# EDGAR Filing Document

**Accession Number:** 0000769963
**File Stem:** 0001398344-23-003493
**Filing Date:** 2023-2
**Character Count:** 34929
**Document Hash:** 1eec5540f461bbc8953e82e8cdebf5f6
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001398344-23-003493.hdr.sgml**: 20230215

**ACCESSION NUMBER**: 0001398344-23-003493

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230215

**DATE AS OF CHANGE**: 20230214

**EFFECTIVENESS DATE**: 20230215

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** HOWE & RUSLING INC
- **CENTRAL INDEX KEY:** 0000769963
- **IRS NUMBER:** 160487955
- **STATE OF INCORPORATION:** NY
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-01563
- **FILM NUMBER:** 23633294

**BUSINESS ADDRESS:**
- **STREET 1:** 120 EAST AVE
- **CITY:** ROCHESTER
- **STATE:** NY
- **ZIP:** 14604
- **BUSINESS PHONE:** 7163254140

**MAIL ADDRESS:**
- **STREET 1:** 120 EAST AVE
- **CITY:** ROCHESTER
- **STATE:** NY
- **ZIP:** 14604

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**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:** HOWE  RUSLING INC<br>**Address:** 120 EAST AVE<br>ROCHESTER, NY 14604

**Form 13F File Number:** 028-01563

**CRD Number (if applicable):** 000104627

**SEC File Number (if applicable):** 801-294

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:** Emily Lambert<br>**Title:** Vice President Operations  Chief Compliance Officer<br>**Phone:** 585-325-4140

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

/s/ Emily Lambert  Rochester, NY  02-13-2023<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:** 316

**Form 13F Information Table Value Total:** $797225738

      (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 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 782 | 14 | SH |  | SOLE |  | 14 | 0 | 0 |
| SPDR SER TR | PRTFLO S HI | 78468R788 |  | 1069 | 27 | SH |  | SOLE |  | 27 | 0 | 0 |
| FIRST TR EXCHANGE TRADED FD | CLOUD COMPUTING | 33734X192 |  | 1095 | 19 | SH |  | SOLE |  | 19 | 0 | 0 |
| ISHARES TR | 7-10 YR TRSY BD | 464287440 |  | 1532 | 16 | SH |  | SOLE |  | 16 | 0 | 0 |
| SPDR SER TR | S 600 SMCP VAL | 78464A300 |  | 1680 | 23 | SH |  | SOLE |  | 23 | 0 | 0 |
| SPDR SER TR | DJ REIT ETF | 78464A607 |  | 1743 | 20 | SH |  | SOLE |  | 20 | 0 | 0 |
| WISDOMTREE TR | INTL SMCAP DIV | 97717W760 |  | 2145 | 37 | SH |  | SOLE |  | 14 | 0 | 23 |
| INVESCO EXCHANGE TRADED FD T | S QUALITY | 46137V241 |  | 2156 | 49 | SH |  | SOLE |  | 0 | 0 | 49 |
| ISHARES TR | MSCI CHINA ETF | 46429B671 |  | 2375 | 50 | SH |  | SOLE |  | 50 | 0 | 0 |
| ISHARES TR | MSCI ACWI ETF | 464288257 |  | 2390 | 28 | SH |  | SOLE |  | 28 | 0 | 0 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 2521 | 43 | SH |  | SOLE |  | 43 | 0 | 0 |
| ISHARES TR | MSCI USA MMENTM | 46432F396 |  | 2627 | 18 | SH |  | SOLE |  | 0 | 0 | 18 |
| VANGUARD INTL EQUITY INDEX F | FTSE PACIFIC ETF | 922042866 |  | 3024 | 47 | SH |  | SOLE |  | 0 | 0 | 47 |
| INVESCO EXCHANGE TRADED FD T | DYNMC BLDG CON | 46137V779 |  | 3673 | 90 | SH |  | SOLE |  | 90 | 0 | 0 |
| WISDOMTREE TR | EMER MKT HIGH FD | 97717W315 |  | 3742 | 105 | SH |  | SOLE |  | 105 | 0 | 0 |
| ISHARES TR | 20 YR TR BD ETF | 464287432 |  | 4381 | 44 | SH |  | SOLE |  | 44 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | FTSE RAFI 1500 | 46137V597 |  | 4594 | 29 | SH |  | SOLE |  | 0 | 0 | 29 |
| INVESCO EXCHANGE TRADED FD T | INVESCO MSCI | 46137V407 |  | 4921 | 103 | SH |  | SOLE |  | 103 | 0 | 0 |
| ISHARES TR | S MC 400GR ETF | 464287606 |  | 5192 | 76 | SH |  | SOLE |  | 30 | 0 | 46 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 5251 | 80 | SH |  | SOLE |  | 80 | 0 | 0 |
| ISHARES TR | INTL SEL DIV ETF | 464288448 |  | 5269 | 194 | SH |  | SOLE |  | 141 | 0 | 53 |
| SCHWAB STRATEGIC TR | US REIT ETF | 808524847 |  | 5498 | 285 | SH |  | SOLE |  | 0 | 0 | 285 |
| VANGUARD WORLD FDS | CONSUM STP ETF | 92204A207 |  | 5747 | 30 | SH |  | SOLE |  | 0 | 0 | 30 |
| ISHARES TR | GLOB INDSTRL ETF | 464288729 |  | 5857 | 55 | SH |  | SOLE |  | 55 | 0 | 0 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 6047 | 25 | SH |  | SOLE |  | 0 | 0 | 25 |
| SCHWAB STRATEGIC TR | INTL SCEQT ETF | 808524888 |  | 6577 | 209 | SH |  | SOLE |  | 0 | 0 | 209 |
| VANGUARD INTL EQUITY INDEX F | FTSE EUROPE ETF | 922042874 |  | 7341 | 132 | SH |  | SOLE |  | 71 | 0 | 61 |
| INVESCO EXCHANGE TRADED FD T | S PUR VAL | 46137V258 |  | 7408 | 95 | SH |  | SOLE |  | 95 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | S EQL TEC | 46137V282 |  | 7532 | 31 | SH |  | SOLE |  | 31 | 0 | 0 |
| ISHARES TR | CORE 1 5 YR USD | 46432F859 |  | 7848 | 169 | SH |  | SOLE |  | 0 | 0 | 169 |
| ISHARES TR | MSCI EAFE MIN VL | 46429B689 |  | 7885 | 124 | SH |  | SOLE |  | 0 | 0 | 124 |
| BALL CORP | COM | 058498106 |  | 8756 | 126 | SH |  | SOLE |  | 126 | 0 | 0 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 10422 | 159 | SH |  | SOLE |  | 159 | 0 | 0 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 11024 | 130 | SH |  | SOLE |  | 2 | 0 | 128 |
| SCHWAB STRATEGIC TR | SCHWB FDT INT SC | 808524748 |  | 11472 | 367 | SH |  | SOLE |  | 0 | 0 | 367 |
| ISHARES TR | SELECT DIVID ETF | 464287168 |  | 12060 | 100 | SH |  | SOLE |  | 100 | 0 | 0 |
| ISHARES TR | FALN ANGLS USD | 46435G474 |  | 12551 | 510 | SH |  | SOLE |  | 0 | 0 | 510 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 |  | 14500 | 482 | SH |  | SOLE |  | 482 | 0 | 0 |
| ISHARES TR | GL TIMB FORE ETF | 464288174 |  | 14550 | 200 | SH |  | SOLE |  | 0 | 0 | 200 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 14662 | 387 | SH |  | SOLE |  | 387 | 0 | 0 |
| SELECT SECTOR SPDR TR | SBI MATERIALS | 81369Y100 |  | 14892 | 192 | SH |  | SOLE |  | 105 | 0 | 87 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 15983 | 113 | SH |  | SOLE |  | 113 | 0 | 0 |
| ISHARES TR | COHEN STEER REIT | 464287564 |  | 16452 | 300 | SH |  | SOLE |  | 0 | 0 | 300 |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 |  | 17207 | 100 | SH |  | SOLE |  | 0 | 0 | 100 |
| ISHARES TR | MBS ETF | 464288588 |  | 17437 | 188 | SH |  | SOLE |  | 0 | 0 | 188 |
| ISHARES TR | A RATE CP BD ETF | 46429B291 |  | 17881 | 386 | SH |  | SOLE |  | 0 | 0 | 386 |
| ISHARES TR | US OIL GS EX ETF | 464288851 |  | 18022 | 194 | SH |  | SOLE |  | 194 | 0 | 0 |
| ISHARES TR | S SML 600 GWT | 464287887 |  | 18804 | 174 | SH |  | SOLE |  | 174 | 0 | 0 |
| SELECT SECTOR SPDR TR | SBI CONS STPLS | 81369Y308 |  | 19010 | 255 | SH |  | SOLE |  | 0 | 0 | 255 |
| ISHARES TR | IBOXX INV CP ETF | 464287242 |  | 19610 | 186 | SH |  | SOLE |  | 0 | 0 | 186 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 19928 | 400 | SH |  | SOLE |  | 0 | 0 | 400 |
| SELECT SECTOR SPDR TR | RL EST SEL SEC | 81369Y860 |  | 21013 | 569 | SH |  | SOLE |  | 0 | 0 | 569 |
| SPDR SER TR | BLOOMBERG EMERGI | 78464A391 |  | 21259 | 1034 | SH |  | SOLE |  | 0 | 0 | 1034 |
| ISHARES TR | EAFE SML CP ETF | 464288273 |  | 22310 | 395 | SH |  | SOLE |  | 0 | 0 | 395 |
| ISHARES TR | 3 7 YR TREAS BD | 464288661 |  | 23208 | 202 | SH |  | SOLE |  | 0 | 0 | 202 |
| VANGUARD WORLD FDS | HEALTH CAR ETF | 92204A504 |  | 24805 | 100 | SH |  | SOLE |  | 0 | 0 | 100 |
| ISHARES TR | ISHS 5-10YR INVT | 464288638 |  | 25201 | 509 | SH |  | SOLE |  | 0 | 0 | 509 |
| SPDR SER TR | PORTFOLIO CRPORT | 78464A144 |  | 25269 | 890 | SH |  | SOLE |  | 0 | 0 | 890 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 26936 | 362 | SH |  | SOLE |  | 273 | 0 | 89 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 27782 | 620 | SH |  | SOLE |  | 620 | 0 | 0 |
| VANGUARD WORLD FDS | COMM SRVC ETF | 92204A884 |  | 31420 | 382 | SH |  | SOLE |  | 0 | 0 | 382 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 31858 | 370 | SH |  | SOLE |  | 370 | 0 | 0 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 32300 | 704 | SH |  | SOLE |  | 0 | 0 | 704 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 33289 | 393 | SH |  | SOLE |  | 393 | 0 | 0 |
| VANGUARD WORLD FDS | MATERIALS ETF | 92204A801 |  | 34040 | 200 | SH |  | SOLE |  | 200 | 0 | 0 |
| ISHARES TR | JPMORGAN USD EMG | 464288281 |  | 34851 | 412 | SH |  | SOLE |  | 0 | 0 | 412 |
| INVESCO EXCHANGE TRADED FD T | S EQL HLT | 46137V332 |  | 35003 | 121 | SH |  | SOLE |  | 121 | 0 | 0 |
| ISHARES TR | RUS 2000 GRW ETF | 464287648 |  | 36039 | 168 | SH |  | SOLE |  | 127 | 0 | 41 |
| ISHARES TR | PFD AND INCM SEC | 464288687 |  | 37613 | 1232 | SH |  | SOLE |  | 590 | 0 | 642 |
| ISHARES TR | RUS MDCP VAL ETF | 464287473 |  | 41925 | 398 | SH |  | SOLE |  | 35 | 0 | 363 |
| SELECT SECTOR SPDR TR | SBI INT-INDS | 81369Y704 |  | 42329 | 431 | SH |  | SOLE |  | 431 | 0 | 0 |
| VANGUARD WORLD FDS | ENERGY ETF | 92204A306 |  | 42578 | 351 | SH |  | SOLE |  | 0 | 0 | 351 |
| SPDR SER TR | SPDR MSCI USA GE | 78468R747 |  | 43021 | 546 | SH |  | SOLE |  | 0 | 0 | 546 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 45606 | 214 | SH |  | SOLE |  | 100 | 0 | 114 |
| SCHWAB STRATEGIC TR | SCHWB FDT EMK LG | 808524730 |  | 46438 | 1874 | SH |  | SOLE |  | 0 | 0 | 1874 |
| VANGUARD INTL EQUITY INDEX F | GLB EX US ETF | 922042676 |  | 46590 | 1127 | SH |  | SOLE |  | 0 | 0 | 1127 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 48092 | 733 | SH |  | SOLE |  | 0 | 0 | 733 |
| VANGUARD WORLD FD | ESG US STK ETF | 921910733 |  | 50185 | 762 | SH |  | SOLE |  | 147 | 0 | 615 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 50719 | 1252 | SH |  | SOLE |  | 54 | 0 | 1198 |
| SELECT SECTOR SPDR TR | FINANCIAL | 81369Y605 |  | 51586 | 1508 | SH |  | SOLE |  | 110 | 0 | 1398 |
| SPDR SER TR | PORTFLI HIGH YLD | 78468R606 |  | 53610 | 2400 | SH |  | SOLE |  | 1787 | 0 | 613 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 53952 | 1675 | SH |  | SOLE |  | 40 | 0 | 1635 |
| VANGUARD WORLD FDS | CONSUM DIS ETF | 92204A108 |  | 54755 | 250 | SH |  | SOLE |  | 250 | 0 | 0 |
| SCHWAB STRATEGIC TR | INT-TRM U.S TRES | 808524854 |  | 59322 | 1205 | SH |  | SOLE |  | 0 | 0 | 1205 |
| SPDR SER TR | BBG CONV SEC ETF | 78464A359 |  | 62088 | 965 | SH |  | SOLE |  | 965 | 0 | 0 |
| SELECT SECTOR SPDR TR | ENERGY | 81369Y506 |  | 62815 | 718 | SH |  | SOLE |  | 452 | 0 | 266 |
| ISHARES TR | U.S. MED DVC ETF | 464288810 |  | 63084 | 1200 | SH |  | SOLE |  | 1200 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | WATER RES ETF | 46137V142 |  | 63240 | 1227 | SH |  | SOLE |  | 1227 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | MTG-BKD SECS ETF | 92206C771 |  | 63774 | 1401 | SH |  | SOLE |  | 0 | 0 | 1401 |
| VANGUARD WORLD FDS | UTILITIES ETF | 92204A876 |  | 65791 | 429 | SH |  | SOLE |  | 400 | 0 | 29 |
| VANGUARD WORLD FDS | FINANCIALS ETF | 92204A405 |  | 66184 | 800 | SH |  | SOLE |  | 800 | 0 | 0 |
| ISHARES TR | MSCI USA ESG SLC | 464288802 |  | 69972 | 850 | SH |  | SOLE |  | 850 | 0 | 0 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 72185 | 476 | SH |  | SOLE |  | 0 | 0 | 476 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 74320 | 889 | SH |  | SOLE |  | 727 | 0 | 162 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 75777 | 435 | SH |  | SOLE |  | 0 | 0 | 435 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 |  | 79891 | 3375 | SH |  | SOLE |  | 2636 | 0 | 739 |
| VANGUARD SCOTTSDALE FDS | VNG RUS3000IDX | 92206C599 |  | 81124 | 472 | SH |  | SOLE |  | 472 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | S EQL STP | 46137V373 |  | 82356 | 483 | SH |  | SOLE |  | 318 | 0 | 165 |
| SELECT SECTOR SPDR TR | SBI HEALTHCARE | 81369Y209 |  | 83481 | 615 | SH |  | SOLE |  | 0 | 0 | 615 |
| SELECT SECTOR SPDR TR | SBI INT-UTILS | 81369Y886 |  | 88618 | 1257 | SH |  | SOLE |  | 948 | 0 | 309 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 92649 | 813 | SH |  | SOLE |  | 813 | 0 | 0 |
| ISHARES TR | GL CLEAN ENE ETF | 464288224 |  | 93811 | 4726 | SH |  | SOLE |  | 1515 | 0 | 3211 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 99891 | 1513 | SH |  | SOLE |  | 1079 | 0 | 434 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 108120 | 1431 | SH |  | SOLE |  | 870 | 0 | 561 |
| SCHWAB STRATEGIC TR | US TIPS ETF | 808524870 |  | 117201 | 2263 | SH |  | SOLE |  | 1828 | 0 | 435 |
| INVESCO EXCHANGE TRADED FD T | WILDERHIL CLAN | 46137V134 |  | 118976 | 3104 | SH |  | SOLE |  | 749 | 0 | 2355 |
| SCHWAB STRATEGIC TR | SCHWB FDT INT LG | 808524755 |  | 127879 | 4399 | SH |  | SOLE |  | 2654 | 0 | 1745 |
| SPDR SER TR | S DIVID ETF | 78464A763 |  | 134871 | 1078 | SH |  | SOLE |  | 609 | 0 | 469 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 140271 | 2426 | SH |  | SOLE |  | 2426 | 0 | 0 |
| SCHWAB STRATEGIC TR | SCHWAB FDT US SC | 808524763 |  | 149457 | 3199 | SH |  | SOLE |  | 2094 | 0 | 1105 |
| VANGUARD WORLD FDS | INF TECH ETF | 92204A702 |  | 149484 | 468 | SH |  | SOLE |  | 468 | 0 | 0 |
| ISHARES TR | MSCI KLD400 SOC | 464288570 |  | 154787 | 2156 | SH |  | SOLE |  | 2156 | 0 | 0 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 175638 | 2129 | SH |  | SOLE |  | 1275 | 0 | 854 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 190089 | 2646 | SH |  | SOLE |  | 0 | 0 | 2646 |
| ISHARES TR | CORE INTL AGGR | 46435G672 |  | 191151 | 4020 | SH |  | SOLE |  | 4020 | 0 | 0 |
| ARMSTRONG WORLD INDS INC NEW | COM | 04247X102 |  | 203369 | 2965 | SH |  | SOLE |  | 2965 | 0 | 0 |
| BECTON DICKINSON  CO | COM | 075887109 |  | 205715 | 809 | SH |  | SOLE |  | 804 | 0 | 5 |
| KAMAN CORP | COM | 483548103 |  | 212497 | 9529 | SH |  | SOLE |  | 9529 | 0 | 0 |
| BAXTER INTL INC | COM | 071813109 |  | 212544 | 4170 | SH |  | SOLE |  | 4170 | 0 | 0 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 230961 | 1856 | SH |  | SOLE |  | 952 | 0 | 904 |
| FIRST TR EXCHANGE TRADED FD | DJ GLBL DIVID | 33734X200 |  | 231694 | 10541 | SH |  | SOLE |  | 9254 | 0 | 1287 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 232333 | 2183 | SH |  | SOLE |  | 634 | 0 | 1549 |
| SOUTHERN CO | COM | 842587107 |  | 234582 | 3285 | SH |  | SOLE |  | 975 | 0 | 2310 |
| GRAINGER W W INC | COM | 384802104 |  | 236406 | 425 | SH |  | SOLE |  | 250 | 0 | 175 |
| AT INC | COM | 00206R102 |  | 239966 | 13035 | SH |  | SOLE |  | 7275 | 0 | 5760 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 240832 | 1630 | SH |  | SOLE |  | 0 | 0 | 1630 |
| ALLIANCE RESOURCE PARTNERS L | UT LTD PART | 01877R108 |  | 243840 | 12000 | SH |  | SOLE |  | 0 | 0 | 12000 |
| THOR INDS INC | COM | 885160101 |  | 258629 | 3426 | SH |  | SOLE |  | 2831 | 0 | 595 |
| PROSHARES TR | S MDCP 400 DIV | 74347B680 |  | 261768 | 3659 | SH |  | SOLE |  | 3333 | 0 | 326 |
| PROSHARES TR | RUSS 2000 DIVD | 74347B698 |  | 261936 | 4268 | SH |  | SOLE |  | 3838 | 0 | 430 |
| BLACKROCK INC | COM | 09247X101 |  | 262193 | 370 | SH |  | SOLE |  | 55 | 0 | 315 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 267430 | 1457 | SH |  | SOLE |  | 108 | 0 | 1349 |
| BOSTON BEER INC | CL A | 100557107 |  | 270865 | 822 | SH |  | SOLE |  | 822 | 0 | 0 |
| CRACKER BARREL OLD CTRY STOR | COM | 22410J106 |  | 271146 | 2862 | SH |  | SOLE |  | 0 | 0 | 2862 |
| FIDELITY NATL INFORMATION SV | COM | 31620M106 |  | 273143 | 4026 | SH |  | SOLE |  | 566 | 0 | 3460 |
| BELDEN INC | COM | 077454106 |  | 273436 | 3803 | SH |  | SOLE |  | 3803 | 0 | 0 |
| AGCO CORP | COM | 001084102 |  | 274606 | 1980 | SH |  | SOLE |  | 1980 | 0 | 0 |
| DORMAN PRODS INC | COM | 258278100 |  | 275120 | 3402 | SH |  | SOLE |  | 3402 | 0 | 0 |
| ISHARES TR | SP SMCP600VL ETF | 464287879 |  | 275452 | 3017 | SH |  | SOLE |  | 383 | 0 | 2634 |
| ULTA BEAUTY INC | COM | 90384S303 |  | 280504 | 598 | SH |  | SOLE |  | 0 | 0 | 598 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 281510 | 6235 | SH |  | SOLE |  | 4878 | 0 | 1357 |
| BRINKS CO | COM | 109696104 |  | 281924 | 5249 | SH |  | SOLE |  | 4826 | 0 | 423 |
| COLGATE PALMOLIVE CO | COM | 194162103 |  | 281989 | 3579 | SH |  | SOLE |  | 1681 | 0 | 1898 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 288099 | 820 | SH |  | SOLE |  | 780 | 0 | 40 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 291409 | 1994 | SH |  | SOLE |  | 1369 | 0 | 625 |
| WISDOMTREE TR | INTL LRGCAP DV | 97717W794 |  | 293168 | 6661 | SH |  | SOLE |  | 5812 | 0 | 849 |
| ISHARES TR | IBOXX HI YD ETF | 464288513 |  | 295772 | 4017 | SH |  | SOLE |  | 0 | 0 | 4017 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 298575 | 1250 | SH |  | SOLE |  | 1250 | 0 | 0 |
| ROSS STORES INC | COM | 778296103 |  | 300737 | 2591 | SH |  | SOLE |  | 231 | 0 | 2360 |
| MGP INGREDIENTS INC NEW | COM | 55303J106 |  | 304672 | 2864 | SH |  | SOLE |  | 2864 | 0 | 0 |
| XCEL ENERGY INC | COM | 98389B100 |  | 304788 | 4347 | SH |  | SOLE |  | 995 | 0 | 3352 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 |  | 305443 | 3763 | SH |  | SOLE |  | 3572 | 0 | 191 |
| INGEVITY CORP | COM | 45688C107 |  | 307330 | 4363 | SH |  | SOLE |  | 4363 | 0 | 0 |
| ISHARES TR | RUS 2000 VAL ETF | 464287630 |  | 307570 | 2218 | SH |  | SOLE |  | 195 | 0 | 2023 |
| MURPHY USA INC | COM | 626755102 |  | 308333 | 1103 | SH |  | SOLE |  | 1103 | 0 | 0 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 |  | 309658 | 5350 | SH |  | SOLE |  | 5350 | 0 | 0 |
| REGENERON PHARMACEUTICALS | COM | 75886F107 |  | 316013 | 438 | SH |  | SOLE |  | 438 | 0 | 0 |
| CRANE HLDGS CO | COM | 224441105 |  | 316016 | 3146 | SH |  | SOLE |  | 3146 | 0 | 0 |
| NORTHROP GRUMMAN CORP | COM | 666807102 |  | 318178 | 583 | SH |  | SOLE |  | 22 | 0 | 561 |
| UNIVAR SOLUTIONS INC | COM | 91336L107 |  | 318763 | 10024 | SH |  | SOLE |  | 10024 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 324963 | 1052 | SH |  | SOLE |  | 480 | 0 | 572 |
| LILLY ELI  CO | COM | 532457108 |  | 325232 | 889 | SH |  | SOLE |  | 626 | 0 | 263 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 326925 | 1875 | SH |  | SOLE |  | 1867 | 0 | 8 |
| ENERPAC TOOL GROUP CORP | CL A COM | 292765104 |  | 344186 | 13524 | SH |  | SOLE |  | 13524 | 0 | 0 |
| SCHWAB STRATEGIC TR | SCHWAB FDT US LG | 808524771 |  | 344207 | 6441 | SH |  | SOLE |  | 4696 | 0 | 1745 |
| STEPAN CO | COM | 858586100 |  | 345995 | 3250 | SH |  | SOLE |  | 3250 | 0 | 0 |
| EMERSON ELEC CO | COM | 291011104 |  | 348121 | 3624 | SH |  | SOLE |  | 408 | 0 | 3216 |
| UNITED PARCEL SERVICE INC | CL B | 911312106 |  | 350848 | 2018 | SH |  | SOLE |  | 628 | 0 | 1390 |
| GENERAL ELECTRIC CO | COM NEW | 369604301 |  | 357434 | 4266 | SH |  | SOLE |  | 3618 | 0 | 648 |
| MAGELLAN MIDSTREAM PRTNRS LP | COM UNIT RP LP | 559080106 |  | 361512 | 7200 | SH |  | SOLE |  | 0 | 0 | 7200 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 370679 | 4924 | SH |  | SOLE |  | 2550 | 0 | 2374 |
| TYSON FOODS INC | CL A | 902494103 |  | 371819 | 5973 | SH |  | SOLE |  | 5269 | 0 | 704 |
| TIMKEN CO | COM | 887389104 |  | 373703 | 5288 | SH |  | SOLE |  | 5288 | 0 | 0 |
| DYCOM INDS INC | COM | 267475101 |  | 374774 | 4004 | SH |  | SOLE |  | 4004 | 0 | 0 |
| POLARIS INC | COM | 731068102 |  | 376528 | 3728 | SH |  | SOLE |  | 3563 | 0 | 165 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 377491 | 1762 | SH |  | SOLE |  | 1585 | 0 | 177 |
| ABBVIE INC | COM | 00287Y109 |  | 393948 | 2438 | SH |  | SOLE |  | 947 | 0 | 1491 |
| GILEAD SCIENCES INC | COM | 375558103 |  | 394996 | 4601 | SH |  | SOLE |  | 1837 | 0 | 2764 |
| ORACLE CORP | COM | 68389X105 |  | 395295 | 4836 | SH |  | SOLE |  | 4536 | 0 | 300 |
| CVS HEALTH CORP | COM | 126650100 |  | 416953 | 4474 | SH |  | SOLE |  | 2649 | 0 | 1825 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 417598 | 2964 | SH |  | SOLE |  | 1145 | 0 | 1819 |
| DARLING INGREDIENTS INC | COM | 237266101 |  | 443826 | 7091 | SH |  | SOLE |  | 7091 | 0 | 0 |
| ISHARES TR | CORE TOTAL USD | 46434V613 |  | 447054 | 9950 | SH |  | SOLE |  | 9950 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 457120 | 5181 | SH |  | SOLE |  | 3961 | 0 | 1220 |
| CHARTER COMMUNICATIONS INC N | CL A | 16119P108 |  | 467958 | 1380 | SH |  | SOLE |  | 0 | 0 | 1380 |
| NBT BANCORP INC | COM | 628778102 |  | 470325 | 10832 | SH |  | SOLE |  | 0 | 0 | 10832 |
| NETFLIX INC | COM | 64110L106 |  | 474167 | 1608 | SH |  | SOLE |  | 338 | 0 | 1270 |
| PPL CORP | COM | 69351T106 |  | 481400 | 16475 | SH |  | SOLE |  | 0 | 0 | 16475 |
| TARGET CORP | COM | 87612E106 |  | 486019 | 3261 | SH |  | SOLE |  | 319 | 0 | 2942 |
| DOW INC | COM | 260557103 |  | 511811 | 10157 | SH |  | SOLE |  | 1383 | 0 | 8774 |
| HUMANA INC | COM | 444859102 |  | 538312 | 1051 | SH |  | SOLE |  | 33 | 0 | 1018 |
| ABBOTT LABS | COM | 002824100 |  | 539236 | 4912 | SH |  | SOLE |  | 3821 | 0 | 1091 |
| HILLENBRAND INC | COM | 431571108 |  | 545963 | 12795 | SH |  | SOLE |  | 83 | 0 | 12712 |
| AFLAC INC | COM | 001055102 |  | 547967 | 7617 | SH |  | SOLE |  | 617 | 0 | 7000 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 |  | 549463 | 2490 | SH |  | SOLE |  | 2490 | 0 | 0 |
| METLIFE INC | COM | 59156R108 |  | 573871 | 7930 | SH |  | SOLE |  | 7363 | 0 | 567 |
| TJX COS INC NEW | COM | 872540109 |  | 584657 | 7345 | SH |  | SOLE |  | 996 | 0 | 6349 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 595843 | 12040 | SH |  | SOLE |  | 5751 | 0 | 6289 |
| EDWARDS LIFESCIENCES CORP | COM | 28176E108 |  | 635901 | 8523 | SH |  | SOLE |  | 6090 | 0 | 2433 |
| SPDR SER TR | NUVEEN BLMBRG SH | 78468R739 |  | 641935 | 13664 | SH |  | SOLE |  | 6122 | 0 | 7542 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 649986 | 4631 | SH |  | SOLE |  | 4255 | 0 | 376 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 650652 | 4293 | SH |  | SOLE |  | 2362 | 0 | 1931 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 650924 | 1338 | SH |  | SOLE |  | 1162 | 0 | 176 |
| 3M CO | COM | 88579Y101 |  | 661112 | 5513 | SH |  | SOLE |  | 2881 | 0 | 2632 |
| MOTOROLA SOLUTIONS INC | COM NEW | 620076307 |  | 663088 | 2573 | SH |  | SOLE |  | 2443 | 0 | 130 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 772301 | 16538 | SH |  | SOLE |  | 4558 | 0 | 11980 |
| S GLOBAL INC | COM | 78409V104 |  | 772372 | 2306 | SH |  | SOLE |  | 2269 | 0 | 37 |
| SPDR DOW JONES INDL AVERAGE | UT SER 1 | 78467X109 |  | 794529 | 2398 | SH |  | SOLE |  | 2072 | 0 | 326 |
| CISCO SYS INC | COM | 17275R102 |  | 795555 | 16699 | SH |  | SOLE |  | 6514 | 0 | 10185 |
| DUPONT DE NEMOURS INC | COM | 26614N102 |  | 802559 | 11694 | SH |  | SOLE |  | 78 | 0 | 11616 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 808504 | 4766 | SH |  | SOLE |  | 4766 | 0 | 0 |
| INTEL CORP | COM | 458140100 |  | 817757 | 30940 | SH |  | SOLE |  | 5555 | 0 | 25385 |
| ALLSTATE CORP | COM | 020002101 |  | 838415 | 6183 | SH |  | SOLE |  | 5563 | 0 | 620 |
| HOME DEPOT INC | COM | 437076102 |  | 841362 | 2664 | SH |  | SOLE |  | 2230 | 0 | 434 |
| EXPEDIA GROUP INC | COM NEW | 30212P303 |  | 923041 | 10537 | SH |  | SOLE |  | 7906 | 0 | 2631 |
| VANGUARD WORLD FD | MEGA CAP VAL ETF | 921910840 |  | 940152 | 9141 | SH |  | SOLE |  | 9071 | 0 | 70 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 |  | 1053840 | 2380 | SH |  | SOLE |  | 2129 | 0 | 251 |
| PAYCHEX INC | COM | 704326107 |  | 1067899 | 9241 | SH |  | SOLE |  | 8786 | 0 | 455 |
| FIRST TR EXCHANGE TRADED FD | CONSUMR STAPLE | 33734X119 |  | 1158295 | 18453 | SH |  | SOLE |  | 16799 | 0 | 1654 |
| LIVE NATION ENTERTAINMENT IN | COM | 538034109 |  | 1175537 | 16856 | SH |  | SOLE |  | 12631 | 0 | 4225 |
| AMGEN INC | COM | 031162100 |  | 1249378 | 4757 | SH |  | SOLE |  | 3611 | 0 | 1146 |
| CROWN HLDGS INC | COM | 228368106 |  | 1342407 | 16329 | SH |  | SOLE |  | 11787 | 0 | 4542 |
| ISHARES TR | CORE HIGH DV ETF | 46429B663 |  | 1359346 | 13041 | SH |  | SOLE |  | 12043 | 0 | 998 |
| ADOBE SYSTEMS INCORPORATED | COM | 00724F101 |  | 1539404 | 4574 | SH |  | SOLE |  | 3110 | 0 | 1464 |
| MCDONALDS CORP | COM | 580135101 |  | 1558767 | 5915 | SH |  | SOLE |  | 1414 | 0 | 4501 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 |  | 1569310 | 31386 | SH |  | SOLE |  | 29297 | 0 | 2089 |
| ISHARES TR | S 100 ETF | 464287101 |  | 1580672 | 9267 | SH |  | SOLE |  | 6832 | 0 | 2435 |
| APPLIED MATLS INC | COM | 038222105 |  | 1591871 | 16347 | SH |  | SOLE |  | 4705 | 0 | 11642 |
| INVESCO EXCHANGE TRADED FD T | DYNMC FOOD BEV | 46137V753 |  | 1631646 | 35743 | SH |  | SOLE |  | 28444 | 0 | 7299 |
| PINTEREST INC | CL A | 72352L106 |  | 1727643 | 71155 | SH |  | SOLE |  | 53039 | 0 | 18116 |
| MERCK  CO INC | COM | 58933Y105 |  | 1737366 | 15659 | SH |  | SOLE |  | 1083 | 0 | 14576 |
| VANGUARD SCOTTSDALE FDS | VNG RUS2000IDX | 92206C664 |  | 1753198 | 24914 | SH |  | SOLE |  | 24914 | 0 | 0 |
| WP CAREY INC | COM | 92936U109 |  | 1858641 | 23783 | SH |  | SOLE |  | 0 | 0 | 23783 |
| VANGUARD WHITEHALL FDS | INTL HIGH ETF | 921946794 |  | 1912555 | 32106 | SH |  | SOLE |  | 29104 | 0 | 3002 |
| SKYWORKS SOLUTIONS INC | COM | 83088M102 |  | 1958839 | 21495 | SH |  | SOLE |  | 21495 | 0 | 0 |
| COMCAST CORP NEW | CL A | 20030N101 |  | 1962156 | 56110 | SH |  | SOLE |  | 49577 | 0 | 6533 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 1966665 | 46859 | SH |  | SOLE |  | 45642 | 0 | 1217 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 1980308 | 32127 | SH |  | SOLE |  | 24607 | 0 | 7520 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 2033651 | 51616 | SH |  | SOLE |  | 38985 | 0 | 12631 |
| ISHARES TR | MSCI INTL QUALTY | 46434V456 |  | 2190924 | 67642 | SH |  | SOLE |  | 67236 | 0 | 406 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 2198388 | 43845 | SH |  | SOLE |  | 33600 | 0 | 10245 |
| BOOKING HOLDINGS INC | COM | 09857L108 |  | 2204716 | 1094 | SH |  | SOLE |  | 805 | 0 | 289 |
| BROADSTONE NET LEASE INC | COM | 11135E203 |  | 2348973 | 144909 | SH |  | SOLE |  | 144909 | 0 | 0 |
| SEAGEN INC | COM | 81181C104 |  | 2399410 | 18671 | SH |  | SOLE |  | 14558 | 0 | 4113 |
| VERTEX PHARMACEUTICALS INC | COM | 92532F100 |  | 2474267 | 8568 | SH |  | SOLE |  | 6338 | 0 | 2230 |
| NORFOLK SOUTHN CORP | COM | 655844108 |  | 2786764 | 11309 | SH |  | SOLE |  | 8535 | 0 | 2774 |
| AMERICAN TOWER CORP NEW | COM | 03027X100 |  | 2902694 | 13701 | SH |  | SOLE |  | 9409 | 0 | 4292 |
| FISERV INC | COM | 337738108 |  | 2993693 | 29620 | SH |  | SOLE |  | 21620 | 0 | 8000 |
| L3HARRIS TECHNOLOGIES INC | COM | 502431109 |  | 3056008 | 14678 | SH |  | SOLE |  | 11101 | 0 | 3577 |
| CORTEVA INC | COM | 22052L104 |  | 3078250 | 52369 | SH |  | SOLE |  | 32602 | 0 | 19767 |
| NEWMONT CORP | COM | 651639106 |  | 3099174 | 65660 | SH |  | SOLE |  | 53293 | 0 | 12367 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 3328370 | 34317 | SH |  | SOLE |  | 31824 | 0 | 2493 |
| META PLATFORMS INC | CL A | 30303M102 |  | 3361698 | 27935 | SH |  | SOLE |  | 23187 | 0 | 4748 |
| BIOMARIN PHARMACEUTICAL INC | COM | 09061G101 |  | 3754514 | 36279 | SH |  | SOLE |  | 26927 | 0 | 9352 |
| PFIZER INC | COM | 717081103 |  | 3770977 | 73594 | SH |  | SOLE |  | 41839 | 0 | 31755 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 4003986 | 8771 | SH |  | SOLE |  | 6313 | 0 | 2458 |
| CME GROUP INC | COM | 12572Q105 |  | 4173238 | 24817 | SH |  | SOLE |  | 21555 | 0 | 3262 |
| US BANCORP DEL | COM NEW | 902973304 |  | 4276630 | 98065 | SH |  | SOLE |  | 88294 | 0 | 9771 |
| ONEOK INC NEW | COM | 682680103 |  | 4836088 | 73609 | SH |  | SOLE |  | 63280 | 0 | 10329 |
| UNION PAC CORP | COM | 907818108 |  | 4967379 | 23989 | SH |  | SOLE |  | 19538 | 0 | 4451 |
| AMERISOURCEBERGEN CORP | COM | 03073E105 |  | 5024722 | 30322 | SH |  | SOLE |  | 26595 | 0 | 3727 |
| HONEYWELL INTL INC | COM | 438516106 |  | 5040336 | 23520 | SH |  | SOLE |  | 16739 | 0 | 6781 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 5102238 | 53912 | SH |  | SOLE |  | 44973 | 0 | 8939 |
| ELECTRONIC ARTS INC | COM | 285512109 |  | 5126726 | 41960 | SH |  | SOLE |  | 36457 | 0 | 5503 |
| MCKESSON CORP | COM | 58155Q103 |  | 5151101 | 13732 | SH |  | SOLE |  | 12102 | 0 | 1630 |
| ALTRIA GROUP INC | COM | 02209S103 |  | 5316809 | 116316 | SH |  | SOLE |  | 105269 | 0 | 11047 |
| BALL CORP | COM | 058498106 |  | 5534138 | 108215 | SH |  | SOLE |  | 90343 | 0 | 17872 |
| MONDELEZ INTL INC | CL A | 609207105 |  | 5549489 | 83263 | SH |  | SOLE |  | 71178 | 0 | 12085 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 5990842 | 29394 | SH |  | SOLE |  | 24276 | 0 | 5118 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 6223239 | 159652 | SH |  | SOLE |  | 149363 | 0 | 10289 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 |  | 6229774 | 86585 | SH |  | SOLE |  | 70292 | 0 | 16293 |
| QUALCOMM INC | COM | 747525103 |  | 6430354 | 58490 | SH |  | SOLE |  | 46468 | 0 | 12022 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 6490662 | 76343 | SH |  | SOLE |  | 53494 | 0 | 22849 |
| CMS ENERGY CORP | COM | 125896100 |  | 6604496 | 104287 | SH |  | SOLE |  | 91163 | 0 | 13124 |
| NASDAQ INC | COM | 631103108 |  | 6746508 | 109968 | SH |  | SOLE |  | 91855 | 0 | 18113 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 7409165 | 21307 | SH |  | SOLE |  | 17247 | 0 | 4060 |
| VISA INC | COM CL A | 92826C839 |  | 7654624 | 36844 | SH |  | SOLE |  | 29120 | 0 | 7724 |
| ISHARES TR | BROAD USD HIGH | 46435U853 |  | 7860620 | 227646 | SH |  | SOLE |  | 208390 | 0 | 19256 |
| CIGNA CORP NEW | COM | 125523100 |  | 8079304 | 24384 | SH |  | SOLE |  | 22165 | 0 | 2219 |
| LOWES COS INC | COM | 548661107 |  | 8361598 | 41967 | SH |  | SOLE |  | 33904 | 0 | 8063 |
| ISHARES TR | CORE S US GWT | 464287671 |  | 8394103 | 102970 | SH |  | SOLE |  | 84815 | 0 | 18155 |
| STRYKER CORPORATION | COM | 863667101 |  | 8483072 | 34697 | SH |  | SOLE |  | 27191 | 0 | 7506 |
| INTERCONTINENTAL EXCHANGE IN | COM | 45866F104 |  | 8493982 | 82795 | SH |  | SOLE |  | 67145 | 0 | 15650 |
| SCHWAB CHARLES CORP | COM | 808513105 |  | 8517257 | 102297 | SH |  | SOLE |  | 87814 | 0 | 14483 |
| TEXAS INSTRS INC | COM | 882508104 |  | 8774983 | 53111 | SH |  | SOLE |  | 44291 | 0 | 8820 |
| EOG RES INC | COM | 26875P101 |  | 8907303 | 68772 | SH |  | SOLE |  | 59996 | 0 | 8776 |
| AMAZON COM INC | COM | 023135106 |  | 8919312 | 106182 | SH |  | SOLE |  | 79993 | 0 | 26189 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 9672784 | 109014 | SH |  | SOLE |  | 80934 | 0 | 28080 |
| GENERAL DYNAMICS CORP | COM | 369550108 |  | 9870794 | 39784 | SH |  | SOLE |  | 35554 | 0 | 4230 |
| ASTRAZENECA PLC | SPONSORED ADR | 046353108 |  | 9972193 | 147082 | SH |  | SOLE |  | 123193 | 0 | 23889 |
| DTE ENERGY CO | COM | 233331107 |  | 10167269 | 86508 | SH |  | SOLE |  | 72671 | 0 | 13837 |
| COCA COLA CO | COM | 191216100 |  | 10185334 | 160122 | SH |  | SOLE |  | 141486 | 0 | 18636 |
| BROADCOM INC | COM | 11135F101 |  | 10193431 | 18231 | SH |  | SOLE |  | 16185 | 0 | 2046 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 10317560 | 26979 | SH |  | SOLE |  | 20474 | 0 | 6505 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 11455863 | 152359 | SH |  | SOLE |  | 120351 | 0 | 32008 |
| CATERPILLAR INC | COM | 149123101 |  | 12116888 | 50580 | SH |  | SOLE |  | 42819 | 0 | 7761 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 12124627 | 145031 | SH |  | SOLE |  | 122544 | 0 | 22487 |
| GENUINE PARTS CO | COM | 372460105 |  | 12244944 | 70572 | SH |  | SOLE |  | 64405 | 0 | 6167 |
| ISHARES TR | CORE S US VLU | 464287663 |  | 12312911 | 174330 | SH |  | SOLE |  | 138493 | 0 | 35837 |
| BANK AMERICA CORP | COM | 060505104 |  | 12461850 | 376264 | SH |  | SOLE |  | 291902 | 0 | 84362 |
| CONSTELLATION BRANDS INC | CL A | 21036P108 |  | 14139928 | 61014 | SH |  | SOLE |  | 46856 | 0 | 14158 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 14408912 | 133157 | SH |  | SOLE |  | 124099 | 0 | 9058 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 14747396 | 145711 | SH |  | SOLE |  | 126664 | 0 | 19047 |
| ISHARES TR | CORE S ETF | 464287200 |  | 15804949 | 41136 | SH |  | SOLE |  | 35346 | 0 | 5790 |
| CHEVRON CORP NEW | COM | 166764100 |  | 16084264 | 89611 | SH |  | SOLE |  | 75940 | 0 | 13671 |
| RAYTHEON TECHNOLOGIES CORP | COM | 75513E101 |  | 17361691 | 172034 | SH |  | SOLE |  | 141214 | 0 | 30820 |
| PEPSICO INC | COM | 713448108 |  | 17414590 | 96394 | SH |  | SOLE |  | 79942 | 0 | 16452 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 17796662 | 33567 | SH |  | SOLE |  | 25865 | 0 | 7702 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 19912878 | 256907 | SH |  | SOLE |  | 208459 | 0 | 48448 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 20298477 | 106169 | SH |  | SOLE |  | 83012 | 0 | 23157 |
| ISHARES TR | INTRM GOV CR ETF | 464288612 |  | 22426151 | 218877 | SH |  | SOLE |  | 179265 | 0 | 39612 |
| APPLE INC | COM | 037833100 |  | 22690772 | 174638 | SH |  | SOLE |  | 132043 | 0 | 42595 |
| MICROSOFT CORP | COM | 594918104 |  | 22954833 | 95717 | SH |  | SOLE |  | 70749 | 0 | 24968 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 23315799 | 173869 | SH |  | SOLE |  | 132138 | 0 | 41731 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 26628824 | 241422 | SH |  | SOLE |  | 204912 | 0 | 36510 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 29532610 | 167181 | SH |  | SOLE |  | 140126 | 0 | 27055 |

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