0000950123-23-001283.txt : 20230209 0000950123-23-001283.hdr.sgml : 20230209 20230209163000 ACCESSION NUMBER: 0000950123-23-001283 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20221231 FILED AS OF DATE: 20230209 DATE AS OF CHANGE: 20230209 EFFECTIVENESS DATE: 20230209 FILER: COMPANY DATA: COMPANY CONFORMED NAME: CITIZENS FINANCIAL GROUP INC/RI CENTRAL INDEX KEY: 0000759944 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 050412693 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-05954 FILM NUMBER: 23606649 BUSINESS ADDRESS: STREET 1: 1 CITIZENS PLAZA CITY: PROVIDENCE STATE: RI ZIP: 02903 BUSINESS PHONE: 2039006715 MAIL ADDRESS: STREET 1: 1 CITIZENS PLAZA CITY: PROVIDENCE STATE: RI ZIP: 02903 13F-HR 1 primary_doc.xml X0202 13F-HR LIVE 0000759944 XXXXXXXX 12-31-2022 12-31-2022 false Citizens Financial Group Inc/RI

1 Citizens Plaza Providence RI 02903

13F COMBINATION REPORT 028-05954 028-17246 Citizens Bank, National Association 028-19418 000106743 801-40835 Clarfeld Financial Advisors, LLC N David H. Shore 781-364-1641 /s/ David H. Shore Westwood MA 02-09-2023 2 574 2562302934 false 1 028-17246 Citizens Bank, National Association 2 028-19418 000106743 801-40835 Clarfeld Financial Advisors, LLC INFORMATION TABLE 2 20365.xml INFORMATION TABLE FOR FORM 13F 3M CO COM COM 88579Y101 1420692 11847 SH DFND 1 11847 0 11847 ABBOTT LABS COM COM 002824100 1812303 16507 SH DFND 1 16507 0 16507 ABBVIE INC COM COM 00287Y109 1459177 9029 SH DFND 1 9029 0 9029 ACCENTURE PLC IRELAND SHS CLASS A SHS CLASS A G1151C101 8449850 31666 SH DFND 1 31666 0 31666 ADOBE SYSTEMS INCORPORATED COM COM 00724F101 11247774 33423 SH DFND 1 33423 0 33423 AIR PRODS & CHEMS INC COM COM 009158106 711156 2307 SH DFND 1 2307 0 2307 ALIGN TECHNOLOGY INC COM COM 016255101 238527 1131 SH DFND 1 1131 0 1131 ALPHABET INC CAP STK CL A CAP STK CL A 02079K305 18475254 209399 SH DFND 1 209399 0 209399 ALPHABET INC CAP STK CL C CAP STK CL C 02079K107 11696564 131822 SH DFND 1 131822 0 131822 AMAZON COM INC COM COM 023135106 11858150 141168 SH DFND 1 141168 0 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291140 3783 SH DFND 2 0 0 3783 CHARTER COMMUNICATIONS INC N CL A 16119P108 305868 902 SH DFND 2 0 0 902 CHENIERE ENERGY INC COM NEW 16411R208 326920 2180 SH DFND 2 0 0 2180 CHEVRON CORP NEW COM 166764100 3747698 20880 SH DFND 2 0 0 20880 CHUBB LIMITED COM H1467J104 1487218 6716 SH DFND 2 0 0 6716 CHWAB STRATEGIC TR INTL EQTY ETF 808524805 412118 12795 SH DFND 2 0 0 12795 CIGNA CORP NEW COM 125523100 951462 2872 SH DFND 2 0 0 2872 CISCO SYS INC COM 17275R102 1735335 36426 SH DFND 2 0 0 36426 CITIGROUP INC COM NEW 172967424 6210115 137301 SH DFND 2 0 0 137301 CITIZENS FINL GROUP INC COM 174610105 2744064 69699 SH DFND 2 0 0 69699 CLOUDFLARE INC CL A COM 18915M107 399204 8830 SH DFND 2 0 0 8830 COCA COLA CO COM 191216100 2399752 37726 SH DFND 2 0 0 37726 COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 221161 3867 SH DFND 2 0 0 3867 COLGATE PALMOLIVE CO COM 194162103 330543 4195 SH DFND 2 0 0 4195 COMCAST CORP NEW CL A 20030N101 2449811 70055 SH DFND 2 0 0 70055 CONMED CORP COM 207410101 297347 3347 SH DFND 2 0 0 3347 CONOCOPHILLIPS COM 20825C104 1243837 10481 SH DFND 2 0 0 10481 CONSOLIDATED EDISON INC COM 209115104 247038 2592 SH DFND 2 0 0 2592 CORE LABORATORIES N V COM N22717107 281368 13881 SH DFND 2 0 0 13881 CORTEVA INC COM 22052L104 676832 11515 SH DFND 2 0 0 11515 COSTAR GROUP INC COM 22160N109 829524 10734 SH DFND 2 0 0 10734 COSTCO WHSL CORP NEW COM 22160K105 2292774 5023 SH DFND 2 0 0 5023 CSX CORP COM 126408103 1076859 34760 SH DFND 2 0 0 34760 CULLEN FROST BANKERS INC COM 229899109 331041 2476 SH DFND 2 0 0 2476 CUMMINS INC COM 231021106 1866737 7705 SH DFND 2 0 0 7705 CVS HEALTH CORP COM 126650100 2152090 23094 SH DFND 2 0 0 23094 DANAHER CORP DEL COM 235851102 655859 2471 SH DFND 2 0 0 2471 DARDEN RESTAURANTS INC COM 237194105 1044065 7548 SH DFND 2 0 0 7548 DARLING INGREDIENTS INC COM 237266101 246354 3936 SH DFND 2 0 0 3936 DATADOG INC CL A COM 23804L103 381759 5194 SH DFND 2 0 0 5194 DBX ETF TR XTRAK MSCI EAFE 233051200 879857 27299 SH DFND 2 0 0 27299 DEERE & CO COM 244199105 1517042 3538 SH DFND 2 0 0 3538 DEVON ENERGY CORP NEW COM 25179M103 414023 6731 SH DFND 2 0 0 6731 DEXCOM INC COM 252131107 1302373 11501 SH DFND 2 0 0 11501 DIAMONDBACK ENERGY INC COM 25278X109 1070569 7827 SH DFND 2 0 0 7827 DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 536649 10492 SH DFND 2 0 0 10492 DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 312288 10273 SH DFND 2 0 0 10273 DISNEY WALT CO COM DISNEY 254687106 791390 9109 SH DFND 2 0 0 9109 DOMINION RES INC VA NEW COM 25746U109 361158 5890 SH DFND 2 0 0 5890 DOORDASH INC CL A 25809K105 296728 6078 SH DFND 2 0 0 6078 DOW INC COM 260557103 915024 18159 SH DFND 2 0 0 18159 DUKE ENERGY CORP NEW COM NEW 26441C204 946158 9187 SH DFND 2 0 0 9187 DUPONT DE NEMOURS INC COM 26614N102 1046553 15249 SH DFND 2 0 0 15249 EAST RES ACQUISITION CO UNIT 07/01/2027 UNIT 07/01/2027 274681204 100400 10000 SH DFND 1 10000 0 10000 EAST WEST BANCORP INC COM 27579R104 382154 5799 SH DFND 2 0 0 5799 EDWARDS LIFESCIENCES CORP COM 28176E108 478474 6413 SH DFND 2 0 0 6413 ELECTRONIC ARTS INC COM 285512109 954512 7812 SH DFND 2 0 0 7812 EMERSON ELEC CO COM 291011104 1657574 17256 SH DFND 2 0 0 17256 ENERGIZER HLDGS INC NEW COM 29272W109 205684 6131 SH DFND 2 0 0 6131 ENERGY RECOVERY INC COM 29270J100 254650 12428 SH DFND 2 0 0 12428 ENERGY TRANSFER EQUITY L P COM UT LTD PTN 29273V100 356100 30000 SH DFND 2 0 0 30000 ENPHASE ENERGY INC COM 29355A107 210908 796 SH DFND 2 0 0 796 ENTERPRISE PRODS PARTNERS L COM 293792107 307409 12745 SH DFND 2 0 0 12745 EVERSOURCE ENERGY COM 30040W108 254622 3037 SH DFND 2 0 0 3037 EXCHANGE TRADED CONCEPTS TR ROBO GLB ETF 301505707 236376 5102 SH DFND 2 0 0 5102 EXXON MOBIL CORP COM 30231G102 7442913 67479 SH DFND 2 0 0 67479 FACEBOOK INC CL A 30303M102 1876702 15595 SH DFND 2 0 0 15595 FASTENAL CO COM 311900104 240480 5082 SH DFND 2 0 0 5082 FIDELITY NATIONAL FINANCIAL FNF GROUP COM 31620R303 350088 9306 SH DFND 2 0 0 9306 FIDELITY NATL INFORMATION SV COM 31620M106 328336 4839 SH DFND 2 0 0 4839 FIRST SOLAR INC COM 336433107 273067 1823 SH DFND 2 0 0 1823 FIRST TR EXCHANGE TRADED FD FIRST TR ENH NEW 33739Q408 9624343 161917 SH DFND 2 0 0 161917 FIRST TR MID CAP CORE ALPHAD COM SHS 33735B108 1340725 15265 SH DFND 2 0 0 15265 FLOOR & DECOR HLDGS INC CL A 339750101 355531 5106 SH DFND 2 0 0 5106 FORD MTR CO DEL COM PAR $0.01 345370860 267303 22984 SH DFND 2 0 0 22984 FORTINET INC COM 34959E109 683482 13980 SH DFND 2 0 0 13980 FRANKLIN ELEC INC COM 353514102 217718 2730 SH DFND 2 0 0 2730 FREEPORT-MCMORAN INC CL B 35671D857 2867290 75455 SH DFND 2 0 0 75455 GAP INC DEL COM 364760108 175833 15588 SH DFND 2 0 0 15588 GENERAL DYNAMICS CORP COM 369550108 1242060 5006 SH DFND 2 0 0 5006 GENERAL ELECTRIC CO COM 369604301 316859 3782 SH DFND 2 0 0 3782 GENERAL MLS INC COM 370334104 281170 3353 SH DFND 2 0 0 3353 GENUINE PARTS CO COM 372460105 1080558 6195 SH DFND 2 0 0 6195 GILEAD SCIENCES INC COM 375558103 284454 3313 SH DFND 2 0 0 3313 GLOBAL X FDS US INFR DEV ETF 37954Y673 484400 18190 SH DFND 2 0 0 18190 GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 207141 2071 SH DFND 2 0 0 2071 GOLDMAN SACHS GROUP INC COM 38141G104 534264 1556 SH DFND 2 0 0 1556 GOODRX HLDGS INC COM CL A 38246G108 11650 11650 SH DFND 2 0 0 11650 GRAINGER W W INC COM 384802104 289271 520 SH DFND 2 0 0 520 HALLIBURTON CO COM 406216101 1325519 33685 SH DFND 2 0 0 33685 HAMILTON LANE INC CL A 407497106 258856 4027 SH DFND 2 0 0 4027 HCA HOLDINGS INC COM 40412C101 1203684 5016 SH DFND 2 0 0 5016 HERSHEY CO COM 427866108 2319769 10018 SH DFND 2 0 0 10018 HEWLETT PACKARD ENTERPRISE C COM 42824C109 271656 16894 SH DFND 2 0 0 16894 HF SINCLAIR CORPORATION COM 403949100 220584 4251 SH DFND 2 0 0 4251 HOME DEPOT INC COM 437076102 3370028 10669 SH DFND 2 0 0 10669 HONEYWELL INTL INC COM 438516106 1305913 6094 SH DFND 2 0 0 6094 HP INC COM 40434L105 391611 14433 SH DFND 2 0 0 14433 HUBBELL INC COM 443510607 2426273 10339 SH DFND 2 0 0 10339 HUMANA INC COM 444859102 444076 867 SH DFND 2 0 0 867 HUNTINGTON INGALLS INDS INC COM 446413106 207259 898 SH DFND 2 0 0 898 HUNTSMAN CORP COM 447011107 236081 8591 SH DFND 2 0 0 8591 IDACORP INC COM 451107106 291303 2701 SH DFND 2 0 0 2701 IDEXX LABS INC COM 45168D104 222746 546 SH DFND 2 0 0 546 ILLINOIS TOOL WKS INC COM 452308109 592039 2671 SH DFND 2 0 0 2671 INGREDION INC COM 457187102 309067 3156 SH DFND 2 0 0 3156 INTEL CORP COM 458140100 1030584 38993 SH DFND 2 0 0 38993 INTERNATIONAL BUSINESS MACHS COM 459200101 823825 5847 SH DFND 2 0 0 5847 INTERPUBLIC GROUP COS INC COM 460690100 599091 17985 SH DFND 2 0 0 17985 INTUIT COM 461202103 1721000 4422 SH DFND 2 0 0 4422 INVESCO ACTIVELY MANAGD ETF TOTAL RETURN 46090A804 880829 18955 SH DFND 2 0 0 18955 INVESCO DB COMMDY INDX TRCK UNIT 46138B103 414796 16827 SH DFND 2 0 0 16827 INVESCO EXCHANGE TRADED FD T DIVID ACHIEVEV 46137V506 4267876 116864 SH DFND 2 0 0 116864 INVESCO QQQ TR UNIT SER 1 46090E103 2118334 7955 SH DFND 2 0 0 7955 ISHARES EM MK MINVOL ETF 464286533 1213358 22872 SH DFND 2 0 0 22872 ISHARES MSCI FRNTR100ETF 464286145 305640 12000 SH DFND 2 0 0 12000 ISHARES INC ESG MSCI EM ETF 46434G863 2676850 89021 SH DFND 2 0 0 89021 ISHARES INC CORE MSCI EMKT 46434G103 33154545 709947 SH DFND 2 0 0 709947 ISHARES TR RUS 2000 VAL ETF 464287630 394436 2844 SH DFND 2 0 0 2844 ISHARES TR GL CLEAN ENE ETF 464288224 375769 18930 SH DFND 2 0 0 18930 ISHARES TR SP SMCP600GR ETF 464287887 513094 4748 SH DFND 2 0 0 4748 ISHARES TR USA MIN VOL ETF 46429B697 19858450 275429 SH DFND 2 0 0 275429 ISHARES TR ESG MSCI USA SML 46435U663 16094214 489483 SH DFND 2 0 0 489483 ISHARES TR CORE US AGGBD ET 464287226 12473734 128608 SH DFND 2 0 0 128608 ISHARES TR CORE MSCI EAFE 46432F842 89240422 1447768 SH DFND 2 0 0 1447768 ISHARES TR MSCI EMG MKT ETF 464287234 10270820 270998 SH DFND 2 0 0 270998 ISHARES TR IBOXX HI YD ETF 464288513 344783 4683 SH DFND 2 0 0 4683 ISHARES TR CORE MSCI INTL 46435G326 9828737 175576 SH DFND 2 0 0 175576 ISHARES TR MSCI EAFE ETF 464287465 15680341 238884 SH DFND 2 0 0 238884 ISHARES TR 0-5 YR TIPS ETF 46429B747 406081 4188 SH DFND 2 0 0 4188 ISHARES TR NATIONAL MUN ETF 464288414 41599199 394230 SH DFND 2 0 0 394230 ISHARES TR ESG MSCI EAFE 46435G516 48625702 739667 SH DFND 2 0 0 739667 ISHARES TR RUS 1000 VAL ETF 464287598 1599047 10544 SH DFND 2 0 0 10544 ISHARES TR CORE S&P MCP ETF 464287507 62921799 260126 SH DFND 2 0 0 260126 ISHARES TR CORE S&P500 ETF 464287200 110898949 288641 SH DFND 2 0 0 288641 ISHARES TR U.S. PFD STK ETF 464288687 331239 10850 SH DFND 2 0 0 10850 ISHARES TR GLOBAL ENERG ETF 464287341 357376 9166 SH DFND 2 0 0 9166 ISHARES TR USA ESG SLCT ETF 464288802 500506 6080 SH DFND 2 0 0 6080 ISHARES TR RUS MID-CAP ETF 464287499 281105 4168 SH DFND 2 0 0 4168 ISHARES TR RUS 1000 ETF 464287622 500050 2375 SH DFND 2 0 0 2375 ISHARES TR S&P MC 400GR ETF 464287606 469283 6871 SH DFND 2 0 0 6871 ISHARES TR S&P MC 400VL ETF 464287705 626956 6220 SH DFND 2 0 0 6220 ISHARES TR SP SMCP600VL ETF 464287879 618332 6772 SH DFND 2 0 0 6772 ISHARES TR RUSSELL 2000 ETF 464287655 60854750 349018 SH DFND 2 0 0 349018 ISHARES TR EAFE SML CP ETF 464288273 2604375 46111 SH DFND 2 0 0 46111 ISHARES TR US HLTHCARE ETF 464287762 1197796 4222 SH DFND 2 0 0 4222 ISHARES TR JP MOR EM MK ETF 464288281 7238920 85577 SH DFND 2 0 0 85577 ISHARES TR CORE S&P SCP ETF 464287804 2768535 29253 SH DFND 2 0 0 29253 ISHARES TR RUSSELL 3000 ETF 464287689 924886 4191 SH DFND 2 0 0 4191 ISHARES TR TIPS BD ETF 464287176 894488 8404 SH DFND 2 0 0 8404 ISHARES TR CORE US VAL ETF 464287663 246852 3495 SH DFND 2 0 0 3495 ISHARES TR RUS 2000 GRW ETF 464287648 1235456 5759 SH DFND 2 0 0 5759 ISHARES TR ESG MSCI USA ETF 46435G425 823253 9714 SH DFND 2 0 0 9714 ISHARES TR SELECT DIVID ETF 464287168 9043888 74991 SH DFND 2 0 0 74991 ISHARES TR S&P 500 VAL ETF 464287408 8692534 59920 SH DFND 2 0 0 59920 ISHARES TR EAFE MIN VOL ETF 46429B689 1910232 30042 SH DFND 2 0 0 30042 ISHARES TR RUS 1000 GRW ETF 464287614 2233336 10424 SH DFND 2 0 0 10424 ISHARES TR S&P 500 GRWT ETF 464287309 8438919 144255 SH DFND 2 0 0 144255 ISHARES TR SHRT NAT MUN ETF 464288158 6806554 65278 SH DFND 2 0 0 65278 ISHARES TR ESG AWR US AGRGT 46435U549 1470085 31452 SH DFND 2 0 0 31452 ISHARES TR ESG AWARE MSCI ESG MSCI USA SML 46435U663 255643 7775 SH DFND 1 981 0 7775 ISHARES TR SHRT NAT MUN ETF SHRT NAT MUN ETF 464288158 8837508 84756 SH DFND 1 84756 0 84756 J P MORGAN EXCHANGE TRADED F INFLATION MANAGE 46654Q104 476883 10370 SH DFND 2 0 0 10370 J P MORGAN EXCHANGE-TRADED F EQUITY PREMIUM 46641Q332 1223210 22215 SH DFND 2 0 0 22215 JOHNSON & JOHNSON COM 478160104 4905202 27768 SH DFND 2 0 0 27768 JOHNSON CTLS INTL PLC SHS G51502105 637030 9899 SH DFND 2 0 0 9899 JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 41933363 834165 SH DFND 2 0 0 834165 JPMORGAN CHASE & CO COM 46625H100 7660643 57126 SH DFND 2 0 0 57126 KIMBERLY CLARK CORP COM 494368103 624232 4559 SH DFND 2 0 0 4559 KINDER MORGAN INC DEL COM 49456B101 194812 10775 SH DFND 2 0 0 10775 KROGER CO COM 501044101 292455 6560 SH DFND 2 0 0 6560 L3HARRIS TECHNOLOGIES INC COM 502431109 893094 4289 SH DFND 2 0 0 4289 LAM RESEARCH CORP COM 512807108 636203 1508 SH DFND 2 0 0 1508 LAUDER ESTEE COS INC CL A 518439104 267958 1080 SH DFND 2 0 0 1080 LCI INDS COM 50189K103 259507 2807 SH DFND 2 0 0 2807 LILLY ELI & CO COM 532457108 3317968 9069 SH DFND 2 0 0 9069 LINCOLN ELEC HLDGS INC COM 533900106 323436 2229 SH DFND 2 0 0 2229 LINDE PLC COM G5494J103 1919063 5883 SH DFND 2 0 0 5883 LITTELFUSE INC COM 537008104 291765 1325 SH DFND 2 0 0 1325 LOCKHEED MARTIN CORP COM 539830109 4447102 9141 SH DFND 2 0 0 9141 LOWES COS INC COM 548661107 1527425 7666 SH DFND 2 0 0 7666 M D C HLDGS INC COM 552676108 269832 8539 SH DFND 2 0 0 8539 MARATHON OIL CORP COM 565849106 561892 20757 SH DFND 2 0 0 20757 MARATHON PETE CORP COM 56585A102 1840242 15811 SH DFND 2 0 0 15811 MARRIOTT INTL INC NEW CL A 571903202 960454 6451 SH DFND 2 0 0 6451 MARSH & MCLENNAN COS INC COM 571748102 410284 2479 SH DFND 2 0 0 2479 MASTERCARD INC CL A 57636Q104 1503252 4323 SH DFND 2 0 0 4323 MATCH GROUP INC NEW COM 57667L107 356565 8594 SH DFND 2 0 0 8594 MCDONALDS CORP COM 580135101 1309739 4970 SH DFND 2 0 0 4970 MCKESSON CORP COM 58155Q103 663046 1765 SH DFND 2 0 0 1765 MEDTRONIC PLC SHS G5960L103 710766 9071 SH DFND 2 0 0 9071 MERCK & CO INC NEW COM 58933Y105 5749768 51492 SH DFND 2 0 0 51492 METLIFE INC COM 59156R108 208650 2883 SH DFND 2 0 0 2883 METTLER TOLEDO INTERNATIONAL COM 592688105 346908 240 SH DFND 2 0 0 240 MICROSOFT CORP COM 594918104 18265933 76165 SH DFND 2 0 0 76165 MKS INSTRUMENT INC COM 55306N104 318924 3764 SH DFND 2 0 0 3764 MONDELEZ INTL INC CL A 609207105 754223 11251 SH DFND 2 0 0 11251 MONOLITHIC PWR SYS INC COM 609839105 263830 745 SH DFND 2 0 0 745 MOODYS CORP COM 615369105 987196 3543 SH DFND 2 0 0 3543 MORGAN STANLEY COM NEW 617446448 1111593 13074 SH DFND 2 0 0 13074 MOTOROLA SOLUTIONS INC COM NEW 620076307 295353 1142 SH DFND 2 0 0 1142 MSA SAFETY INC COM 553498106 257235 1784 SH DFND 2 0 0 1784 NETFLIX INC COM 64110L106 1222278 4145 SH DFND 2 0 0 4145 NEWMONT MINING CORP COM 651639106 717894 15210 SH DFND 2 0 0 15210 NEXTERA ENERGY INC COM 65339F101 3377838 40405 SH DFND 2 0 0 40405 NIKE INC CL B 654106103 1891117 16162 SH DFND 2 0 0 16162 NISOURCE INC COM 65473P105 296657 10819 SH DFND 2 0 0 10819 NITED PARCEL SERVICE INC CL B 911312106 2230570 12831 SH DFND 2 0 0 12831 NORDSON CORP COM 655663102 304160 1276 SH DFND 2 0 0 1276 NORFOLK SOUTHERN CORP COM 655844108 936304 3800 SH DFND 2 0 0 3800 NORTHROP GRUMMAN CORP COM 666807102 354776 650 SH DFND 2 0 0 650 NOV INC COM 62955J103 364175 17433 SH DFND 2 0 0 17433 NUSHARES ETF TR NUVEEN ESG EMRGN 67092P888 255926 10060 SH DFND 2 0 0 10060 NVENT ELECTRIC PLC SHS G6700G107 274612 7138 SH DFND 2 0 0 7138 NVIDIA CORP COM 67066G104 3366274 23035 SH DFND 2 0 0 23035 O REILLY AUTOMOTIVE INC NEW COM 67103H107 449868 533 SH DFND 2 0 0 533 OMNICOM GROUP INC COM 681919106 899229 10926 SH DFND 2 0 0 10926 ORACLE CORP COM 68389X105 1896046 23196 SH DFND 2 0 0 23196 ORGANON & CO COMMON STOCK 68622V106 250657 8974 SH DFND 2 0 0 8974 ORMAT TECHNOLOGIES INC COM 686688102 443469 5128 SH DFND 2 0 0 5128 PACKAGING CORP AMER COM 695156109 236022 1827 SH DFND 2 0 0 1827 PAPA JOHNS INTL INC COM 698813102 200672 2438 SH DFND 2 0 0 2438 PAYCHEX INC COM 704326107 366505 3172 SH DFND 2 0 0 3172 PAYPAL HLDGS INC COM 70450Y103 294708 4138 SH DFND 2 0 0 4138 PEPSICO INC COM 713448108 4263932 23445 SH DFND 2 0 0 23445 PFIZER INC COM 717081103 3919234 76488 SH DFND 2 0 0 76488 PHILIP MORRIS INTL INC COM 718172109 1994080 19459 SH DFND 2 0 0 19459 PHILLIPS 66 COM 718546104 607934 5841 SH DFND 2 0 0 5841 PIMCO ETF TR ENHAN SHRT MA AC 72201R833 1070931 10820 SH DFND 2 0 0 10820 PIMCO ETF TR ENHANCD SHORT 72201R643 243458 2485 SH DFND 2 0 0 2485 PNC FINL SVCS GROUP INC COM 693475105 1467700 9293 SH DFND 2 0 0 9293 PPG INDS INC COM 693506107 1070460 8513 SH DFND 2 0 0 8513 PROCTER & GAMBLE CO COM 742718109 1413910 9329 SH DFND 2 0 0 9329 PROGRESSIVE CORP OHIO COM 743315103 957058 7378 SH DFND 2 0 0 7378 PRUDENTIAL FINL INC COM 744320102 517703 5205 SH DFND 2 0 0 5205 QUALCOMM INC COM 747525103 666628 6064 SH DFND 2 0 0 6064 QURATE RETAIL INC COM SER A 74915M100 53542 32848 SH DFND 2 0 0 32848 RAYMOND JAMES FINANCIAL INC COM 754730109 1703354 15879 SH DFND 2 0 0 15879 RAYTHEON TECHNOLOGIES CORP COM 75513E101 1709751 16942 SH DFND 2 0 0 16942 REGENERON PHARMACEUTICALS COM 75886F107 1276316 1769 SH DFND 2 0 0 1769 REGIONS FINL CORP NEW COM 7591EP100 1554049 71418 SH DFND 2 0 0 71418 REPLIGEN CORP COM 759916109 202664 1197 SH DFND 2 0 0 1197 RPM INTL INC COM 749685103 268280 2753 SH DFND 2 0 0 2753 S&P GLOBAL INC COM 78409V104 315315 941 SH DFND 2 0 0 941 SALESFORCE COM INC COM 79466L302 493500 3722 SH DFND 2 0 0 3722 SAREPTA THERAPEUTICS INC COM 803607100 368526 2844 SH DFND 2 0 0 2844 SCHLUMBERGER LTD COM 806857108 1500105 27971 SH DFND 2 0 0 27971 SCHWAB CHARLES CORP NEW COM 808513105 1477918 17751 SH DFND 2 0 0 17751 SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2421854 59784 SH DFND 2 0 0 59784 SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 3048754 46468 SH DFND 2 0 0 46468 SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 597530 13335 SH DFND 2 0 0 13335 SEELOS THERAPEUTICS INC COM 81577F109 20710 30500 SH DFND 2 0 0 30500 SELECT MED HLDGS CORP COM 81619Q105 273403 11011 SH DFND 2 0 0 11011 SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 320638 2360 SH DFND 2 0 0 2360 SELECT SECTOR SPDR TR SBI INT-ENERGY 81369Y506 995316 11379 SH DFND 2 0 0 11379 SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 1076609 14441 SH DFND 2 0 0 14441 SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 329861 9645 SH DFND 2 0 0 9645 SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 2162656 58561 SH DFND 2 0 0 58561 SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1907435 15328 SH DFND 2 0 0 15328 SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 1236050 17533 SH DFND 2 0 0 17533 SEMPRA ENERGY COM 816851109 2235036 14356 SH DFND 2 0 0 14356 SERVICENOW INC COM 81762P102 1313906 3384 SH DFND 2 0 0 3384 SERVISFIRST BANCSHARES INC COM 81768T108 221062 3195 SH DFND 2 0 0 3195 SHERWIN WILLIAMS CO COM 824348106 455560 1920 SH DFND 2 0 0 1920 SHOPIFY INC CL A 82509L107 540088 15560 SH DFND 2 0 0 15560 SNAP ON INC COM 833034101 293715 1285 SH DFND 2 0 0 1285 SNOWFLAKE INC CL A 833445109 477558 3327 SH DFND 2 0 0 3327 SOUTHERN CO COM 842587107 243001 3403 SH DFND 2 0 0 3403 SPDR GOLD TRUST GOLD SHS 78463V107 2988209 17615 SH DFND 2 0 0 17615 SPDR S&P 500 ETF TR TR UNIT 78462F103 37124313 97075 SH DFND 2 0 0 97075 SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 1716038 3876 SH DFND 2 0 0 3876 SPDR SERIES TRUST S&P 500 VALUE 78464A508 1324780 34065 SH DFND 2 0 0 34065 SPDR SERIES TRUST S&P 500 GROWTH 78464A409 3186188 62881 SH DFND 2 0 0 62881 SPDR SERIES TRUST S&P METALS MNG 78464A755 654090 13132 SH DFND 2 0 0 13132 SPDR SERIES TRUST S&P DIVID ETF 78464A763 362819 2900 SH DFND 2 0 0 2900 SPDR SERIES TRUST DJ REIT ETF 78464A607 5767939 66184 SH DFND 2 0 0 66184 SQUARE INC CL A 852234103 777331 12370 SH DFND 2 0 0 12370 SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 434567 10853 SH DFND 2 0 0 10853 STARBUCKS CORP COM 855244109 1484414 14964 SH DFND 2 0 0 14964 STATE STR CORP COM 857477103 660555 8447 SH DFND 2 0 0 8447 STERIS PLC STERIS PLC G8473T100 379909 2057 SH DFND 2 0 0 2057 STRYKER CORP COM 863667101 260408 1065 SH DFND 2 0 0 1065 T MOBILE US INC COM 872590104 882700 6305 SH DFND 2 0 0 6305 TARGA RES CORP COM 87612G101 237038 3225 SH DFND 2 0 0 3225 TARGET CORP COM 87612E106 2118707 14216 SH DFND 2 0 0 14216 TESLA MTRS INC COM 88160R101 2081619 16899 SH DFND 2 0 0 16899 TEXAS INSTRS INC COM 882508104 2666289 16138 SH DFND 2 0 0 16138 TEXTRON INC COM 883203101 794951 11228 SH DFND 2 0 0 11228 THERMO FISHER SCIENTIFIC INC COM 883556102 1946674 3533 SH DFND 2 0 0 3533 TIMKEN CO COM 887389104 259924 3678 SH DFND 2 0 0 3678 TJX COS INC NEW COM 872540109 561677 7056 SH DFND 2 0 0 7056 TRANE TECHNOLOGIES PLC SHS G8994E103 215494 1281 SH DFND 2 0 0 1281 TRAVELERS COMPANIES INC COM 89417E109 3079285 16424 SH DFND 2 0 0 16424 TRUIST FINL CORP COM 89832Q109 540944 12571 SH DFND 2 0 0 12571 TYSON FOODS INC CL A 902494103 857017 13767 SH DFND 2 0 0 13767 UBER TECHNOLOGIES INC COM 90353T100 549402 22216 SH DFND 2 0 0 22216 UNION PAC CORP COM 907818108 4176962 20172 SH DFND 2 0 0 20172 UNITEDHEALTH GROUP INC COM 91324P102 4857625 9162 SH DFND 2 0 0 9162 US BANCORP DEL COM NEW 902973304 356510 8086 SH DFND 2 0 0 8086 VANECK VECTORS ETF TR AGRIBUSINESS ETF 92189F700 797558 9291 SH DFND 2 0 0 9291 VANECK VECTORS ETF TR STEEL ETF 92189F205 384121 6641 SH DFND 2 0 0 6641 VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 546995 7266 SH DFND 2 0 0 7266 VANGUARD INDEX FDS SML CP GRW ETF 922908595 255875 1276 SH DFND 2 0 0 1276 VANGUARD INDEX FDS LARGE CAP ETF 922908637 5722310 32849 SH DFND 2 0 0 32849 VANGUARD INDEX FDS EXTEND MKT ETF 922908652 205442 1546 SH DFND 2 0 0 1546 VANGUARD INDEX FDS TOTAL STK MKT 922908769 2275259 11901 SH DFND 2 0 0 11901 VANGUARD INDEX FDS SM CP VAL ETF 922908611 555072 3495 SH DFND 2 0 0 3495 VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 363426 2022 SH DFND 2 0 0 2022 VANGUARD INDEX FDS GROWTH ETF 922908736 5690607 26703 SH DFND 2 0 0 26703 VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 518827 3836 SH DFND 2 0 0 3836 VANGUARD INDEX FDS MID CAP ETF 922908629 650750 3193 SH DFND 2 0 0 3193 VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 98146902 279350 SH DFND 2 0 0 279350 VANGUARD INDEX FDS VALUE ETF 922908744 73508970 523680 SH DFND 2 0 0 523680 VANGUARD INDEX FDS REIT ETF 922908553 26419505 320314 SH DFND 2 0 0 320314 VANGUARD INDEX FDS SMALL CP ETF 922908751 32734514 178351 SH DFND 2 0 0 178351 VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 36193818 721855 SH DFND 2 0 0 721855 VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 415440 7494 SH DFND 2 0 0 7494 VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 286656 3326 SH DFND 2 0 0 3326 VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 10157232 260575 SH DFND 2 0 0 260575 VANGUARD MUN BD FD INC TAX-EXEMPT BD 922907746 298227 6026 SH DFND 2 0 0 6026 VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 213244 3869 SH DFND 2 0 0 3869 VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 249365 5478 SH DFND 2 0 0 5478 VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 999615 13295 SH DFND 2 0 0 13295 VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 597467 8490 SH DFND 2 0 0 8490 VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 4340366 28583 SH DFND 2 0 0 28583 VANGUARD STAR FD VG TL INTL STK F 921909768 264499 5114 SH DFND 2 0 0 5114 VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 2277528 54266 SH DFND 2 0 0 54266 VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 1411689 13046 SH DFND 2 0 0 13046 VANGUARD WORLD FD ESG US STK ETF 921910733 273109 4147 SH DFND 2 0 0 4147 VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 774318 7529 SH DFND 2 0 0 7529 VANGUARD WORLD FDS FINANCIALS ETF 92204A405 298046 3603 SH DFND 2 0 0 3603 VANGUARD WORLD FDS ENERGY ETF 92204A306 1456397 12009 SH DFND 2 0 0 12009 VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 905125 3649 SH DFND 2 0 0 3649 VANGUARD WORLD FDS INF TECH ETF 92204A702 738554 2312 SH DFND 2 0 0 2312 VANGUARD WORLD FDS UTILITIES ETF 92204A876 228813 1492 SH DFND 2 0 0 1492 VERISK ANALYTICS INC COM 92345Y106 369183 2093 SH DFND 2 0 0 2093 VERIZON COMMUNICATIONS INC COM 92343V104 1099156 27897 SH DFND 2 0 0 27897 VERTEX PHARMACEUTICALS INC COM 92532F100 1710155 5922 SH DFND 2 0 0 5922 VISA INC COM CL A 92826C839 4643552 22351 SH DFND 2 0 0 22351 VMWARE INC CL A COM 928563402 211393 1722 SH DFND 2 0 0 1722 WAL-MART STORES INC COM 931142103 1149374 8074 SH DFND 2 0 0 8074 WARNER BROS DISCOVERY INC COM SER A 934423104 97559 10291 SH DFND 2 0 0 10291 WARNER MUSIC GROUP CORP COM CL A 934550203 497739 14213 SH DFND 2 0 0 14213 WASTE MGMT INC DEL COM 94106L109 245240 1563 SH DFND 2 0 0 1563 WELLS FARGO & CO NEW COM 949746101 646861 15666 SH DFND 2 0 0 15666 WESTROCK CO COM 96145D105 362746 10317 SH DFND 2 0 0 10317 WILLIAMS SONOMA INC COM 969904101 220025 1915 SH DFND 2 0 0 1915 XYLEM INC COM 98419M100 784936 7099 SH DFND 2 0 0 7099 YUM BRANDS INC COM 988498101 457118 3569 SH DFND 2 0 0 3569 ZOETIS INC CL A 98978V103 1220328 8327 SH DFND 2 0 0 8327