# EDGAR Filing Document

**Accession Number:** 0001940823
**File Stem:** 0002063364-25-000270
**Filing Date:** 2025-11
**Character Count:** 14865
**Document Hash:** 1e753b8eeb2ae8e7caeec5f0b1cc62c8
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002063364-25-000270.hdr.sgml**: 20251105

**ACCESSION NUMBER**: 0002063364-25-000270

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251105

**DATE AS OF CHANGE**: 20251105

**EFFECTIVENESS DATE**: 20251105

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** W.H. Cornerstone Investments Inc.
- **CENTRAL INDEX KEY:** 0001940823

**ORGANIZATION NAME:**
- **EIN:** 510405395
- **STATE OF INCORPORATION:** MA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22672
- **FILM NUMBER:** 251452380

**BUSINESS ADDRESS:**
- **STREET 1:** 13 TREMONT STREET
- **CITY:** KINGSTON
- **STATE:** MA
- **ZIP:** 02364
- **BUSINESS PHONE:** 888.797.9009

**MAIL ADDRESS:**
- **STREET 1:** 13 TREMONT STREET
- **CITY:** KINGSTON
- **STATE:** MA
- **ZIP:** 02364

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 09-30-2025

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** W.H. Cornerstone Investments Inc.<br>**Address:** 13 TREMONT STREET<br>KINGSTON, MA 02364

**Form 13F File Number:** 028-22672

**CRD Number (if applicable):** 000119725

**SEC File Number (if applicable):** 801-117397

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Jim Cullen<br>**Title:** Filing Agent<br>**Phone:** 401-466-6010

**Signature, Place, and Date of Signing:**

Jim Cullen  East Providence, RI  11-05-2025<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 115

**Form 13F Information Table Value Total:** $163974638

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| AFLAC INC | COM | 001055102 |  | 1178696 | 10552 | SH |  | SOLE | 0 | 0 | 0 | 10552 |
| ABBOTT LABS | COM | 002824100 |  | 653283 | 4877 | SH |  | SOLE | 0 | 0 | 0 | 4877 |
| AIR PRODS  CHEMS INC | COM | 009158106 |  | 1301471 | 4772 | SH |  | SOLE | 0 | 0 | 0 | 4772 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 4710256 | 19376 | SH |  | SOLE | 0 | 0 | 0 | 19376 |
| AMAZON COM INC | COM | 023135106 |  | 5135962 | 23391 | SH |  | SOLE | 0 | 0 | 0 | 23391 |
| AMERICAN CENTY ETF TR | REAL ESTATE ETF | 025072356 |  | 200957 | 4518 | SH |  | SOLE | 0 | 0 | 0 | 4518 |
| AMERICAN ELEC PWR CO INC | COM | 025537101 |  | 1344308 | 11949 | SH |  | SOLE | 0 | 0 | 0 | 11949 |
| AMERICAN WTR WKS CO INC NEW | COM | 030420103 |  | 218947 | 1573 | SH |  | SOLE | 0 | 0 | 0 | 1573 |
| AMGEN INC | COM | 031162100 |  | 284159 | 1007 | SH |  | SOLE | 0 | 0 | 0 | 1007 |
| APPLE INC | COM | 037833100 |  | 7183442 | 28211 | SH |  | SOLE | 0 | 0 | 0 | 28211 |
| ATMOS ENERGY CORP | COM | 049560105 |  | 1408440 | 8249 | SH |  | SOLE | 0 | 0 | 0 | 8249 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 479975 | 1635 | SH |  | SOLE | 0 | 0 | 0 | 1635 |
| AUTOZONE INC | COM | 053332102 |  | 1111172 | 259 | SH |  | SOLE | 0 | 0 | 0 | 259 |
| BECTON DICKINSON  CO | COM | 075887109 |  | 663817 | 3547 | SH |  | SOLE | 0 | 0 | 0 | 3547 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 252878 | 503 | SH |  | SOLE | 0 | 0 | 0 | 503 |
| BLACKROCK ETF TRUST | US CARBON TRANS | 09290C509 |  | 277958 | 3830 | SH |  | SOLE | 0 | 0 | 0 | 3830 |
| BLACKROCK INC | COM | 09290D101 |  | 652573 | 560 | SH |  | SOLE | 0 | 0 | 0 | 560 |
| BROADCOM INC | COM | 11135F101 |  | 412161 | 1249 | SH |  | SOLE | 0 | 0 | 0 | 1249 |
| BROWN  BROWN INC | COM | 115236101 |  | 333992 | 3561 | SH |  | SOLE | 0 | 0 | 0 | 3561 |
| CELESTICA INC | COM | 15101Q207 |  | 338773 | 1375 | SH |  | SOLE | 0 | 0 | 0 | 1375 |
| CHURCH  DWIGHT CO INC | COM | 171340102 |  | 355819 | 4060 | SH |  | SOLE | 0 | 0 | 0 | 4060 |
| CISCO SYS INC | COM | 17275R102 |  | 545167 | 7968 | SH |  | SOLE | 0 | 0 | 0 | 7968 |
| CINTAS CORP | COM | 172908105 |  | 355023 | 1730 | SH |  | SOLE | 0 | 0 | 0 | 1730 |
| CLOROX CO DEL | COM | 189054109 |  | 298775 | 2423 | SH |  | SOLE | 0 | 0 | 0 | 2423 |
| COCA COLA CO | COM | 191216100 |  | 390733 | 5892 | SH |  | SOLE | 0 | 0 | 0 | 5892 |
| COMCAST CORP NEW | CL A | 20030N101 |  | 517806 | 16480 | SH |  | SOLE | 0 | 0 | 0 | 16480 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 3736302 | 4036 | SH |  | SOLE | 0 | 0 | 0 | 4036 |
| D R HORTON INC | COM | 23331A109 |  | 263526 | 1555 | SH |  | SOLE | 0 | 0 | 0 | 1555 |
| DIMENSIONAL ETF TRUST | GLOBAL EX US COR | 25434V575 |  | 4556113 | 84435 | SH |  | SOLE | 0 | 0 | 0 | 84435 |
| DIMENSIONAL ETF TRUST | GLOBAL REAL EST | 25434V658 |  | 1389017 | 50861 | SH |  | SOLE | 0 | 0 | 0 | 50861 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS CO | 25434V732 |  | 3143731 | 98027 | SH |  | SOLE | 0 | 0 | 0 | 98027 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP V | 25434V781 |  | 1712298 | 47977 | SH |  | SOLE | 0 | 0 | 0 | 47977 |
| DIMENSIONAL ETF TRUST | US SMALL CAP VAL | 25434V815 |  | 3210877 | 100844 | SH |  | SOLE | 0 | 0 | 0 | 100844 |
| EOG RES INC | COM | 26875P101 |  | 1117246 | 9965 | SH |  | SOLE | 0 | 0 | 0 | 9965 |
| EBAY INC. | COM | 278642103 |  | 252421 | 2775 | SH |  | SOLE | 0 | 0 | 0 | 2775 |
| ECOLAB INC | COM | 278865100 |  | 841940 | 3074 | SH |  | SOLE | 0 | 0 | 0 | 3074 |
| EQUINIX INC | COM | 29444U700 |  | 926011 | 1182 | SH |  | SOLE | 0 | 0 | 0 | 1182 |
| ESSENTIAL UTILS INC | COM | 29670G102 |  | 226758 | 5683 | SH |  | SOLE | 0 | 0 | 0 | 5683 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 1482495 | 13149 | SH |  | SOLE | 0 | 0 | 0 | 13149 |
| META PLATFORMS INC | CL A | 30303M102 |  | 701172 | 955 | SH |  | SOLE | 0 | 0 | 0 | 955 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 1545572 | 1941 | SH |  | SOLE | 0 | 0 | 0 | 1941 |
| HOME DEPOT INC | COM | 437076102 |  | 474191 | 1170 | SH |  | SOLE | 0 | 0 | 0 | 1170 |
| INGREDION INC | COM | 457187102 |  | 970858 | 7951 | SH |  | SOLE | 0 | 0 | 0 | 7951 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 505917 | 1793 | SH |  | SOLE | 0 | 0 | 0 | 1793 |
| INTUIT | COM | 461202103 |  | 546527 | 800 | SH |  | SOLE | 0 | 0 | 0 | 800 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 535278 | 3675 | SH |  | SOLE | 0 | 0 | 0 | 3675 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 285750 | 2569 | SH |  | SOLE | 0 | 0 | 0 | 2569 |
| ISHARES TR | CORE S ETF | 464287200 |  | 2607917 | 3896 | SH |  | SOLE | 0 | 0 | 0 | 3896 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 1294540 | 3542 | SH |  | SOLE | 0 | 0 | 0 | 3542 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 511239 | 4788 | SH |  | SOLE | 0 | 0 | 0 | 4788 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 855265 | 8031 | SH |  | SOLE | 0 | 0 | 0 | 8031 |
| ISHARES TR | ESG MSCI KLD 400 | 464288570 |  | 450130 | 3574 | SH |  | SOLE | 0 | 0 | 0 | 3574 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 |  | 297609 | 2879 | SH |  | SOLE | 0 | 0 | 0 | 2879 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 410229 | 2818 | SH |  | SOLE | 0 | 0 | 0 | 2818 |
| ISHARES TR | CORE INTL AGGR | 46435G672 |  | 323671 | 6318 | SH |  | SOLE | 0 | 0 | 0 | 6318 |
| ISHARES TR | ESG ADV TTL USD | 46436E619 |  | 222927 | 5076 | SH |  | SOLE | 0 | 0 | 0 | 5076 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 583671 | 1850 | SH |  | SOLE | 0 | 0 | 0 | 1850 |
| J P MORGAN EXCHANGE TRADED F | MUNICIPAL ETF | 46641Q647 |  | 384177 | 7612 | SH |  | SOLE | 0 | 0 | 0 | 7612 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 1450290 | 7822 | SH |  | SOLE | 0 | 0 | 0 | 7822 |
| KLA CORP | COM NEW | 482480100 |  | 315008 | 292 | SH |  | SOLE | 0 | 0 | 0 | 292 |
| ELI LILLY  CO | COM | 532457108 |  | 476088 | 624 | SH |  | SOLE | 0 | 0 | 0 | 624 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 289648 | 580 | SH |  | SOLE | 0 | 0 | 0 | 580 |
| LOWES COS INC | COM | 548661107 |  | 593237 | 2361 | SH |  | SOLE | 0 | 0 | 0 | 2361 |
| MARVELL TECHNOLOGY INC | COM | 573874104 |  | 232074 | 2760 | SH |  | SOLE | 0 | 0 | 0 | 2760 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 356118 | 626 | SH |  | SOLE | 0 | 0 | 0 | 626 |
| MICROSOFT CORP | COM | 594918104 |  | 6907254 | 13336 | SH |  | SOLE | 0 | 0 | 0 | 13336 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1464080 | 7847 | SH |  | SOLE | 0 | 0 | 0 | 7847 |
| ORACLE CORP | COM | 68389X105 |  | 624137 | 2219 | SH |  | SOLE | 0 | 0 | 0 | 2219 |
| PPG INDS INC | COM | 693506107 |  | 971381 | 9242 | SH |  | SOLE | 0 | 0 | 0 | 9242 |
| PEPSICO INC | COM | 713448108 |  | 221482 | 1577 | SH |  | SOLE | 0 | 0 | 0 | 1577 |
| PIMCO ETF TR | INTER MUN BD ACT | 72201R866 |  | 1112637 | 21282 | SH |  | SOLE | 0 | 0 | 0 | 21282 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 2253778 | 14668 | SH |  | SOLE | 0 | 0 | 0 | 14668 |
| PUBLIC STORAGE OPER CO | COM | 74460D109 |  | 995002 | 3445 | SH |  | SOLE | 0 | 0 | 0 | 3445 |
| REPUBLIC SVCS INC | COM | 760759100 |  | 768522 | 3349 | SH |  | SOLE | 0 | 0 | 0 | 3349 |
| RESMED INC | COM | 761152107 |  | 222240 | 812 | SH |  | SOLE | 0 | 0 | 0 | 812 |
| S GLOBAL INC | COM | 78409V104 |  | 268000 | 551 | SH |  | SOLE | 0 | 0 | 0 | 551 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 1466909 | 2202 | SH |  | SOLE | 0 | 0 | 0 | 2202 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A854 |  | 1301104 | 16608 | SH |  | SOLE | 0 | 0 | 0 | 16608 |
| SPDR DOW JONES INDL AVERAGE | UT SER 1 | 78467X109 |  | 1726155 | 3722 | SH |  | SOLE | 0 | 0 | 0 | 3722 |
| SALESFORCE INC | COM | 79466L302 |  | 458864 | 1936 | SH |  | SOLE | 0 | 0 | 0 | 1936 |
| SCHWAB CHARLES CORP | COM | 808513105 |  | 258391 | 2707 | SH |  | SOLE | 0 | 0 | 0 | 2707 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 1236500 | 48094 | SH |  | SOLE | 0 | 0 | 0 | 48094 |
| SCHWAB STRATEGIC TR | INT-TRM U.S TRES | 808524854 |  | 5291799 | 210577 | SH |  | SOLE | 0 | 0 | 0 | 210577 |
| SCHWAB STRATEGIC TR | SHT TM US TRES | 808524862 |  | 2838300 | 116324 | SH |  | SOLE | 0 | 0 | 0 | 116324 |
| SELECT SECTOR SPDR TR | ENERGY | 81369Y506 |  | 802185 | 8979 | SH |  | SOLE | 0 | 0 | 0 | 8979 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 236220 | 838 | SH |  | SOLE | 0 | 0 | 0 | 838 |
| SELECT SECTOR SPDR TR | COMMUNICATION | 81369Y852 |  | 234746 | 1983 | SH |  | SOLE | 0 | 0 | 0 | 1983 |
| SELECT SECTOR SPDR TR | RL EST SEL SEC | 81369Y860 |  | 553733 | 13143 | SH |  | SOLE | 0 | 0 | 0 | 13143 |
| SERVICENOW INC | COM | 81762P102 |  | 368112 | 400 | SH |  | SOLE | 0 | 0 | 0 | 400 |
| SHERWIN WILLIAMS CO | COM | 824348106 |  | 901143 | 2603 | SH |  | SOLE | 0 | 0 | 0 | 2603 |
| SYSCO CORP | COM | 871829107 |  | 1056737 | 12834 | SH |  | SOLE | 0 | 0 | 0 | 12834 |
| TJX COS INC NEW | COM | 872540109 |  | 451822 | 3126 | SH |  | SOLE | 0 | 0 | 0 | 3126 |
| T-MOBILE US INC | COM | 872590104 |  | 940774 | 3930 | SH |  | SOLE | 0 | 0 | 0 | 3930 |
| TARGET CORP | COM | 87612E106 |  | 204665 | 2282 | SH |  | SOLE | 0 | 0 | 0 | 2282 |
| TESLA INC | COM | 88160R101 |  | 588809 | 1324 | SH |  | SOLE | 0 | 0 | 0 | 1324 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 |  | 1942394 | 4005 | SH |  | SOLE | 0 | 0 | 0 | 4005 |
| TRACTOR SUPPLY CO | COM | 892356106 |  | 221098 | 3888 | SH |  | SOLE | 0 | 0 | 0 | 3888 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 6081912 | 101501 | SH |  | SOLE | 0 | 0 | 0 | 101501 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 297642 | 5879 | SH |  | SOLE | 0 | 0 | 0 | 5879 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 4460128 | 90176 | SH |  | SOLE | 0 | 0 | 0 | 90176 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 7042133 | 88104 | SH |  | SOLE | 0 | 0 | 0 | 88104 |
| VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 |  | 714649 | 11905 | SH |  | SOLE | 0 | 0 | 0 | 11905 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 6783919 | 80655 | SH |  | SOLE | 0 | 0 | 0 | 80655 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 835403 | 16685 | SH |  | SOLE | 0 | 0 | 0 | 16685 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 210655 | 2304 | SH |  | SOLE | 0 | 0 | 0 | 2304 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 292093 | 1400 | SH |  | SOLE | 0 | 0 | 0 | 1400 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 19327908 | 58896 | SH |  | SOLE | 0 | 0 | 0 | 58896 |
| VISA INC | COM CL A | 92826C839 |  | 1981895 | 5806 | SH |  | SOLE | 0 | 0 | 0 | 5806 |
| WALMART INC | COM | 931142103 |  | 1517895 | 14728 | SH |  | SOLE | 0 | 0 | 0 | 14728 |
| WISDOMTREE TR | ARTIFICIAL INTEL | 97717Y543 |  | 235163 | 8234 | SH |  | SOLE | 0 | 0 | 0 | 8234 |
| ALLEGION PLC | ORD SHS | G0176J109 |  | 969040 | 5464 | SH |  | SOLE | 0 | 0 | 0 | 5464 |
| ACCENTURE PLC IRELAND | SHS CLASS A | G1151C101 |  | 549671 | 2229 | SH |  | SOLE | 0 | 0 | 0 | 2229 |
| EATON CORP PLC | SHS | G29183103 |  | 1222301 | 3266 | SH |  | SOLE | 0 | 0 | 0 | 3266 |
| LINDE PLC | SHS | G54950103 |  | 320078 | 674 | SH |  | SOLE | 0 | 0 | 0 | 674 |
| MEDTRONIC PLC | SHS | G5960L103 |  | 1558799 | 16367 | SH |  | SOLE | 0 | 0 | 0 | 16367 |

---