# EDGAR Filing Document

**Accession Number:** 0001942341
**File Stem:** 0001942341-23-000001
**Filing Date:** 2023-2
**Character Count:** 23167
**Document Hash:** 6465c585489cce6a5d14b5eeb261ebbf
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001942341-23-000001.hdr.sgml**: 20230206

**ACCESSION NUMBER**: 0001942341-23-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230206

**DATE AS OF CHANGE**: 20230206

**EFFECTIVENESS DATE**: 20230206

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Vertex Planning Partners, LLC
- **CENTRAL INDEX KEY:** 0001942341
- **IRS NUMBER:** 810781488
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22820
- **FILM NUMBER:** 23590522

**BUSINESS ADDRESS:**
- **STREET 1:** 3000 WOODCREEK DRIVE
- **STREET 2:** SUITE 100
- **CITY:** DOWNERS GROVE
- **STATE:** IL
- **ZIP:** 60515
- **BUSINESS PHONE:** 630-836-3300

**MAIL ADDRESS:**
- **STREET 1:** 3000 WOODCREEK DRIVE
- **STREET 2:** SUITE 100
- **CITY:** DOWNERS GROVE
- **STATE:** IL
- **ZIP:** 60515

### 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:** Vertex Planning Partners LLC<br>**Address:** 3000 Woodcreek Drive<br>Suite 100<br>Downers Grove, IL 60515

**Form 13F File Number:** 028-22820

**CRD Number (if applicable):** 000316839

**SEC File Number (if applicable):** 801-122980

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:** Greg P. Benner<br>**Title:** Chief Compliance Officer<br>**Phone:** 630-836-3300

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

/s/ Greg P. Benner  DOWNERS GROVE, IL  02-06-2023<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:** 1

**Form 13F Information Table Entry Total:** 197

**Form 13F Information Table Value Total:** $256379017

      (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.]

| No.   | Name                  | Form 13F File Number   |
|:---|:---|:---|
|  | NATIXIS ADVISORS L.P. | 028-05788              |

### 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 |  | 219690 | 2001 | SH |  | SOLE |  | 0 | 0 | 2001 |
| ABBOTT LABS | COM | 002824100 |  | 203112 | 1850 | SH |  | DFND | 1 | 0 | 0 | 1850 |
| ABBVIE INC | COM | 00287Y109 |  | 806919 | 4993 | SH |  | SOLE |  | 0 | 0 | 4993 |
| ABBVIE INC | COM | 00287Y109 |  | 276191 | 1709 | SH |  | DFND | 1 | 0 | 0 | 1709 |
| ABRDN PRECIOUS METALS BASKET | PHYSCL PRECS MET | 003263100 |  | 286161 | 3207 | SH |  | SOLE |  | 0 | 0 | 3207 |
| ABRDN PRECIOUS METALS BASKET | PHYSCL PRECS MET | 003263100 |  | 28197 | 316 | SH |  | DFND | 1 | 0 | 0 | 316 |
| ACCENTURE PLC IRELAND | SHS CLASS A | G1151C101 |  | 220944 | 828 | SH |  | DFND | 1 | 0 | 0 | 828 |
| ACCENTURE PLC IRELAND | SHS CLASS A | G1151C101 |  | 3736 | 14 | SH |  | SOLE |  | 0 | 0 | 14 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 221648 | 2498 | SH |  | DFND | 1 | 0 | 0 | 2498 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 38380 | 435 | SH |  | SOLE |  | 0 | 0 | 435 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 47116 | 531 | SH |  | SOLE |  | 0 | 0 | 531 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 229045 | 2596 | SH |  | DFND | 1 | 0 | 0 | 2596 |
| AMAZON COM INC | COM | 023135106 |  | 131292 | 1563 | SH |  | SOLE |  | 0 | 0 | 1563 |
| AMAZON COM INC | COM | 023135106 |  | 236880 | 2820 | SH |  | DFND | 1 | 0 | 0 | 2820 |
| APPLE INC | COM | 037833100 |  | 4154755 | 31977 | SH |  | SOLE |  | 0 | 0 | 31977 |
| APPLE INC | COM | 037833100 |  | 633409 | 4875 | SH |  | DFND | 1 | 0 | 0 | 4875 |
| BANK AMERICA CORP | COM | 060505104 |  | 219652 | 6632 | SH |  | DFND | 1 | 0 | 0 | 6632 |
| BANK AMERICA CORP | COM | 060505104 |  | 43851 | 1324 | SH |  | SOLE |  | 0 | 0 | 1324 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 128811 | 417 | SH |  | SOLE |  | 0 | 0 | 417 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 267199 | 865 | SH |  | DFND | 1 | 0 | 0 | 865 |
| BROADCOM INC | COM | 11135F101 |  | 240985 | 431 | SH |  | DFND | 1 | 0 | 0 | 431 |
| BROADCOM INC | COM | 11135F101 |  | 31870 | 57 | SH |  | SOLE |  | 0 | 0 | 57 |
| CAMPBELL SOUP CO | COM | 134429109 |  | 840354 | 14808 | SH |  | SOLE |  | 0 | 0 | 14808 |
| CAMPBELL SOUP CO | COM | 134429109 |  | 454 | 8 | SH |  | DFND | 1 | 0 | 0 | 8 |
| CHEVRON CORP NEW | COM | 166764100 |  | 173208 | 965 | SH |  | SOLE |  | 0 | 0 | 965 |
| CHEVRON CORP NEW | COM | 166764100 |  | 205516 | 1145 | SH |  | DFND | 1 | 0 | 0 | 1145 |
| COLUMBIA ETF TR I | MULTI SEC MUNI | 19761L607 |  | 100639 | 4992 | SH |  | SOLE |  | 0 | 0 | 4992 |
| COLUMBIA ETF TR I | MULTI SEC MUNI | 19761L607 |  | 243573 | 12082 | SH |  | DFND | 1 | 0 | 0 | 12082 |
| COMCAST CORP NEW | CL A | 20030N101 |  | 208946 | 5975 | SH |  | DFND | 1 | 0 | 0 | 5975 |
| COMCAST CORP NEW | CL A | 20030N101 |  | 48503 | 1387 | SH |  | SOLE |  | 0 | 0 | 1387 |
| CONOCOPHILLIPS | COM | 20825C104 |  | 7080 | 60 | SH |  | SOLE |  | 0 | 0 | 60 |
| CONOCOPHILLIPS | COM | 20825C104 |  | 252874 | 2143 | SH |  | DFND | 1 | 0 | 0 | 2143 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 272987 | 598 | SH |  | SOLE |  | 0 | 0 | 598 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 107734 | 236 | SH |  | DFND | 1 | 0 | 0 | 236 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 271546 | 2462 | SH |  | SOLE |  | 0 | 0 | 2462 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 326598 | 2961 | SH |  | DFND | 1 | 0 | 0 | 2961 |
| FIRST TR EXCHNG TRADED FD VI | CBOE EQT DEP NOV | 33740F839 |  | 443985 | 13590 | SH |  | SOLE |  | 0 | 0 | 13590 |
| HERSHEY CO | COM | 427866108 |  | 313511 | 1354 | SH |  | SOLE |  | 0 | 0 | 1354 |
| HERSHEY CO | COM | 427866108 |  | 15747 | 68 | SH |  | DFND | 1 | 0 | 0 | 68 |
| HOME DEPOT INC | COM | 437076102 |  | 217943 | 690 | SH |  | SOLE |  | 0 | 0 | 690 |
| HOME DEPOT INC | COM | 437076102 |  | 245739 | 778 | SH |  | DFND | 1 | 0 | 0 | 778 |
| INDEXIQ ACTIVE ETF TR | IQ MACKAY INSRED | 45409F843 |  | 1188046 | 50023 | SH |  | SOLE |  | 0 | 0 | 50023 |
| INDEXIQ ACTIVE ETF TR | IQ MACKAY INTRME | 45409F827 |  | 705272 | 29228 | SH |  | SOLE |  | 0 | 0 | 29228 |
| INTUITIVE SURGICAL INC | COM NEW | 46120E602 |  | 285782 | 1077 | SH |  | SOLE |  | 0 | 0 | 1077 |
| INTUITIVE SURGICAL INC | COM NEW | 46120E602 |  | 9818 | 37 | SH |  | DFND | 1 | 0 | 0 | 37 |
| INVESCO DB COMMDY INDX TRCK | UNIT | 46138B103 |  | 995244 | 40375 | SH |  | SOLE |  | 0 | 0 | 40375 |
| INVESCO DB COMMDY INDX TRCK | UNIT | 46138B103 |  | 6779 | 275 | SH |  | DFND | 1 | 0 | 0 | 275 |
| INVESCO EXCH TRADED FD TR II | S EMRNG MKTS | 46138E297 |  | 1878179 | 81624 | SH |  | SOLE |  | 0 | 0 | 81624 |
| INVESCO EXCH TRADED FD TR II | S INTL QULTY | 46138E214 |  | 1248465 | 50474 | SH |  | SOLE |  | 0 | 0 | 50474 |
| INVESCO EXCH TRADED FD TR II | FTSE RAFI DEV | 46138E743 |  | 2009432 | 48373 | SH |  | SOLE |  | 0 | 0 | 48373 |
| INVESCO EXCH TRADED FD TR II | FTSE RAFI DEV | 46138E743 |  | 24675 | 594 | SH |  | DFND | 1 | 0 | 0 | 594 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2025 CB | 46138J825 |  | 240539 | 11943 | SH |  | SOLE |  | 0 | 0 | 11943 |
| INVESCO EXCHANGE TRADED FD T | S PUR GWT | 46137V266 |  | 724847 | 4781 | SH |  | SOLE |  | 0 | 0 | 4781 |
| INVESCO EXCHANGE TRADED FD T | FTSE RAFI 1500 | 46137V597 |  | 380610 | 2403 | SH |  | SOLE |  | 0 | 0 | 2403 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 1791770 | 6729 | SH |  | SOLE |  | 0 | 0 | 6729 |
| ISHARES INC | MSCI EMRG CHN | 46434G764 |  | 263933 | 5560 | SH |  | SOLE |  | 0 | 0 | 5560 |
| ISHARES INC | MSCI GBL MIN VOL | 464286525 |  | 796088 | 8378 | SH |  | SOLE |  | 0 | 0 | 8378 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 127718 | 2072 | SH |  | DFND | 1 | 0 | 0 | 2072 |
| ISHARES TR | TRS FLT RT BD | 46434V860 |  | 499866 | 9916 | SH |  | DFND | 1 | 0 | 0 | 9916 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 412372 | 3908 | SH |  | DFND | 1 | 0 | 0 | 3908 |
| ISHARES TR | CORE S ETF | 464287200 |  | 39189 | 102 | SH |  | DFND | 1 | 0 | 0 | 102 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 9126 | 156 | SH |  | DFND | 1 | 0 | 0 | 156 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 47573 | 561 | SH |  | DFND | 1 | 0 | 0 | 561 |
| ISHARES TR | US TREAS BD ETF | 46429B267 |  | 242846 | 10689 | SH |  | SOLE |  | 0 | 0 | 10689 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 202121 | 3279 | SH |  | SOLE |  | 0 | 0 | 3279 |
| ISHARES TR | MSCI USA MMENTM | 46432F396 |  | 770219 | 5278 | SH |  | SOLE |  | 0 | 0 | 5278 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 652877 | 5729 | SH |  | SOLE |  | 0 | 0 | 5729 |
| ISHARES TR | 0-5YR HI YL CP | 46434V407 |  | 264763 | 6475 | SH |  | SOLE |  | 0 | 0 | 6475 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 6238778 | 73614 | SH |  | SOLE |  | 0 | 0 | 73614 |
| ISHARES TR | CORE TOTAL USD | 46434V613 |  | 746573 | 16616 | SH |  | SOLE |  | 0 | 0 | 16616 |
| ISHARES TR | TRS FLT RT BD | 46434V860 |  | 3766635 | 74720 | SH |  | SOLE |  | 0 | 0 | 74720 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 813202 | 7799 | SH |  | SOLE |  | 0 | 0 | 7799 |
| ISHARES TR | CORE HIGH DV ETF | 46429B663 |  | 359420 | 3448 | SH |  | SOLE |  | 0 | 0 | 3448 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 1272853 | 17654 | SH |  | SOLE |  | 0 | 0 | 17654 |
| ISHARES TR | MBS ETF | 464288588 |  | 546987 | 5897 | SH |  | SOLE |  | 0 | 0 | 5897 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 296300 | 2808 | SH |  | SOLE |  | 0 | 0 | 2808 |
| ISHARES TR | IBONDS 23 TRM TS | 46436E882 |  | 2716452 | 109978 | SH |  | SOLE |  | 0 | 0 | 109978 |
| ISHARES TR | S MC 400GR ETF | 464287606 |  | 291778 | 4272 | SH |  | SOLE |  | 0 | 0 | 4272 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 421958 | 4459 | SH |  | SOLE |  | 0 | 0 | 4459 |
| ISHARES TR | S SML 600 GWT | 464287887 |  | 328650 | 3041 | SH |  | SOLE |  | 0 | 0 | 3041 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 257789 | 1777 | SH |  | SOLE |  | 0 | 0 | 1777 |
| ISHARES TR | CORE S ETF | 464287200 |  | 19514871 | 50792 | SH |  | SOLE |  | 0 | 0 | 50792 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 429189 | 7337 | SH |  | SOLE |  | 0 | 0 | 7337 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 1356801 | 6445 | SH |  | SOLE |  | 0 | 0 | 6445 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 267157 | 1247 | SH |  | SOLE |  | 0 | 0 | 1247 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 |  | 1703416 | 7719 | SH |  | SOLE |  | 0 | 0 | 7719 |
| ISHARES TR | U.S. FINLS ETF | 464287788 |  | 237731 | 3150 | SH |  | SOLE |  | 0 | 0 | 3150 |
| ISHARES TR | U.S. TECH ETF | 464287721 |  | 865193 | 11615 | SH |  | SOLE |  | 0 | 0 | 11615 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 276112 | 4206 | SH |  | SOLE |  | 0 | 0 | 4206 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 478315 | 7091 | SH |  | SOLE |  | 0 | 0 | 7091 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 892094 | 10520 | SH |  | SOLE |  | 0 | 0 | 10520 |
| ISHARES TR | 10-20 YR TRS ETF | 464288653 |  | 248528 | 2297 | SH |  | SOLE |  | 0 | 0 | 2297 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 1182228 | 25768 | SH |  | SOLE |  | 0 | 0 | 25768 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 910059 | 10865 | SH |  | SOLE |  | 0 | 0 | 10865 |
| ISHARES TR | SELECT DIVID ETF | 464287168 |  | 218648 | 1813 | SH |  | SOLE |  | 0 | 0 | 1813 |
| J P MORGAN EXCHANGE TRADED F | INTL BD OPP ETF | 46641Q852 |  | 3716563 | 80827 | SH |  | SOLE |  | 0 | 0 | 80827 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHT MUNCPL | 46641Q654 |  | 2843251 | 56263 | SH |  | SOLE |  | 0 | 0 | 56263 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHT MUNCPL | 46641Q654 |  | 349551 | 6917 | SH |  | DFND | 1 | 0 | 0 | 6917 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 327509 | 1854 | SH |  | DFND | 1 | 0 | 0 | 1854 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 448691 | 2540 | SH |  | SOLE |  | 0 | 0 | 2540 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 182912 | 1364 | SH |  | SOLE |  | 0 | 0 | 1364 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 283622 | 2115 | SH |  | DFND | 1 | 0 | 0 | 2115 |
| KRANESHARES TR | QUADRTC INT RT | 500767736 |  | 317037 | 14022 | SH |  | SOLE |  | 0 | 0 | 14022 |
| KRANESHARES TR | QUADRTC INT RT | 500767736 |  | 272677 | 12060 | SH |  | DFND | 1 | 0 | 0 | 12060 |
| LILLY ELI  CO | COM | 532457108 |  | 182188 | 498 | SH |  | SOLE |  | 0 | 0 | 498 |
| LILLY ELI  CO | COM | 532457108 |  | 237430 | 649 | SH |  | DFND | 1 | 0 | 0 | 649 |
| LOWES COS INC | COM | 548661107 |  | 111574 | 560 | SH |  | DFND | 1 | 0 | 0 | 560 |
| LOWES COS INC | COM | 548661107 |  | 253234 | 1271 | SH |  | SOLE |  | 0 | 0 | 1271 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 3825 | 11 | SH |  | SOLE |  | 0 | 0 | 11 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 318868 | 917 | SH |  | DFND | 1 | 0 | 0 | 917 |
| MCDONALDS CORP | COM | 580135101 |  | 475292 | 1804 | SH |  | SOLE |  | 0 | 0 | 1804 |
| MCDONALDS CORP | COM | 580135101 |  | 273500 | 1038 | SH |  | DFND | 1 | 0 | 0 | 1038 |
| MICROSOFT CORP | COM | 594918104 |  | 554224 | 2311 | SH |  | SOLE |  | 0 | 0 | 2311 |
| MICROSOFT CORP | COM | 594918104 |  | 936257 | 3904 | SH |  | DFND | 1 | 0 | 0 | 3904 |
| NETFLIX INC | COM | 64110L106 |  | 266866 | 905 | SH |  | DFND | 1 | 0 | 0 | 905 |
| NETFLIX INC | COM | 64110L106 |  | 2949 | 10 | SH |  | SOLE |  | 0 | 0 | 10 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 262253 | 3137 | SH |  | SOLE |  | 0 | 0 | 3137 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 165026 | 1974 | SH |  | DFND | 1 | 0 | 0 | 1974 |
| NORTHROP GRUMMAN CORP | COM | 666807102 |  | 3274 | 6 | SH |  | SOLE |  | 0 | 0 | 6 |
| NORTHROP GRUMMAN CORP | COM | 666807102 |  | 364467 | 668 | SH |  | DFND | 1 | 0 | 0 | 668 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 267582 | 1831 | SH |  | DFND | 1 | 0 | 0 | 1831 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 12422 | 85 | SH |  | SOLE |  | 0 | 0 | 85 |
| PEPSICO INC | COM | 713448108 |  | 345833 | 1914 | SH |  | SOLE |  | 0 | 0 | 1914 |
| PEPSICO INC | COM | 713448108 |  | 222573 | 1232 | SH |  | DFND | 1 | 0 | 0 | 1232 |
| PFIZER INC | COM | 717081103 |  | 341310 | 6661 | SH |  | SOLE |  | 0 | 0 | 6661 |
| PFIZER INC | COM | 717081103 |  | 251178 | 4902 | SH |  | DFND | 1 | 0 | 0 | 4902 |
| PIMCO ETF TR | INTER MUN BD ACT | 72201R866 |  | 218211 | 4247 | SH |  | DFND | 1 | 0 | 0 | 4247 |
| PIMCO ETF TR | INV GRD CRP BD | 72201R817 |  | 7421400 | 79800 | SH |  | SOLE |  | 0 | 0 | 79800 |
| PIMCO ETF TR | INTER MUN BD ACT | 72201R866 |  | 553054 | 10764 | SH |  | SOLE |  | 0 | 0 | 10764 |
| PIMCO ETF TR | 25YR+ ZERO U S | 72201R882 |  | 2574630 | 29485 | SH |  | SOLE |  | 0 | 0 | 29485 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 289895 | 1913 | SH |  | SOLE |  | 0 | 0 | 1913 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 204909 | 1352 | SH |  | DFND | 1 | 0 | 0 | 1352 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 1716 | 38 | SH |  | DFND | 1 | 0 | 0 | 38 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 371314 | 8224 | SH |  | SOLE |  | 0 | 0 | 8224 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 |  | 607609 | 13310 | SH |  | SOLE |  | 0 | 0 | 13310 |
| SELECT SECTOR SPDR TR | ENERGY | 81369Y506 |  | 11196 | 128 | SH |  | DFND | 1 | 0 | 0 | 128 |
| SELECT SECTOR SPDR TR | RL EST SEL SEC | 81369Y860 |  | 629902 | 17057 | SH |  | SOLE |  | 0 | 0 | 17057 |
| SELECT SECTOR SPDR TR | ENERGY | 81369Y506 |  | 419287 | 4794 | SH |  | SOLE |  | 0 | 0 | 4794 |
| SELECT SECTOR SPDR TR | SBI INT-INDS | 81369Y704 |  | 454909 | 4632 | SH |  | SOLE |  | 0 | 0 | 4632 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 1020906 | 8204 | SH |  | SOLE |  | 0 | 0 | 8204 |
| SELECT SECTOR SPDR TR | SBI HEALTHCARE | 81369Y209 |  | 536966 | 3953 | SH |  | SOLE |  | 0 | 0 | 3953 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 882664 | 29729 | SH |  | SOLE |  | 0 | 0 | 29729 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 398027 | 12076 | SH |  | SOLE |  | 0 | 0 | 12076 |
| SPDR INDEX SHS FDS | S GBLINF ETF | 78463X855 |  | 219325 | 4184 | SH |  | SOLE |  | 0 | 0 | 4184 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 10056406 | 26296 | SH |  | SOLE |  | 0 | 0 | 26296 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 |  | 315899 | 713 | SH |  | SOLE |  | 0 | 0 | 713 |
| SPDR SER TR | PORTFOLI S | 78464A805 |  | 413958 | 8754 | SH |  | SOLE |  | 0 | 0 | 8754 |
| SPDR SER TR | PORTFOLIO S | 78464A847 |  | 1800189 | 42357 | SH |  | SOLE |  | 0 | 0 | 42357 |
| SPDR SER TR | S DIVID ETF | 78464A763 |  | 299889 | 2397 | SH |  | SOLE |  | 0 | 0 | 2397 |
| SPDR SER TR | PRTFLO S VL | 78464A508 |  | 2817034 | 72436 | SH |  | SOLE |  | 0 | 0 | 72436 |
| SPDR SER TR | PORTFOLIO AGRGTE | 78464A649 |  | 2622190 | 104345 | SH |  | SOLE |  | 0 | 0 | 104345 |
| SPDR SER TR | NUVEEN BLMBRG MU | 78468R721 |  | 572622 | 12552 | SH |  | SOLE |  | 0 | 0 | 12552 |
| SPDR SER TR | PORTFLI INTRMDIT | 78464A672 |  | 637744 | 22583 | SH |  | SOLE |  | 0 | 0 | 22583 |
| SPDR SER TR | PORTFOLIO LN TSR | 78464A664 |  | 427060 | 14711 | SH |  | SOLE |  | 0 | 0 | 14711 |
| SPDR SER TR | S 600 SML CAP | 78464A813 |  | 322345 | 3921 | SH |  | SOLE |  | 0 | 0 | 3921 |
| SPDR SER TR | PORTFOLIO S | 78464A854 |  | 9057295 | 201363 | SH |  | SOLE |  | 0 | 0 | 201363 |
| SPDR SER TR | PORT MTG BK ETF | 78464A383 |  | 937071 | 43183 | SH |  | SOLE |  | 0 | 0 | 43183 |
| SPDR SER TR | PORTFOLIO S | 78468R853 |  | 237079 | 6413 | SH |  | SOLE |  | 0 | 0 | 6413 |
| SPDR SER TR | BLOOMBERG 1 10 Y | 78468R861 |  | 777960 | 42166 | SH |  | SOLE |  | 0 | 0 | 42166 |
| SPDR SER TR | PORTFOLIO SH TSR | 78468R101 |  | 449037 | 15543 | SH |  | SOLE |  | 0 | 0 | 15543 |
| SPDR SER TR | BLOOMBERG SHT TE | 78468R408 |  | 523172 | 21583 | SH |  | SOLE |  | 0 | 0 | 21583 |
| SSGA ACTIVE ETF TR | SPDR TR TACTIC | 78467V848 |  | 245405 | 6129 | SH |  | SOLE |  | 0 | 0 | 6129 |
| TIDAL ETF TR | SP FDS S 500 | 886364801 |  | 587853 | 22847 | SH |  | SOLE |  | 0 | 0 | 22847 |
| TIDAL ETF TR | SP DWJNS SUKUK | 886364702 |  | 355689 | 20005 | SH |  | SOLE |  | 0 | 0 | 20005 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 51427 | 97 | SH |  | SOLE |  | 0 | 0 | 97 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 524348 | 989 | SH |  | DFND | 1 | 0 | 0 | 989 |
| VANGUARD ADMIRAL FDS INC | MIDCP 400 IDX | 921932885 |  | 237177 | 1450 | SH |  | SOLE |  | 0 | 0 | 1450 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 50933 | 239 | SH |  | DFND | 1 | 0 | 0 | 239 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 331141 | 1732 | SH |  | SOLE |  | 0 | 0 | 1732 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 251705 | 1235 | SH |  | SOLE |  | 0 | 0 | 1235 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 894849 | 4199 | SH |  | SOLE |  | 0 | 0 | 4199 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 253102 | 1408 | SH |  | SOLE |  | 0 | 0 | 1408 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 285897 | 2114 | SH |  | SOLE |  | 0 | 0 | 2114 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 295330 | 5108 | SH |  | SOLE |  | 0 | 0 | 5108 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 278493 | 1834 | SH |  | SOLE |  | 0 | 0 | 1834 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 249099 | 2302 | SH |  | SOLE |  | 0 | 0 | 2302 |
| VANGUARD WORLD FDS | INDUSTRIAL ETF | 92204A603 |  | 200356 | 1097 | SH |  | SOLE |  | 0 | 0 | 1097 |
| VANGUARD WORLD FDS | HEALTH CAR ETF | 92204A504 |  | 307582 | 1240 | SH |  | SOLE |  | 0 | 0 | 1240 |
| VANGUARD WORLD FDS | CONSUM STP ETF | 92204A207 |  | 373562 | 1950 | SH |  | SOLE |  | 0 | 0 | 1950 |
| VANGUARD WORLD FDS | INF TECH ETF | 92204A702 |  | 253702 | 794 | SH |  | SOLE |  | 0 | 0 | 794 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 64577 | 1639 | SH |  | DFND | 1 | 0 | 0 | 1639 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 243216 | 6173 | SH |  | SOLE |  | 0 | 0 | 6173 |
| VISA INC | COM CL A | 92826C839 |  | 28879 | 139 | SH |  | SOLE |  | 0 | 0 | 139 |
| VISA INC | COM CL A | 92826C839 |  | 218771 | 1053 | SH |  | DFND | 1 | 0 | 0 | 1053 |
| WALMART INC | COM | 931142103 |  | 519944 | 3667 | SH |  | SOLE |  | 0 | 0 | 3667 |
| WALMART INC | COM | 931142103 |  | 156253 | 1102 | SH |  | DFND | 1 | 0 | 0 | 1102 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 120030 | 2907 | SH |  | DFND | 1 | 0 | 0 | 2907 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 629920 | 15256 | SH |  | SOLE |  | 0 | 0 | 15256 |
| WISDOMTREE TR | GLB HIGH DIV FD | 97717W877 |  | 37721 | 806 | SH |  | DFND | 1 | 0 | 0 | 806 |
| WISDOMTREE TR | US TOTAL DIVIDND | 97717W109 |  | 57072 | 941 | SH |  | DFND | 1 | 0 | 0 | 941 |
| WISDOMTREE TR | FLOATNG RAT TREA | 97717Y527 |  | 2640784 | 52532 | SH |  | DFND | 1 | 0 | 0 | 52532 |
| WISDOMTREE TR | GLB HIGH DIV FD | 97717W877 |  | 23659870 | 505552 | SH |  | SOLE |  | 0 | 0 | 505552 |
| WISDOMTREE TR | GLB US QTLY DIV | 97717W844 |  | 1435109 | 44534 | SH |  | SOLE |  | 0 | 0 | 44534 |
| WISDOMTREE TR | US TOTAL DIVIDND | 97717W109 |  | 30878706 | 509130 | SH |  | SOLE |  | 0 | 0 | 509130 |
| WISDOMTREE TR | ITL HIGH DIV FD | 97717W802 |  | 13275523 | 370101 | SH |  | SOLE |  | 0 | 0 | 370101 |
| WISDOMTREE TR | FLOATNG RAT TREA | 97717Y527 |  | 33500054 | 666402 | SH |  | SOLE |  | 0 | 0 | 666402 |
| WISDOMTREE TR | EM EX ST-OWNED | 97717X578 |  | 3785484 | 141885 | SH |  | SOLE |  | 0 | 0 | 141885 |

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