0000950123-23-004328.txt : 20230510 0000950123-23-004328.hdr.sgml : 20230510 20230510162320 ACCESSION NUMBER: 0000950123-23-004328 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20230331 FILED AS OF DATE: 20230510 DATE AS OF CHANGE: 20230510 EFFECTIVENESS DATE: 20230510 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: 23906829 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 03-31-2023 03-31-2023 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 05-10-2023 2 613 2732782630 false 1 028-17246 Citizens Bank, National Association 2 028-19418 Clarfeld Financial Advisors, LLC INFORMATION TABLE 2 22735.xml INFORMATION TABLE FOR FORM 13F 10X GENOMICS INC CL A COM 88025U109 239674 4296 SH DFND 2 0 0 4296 3M CO COM 88579Y101 1117950 10636 SH DFND 1 10636 0 10636 3M CO COM 88579Y101 780895 7429 SH DFND 2 0 0 7429 8X8 INC NEW COM 282914100 48122 11540 SH DFND 2 0 0 11540 ABBOTT LABS COM 002824100 1671499 16507 SH DFND 1 16507 0 16507 ABBOTT LABS COM 002824100 829348 8190 SH DFND 2 0 0 8190 ABBVIE INC COM 00287Y109 1438952 9029 SH DFND 1 9029 0 9029 ABBVIE INC COM 00287Y109 2053936 12888 SH DFND 2 0 0 12888 ABRDN PLATINUM ETF TRUST PHYSCL PLATM SHS 003260106 2193872 23862 SH DFND 2 0 0 23862 ACCENTURE PLC IRELAND SHS CLASS A G1151C101 8892218 31112 SH DFND 1 31112 0 31112 ACCENTURE PLC IRELAND SHS CLASS A G1151C101 2628154 9195 SH DFND 2 0 0 9195 ACTIVISION BLIZZARD INC COM 00507V109 218554 2554 SH DFND 2 0 0 2554 ACUITY 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CONMED CORP COM 207410101 374720 3601 SH DFND 2 0 0 3601 CONOCOPHILLIPS COM 20825C104 4673485 47107 SH DFND 1 46657 0 47107 CONOCOPHILLIPS COM 20825C104 1048214 10502 SH DFND 2 0 0 10502 CONSOLIDATED EDISON INC COM 209115104 449075 4694 SH DFND 1 4694 0 4694 CONSOLIDATED EDISON INC COM 209115104 231037 2415 SH DFND 2 0 0 2415 CORE LABORATORIES N V COM N22717107 281975 12788 SH DFND 2 0 0 12788 CORTEVA INC COM 22052L104 693748 11503 SH DFND 2 0 0 11503 COSTAR GROUP INC COM 22160N109 598513 8693 SH DFND 2 0 0 8693 COSTCO WHSL CORP NEW COM 22160K105 8048799 16199 SH DFND 1 16199 0 16199 COSTCO WHSL CORP NEW COM 22160K105 2515715 5063 SH DFND 2 0 0 5063 CSX CORP COM 126408103 1019740 34059 SH DFND 2 0 0 34059 CULLEN FROST BANKERS INC COM 229899109 237963 2259 SH DFND 2 0 0 2259 CUMMINS INC COM 231021106 9336438 39084 SH DFND 1 39084 0 39084 CUMMINS INC COM 231021106 1748259 7319 SH DFND 2 0 0 7319 CVS HEALTH CORP COM 126650100 7448027 100229 SH DFND 1 100229 0 100229 CVS HEALTH CORP COM 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ENERGY INC COM 25278X109 351749 2602 SH DFND 2 0 0 2602 DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 554024 10513 SH DFND 2 0 0 10513 DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 3891463 116232 SH DFND 2 0 0 116232 DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 332590 10319 SH DFND 2 0 0 10319 DISNEY WALT CO COM DISNEY 254687106 1409630 14078 SH DFND 1 14078 0 14078 DISNEY WALT CO COM DISNEY 254687106 967356 9661 SH DFND 2 0 0 9661 DOLLAR GEN CORP NEW COM 256677105 537515 2554 SH DFND 1 2554 0 2554 DOMINION RES INC VA NEW COM 25746U109 382099 6834 SH DFND 2 0 0 6834 DOORDASH INC CL A 25809K105 332673 5234 SH DFND 2 0 0 5234 DOW INC COM 260557103 1131861 20647 SH DFND 2 0 0 20647 DUKE ENERGY CORP NEW COM NEW 26441C204 1855986 19239 SH DFND 1 19239 0 19239 DUKE ENERGY CORP NEW COM NEW 26441C204 829102 8594 SH DFND 2 0 0 8594 DUPONT DE NEMOURS INC COM 26614N102 1095821 15269 SH DFND 2 0 0 15269 EAST RES ACQUISITION CO UNIT 07/01/2027 274681204 99800 10000 SH DFND 1 10000 0 10000 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COM 311900104 274123 5082 SH DFND 2 0 0 5082 FEDERAL AGRIC MTG CORP CL C 313148306 259055 1945 SH DFND 2 0 0 1945 FIDELITY NATIONAL FINANCIAL FNF GROUP COM 31620R303 325198 9310 SH DFND 2 0 0 9310 FIDELITY NATL INFORMATION SV COM 31620M106 260632 4797 SH DFND 2 0 0 4797 FIRST SOLAR INC COM 336433107 337778 1553 SH DFND 2 0 0 1553 FIRST TR EXCHANGE TRADED FD FIRST TR ENH NEW 33739Q408 7795849 131001 SH DFND 2 0 0 131001 FIRST TR MID CAP CORE ALPHAD COM SHS 33735B108 1374584 15280 SH DFND 2 0 0 15280 FISERV INC COM 337738108 3720609 32917 SH DFND 1 32917 0 32917 FLEXSHARES TR READY ACC VARI 33939L886 690254 9228 SH DFND 2 0 0 9228 FLEXSHARES TR IBOXX 3R TARGT 33939L506 222267 9196 SH DFND 2 0 0 9196 FLEXSHARES TR MORNSTAR UPSTR 33939L407 490890 11608 SH DFND 2 0 0 11608 FLOOR & DECOR HLDGS INC CL A 339750101 371664 3784 SH DFND 2 0 0 3784 FORD MTR CO DEL COM PAR $0.01 345370860 279411 22175 SH DFND 2 0 0 22175 FORTINET INC COM 34959E109 5655950 85103 SH DFND 1 85103 0 85103 FORTINET INC COM 34959E109 947321 14254 SH DFND 2 0 0 14254 FRANKLIN ELEC INC COM 353514102 438882 4664 SH DFND 2 0 0 4664 FREEPORT-MCMORAN INC CL B 35671D857 5802630 141839 SH DFND 1 141839 0 141839 FREEPORT-MCMORAN INC CL B 35671D857 2381331 58209 SH DFND 2 0 0 58209 GALLAGHER ARTHUR J & CO COM 363576109 755653 3950 SH DFND 2 0 0 3950 GAP INC DEL COM 364760108 110731 11029 SH DFND 2 0 0 11029 GENERAL DYNAMICS CORP COM 369550108 389326 1706 SH DFND 1 1706 0 1706 GENERAL DYNAMICS CORP COM 369550108 1243208 5448 SH DFND 2 0 0 5448 GENERAL ELECTRIC CO COM 369604301 557826 5835 SH DFND 1 5835 0 5835 GENERAL ELECTRIC CO COM 369604301 394225 4124 SH DFND 2 0 0 4124 GENERAL MLS INC COM 370334104 345002 4037 SH DFND 1 4037 0 4037 GENERAL MLS INC COM 370334104 287038 3359 SH DFND 2 0 0 3359 GENUINE PARTS CO COM 372460105 1177989 7004 SH DFND 2 0 0 7004 GILEAD SCIENCES INC COM 375558103 1348262 16250 SH DFND 1 16250 0 16250 GILEAD SCIENCES INC COM 375558103 396360 4777 SH DFND 2 0 0 4777 GLOBAL X FDS GLOBAL X SILVER 37954Y848 1148831 37397 SH DFND 2 0 0 37397 GLOBAL X FDS GLOBAL X URANIUM 37954Y871 3375617 169374 SH DFND 2 0 0 169374 GLOBAL X FDS US INFR DEV ETF 37954Y673 518329 18283 SH DFND 2 0 0 18283 GLOBE LIFE INC COM 37959E102 763441 6939 SH DFND 2 0 0 6939 GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 207390 2071 SH DFND 2 0 0 2071 GOLDMAN SACHS GROUP INC COM 38141G104 412536 1261 SH DFND 2 0 0 1261 GRAINGER W W INC COM 384802104 1279809 1858 SH DFND 1 1858 0 1858 GRAINGER W W INC COM 384802104 365122 530 SH DFND 2 0 0 530 HALLIBURTON CO COM 406216101 1076979 34039 SH DFND 2 0 0 34039 HAMILTON LANE INC CL A 407497106 299654 4029 SH DFND 2 0 0 4029 HCA HOLDINGS INC COM 40412C101 7381783 27995 SH DFND 1 27995 0 27995 HCA HOLDINGS INC COM 40412C101 1323285 5019 SH DFND 2 0 0 5019 HERSHEY CO COM 427866108 7155410 28126 SH DFND 1 28126 0 28126 HERSHEY CO COM 427866108 2813715 11060 SH DFND 2 0 0 11060 HEWLETT PACKARD ENTERPRISE C COM 42824C109 174034 10842 SH DFND 2 0 0 10842 HF SINCLAIR CORPORATION COM 403949100 202422 4184 SH DFND 2 0 0 4184 HOME DEPOT INC COM 437076102 10398134 35234 SH DFND 1 35234 0 35234 HOME DEPOT INC COM 437076102 3245884 10999 SH DFND 2 0 0 10999 HONEYWELL INTL INC COM 438516106 3205082 16770 SH DFND 1 16770 0 16770 HONEYWELL INTL INC COM 438516106 1144044 5986 SH DFND 2 0 0 5986 HOWMET AEROSPACE INC COM 443201108 402896 9509 SH DFND 1 9509 0 9509 HP INC COM 40434L105 269725 9116 SH DFND 2 0 0 9116 HUBBELL INC COM 443510607 2515824 10340 SH DFND 2 0 0 10340 HUNTSMAN CORP COM 447011107 235050 8591 SH DFND 2 0 0 8591 IDACORP INC COM 451107106 292639 2701 SH DFND 2 0 0 2701 IDEXX LABS INC COM 45168D104 320051 640 SH DFND 2 0 0 640 ILLINOIS TOOL WKS INC COM 452308109 2476373 10172 SH DFND 1 10172 0 10172 ILLINOIS TOOL WKS INC COM 452308109 632262 2583 SH DFND 2 0 0 2583 ILLUMINA INC COM 452327109 260223 1119 SH DFND 2 0 0 1119 INGREDION INC COM 457187102 321060 3156 SH DFND 2 0 0 3156 INTEL CORP COM 458140100 551862 16892 SH DFND 1 16892 0 16892 INTEL CORP COM 458140100 1242167 38022 SH DFND 2 0 0 38022 INTERCONTINENTAL EXCHANGE IN COM 45866F104 446883 4285 SH DFND 1 4285 0 4285 INTERNATIONAL BUSINESS MACHS COM 459200101 882760 6734 SH DFND 1 6734 0 6734 INTERNATIONAL BUSINESS MACHS COM 459200101 1315006 10031 SH DFND 2 0 0 10031 INTERPUBLIC GROUP COS INC COM 460690100 648625 17417 SH DFND 2 0 0 17417 INTUIT COM 461202103 6381339 14313 SH DFND 1 14313 0 14313 INTUIT COM 461202103 1611907 3616 SH DFND 2 0 0 3616 INVESCO ACTIVELY MANAGD ETF TOTAL RETURN 46090A804 865084 18328 SH DFND 2 0 0 18328 INVESCO DB COMMDY INDX TRCK UNIT 46138B103 399483 16827 SH DFND 2 0 0 16827 INVESCO DB MULTI-SECTOR COMM AGRICULTURE FD 46140H106 2616789 128086 SH DFND 2 0 0 128086 INVESCO EXCHANGE TRADED FD T DIVID ACHIEVEV 46137V506 4295178 117355 SH DFND 2 0 0 117355 INVESCO QQQ TR UNIT SER 1 46090E103 2544261 7928 SH DFND 2 0 0 7928 ISHARES EM MK MINVOL ETF 464286533 1248123 22872 SH DFND 2 0 0 22872 ISHARES MSCI FRNTR100ETF 464286145 307080 12000 SH DFND 2 0 0 12000 ISHARES GOLD TR ISHARES 464285204 11636968 311399 SH DFND 2 0 0 311399 ISHARES INC CORE MSCI EMKT 46434G103 23976089 491414 SH DFND 1 491289 0 491414 ISHARES INC ESG MSCI EM ETF 46434G863 2815868 89449 SH DFND 2 0 0 89449 ISHARES INC CORE MSCI EMKT 46434G103 35190956 721274 SH DFND 2 0 0 721274 ISHARES SILVER TRUST ISHARES 46428Q109 3075814 139051 SH DFND 2 0 0 139051 ISHARES TR USA MIN VOL ETF 46429B697 2720912 37406 SH DFND 1 37406 0 37406 ISHARES TR RUS 1000 GRW ETF 464287614 787720 3224 SH DFND 1 3224 0 3224 ISHARES TR RUS 1000 ETF 464287622 204959 910 SH DFND 1 910 0 910 ISHARES TR CORE US AGGBD ET 464287226 1564448 15701 SH DFND 1 15701 0 15701 ISHARES TR EAFE GRWTH ETF 464288885 334438 3570 SH DFND 1 3570 0 3570 ISHARES TR S&P 500 GRWT ETF 464287309 1613350 25252 SH DFND 1 25252 0 25252 ISHARES TR S&P 500 VAL ETF 464287408 1120141 7381 SH DFND 1 7381 0 7381 ISHARES TR SELECT DIVID ETF 464287168 227329 1940 SH DFND 1 1940 0 1940 ISHARES TR NATIONAL MUN ETF 464288414 8549169 79350 SH DFND 1 79350 0 79350 ISHARES TR U.S. PFD STK ETF 464288687 245733 7871 SH DFND 1 7871 0 7871 ISHARES TR CORE S&P MCP ETF 464287507 64371922 257323 SH DFND 1 256266 0 257323 ISHARES TR RUS MID-CAP ETF 464287499 1789882 25599 SH DFND 1 25599 0 25599 ISHARES TR SHRT NAT MUN ETF 464288158 7775630 74280 SH DFND 1 74280 0 74280 ISHARES TR ESG AWR US AGRGT 46435U549 375541 7814 SH DFND 1 7814 0 7814 ISHARES TR MSCI EAFE ETF 464287465 22056768 308400 SH DFND 1 308400 0 308400 ISHARES TR JP MOR EM MK ETF 464288281 1407831 16317 SH DFND 1 16317 0 16317 ISHARES TR IBOXX INV CP ETF 464287242 332886 3037 SH DFND 1 3037 0 3037 ISHARES TR ESG MSCI USA SML 46435U663 260805 7673 SH DFND 1 879 0 7673 ISHARES TR 1-3 YR TR BD ETF 464287457 2661820 32398 SH DFND 1 32398 0 32398 ISHARES TR ESG MSCI EAFE 46435G516 252661 3517 SH DFND 1 3517 0 3517 ISHARES TR MSCI EMG MKT ETF 464287234 413541 10480 SH DFND 1 10480 0 10480 ISHARES TR CORE US TR BD 46429B267 797048 34091 SH DFND 1 34091 0 34091 ISHARES TR CORE S&P500 ETF 464287200 24663978 59998 SH DFND 1 59998 0 59998 ISHARES TR CORE S&P SCP ETF 464287804 1301485 13459 SH DFND 1 13459 0 13459 ISHARES TR CORE MSCI EAFE 46432F842 36900264 551986 SH DFND 1 551986 0 551986 ISHARES TR RUSSELL 2000 ETF 464287655 4060919 22763 SH DFND 1 22763 0 22763 ISHARES TR CORE MSCI INTL 46435G326 10523397 174027 SH DFND 2 0 0 174027 ISHARES TR JP MOR EM MK ETF 464288281 5720704 66304 SH DFND 2 0 0 66304 ISHARES TR CORE S&P MCP ETF 464287507 68275536 272927 SH DFND 2 0 0 272927 ISHARES TR RUS 1000 ETF 464287622 535405 2377 SH DFND 2 0 0 2377 ISHARES TR IBOXX HI YD ETF 464288513 357643 4734 SH DFND 2 0 0 4734 ISHARES TR EUROPE ETF 464287861 206332 4125 SH DFND 2 0 0 4125 ISHARES TR S&P MC 400VL ETF 464287705 641536 6242 SH DFND 2 0 0 6242 ISHARES TR S&P 500 GRWT ETF 464287309 9258843 144918 SH DFND 2 0 0 144918 ISHARES TR ESG AWR US AGRGT 46435U549 831578 17303 SH DFND 2 0 0 17303 ISHARES TR 7-10 Y TR BD ETF 464287440 3825208 38592 SH DFND 2 0 0 38592 ISHARES TR EAFE MIN VOL ETF 46429B689 1859765 27491 SH DFND 2 0 0 27491 ISHARES TR EAFE SML CP ETF 464288273 2648996 44513 SH DFND 2 0 0 44513 ISHARES TR RUS 1000 VAL ETF 464287598 1604884 10540 SH DFND 2 0 0 10540 ISHARES TR US HLTHCARE ETF 464287762 1129182 4135 SH DFND 2 0 0 4135 ISHARES TR ESG MSCI USA ETF 46435G425 882139 9753 SH DFND 2 0 0 9753 ISHARES TR RUSSELL 3000 ETF 464287689 990215 4206 SH DFND 2 0 0 4206 ISHARES TR CORE S&P SCP ETF 464287804 2181401 22558 SH DFND 2 0 0 22558 ISHARES TR RUS 2000 GRW ETF 464287648 1178197 5194 SH DFND 2 0 0 5194 ISHARES TR NATIONAL MUN ETF 464288414 39435755 366027 SH DFND 2 0 0 366027 ISHARES TR CORE S&P500 ETF 464287200 118423353 288079 SH DFND 2 0 0 288079 ISHARES TR GLOBAL ENERG ETF 464287341 346102 9166 SH DFND 2 0 0 9166 ISHARES TR RUS MID-CAP ETF 464287499 234385 3352 SH DFND 2 0 0 3352 ISHARES TR CORE US TR BD 46429B267 471251 20156 SH DFND 2 0 0 20156 ISHARES TR GL CLEAN ENE ETF 464288224 374444 18930 SH DFND 2 0 0 18930 ISHARES TR CORE US VAL ETF 464287663 257861 3495 SH DFND 2 0 0 3495 ISHARES TR 3-7 YR TR BD ETF 464288661 12503118 106274 SH DFND 2 0 0 106274 ISHARES TR ESG MSCI USA SML 46435U663 17226569 506813 SH DFND 2 0 0 506813 ISHARES TR CORE US AGGBD ET 464287226 12164693 122086 SH DFND 2 0 0 122086 ISHARES TR ESG MSCI EAFE 46435G516 53581857 745850 SH DFND 2 0 0 745850 ISHARES TR SP SMCP600VL ETF 464287879 601757 6430 SH DFND 2 0 0 6430 ISHARES TR CORE MSCI EAFE 46432F842 97009695 1451155 SH DFND 2 0 0 1451155 ISHARES TR S&P MC 400GR ETF 464287606 492273 6884 SH DFND 2 0 0 6884 ISHARES TR SHRT NAT MUN ETF 464288158 4973853 47515 SH DFND 2 0 0 47515 ISHARES TR RUS 1000 GRW ETF 464287614 2517660 10304 SH DFND 2 0 0 10304 ISHARES TR SP SMCP600GR ETF 464287887 501922 4565 SH DFND 2 0 0 4565 ISHARES TR 20 YR TR BD ETF 464287432 4020309 37796 SH DFND 2 0 0 37796 ISHARES TR S&P 500 VAL ETF 464287408 9472493 62418 SH DFND 2 0 0 62418 ISHARES TR TIPS BD ETF 464287176 243914 2212 SH DFND 2 0 0 2212 ISHARES TR SELECT DIVID ETF 464287168 8912347 76057 SH DFND 2 0 0 76057 ISHARES TR USA MIN VOL ETF 46429B697 19496111 268025 SH DFND 2 0 0 268025 ISHARES TR CORE US GRW ETF 464287671 218792 2465 SH DFND 2 0 0 2465 ISHARES TR MSCI EAFE ETF 464287465 17449375 243979 SH DFND 2 0 0 243979 ISHARES TR RUS 2000 VAL ETF 464287630 388827 2838 SH DFND 2 0 0 2838 ISHARES TR RUSSELL 2000 ETF 464287655 60625084 339827 SH DFND 2 0 0 339827 ISHARES TR MSCI EMG MKT ETF 464287234 10574199 267973 SH DFND 2 0 0 267973 J P MORGAN EXCHANGE TRADED F INFLATION MANAGE 46654Q104 610799 12862 SH DFND 2 0 0 12862 J P MORGAN EXCHANGE-TRADED F EQUITY PREMIUM 46641Q332 1550359 28395 SH DFND 2 0 0 28395 JOHNSON & JOHNSON COM 478160104 14149578 91288 SH DFND 1 91288 0 91288 JOHNSON & JOHNSON COM 478160104 6776916 43722 SH DFND 2 0 0 43722 JOHNSON CTLS INTL PLC SHS G51502105 599986 9900 SH DFND 2 0 0 9900 JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 33038232 656563 SH DFND 2 0 0 656563 JPMORGAN CHASE & CO COM 46625H100 17991793 138069 SH DFND 1 138069 0 138069 JPMORGAN CHASE & CO COM 46625H100 7526156 57756 SH DFND 2 0 0 57756 KB HOME COM 48666K109 225691 5617 SH DFND 2 0 0 5617 KEURIG DR PEPPER INC COM 49271V100 199698 5628 SH DFND 2 0 0 5628 KIMBERLY CLARK CORP COM 494368103 665243 4912 SH DFND 2 0 0 4912 KINDER MORGAN INC DEL COM 49456B101 324793 18549 SH DFND 2 0 0 18549 KROGER CO COM 501044101 238127 4823 SH DFND 2 0 0 4823 L3HARRIS TECHNOLOGIES INC COM 502431109 5754303 29323 SH DFND 1 29323 0 29323 L3HARRIS TECHNOLOGIES INC COM 502431109 850455 4334 SH DFND 2 0 0 4334 LABORATORY CORP AMER HLDGS COM NEW 50540R409 191464 835 SH DFND 2 0 0 835 LAM RESEARCH CORP COM 512807108 636518 1197 SH DFND 2 0 0 1197 LCI INDS COM 50189K103 308405 2807 SH DFND 2 0 0 2807 LILLY ELI & CO COM 532457108 11113987 32363 SH DFND 1 32363 0 32363 LILLY ELI & CO COM 532457108 3622117 10547 SH DFND 2 0 0 10547 LINCOLN ELEC HLDGS INC COM 533900106 378296 2229 SH DFND 2 0 0 2229 LINDE PLC SHS G54950103 9292288 26143 SH DFND 1 26143 0 26143 LINDE PLC SHS G54950103 2073433 5833 SH DFND 2 0 0 5833 LITTELFUSE INC COM 537008104 355219 1325 SH DFND 2 0 0 1325 LOCKHEED MARTIN CORP COM 539830109 286947 607 SH DFND 1 607 0 607 LOCKHEED MARTIN CORP COM 539830109 4313174 9124 SH DFND 2 0 0 9124 LOWES COS INC COM 548661107 1734340 8673 SH DFND 1 8673 0 8673 LOWES COS INC COM 548661107 1536756 7685 SH DFND 2 0 0 7685 M D C HLDGS INC COM 552676108 331911 8539 SH DFND 2 0 0 8539 MAGNACHIP SEMICONDUCTOR CORP COM 55933J203 148480 16000 SH DFND 2 0 0 16000 MARATHON OIL CORP COM 565849106 507497 21181 SH DFND 2 0 0 21181 MARATHON PETE CORP COM 56585A102 2131797 15811 SH DFND 2 0 0 15811 MARRIOTT INTL INC NEW CL A 571903202 7080981 42646 SH DFND 1 42646 0 42646 MARRIOTT INTL INC NEW CL A 571903202 1081091 6511 SH DFND 2 0 0 6511 MARSH & MCLENNAN COS INC COM 571748102 3696744 22196 SH DFND 1 22196 0 22196 MARSH & MCLENNAN COS INC COM 571748102 348128 2090 SH DFND 2 0 0 2090 MASTERCARD INC CL A 57636Q104 689389 1897 SH DFND 1 1897 0 1897 MASTERCARD INC CL A 57636Q104 1740375 4789 SH DFND 2 0 0 4789 MATCH GROUP INC NEW COM 57667L107 275218 7169 SH DFND 2 0 0 7169 MCDONALDS CORP COM 580135101 3023982 10815 SH DFND 1 10815 0 10815 MCDONALDS CORP COM 580135101 2230135 7976 SH DFND 2 0 0 7976 MCKESSON CORP COM 58155Q103 444866 1247 SH DFND 2 0 0 1247 MEDTRONIC PLC SHS G5960L103 368433 4570 SH DFND 1 4570 0 4570 MEDTRONIC PLC SHS G5960L103 732369 9008 SH DFND 2 0 0 9008 MERCK & CO INC NEW COM 58933Y105 16125121 151566 SH DFND 1 151566 0 151566 MERCK & CO INC NEW COM 58933Y105 6497801 60674 SH DFND 2 0 0 60674 META PLATFORMS INC CL A 30303M102 13016221 61415 SH DFND 1 61415 0 61415 META PLATFORMS INC CL A 30303M102 3708950 17500 SH DFND 2 0 0 17500 METLIFE INC COM 59156R108 456428 7878 SH DFND 2 0 0 7878 METTLER TOLEDO INTERNATIONAL COM 592688105 391734 256 SH DFND 2 0 0 256 MICROSOFT CORP COM 594918104 58778105 203878 SH DFND 1 203878 0 203878 MICROSOFT CORP COM 594918104 22810877 79122 SH DFND 2 0 0 79122 MKS INSTRUMENT INC COM 55306N104 356341 4021 SH DFND 2 0 0 4021 MONDELEZ INTL INC CL A 609207105 1190764 16986 SH DFND 2 0 0 16986 MONOLITHIC PWR SYS INC COM 609839105 376050 750 SH DFND 2 0 0 750 MOODYS CORP COM 615369105 306020 1000 SH DFND 1 1000 0 1000 MOODYS CORP COM 615369105 1188065 3882 SH DFND 2 0 0 3882 MORGAN STANLEY COM NEW 617446448 1088797 12401 SH DFND 2 0 0 12401 MOSAIC CO NEW COM 61945C103 193522 4218 SH DFND 2 0 0 4218 MOTOROLA SOLUTIONS INC COM NEW 620076307 385336 1343 SH DFND 2 0 0 1343 MSA SAFETY INC COM 553498106 238164 1784 SH DFND 2 0 0 1784 NETFLIX INC COM 64110L106 1217126 3523 SH DFND 2 0 0 3523 NEWMONT MINING CORP COM 651639106 684209 13958 SH DFND 2 0 0 13958 NEXTERA ENERGY INC COM 65339F101 16029091 207954 SH DFND 1 207954 0 207954 NEXTERA ENERGY INC COM 65339F101 3430149 44501 SH DFND 2 0 0 44501 NIKE INC CL B 654106103 9985986 81425 SH DFND 1 81425 0 81425 NIKE INC CL B 654106103 1611264 13102 SH DFND 2 0 0 13102 NISOURCE INC COM 65473P105 302499 10819 SH DFND 2 0 0 10819 NITED BANKSHARES INC WEST V COM 909907107 389066 11053 SH DFND 1 11053 0 11053 NITED PARCEL SERVICE INC CL B 911312106 7681869 39599 SH DFND 1 39599 0 39599 NITED PARCEL SERVICE INC CL B 911312106 2608525 13447 SH DFND 2 0 0 13447 NORDSON CORP COM 655663102 366729 1650 SH DFND 2 0 0 1650 NORFOLK SOUTHERN CORP COM 655844108 670132 3161 SH DFND 1 3161 0 3161 NORFOLK SOUTHERN CORP COM 655844108 853560 4026 SH DFND 2 0 0 4026 NORTHROP GRUMMAN CORP COM 666807102 853259 1848 SH DFND 1 1848 0 1848 NORTHROP GRUMMAN CORP COM 666807102 304036 658 SH DFND 2 0 0 658 NOV INC COM 62955J103 350376 18929 SH DFND 2 0 0 18929 NUSHARES ETF TR NUVEEN ESG EMRGN 67092P888 319484 11890 SH DFND 2 0 0 11890 NVENT ELECTRIC PLC SHS G6700G107 306528 7139 SH DFND 2 0 0 7139 NVIDIA CORP COM 67066G104 14592464 52534 SH DFND 1 52534 0 52534 NVIDIA CORP COM 67066G104 6287842 22637 SH DFND 2 0 0 22637 O REILLY AUTOMOTIVE INC NEW COM 67103H107 452506 533 SH DFND 2 0 0 533 OMNICOM GROUP INC COM 681919106 870022 9154 SH DFND 2 0 0 9154 ORACLE CORP COM 68389X105 9293249 100013 SH DFND 1 100013 0 100013 ORACLE CORP COM 68389X105 2576153 27724 SH DFND 2 0 0 27724 ORGANON & CO COMMON STOCK 68622V106 216873 9221 SH DFND 2 0 0 9221 ORMAT TECHNOLOGIES INC COM 686688102 348235 4108 SH DFND 2 0 0 4108 PACKAGING CORP AMER COM 695156109 284868 2035 SH DFND 2 0 0 2035 PARKER HANNIFIN CORP COM 701094104 195835 583 SH DFND 2 0 0 583 PAYCHEX INC COM 704326107 363495 3172 SH DFND 2 0 0 3172 PAYPAL HLDGS INC COM 70450Y103 288116 3794 SH DFND 1 3794 0 3794 PAYPAL HLDGS INC COM 70450Y103 409013 5386 SH DFND 2 0 0 5386 PEPSICO INC COM 713448108 13788715 75637 SH DFND 1 75637 0 75637 PEPSICO INC COM 713448108 5669260 31099 SH DFND 2 0 0 31099 PFIZER INC COM 717081103 1938082 47502 SH DFND 1 47502 0 47502 PFIZER INC COM 717081103 3349268 82090 SH DFND 2 0 0 82090 PHILIP MORRIS INTL INC COM 718172109 1918713 19481 SH DFND 2 0 0 19481 PHILLIPS 66 COM 718546104 486994 4804 SH DFND 2 0 0 4804 PIMCO ETF TR ENHAN SHRT MA AC 72201R833 1117669 11261 SH DFND 2 0 0 11261 PNC FINL SVCS GROUP INC COM 693475105 6156001 48434 SH DFND 1 48434 0 48434 PNC FINL SVCS GROUP INC COM 693475105 1136249 8940 SH DFND 2 0 0 8940 PPG INDS INC COM 693506107 565311 4232 SH DFND 1 4232 0 4232 PPG INDS INC COM 693506107 1138064 8520 SH DFND 2 0 0 8520 PROCTER & GAMBLE CO COM 742718109 3190144 21455 SH DFND 1 21455 0 21455 PROCTER & GAMBLE CO COM 742718109 2000294 13453 SH DFND 2 0 0 13453 PROGRESSIVE CORP OHIO COM 743315103 707146 4943 SH DFND 1 4943 0 4943 PROGRESSIVE CORP OHIO COM 743315103 1553495 10859 SH DFND 2 0 0 10859 PROLOGIS INC COM 74340W103 225085 1804 SH DFND 1 1804 0 1804 PROSHARES TR SHORT S&P 500 NE 74347B425 9657093 643806 SH DFND 2 0 0 643806 PROSHARES TR SHRT HGH YIELD 74347R131 4081093 222282 SH DFND 2 0 0 222282 PRUDENTIAL FINL INC COM 744320102 328500 3970 SH DFND 2 0 0 3970 PUBLIC STORAGE COM 74460D109 4635717 15343 SH DFND 1 15343 0 15343 QUALCOMM INC COM 747525103 872580 6839 SH DFND 2 0 0 6839 RAYMOND JAMES FINANCIAL INC COM 754730109 5345162 57308 SH DFND 1 57308 0 57308 RAYMOND JAMES FINANCIAL INC COM 754730109 1136014 12126 SH DFND 2 0 0 12126 RAYTHEON TECHNOLOGIES CORP COM 75513E101 1454456 14852 SH DFND 1 14852 0 14852 RAYTHEON TECHNOLOGIES CORP COM 75513E101 1650154 16850 SH DFND 2 0 0 16850 REGENERON PHARMACEUTICALS COM 75886F107 8949929 10892 SH DFND 1 10892 0 10892 REGENERON PHARMACEUTICALS COM 75886F107 1423954 1733 SH DFND 2 0 0 1733 REGIONS FINL CORP NEW COM 7591EP100 1797610 96854 SH DFND 1 96854 0 96854 REGIONS FINL CORP NEW COM 7591EP100 215626 10742 SH DFND 2 0 0 10742 ROYAL BK CDA MONTREAL QUE COM 780087102 461031 4824 SH DFND 2 0 0 4824 RPM INTL INC COM 749685103 240172 2753 SH DFND 2 0 0 2753 S&P GLOBAL INC COM 78409V104 3722826 10798 SH DFND 1 10798 0 10798 S&P GLOBAL INC COM 78409V104 348745 1012 SH DFND 2 0 0 1012 SALESFORCE COM INC COM 79466L302 884226 4426 SH DFND 2 0 0 4426 SCHEIN HENRY INC COM 806407102 502286 6160 SH DFND 1 6160 0 6160 SCHLUMBERGER LTD COM 806857108 8355780 170179 SH DFND 1 170179 0 170179 SCHLUMBERGER LTD COM 806857108 1373690 27841 SH DFND 2 0 0 27841 SCHWAB CHARLES CORP NEW COM 808513105 4527794 86441 SH DFND 1 86441 0 86441 SCHWAB CHARLES CORP NEW COM 808513105 1011348 19308 SH DFND 2 0 0 19308 SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 640538 13386 SH DFND 2 0 0 13386 SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2520237 60106 SH DFND 2 0 0 60106 SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 3226231 47549 SH DFND 2 0 0 47549 SELECT MED HLDGS CORP COM 81619Q105 284634 11011 SH DFND 2 0 0 11011 SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 497789 13317 SH DFND 1 13317 0 13317 SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 1141339 14150 SH DFND 1 14150 0 14150 SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 385831 2555 SH DFND 1 2555 0 2555 SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 1114321 16462 SH DFND 2 0 0 16462 SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 1353264 36203 SH DFND 2 0 0 36203 SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 295408 2282 SH DFND 2 0 0 2282 SELECT SECTOR SPDR TR SBI INT-ENERGY 81369Y506 864259 10434 SH DFND 2 0 0 10434 SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 1051118 14069 SH DFND 2 0 0 14069 SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 337929 10511 SH DFND 2 0 0 10511 SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 2297146 15212 SH DFND 2 0 0 15212 SEMPRA ENERGY COM 816851109 2187765 14360 SH DFND 2 0 0 14360 SERVICENOW INC COM 81762P102 1339788 2883 SH DFND 2 0 0 2883 SERVISFIRST BANCSHARES INC COM 81768T108 201684 3673 SH DFND 2 0 0 3673 SHERWIN WILLIAMS CO COM 824348106 837043 3724 SH DFND 1 3724 0 3724 SHERWIN WILLIAMS CO COM 824348106 557263 2479 SH DFND 2 0 0 2479 SHOPIFY INC CL A 82509L107 616844 12867 SH DFND 2 0 0 12867 SNAP ON INC COM 833034101 335968 1361 SH DFND 2 0 0 1361 SNOWFLAKE INC CL A 833445109 459784 2980 SH DFND 2 0 0 2980 SOUTHERN CO COM 842587107 526929 7573 SH DFND 1 7573 0 7573 SOUTHERN CO COM 842587107 606814 8721 SH DFND 2 0 0 8721 SPDR GOLD TRUST GOLD SHS 78463V107 2830749 15450 SH DFND 2 0 0 15450 SPDR S&P 500 ETF TR TR UNIT 78462F103 36037374 88027 SH DFND 1 88027 0 88027 SPDR S&P 500 ETF TR TR UNIT 78462F103 33499363 81828 SH DFND 2 0 0 81828 SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 20889744 45570 SH DFND 1 45570 0 45570 SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 1688260 3683 SH DFND 2 0 0 3683 SPDR SERIES TRUST DJ REIT ETF 78464A607 5912834 66601 SH DFND 2 0 0 66601 SPDR SERIES TRUST S&P 500 GROWTH 78464A409 3320517 59980 SH DFND 2 0 0 59980 SPDR SERIES TRUST S&P METALS MNG 78464A755 700488 13177 SH DFND 2 0 0 13177 SPDR SERIES TRUST S&P 500 VALUE 78464A508 1346973 33079 SH DFND 2 0 0 33079 SPDR SERIES TRUST S&P REGL BKG 78464A698 325437 7420 SH DFND 2 0 0 7420 SPDR SERIES TRUST S&P DIVID ETF 78464A763 6684552 54034 SH DFND 2 0 0 54034 SQUARE INC CL A 852234103 699200 10185 SH DFND 2 0 0 10185 SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 487075 11871 SH DFND 2 0 0 11871 STARBUCKS CORP COM 855244109 266156 2556 SH DFND 1 2556 0 2556 STARBUCKS CORP COM 855244109 1594595 15314 SH DFND 2 0 0 15314 STATE STR CORP COM 857477103 640096 8387 SH DFND 2 0 0 8387 STERIS PLC STERIS PLC G8473T100 376278 1967 SH DFND 2 0 0 1967 STRYKER CORP COM 863667101 341993 1198 SH DFND 1 1198 0 1198 STRYKER CORP COM 863667101 327776 1148 SH DFND 2 0 0 1148 SYSCO CORP COM 871829107 578839 7495 SH DFND 1 7495 0 7495 SYSCO CORP COM 871829107 202431 2621 SH DFND 2 0 0 2621 T MOBILE US INC COM 872590104 4875141 33659 SH DFND 1 33659 0 33659 T MOBILE US INC COM 872590104 2268629 15663 SH DFND 2 0 0 15663 TAPESTRY INC COM 876030107 216434 5021 SH DFND 2 0 0 5021 TARGA RES CORP COM 87612G101 235264 3225 SH DFND 2 0 0 3225 TARGET CORP COM 87612E106 8554093 51646 SH DFND 1 51646 0 51646 TARGET CORP COM 87612E106 2369158 14304 SH DFND 2 0 0 14304 TELEFLEX INC COM 879369106 234312 925 SH DFND 1 925 0 925 TESLA MTRS INC COM 88160R101 8462880 40793 SH DFND 1 40793 0 40793 TESLA MTRS INC COM 88160R101 3445703 16609 SH DFND 2 0 0 16609 TEXAS INSTRS INC COM 882508104 14736630 79225 SH DFND 1 79225 0 79225 TEXAS INSTRS INC COM 882508104 3312866 17810 SH DFND 2 0 0 17810 TEXTRON INC COM 883203101 5208159 73739 SH DFND 1 73739 0 73739 TEXTRON INC COM 883203101 773260 10945 SH DFND 2 0 0 10945 THERMO FISHER SCIENTIFIC INC COM 883556102 13556950 23521 SH DFND 1 23521 0 23521 THERMO FISHER SCIENTIFIC INC COM 883556102 2043828 3544 SH DFND 2 0 0 3544 TIMKEN CO COM 887389104 300566 3678 SH DFND 2 0 0 3678 TJX COS INC NEW COM 872540109 4613886 58881 SH DFND 1 58881 0 58881 TJX COS INC NEW COM 872540109 1092316 13940 SH DFND 2 0 0 13940 TRACTOR SUPPLY CO COM 892356106 389461 1657 SH DFND 1 1657 0 1657 TRANE TECHNOLOGIES PLC SHS G8994E103 236106 1282 SH DFND 2 0 0 1282 TRAVELERS COMPANIES INC COM 89417E109 5356028 31247 SH DFND 1 31247 0 31247 TRAVELERS COMPANIES INC COM 89417E109 2889820 16859 SH DFND 2 0 0 16859 TRUIST FINL CORP COM 89832Q109 423286 12413 SH DFND 2 0 0 12413 TYSON FOODS INC CL A 902494103 5205563 87754 SH DFND 1 87754 0 87754 TYSON FOODS INC CL A 902494103 820438 13831 SH DFND 2 0 0 13831 UBER TECHNOLOGIES INC COM 90353T100 512557 16169 SH DFND 2 0 0 16169 ULTA SALON COSMETCS & FRAG I COM 90384S303 3448209 6319 SH DFND 1 6319 0 6319 ULTA SALON COSMETCS & FRAG I COM 90384S303 499834 916 SH DFND 2 0 0 916 UNION PAC CORP COM 907818108 1544872 7676 SH DFND 1 7676 0 7676 UNION PAC CORP COM 907818108 4070471 20225 SH DFND 2 0 0 20225 UNITED RENTALS INC COM 911363109 3259080 8235 SH DFND 1 8235 0 8235 UNITED RENTALS INC COM 911363109 531719 1344 SH DFND 2 0 0 1344 UNITEDHEALTH GROUP INC COM 91324P102 15019043 31780 SH DFND 1 31780 0 31780 UNITEDHEALTH GROUP INC COM 91324P102 4658273 9857 SH DFND 2 0 0 9857 US BANCORP DEL COM NEW 902973304 278819 7633 SH DFND 2 0 0 7633 VALERO ENERGY CORP NEW COM 91913Y100 190453 1364 SH DFND 2 0 0 1364 VANECK VECTORS ETF TR AGRIBUSINESS ETF 92189F700 769077 8854 SH DFND 2 0 0 8854 VANECK VECTORS ETF TR GOLD MINERS ETF 92189F106 1819749 56252 SH DFND 2 0 0 56252 VANECK VECTORS ETF TR STEEL ETF 92189F205 423303 6641 SH DFND 2 0 0 6641 VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 820745 10730 SH DFND 2 0 0 10730 VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 236335 4831 SH DFND 2 0 0 4831 VANGUARD INDEX FDS REIT ETF 922908553 18989172 228675 SH DFND 1 228588 0 228675 VANGUARD INDEX FDS MID CAP ETF 922908629 238972 1133 SH DFND 1 1133 0 1133 VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 39154152 104114 SH DFND 1 102824 0 104114 VANGUARD INDEX FDS VALUE ETF 922908744 17326866 125457 SH DFND 1 125368 0 125457 VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 394806 2026 SH DFND 2 0 0 2026 VANGUARD INDEX FDS GROWTH ETF 922908736 6643566 26634 SH DFND 2 0 0 26634 VANGUARD INDEX FDS REIT ETF 922908553 29466940 354852 SH DFND 2 0 0 354852 VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 517064 3857 SH DFND 2 0 0 3857 VANGUARD INDEX FDS TOTAL STK MKT 922908769 2374855 11636 SH DFND 2 0 0 11636 VANGUARD INDEX FDS SM CP VAL ETF 922908611 490331 3089 SH DFND 2 0 0 3089 VANGUARD INDEX FDS LARGE CAP ETF 922908637 5813562 31120 SH DFND 2 0 0 31120 VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 111724179 297083 SH DFND 2 0 0 297083 VANGUARD INDEX FDS MID CAP ETF 922908629 610007 2892 SH DFND 2 0 0 2892 VANGUARD INDEX FDS SML CP GRW ETF 922908595 276538 1278 SH DFND 2 0 0 1278 VANGUARD INDEX FDS EXTEND MKT ETF 922908652 248050 1769 SH DFND 2 0 0 1769 VANGUARD INDEX FDS VALUE ETF 922908744 70092057 507509 SH DFND 2 0 0 507509 VANGUARD INDEX FDS SMALL CP ETF 922908751 32607222 172015 SH DFND 2 0 0 172015 VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 7694761 143908 SH DFND 1 143908 0 143908 VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1310455 32437 SH DFND 1 32437 0 32437 VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 306929 3333 SH DFND 2 0 0 3333 VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 9802396 242634 SH DFND 2 0 0 242634 VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 34836327 651512 SH DFND 2 0 0 651512 VANGUARD MUN BD FD INC TAX-EXEMPT BD 922907746 303251 5986 SH DFND 2 0 0 5986 VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 784367 16850 SH DFND 1 16850 0 16850 VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1152598 15120 SH DFND 1 15120 0 15120 VANGUARD SCOTTSDALE FDS SHTRM GVT BD ETF 92206C102 483532 8260 SH DFND 2 0 0 8260 VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 243818 3877 SH DFND 2 0 0 3877 VANGUARD SCOTTSDALE FDS LONG-TERM GOV 92206C847 273003 4167 SH DFND 2 0 0 4167 VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 608999 13083 SH DFND 2 0 0 13083 VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1083508 14214 SH DFND 2 0 0 14214 VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 4417312 28682 SH DFND 2 0 0 28682 VANGUARD STAR FD VG TL INTL STK F 921909768 268875 4870 SH DFND 2 0 0 4870 VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 2369320 52453 SH DFND 2 0 0 52453 VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 629835 5970 SH DFND 1 5970 0 5970 VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 1613547 15294 SH DFND 2 0 0 15294 VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 765074 7573 SH DFND 2 0 0 7573 VANGUARD WORLD FD ESG US STK ETF 921910733 297998 4156 SH DFND 2 0 0 4156 VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 870255 3649 SH DFND 2 0 0 3649 VANGUARD WORLD FDS INF TECH ETF 92204A702 1048459 2720 SH DFND 2 0 0 2720 VANGUARD WORLD FDS FINANCIALS ETF 92204A405 282185 3623 SH DFND 2 0 0 3623 VANGUARD WORLD FDS UTILITIES ETF 92204A876 197972 1342 SH DFND 2 0 0 1342 VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 210627 834 SH DFND 2 0 0 834 VANGUARD WORLD FDS ENERGY ETF 92204A306 1378684 12069 SH DFND 2 0 0 12069 VERISK ANALYTICS INC COM 92345Y106 493218 2571 SH DFND 2 0 0 2571 VERIZON COMMUNICATIONS INC COM 92343V104 2445364 62879 SH DFND 1 62879 0 62879 VERIZON COMMUNICATIONS INC COM 92343V104 1044901 26868 SH DFND 2 0 0 26868 VERTEX PHARMACEUTICALS INC COM 92532F100 11699590 37133 SH DFND 1 37133 0 37133 VERTEX PHARMACEUTICALS INC COM 92532F100 1904913 6046 SH DFND 2 0 0 6046 VISA INC COM CL A 92826C839 16455998 72989 SH DFND 1 72989 0 72989 VISA INC COM CL A 92826C839 4711787 20899 SH DFND 2 0 0 20899 VMWARE INC CL A COM 928563402 238214 1908 SH DFND 2 0 0 1908 WAL-MART STORES INC COM 931142103 1262909 8565 SH DFND 1 8565 0 8565 WAL-MART STORES INC COM 931142103 1105418 7497 SH DFND 2 0 0 7497 WARNER BROS DISCOVERY INC COM SER A 934423104 211959 14037 SH DFND 1 14037 0 14037 WARNER BROS DISCOVERY INC COM SER A 934423104 209195 13854 SH DFND 2 0 0 13854 WARNER MUSIC GROUP CORP COM CL A 934550203 389728 11679 SH DFND 2 0 0 11679 WASTE MGMT INC DEL COM 94106L109 1272236 7797 SH DFND 1 7797 0 7797 WASTE MGMT INC DEL COM 94106L109 255455 1566 SH DFND 2 0 0 1566 WEC ENERGY GROUP INC COM 92939U106 431294 4550 SH DFND 1 4550 0 4550 WELLS FARGO & CO NEW COM 949746101 450536 12053 SH DFND 2 0 0 12053 WEST PHARMACEUTICAL SVSC INC COM 955306105 238799 689 SH DFND 2 0 0 689 WESTROCK CO COM 96145D105 314359 10317 SH DFND 2 0 0 10317 WILLIAMS SONOMA INC COM 969904101 387530 3185 SH DFND 2 0 0 3185 WISDOMTREE TR MIDCAP DIVI FD 97717W505 591587 14436 SH DFND 1 14436 0 14436 XYLEM INC COM 98419M100 702014 6705 SH DFND 2 0 0 6705 YUM BRANDS INC COM 988498101 535716 4056 SH DFND 1 4056 0 4056 YUM BRANDS INC COM 988498101 581944 4406 SH DFND 2 0 0 4406 ZOETIS INC CL A 98978V103 7225454 43412 SH DFND 1 43412 0 43412 ZOETIS INC CL A 98978V103 1729551 10391 SH DFND 2 0 0 10391