# EDGAR Filing Document

**Accession Number:** 0002011149
**File Stem:** 0001172661-25-003401
**Filing Date:** 2025-8
**Character Count:** 14698
**Document Hash:** 55fc6bc2a8e849e57aee1ed83bd710bb
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001172661-25-003401.hdr.sgml**: 20250814

**ACCESSION NUMBER**: 0001172661-25-003401

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250814

**DATE AS OF CHANGE**: 20250814

**EFFECTIVENESS DATE**: 20250814

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Sterling Wealth Management, Inc.
- **CENTRAL INDEX KEY:** 0002011149

**ORGANIZATION NAME:**
- **EIN:** 320122653
- **STATE OF INCORPORATION:** IL
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-23890
- **FILM NUMBER:** 251216460

**BUSINESS ADDRESS:**
- **STREET 1:** 301 N. NEIL ST.
- **STREET 2:** SUITE 203
- **CITY:** CHAMPAIGN
- **STATE:** IL
- **ZIP:** 61820
- **BUSINESS PHONE:** 217-398-1900

**MAIL ADDRESS:**
- **STREET 1:** 301 N. NEIL ST.
- **STREET 2:** SUITE 203
- **CITY:** CHAMPAIGN
- **STATE:** IL
- **ZIP:** 61820

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 06-30-2025

**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:** Sterling Wealth Management Inc.<br>**Address:** 301 N. Neil St.<br>Suite 203<br>Champaign, IL 61820

**Form 13F File Number:** 028-23890

**CRD Number (if applicable):** 000131304

**SEC File Number (if applicable):** 801-112948

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:** Sharon Allen<br>**Title:** CEO/CCO<br>**Phone:** 2173981900

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

/s/ Sharon Allen  Champaign, IL  08-14-2025<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:** 110

**Form 13F Information Table Value Total:** $293451707

      (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 |
| 3M CO | COM | 88579Y101 |  | 276925 | 1819 | SH |  | SOLE |  | 0 | 0 | 1819 |
| ABBOTT LABS | COM | 002824100 |  | 382035 | 2809 | SH |  | SOLE |  | 0 | 0 | 2809 |
| ABBVIE INC | COM | 00287Y109 |  | 534627 | 2880 | SH |  | SOLE |  | 0 | 0 | 2880 |
| ALLSTATE CORP | COM | 020002101 |  | 211979 | 1053 | SH |  | SOLE |  | 0 | 0 | 1053 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 603588 | 3425 | SH |  | SOLE |  | 0 | 0 | 3425 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 502368 | 2832 | SH |  | SOLE |  | 0 | 0 | 2832 |
| AMAZON COM INC | COM | 023135106 |  | 398193 | 1815 | SH |  | SOLE |  | 0 | 0 | 1815 |
| AMERICAN ELEC PWR CO INC | COM | 025537101 |  | 405702 | 3910 | SH |  | SOLE |  | 0 | 0 | 3910 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 1638281 | 5136 | SH |  | SOLE |  | 0 | 0 | 5136 |
| AMERIPRISE FINL INC | COM | 03076C106 |  | 545472 | 1022 | SH |  | SOLE |  | 0 | 0 | 1022 |
| AMGEN INC | COM | 031162100 |  | 226160 | 810 | SH |  | SOLE |  | 0 | 0 | 810 |
| APPLE INC | COM | 037833100 |  | 2202157 | 10733 | SH |  | SOLE |  | 0 | 0 | 10733 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 270775 | 878 | SH |  | SOLE |  | 0 | 0 | 878 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 740799 | 1525 | SH |  | SOLE |  | 0 | 0 | 1525 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 |  | 388466 | 8392 | SH |  | SOLE |  | 0 | 0 | 8392 |
| CATERPILLAR INC | COM | 149123101 |  | 769432 | 1982 | SH |  | SOLE |  | 0 | 0 | 1982 |
| CHEVRON CORP NEW | COM | 166764100 |  | 318741 | 2226 | SH |  | SOLE |  | 0 | 0 | 2226 |
| CISCO SYS INC | COM | 17275R102 |  | 965770 | 13920 | SH |  | SOLE |  | 0 | 0 | 13920 |
| COCA COLA CO | COM | 191216100 |  | 362099 | 5118 | SH |  | SOLE |  | 0 | 0 | 5118 |
| COMCAST CORP NEW | CL A | 20030N101 |  | 1208856 | 33871 | SH |  | SOLE |  | 0 | 0 | 33871 |
| CONSTELLATION ENERGY CORP | COM | 21037T109 |  | 303072 | 939 | SH |  | SOLE |  | 0 | 0 | 939 |
| CUMMINS INC | COM | 231021106 |  | 363198 | 1109 | SH |  | SOLE |  | 0 | 0 | 1109 |
| CVS HEALTH CORP | COM | 126650100 |  | 301443 | 4370 | SH |  | SOLE |  | 0 | 0 | 4370 |
| DEERE  CO | COM | 244199105 |  | 845110 | 1662 | SH |  | SOLE |  | 0 | 0 | 1662 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 |  | 202697 | 6520 | SH |  | SOLE |  | 0 | 0 | 6520 |
| DIMENSIONAL ETF TRUST | US HIGH PROFITAB | 25434V831 |  | 16272456 | 457606 | SH |  | SOLE |  | 0 | 0 | 457606 |
| DIMENSIONAL ETF TRUST | US EQUITY MARKET | 25434V401 |  | 3273397 | 48842 | SH |  | SOLE |  | 0 | 0 | 48842 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 |  | 11904594 | 411212 | SH |  | SOLE |  | 0 | 0 | 411212 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 866217 | 25057 | SH |  | SOLE |  | 0 | 0 | 25057 |
| DIMENSIONAL ETF TRUST | CORE FIXED INCOM | 25434V872 |  | 14759274 | 349249 | SH |  | SOLE |  | 0 | 0 | 349249 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 16144868 | 299201 | SH |  | SOLE |  | 0 | 0 | 299201 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 10943511 | 171771 | SH |  | SOLE |  | 0 | 0 | 171771 |
| DIMENSIONAL ETF TRUST | ULTRASHORT FIXED | 25434V591 |  | 23369167 | 460476 | SH |  | SOLE |  | 0 | 0 | 460476 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP V | 25434V781 |  | 3002916 | 91246 | SH |  | SOLE |  | 0 | 0 | 91246 |
| DIMENSIONAL ETF TRUST | US LARGE CAP VAL | 25434V666 |  | 8930240 | 287887 | SH |  | SOLE |  | 0 | 0 | 287887 |
| DIMENSIONAL ETF TRUST | GLOBAL REAL EST | 25434V658 |  | 2115225 | 78838 | SH |  | SOLE |  | 0 | 0 | 78838 |
| DIMENSIONAL ETF TRUST | GLOBAL EX US COR | 25434V575 |  | 3831228 | 71800 | SH |  | SOLE |  | 0 | 0 | 71800 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 9957822 | 277841 | SH |  | SOLE |  | 0 | 0 | 277841 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 4462828 | 104199 | SH |  | SOLE |  | 0 | 0 | 104199 |
| DIMENSIONAL ETF TRUST | US SUSTAINABILTY | 25434V716 |  | 202850 | 5168 | SH |  | SOLE |  | 0 | 0 | 5168 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP E | 25434V773 |  | 2472871 | 82871 | SH |  | SOLE |  | 0 | 0 | 82871 |
| DIMENSIONAL ETF TRUST | SHORT DURATION F | 25434V864 |  | 10243386 | 213359 | SH |  | SOLE |  | 0 | 0 | 213359 |
| DIMENSIONAL ETF TRUST | NATL MUN BD ETF | 25434V849 |  | 595437 | 12554 | SH |  | SOLE |  | 0 | 0 | 12554 |
| DIMENSIONAL ETF TRUST | WORLD EQUITY ETF | 25434V617 |  | 1206625 | 17988 | SH |  | SOLE |  | 0 | 0 | 17988 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 12652509 | 299255 | SH |  | SOLE |  | 0 | 0 | 299255 |
| DISNEY WALT CO | COM | 254687106 |  | 360249 | 2905 | SH |  | SOLE |  | 0 | 0 | 2905 |
| ELI LILLY  CO | COM | 532457108 |  | 1108518 | 1422 | SH |  | SOLE |  | 0 | 0 | 1422 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 1157556 | 10738 | SH |  | SOLE |  | 0 | 0 | 10738 |
| GE AEROSPACE | COM NEW | 369604301 |  | 455253 | 1769 | SH |  | SOLE |  | 0 | 0 | 1769 |
| GE VERNOVA INC | COM | 36828A101 |  | 233884 | 442 | SH |  | SOLE |  | 0 | 0 | 442 |
| GORMAN RUPP CO | COM | 383082104 |  | 346453 | 9435 | SH |  | SOLE |  | 0 | 0 | 9435 |
| HOME DEPOT INC | COM | 437076102 |  | 478465 | 1305 | SH |  | SOLE |  | 0 | 0 | 1305 |
| HONEYWELL INTL INC | COM | 438516106 |  | 513966 | 2207 | SH |  | SOLE |  | 0 | 0 | 2207 |
| HOWMET AEROSPACE INC | COM | 443201108 |  | 208093 | 1118 | SH |  | SOLE |  | 0 | 0 | 1118 |
| HUBBELL INC | COM | 443510607 |  | 5958702 | 14590 | SH |  | SOLE |  | 0 | 0 | 14590 |
| HUNTINGTON BANCSHARES INC | COM | 446150104 |  | 168857 | 10075 | SH |  | SOLE |  | 0 | 0 | 10075 |
| ILLINOIS TOOL WKS INC | COM | 452308109 |  | 424528 | 1717 | SH |  | SOLE |  | 0 | 0 | 1717 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 207230 | 703 | SH |  | SOLE |  | 0 | 0 | 703 |
| INVESTORS TITLE CO NC | COM | 461804106 |  | 273845 | 1296 | SH |  | SOLE |  | 0 | 0 | 1296 |
| ISHARES TR | CORE S ETF | 464287200 |  | 1563122 | 2518 | SH |  | SOLE |  | 0 | 0 | 2518 |
| ISHARES TR | SELECT DIVID ETF | 464287168 |  | 260440 | 1961 | SH |  | SOLE |  | 0 | 0 | 1961 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 285345 | 2113 | SH |  | SOLE |  | 0 | 0 | 2113 |
| ISHARES TR | IBOXX HI YD ETF | 464288513 |  | 580519 | 7198 | SH |  | SOLE |  | 0 | 0 | 7198 |
| ISHARES TR | MSCI INTL QUALTY | 46434V456 |  | 272507 | 6305 | SH |  | SOLE |  | 0 | 0 | 6305 |
| ISHARES TR | CORE S US VLU | 464287663 |  | 2529229 | 26728 | SH |  | SOLE |  | 0 | 0 | 26728 |
| ISHARES TR | SP SMCP600VL ETF | 464287879 |  | 255010 | 2563 | SH |  | SOLE |  | 0 | 0 | 2563 |
| ISHARES TR | GLOBAL REIT ETF | 46434V647 |  | 909905 | 36838 | SH |  | SOLE |  | 0 | 0 | 36838 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 222905 | 525 | SH |  | SOLE |  | 0 | 0 | 525 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 261889 | 2396 | SH |  | SOLE |  | 0 | 0 | 2396 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 200091 | 3226 | SH |  | SOLE |  | 0 | 0 | 3226 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 2533997 | 39918 | SH |  | SOLE |  | 0 | 0 | 39918 |
| JOHN HANCOCK EXCHANGE TRADED | MULTIFACTOR MI | 47804J206 |  | 332547 | 5440 | SH |  | SOLE |  | 0 | 0 | 5440 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 888392 | 5816 | SH |  | SOLE |  | 0 | 0 | 5816 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 1908767 | 6584 | SH |  | SOLE |  | 0 | 0 | 6584 |
| LINCOLN ELEC HLDGS INC | COM | 533900106 |  | 431433 | 2081 | SH |  | SOLE |  | 0 | 0 | 2081 |
| MARSH  MCLENNAN COS INC | COM | 571748102 |  | 616128 | 2818 | SH |  | SOLE |  | 0 | 0 | 2818 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 244444 | 435 | SH |  | SOLE |  | 0 | 0 | 435 |
| MCDONALDS CORP | COM | 580135101 |  | 3584342 | 12268 | SH |  | SOLE |  | 0 | 0 | 12268 |
| MERCK  CO INC | COM | 58933Y105 |  | 271519 | 3430 | SH |  | SOLE |  | 0 | 0 | 3430 |
| META PLATFORMS INC | CL A | 30303M102 |  | 239906 | 325 | SH |  | SOLE |  | 0 | 0 | 325 |
| MICROSOFT CORP | COM | 594918104 |  | 2535901 | 5098 | SH |  | SOLE |  | 0 | 0 | 5098 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 439212 | 2780 | SH |  | SOLE |  | 0 | 0 | 2780 |
| ORACLE CORP | COM | 68389X105 |  | 253611 | 1160 | SH |  | SOLE |  | 0 | 0 | 1160 |
| PEPSICO INC | COM | 713448108 |  | 1132243 | 8575 | SH |  | SOLE |  | 0 | 0 | 8575 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 226934 | 1246 | SH |  | SOLE |  | 0 | 0 | 1246 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 1644820 | 10324 | SH |  | SOLE |  | 0 | 0 | 10324 |
| QUALCOMM INC | COM | 747525103 |  | 494025 | 3102 | SH |  | SOLE |  | 0 | 0 | 3102 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 546628 | 22939 | SH |  | SOLE |  | 0 | 0 | 22939 |
| SHERWIN WILLIAMS CO | COM | 824348106 |  | 1136522 | 3310 | SH |  | SOLE |  | 0 | 0 | 3310 |
| SOUTHERN CO | COM | 842587107 |  | 202577 | 2206 | SH |  | SOLE |  | 0 | 0 | 2206 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 1365431 | 33723 | SH |  | SOLE |  | 0 | 0 | 33723 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 339561 | 7945 | SH |  | SOLE |  | 0 | 0 | 7945 |
| SPDR SERIES TRUST | PORTFOLIO S | 78468R853 |  | 339735 | 7975 | SH |  | SOLE |  | 0 | 0 | 7975 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 229700 | 2970 | SH |  | SOLE |  | 0 | 0 | 2970 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 217454 | 2763 | SH |  | SOLE |  | 0 | 0 | 2763 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 242252 | 849 | SH |  | SOLE |  | 0 | 0 | 849 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 1742702 | 3975 | SH |  | SOLE |  | 0 | 0 | 3975 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 337299 | 1908 | SH |  | SOLE |  | 0 | 0 | 1908 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 34425625 | 113268 | SH |  | SOLE |  | 0 | 0 | 113268 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 3725444 | 41831 | SH |  | SOLE |  | 0 | 0 | 41831 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 7430883 | 38105 | SH |  | SOLE |  | 0 | 0 | 38105 |
| VANGUARD INTL EQUITY INDEX F | FTSE SMCAP ETF | 922042718 |  | 254074 | 1891 | SH |  | SOLE |  | 0 | 0 | 1891 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 9768621 | 197505 | SH |  | SOLE |  | 0 | 0 | 197505 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 356056 | 7262 | SH |  | SOLE |  | 0 | 0 | 7262 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 4551530 | 65878 | SH |  | SOLE |  | 0 | 0 | 65878 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 14778562 | 259228 | SH |  | SOLE |  | 0 | 0 | 259228 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 795461 | 5967 | SH |  | SOLE |  | 0 | 0 | 5967 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 447051 | 674 | SH |  | SOLE |  | 0 | 0 | 674 |
| VANGUARD WORLD FD | ESG US STK ETF | 921910733 |  | 526654 | 4803 | SH |  | SOLE |  | 0 | 0 | 4803 |
| YUM BRANDS INC | COM | 988498101 |  | 501737 | 3386 | SH |  | SOLE |  | 0 | 0 | 3386 |

---