Sterling Investment Advisors, Ltd. Q4 2025 Filing

Filed February 9, 2026

Portfolio Value

$542.9M

Holdings

211

Report Date

Q4 2025

Filing Type

13F-HR

All Holdings (211 positions)

#	Stock	Shares	Value	% Portfolio
101	VTIVanguard Total Stock Market Index ETF	2,797	$937K	0.17%
102	AVGOBroadcom, Inc.	2,701	$934K	0.17%
103	VIGVanguard Dividend Appreciation ETF	4,145	$910K	0.17%
104	TJXThe TJX Companies, Inc.	5,525	$848K	0.16%
105	JMUBJP Morgan Municipal ETF	16,000	$808K	0.15%
106	MIGAStrategy, Inc.	5,310	$806K	0.15%
107	NFLXNetflix, Inc.	8,323	$780K	0.14%
108	BIBLInspire 100 ETF	17,200	$776K	0.14%
109	IVViShares Core S&P 500 ETF	1,129	$773K	0.14%
110	ENBEnbridge, Inc.	16,070	$768K	0.14%
111	AMDAdvanced Micro Devices, Inc.	3,573	$765K	0.14%
112	PTLInspire 500 ETF	3,075	$763K	0.14%
113	AURAurora Innovation, Inc.	198,950	$763K	0.14%
114	PSAPublic Storage	2,903	$753K	0.14%
115	SBIOAlps Medical Breakthrough ETF	14,675	$751K	0.14%
116	FEXFirst Trust Large Cap Core AlphaDEX ETF	6,314	$748K	0.14%
117	XLEEnergy Select Sector SPDR ETF	16,675	$745K	0.14%
118	IDXXIDEXX Laboratories, Inc.	1,100	$744K	0.14%
119	CMCSAComcast Corp. A	23,477	$701K	0.13%
120	LRCXEURLam Research Corp.	4,060	$694K	0.13%
121	AXPAmerican Express Co.	1,873	$692K	0.13%
122	ETHAiShares Ethereum Trust	30,625	$686K	0.13%
123	IJHiShares S&P Mid Cap 400 Index ETF	10,295	$679K	0.13%
124	VWOVanguard Emerging Markets Stock Index ETF	12,228	$657K	0.12%
125	VOOVanguard S&P 500 ETF	1,033	$647K	0.12%
126	FSLRFirst Solar Inc	2,410	$629K	0.12%
127	IBDXiShares iBonds Dec 2032 Term Corp. ETF	24,575	$627K	0.12%
128	VUGVanguard Growth Index ETF	1,268	$618K	0.11%
129	IBDYiShares iBonds Dec 2033 Term Corp. ETF	22,765	$595K	0.11%
130	IBMIBM Corp.	1,994	$590K	0.11%
131	VERXVertex, Inc.	29,470	$588K	0.11%
132	DISWalt Disney Co.	5,143	$585K	0.11%
133	ITBiShares U.S. Home Construction ETF	5,970	$574K	0.11%
134	JPSTJPMorgan Ultra-Short Income ETF	11,350	$574K	0.11%
135	WWJDInspire International ETF	15,600	$569K	0.10%
136	UNHUnitedHealth Group, Inc.	1,686	$556K	0.10%
137	ISMDInspire Small/Mid Cap ETF	14,300	$551K	0.10%
138	MMM3M Company	3,300	$528K	0.10%
139	XARSPDR Aerospace & Defense ETF	2,140	$516K	0.10%
140	VTVanguard Total World Stock Index ETF	3,656	$515K	0.09%
141	APDAir Products & Chemicals, Inc.	2,077	$513K	0.09%
142	SCHFSchwab International Equity ETF	21,086	$506K	0.09%
143	SCHDSchwab U.S. Dividend Equity ETF	18,328	$502K	0.09%
144	JAAAJanus Henderson AAA CLO ETF	9,890	$500K	0.09%
145	INTCIntel Corp.	13,451	$496K	0.09%
146	BLESInspire Global Hope ETF	11,475	$495K	0.09%
147	COPConocoPhillips, Inc.	5,270	$493K	0.09%
148	BNDVanguard Total Bond Market Index ETF	6,550	$485K	0.09%
149	ICFiShares Cohen & Steers REIT ETF	7,370	$439K	0.08%
150	WMWaste Management, Inc.	1,888	$414K	0.08%
151	IBDWiShares iBonds Dec 2031 Term Corp. ETF	19,385	$409K	0.08%
152	NETCloudflare, Inc.	2,018	$397K	0.07%
153	DSIiShares MSCI Kld Social Index ETF	3,000	$386K	0.07%
154	MOAltria Group, Inc.	6,629	$382K	0.07%
155	CEGConstellation Energy Group, Inc.	1,068	$377K	0.07%
156	PWRQuanta Services, Inc.	895	$377K	0.07%
157	VTVVanguard Value Index ETF	1,919	$366K	0.07%
158	TSPAT Rowe Price US Equity Research ETF	8,500	$363K	0.07%
159	IAUUSDiShares Gold TRUST	4,352	$353K	0.07%
160	CGCPCapital Group Core Plus Income ETF	15,571	$352K	0.06%
161	ALABAstera Labs, Inc.	2,025	$336K	0.06%
162	BACBank of America Corp.	6,017	$330K	0.06%
163	VEAVanguard Developed Markets Index ETF	5,197	$324K	0.06%
164	CATHGlobal X S&P 500 Catholic Values ETF	3,860	$317K	0.06%
165	SKYYFirst Trust Cloud Computing ETF	2,430	$316K	0.06%
166	BAThe Boeing Company	1,460	$316K	0.06%
167	PSPInvesco Global Listed Private Equity ETF	4,700	$315K	0.06%
168	PSXPhillips 66	2,424	$312K	0.06%
169	CRMSalesforce, Inc.	1,133	$300K	0.06%
170	BXSLBlackstone Secured Lending Fund	11,240	$295K	0.05%
171	DBEFDeutsch X-Trackers MSCI EAFE ETF	6,088	$292K	0.05%
172	CHKPCheck Point Software Technologies, Ltd.	1,545	$286K	0.05%
173	FDIGFidelity Crypto Industry & Digital Payments ETF	7,185	$276K	0.05%
174	ULUnilever PLC ADR	4,197	$274K	0.05%
175	GMEGamestop Corp Cl A New	13,683	$274K	0.05%
176	ADBEAdobe, Inc.	779	$272K	0.05%
177	IBDZiShares iBonds Dec 2034 Term Corp. ETF	10,115	$266K	0.05%
178	—First Resource Bank	13,511	$266K	0.05%
179	4I1Philip Morris International, Inc.	1,650	$264K	0.05%
180	FDXFedEx Corp.	874	$252K	0.05%
181	VCRMVanguard Core Tax Exempt Bond	3,265	$246K	0.05%
182	BSVVanguard Short-Term Bond Index ETF	3,104	$244K	0.04%
183	SCHXSchwab U.S. Large-Cap ETF	9,033	$243K	0.04%
184	MAMastercard, Inc.	426	$243K	0.04%
185	VBVanguard Small Cap Index ETF	933	$240K	0.04%
186	IMNMImmunome, Inc.	11,065	$237K	0.04%
187	BABAAlibaba Group Holding, Ltd.	1,617	$237K	0.04%
188	NOCNorthrop Grumman Corp.	417	$237K	0.04%
189	FQIDigital Realty Trust, Inc.	1,538	$237K	0.04%
190	SCHBSchwab U.S. Broad Market ETF	9,005	$236K	0.04%
191	ZTSZoetis, Inc.	1,800	$226K	0.04%
192	IWMiShares Russell 2000 ETF	916	$225K	0.04%
193	GQ9SPDR Gold Trust ETF	569	$225K	0.04%
194	IWYiShares Russell Top 200 Growth ETF	810	$224K	0.04%
195	WELLWelltower, Inc.	1,200	$222K	0.04%
196	IBDViShares iBonds Dec 2030 Term Corp. ETF	9,660	$213K	0.04%
197	EFAiShares Core MSCI EAFE ETF	2,386	$213K	0.04%
198	TELTE Connectivity, Ltd.	934	$212K	0.04%
199	DOCNDigitalOcean Holdings, Inc.	4,400	$211K	0.04%
200	TCAFT Rowe Price Capital Appreciation	5,500	$210K	0.04%

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