White Lighthouse Investment Management Inc.

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CIK 1727593

13F portfolio (2026-Q1)

$721M

Positions

145

Implied 1Y CAGR

modeled · as filed

Long positions in SEC Section 13(f) securities (US-listed stocks, ADRs and ETFs), largest first · Δ vs 2025-Q4. A lagged quarterly snapshot (filed ≤45 days after quarter-end); excludes shorts, options, cash, and shares listed only on non-US exchanges — foreign companies held via a US listing or ADR (e.g. Alibaba, TSMC) ARE included.

Implied return what this book implies · modeled, not advice methodology →

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As filed = each book applied at its quarter-end (what the reported book did) · As copyable = applied at its statutory 45-day filing deadline (what a 13F follower could have earned).

Computing…

Hypothetical modeled performance constructed with hindsight — not actual results, and not indicative of future results. See the Disclaimer.

Exposures · what this manager owns, by sector & size (2026-Q1)

Holdings

145

Top 5

42.0%

Top 10

57.9%

Effective N

19.7

HHI

0.051

This quarter

4 new · 0 exit →

By sector

Unclassified93.8%

Information Technology1.5%

Health Care1.2%

Communication Services0.9%

Consumer Discretionary0.7%

Financials0.5%

Industrials0.5%

Consumer Staples0.5%

Other0.5%

By market cap

Unknown94.3%

Mega (>$200B)4.8%

Large ($10–200B)0.8%

By region

Other93.8%

North America5.7%

Europe0.5%

By industry group GICS — finer than sector

Industry group	Weight	Names
Unclassified	94.07%	105
Pharmaceuticals & Biotechnology	1.01%	5
Technology Hardware & Equipment	0.88%	3
Software & IT Services	0.88%	2
Specialty Retail	0.64%	4
Software	0.46%	1
Tobacco	0.41%	3
Machinery	0.34%	3
Semiconductors & Semiconductor Equipment	0.20%	2
Banks	0.16%	2
Health Care Equipment & Supplies	0.15%	3
Utilities	0.13%	1
Oil, Gas & Consumable Fuels	0.12%	2
Chemicals	0.11%	1
Hotels, Restaurants & Leisure	0.11%	1
Equity Real Estate Investment Trusts (REITs)	0.08%	1
Insurance	0.06%	1
Aerospace & Defense	0.05%	1
Beverages	0.04%	1
Road & Rail	0.04%	1
Commercial Services & Supplies	0.04%	1
Metals & Mining	0.03%	1

Top holdings

#	Ticker	Name	Sector	Weight
1	VUG	VANGUARD INDEX FDS	Unclassified	15.03%
2	SHV	ISHARES TR	Unclassified	7.96%
3	VYM	VANGUARD WHITEHALL FDS	Unclassified	7.87%
4	VXUS	VANGUARD STAR FDS	Unclassified	6.89%
5	VCSH	VANGUARD SCOTTSDALE FDS	Unclassified	4.22%
6	BND	VANGUARD BD INDEX FDS	Unclassified	3.92%
7	VTV	VANGUARD INDEX FDS	Unclassified	3.57%
8	VGT	VANGUARD WORLD FD	Unclassified	3.13%
9	SCHD	SCHWAB STRATEGIC TR	Unclassified	2.91%
10	IAU	ISHARES GOLD TR	Unclassified	2.37%

41/145 names classified · sector 6.2% of weight · industry 5.9% · mkt cap 5.7%; unclassified names shown, never dropped.

Sector allocation over time · how the GICS mix & top names shifted quarter by quarter

top 5/sector, rest → “Other” · 34 quarters

Information TechnologyAAPL, MSFT, ANET, U, SNOW · other

Health CareJNJ, AMGN, EW, PFE, AZN · other

Consumer DiscretionaryAMZN, WMT, TSLA, MAR, TSCO · other

Consumer StaplesPM, PEP, CVS, BTI, MO · other

FinancialsBRK.B, UNH, JPM, AFRM, AMP · other

IndustrialsCAT, LMT, HON, MMM, BABA · other

Communication ServicesGOOGL, VZ, GOOG, WPP, DIS · other

UtilitiesSO, DUK

MaterialsPG, RIO, GLW, NAK

EnergyXOM, CVX

Real EstatePSA, NLY, BN

UnclassifiedVUG, VYM, VXUS, VCSH, SHV · other

Sector is classified on each name's CURRENT fundamentals, not point-in-time — apparent sector drift can reflect the market re-rating a holding, not a manager trade. 13F is a lagged quarterly snapshot of long positions in US-listed securities only — foreign companies held via a US listing or ADR ARE included, but shares listed only on non-US exchanges (plus shorts, options and cash) are not. Latest quarter: 6.2% of the book is sector-classified (unclassified names shown, never dropped).

Style box · size × value-growth placement of the reported book (2026-Q1), classified on current fundamentals (not point-in-time) — load it into PORT to overlay your own portfolio

Only 5% of book weight classified — the grid is NOT representative of the whole book.

holdings, colored by sector (37 classified)White Lighthouse Investment Management Inc. centroid (Large Core)

Information TechnologyCommunication ServicesConsumer DiscretionaryHealth CareIndustrialsConsumer StaplesFinancialsMaterialsUtilitiesEnergyReal Estate

Style box summary for White Lighthouse Investment Management Inc.: centroid Large Core. Heaviest cells: Large Growth 2.5%, Large Core 1.8%, Large Value 0.9%.

Classified: 5.4% of book weight (37/145 names) · unclassified 94.6%: VUG, SHV, VYM, VXUS, VCSH, BND, VTV, VGT, SCHD, IAU +98 more. Size: cap 70/20/10 bands; style: value/growth composite on our own metrics — not Morningstar's model.

Contribution holdings-based, any period

No contribution data for this period.

Holdings· 145 positions (2026-Q1) · largest first · Δ vs 2025-Q4

#	Security	Shares	Value	Weight	Δ QoQ
1	VUGVANGUARD INDEX FDS	248,021	$108M	15.0%	ADD 3%
2	SHVISHARES TR	519,501	$57M	8.0%	ADD 10%
3	VYMVANGUARD WHITEHALL FDS	383,007	$57M	7.9%	TRIM −19%
4	VXUSVANGUARD STAR FDS	643,659	$50M	6.9%	ADD 8%
5	VCSHVANGUARD SCOTTSDALE FDS	383,662	$30M	4.2%	ADD 5%
6	BNDVANGUARD BD INDEX FDS	383,389	$28M	3.9%	ADD 3%
7	VTVVANGUARD INDEX FDS	131,200	$26M	3.6%	HOLD
8	VGTVANGUARD WORLD FD	32,386	$23M	3.1%	HOLD
9	SCHDSCHWAB STRATEGIC TR	684,743	$21M	2.9%	ADD 265%
10	IAUISHARES GOLD TR	193,568	$17M	2.4%	TRIM −6%
11	IXUSISHARES TR	185,764	$16M	2.2%	HOLD
12	VCITVANGUARD SCOTTSDALE FDS	192,316	$16M	2.2%	TRIM −4%
13	IGMISHARES TR	123,424	$15M	2.0%	ADD 8%
14	VIGVANGUARD SPECIALIZED FUNDS	52,339	$11M	1.6%	HOLD
15	VOOVANGUARD INDEX FDS	18,812	$11M	1.6%	HOLD
16	DVYISHARES TR	70,643	$11M	1.5%	HOLD
17	IWFISHARES TR	22,484	$10M	1.3%	HOLD
18	BSVVANGUARD BD INDEX FDS	120,379	$9M	1.3%	ADD 2%
19	VTIPVANGUARD MALVERN FDS	169,803	$8M	1.2%	ADD 29%
20	VBRVANGUARD INDEX FDS	36,970	$8M	1.1%	ADD 3%
21	BILSPDR SERIES TRUST	78,013	$7M	1.0%	HOLD
22	VBVANGUARD INDEX FDS	26,925	$7M	1.0%	ADD 10%
23	VHTVANGUARD WORLD FD	24,741	$7M	0.9%	HOLD
24	QQQINVESCO QQQ TR	9,741	$6M	0.8%	ADD 5%
25	AAPLAPPLE INC	22,137	$6M	0.8%	TRIM −6%
26	VSGXVANGUARD WORLD FD	77,992	$6M	0.8%	HOLD
27	VNQVANGUARD INDEX FDS	59,363	$5M	0.7%	HOLD
28	ESGVVanguard ESG US Stock - ETF	46,625	$5M	0.7%	ADD 3%
29	VOVANGUARD INDEX FDS	17,758	$5M	0.7%	ADD 4%
30	VGSHVANGUARD SHORT-TERM TREASURY ETF	79,357	$5M	0.6%	ADD 7%
31	VTIVANGUARD INDEX FDS	13,698	$4M	0.6%	ADD 3%
32	IUSBISHARES TR	85,101	$4M	0.5%	HOLD
33	BIVVANGUARD BD INDEX FDS	49,303	$4M	0.5%	HOLD
34	VPUVANGUARD WORLD FD	18,724	$4M	0.5%	HOLD
35	GOOGALPHABET INC	12,349	$4M	0.5%	ADD 199%
36	VOEVANGUARD INDEX FDS	18,818	$3M	0.5%	HOLD
37	VOTVANGUARD INDEX FDS	13,213	$3M	0.5%	ADD 4%
38	MSFTMICROSOFT CORP	8,884	$3M	0.5%	HOLD
39	AZNASTRAZENECA PLC	15,213	$3M	0.4%	TRIM −50%
40	GLDSPDR GOLD TR	6,883	$3M	0.4%	TRIM −3%
41	SPYSTATE STR SPDR S&P 500 ETF T	4,342	$3M	0.4%	ADD 5%
42	GOOGLALPHABET INC	9,628	$3M	0.4%	TRIM −5%
43	MUBISHARES TR	25,080	$3M	0.4%	ADD 4%
44	VWOVANGUARD INTL EQUITY INDEX F	48,999	$3M	0.4%	TRIM −4%
45	SCHPSCHWAB STRATEGIC TR	96,957	$3M	0.4%	ADD 4%
46	ESGUISHARES TR	17,193	$2M	0.3%	HOLD
47	AMZNAMAZON COM INC	10,836	$2M	0.3%	TRIM −9%
48	BRK.BBERKSHIRE HATHAWAY INC DEL	4,282	$2M	0.3%	TRIM −17%
49	VGKVANGUARD INTL EQUITY INDEX F	24,218	$2M	0.3%	HOLD
50	IUSGISHARES TR	12,322	$2M	0.3%	HOLD
51	IJTISHARES TR	12,888	$2M	0.3%	HOLD
52	PMPHILIP MORRIS INTL INC	11,182	$2M	0.3%	HOLD
53	WMTWALMART INC	14,013	$2M	0.2%	TRIM −8%
54	CATCATERPILLAR INC	2,449	$2M	0.2%	HOLD
55	ESGDISHARES TR	17,529	$2M	0.2%	HOLD
56	VCLTVANGUARD SCOTTSDALE FDS	21,722	$2M	0.2%	TRIM −62%
57	VEUVANGUARD INTL EQUITY INDEX F	21,387	$2M	0.2%	HOLD
58	DSIISHARES TR	12,942	$2M	0.2%	HOLD
59	VEAVANGUARD TAX-MANAGED FDS	24,456	$2M	0.2%	TRIM −7%
60	IBBISHARES TR	9,275	$2M	0.2%	HOLD
61	VOXVANGUARD WORLD FD	8,687	$2M	0.2%	TRIM −2%
62	VCRVANGUARD WORLD FD	4,328	$2M	0.2%	HOLD
63	JNJJOHNSON & JOHNSON	6,340	$2M	0.2%	HOLD
64	IXJISHARES TR	16,275	$2M	0.2%	HOLD
65	IVVISHARES TR	2,172	$1M	0.2%	HOLD
66	XLKSELECT SECTOR SPDR TR	10,494	$1M	0.2%	TRIM −21%
67	SGOLETFS GOLD TR	30,865	$1M	0.2%	TRIM −11%
68	SUBISHARES TR	12,636	$1M	0.2%	HOLD
69	JNKSPDR SER TR	13,965	$1M	0.2%	ADD 3%
70	VWOBVANGUARD WHITEHALL FDS	19,190	$1M	0.2%	HOLD
71	EMBISHARES TR	13,042	$1M	0.2%	ADD 64%
72	VTEBVANGUARD MUN BD FDS	24,058	$1M	0.2%	HOLD
73	AMGNAMGEN INC	3,333	$1M	0.2%	TRIM −7%
74	LLYELI LILLY & CO	1,166	$1M	0.1%	NEW
75	HYGISHARES TR	13,119	$1M	0.1%	ADD 108%
76	SUSCISHARES TR	44,588	$1M	0.1%	ADD 2%
77	ICFIShares Cohen & Steers REIT ETF	15,444	$955,829	0.1%	TRIM −4%
78	IGSBISHARES TR	17,750	$932,940	0.1%	HOLD
79	SOSOUTHERN CO	9,605	$927,102	0.1%	HOLD
80	NVDANVIDIA CORPORATION	5,221	$910,604	0.1%	ADD 8%
81	NULGNUSHARES ETF TR	9,787	$890,030	0.1%	TRIM −7%
82	IJRISHARES TR	6,953	$864,327	0.1%	ADD 3%
83	VFHVANGUARD WORLD FD	7,138	$862,342	0.1%	HOLD
84	QUALISHARES TR	4,474	$858,158	0.1%	ADD 6%
85	SOXXISHARES TR	2,554	$839,402	0.1%	HOLD
86	GDXVANECK ETF TRUST GOLD MINERS ETF	9,076	$832,916	0.1%	TRIM −5%
87	JPMJPMORGAN CHASE & CO	2,707	$796,172	0.1%	TRIM −26%
88	PGPROCTER AND GAMBLE CO	5,327	$769,486	0.1%	HOLD
89	MARMARRIOTT INTL INC NEW	2,335	$763,708	0.1%	HOLD
90	ESGEISHARES INC	15,967	$726,011	0.1%	TRIM −3%
91	NUSCNUSHARES ETF TR	15,990	$720,509	0.1%	HOLD
92	MGKVanguard Mega Cap Growth ETF	1,763	$647,797	0.1%	HOLD
93	GLOBAL X FTSE GREECE 20 ETF	9,970	$636,784	0.1%	HOLD
94	MOALTRIA GROUP INC	9,202	$607,246	0.1%	HOLD
95	EFAISHARES TR	6,058	$588,414	0.1%	ADD 16%
96	EWEDWARDS LIFESCIENCES CORP	7,107	$569,168	0.1%	HOLD
97	VPLVANGUARD INTL EQUITY INDEX F	5,789	$565,713	0.1%	HOLD
98	NLYANNALY CAPITAL MANAGEMENT IN	26,722	$565,162	0.1%	ADD 3%
99	SCHGSCHWAB U.S. LARGE-CAP GROWTH ETF	19,300	$562,219	0.1%	ADD 32%
100	XOMEXXON MOBIL CORP	3,273	$555,263	0.1%	ADD 3%
101	VVVANGUARD INDEX FDS	1,784	$533,017	0.1%	HOLD
102	BNDXVANGUARD CHARLOTTE FDS	11,059	$531,402	0.1%	ADD 10%
103	BTIBRITISH AMERN TOB PLC	9,084	$531,169	0.1%	HOLD
104	CSCOCISCO SYS INC	6,672	$517,692	0.1%	HOLD
105	MRKMERCK & CO INC	4,242	$510,278	0.1%	TRIM −13%
106	AVGOBROADCOM INC	1,615	$499,757	0.1%	TRIM −5%
107	ASMLASML HOLDING N V	366	$483,424	0.1%	HOLD
108	AGGISHARES TR	4,604	$457,039	0.1%	ADD 43%
109	UNHUNITEDHEALTH GROUP INC	1,686	$456,288	0.1%	TRIM −7%
110	ICLNISHARES TR	23,082	$422,167	0.1%	HOLD
111	VCEBVANGUARD WORLD FD	6,288	$395,054	0.1%	ADD 11%
112	MTUMISHARES TR	1,633	$391,904	0.1%	HOLD
113	XLVSELECT SECTOR SPDR TR	2,557	$374,916	0.1%	HOLD
114	AFRMAFFIRM HLDGS INC	8,084	$370,409	0.1%	ADD 14%
115	ICSHISHARES TR	7,000	$354,340	0.0%	HOLD
116	LMTLOCKHEED MARTIN CORP	569	$344,117	0.0%	HOLD
117	VONGVANGUARD SCOTTSDALE FDS	3,115	$341,684	0.0%	HOLD
118	SCHCSCHWAB STRATEGIC TR	7,186	$335,858	0.0%	HOLD
119	HDHOME DEPOT INC	1,012	$332,676	0.0%	HOLD
120	IWPISHARES TR	2,557	$327,603	0.0%	TRIM −26%
121	CVXCHEVRON CORP NEW	1,575	$325,956	0.0%	TRIM −6%
122	IEMGISHARES INC	4,663	$325,244	0.0%	ADD 32%
123	PEPPEPSICO INC	1,905	$295,840	0.0%	HOLD
124	VBKVANGUARD INDEX FDS	970	$293,077	0.0%	ADD 12%
125	COSTCOSTCO WHSL CORP NEW	291	$290,241	0.0%	HOLD
126	SCHFSCHWAB STRATEGIC TR	11,589	$286,840	0.0%	ADD 29%
127	MDTMEDTRONIC PLC	3,209	$278,079	0.0%	HOLD
128	IWMISHARES TR	1,107	$274,536	0.0%	NEW
129	UNPUNION PAC CORP	1,107	$268,580	0.0%	TRIM −6%
130	SPYGSPDR SERIES TRUST STATE STREET SPD	2,698	$264,158	0.0%	HOLD
131	BLVVANGUARD BD INDEX FDS	3,822	$262,877	0.0%	TRIM −60%
132	DEDEERE & CO	465	$261,935	0.0%	HOLD
133	XLESELECT SECTOR SPDR TR	4,260	$260,968	0.0%	NEW
134	SPGIS&P GLOBAL INC	600	$255,204	0.0%	TRIM −2%
135	XLFSELECT SECTOR SPDR TR	4,903	$242,061	0.0%	HOLD
136	VYMIVANGUARD WHITEHALL FDS	2,493	$234,945	0.0%	ADD 2%
137	PDBCINVESCO ACTVELY MNGD ETC FD	13,485	$233,560	0.0%	HOLD
138	XLCSELECT SECTOR SPDR TR	2,096	$232,363	0.0%	HOLD
139	ISRGINTUITIVE SURGICAL INC	468	$215,743	0.0%	HOLD
140	GLWCORNING INC	1,576	$214,289	0.0%	NEW
141	SPYVSPDR SERIES TRUST	3,780	$213,846	0.0%	HOLD
142	SHESPDR SERIES TRUST	1,660	$212,124	0.0%	HOLD
143	KBWBINVESCO EXCH TRADED FD TR II	2,619	$207,195	0.0%	HOLD
144	SCHOSCHWAB SHORT-TERM US TREASURY ETF	8,510	$206,538	0.0%	ADD 3%
145	PANWPALO ALTO NETWORKS INC	1,282	$205,530	0.0%	TRIM −5%

Position trends· top 15 holdings · shares held over 6 quarters

green added · red trimmed

Security

2024-Q4

2025-Q1

2025-Q2

2025-Q3

2025-Q4

2026-Q1

Latest value

VUGVANGUARD INDEX FDS

235K

233K

242K

238K

240K

248K

$108M

SHVISHARES TR

255K

287K

288K

324K

472K

520K

$57M

VYMVANGUARD WHITEHALL FDS

435K

442K

456K

463K

472K

383K

$57M

VXUSVANGUARD STAR FDS

565K

578K

564K

578K

593K

644K

$50M

VCSHVANGUARD SCOTTSDALE FDS

319K

317K

321K

353K

366K

384K

$30M

BNDVANGUARD BD INDEX FDS

282K

299K

309K

317K

371K

383K

$28M

VTVVANGUARD INDEX FDS

104K

111K

120K

126K

131K

$26M

VGTVANGUARD WORLD FD

37K

34K

33K

32K

$23M

SCHDSCHWAB STRATEGIC TR

130K

129K

127K

123K

188K

685K

$21M

IAUISHARES GOLD TR

248K

237K

210K

216K

207K

194K

$17M

IXUSISHARES TR

196K

193K

190K

189K

188K

186K

$16M

VCITVANGUARD SCOTTSDALE FDS

210K

208K

198K

201K

192K

$16M

IGMISHARES TR

79K

80K

89K

103K

114K

123K

$15M

VIGVANGUARD SPECIALIZED FUNDS

54K

51K

52K

51K

53K

52K

$11M

VOOVANGUARD INDEX FDS

17K

18K

19K