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
1	AAPLApple, Inc.	134,825	$36.7M	6.75%
2	JFLXJPMorgan Flexible Debt ETF	413,979	$20.8M	3.83%
3	GOOGLAlphabet, Inc. A	55,294	$17.3M	3.19%
4	AMZNAmazon.com, Inc.	72,553	$16.7M	3.08%
5	NVDANvidia Corp.	80,792	$15.1M	2.78%
6	GDXVanEck Gold Miners ETF	149,888	$12.9M	2.37%
7	MSFTMicrosoft Corp.	26,117	$12.6M	2.33%
8	GMEDGlobus Medical, Inc.	144,023	$12.6M	2.32%
9	KMIKinder Morgan, Inc.	448,929	$12.3M	2.27%
10	CRWDCrowdStrike Holdings, Inc.	23,072	$10.8M	1.99%
11	GQ9SPDR Gold MiniShares ETF	126,458	$10.8M	1.99%
12	AQLTiShares Select Dividend ETF	71,467	$10.1M	1.86%
13	GSGoldman Sachs Group, Inc.	11,326	$10.0M	1.83%
14	SPSMiShares Core S&P Small-Cap ETF	81,705	$9.8M	1.81%
15	COSTCostco Wholesale Corp.	9,495	$8.2M	1.51%
16	JPMJ.P. Morgan Chase & Co.	24,392	$7.9M	1.45%
17	JEPIJPMorgan Equity Premium Income ETF	131,429	$7.5M	1.39%
18	VVisa, Inc.	21,439	$7.5M	1.38%
19	LMTLockheed Martin Corp.	15,150	$7.3M	1.35%
20	KKRKKR & Co.	56,506	$7.2M	1.33%
21	HDThe Home Depot, Inc.	20,387	$7.0M	1.29%
22	UTGReaves Utility Income Fund	189,328	$6.9M	1.28%
23	METAMeta Platforms, Inc.	9,438	$6.2M	1.15%
24	AMLPUSDAlerian MLP ETF	125,620	$5.9M	1.09%
25	GOOGAlphabet, Inc. C	18,679	$5.9M	1.08%
26	WMTWalmart, Inc.	49,377	$5.5M	1.01%
27	JNJJohnson & Johnson	26,524	$5.5M	1.01%
28	HOLAJPMorgan International Hedged Equity ETF	98,677	$5.2M	0.95%
29	TSLATesla, Inc.	11,006	$4.9M	0.91%
30	BINCiShares Flexible Income Active ETF	92,800	$4.9M	0.90%
31	MOATVanEck Morningstar Wide Moat ETF	47,149	$4.9M	0.90%
32	CWBSPDR Bloomberg Convertible Securities ETF	54,257	$4.8M	0.89%
33	CVXChevron Corp.	31,559	$4.8M	0.89%
34	BIZDVanEck BDC Income ETF	337,425	$4.8M	0.88%
35	HRTSTema Heart & Health ETF	134,560	$4.7M	0.87%
36	BRK/BBerkshire Hathaway, Inc. B	9,431	$4.7M	0.87%
37	XOMExxon Mobil Corp.	39,292	$4.7M	0.87%
38	SHOPShopify, Inc.	29,042	$4.7M	0.86%
39	MUBiShares S&P National Muni Bond ETF	43,029	$4.6M	0.85%
40	TFCTruist Financial Corp.	92,796	$4.6M	0.84%
41	BOTZGlobal X Robotics & A.I. ETF	121,980	$4.4M	0.81%
42	AMGNAmgen, Inc.	13,259	$4.3M	0.80%
43	PLTRPalantir Technologies, Inc.	23,053	$4.1M	0.75%
44	—Invesco S&P 500 Equal Weight ETF	20,452	$3.9M	0.72%
45	CAHCardinal Health, Inc.	18,025	$3.7M	0.68%
46	VRTVertiv Holdings Co.	22,476	$3.6M	0.67%
47	DEDeere & Co.	7,763	$3.6M	0.67%
48	BLKCHFBlackRock, Inc.	3,315	$3.5M	0.65%
49	VPUVanguard Utilities ETF	18,982	$3.5M	0.65%
50	NLRVanEck Uranium & Nuclear ETF	26,400	$3.3M	0.60%
51	HONHoneywell International, Inc.	16,475	$3.2M	0.59%
52	SCHWThe Charles Schwab Corp.	31,571	$3.2M	0.58%
53	OHIOmega Healthcare Investors, Inc.	69,855	$3.1M	0.57%
54	CMICummins, Inc.	5,980	$3.1M	0.56%
55	LOWLowe's Companies, Inc.	12,480	$3.0M	0.55%
56	BXBlackstone Group, Inc.	19,424	$3.0M	0.55%
57	REMXVanEck Rare Earth & Strategic Metals ETF	40,510	$3.0M	0.55%
58	PFFiShares US Preferred Stock ETF	93,771	$2.9M	0.53%
59	MOSThe Mosaic Co.	120,262	$2.9M	0.53%
60	PGProcter & Gamble Co.	19,534	$2.8M	0.52%
61	MRKMerck & Co.	26,383	$2.8M	0.51%
62	REGNRegeneron Pharmaceuticals, Inc.	3,352	$2.6M	0.48%
63	ZSZscaler, Inc.	11,030	$2.5M	0.46%
64	MDYSPDR S&P MidCap 400 ETF	4,098	$2.5M	0.46%
65	PFEPfizer, Inc.	97,560	$2.4M	0.45%
66	LLYEli Lilly & Co.	2,215	$2.4M	0.44%
67	ETNEaton Corp.	7,259	$2.3M	0.43%
68	SPMDSPDR Mid Cap ETF	39,098	$2.3M	0.42%
69	SPYSPDR S&P 500 ETF	3,238	$2.2M	0.41%
70	MDTMedtronic plc	22,750	$2.2M	0.40%
71	ORCLOracle Corp.	10,996	$2.1M	0.39%
72	AMTAmerican Tower Corp.	11,356	$2.0M	0.37%
73	MUNIPIMCO Intermediate Muni Bond Active ETF	36,200	$1.9M	0.35%
74	EMREmerson Electric Co.	14,036	$1.9M	0.34%
75	IBITiShares Bitcoin Trust ETF	36,386	$1.8M	0.33%
76	MCDMcDonald's Corp.	5,799	$1.8M	0.33%
77	PEPPepsiCo, Inc.	12,151	$1.7M	0.32%
78	CSCOCisco Systems, Inc.	22,587	$1.7M	0.32%
79	QQQInvesco QQQ ETF	2,756	$1.7M	0.31%
80	MINOPIMCO Municipal Income Opportunities Active ETF	37,015	$1.7M	0.31%
81	PAYXPaychex, Inc.	14,852	$1.7M	0.31%
82	SMHVanEck Semiconductor ETF	4,241	$1.5M	0.28%
83	ABTAbbott Laboratories	12,156	$1.5M	0.28%
84	KOCoca-Cola Co.	20,679	$1.4M	0.27%
85	JBNDJPMorgan Active Bond ETF	24,410	$1.3M	0.24%
86	JCPBJPMorgan Core Plus Bond ETF	27,020	$1.3M	0.24%
87	FNXFirst Trust Mid Cap Core AlphaDEX ETF	10,095	$1.3M	0.23%
88	EFAiShares MSCI EAFE Index Fund ETF	13,169	$1.3M	0.23%
89	SPYGSPDR S&P 500 Growth ETF	11,778	$1.3M	0.23%
90	JEPQJPMorgan Nasdaq Equity Premium Income ETF	21,609	$1.3M	0.23%
91	EEMiShares MSCI Emerging Markets Index Fund ETF	21,445	$1.2M	0.22%
92	SYKStryker Corp.	3,221	$1.1M	0.21%
93	GLWCorning, Inc.	12,780	$1.1M	0.21%
94	GDXJVanEck Junior Gold Miners ETF	9,550	$1.1M	0.20%
95	CATCaterpillar, Inc.	1,851	$1.1M	0.20%
96	WTRGEssential Utilities, Inc.	26,908	$1.0M	0.19%
97	MDLZMondelez International, Inc.	19,165	$1.0M	0.19%
98	RTXRTX Corp.	5,365	$983K	0.18%
99	PPLPPL Corp.	27,261	$954K	0.18%
100	GISGeneral Mills, Inc.	20,475	$952K	0.18%

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