Sterling Investment Advisors, Ltd.

CIK 0001701132 · Q1 2026

13F Equity AUM

$552.4M

+1.7% QoQ

Positions

211

+3 QoQ

AUM Rank

#4,070

Top 33%

Skill Alpha (FF)

+0.6%/yr^ns

No Clear Edge

Rank #1,838 · Top 22%

vs S&P -2.5%/yr (unadj.)

Quarters Tracked

~8 years

Portfolio Concentration

Top 5: 19.2%Top 10: 30.8%Top 20: 46.5%

AAPL6.1%

JFLX3.9%

DVY3.8%

GOOGL2.7%

AMZN2.7%

NVDA2.5%

KMI2.5%

GDX2.3%

GMED2.3%

GQ92.0%

Others (201)69.2%

HHI (Herfindahl-Hirschman Index) measures portfolio concentration. Low (<1500) = diversified, Moderate (1500-2500), High (>2500) = concentrated bets.

Sector Allocation

Financial Services44.2%

Technology16.1%

Healthcare7.4%

Industrials6.5%

Consumer Cyclical5.8%

Energy5.4%

Communication Services4.9%

Consumer Defensive4.3%

Other5.5%

Portfolio weight by GICS sector based on latest 13F filing. Sectors below 2% are grouped as “Other.”

Position Sizing

Positions: 211Median: 0.16%Avg: 0.47%

0–0.5%

150(20.5%)

0.5–1%

32(22.9%)

1–3%

26(42.9%)

3–5%

2(7.7%)

5%+

1(6.1%)

Count of positions per weight bucket — (%) = combined portfolio weight

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Portfolio Overlap

Shared: 183Unique: 28vs 20 funds

2.5%Low

211

Fund positions

7,299

Consensus CUSIPs

Jaccard similarity of this fund’s portfolio vs the consensus of top 20 funds by AUM. Low (<15%) = contrarian, Moderate (15-40%), High (>40%) = follows the crowd.

Most Similar Funds

Top 9 benchmark funds with highest portfolio overlap (Jaccard similarity)

MORGAN STANLEY

3.4%

BANK OF AMERICA CORP /DE/

3.7%

3.5%

5.2%

3.5%

3.2%

VANGUARD CAPITAL MANAGEMENT LLC

GEODE CAPITAL MANAGEMENT, LLC

2.9%

VANGUARD PORTFOLIO MANAGEMENT LLC

3.4%

Jaccard similarity per fund: shared CUSIPs / (fund A + fund B − shared). Higher values indicate more similar portfolios.

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Position Changes This Quarter

New15Increased74Decreased78Exited14

New Positions

Freecast Inc0.3%

+402K

ACN0.1%

+3K

VTEC0.1%

+5K

CGMM0.1%

+13K

EPD0.1%

+7K

AMAT0.1%

+776

GPZ0.1%

+12K

RBLD0.1%

+4K

RBRK0.0%

+4K

GILD0.0%

+2K

Increased

DVY3.8%

+195K(+272%)

BIZD1.1%

+154K(+46%)

JPST0.4%

+35K(+306%)

PFE0.6%

+27K(+28%)

MINO0.5%

+22K(+58%)

JFLX3.9%

+20K(+5%)

BXSL0.1%

+19K(+167%)

JMUB0.3%

+15K(+93%)

AMLPUSD1.3%

+13K(+10%)

REMX0.8%

+12K(+30%)

Decreased

KMI2.5%

-30,220(-7%)

GDX2.3%

-13,550(-9%)

GQ92.0%

-12,112(-10%)

ETHA0.1%

-10,850(-35%)

IBIT0.2%

-10,282(-28%)

CMCSA0.1%

-6,400(-27%)

MOS0.5%

-3,894(-3%)

HRTS0.8%

-3,400(-3%)

ORCL0.2%

-3,225(-29%)

GOOGL2.7%

-2,814(-5%)

Exited

-92,800

-20,475

-198,950

-1,133

-1,545

-779

-5,500

-2,511

-1,538

-1,400

Quarter-over-quarter changes compared to prior 13F filing. New = first appearance; Exited = no longer held.

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Holdings

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