# EDGAR Filing Document

**Accession Number:** 0001964897
**File Stem:** 0001964897-25-000004
**Filing Date:** 2025-7
**Character Count:** 26653
**Document Hash:** f368ee7be895a15b8f4e74ffb801ea5c
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001964897-25-000004.hdr.sgml**: 20250721

**ACCESSION NUMBER**: 0001964897-25-000004

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250721

**DATE AS OF CHANGE**: 20250721

**EFFECTIVENESS DATE**: 20250721

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** River Street Advisors LLC
- **CENTRAL INDEX KEY:** 0001964897

**ORGANIZATION NAME:**
- **EIN:** 272503523
- **STATE OF INCORPORATION:** IL
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22846
- **FILM NUMBER:** 251136391

**BUSINESS ADDRESS:**
- **STREET 1:** 37 SOUTH RIVER STREET
- **CITY:** AURORA
- **STATE:** IL
- **ZIP:** 60506
- **BUSINESS PHONE:** 630-906-5501

**MAIL ADDRESS:**
- **STREET 1:** 37 SOUTH RIVER STREET
- **CITY:** AURORA
- **STATE:** IL
- **ZIP:** 60506

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 06-30-2025

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** River Street Advisors LLC<br>**Address:** 37 SOUTH RIVER STREET<br>AURORA, IL 60506

**Form 13F File Number:** 028-22846

**CRD Number (if applicable):** 000153537

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Richard Gartelmann<br>**Title:** CEO<br>**Phone:** 6308445730

**Signature, Place, and Date of Signing:**

Richard Gartelmann  Aurora, IL  07-21-2025<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 240

**Form 13F Information Table Value Total:** $232190021

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| ABBOTT LABS | COM | 002824100 |  | 1215584 | 8937 | SH |  | SOLE |  | 0 | 0 | 8937 |
| ABBOTT LABS | COM | 002824100 |  | 24890 | 183 | SH |  | DFND |  | 0 | 0 | 183 |
| ABBVIE INC | COM | 00287Y109 |  | 1992484 | 10734 | SH |  | SOLE |  | 0 | 0 | 10734 |
| ABBVIE INC | COM | 00287Y109 |  | 83529 | 450 | SH |  | DFND |  | 0 | 0 | 450 |
| ABBVIE INC | COM | 00287Y109 |  | 16521 | 89 | SH |  | OTR |  | 0 | 0 | 89 |
| ADOBE INC | COM | 00724F101 |  | 688647 | 1780 | SH |  | SOLE |  | 0 | 0 | 1780 |
| AES CORP | COM | 00130H105 |  | 323985 | 30797 | SH |  | SOLE |  | 0 | 0 | 30797 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 3391961 | 19247 | SH |  | SOLE |  | 0 | 0 | 19247 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 440105 | 2481 | SH |  | SOLE |  | 0 | 0 | 2481 |
| ALTRIA GROUP INC | COM | 02209S103 |  | 207492 | 3539 | SH |  | SOLE |  | 0 | 0 | 3539 |
| AMAZON COM INC | COM | 023135106 |  | 3137058 | 14299 | SH |  | SOLE |  | 0 | 0 | 14299 |
| AMPLIFY ETF TR | AMPLIFY CYBERSEC | 032108664 |  | 270339 | 3130 | SH |  | SOLE |  | 0 | 0 | 3130 |
| APPLE INC | COM | 037833100 |  | 6024026 | 29361 | SH |  | SOLE |  | 0 | 0 | 29361 |
| APPLE INC | COM | 037833100 |  | 64219 | 313 | SH |  | DFND |  | 0 | 0 | 313 |
| APPLE INC | COM | 037833100 |  | 259541 | 1265 | SH |  | OTR |  | 0 | 0 | 1265 |
| APTIV PLC | COM SHS | G3265R107 |  | 444863 | 6521 | SH |  | SOLE |  | 0 | 0 | 6521 |
| ARCHER AVIATION INC | COM CL A | 03945R102 |  | 217000 | 20000 | SH |  | SOLE |  | 0 | 0 | 20000 |
| ARISTA NETWORKS INC | COM SHS | 040413205 |  | 612837 | 5990 | SH |  | SOLE |  | 0 | 0 | 5990 |
| AXON ENTERPRISE INC | COM | 05464C101 |  | 269081 | 325 | SH |  | SOLE |  | 0 | 0 | 325 |
| BADGER METER INC | COM | 056525108 |  | 1281725 | 5233 | SH |  | SOLE |  | 0 | 0 | 5233 |
| BARCLAYS BANK PLC | IPATH SELCT MLP | 06742C723 |  | 537876 | 18345 | SH |  | SOLE |  | 0 | 0 | 18345 |
| BERKSHIRE HATHAWAY INC DEL | CL A | 084670108 |  | 728800 | 1 | SH |  | SOLE |  | 0 | 0 | 1 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1334896 | 2748 | SH |  | SOLE |  | 0 | 0 | 2748 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 48577 | 100 | SH |  | OTR |  | 0 | 0 | 100 |
| BLACKROCK INC | COM | 09290D101 |  | 2661423 | 2537 | SH |  | SOLE |  | 0 | 0 | 2537 |
| BLACKROCK INC | COM | 09290D101 |  | 19936 | 19 | SH |  | OTR |  | 0 | 0 | 19 |
| BLACKROCK LONG-TERM MUN ADVA | COM | 09250B103 |  | 173304 | 18899 | SH |  | SOLE |  | 0 | 0 | 18899 |
| BLACKROCK MUN INCOME TR | SH BEN INT | 09248F109 |  | 131067 | 13667 | SH |  | SOLE |  | 0 | 0 | 13667 |
| BLACKROCK MUNIASSETS FD INC | COM | 09254J102 |  | 111800 | 10750 | SH |  | SOLE |  | 0 | 0 | 10750 |
| BLACKROCK MUNIHOLDINGS FD IN | COM | 09253N104 |  | 155916 | 13921 | SH |  | SOLE |  | 0 | 0 | 13921 |
| BLACKROCK MUNIYIELD QUALITY | COM | 09254E103 |  | 139664 | 13314 | SH |  | SOLE |  | 0 | 0 | 13314 |
| BLACKROCK MUNIYILD QULT FD I | COM | 09254F100 |  | 172394 | 15517 | SH |  | SOLE |  | 0 | 0 | 15517 |
| BLACKSTONE INC | COM | 09260D107 |  | 2437015 | 16292 | SH |  | SOLE |  | 0 | 0 | 16292 |
| BLACKSTONE INC | COM | 09260D107 |  | 57589 | 385 | SH |  | DFND |  | 0 | 0 | 385 |
| BLACKSTONE INC | COM | 09260D107 |  | 16006 | 107 | SH |  | OTR |  | 0 | 0 | 107 |
| BROADCOM INC | COM | 11135F101 |  | 5720841 | 20754 | SH |  | SOLE |  | 0 | 0 | 20754 |
| BROADCOM INC | COM | 11135F101 |  | 33078 | 120 | SH |  | OTR |  | 0 | 0 | 120 |
| CAPITAL ONE FINL CORP | COM | 14040H105 |  | 1923351 | 9040 | SH |  | SOLE |  | 0 | 0 | 9040 |
| CAPITAL ONE FINL CORP | COM | 14040H105 |  | 18511 | 87 | SH |  | OTR |  | 0 | 0 | 87 |
| CARDINAL HEALTH INC | COM | 14149Y108 |  | 287784 | 1713 | SH |  | SOLE |  | 0 | 0 | 1713 |
| CATERPILLAR INC | COM | 149123101 |  | 3229131 | 8318 | SH |  | SOLE |  | 0 | 0 | 8318 |
| CHEVRON CORP NEW | COM | 166764100 |  | 1261934 | 8813 | SH |  | SOLE |  | 0 | 0 | 8813 |
| CHEVRON CORP NEW | COM | 166764100 |  | 9165 | 64 | SH |  | OTR |  | 0 | 0 | 64 |
| CHIPOTLE MEXICAN GRILL INC | COM | 169656105 |  | 665939 | 11860 | SH |  | SOLE |  | 0 | 0 | 11860 |
| COMCAST CORP NEW | CL A | 20030N101 |  | 433634 | 12150 | SH |  | SOLE |  | 0 | 0 | 12150 |
| COMCAST CORP NEW | CL A | 20030N101 |  | 1107 | 31 | SH |  | DFND |  | 0 | 0 | 31 |
| COMCAST CORP NEW | CL A | 20030N101 |  | 2035 | 57 | SH |  | OTR |  | 0 | 0 | 57 |
| CONSTELLATION ENERGY CORP | COM | 21037T109 |  | 471553 | 1461 | SH |  | SOLE |  | 0 | 0 | 1461 |
| CORNING INC | COM | 219350105 |  | 1773125 | 33716 | SH |  | SOLE |  | 0 | 0 | 33716 |
| CORNING INC | COM | 219350105 |  | 12307 | 234 | SH |  | OTR |  | 0 | 0 | 234 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 1364138 | 1378 | SH |  | SOLE |  | 0 | 0 | 1378 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 12870 | 13 | SH |  | OTR |  | 0 | 0 | 13 |
| CROWDSTRIKE HLDGS INC | CL A | 22788C105 |  | 193538 | 380 | SH |  | SOLE |  | 0 | 0 | 380 |
| CUMMINS INC | COM | 231021106 |  | 2157299 | 6587 | SH |  | SOLE |  | 0 | 0 | 6587 |
| CUMMINS INC | COM | 231021106 |  | 14738 | 45 | SH |  | DFND |  | 0 | 0 | 45 |
| CUMMINS INC | COM | 231021106 |  | 15393 | 47 | SH |  | OTR |  | 0 | 0 | 47 |
| DANAHER CORPORATION | COM | 235851102 |  | 614350 | 3110 | SH |  | SOLE |  | 0 | 0 | 3110 |
| DEERE  CO | COM | 244199105 |  | 330011 | 649 | SH |  | SOLE |  | 0 | 0 | 649 |
| DISNEY WALT CO | COM | 254687106 |  | 840416 | 6777 | SH |  | SOLE |  | 0 | 0 | 6777 |
| DWS MUN INCOME TR NEW | COM | 233368109 |  | 96710 | 10940 | SH |  | SOLE |  | 0 | 0 | 10940 |
| EATON CORP PLC | SHS | G29183103 |  | 1765316 | 4945 | SH |  | SOLE |  | 0 | 0 | 4945 |
| EATON CORP PLC | SHS | G29183103 |  | 20706 | 58 | SH |  | OTR |  | 0 | 0 | 58 |
| EDWARDS LIFESCIENCES CORP | COM | 28176E108 |  | 409821 | 5240 | SH |  | SOLE |  | 0 | 0 | 5240 |
| ELI LILLY  CO | COM | 532457108 |  | 2605283 | 3342 | SH |  | SOLE |  | 0 | 0 | 3342 |
| ELI LILLY  CO | COM | 532457108 |  | 162143 | 208 | SH |  | DFND |  | 0 | 0 | 208 |
| ELI LILLY  CO | COM | 532457108 |  | 10134 | 13 | SH |  | OTR |  | 0 | 0 | 13 |
| ENBRIDGE INC | COM | 29250N105 |  | 1010161 | 22290 | SH |  | SOLE |  | 0 | 0 | 22290 |
| ENBRIDGE INC | COM | 29250N105 |  | 14775 | 326 | SH |  | OTR |  | 0 | 0 | 326 |
| EOG RES INC | COM | 26875P101 |  | 1305139 | 10912 | SH |  | SOLE |  | 0 | 0 | 10912 |
| EOG RES INC | COM | 26875P101 |  | 10048 | 84 | SH |  | OTR |  | 0 | 0 | 84 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 156957 | 1456 | SH |  | SOLE |  | 0 | 0 | 1456 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 38054 | 353 | SH |  | DFND |  | 0 | 0 | 353 |
| FEDERATED HERMES ETF TRUST | HERMES TOTAL RET | 31423L404 |  | 1306355 | 52046 | SH |  | SOLE |  | 0 | 0 | 52046 |
| FEDERATED HERMES ETF TRUST | HERMES TOTAL RET | 31423L404 |  | 1883 | 75 | SH |  | OTR |  | 0 | 0 | 75 |
| FIRST TR EXCHANGE TRADED FD | NASDAQ CYB ETF | 33734X846 |  | 798881 | 10570 | SH |  | SOLE |  | 0 | 0 | 10570 |
| FISERV INC | COM | 337738108 |  | 284649 | 1651 | SH |  | SOLE |  | 0 | 0 | 1651 |
| FORTINET INC | COM | 34959E109 |  | 402265 | 3805 | SH |  | SOLE |  | 0 | 0 | 3805 |
| FRANKLIN TEMPLETON ETF TR | FRANKLIN INDIA | 35473P769 |  | 5941153 | 149163 | SH |  | SOLE |  | 0 | 0 | 149163 |
| FRANKLIN TEMPLETON ETF TR | FRANKLIN INDIA | 35473P769 |  | 44491 | 1117 | SH |  | OTR |  | 0 | 0 | 1117 |
| HOME DEPOT INC | COM | 437076102 |  | 1394925 | 3805 | SH |  | SOLE |  | 0 | 0 | 3805 |
| HOME DEPOT INC | COM | 437076102 |  | 11366 | 31 | SH |  | OTR |  | 0 | 0 | 31 |
| HONEYWELL INTL INC | COM | 438516106 |  | 1364095 | 5858 | SH |  | SOLE |  | 0 | 0 | 5858 |
| HONEYWELL INTL INC | COM | 438516106 |  | 45412 | 195 | SH |  | DFND |  | 0 | 0 | 195 |
| HONEYWELL INTL INC | COM | 438516106 |  | 13740 | 59 | SH |  | OTR |  | 0 | 0 | 59 |
| INGREDION INC | COM | 457187102 |  | 926828 | 6834 | SH |  | SOLE |  | 0 | 0 | 6834 |
| INGREDION INC | COM | 457187102 |  | 12206 | 90 | SH |  | OTR |  | 0 | 0 | 90 |
| INVESCO ADVANTAGE MUN INCOME | SH BEN INT | 46132E103 |  | 164136 | 19610 | SH |  | SOLE |  | 0 | 0 | 19610 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2025 MUNI | 46138J528 |  | 366702 | 14943 | SH |  | SOLE |  | 0 | 0 | 14943 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2026 CB | 46138J791 |  | 5734492 | 293775 | SH |  | SOLE |  | 0 | 0 | 293775 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2026 CB | 46138J791 |  | 41637 | 2133 | SH |  | OTR |  | 0 | 0 | 2133 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2026 MUNI | 46138J510 |  | 431196 | 18302 | SH |  | SOLE |  | 0 | 0 | 18302 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2027 CB | 46138J783 |  | 2561174 | 130340 | SH |  | SOLE |  | 0 | 0 | 130340 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2027 CB | 46138J783 |  | 22618 | 1151 | SH |  | OTR |  | 0 | 0 | 1151 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2027 MUNI | 46138J494 |  | 259109 | 11040 | SH |  | SOLE |  | 0 | 0 | 11040 |
| INVESCO EXCH TRD SLF IDX FD | INVSCO BLSH 26 | 46138J635 |  | 4140657 | 177482 | SH |  | SOLE |  | 0 | 0 | 177482 |
| INVESCO EXCH TRD SLF IDX FD | INVSCO BLSH 26 | 46138J635 |  | 257 | 11 | SH |  | OTR |  | 0 | 0 | 11 |
| INVESCO MUNI INCOME OPP TRST | COM | 46132X101 |  | 106088 | 18450 | SH |  | SOLE |  | 0 | 0 | 18450 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 2174565 | 3942 | SH |  | SOLE |  | 0 | 0 | 3942 |
| INVESCO QUALITY MUN INCOME T | COM | 46133G107 |  | 142717 | 15215 | SH |  | SOLE |  | 0 | 0 | 15215 |
| INVESCO VALUE MUN INCOME TR | COM | 46132P108 |  | 145663 | 12514 | SH |  | SOLE |  | 0 | 0 | 12514 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 233457 | 3889 | SH |  | SOLE |  | 0 | 0 | 3889 |
| ISHARES SILVER TR | ISHARES | 46428Q109 |  | 428991 | 13075 | SH |  | SOLE |  | 0 | 0 | 13075 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 618754 | 7412 | SH |  | SOLE |  | 0 | 0 | 7412 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 13656339 | 220192 | SH |  | SOLE |  | 0 | 0 | 220192 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 108225 | 1745 | SH |  | OTR |  | 0 | 0 | 1745 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 494247 | 3660 | SH |  | SOLE |  | 0 | 0 | 3660 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 32275 | 239 | SH |  | OTR |  | 0 | 0 | 239 |
| ISHARES TR | CORE S ETF | 464287200 |  | 1136247 | 1830 | SH |  | SOLE |  | 0 | 0 | 1830 |
| ISHARES TR | CRE U S REIT ETF | 464288521 |  | 785223 | 13883 | SH |  | SOLE |  | 0 | 0 | 13883 |
| ISHARES TR | CRE U S REIT ETF | 464288521 |  | 623 | 11 | SH |  | OTR |  | 0 | 0 | 11 |
| ISHARES TR | MBS ETF | 464288588 |  | 743797 | 7922 | SH |  | SOLE |  | 0 | 0 | 7922 |
| ISHARES TR | MSCI AC ASIA ETF | 464288182 |  | 264219 | 3198 | SH |  | SOLE |  | 0 | 0 | 3198 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 281606 | 1305 | SH |  | SOLE |  | 0 | 0 | 1305 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 710256 | 6451 | SH |  | SOLE |  | 0 | 0 | 6451 |
| ISHARES TR | S MC 400GR ETF | 464287606 |  | 641682 | 7053 | SH |  | SOLE |  | 0 | 0 | 7053 |
| ISHARES TR | S MC 400VL ETF | 464287705 |  | 438339 | 3547 | SH |  | SOLE |  | 0 | 0 | 3547 |
| J P MORGAN EXCHANGE TRADED F | US QUALTY FCTR | 46641Q761 |  | 553541 | 9218 | SH |  | SOLE |  | 0 | 0 | 9218 |
| JANUS DETROIT STR TR | HENDRSON AAA CL | 47103U845 |  | 507196 | 9994 | SH |  | SOLE |  | 0 | 0 | 9994 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 1955582 | 12803 | SH |  | SOLE |  | 0 | 0 | 12803 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 14359 | 94 | SH |  | OTR |  | 0 | 0 | 94 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 6173924 | 21296 | SH |  | SOLE |  | 0 | 0 | 21296 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 44357 | 153 | SH |  | DFND |  | 0 | 0 | 153 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 16235 | 56 | SH |  | OTR |  | 0 | 0 | 56 |
| KLA CORP | COM NEW | 482480100 |  | 2362963 | 2638 | SH |  | SOLE |  | 0 | 0 | 2638 |
| KLA CORP | COM NEW | 482480100 |  | 17915 | 20 | SH |  | OTR |  | 0 | 0 | 20 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 351524 | 759 | SH |  | SOLE |  | 0 | 0 | 759 |
| LOWES COS INC | COM | 548661107 |  | 203012 | 915 | SH |  | SOLE |  | 0 | 0 | 915 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 1382373 | 2460 | SH |  | SOLE |  | 0 | 0 | 2460 |
| MCDONALDS CORP | COM | 580135101 |  | 1314765 | 4500 | SH |  | SOLE |  | 0 | 0 | 4500 |
| MCDONALDS CORP | COM | 580135101 |  | 20160 | 69 | SH |  | DFND |  | 0 | 0 | 69 |
| MCDONALDS CORP | COM | 580135101 |  | 11103 | 38 | SH |  | OTR |  | 0 | 0 | 38 |
| MERCADOLIBRE INC | COM | 58733R102 |  | 865112 | 331 | SH |  | SOLE |  | 0 | 0 | 331 |
| META PLATFORMS INC | CL A | 30303M102 |  | 324022 | 439 | SH |  | SOLE |  | 0 | 0 | 439 |
| METLIFE INC | COM | 59156R108 |  | 1584878 | 19708 | SH |  | SOLE |  | 0 | 0 | 19708 |
| METLIFE INC | COM | 59156R108 |  | 4665 | 58 | SH |  | DFND |  | 0 | 0 | 58 |
| METLIFE INC | COM | 59156R108 |  | 8847 | 110 | SH |  | OTR |  | 0 | 0 | 110 |
| MFS ACTIVE EXCHANGE TRADED F | INTERNATINL ETF | 55286W405 |  | 16782684 | 589901 | SH |  | SOLE |  | 0 | 0 | 589901 |
| MFS ACTIVE EXCHANGE TRADED F | INTERNATINL ETF | 55286W405 |  | 22732 | 799 | SH |  | DFND |  | 0 | 0 | 799 |
| MFS ACTIVE EXCHANGE TRADED F | INTERNATINL ETF | 55286W405 |  | 145551 | 5116 | SH |  | OTR |  | 0 | 0 | 5116 |
| MICROSOFT CORP | COM | 594918104 |  | 6754007 | 13578 | SH |  | SOLE |  | 0 | 0 | 13578 |
| MICROSOFT CORP | COM | 594918104 |  | 107441 | 216 | SH |  | DFND |  | 0 | 0 | 216 |
| MICROSOFT CORP | COM | 594918104 |  | 13431 | 27 | SH |  | OTR |  | 0 | 0 | 27 |
| MONDELEZ INTL INC | CL A | 609207105 |  | 269760 | 4000 | SH |  | SOLE |  | 0 | 0 | 4000 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 2961089 | 21022 | SH |  | SOLE |  | 0 | 0 | 21022 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 19580 | 139 | SH |  | OTR |  | 0 | 0 | 139 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 1187291 | 17103 | SH |  | SOLE |  | 0 | 0 | 17103 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 16384 | 236 | SH |  | DFND |  | 0 | 0 | 236 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 6457 | 93 | SH |  | OTR |  | 0 | 0 | 93 |
| NORFOLK SOUTHN CORP | COM | 655844108 |  | 1058180 | 4134 | SH |  | SOLE |  | 0 | 0 | 4134 |
| NORTHROP GRUMMAN CORP | COM | 666807102 |  | 1680433 | 3361 | SH |  | SOLE |  | 0 | 0 | 3361 |
| NORTHROP GRUMMAN CORP | COM | 666807102 |  | 11500 | 23 | SH |  | OTR |  | 0 | 0 | 23 |
| NUVEEN DYNAMIC MUN OPPORTUNI | COM SHS | 67079X102 |  | 484831 | 48146 | SH |  | SOLE |  | 0 | 0 | 48146 |
| NUVEEN MUN CR OPPORTUNITIES | COM | 670663103 |  | 114844 | 10703 | SH |  | SOLE |  | 0 | 0 | 10703 |
| NUVEEN MUNICIPAL CREDIT INC | COM SH BEN INT | 67070X101 |  | 255458 | 21431 | SH |  | SOLE |  | 0 | 0 | 21431 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 9008274 | 57018 | SH |  | SOLE |  | 0 | 0 | 57018 |
| ON HLDG AG | NAMEN AKT A | H5919C104 |  | 189983 | 3650 | SH |  | SOLE |  | 0 | 0 | 3650 |
| PACKAGING CORP AMER | COM | 695156109 |  | 959399 | 5091 | SH |  | SOLE |  | 0 | 0 | 5091 |
| PACKAGING CORP AMER | COM | 695156109 |  | 5842 | 31 | SH |  | OTR |  | 0 | 0 | 31 |
| PEPSICO INC | COM | 713448108 |  | 1570616 | 11895 | SH |  | SOLE |  | 0 | 0 | 11895 |
| PEPSICO INC | COM | 713448108 |  | 10300 | 78 | SH |  | OTR |  | 0 | 0 | 78 |
| PIMCO MUN INCOME FD II | COM | 72200W106 |  | 129586 | 17394 | SH |  | SOLE |  | 0 | 0 | 17394 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 1113169 | 6987 | SH |  | SOLE |  | 0 | 0 | 6987 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 8126 | 51 | SH |  | DFND |  | 0 | 0 | 51 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 11949 | 75 | SH |  | OTR |  | 0 | 0 | 75 |
| PROLOGIS INC. | COM | 74340W103 |  | 1249522 | 11887 | SH |  | SOLE |  | 0 | 0 | 11887 |
| PROLOGIS INC. | COM | 74340W103 |  | 9041 | 86 | SH |  | OTR |  | 0 | 0 | 86 |
| PUBLIC SVC ENTERPRISE GRP IN | COM | 744573106 |  | 1191653 | 14156 | SH |  | SOLE |  | 0 | 0 | 14156 |
| PUBLIC SVC ENTERPRISE GRP IN | COM | 744573106 |  | 14479 | 172 | SH |  | OTR |  | 0 | 0 | 172 |
| PULTE GROUP INC | COM | 745867101 |  | 916026 | 8686 | SH |  | SOLE |  | 0 | 0 | 8686 |
| QUALCOMM INC | COM | 747525103 |  | 1265162 | 7944 | SH |  | SOLE |  | 0 | 0 | 7944 |
| QUALCOMM INC | COM | 747525103 |  | 8760 | 55 | SH |  | OTR |  | 0 | 0 | 55 |
| QUANTA SVCS INC | COM | 74762E102 |  | 903234 | 2389 | SH |  | SOLE |  | 0 | 0 | 2389 |
| RIVERNORTH FLEXIBLE MUN INCO | COM | 76883H104 |  | 263153 | 18864 | SH |  | SOLE |  | 0 | 0 | 18864 |
| RIVERNORTH FLEXIBLE MUNI INC | COM | 76883Y107 |  | 361075 | 28566 | SH |  | SOLE |  | 0 | 0 | 28566 |
| RIVERNORTH MANAGED DUR MUN I | COM | 76882M104 |  | 341954 | 24321 | SH |  | SOLE |  | 0 | 0 | 24321 |
| RIVERNORTH MANAGED DUR MUN I | COM | 76882H105 |  | 264540 | 19727 | SH |  | SOLE |  | 0 | 0 | 19727 |
| RIVERNORTH OPPORTUNISTIC MUN | COM | 76883F108 |  | 293548 | 20593 | SH |  | SOLE |  | 0 | 0 | 20593 |
| ROPER TECHNOLOGIES INC | COM | 776696106 |  | 664337 | 1172 | SH |  | SOLE |  | 0 | 0 | 1172 |
| SELECT SECTOR SPDR TR | ENERGY | 81369Y506 |  | 635991 | 7499 | SH |  | SOLE |  | 0 | 0 | 7499 |
| SELECT SECTOR SPDR TR | SBI CONS STPLS | 81369Y308 |  | 656019 | 8102 | SH |  | SOLE |  | 0 | 0 | 8102 |
| SELECT SECTOR SPDR TR | SBI HEALTHCARE | 81369Y209 |  | 305569 | 2267 | SH |  | SOLE |  | 0 | 0 | 2267 |
| SERVICENOW INC | COM | 81762P102 |  | 276554 | 269 | SH |  | SOLE |  | 0 | 0 | 269 |
| SHOPIFY INC | CL A SUB VTG SHS | 82509L107 |  | 963058 | 8349 | SH |  | SOLE |  | 0 | 0 | 8349 |
| SOFI TECHNOLOGIES INC | COM | 83406F102 |  | 1402753 | 77032 | SH |  | SOLE |  | 0 | 0 | 77032 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 199664 | 655 | SH |  | SOLE |  | 0 | 0 | 655 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 1095443 | 27055 | SH |  | SOLE |  | 0 | 0 | 27055 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 6762 | 167 | SH |  | OTR |  | 0 | 0 | 167 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 503858 | 11789 | SH |  | SOLE |  | 0 | 0 | 11789 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 513 | 12 | SH |  | OTR |  | 0 | 0 | 12 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 2744041 | 4441 | SH |  | SOLE |  | 0 | 0 | 4441 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 |  | 618035 | 1091 | SH |  | SOLE |  | 0 | 0 | 1091 |
| SPDR SERIES TRUST | PORTFOLIO INTRMD | 78464A375 |  | 2062887 | 61432 | SH |  | SOLE |  | 0 | 0 | 61432 |
| SPDR SERIES TRUST | PORTFOLIO INTRMD | 78464A375 |  | 9403 | 280 | SH |  | OTR |  | 0 | 0 | 280 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A847 |  | 870352 | 16005 | SH |  | SOLE |  | 0 | 0 | 16005 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A847 |  | 925 | 17 | SH |  | OTR |  | 0 | 0 | 17 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A854 |  | 6587705 | 90627 | SH |  | SOLE |  | 0 | 0 | 90627 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A854 |  | 30966 | 426 | SH |  | OTR |  | 0 | 0 | 426 |
| SPDR SERIES TRUST | PORTFOLIO S | 78468R853 |  | 1101972 | 25868 | SH |  | SOLE |  | 0 | 0 | 25868 |
| SPDR SERIES TRUST | PORTFOLIO S | 78468R853 |  | 639 | 15 | SH |  | OTR |  | 0 | 0 | 15 |
| SPDR SERIES TRUST | PRTFLO S GW | 78464A409 |  | 1250885 | 13123 | SH |  | SOLE |  | 0 | 0 | 13123 |
| SPDR SERIES TRUST | PRTFLO S GW | 78464A409 |  | 1335 | 14 | SH |  | OTR |  | 0 | 0 | 14 |
| SPDR SERIES TRUST | PRTFLO S VL | 78464A508 |  | 1702725 | 32532 | SH |  | SOLE |  | 0 | 0 | 32532 |
| SPDR SERIES TRUST | PRTFLO S VL | 78464A508 |  | 2251 | 43 | SH |  | OTR |  | 0 | 0 | 43 |
| STARBUCKS CORP | COM | 855244109 |  | 1174743 | 12821 | SH |  | SOLE |  | 0 | 0 | 12821 |
| STARBUCKS CORP | COM | 855244109 |  | 2749 | 30 | SH |  | DFND |  | 0 | 0 | 30 |
| STARBUCKS CORP | COM | 855244109 |  | 14020 | 153 | SH |  | OTR |  | 0 | 0 | 153 |
| STRYKER CORPORATION | COM | 863667101 |  | 863661 | 2183 | SH |  | SOLE |  | 0 | 0 | 2183 |
| T ROWE PRICE ETF INC | FLOATING RATE | 87283Q883 |  | 1347201 | 26195 | SH |  | SOLE |  | 0 | 0 | 26195 |
| T ROWE PRICE ETF INC | FLOATING RATE | 87283Q883 |  | 258 | 5 | SH |  | OTR |  | 0 | 0 | 5 |
| TESLA INC | COM | 88160R101 |  | 615626 | 1938 | SH |  | SOLE |  | 0 | 0 | 1938 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 |  | 224625 | 554 | SH |  | SOLE |  | 0 | 0 | 554 |
| VALERO ENERGY CORP | COM | 91913Y100 |  | 1552283 | 11548 | SH |  | SOLE |  | 0 | 0 | 11548 |
| VALERO ENERGY CORP | COM | 91913Y100 |  | 14787 | 110 | SH |  | OTR |  | 0 | 0 | 110 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 4256818 | 47797 | SH |  | SOLE |  | 0 | 0 | 47797 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 43284 | 486 | SH |  | OTR |  | 0 | 0 | 486 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 461241 | 812 | SH |  | SOLE |  | 0 | 0 | 812 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 374429 | 1580 | SH |  | SOLE |  | 0 | 0 | 1580 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 289038 | 951 | SH |  | SOLE |  | 0 | 0 | 951 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 645455 | 3652 | SH |  | SOLE |  | 0 | 0 | 3652 |
| VANGUARD INTL EQUITY INDEX F | FTSE EUROPE ETF | 922042874 |  | 3350477 | 43232 | SH |  | SOLE |  | 0 | 0 | 43232 |
| VANGUARD INTL EQUITY INDEX F | FTSE EUROPE ETF | 922042874 |  | 38053 | 491 | SH |  | OTR |  | 0 | 0 | 491 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 3347737 | 26048 | SH |  | SOLE |  | 0 | 0 | 26048 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 22491 | 175 | SH |  | OTR |  | 0 | 0 | 175 |
| VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 |  | 755879 | 12638 | SH |  | SOLE |  | 0 | 0 | 12638 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 509408 | 2489 | SH |  | SOLE |  | 0 | 0 | 2489 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 4423406 | 77590 | SH |  | SOLE |  | 0 | 0 | 77590 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 17617 | 309 | SH |  | OTR |  | 0 | 0 | 309 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 959764 | 7199 | SH |  | SOLE |  | 0 | 0 | 7199 |
| VANGUARD WORLD FD | UTILITIES ETF | 92204A876 |  | 752374 | 4263 | SH |  | SOLE |  | 0 | 0 | 4263 |
| VANGUARD WORLD FD | UTILITIES ETF | 92204A876 |  | 6708 | 38 | SH |  | OTR |  | 0 | 0 | 38 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 747144 | 17267 | SH |  | SOLE |  | 0 | 0 | 17267 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 4457 | 103 | SH |  | OTR |  | 0 | 0 | 103 |
| VIKING HOLDINGS LTD | ORD SHS | G93A5A101 |  | 852534 | 15998 | SH |  | SOLE |  | 0 | 0 | 15998 |
| VISA INC | COM CL A | 92826C839 |  | 293982 | 828 | SH |  | SOLE |  | 0 | 0 | 828 |
| WALMART INC | COM | 931142103 |  | 1019259 | 10424 | SH |  | SOLE |  | 0 | 0 | 10424 |
| WALMART INC | COM | 931142103 |  | 68446 | 700 | SH |  | OTR |  | 0 | 0 | 700 |
| WASTE MGMT INC DEL | COM | 94106L109 |  | 332934 | 1455 | SH |  | SOLE |  | 0 | 0 | 1455 |
| WELLTOWER INC | COM | 95040Q104 |  | 567879 | 3694 | SH |  | SOLE |  | 0 | 0 | 3694 |
| WISDOMTREE TR | US MIDCAP DIVID | 97717W505 |  | 186246 | 3716 | SH |  | SOLE |  | 0 | 0 | 3716 |
| ZOETIS INC | CL A | 98978V103 |  | 563604 | 3614 | SH |  | SOLE |  | 0 | 0 | 3614 |

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