The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
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COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ACADIA Pharmaceuticals Inc COM 004225108   2,799 175,841 SH   DFND 1 175,841 0 0
Activision Blizzard Inc COM 00507V109   31,328 409,249 SH   DFND 1 409,249 0 0
Adobe Inc COM 00724F101   16,904 50,231 SH   DFND 1 50,231 0 0
Albemarle Corp COM 012653101   1,925 8,877 SH   DFND 1 8,877 0 0
Alphabet Inc - CL C CLS C 02079K107   62,303 702,167 SH   DFND 1 702,167 0 0
Altria Group Inc COM 02209S103   28,357 620,374 SH   DFND 1 620,374 0 0
Amazon.Com Inc COM 023135106   20,272 241,329 SH   DFND 1 241,329 0 0
Ameren Corp COM 023608102   31,819 357,839 SH   DFND 1 357,839 0 0
American Water Works Co Inc COM 030420103   7,196 47,210 SH   DFND 1 47,210 0 0
Ansys Inc COM 03662Q105   1,162 4,811 SH   DFND 1 4,811 0 0
AT&T Inc COM 00206R102   22,706 1,233,353 SH   DFND 1 1,233,353 0 0
Bank of America Corp COM 060505104   31,308 945,291 SH   DFND 1 945,291 0 0
BHP Billiton Ltd Sponsored ADR Sponsored ADS 088606108   5,570 89,770 SH   DFND 1 89,770 0 0
Bristol-Myers Squibb Co COM 110122108   38,355 533,082 SH   DFND 1 533,082 0 0
Burlington Stores Inc COM 122017106   1,164 5,739 SH   DFND 1 5,739 0 0
CDW Corp/DE COM 12514G108   1,105 6,189 SH   DFND 1 6,189 0 0
Chevron Corp COM 166764100   19,458 108,405 SH   DFND 1 108,405 0 0
Church & Dwight Co Inc COM 171340102   1,163 14,426 SH   DFND 1 14,426 0 0
Cintas Corp COM 172908105   6,752 14,950 SH   DFND 1 14,950 0 0
Comcast Corp - A CLS A 20030N101   23,954 684,980 SH   DFND 1 684,980 0 0
Community Bank System Inc COM 203607106   834 13,251 SH   DFND 1 13,251 0 0
Congent Communications COM 19239V302   2,101 36,806 SH   DFND 1 36,806 0 0
Constellation Brands Inc - A CLS A 21036P108   6,976 30,102 SH   DFND 1 30,102 0 0
Costco Wholesale Corp Common COM 22160K105   6,312 13,827 SH   DFND 1 13,827 0 0
CROCS Inc COM 227046109   16,605 153,142 SH   DFND 1 153,142 0 0
Crown Castle International COM 22822V101   149 1,096 SH   DFND 1 1,096 0 0
CubeSmart COM 229663109   1,022 25,401 SH   DFND 1 25,401 0 0
Dun & Bradstreet Holdings COM 26484T106   8,338 680,090 SH   DFND 1 680,090 0 0
Elevance Health Inc COM 036752103   42,712 83,265 SH   DFND 1 83,265 0 0
EOG Resources Inc COM 26875P101   39,941 308,380 SH   DFND 1 308,380 0 0
EVI Industries Inc COM 26929N102   5,884 246,501 SH   DFND 1 246,501 0 0
Exact Sciences COM 30063P105   7,773 157,000 SH   DFND 1 157,000 0 0
Fidelity Growth Opportunities ETF Fidelity Growth 316092337   449 35,400 SH   DFND 1 35,400 0 0
Fidelity National Information Services COM 31620M106   17,937 264,361 SH   DFND 1 264,361 0 0
First Republic Bank/CA COM 33616C100   1,486 12,193 SH   DFND 1 12,193 0 0
First Trust International Equity INTL EQUITY OPP 33734X853   256 6,600 SH   DFND 1 6,600 0 0
Fiserv Inc COM 337738108   27,525 272,333 SH   DFND 1 272,333 0 0
Gentex Corp COM 371901109   12,890 472,670 SH   DFND 1 472,670 0 0
Hess Corp COM 42809H107   37,202 262,317 SH   DFND 1 262,317 0 0
Home Depot Inc COM 437076102   253 800 SH   DFND 1 800 0 0
Intercontinental Exchange COM 45866F104   12,448 121,333 SH   DFND 1 121,333 0 0
Invesco Russell 1000 Equal Weight ETF RUSEL 1000 EQL 46138E420   466 11,600 SH   DFND 1 11,600 0 0
iShares 20 Year Treasury bond 20 YR TR BD ETF 464287432   50 500 SH   DFND 1 500 0 0
iShares Core MSCI EAFE ETF CORE MSCI EAFE 46432F842   12,249 198,711 SH   DFND 1 198,711 0 0
iShares MSCI INTL Momentum Factor ETF MSCI INTL MOMENT 46434V449   1,145 37,130 SH   DFND 1 37,130 0 0
iShares MSCI USA Min Vol Factor ETF MSCI USA MIN 46429B697   3,467 48,089 SH   DFND 1 48,089 0 0
iShares MSCI USA Momentum Factor ETF MSCI USA MMENTM 46432F396   2,846 19,500 SH   DFND 1 19,500 0 0
iShares MSCI USA Quality Factor ETF MSCI USA QLT FCT 46432F339   4,210 36,947 SH   DFND 1 36,947 0 0
iShares Russell Mid-Cap ETF RUS MID CAP ETF 464287499   1,346 19,960 SH   DFND 1 19,960 0 0
iShares Russell Top 200 Growth ETF RUS TP200 GR ETF 464289438   723 6,000 SH   DFND 1 6,000 0 0
Jack Henry & Associates Inc COM 426281101   1,728 9,843 SH   DFND 1 9,843 0 0
Johnson & Johnson COM 478160104   45,869 259,662 SH   DFND 1 259,662 0 0
Lam Research Corp COM 512807108   12,492 29,722 SH   DFND 1 29,722 0 0
Lazard Ltd - A SHS A G54050102   641 18,481 SH   DFND 1 18,481 0 0
Mastercard Inc CLS A 57636Q104   49,489 142,320 SH   DFND 1 142,320 0 0
Maxar Technologies Ltd COM 57778K105   44,631 862,598 SH   DFND 1 862,598 0 0
Merck & Co Inc COM 58933Y105   61,094 550,644 SH   DFND 1 550,644 0 0
Microsoft Corp COM 594918104   64,158 267,525 SH   DFND 1 267,525 0 0
Morningstar Inc COM 617700109   1,385 6,393 SH   DFND 1 6,393 0 0
Motorola Solutions Inc COM 620076307   14,137 54,855 SH   DFND 1 54,855 0 0
MSCI Inc COM 55354G100   6,149 13,218 SH   DFND 1 13,218 0 0
Nektar Therapeutics COM 640268108   228 100,945 SH   DFND 1 100,945 0 0
Newmont Corp COM 651639106   17,857 378,333 SH   DFND 1 378,333 0 0
Northrop Grumman Corp COM 666807102   23,904 43,812 SH   DFND 1 43,812 0 0
Omeros Corp COM 682143102   19 8,518 SH   DFND 1 8,518 0 0
OraSure Technologies Inc COM 68554V108   1,153 239,224 SH   DFND 1 239,224 0 0
Peabody Energy Corp COM 704551100   12,738 482,140 SH   DFND 1 482,140 0 0
PepsiCo Inc/NC COM 713448108   27,042 149,683 SH   DFND 1 149,683 0 0
Philip Morris International Inc COM 718172109   8,369 82,685 SH   DFND 1 82,685 0 0
Planet Fitness CLS A 72703H101   1,092 13,857 SH   DFND 1 13,857 0 0
PNC Financial Services Group Inc COM 693475105   39,937 252,862 SH   DFND 1 252,862 0 0
Raymond James Financial Inc COM 754730109   1,521 14,233 SH   DFND 1 14,233 0 0
Raytheon Technologies COM 75513E101   48,754 483,093 SH   DFND 1 483,093 0 0
Roper Technologies COM 776696106   13,762 31,851 SH   DFND 1 31,851 0 0
Ross Stores Inc COM 778296103   34,891 300,601 SH   DFND 1 300,601 0 0
SiteOne Landscape Supply COM 82982L103   4,955 42,234 SH   DFND 1 42,234 0 0
SPDR Portfolio S&P 500 Growth ETF PRTFLO S&P500 GW 78464A409   719 14,188 SH   DFND 1 14,188 0 0
Store Capital Corp COM 862121100   26,830 836,878 SH   DFND 1 836,878 0 0
T Rowe Price Blue Chip Growth ETF PRICE BLUE CHIP 87283Q107   358 17,420 SH   DFND 1 17,420 0 0
T Rowe Price Dividend Growth ETF Price Div Grwt 87283Q404   6,389 203,548 SH   DFND 1 203,548 0 0
Texas Instruments Inc COM 882508104   22,593 136,745 SH   DFND 1 136,745 0 0
TJX Companies Inc COM 872540109   41,531 521,747 SH   DFND 1 521,747 0 0
Truist Financial Corp COM 89832Q109   8,415 195,564 SH   DFND 1 195,564 0 0
Twilio Inc CLS A 90138F102   720 14,713 SH   DFND 1 14,713 0 0
Tyler Technologies Inc COM 902252105   18,169 56,355 SH   DFND 1 56,355 0 0
United Rentals Inc COM 911363109   75 212 SH   DFND 1 212 0 0
UnitedHealth Group Inc COM 91324P102   8,515 16,061 SH   DFND 1 16,061 0 0
Upwork Inc COM 91688F104   93 8,901 SH   DFND 1 8,901 0 0
Valero Energy Corp COM 91913Y100   55,391 436,629 SH   DFND 1 436,629 0 0
Vanguard International Dividend Apprec INTL DVD ETF 921946810   3,586 51,501 SH   DFND 1 51,501 0 0
Vanguard Russell 1000 Growth ETF VNG RUS1000GRW 92206C680   908 16,477 SH   DFND 1 16,477 0 0
Vanguard Russell 1000 Value VNG RUS1000VAL 92206C714   4,141 62,200 SH   DFND 1 62,200 0 0
Vanguard S&P 500 ETF S&P 500 ETF SHS 922908363   15,268 43,457 SH   DFND 1 43,457 0 0
Verizon Communications Inc COM 92343V104   14,550 369,280 SH   DFND 1 369,280 0 0
Visa Inc - A COM 92826C839   43,623 209,967 SH   DFND 1 209,967 0 0
Vontier Corp COM 928881101   9,052 468,306 SH   DFND 1 468,306 0 0
WEC Energy Group COM 92939U106   6,368 67,914 SH   DFND 1 67,914 0 0