13F HOLDINGS REPORT

CORNERSTONE ADVISORS ASSET MANAGEMENT, LLC

Quarter ended Q4 2025 · Filed February 11, 2026 · Accession 0002044324-26-000001

Total Value

$616.2M

Positions

133

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (133)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	SCHWAB STRATEGIC TR	808524201	2,915,883	$78.5M	12.74%
2	VANGUARD INTL EQUITY INDEX F	922042775	596,366	$43.9M	7.12%
3	SPDR SERIES TRUST	78464A649	1,580,729	$40.7M	6.61%
4	HARTFORD FDS EXCHANGE TRADED	41653L305	969,879	$33.1M	5.38%
5	ISHARES TR	464287200	46,186	$31.6M	5.13%
6	JANUS DETROIT STR TR	47103U845	564,632	$28.6M	4.63%
7	SPDR SERIES TRUST	78464A854	304,665	$24.4M	3.97%
8	ISHARES TR	46429B291	447,791	$21.5M	3.49%
9	ISHARES TR	46436E718	189,249	$19.0M	3.08%
10	SPDR SERIES TRUST	78468R853	350,243	$16.4M	2.66%
11	NEW YORK LIFE INVTS ACTIVE E	45409F843	665,871	$15.9M	2.59%
12	GOLDMAN SACHS ETF TR	NVGLF	178,487	$15.2M	2.47%
13	NEW YORK LIFE INVTS ACTIVE E	45409F827	511,354	$12.4M	2.02%
14	VANGUARD INDEX FDS	922908637	38,408	$12.1M	1.96%
15	PRINCIPAL EXCHANGE TRADED FD	74255Y888	615,452	$11.7M	1.90%
16	VANGUARD WORLD FD	92204A702	12,610	$9.5M	1.54%
17	SPDR S&P 500 ETF TR	SPY	11,467	$7.8M	1.27%
18	SCHWAB STRATEGIC TR	808524805	316,423	$7.6M	1.23%
19	ISHARES TR	464287614	15,622	$7.4M	1.20%
20	VANGUARD WHITEHALL FDS	921946810	76,783	$7.0M	1.14%
21	SCHWAB STRATEGIC TR	808524722	194,308	$6.4M	1.03%
22	ISHARES TR	464287168	43,027	$6.1M	0.99%
23	PGIM ETF TR	69344A107	118,472	$5.9M	0.95%
24	SPDR INDEX SHS FDS	78463X889	129,924	$5.8M	0.94%
25	SPDR SERIES TRUST	78464A300	63,149	$5.7M	0.93%
26	ISHARES TR	464287465	58,843	$5.7M	0.92%
27	ISHARES TR	46432F339	26,643	$5.3M	0.86%
28	VANGUARD SPECIALIZED FUNDS	921908844	21,340	$4.7M	0.76%
29	CAPITAL GRP FIXED INCM ETF T	14020Y201	157,437	$4.3M	0.70%
30	VANGUARD WHITEHALL FDS	921946406	29,009	$4.2M	0.68%
31	VANGUARD INDEX FDS	922908769	12,274	$4.1M	0.67%
32	SCHWAB STRATEGIC TR	808524607	138,569	$3.9M	0.64%
33	VANGUARD MALVERN FDS	922020755	46,569	$3.6M	0.59%
34	ISHARES TR	464287226	36,373	$3.6M	0.59%
35	ISHARES TR	46435G524	41,041	$3.4M	0.55%
36	CAPITAL GRP FIXED INCM ETF T	14020Y102	149,928	$3.4M	0.55%
37	ISHARES TR	464287507	50,931	$3.4M	0.55%
38	SCHWAB STRATEGIC TR	808524649	129,240	$3.3M	0.54%
39	VANGUARD MUN BD FDS	922907746	64,858	$3.3M	0.53%
40	ISHARES TR	464287564	52,534	$3.1M	0.51%
41	PROSHARES TR	74348A467	29,875	$3.1M	0.50%
42	ISHARES TR	464287655	12,437	$3.1M	0.50%
43	VANGUARD SCOTTSDALE FDS	92206C664	29,300	$2.9M	0.47%
44	ISHARES TR	46434V613	61,680	$2.9M	0.47%
45	ISHARES TR	46432F842	31,683	$2.8M	0.46%
46	GOLDMAN SACHS ETF TR	NVGLF	28,189	$2.8M	0.46%
47	ISHARES TR	464287804	23,114	$2.8M	0.45%
48	BONDBLOXX ETF TRUST	09789C721	49,230	$2.5M	0.41%
49	APPLE INC	AAPL	9,172	$2.5M	0.40%
50	VANGUARD STAR FDS	921909768	31,703	$2.4M	0.39%
51	VANGUARD INDEX FDS	922908751	9,197	$2.4M	0.38%
52	SPDR SERIES TRUST	78464A508	40,610	$2.3M	0.37%
53	BNY MELLON ETF TRUST	09661T107	14,300	$1.9M	0.30%
54	SSGA ACTIVE ETF TR	78467V103	53,886	$1.7M	0.28%
55	ISHARES TR	46429B663	12,256	$1.5M	0.24%
56	INNOVATOR ETFS TRUST	INHD	35,112	$1.5M	0.24%
57	INTERNATIONAL BUSINESS MACHS	INTR	4,820	$1.4M	0.23%
58	ISHARES TR	464288687	45,210	$1.4M	0.23%
59	BERKSHIRE HATHAWAY INC DEL	BRK-A	2,661	$1.3M	0.22%
60	MICROSOFT CORP	MSFT	2,719	$1.3M	0.21%
61	ISHARES TR	46435G409	32,609	$1.2M	0.20%
62	ISHARES TR	46432F388	8,404	$1.1M	0.19%
63	SCHWAB STRATEGIC TR	808524409	38,760	$1.1M	0.19%
64	VANGUARD INDEX FDS	922908736	2,194	$1.1M	0.17%
65	ISHARES TR	46429B267	46,020	$1.1M	0.17%
66	CAPITAL GROUP INTL FOCUS EQT	14019W109	33,514	$990,344	0.16%
67	PGIM ETF TR	69344A834	19,138	$981,023	0.16%
68	NVIDIA CORPORATION	NVDA	5,084	$948,167	0.15%
69	ISHARES TR	464287622	2,335	$872,013	0.14%
70	SPDR GOLD TR	GLD	2,157	$854,841	0.14%
71	VANGUARD INDEX FDS	922908744	4,454	$850,682	0.14%
72	VANGUARD MALVERN FDS	922020805	15,498	$766,544	0.12%
73	BERKSHIRE HATHAWAY INC DEL	BRK-A	1	$754,800	0.12%
74	ISHARES INC	46434G103	11,221	$754,292	0.12%
75	ABBVIE INC	ABBV	3,256	$743,963	0.12%
76	JOHNSON & JOHNSON	JNJ	3,577	$740,196	0.12%
77	VANGUARD INTL EQUITY INDEX F	922042742	5,239	$739,022	0.12%
78	PEOPLES FINL SVCS CORP	711040105	15,153	$738,103	0.12%
79	PPL CORP	PPLC	20,149	$705,618	0.11%
80	ISHARES TR	464287630	3,843	$696,390	0.11%
81	SCHWAB STRATEGIC TR	808524102	26,162	$686,237	0.11%
82	SPDR SERIES TRUST	78468R663	7,409	$677,000	0.11%
83	LISTED FDS TR	53656F623	15,031	$668,278	0.11%
84	VANGUARD BD INDEX FDS	921937835	8,916	$660,408	0.11%
85	VANGUARD ADMIRAL FDS INC	921932828	5,920	$656,842	0.11%
86	ISHARES TR	46434V621	9,237	$641,233	0.10%
87	YUM BRANDS INC	YUM	4,198	$635,073	0.10%
88	VANGUARD TAX-MANAGED FDS	921943858	9,833	$614,275	0.10%
89	NORFOLK SOUTHN CORP	655844108	2,048	$591,299	0.10%
90	ISHARES TR	464288877	8,269	$590,479	0.10%
91	ABRDN ETFS	003261104	28,711	$560,726	0.09%
92	BNY MELLON ETF TRUST	09661T834	10,571	$545,146	0.09%
93	ISHARES TR	46435G425	3,552	$529,152	0.09%
94	ISHARES TR	464288174	6,915	$497,949	0.08%
95	ISHARES TR	464287598	2,357	$495,863	0.08%
96	VANGUARD SCOTTSDALE FDS	92206C409	5,933	$473,054	0.08%
97	AMAZON COM INC	AMZN	2,003	$462,332	0.08%
98	MCDONALDS CORP	MCD	1,468	$448,665	0.07%
99	TRUIST FINL CORP	89832Q109	8,985	$442,171	0.07%
100	ABBOTT LABS	ABLZF	3,448	$432,000	0.07%
101	SPDR SERIES TRUST	78468R200	13,367	$410,768	0.07%
102	ALPHABET INC	GOOG	1,234	$386,242	0.06%
103	INVESCO EXCH TRADED FD TR II	IVZ	6,964	$366,569	0.06%
104	ROSS STORES INC	ROST	2,000	$360,280	0.06%
105	PLAINS ALL AMERN PIPELINE L	726503105	20,000	$359,200	0.06%
106	EXXON MOBIL CORP	XOM	2,836	$341,284	0.06%
107	PROCTER AND GAMBLE CO	742718109	2,314	$331,619	0.05%
108	VANGUARD INDEX FDS	922908629	1,129	$327,658	0.05%
109	SPDR INDEX SHS FDS	78463X509	6,618	$309,789	0.05%
110	CHEVRON CORP NEW	CVX	2,011	$306,497	0.05%
111	VANGUARD INTL EQUITY INDEX F	922042858	5,644	$303,406	0.05%
112	VANGUARD INDEX FDS	922908363	464	$290,988	0.05%
113	META PLATFORMS INC	META	426	$281,198	0.05%
114	JPMORGAN CHASE & CO.	VYLD	850	$273,887	0.04%
115	SCHWAB STRATEGIC TR	808524870	10,306	$272,998	0.04%
116	WALMART INC	WMT	2,442	$272,063	0.04%
117	CISCO SYS INC	CSCO	3,406	$262,364	0.04%
118	KIMBERLY-CLARK CORP	KMB	2,558	$258,077	0.04%
119	M & T BK CORP	55261F104	1,169	$235,603	0.04%
120	PEPSICO INC	PEP	1,634	$234,512	0.04%
121	ISHARES TR	464287101	676	$231,989	0.04%
122	ISHARES TR	46432F834	2,698	$228,359	0.04%
123	MID PENN BANCORP INC	MPB	7,137	$221,390	0.04%
124	HOME DEPOT INC	HD	642	$220,912	0.04%
125	TRAVELERS COMPANIES INC	TRV	746	$216,385	0.04%
126	MERCK & CO INC	MRK	2,031	$213,783	0.03%
127	VANGUARD WORLD FD	921910725	2,952	$211,449	0.03%
128	ISHARES TR	464288661	1,763	$210,414	0.03%
129	ALLSTATE CORP	ALL-PJ	1,000	$208,150	0.03%
130	JANUS DETROIT STR TR	47103U886	4,216	$207,197	0.03%
131	FLEXSHARES TR	FLEX	4,486	$205,683	0.03%
132	ALPHABET INC	GOOG	655	$205,539	0.03%
133	VANGUARD WORLD FD	921910816	488	$201,621	0.03%