	3.27%
9	ISHARES TR	46436E718	169,768	$17.1M	2.99%
10	NEW YORK LIFE INVTS ACTIVE E	45409F843	655,080	$15.6M	2.73%
11	SPDR SERIES TRUST	78468R853	330,999	$15.3M	2.68%
12	VANGUARD INDEX FDS	922908637	39,314	$12.1M	2.12%
13	GOLDMAN SACHS ETF TR	NVGLF	128,623	$10.9M	1.91%
14	PRINCIPAL EXCHANGE TRADED FD	74255Y888	563,152	$10.8M	1.88%
15	NEW YORK LIFE INVTS ACTIVE E	45409F827	433,952	$10.5M	1.84%
16	VANGUARD WORLD FD	92204A702	12,493	$9.3M	1.63%
17	SPDR S&P 500 ETF TR	SPY	12,048	$8.0M	1.40%
18	ISHARES TR	464287614	15,617	$7.3M	1.28%
19	SCHWAB STRATEGIC TR	808524805	302,534	$7.0M	1.23%
20	VANGUARD WHITEHALL FDS	921946810	76,640	$6.9M	1.20%
21	ISHARES TR	464287168	43,027	$6.1M	1.07%
22	ISHARES TR	46432F339	31,027	$6.0M	1.06%
23	SPDR SERIES TRUST	78464A300	65,033	$5.8M	1.01%
24	SPDR INDEX SHS FDS	78463X889	128,409	$5.5M	0.96%
25	ISHARES TR	464287465	58,843	$5.5M	0.96%
26	VANGUARD INDEX FDS	922908769	14,121	$4.6M	0.81%
27	VANGUARD SPECIALIZED FUNDS	921908844	20,656	$4.5M	0.78%
28	VANGUARD WHITEHALL FDS	921946406	29,009	$4.1M	0.71%
29	CAPITAL GRP FIXED INCM ETF T	14020Y201	148,276	$4.0M	0.71%
30	SCHWAB STRATEGIC TR	808524607	140,158	$3.9M	0.68%
31	ISHARES TR	464287226	36,418	$3.7M	0.64%
32	ISHARES TR	464287507	53,987	$3.5M	0.62%
33	ISHARES TR	46435G524	41,041	$3.3M	0.57%
34	ISHARES TR	46432F842	37,160	$3.2M	0.57%
35	VANGUARD MUN BD FDS	922907746	63,790	$3.2M	0.56%
36	PROSHARES TR	74348A467	29,875	$3.1M	0.54%
37	ISHARES TR	464287655	12,437	$3.0M	0.53%
38	ISHARES TR	464287804	24,808	$2.9M	0.52%
39	VANGUARD SCOTTSDALE FDS	92206C664	29,277	$2.9M	0.50%
40	ISHARES TR	46434V613	60,815	$2.8M	0.50%
41	GOLDMAN SACHS ETF TR	NVGLF	28,321	$2.8M	0.50%
42	SCHWAB STRATEGIC TR	808524722	84,364	$2.7M	0.47%
43	ISHARES TR	464287564	41,657	$2.6M	0.45%
44	VANGUARD INDEX FDS	922908751	9,160	$2.3M	0.41%
45	SPDR SERIES TRUST	78464A508	40,389	$2.2M	0.39%
46	SCHWAB STRATEGIC TR	808524649	85,203	$2.2M	0.38%
47	BNY MELLON ETF TRUST	09661T107	14,300	$1.8M	0.32%
48	APPLE INC	AAPL	7,069	$1.8M	0.31%
49	VANGUARD STAR FDS	921909768	22,773	$1.7M	0.29%
50	SSGA ACTIVE ETF TR	78467V103	53,786	$1.7M	0.29%
51	ISHARES TR	46429B663	12,092	$1.5M	0.26%
52	INNOVATOR ETFS TRUST	INHD	35,112	$1.4M	0.25%
53	ISHARES TR	464288687	42,909	$1.4M	0.24%
54	VANGUARD WHITEHALL FDS	921946794	14,048	$1.2M	0.21%
55	ISHARES TR	46435G409	32,511	$1.2M	0.20%
56	ISHARES INC	46434G103	17,444	$1.1M	0.20%
57	INTERNATIONAL BUSINESS MACHS	INTR	4,059	$1.1M	0.20%
58	SCHWAB STRATEGIC TR	808524409	38,547	$1.1M	0.20%
59	BERKSHIRE HATHAWAY INC DEL	BRK-A	2,211	$1.1M	0.19%
60	ISHARES TR	46429B267	45,488	$1.1M	0.18%
61	ISHARES TR	464287622	2,737	$1.0M	0.17%
62	PGIM ETF TR	69344A834	19,157	$986,596	0.17%
63	VANGUARD INDEX FDS	922908736	1,991	$954,742	0.17%
64	CAPITAL GROUP INTL FOCUS EQT	14019W109	32,128	$951,625	0.17%
65	NVIDIA CORPORATION	NVDA	4,859	$906,593	0.16%
66	VANGUARD TAX-MANAGED FDS	921943858	13,612	$815,631	0.14%
67	SPDR SERIES TRUST	78468R663	8,875	$814,242	0.14%
68	VANGUARD INDEX FDS	922908744	4,349	$811,099	0.14%
69	ISHARES TR	46432F388	6,486	$811,023	0.14%
70	VANGUARD BD INDEX FDS	921937835	10,833	$805,650	0.14%
71	VANGUARD MALVERN FDS	922020805	15,374	$778,389	0.14%
72	BERKSHIRE HATHAWAY INC DEL	BRK-A	1	$754,200	0.13%
73	PPL CORP	PPLC	19,874	$738,518	0.13%
74	PEOPLES FINL SVCS CORP	711040105	15,153	$736,587	0.13%
75	MICROSOFT CORP	MSFT	1,422	$736,525	0.13%
76	VANGUARD INTL EQUITY INDEX F	922042742	5,203	$716,932	0.13%
77	YUM BRANDS INC	YUM	4,450	$676,400	0.12%
78	LISTED FDS TR	53656F623	15,031	$671,811	0.12%
79	SCHWAB STRATEGIC TR	808524102	26,081	$670,534	0.12%
80	ISHARES TR	464287630	3,703	$654,727	0.11%
81	ABBVIE INC	ABBV	2,776	$642,755	0.11%
82	JOHNSON & JOHNSON	JNJ	3,445	$638,863	0.11%
83	ISHARES TR	46434V621	9,237	$628,855	0.11%
84	NORFOLK SOUTHN CORP	655844108	2,048	$615,240	0.11%
85	ABRDN ETFS	003261104	27,413	$590,476	0.10%
86	ISHARES TR	464288877	8,629	$585,290	0.10%
87	BNY MELLON ETF TRUST	09661T834	10,571	$544,681	0.10%
88	ISHARES TR	46435G425	3,541	$515,568	0.09%
89	ISHARES TR	464288174	6,915	$507,623	0.09%
90	SPDR GOLD TR	GLD	1,390	$494,103	0.09%
91	ISHARES TR	464287598	2,344	$477,269	0.08%
92	VANGUARD ADMIRAL FDS INC	921932828	4,077	$450,386	0.08%
93	VANGUARD SCOTTSDALE FDS	92206C409	5,505	$440,015	0.08%
94	MCDONALDS CORP	MCD	1,389	$422,103	0.07%
95	VANGUARD INDEX FDS	922908611	1,995	$416,376	0.07%
96	TRUIST FINL CORP	89832Q109	8,910	$407,370	0.07%
97	ABBOTT LABS	ABLZF	3,036	$406,642	0.07%
98	SPDR SERIES TRUST	78468R200	12,880	$397,477	0.07%
99	INVESCO EXCH TRADED FD TR II	IVZ	6,956	$361,688	0.06%
100	VANGUARD INDEX FDS	922908629	1,146	$336,626	0.06%
101	SPDR INDEX SHS FDS	78463X509	6,981	$326,781	0.06%
102	PROCTER AND GAMBLE CO	742718109	2,073	$318,516	0.06%
103	KIMBERLY-CLARK CORP	KMB	2,558	$318,062	0.06%
104	AMERICAN CENTY ETF TR	025072604	4,123	$309,679	0.05%
105	ROSS STORES INC	ROST	2,000	$304,780	0.05%
106	VANGUARD INDEX FDS	922908363	468	$286,594	0.05%
107	PGIM ETF TR	69344A107	5,744	$286,224	0.05%
108	AMAZON COM INC	AMZN	1,303	$286,100	0.05%
109	CHEVRON CORP NEW	CVX	1,805	$280,298	0.05%
110	VANGUARD INTL EQUITY INDEX F	922042858	5,170	$280,111	0.05%
111	ISHARES TR	464288646	5,233	$277,506	0.05%
112	SCHWAB STRATEGIC TR	808524870	10,184	$274,465	0.05%
113	PLAINS ALL AMERN PIPELINE L	726503105	15,000	$255,900	0.04%
114	EXXON MOBIL CORP	XOM	2,118	$238,805	0.04%
115	ISHARES TR	464288661	1,998	$238,781	0.04%
116	ISHARES TR	46434V456	5,284	$233,500	0.04%
117	M & T BK CORP	55261F104	1,169	$231,089	0.04%
118	ISHARES TR	464287101	675	$224,581	0.04%
119	ISHARES TR	46432F834	2,698	$222,801	0.04%
120	ALPHABET INC	GOOG	914	$222,193	0.04%
121	CISCO SYS INC	CSCO	3,246	$222,091	0.04%
122	ALLSTATE CORP	ALL-PJ	1,000	$214,650	0.04%
123	HOME DEPOT INC	HD	517	$209,483	0.04%
124	PEPSICO INC	PEP	1,481	$207,992	0.04%
125	LINDE PLC	LIN	435	$206,625	0.04%
126	JANUS DETROIT STR TR	47103U886	4,150	$204,542	0.04%
127	MID PENN BANCORP INC	MPB	7,137	$204,404	0.04%
128	VANGUARD WORLD FD	921910725	2,918	$202,391	0.04%