Cornerstone Financial Management LLC Q4 2025 Filing

Filed February 13, 2026

Portfolio Value

$106.5M

Holdings

1,241

Report Date

Q4 2025

Filing Type

13F-HR

All Holdings (1,241 positions)

#	Stock	Shares	Value	% Portfolio
1	MGKVANGUARD MEGA CAP GROWTH ETF	13,017	$5.4M	5.05%
2	MGVVANGUARD MEGA CAP VALUE ETF	36,977	$5.2M	4.90%
3	VGSHVANGUARD SHORT-TERM TREASURY ETF	85,632	$5.0M	4.72%
4	VGITVANGUARD INTERMEDIATE-TERM TREASURY ETF	83,590	$5.0M	4.70%
5	MGCVANGUARD MEGA CAP ETF	15,938	$4.0M	3.76%
6	VMBSVANGUARD MORTGAGE-BACKED SECURITIES ETF	83,054	$3.9M	3.67%
7	LMBSFIRST TRUST LOW DURATION OPPORTUNITIES ETF	76,355	$3.8M	3.58%
8	SCHXSCHWAB US LARGE-CAP ETF	141,622	$3.8M	3.58%
9	VIGVANGUARD DIVIDEND APPRECIATION ETF	17,080	$3.8M	3.52%
10	EFGISHARES MSCI EAFE GROWTH ETF	21,046	$2.4M	2.25%
11	EFVISHARES MSCI EAFE VALUE ETF	32,507	$2.3M	2.18%
12	TPLCTIMOTHY PLAN US LARGE/MID CAP CORE ETF	45,097	$2.0M	1.92%
13	AAPLAPPLE INC COM	7,481	$2.0M	1.91%
14	VCSHVANGUARD SHORT-TERM CORPORATE BOND ETF	24,812	$2.0M	1.86%
15	VOVANGUARD MID-CAP ETF	6,404	$1.9M	1.74%
16	VCITVANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF	21,727	$1.8M	1.71%
17	VTEBVANGUARD TAX-EXEMPT BOND ETF	30,584	$1.5M	1.44%
18	JPIEJPMORGAN INCOME ETF	32,925	$1.5M	1.43%
19	IVOVVANGUARD S&P MID-CAP 400 VALUE ETF	14,905	$1.5M	1.41%
20	IWPISHARES RUSSELL MID-CAP GROWTH ETF	10,808	$1.5M	1.39%
21	IBDINSPIRE CORPORATE BOND ETF	58,030	$1.4M	1.32%
22	VYMVANGUARD HIGH DIVIDEND YIELD INDEX ETF	9,358	$1.3M	1.26%
23	SPYSPDR S&P 500 ETF TRUST	1,940	$1.3M	1.24%
24	NULGNUVEEN ESG LARGE-CAP GROWTH ETF	13,395	$1.3M	1.23%
25	VWOVANGUARD FTSE EMERGING MARKETS ETF	23,772	$1.3M	1.20%
26	EQINCOLUMBIA US EQUITY INCOME ETF	26,056	$1.2M	1.16%
27	DMXFISHARES ESG ADVANCED MSCI EAFE ETF	15,801	$1.2M	1.11%
28	MSFTMICROSOFT CORP COM	2,393	$1.2M	1.09%
29	OAIMONEASCENT INTERNATIONAL EQUITY ETF	27,596	$1.1M	1.07%
30	MEARISHARES SHORT MATURITY MUNICIPAL BOND ACTIVE ETF	22,612	$1.1M	1.07%
31	IWBISHARES RUSSELL 1000 ETF	2,789	$1.0M	0.98%
32	JPMJPMORGAN CHASE & CO COM	3,175	$1.0M	0.96%
33	VTIVANGUARD TOTAL STOCK MARKET ETF	3,034	$1.0M	0.95%
34	XVVISHARES ESG SELECT SCREENED S&P 500 ETF	19,222	$1.0M	0.95%
35	GOOGLALPHABET INC CAP STK CL A	3,228	$1.0M	0.95%
36	ISMDINSPIRE SMALL/MID CAP ETF	24,687	$952K	0.89%
37	WWJDINSPIRE INTERNATIONAL ETF	25,599	$933K	0.88%
38	STIPISHARES 0-5 YEAR TIPS BOND ETF	8,969	$918K	0.86%
39	PRXGPRAXIS IMPACT LARGE CAP GROWTH ETF	20,601	$752K	0.71%
40	IVVISHARES CORE S&P 500 ETF	1,088	$745K	0.70%
41	VTESVANGUARD SHORT-TERM TAX EXEMPT BOND ETF	6,545	$664K	0.62%
42	ITOTISHARES CORE S&P TOTAL US STOCK MARKET ETF	4,000	$594K	0.56%
43	AMZNAMAZON COM INC COM	2,561	$591K	0.55%
44	FESMFIDELITY ENHANCED SMALL CAP ETF	14,630	$552K	0.52%
45	NVDANVIDIA CORPORATION COM	2,833	$528K	0.50%
46	VUGVANGUARD GROWTH ETF	954	$465K	0.44%
47	AVGOBROADCOM INC COM	1,229	$425K	0.40%
48	BRK/BBERKSHIRE HATHAWAY INC DEL CL B NEW	807	$405K	0.38%
49	NUMVNUVEEN ESG MID-CAP VALUE ETF	10,278	$401K	0.38%
50	ESMLISHARES ESG AWARE MSCI USA SMALL-CAP ETF	8,504	$391K	0.37%
51	VYMIVANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF	4,320	$388K	0.36%
52	VTWGVANGUARD RUSSELL 2000 GROWTH ETF	1,600	$377K	0.35%
53	AQLTISHARES CORE MSCI EAFE ETF	4,168	$372K	0.35%
54	SUSCISHARES ESG AWARE USD CORPORATE BOND ETF	15,831	$370K	0.35%
55	DGROISHARES CORE DIVIDEND GROWTH ETF	5,310	$368K	0.35%
56	IJHISHARES CORE S&P MID-CAP ETF	5,486	$362K	0.34%
57	SUSBISHARES ESG AWARE 1-5 YEAR USD CORPORATE BOND ETF	13,949	$352K	0.33%
58	KOCOCA COLA CO COM	4,941	$345K	0.32%
59	IWFISHARES RUSSELL 1000 GROWTH ETF	691	$327K	0.31%
60	SCZISHARES MSCI EAFE SMALL-CAP ETF	4,199	$325K	0.31%
61	DRIDARDEN RESTAURANTS INC COM	1,762	$324K	0.30%
62	MAMASTERCARD INCORPORATED CL A	566	$323K	0.30%
63	VTWVVANGUARD RUSSELL 2000 VALUE ETF	1,988	$317K	0.30%
64	LLYELI LILLY & CO COM	291	$312K	0.29%
65	UNHUNITEDHEALTH GROUP INC COM	932	$307K	0.29%
66	ESGEISHARES ESG AWARE MSCI EM ETF	6,939	$306K	0.29%
67	JNJJOHNSON & JOHNSON COM	1,384	$286K	0.27%
68	VTVANGUARD TOTAL WORLD STOCK ETF	1,950	$275K	0.26%
69	HDHOME DEPOT INC COM	790	$271K	0.25%
70	TFLOISHARES TREASURY FLOATING RATE BOND ETF	5,287	$266K	0.25%
71	WMTWALMART INC COM	2,388	$266K	0.25%
72	IJRISHARES CORE S&P SMALL CAP ETF	2,205	$264K	0.25%
73	WELLWELLTOWER INC COM	1,274	$236K	0.22%
74	VBRVANGUARD SMALL CAP VALUE ETF	1,096	$232K	0.22%
75	IUSGISHARES CORE S&P US GROWTH ETF	1,350	$226K	0.21%
76	METAMETA PLATFORMS INC CL A	334	$220K	0.21%
77	CSCOCISCO SYS INC COM	2,782	$214K	0.20%
78	IWCISHARES MICRO-CAP ETF	1,328	$209K	0.20%
79	VOOVANGUARD S&P 500 ETF	270	$169K	0.16%
80	LMTLOCKHEED MARTIN CORP COM	349	$168K	0.16%
81	GISGENERAL MLS INC COM	3,622	$168K	0.16%
82	VVISA INC COM CL A	456	$159K	0.15%
83	SUBISHARES SHORT-TERM NATIONAL MUNI BOND ETF	1,483	$158K	0.15%
84	VBKVANGUARD SMALL-CAP GROWTH ETF	510	$154K	0.14%
85	NEENEXTERA ENERGY INC COM	1,860	$149K	0.14%
86	VTVVANGUARD VALUE ETF	785	$149K	0.14%
87	FTECFIDELITY MSCI INFORMATION TECHNOLOGY INDEX ETF	643	$144K	0.14%
88	AQLTISHARES SELECT DIVIDEND ETF	1,000	$141K	0.13%
89	AMGNAMGEN INC COM	423	$138K	0.13%
90	TSMTAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS	419	$127K	0.12%
91	CVXCHEVRON CORP NEW COM	831	$126K	0.12%
92	JMSTJPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF	2,450	$124K	0.12%
93	OREALTY INCOME CORP COM	2,150	$121K	0.11%
94	XBXMXNUVEEN S&P 500 BUY-WRITE INCOM COM	8,000	$117K	0.11%
95	NVSNNOVARTIS AG SPONSORED ADR	855	$117K	0.11%
96	RTXRTX CORPORATION COM	638	$117K	0.11%
97	VIOVVANGUARD S&P SMALL-CAP 600 VALUE ETF	1,180	$115K	0.11%
98	VVVANGUARD LARGE-CAP ETF	365	$114K	0.11%
99	TSLATESLA INC COM	251	$112K	0.11%
100	PEPPEPSICO INC COM	767	$110K	0.10%

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