ACADIA Pharmaceuticals Inc COM 004225108 2910 177852 SH DFND 1 177852 0 0 Activision Blizzard Inc COM 00507V109 30923 415973 SH DFND 1 415973 0 0 Adobe Inc COM 00724F101 13985 50818 SH DFND 1 50818 0 0 Albemarle Corp COM 012653101 2353 8898 SH DFND 1 8898 0 0 Alphabet Inc - CL C CLS C 02079K107 66102 687487 SH DFND 1 687487 0 0 Altria Group Inc COM 02209S103 25499 631486 SH DFND 1 631486 0 0 Amazon.Com Inc COM 023135106 23973 212154 SH DFND 1 212154 0 0 Ameren Corp COM 023608102 29159 362003 SH DFND 1 362003 0 0 American Water Works Co Inc COM 030420103 6341 48715 SH DFND 1 48715 0 0 Ansys Inc COM 03662Q105 1069 4822 SH DFND 1 4822 0 0 AT&T Inc COM 00206R102 19226 1253349 SH DFND 1 1253349 0 0 Bank of America Corp COM 060505104 28916 957478 SH DFND 1 957478 0 0 BHP Billiton Ltd Sponsored ADR Sponsored ADS 088606108 2608 52119 SH DFND 1 52119 0 0 Bristol-Myers Squibb Co COM 110122108 25731 361953 SH DFND 1 361953 0 0 Burlington Stores Inc COM 122017106 644 5753 SH DFND 1 5753 0 0 CDW Corp/DE COM 12514G108 2169 13896 SH DFND 1 13896 0 0 Chevron Corp COM 166764100 15810 110042 SH DFND 1 110042 0 0 Church & Dwight Co Inc COM 171340102 1033 14460 SH DFND 1 14460 0 0 Cintas Corp COM 172908105 6029 15531 SH DFND 1 15531 0 0 Comcast Corp - A CLS A 20030N101 20415 696036 SH DFND 1 696036 0 0 Community Bank System Inc COM 203607106 798 13281 SH DFND 1 13281 0 0 Congent Communications COM 19239V302 2841 54467 SH DFND 1 54467 0 0 Constellation Brands Inc - A CLS A 21036P108 7025 30584 SH DFND 1 30584 0 0 Costco Wholesale Corp Common COM 22160K105 6631 14040 SH DFND 1 14040 0 0 CROCS Inc COM 227046109 11879 173005 SH DFND 1 173005 0 0 Crown Castle International COM 22822V101 158 1096 SH DFND 1 1096 0 0 CubeSmart COM 229663109 1020 25462 SH DFND 1 25462 0 0 Digital Realty Trust Inc COM 253868103 88 884 SH DFND 1 884 0 0 Dun & Bradstreet Holdings COM 26484T106 8517 687444 SH DFND 1 687444 0 0 Elevance Health Inc COM 036752103 38404 84546 SH DFND 1 84546 0 0 EOG Resources Inc COM 26875P101 34947 312778 SH DFND 1 312778 0 0 EVI Industries Inc COM 26929N102 4543 250427 SH DFND 1 250427 0 0 Exact Sciences COM 30063P105 5157 158728 SH DFND 1 158728 0 0 Fidelity Growth Opportunities ETF Fidelity Growth 316092337 444 34700 SH DFND 1 34700 0 0 Fidelity National Information Services COM 31620M106 20434 270403 SH DFND 1 270403 0 0 First Republic Bank/CA COM 33616C100 1638 12547 SH DFND 1 12547 0 0 First Trust International Equity INTL EQUITY OPP 33734X853 250 7000 SH DFND 1 7000 0 0 Fiserv Inc COM 337738108 25827 276019 SH DFND 1 276019 0 0 Gentex Corp COM 371901109 24603 1032015 SH DFND 1 1032015 0 0 Hess Corp COM 42809H107 31873 292437 SH DFND 1 292437 0 0 Home Depot Inc COM 437076102 193 700 SH DFND 1 700 0 0 Intercontinental Exchange COM 45866F104 11166 123586 SH DFND 1 123586 0 0 Invesco Russell 1000 Equal Weight ETF RUSEL 1000 EQL 46138E420 432 11700 SH DFND 1 11700 0 0 iShares Core MSCI EAFE ETF CORE MSCI EAFE 46432F842 11059 209961 SH DFND 1 209961 0 0 iShares MSCI INTL Momentum Factor ETF MSCI INTL MOMENT 46434V449 863 32130 SH DFND 1 32130 0 0 iShares MSCI USA Min Vol Factor ETF MSCI USA MIN 46429B697 4758 71989 SH DFND 1 71989 0 0 iShares MSCI USA Momentum Factor ETF MSCI USA MMENTM 46432F396 1810 13800 SH DFND 1 13800 0 0 iShares MSCI USA Quality Factor ETF MSCI USA QLT FCT 46432F339 3196 30747 SH DFND 1 30747 0 0 iShares Russell Mid-Cap ETF RUS MID CAP ETF 464287499 1228 19760 SH DFND 1 19760 0 0 iShares Russell Top 200 Growth ETF RUS TP200 GR ETF 464289438 681 5700 SH DFND 1 5700 0 0 Jack Henry & Associates Inc COM 426281101 1798 9867 SH DFND 1 9867 0 0 Johnson & Johnson COM 478160104 44135 270170 SH DFND 1 270170 0 0 Lazard Ltd - A SHS A G54050102 590 18525 SH DFND 1 18525 0 0 Mastercard Inc CLS A 57636Q104 43511 153025 SH DFND 1 153025 0 0 Maxar Technologies Ltd COM 57778K105 16421 877205 SH DFND 1 877205 0 0 Merck & Co Inc COM 58933Y105 62912 730516 SH DFND 1 730516 0 0 Micron Technology Inc COM 595112103 18678 372820 SH DFND 1 372820 0 0 Microsoft Corp COM 594918104 62930 270203 SH DFND 1 270203 0 0 Morningstar Inc COM 617700109 1361 6408 SH DFND 1 6408 0 0 Motorola Solutions Inc COM 620076307 12475 55701 SH DFND 1 55701 0 0 MSCI Inc COM 55354G100 5751 13634 SH DFND 1 13634 0 0 Nektar Therapeutics COM 640268108 327 102178 SH DFND 1 102178 0 0 Newmont Corp COM 651639106 16139 383986 SH DFND 1 383986 0 0 Northrop Grumman Corp COM 666807102 20852 44335 SH DFND 1 44335 0 0 Omeros Corp COM 682143102 27 8535 SH DFND 1 8535 0 0 OraSure Technologies Inc COM 68554V108 2202 580984 SH DFND 1 580984 0 0 Peabody Energy Corp COM 704551100 10616 427711 SH DFND 1 427711 0 0 PepsiCo Inc/NC COM 713448108 13025 79779 SH DFND 1 79779 0 0 Philip Morris International Inc COM 718172109 7304 87984 SH DFND 1 87984 0 0 PNC Financial Services Group Inc COM 693475105 34339 229814 SH DFND 1 229814 0 0 Raymond James Financial Inc COM 754730109 1410 14267 SH DFND 1 14267 0 0 Raytheon Technologies COM 75513E101 40107 489941 SH DFND 1 489941 0 0 Roper Technologies COM 776696106 11591 32230 SH DFND 1 32230 0 0 Ross Stores Inc COM 778296103 25762 305713 SH DFND 1 305713 0 0 SiteOne Landscape Supply COM 82982L103 4446 42696 SH DFND 1 42696 0 0 SPDR Gold Tracks Gold SHS 78463V107 302 1955 SH DFND 1 1955 0 0 SPDR Portfolio S&P 500 Growth ETF PRTFLO S&P500 GW 78464A409 686 13688 SH DFND 1 13688 0 0 Store Capital Corp COM 862121100 26635 850159 SH DFND 1 850159 0 0 T Rowe Price Blue Chip Growth ETF PRICE BLUE CHIP 87283Q107 344 16520 SH DFND 1 16520 0 0 T Rowe Price Dividend Growth ETF Price Div Grwt 87283Q404 6157 216248 SH DFND 1 216248 0 0 Texas Instruments Inc COM 882508104 21489 138837 SH DFND 1 138837 0 0 TJX Companies Inc COM 872540109 35946 578659 SH DFND 1 578659 0 0 Truist Financial Corp COM 89832Q109 8615 197871 SH DFND 1 197871 0 0 Twilio Inc CLS A 90138F102 1028 14867 SH DFND 1 14867 0 0 Tyler Technologies Inc COM 902252105 19803 56987 SH DFND 1 56987 0 0 United Rentals Inc COM 911363109 57 212 SH DFND 1 212 0 0 UnitedHealth Group Inc COM 91324P102 8427 16685 SH DFND 1 16685 0 0 Upwork Inc COM 91688F104 122 8922 SH DFND 1 8922 0 0 Valero Energy Corp COM 91913Y100 46316 433465 SH DFND 1 433465 0 0 Vanguard International Dividend Apprec INTL DVD ETF 921946810 3459 55801 SH DFND 1 55801 0 0 Vanguard Russell 1000 Growth ETF VNG RUS1000GRW 92206C680 969 17877 SH DFND 1 17877 0 0 Vanguard Russell 1000 Value VNG RUS1000VAL 92206C714 4095 68600 SH DFND 1 68600 0 0 Vanguard S&P 500 ETF S&P 500 ETF SHS 922908363 12888 39257 SH DFND 1 39257 0 0 Verizon Communications Inc COM 92343V104 14293 376430 SH DFND 1 376430 0 0 Visa Inc - A CLS A 92826C839 39925 224739 SH DFND 1 224739 0 0 Vontier Corp COM 928881101 7912 473461 SH DFND 1 473461 0 0 Warner Bros Discovery Inc COM SER A 934423104 3487 303199 SH DFND 1 303199 0 0 WEC Energy Group COM 92939U106 6146 68724 SH DFND 1 68724 0 0