Institutional Manager · CIK 0001940823

W.H. Cornerstone Investments Inc.

KINGSTON, MA · File #028-22672

Latest AUM

$165.9M

Positions

113

Top-10 Concentration

54.8%

Filings

Portfolio Value Over Time

2024-03

2024-06

2024-09

2024-12

2025-03

2025-06

2025-09

2025-12

Biggest QoQ Changes

Ranked by conviction flow (share change × current price) so mark-to-market moves don't dominate. Price effect column shows how much of the $ change was just the stock moving.

Action	Issuer	Ticker / CUSIP	Δ Shares	Flow ($)	Price Effect
ADD	VANGUARD INDEX FDS	922908769	+5,201	+$1.7M	+$418,087
REDUCE	VANGUARD CHARLOTTE FDS	92203J407	-17,326	-$837,193	-$102,820
ADD	VANGUARD TAX-MANAGED FDS	921943858	+10,732	+$670,426	+$258,841
ADD	SELECT SECTOR SPDR TR	81369Y506	+10,390	+$464,530	-$400,739
ADD	DIMENSIONAL ETF TRUST	25434V575	+8,351	+$439,557	-$111,856
ADD	ECOLAB INC	ECL	+1,463	+$384,097	-$34,889
ADD	SCHWAB STRATEGIC TR	808524102	+13,543	+$355,235	+$25,012
ADD	DIMENSIONAL ETF TRUST	25434V815	+10,674	+$351,068	+$105,880
REDUCE	AIR PRODS & CHEMS INC	AIIR	-1,401	-$346,110	-$122,573
NEW	AMERICAN CENTY ETF TR	025072877	+3,112	+$317,370	$0

Sector Allocation

Technology

12.1%$20.0M

Consumer Discretionary

4.5%$7.4M

4.2%$7.0M

3.4%$5.7M

2.8%$4.6M

1.4%$2.4M

1.4%$2.4M

1.4%$2.4M

0.8%$1.3M

0.5%$892,193

Communication Services

0.3%$593,057

Filing History

Feb 10, 202613F HOLDINGS REPORTQ/E Dec 2025113 pos · $165.9M
Nov 5, 202513F HOLDINGS REPORTQ/E Sep 2025115 pos · $164.0M
Aug 8, 202513F HOLDINGS REPORTQ/E Jun 2025115 pos · $157.8M
May 9, 202513F HOLDINGS REPORTQ/E Mar 2025110 pos · $144.7M
Jan 30, 202513F HOLDINGS REPORTQ/E Dec 2024118 pos · $149.8M
Oct 30, 202413F HOLDINGS REPORTQ/E Sep 2024121 pos · $148,067
Jul 17, 202413F HOLDINGS REPORTQ/E Jun 2024122 pos · $141,129
May 6, 202413F HOLDINGS REPORTQ/E Mar 2024131 pos · $138,753
Oct 24, 202313F HOLDINGS REPORTQ/E Dec 2023127 pos · $113,754

Top 20 Holdings — Dec 2025

#	Issuer	Ticker	Shares	Value	% of Portfolio
1	VANGUARD INDEX FDS	922908769	64,097	$21.5M	15.26%
2	APPLE INC	AAPL	27,704	$7.5M	5.35%
3	VANGUARD TAX-MANAGED FDS	921943858	112,233	$7.0M	4.98%
4	VANGUARD SCOTTSDALE FDS	92206C409	87,306	$7.0M	4.94%
5	VANGUARD SCOTTSDALE FDS	92206C870	77,174	$6.5M	4.59%
6	MICROSOFT CORP	MSFT	13,313	$6.4M	4.57%
7	ALPHABET INC	GOOG	18,707	$5.9M	4.16%
8	AMAZON COM INC	AMZN	23,111	$5.3M	3.79%
9	SCHWAB STRATEGIC TR	808524854	206,667	$5.2M	3.68%
10	DIMENSIONAL ETF TRUST	25434V575	92,786	$4.9M	3.47%
11	DIMENSIONAL ETF TRUST	25434V815	111,518	$3.7M	2.60%
12	VANGUARD CHARLOTTE FDS	92203J407	72,850	$3.5M	2.50%
13	COSTCO WHSL CORP NEW	22160K105	4,034	$3.5M	2.47%
14	DIMENSIONAL ETF TRUST	25434V732	103,628	$3.4M	2.43%
15	SCHWAB STRATEGIC TR	808524862	126,549	$3.1M	2.19%
16	ISHARES TR	464287200	3,910	$2.7M	1.90%
17	THERMO FISHER SCIENTIFIC INC	TMO	3,917	$2.3M	1.61%
18	PROCTER AND GAMBLE CO	742718109	13,829	$2.0M	1.41%
19	VISA INC	V	5,623	$2.0M	1.40%
20	DIMENSIONAL ETF TRUST	25434V781	50,757	$1.9M	1.37%