# EDGAR Filing Document

**Accession Number:** 0001794198
**File Stem:** 0000950123-23-000536
**Filing Date:** 2023-1
**Character Count:** 38087
**Document Hash:** 0c5bf794064cec0ac1f5bd448b1b9506
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000950123-23-000536.hdr.sgml**: 20230131

**ACCESSION NUMBER**: 0000950123-23-000536

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230131

**DATE AS OF CHANGE**: 20230131

**EFFECTIVENESS DATE**: 20230131

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Graypoint LLC
- **CENTRAL INDEX KEY:** 0001794198
- **IRS NUMBER:** 161627374
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-20228
- **FILM NUMBER:** 23571545

**BUSINESS ADDRESS:**
- **STREET 1:** 4 TOWER PLACE
- **STREET 2:** SUITE 1001
- **CITY:** ALBANY
- **STATE:** NY
- **ZIP:** 12203
- **BUSINESS PHONE:** 518-641-6860

**MAIL ADDRESS:**
- **STREET 1:** 4 TOWER PLACE
- **STREET 2:** SUITE 1001
- **CITY:** ALBANY
- **STATE:** NY
- **ZIP:** 12203

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** JNB Advisors LLC
- **DATE OF NAME CHANGE:** 20191114

### 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:** Graypoint LLC<br>**Address:** 4 Tower Place<br>Suite 1001<br>Albany, NY 12203

**Form 13F File Number:** 028-20228

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:** Steven Pardo<br>**Title:** Compliance Officer<br>**Phone:** 518-218-5223

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

Steven Pardo  Albany, NY  01-30-2023<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:** 333

**Form 13F Information Table Value Total:** $838148765

      (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 |
| AMAZON COM INC COM | Stock | 023135106 |  | 3245504 | 38637 | SH |  | SOLE |  | 38636 | 0 | 0 |
| BLACKROCK SHORT MATURITY MUNICIPAL BOND ETF | ETF | 46431W838 |  | 1109536 | 22316 | SH |  | SOLE |  | 22315 | 0 | 0 |
| PRUDENTIAL FINL INC COM | Stock | 744320102 |  | 264888 | 2663 | SH |  | SOLE |  | 2663 | 0 | 0 |
| TECHNOLOGY SELECT SECTOR SPDR FUND | ETF | 81369Y803 |  | 24046533 | 193238 | SH |  | SOLE |  | 193237 | 0 | 0 |
| STARBUCKS CORP COM | Stock | 855244109 |  | 1022777 | 10310 | SH |  | SOLE |  | 10310 | 0 | 0 |
| SEMPRA COM | Stock | 816851109 |  | 269146 | 1742 | SH |  | SOLE |  | 1741 | 0 | 0 |
| ELEVANCE HEALTH INC COM | Stock | 036752103 |  | 553723 | 1079 | SH |  | SOLE |  | 1079 | 0 | 0 |
| DOLLAR GEN CORP NEW COM | Stock | 256677105 |  | 502152 | 2039 | SH |  | SOLE |  | 2039 | 0 | 0 |
| SPDR PORTFOLIO S 500 HIGH DIVIDEND ETF | ETF | 78468R788 |  | 210964 | 5330 | SH |  | SOLE |  | 5330 | 0 | 0 |
| MONSTER BEVERAGE CORP NEW COM | Stock | 61174X109 |  | 248952 | 2452 | SH |  | SOLE |  | 2452 | 0 | 0 |
| JOHNSON  JOHNSON COM | Stock | 478160104 |  | 2751707 | 15577 | SH |  | SOLE |  | 15577 | 0 | 0 |
| WASTE MGMT INC DEL COM | Stock | 94106L109 |  | 741283 | 4725 | SH |  | SOLE |  | 4725 | 0 | 0 |
| VANGUARD TOTAL STOCK MARKET ETF | ETF | 922908769 |  | 24332378 | 127268 | SH |  | SOLE |  | 127268 | 0 | 0 |
| DEXCOM INC COM | Stock | 252131107 |  | 206323 | 1822 | SH |  | SOLE |  | 1822 | 0 | 0 |
| COSTCO WHSL CORP NEW COM | Stock | 22160K105 |  | 590047 | 1293 | SH |  | SOLE |  | 1292 | 0 | 0 |
| HCA HEALTHCARE INC COM | Stock | 40412C101 |  | 237522 | 990 | SH |  | SOLE |  | 989 | 0 | 0 |
| GOLDMAN SACHS GROUP INC COM | Stock | 38141G104 |  | 666918 | 1942 | SH |  | SOLE |  | 1942 | 0 | 0 |
| YUM BRANDS INC COM | Stock | 988498101 |  | 2017803 | 15754 | SH |  | SOLE |  | 15754 | 0 | 0 |
| REAL ESTATE SELECT SECTOR SPDR FUND | ETF | 81369Y860 |  | 3332410 | 90236 | SH |  | SOLE |  | 90235 | 0 | 0 |
| PROCTER AND GAMBLE CO COM | Stock | 742718109 |  | 3902450 | 25749 | SH |  | SOLE |  | 25748 | 0 | 0 |
| COCA COLA CO COM | Stock | 191216100 |  | 762056 | 11980 | SH |  | SOLE |  | 11980 | 0 | 0 |
| GENERAL MLS INC COM | Stock | 370334104 |  | 211639 | 2524 | SH |  | SOLE |  | 2524 | 0 | 0 |
| TRUIST FINL CORP COM | Stock | 89832Q109 |  | 510531 | 11865 | SH |  | SOLE |  | 11864 | 0 | 0 |
| UNITED PARCEL SERVICE INC CL B | Stock | 911312106 |  | 515062 | 2963 | SH |  | SOLE |  | 2962 | 0 | 0 |
| MARRIOTT INTL INC NEW CL A | Stock | 571903202 |  | 226762 | 1523 | SH |  | SOLE |  | 1523 | 0 | 0 |
| VANGUARD REAL ESTATE ETF | ETF | 922908553 |  | 685948 | 8317 | SH |  | SOLE |  | 8316 | 0 | 0 |
| ISHARES MSCI USA ESG SELECT ETF | ETF | 464288802 |  | 412511 | 5011 | SH |  | SOLE |  | 5011 | 0 | 0 |
| ISHARES MSCI ACWI EX U.S. ETF | ETF | 464288240 |  | 1165871 | 25624 | SH |  | SOLE |  | 25623 | 0 | 0 |
| INTEL CORP COM | Stock | 458140100 |  | 1925777 | 72863 | SH |  | SOLE |  | 72863 | 0 | 0 |
| MEDTRONIC PLC SHS | Stock | G5960L103 |  | 317772 | 4089 | SH |  | SOLE |  | 4088 | 0 | 0 |
| FORTIVE CORP COM | Stock | 34959J108 |  | 1165691 | 18143 | SH |  | SOLE |  | 18143 | 0 | 0 |
| NETFLIX INC COM | Stock | 64110L106 |  | 1027067 | 3483 | SH |  | SOLE |  | 3483 | 0 | 0 |
| SPDR MSCI USA STRATEGICFACTORS ETF | ETF | 78468R812 |  | 275665 | 2499 | SH |  | SOLE |  | 2499 | 0 | 0 |
| ISHARES MSCI UNITED KINGDOM ETF | ETF | 46435G334 |  | 209561 | 6835 | SH |  | SOLE |  | 6835 | 0 | 0 |
| WELLS FARGO CO NEW PERP PFD CNV A | Convertible Preferred | 949746804 |  | 502440 | 424 | SH |  | SOLE |  | 424 | 0 | 0 |
| PROLOGIS INC. COM | REIT | 74340W103 |  | 515765 | 4575 | SH |  | SOLE |  | 4575 | 0 | 0 |
| MERCK  CO INC COM | Stock | 58933Y105 |  | 3734560 | 33660 | SH |  | SOLE |  | 33659 | 0 | 0 |
| ISHARES SHORT-TERM NATIONAL MUNI BOND ETF | ETF | 464288158 |  | 352745 | 3383 | SH |  | SOLE |  | 3383 | 0 | 0 |
| SPDR S 500 ETF TRUST | ETF | 78462F103 |  | 35747761 | 93475 | SH |  | SOLE |  | 93475 | 0 | 0 |
| MASTERCARD INCORPORATED CL A | Stock | 57636Q104 |  | 5462713 | 15710 | SH |  | SOLE |  | 15709 | 0 | 0 |
| FIRST REP BK SAN FRANCISCO CAL COM | Stock | 33616C100 |  | 5906848 | 48460 | SH |  | SOLE |  | 48460 | 0 | 0 |
| ILLINOIS TOOL WKS INC COM | Stock | 452308109 |  | 367620 | 1669 | SH |  | SOLE |  | 1668 | 0 | 0 |
| ALLSTATE CORP COM | Stock | 020002101 |  | 5830262 | 42996 | SH |  | SOLE |  | 42996 | 0 | 0 |
| DIAGEO PLC SPON ADR NEW | ADR | 25243Q205 |  | 223876 | 1256 | SH |  | SOLE |  | 1256 | 0 | 0 |
| ISHARES TIPS BOND ETF | ETF | 464287176 |  | 1357110 | 12750 | SH |  | SOLE |  | 12750 | 0 | 0 |
| VERTEX PHARMACEUTICALS INC COM | Stock | 92532F100 |  | 236800 | 820 | SH |  | SOLE |  | 820 | 0 | 0 |
| LIONS GATE ENTMNT CORP CL B NON VTG | Stock | 535919500 |  | 229418 | 42250 | SH |  | SOLE |  | 42250 | 0 | 0 |
| CORNING INC COM | Stock | 219350105 |  | 489760 | 15334 | SH |  | SOLE |  | 15333 | 0 | 0 |
| JPMORGAN HIGH YIELD RESEARCH ENHANCED ETF | ETF | 46641Q878 |  | 584499 | 13333 | SH |  | SOLE |  | 13332 | 0 | 0 |
| BANK NEW YORK MELLON CORP COM | Stock | 064058100 |  | 366976 | 8062 | SH |  | SOLE |  | 8061 | 0 | 0 |
| VERIZON COMMUNICATIONS INC COM | Stock | 92343V104 |  | 1464664 | 37174 | SH |  | SOLE |  | 37174 | 0 | 0 |
| CHUBB LIMITED COM | Stock | H1467J104 |  | 389429 | 1765 | SH |  | SOLE |  | 1765 | 0 | 0 |
| PEPSICO INC COM | Stock | 713448108 |  | 1476806 | 8175 | SH |  | SOLE |  | 8174 | 0 | 0 |
| KIMBERLY-CLARK CORP COM | Stock | 494368103 |  | 315729 | 2326 | SH |  | SOLE |  | 2325 | 0 | 0 |
| HONEYWELL INTL INC COM | Stock | 438516106 |  | 509145 | 2376 | SH |  | SOLE |  | 2375 | 0 | 0 |
| FORD MTR CO DEL COM | Stock | 345370860 |  | 171761 | 14769 | SH |  | SOLE |  | 14768 | 0 | 0 |
| US BANCORP DEL COM NEW | Stock | 902973304 |  | 565085 | 12958 | SH |  | SOLE |  | 12957 | 0 | 0 |
| HOME DEPOT INC COM | Stock | 437076102 |  | 4239768 | 13423 | SH |  | SOLE |  | 13422 | 0 | 0 |
| BAXTER INTL INC COM | Stock | 071813109 |  | 893200 | 17524 | SH |  | SOLE |  | 17524 | 0 | 0 |
| AUTOMATIC DATA PROCESSING INC COM | Stock | 053015103 |  | 696055 | 2914 | SH |  | SOLE |  | 2914 | 0 | 0 |
| DUPONT DE NEMOURS INC COM | Stock | 26614N102 |  | 463144 | 6748 | SH |  | SOLE |  | 6748 | 0 | 0 |
| ISHARES RUSSELL 2000 VALUE ETF | ETF | 464287630 |  | 502956 | 3627 | SH |  | SOLE |  | 3627 | 0 | 0 |
| HEALTH CARE SELECT SECTOR SPDR FUND | ETF | 81369Y209 |  | 33672543 | 247866 | SH |  | SOLE |  | 247865 | 0 | 0 |
| SOUTHERN CO COM | Stock | 842587107 |  | 297665 | 4168 | SH |  | SOLE |  | 4168 | 0 | 0 |
| BECTON DICKINSON  CO COM | Stock | 075887109 |  | 1647136 | 6477 | SH |  | SOLE |  | 6477 | 0 | 0 |
| REGIONS FINANCIAL CORP NEW COM | Stock | 7591EP100 |  | 398557 | 18486 | SH |  | SOLE |  | 18485 | 0 | 0 |
| ISHARES RUSSELL 1000 GROWTH ETF | ETF | 464287614 |  | 28517186 | 133109 | SH |  | SOLE |  | 133108 | 0 | 0 |
| CONSUMER STAPLES SELECT SECTOR SPDR FUND | ETF | 81369Y308 |  | 11498516 | 154239 | SH |  | SOLE |  | 154238 | 0 | 0 |
| SPDR PORTFOLIO S 400 MID CAP ETF | ETF | 78464A847 |  | 631253 | 14853 | SH |  | SOLE |  | 14853 | 0 | 0 |
| JPMORGAN ULTRA-SHORT INCOME ETF | ETF | 46641Q837 |  | 2651149 | 52885 | SH |  | SOLE |  | 52885 | 0 | 0 |
| AON PLC SHS CL A | Stock | G0403H108 |  | 323592 | 1078 | SH |  | SOLE |  | 1078 | 0 | 0 |
| SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF | ETF | 78464A474 |  | 963517 | 32795 | SH |  | SOLE |  | 32795 | 0 | 0 |
| ISHARES CORE S SMALL CAP ETF | ETF | 464287804 |  | 16626645 | 175683 | SH |  | SOLE |  | 175683 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL CL B NEW | Stock | 084670702 |  | 3341371 | 10817 | SH |  | SOLE |  | 10817 | 0 | 0 |
| CARTERS INC COM | Stock | 146229109 |  | 367454 | 4925 | SH |  | SOLE |  | 4925 | 0 | 0 |
| ADOBE SYSTEMS INCORPORATED COM | Stock | 00724F101 |  | 996802 | 2962 | SH |  | SOLE |  | 2962 | 0 | 0 |
| VANGUARD SHORT-TERM CORPORATE BOND ETF | ETF | 92206C409 |  | 2769202 | 36829 | SH |  | SOLE |  | 36829 | 0 | 0 |
| VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF | ETF | 92206C870 |  | 842693 | 10872 | SH |  | SOLE |  | 10872 | 0 | 0 |
| ALPHABET INC CAP STK CL A | Stock | 02079K305 |  | 3552934 | 40269 | SH |  | SOLE |  | 40269 | 0 | 0 |
| PROGRESSIVE CORP COM | Stock | 743315103 |  | 278548 | 2147 | SH |  | SOLE |  | 2147 | 0 | 0 |
| VANGUARD U.S. VALUE FACTOR ETF | ETF | 921935805 |  | 493350 | 5000 | SH |  | SOLE |  | 5000 | 0 | 0 |
| VANGUARD U.S. MOMENTUM FACTOR ETF | ETF | 921935508 |  | 421338 | 3694 | SH |  | SOLE |  | 3694 | 0 | 0 |
| FISERV INC COM | Stock | 337738108 |  | 5416341 | 53590 | SH |  | SOLE |  | 53590 | 0 | 0 |
| INTUIT COM | Stock | 461202103 |  | 347673 | 893 | SH |  | SOLE |  | 893 | 0 | 0 |
| UNILEVER PLC SPON ADR NEW | ADR | 904767704 |  | 1327889 | 26373 | SH |  | SOLE |  | 26373 | 0 | 0 |
| CSX CORP COM | Stock | 126408103 |  | 251599 | 8121 | SH |  | SOLE |  | 8121 | 0 | 0 |
| GRAPHIC PACKAGING HLDG CO COM | Stock | 388689101 |  | 394275 | 17720 | SH |  | SOLE |  | 17720 | 0 | 0 |
| SENSATA TECHNOLOGIES HLDG PLC SHS | Stock | G8060N102 |  | 342153 | 8473 | SH |  | SOLE |  | 8473 | 0 | 0 |
| COMCAST CORP NEW CL A | Stock | 20030N101 |  | 716230 | 20481 | SH |  | SOLE |  | 20481 | 0 | 0 |
| MICROSOFT CORP COM | Stock | 594918104 |  | 14295062 | 59607 | SH |  | SOLE |  | 59607 | 0 | 0 |
| SS TECHNOLOGIES HLDGS INC COM | Stock | 78467J100 |  | 410351 | 7882 | SH |  | SOLE |  | 7882 | 0 | 0 |
| VALERO ENERGY CORP COM | Stock | 91913Y100 |  | 5291465 | 41711 | SH |  | SOLE |  | 41711 | 0 | 0 |
| SCHLUMBERGER LTD COM STK | Stock | 806857108 |  | 306488 | 5733 | SH |  | SOLE |  | 5733 | 0 | 0 |
| CVS HEALTH CORP COM | Stock | 126650100 |  | 669655 | 7186 | SH |  | SOLE |  | 7185 | 0 | 0 |
| DTE ENERGY CO COM | Stock | 233331107 |  | 1034054 | 8798 | SH |  | SOLE |  | 8798 | 0 | 0 |
| SPROTT PHYSICAL GOLD TR UNIT | CEF | 85207H104 |  | 291574 | 20679 | SH |  | SOLE |  | 20679 | 0 | 0 |
| COMMUNICATION SERVICES SELECT SECTOR SPDR FUND | ETF | 81369Y852 |  | 9201917 | 191747 | SH |  | SOLE |  | 191746 | 0 | 0 |
| SIMON PPTY GROUP INC NEW COM | REIT | 828806109 |  | 284816 | 2424 | SH |  | SOLE |  | 2424 | 0 | 0 |
| TILRAY BRANDS INC COM CL 2 | Stock | 88688T100 |  | 74147 | 27564 | SH |  | SOLE |  | 27564 | 0 | 0 |
| AMERIPRISE FINL INC COM | Stock | 03076C106 |  | 1544936 | 4962 | SH |  | SOLE |  | 4961 | 0 | 0 |
| VANGUARD INTERMEDIATE-TERM TREASURY ETF | ETF | 92206C706 |  | 1025682 | 17539 | SH |  | SOLE |  | 17539 | 0 | 0 |
| ARES CAPITAL CORP COM | CEF | 04010L103 |  | 8404053 | 455011 | SH |  | SOLE |  | 455011 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL CL A | Stock | 084670108 |  | 1406133 | 3 | SH |  | SOLE |  | 3 | 0 | 0 |
| ELANCO ANIMAL HEALTH INC COM | Stock | 28414H103 |  | 341415 | 27939 | SH |  | SOLE |  | 27939 | 0 | 0 |
| BOEING CO COM | Stock | 097023105 |  | 311642 | 1636 | SH |  | SOLE |  | 1636 | 0 | 0 |
| VANGUARD SMALL-CAP ETF | ETF | 922908751 |  | 2323572 | 12660 | SH |  | SOLE |  | 12659 | 0 | 0 |
| VANGUARD MID-CAP ETF | ETF | 922908629 |  | 3146611 | 15439 | SH |  | SOLE |  | 15438 | 0 | 0 |
| NEXTERA ENERGY INC COM | Stock | 65339F101 |  | 775070 | 9271 | SH |  | SOLE |  | 9271 | 0 | 0 |
| NIKE INC CL B | Stock | 654106103 |  | 690667 | 5903 | SH |  | SOLE |  | 5902 | 0 | 0 |
| ALIGN TECHNOLOGY INC COM | Stock | 016255101 |  | 226718 | 1075 | SH |  | SOLE |  | 1075 | 0 | 0 |
| URBAN OUTFITTERS INC COM | Stock | 917047102 |  | 241124 | 10110 | SH |  | SOLE |  | 10110 | 0 | 0 |
| TESLA INC COM | Stock | 88160R101 |  | 801779 | 6509 | SH |  | SOLE |  | 6509 | 0 | 0 |
| MSCI INC COM | Stock | 55354G100 |  | 267020 | 574 | SH |  | SOLE |  | 574 | 0 | 0 |
| LINDE PLC SHS | Stock | G5494J103 |  | 481955 | 1478 | SH |  | SOLE |  | 1477 | 0 | 0 |
| BAIN CAP SPECIALTY FIN INC COM STK | CEF | 05684B107 |  | 300517 | 25253 | SH |  | SOLE |  | 25253 | 0 | 0 |
| FINANCIAL SELECT SECTOR SPDR FUND | ETF | 81369Y605 |  | 14322986 | 418801 | SH |  | SOLE |  | 418800 | 0 | 0 |
| MODERNA INC COM | Stock | 60770K107 |  | 250031 | 1392 | SH |  | SOLE |  | 1392 | 0 | 0 |
| NORFOLK SOUTHN CORP COM | Stock | 655844108 |  | 467079 | 1895 | SH |  | SOLE |  | 1895 | 0 | 0 |
| ALERIAN MLP ETF | ETF | 00162Q452 |  | 697121 | 18312 | SH |  | SOLE |  | 18311 | 0 | 0 |
| VANGUARD FTSE EUROPE ETF | ETF | 922042874 |  | 401563 | 7243 | SH |  | SOLE |  | 7243 | 0 | 0 |
| VANGUARD INFORMATION TECHNOLOGY ETF | ETF | 92204A702 |  | 385847 | 1208 | SH |  | SOLE |  | 1208 | 0 | 0 |
| WALGREENS BOOTS ALLIANCE INC COM | Stock | 931427108 |  | 383127 | 10255 | SH |  | SOLE |  | 10255 | 0 | 0 |
| INTERNATIONAL FLAVORS COM | Stock | 459506101 |  | 251406 | 2398 | SH |  | SOLE |  | 2398 | 0 | 0 |
| HANESBRANDS INC COM | Stock | 410345102 |  | 185254 | 29128 | SH |  | SOLE |  | 29128 | 0 | 0 |
| VANGUARD S 500 ETF | ETF | 922908363 |  | 2979462 | 8480 | SH |  | SOLE |  | 8480 | 0 | 0 |
| BROWN FORMAN CORP CL A | Stock | 115637100 |  | 272641 | 4146 | SH |  | SOLE |  | 4146 | 0 | 0 |
| FIFTH THIRD BANCORP COM | Stock | 316773100 |  | 1277785 | 38945 | SH |  | SOLE |  | 38944 | 0 | 0 |
| WISDOMTREE EUROPE HEDGED EQUITY FUND | ETF | 97717X701 |  | 389817 | 5572 | SH |  | SOLE |  | 5572 | 0 | 0 |
| SPDR S MIDCAP 400 ETF TRUST | ETF | 78467Y107 |  | 1620611 | 3660 | SH |  | SOLE |  | 3660 | 0 | 0 |
| ILLUMINA INC COM | Stock | 452327109 |  | 338685 | 1675 | SH |  | SOLE |  | 1675 | 0 | 0 |
| GENERAL MTRS CO COM | Stock | 37045V100 |  | 504667 | 15002 | SH |  | SOLE |  | 15002 | 0 | 0 |
| HUNTINGTON BANCSHARES INC COM | Stock | 446150104 |  | 261257 | 18529 | SH |  | SOLE |  | 18528 | 0 | 0 |
| AMCOR PLC ORD | Stock | G0250X107 |  | 134853 | 11323 | SH |  | SOLE |  | 11322 | 0 | 0 |
| INVESCO S 500 EQUAL WEIGHT ETF | ETF | 46137V357 |  | 1059375 | 7500 | SH |  | SOLE |  | 7500 | 0 | 0 |
| JPMORGAN CORPORATE BOND RESEARCH ENHANCED ETF | ETF | 46641Q449 |  | 935729 | 21029 | SH |  | SOLE |  | 21029 | 0 | 0 |
| OWL ROCK CAPITAL CORPORATION COM | CEF | 69121K104 |  | 4263532 | 369137 | SH |  | SOLE |  | 369137 | 0 | 0 |
| LILLY ELI  CO COM | Stock | 532457108 |  | 1336255 | 3653 | SH |  | SOLE |  | 3652 | 0 | 0 |
| AIR PRODS  CHEMS INC COM | Stock | 009158106 |  | 494919 | 1606 | SH |  | SOLE |  | 1605 | 0 | 0 |
| WISDOMTREE CLOUD COMPUTING FUND | ETF | 97717Y691 |  | 334718 | 13346 | SH |  | SOLE |  | 13346 | 0 | 0 |
| GRANITESHARES XOUT US LARGE CAP ETF | ETF | 38747R603 |  | 537289 | 16583 | SH |  | SOLE |  | 16583 | 0 | 0 |
| VANGUARD TOTAL INTERNATIONAL STOCK ETF | ETF | 921909768 |  | 237739 | 4597 | SH |  | SOLE |  | 4596 | 0 | 0 |
| ISHARES RUSSELL MID-CAP VALUE ETF | ETF | 464287473 |  | 765295 | 7265 | SH |  | SOLE |  | 7265 | 0 | 0 |
| VANGUARD MORTGAGE-BACKED SECURITIES ETF | ETF | 92206C771 |  | 380365 | 8356 | SH |  | SOLE |  | 8356 | 0 | 0 |
| VANGUARD S 500 GROWTH ETF | ETF | 921932505 |  | 423854 | 2009 | SH |  | SOLE |  | 2009 | 0 | 0 |
| ISHARES RUSSELL 2000 ETF | ETF | 464287655 |  | 1879192 | 10778 | SH |  | SOLE |  | 10777 | 0 | 0 |
| ISHARES CORE HIGH DIVIDEND ETF | ETF | 46429B663 |  | 10771535 | 103334 | SH |  | SOLE |  | 103333 | 0 | 0 |
| DUKE ENERGY CORP NEW COM NEW | Stock | 26441C204 |  | 279287 | 2712 | SH |  | SOLE |  | 2711 | 0 | 0 |
| MICRON TECHNOLOGY INC COM | Stock | 595112103 |  | 420730 | 8418 | SH |  | SOLE |  | 8417 | 0 | 0 |
| CARRIER GLOBAL CORPORATION COM | Stock | 14448C104 |  | 592871 | 14373 | SH |  | SOLE |  | 14372 | 0 | 0 |
| FREEPORT-MCMORAN INC CL B | Stock | 35671D857 |  | 237704 | 6255 | SH |  | SOLE |  | 6255 | 0 | 0 |
| JPMORGAN EQUITY PREMIUM INCOME ETF | ETF | 46641Q332 |  | 15710896 | 288326 | SH |  | SOLE |  | 288326 | 0 | 0 |
| ROYALTY PHARMA PLC SHS CLASS A | Stock | G7709Q104 |  | 1737892 | 43975 | SH |  | SOLE |  | 43975 | 0 | 0 |
| AMERICAN ELEC PWR CO INC COM | Stock | 025537101 |  | 1969444 | 20742 | SH |  | SOLE |  | 20741 | 0 | 0 |
| ISHARES RUSSELL MID-CAP GROWTH ETF | ETF | 464287481 |  | 1237782 | 14806 | SH |  | SOLE |  | 14806 | 0 | 0 |
| MARATHON PETE CORP COM | Stock | 56585A102 |  | 228720 | 1965 | SH |  | SOLE |  | 1965 | 0 | 0 |
| VANGUARD FTSE PACIFIC ETF | ETF | 922042866 |  | 1175826 | 18272 | SH |  | SOLE |  | 18272 | 0 | 0 |
| FIRST TRUST CLOUD COMPUTING ETF | ETF | 33734X192 |  | 417500 | 7247 | SH |  | SOLE |  | 7247 | 0 | 0 |
| VANGUARD SMALL CAP VALUE ETF | ETF | 922908611 |  | 407906 | 2569 | SH |  | SOLE |  | 2568 | 0 | 0 |
| PALANTIR TECHNOLOGIES INC CL A | Stock | 69608A108 |  | 64309 | 10017 | SH |  | SOLE |  | 10017 | 0 | 0 |
| REGENERON PHARMACEUTICALS COM | Stock | 75886F107 |  | 717161 | 994 | SH |  | SOLE |  | 994 | 0 | 0 |
| AIRBNB INC COM CL A | Stock | 009066101 |  | 262143 | 3066 | SH |  | SOLE |  | 3066 | 0 | 0 |
| VANGUARD MID-CAP GROWTH ETF | ETF | 922908538 |  | 609926 | 3393 | SH |  | SOLE |  | 3393 | 0 | 0 |
| WHEELS UP EXPERIENCE INC COM CL A | Stock | 96328L106 |  | 20625 | 20024 | SH |  | SOLE |  | 20024 | 0 | 0 |
| VISA INC COM CL A | Stock | 92826C839 |  | 1883788 | 9067 | SH |  | SOLE |  | 9067 | 0 | 0 |
| HERSHEY CO COM | Stock | 427866108 |  | 835833 | 3609 | SH |  | SOLE |  | 3609 | 0 | 0 |
| ISHARES CMBS ETF | ETF | 46429B366 |  | 500240 | 10896 | SH |  | SOLE |  | 10896 | 0 | 0 |
| VANGUARD SMALL-CAP GROWTH ETF | ETF | 922908595 |  | 373799 | 1864 | SH |  | SOLE |  | 1863 | 0 | 0 |
| VANGUARD VALUE ETF | ETF | 922908744 |  | 302918 | 2158 | SH |  | SOLE |  | 2158 | 0 | 0 |
| ENPHASE ENERGY INC COM | Stock | 29355A107 |  | 211703 | 799 | SH |  | SOLE |  | 799 | 0 | 0 |
| AMERICAN TOWER CORP NEW COM | REIT | 03027X100 |  | 201053 | 949 | SH |  | SOLE |  | 948 | 0 | 0 |
| ISHARES CORE S TOTAL U.S. STOCK MARKET ETF | ETF | 464287150 |  | 369982 | 4363 | SH |  | SOLE |  | 4363 | 0 | 0 |
| META PLATFORMS INC CL A | Stock | 30303M102 |  | 1309540 | 10882 | SH |  | SOLE |  | 10882 | 0 | 0 |
| SERVICENOW INC COM | Stock | 81762P102 |  | 701216 | 1806 | SH |  | SOLE |  | 1806 | 0 | 0 |
| PALO ALTO NETWORKS INC COM | Stock | 697435105 |  | 376618 | 2699 | SH |  | SOLE |  | 2699 | 0 | 0 |
| MONDELEZ INTL INC CL A | Stock | 609207105 |  | 717638 | 10767 | SH |  | SOLE |  | 10767 | 0 | 0 |
| BROADCOM INC COM | Stock | 11135F101 |  | 3852788 | 6891 | SH |  | SOLE |  | 6890 | 0 | 0 |
| EATON VANCE TAX MNGED BUY WRIT COM | CEF | 27828X100 |  | 136392 | 10372 | SH |  | SOLE |  | 10372 | 0 | 0 |
| D R HORTON INC COM | Stock | 23331A109 |  | 335831 | 3767 | SH |  | SOLE |  | 3767 | 0 | 0 |
| METLIFE INC COM | Stock | 59156R108 |  | 202165 | 2793 | SH |  | SOLE |  | 2793 | 0 | 0 |
| MARTIN MARIETTA MATLS INC COM | Stock | 573284106 |  | 407618 | 1206 | SH |  | SOLE |  | 1206 | 0 | 0 |
| MAGNA INTL INC COM | Stock | 559222401 |  | 651661 | 11600 | SH |  | SOLE |  | 11599 | 0 | 0 |
| NOVARTIS AG SPONSORED ADR | ADR | 66987V109 |  | 860547 | 9486 | SH |  | SOLE |  | 9485 | 0 | 0 |
| ISHARES CORE MSCI EAFE ETF | ETF | 46432F842 |  | 6555394 | 106350 | SH |  | SOLE |  | 106349 | 0 | 0 |
| KINDER MORGAN INC DEL COM | Stock | 49456B101 |  | 205455 | 11364 | SH |  | SOLE |  | 11363 | 0 | 0 |
| ACCENTURE PLC IRELAND SHS CLASS A | Stock | G1151C101 |  | 856934 | 3211 | SH |  | SOLE |  | 3211 | 0 | 0 |
| MOHAWK INDS INC COM | Stock | 608190104 |  | 347855 | 3403 | SH |  | SOLE |  | 3403 | 0 | 0 |
| OMNICOM GROUP INC COM | Stock | 681919106 |  | 246995 | 3028 | SH |  | SOLE |  | 3028 | 0 | 0 |
| SPDR BLOOMBERG INVESTMENT GRADE FLOATING RATE ETF | ETF | 78468R200 |  | 1013993 | 33366 | SH |  | SOLE |  | 33366 | 0 | 0 |
| NVIDIA CORPORATION COM | Stock | 67066G104 |  | 12460092 | 85261 | SH |  | SOLE |  | 85261 | 0 | 0 |
| ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF | ETF | 464288646 |  | 4866336 | 97678 | SH |  | SOLE |  | 97678 | 0 | 0 |
| GRAINGER W W INC COM | Stock | 384802104 |  | 418481 | 752 | SH |  | SOLE |  | 752 | 0 | 0 |
| ABBVIE INC COM | Stock | 00287Y109 |  | 1532323 | 9482 | SH |  | SOLE |  | 9481 | 0 | 0 |
| S GLOBAL INC COM | Stock | 78409V104 |  | 205917 | 615 | SH |  | SOLE |  | 614 | 0 | 0 |
| SPDR S BIOTECH ETF | ETF | 78464A870 |  | 266928 | 3216 | SH |  | SOLE |  | 3216 | 0 | 0 |
| ISHARES CORE MSCI EMERGING MARKETS ETF | ETF | 46434G103 |  | 2299899 | 49248 | SH |  | SOLE |  | 49248 | 0 | 0 |
| VANGUARD TOTAL BOND MARKET ETF | ETF | 921937835 |  | 1634144 | 22747 | SH |  | SOLE |  | 22747 | 0 | 0 |
| VANGUARD FTSE ALL-WORLD EX-US INDEX FUND | ETF | 922042775 |  | 1575777 | 31428 | SH |  | SOLE |  | 31427 | 0 | 0 |
| ISHARES MSCI EMERGING MARKETS SMALL CAP ETF | ETF | 464286475 |  | 300160 | 6217 | SH |  | SOLE |  | 6217 | 0 | 0 |
| ZOETIS INC CL A | Stock | 98978V103 |  | 340370 | 2323 | SH |  | SOLE |  | 2322 | 0 | 0 |
| TRUSTCO BK CORP N Y COM NEW | Stock | 898349204 |  | 448374 | 11928 | SH |  | SOLE |  | 11928 | 0 | 0 |
| ISHARES RUSSELL 2000 GROWTH ETF | ETF | 464287648 |  | 781317 | 3642 | SH |  | SOLE |  | 3642 | 0 | 0 |
| BLACKSTONE INC COM | Stock | 09260D107 |  | 2721438 | 36682 | SH |  | SOLE |  | 36682 | 0 | 0 |
| CHURCH  DWIGHT CO INC COM | Stock | 171340102 |  | 5900809 | 73202 | SH |  | SOLE |  | 73201 | 0 | 0 |
| STRYKER CORPORATION COM | Stock | 863667101 |  | 853580 | 3491 | SH |  | SOLE |  | 3491 | 0 | 0 |
| QUALCOMM INC COM | Stock | 747525103 |  | 489450 | 4452 | SH |  | SOLE |  | 4451 | 0 | 0 |
| T-MOBILE US INC COM | Stock | 872590104 |  | 224420 | 1603 | SH |  | SOLE |  | 1603 | 0 | 0 |
| SPDR BLACKSTONE SENIOR LOAN ETF | ETF | 78467V608 |  | 332454 | 8128 | SH |  | SOLE |  | 8128 | 0 | 0 |
| GENERAL DYNAMICS CORP COM | Stock | 369550108 |  | 408267 | 1646 | SH |  | SOLE |  | 1645 | 0 | 0 |
| INTUITIVE SURGICAL INC COM NEW | Stock | 46120E602 |  | 447115 | 1685 | SH |  | SOLE |  | 1685 | 0 | 0 |
| MCDONALDS CORP COM | Stock | 580135101 |  | 3114530 | 11819 | SH |  | SOLE |  | 11818 | 0 | 0 |
| INTERCONTINENTAL EXCHANGE INC COM | Stock | 45866F104 |  | 443965 | 4328 | SH |  | SOLE |  | 4327 | 0 | 0 |
| CISCO SYS INC COM | Stock | 17275R102 |  | 3860954 | 81044 | SH |  | SOLE |  | 81044 | 0 | 0 |
| CAPITAL ONE FINL CORP COM | Stock | 14040H105 |  | 1321565 | 14216 | SH |  | SOLE |  | 14216 | 0 | 0 |
| ISHARES RUSSELL MIDCAP ETF | ETF | 464287499 |  | 876917 | 13001 | SH |  | SOLE |  | 13001 | 0 | 0 |
| ADVANCED MICRO DEVICES INC COM | Stock | 007903107 |  | 442621 | 6834 | SH |  | SOLE |  | 6833 | 0 | 0 |
| AUTODESK INC COM | Stock | 052769106 |  | 463624 | 2481 | SH |  | SOLE |  | 2481 | 0 | 0 |
| AT INC COM | Stock | 00206R102 |  | 554460 | 30117 | SH |  | SOLE |  | 30117 | 0 | 0 |
| VANGUARD FINANCIALS ETF | ETF | 92204A405 |  | 367818 | 4446 | SH |  | SOLE |  | 4446 | 0 | 0 |
| ENERGY SELECT SECTOR SPDR FUND | ETF | 81369Y506 |  | 9822859 | 112300 | SH |  | SOLE |  | 112299 | 0 | 0 |
| MATERIALS SELECT SECTOR SPDR FUND | ETF | 81369Y100 |  | 7535907 | 97012 | SH |  | SOLE |  | 97012 | 0 | 0 |
| GENERAL ELECTRIC CO COM NEW | Stock | 369604301 |  | 336690 | 4018 | SH |  | SOLE |  | 4018 | 0 | 0 |
| ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF | ETF | 464288513 |  | 3597415 | 48858 | SH |  | SOLE |  | 48858 | 0 | 0 |
| ISHARES S SMALL-CAP 600 GROWTH ETF | ETF | 464287887 |  | 222624 | 2060 | SH |  | SOLE |  | 2060 | 0 | 0 |
| INFINERA CORP COM | Stock | 45667G103 |  | 150976 | 22400 | SH |  | SOLE |  | 22400 | 0 | 0 |
| CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND | ETF | 81369Y407 |  | 14173676 | 109737 | SH |  | SOLE |  | 109737 | 0 | 0 |
| INDUSTRIAL SELECT SECTOR SPDR FUND | ETF | 81369Y704 |  | 8847374 | 90086 | SH |  | SOLE |  | 90086 | 0 | 0 |
| BLACKROCK SHORT MATURITY BOND ETF | ETF | 46431W507 |  | 218118 | 4427 | SH |  | SOLE |  | 4427 | 0 | 0 |
| ISHARES S 500 VALUE ETF | ETF | 464287408 |  | 7764971 | 53526 | SH |  | SOLE |  | 53525 | 0 | 0 |
| SPDR PORTFOLIO S 600 SMALL CAP ETF | ETF | 78468R853 |  | 279559 | 7562 | SH |  | SOLE |  | 7561 | 0 | 0 |
| ISHARES S 500 GROWTH ETF | ETF | 464287309 |  | 8850104 | 151284 | SH |  | SOLE |  | 151283 | 0 | 0 |
| ISHARES CORE S 500 ETF | ETF | 464287200 |  | 30305084 | 78876 | SH |  | SOLE |  | 78876 | 0 | 0 |
| CIGNA CORP NEW COM | Stock | 125523100 |  | 416631 | 1257 | SH |  | SOLE |  | 1257 | 0 | 0 |
| ONEOK INC NEW COM | Stock | 682680103 |  | 233191 | 3549 | SH |  | SOLE |  | 3549 | 0 | 0 |
| ISHARES 0-5 YEAR HIGH YIELD CORPORATE BOND ETF | ETF | 46434V407 |  | 266951 | 6529 | SH |  | SOLE |  | 6528 | 0 | 0 |
| WELLS FARGO CO NEW COM | Stock | 949746101 |  | 472675 | 11448 | SH |  | SOLE |  | 11447 | 0 | 0 |
| UNION PAC CORP COM | Stock | 907818108 |  | 11026879 | 53252 | SH |  | SOLE |  | 53251 | 0 | 0 |
| ISHARES MBS ETF | ETF | 464288588 |  | 391869 | 4225 | SH |  | SOLE |  | 4225 | 0 | 0 |
| ISHARES PREFERRED  INCOME SECURITIES ETF | ETF | 464288687 |  | 7220899 | 236518 | SH |  | SOLE |  | 236518 | 0 | 0 |
| SALESFORCE INC COM | Stock | 79466L302 |  | 798457 | 6022 | SH |  | SOLE |  | 6022 | 0 | 0 |
| MCCORMICK  CO INC COM NON VTG | Stock | 579780206 |  | 364467 | 4397 | SH |  | SOLE |  | 4397 | 0 | 0 |
| NORTHROP GRUMMAN CORP COM | Stock | 666807102 |  | 3149554 | 5773 | SH |  | SOLE |  | 5772 | 0 | 0 |
| SPDR EURO STOXX 50 ETF | ETF | 78463X202 |  | 4705881 | 121599 | SH |  | SOLE |  | 121599 | 0 | 0 |
| THERMO FISHER SCIENTIFIC INC COM | Stock | 883556102 |  | 748453 | 1359 | SH |  | SOLE |  | 1359 | 0 | 0 |
| VANGUARD MID-CAP VALUE ETF | ETF | 922908512 |  | 342428 | 2532 | SH |  | SOLE |  | 2532 | 0 | 0 |
| LOCKHEED MARTIN CORP COM | Stock | 539830109 |  | 541842 | 1114 | SH |  | SOLE |  | 1113 | 0 | 0 |
| JPMORGAN CHASE  CO COM | Stock | 46625H100 |  | 8670442 | 64657 | SH |  | SOLE |  | 64656 | 0 | 0 |
| ISHARES 5-10 YEAR INVESTMENT GRADE CORPORATE BOND ETF | ETF | 464288638 |  | 1394647 | 28169 | SH |  | SOLE |  | 28169 | 0 | 0 |
| SPDR PORTFOLIO EMERGING MARKETS ETF | ETF | 78463X509 |  | 769022 | 23332 | SH |  | SOLE |  | 23331 | 0 | 0 |
| CHEVRON CORP NEW COM | Stock | 166764100 |  | 6956460 | 38757 | SH |  | SOLE |  | 38756 | 0 | 0 |
| ISHARES NATIONAL MUNI BOND ETF | ETF | 464288414 |  | 2492057 | 23617 | SH |  | SOLE |  | 23616 | 0 | 0 |
| CONOCOPHILLIPS COM | Stock | 20825C104 |  | 4191251 | 35519 | SH |  | SOLE |  | 35519 | 0 | 0 |
| VANGUARD FTSE DEVELOPED MARKETS ETF | ETF | 921943858 |  | 673251 | 16041 | SH |  | SOLE |  | 16041 | 0 | 0 |
| DANAHER CORPORATION COM | Stock | 235851102 |  | 6836938 | 25759 | SH |  | SOLE |  | 25758 | 0 | 0 |
| TJX COS INC NEW COM | Stock | 872540109 |  | 297986 | 3744 | SH |  | SOLE |  | 3743 | 0 | 0 |
| BANK AMERICA CORP COM | Stock | 060505104 |  | 2369005 | 71528 | SH |  | SOLE |  | 71527 | 0 | 0 |
| SPDR S DIVIDEND ETF | ETF | 78464A763 |  | 5697486 | 45540 | SH |  | SOLE |  | 45539 | 0 | 0 |
| SPDR PORTFOLIO S 1500 COMPOSITE STOCK MARKET ETF | ETF | 78464A805 |  | 1000438 | 21155 | SH |  | SOLE |  | 21155 | 0 | 0 |
| WALMART INC COM | Stock | 931142103 |  | 5869829 | 41398 | SH |  | SOLE |  | 41398 | 0 | 0 |
| INTERNATIONAL BUSINESS MACHS COM | Stock | 459200101 |  | 713772 | 5066 | SH |  | SOLE |  | 5066 | 0 | 0 |
| ORACLE CORP COM | Stock | 68389X105 |  | 595500 | 7285 | SH |  | SOLE |  | 7285 | 0 | 0 |
| RAYTHEON TECHNOLOGIES CORP COM | Stock | 75513E101 |  | 2649125 | 26250 | SH |  | SOLE |  | 26249 | 0 | 0 |
| TEXAS INSTRS INC COM | Stock | 882508104 |  | 10224755 | 61886 | SH |  | SOLE |  | 61885 | 0 | 0 |
| TARGET CORP COM | Stock | 87612E106 |  | 445175 | 2987 | SH |  | SOLE |  | 2986 | 0 | 0 |
| VANGUARD HIGH DIVIDEND YIELD INDEX ETF | ETF | 921946406 |  | 1672602 | 15457 | SH |  | SOLE |  | 15457 | 0 | 0 |
| PFIZER INC COM | Stock | 717081103 |  | 3145045 | 61379 | SH |  | SOLE |  | 61378 | 0 | 0 |
| ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF | ETF | 464287242 |  | 3581548 | 33971 | SH |  | SOLE |  | 33970 | 0 | 0 |
| MORGAN STANLEY COM NEW | Stock | 617446448 |  | 561337 | 6602 | SH |  | SOLE |  | 6602 | 0 | 0 |
| 3M CO COM | Stock | 88579Y101 |  | 637627 | 5317 | SH |  | SOLE |  | 5317 | 0 | 0 |
| KLA CORP COM NEW | Stock | 482480100 |  | 825082 | 2188 | SH |  | SOLE |  | 2188 | 0 | 0 |
| GILEAD SCIENCES INC COM | Stock | 375558103 |  | 454147 | 5290 | SH |  | SOLE |  | 5290 | 0 | 0 |
| CATERPILLAR INC COM | Stock | 149123101 |  | 1509584 | 6301 | SH |  | SOLE |  | 6301 | 0 | 0 |
| ALPHABET INC CAP STK CL C | Stock | 02079K107 |  | 3482358 | 39247 | SH |  | SOLE |  | 39246 | 0 | 0 |
| AMERICAN EXPRESS CO COM | Stock | 025816109 |  | 621502 | 4206 | SH |  | SOLE |  | 4206 | 0 | 0 |
| AMGEN INC COM | Stock | 031162100 |  | 1006774 | 3833 | SH |  | SOLE |  | 3833 | 0 | 0 |
| APPLIED MATLS INC COM | Stock | 038222105 |  | 353127 | 3626 | SH |  | SOLE |  | 3626 | 0 | 0 |
| OTIS WORLDWIDE CORP COM | Stock | 68902V107 |  | 489670 | 6253 | SH |  | SOLE |  | 6252 | 0 | 0 |
| ANALOG DEVICES INC COM | Stock | 032654105 |  | 372381 | 2270 | SH |  | SOLE |  | 2270 | 0 | 0 |
| HUMANA INC COM | Stock | 444859102 |  | 272531 | 532 | SH |  | SOLE |  | 532 | 0 | 0 |
| WILLIAMS COS INC COM | Stock | 969457100 |  | 320618 | 9745 | SH |  | SOLE |  | 9745 | 0 | 0 |
| INVESCO VARIABLE RATE PREFERRED ETF | ETF | 46138G870 |  | 395359 | 17658 | SH |  | SOLE |  | 17657 | 0 | 0 |
| CHECK POINT SOFTWARE TECH LTD ORD | Stock | M22465104 |  | 4147258 | 32873 | SH |  | SOLE |  | 32873 | 0 | 0 |
| VANGUARD DIVIDEND APPRECIATION ETF | ETF | 921908844 |  | 2178732 | 14348 | SH |  | SOLE |  | 14347 | 0 | 0 |
| ISHARES MSCI EAFE SMALL-CAP ETF | ETF | 464288273 |  | 1171194 | 20736 | SH |  | SOLE |  | 20736 | 0 | 0 |
| ISHARES CORE U.S. AGGREGATE BOND ETF | ETF | 464287226 |  | 838818 | 8648 | SH |  | SOLE |  | 8648 | 0 | 0 |
| EATON CORP PLC SHS | Stock | G29183103 |  | 468415 | 2984 | SH |  | SOLE |  | 2984 | 0 | 0 |
| ISHARES CORE MSCI EUROPE ETF | ETF | 46434V738 |  | 11277564 | 237422 | SH |  | SOLE |  | 237422 | 0 | 0 |
| ISHARES S MID-CAP 400 GROWTH ETF | ETF | 464287606 |  | 811199 | 11877 | SH |  | SOLE |  | 11877 | 0 | 0 |
| ISHARES S MID-CAP 400 VALUE ETF | ETF | 464287705 |  | 479203 | 4754 | SH |  | SOLE |  | 4754 | 0 | 0 |
| ISHARES INTERMEDIATE GOVERNMENT/CREDIT BOND ETF | ETF | 464288612 |  | 819488 | 7998 | SH |  | SOLE |  | 7998 | 0 | 0 |
| AXALTA COATING SYS LTD COM | Stock | G0750C108 |  | 370206 | 14535 | SH |  | SOLE |  | 14535 | 0 | 0 |
| CORBUS PHARMACEUTICALS HLDGS I COM | Stock | 21833P103 |  | 1483 | 13420 | SH |  | SOLE |  | 13420 | 0 | 0 |
| VANGUARD SHORT-TERM BOND ETF | ETF | 921937827 |  | 4001042 | 53149 | SH |  | SOLE |  | 53148 | 0 | 0 |
| GARTNER INC COM | Stock | 366651107 |  | 314627 | 936 | SH |  | SOLE |  | 936 | 0 | 0 |
| SPDR PORTFOLIO S 500 GROWTH ETF | ETF | 78464A409 |  | 3768669 | 74377 | SH |  | SOLE |  | 74376 | 0 | 0 |
| SPDR PORTFOLIO S 500 VALUE ETF | ETF | 78464A508 |  | 1153166 | 29652 | SH |  | SOLE |  | 29652 | 0 | 0 |
| PHILIP MORRIS INTL INC COM | Stock | 718172109 |  | 811362 | 8017 | SH |  | SOLE |  | 8016 | 0 | 0 |
| ROPER TECHNOLOGIES INC COM | Stock | 776696106 |  | 3036533 | 7028 | SH |  | SOLE |  | 7027 | 0 | 0 |
| PNC FINL SVCS GROUP INC COM | Stock | 693475105 |  | 373470 | 2365 | SH |  | SOLE |  | 2364 | 0 | 0 |
| EQUINIX INC COM | REIT | 29444U700 |  | 213161 | 325 | SH |  | SOLE |  | 325 | 0 | 0 |
| BRISTOL-MYERS SQUIBB CO COM | Stock | 110122108 |  | 814330 | 11318 | SH |  | SOLE |  | 11318 | 0 | 0 |
| ISHARES RUSSELL 3000 ETF | ETF | 464287689 |  | 1047242 | 4746 | SH |  | SOLE |  | 4745 | 0 | 0 |
| REALTY INCOME CORP COM | REIT | 756109104 |  | 341777 | 5388 | SH |  | SOLE |  | 5388 | 0 | 0 |
| ALTRIA GROUP INC COM | Stock | 02209S103 |  | 364931 | 7984 | SH |  | SOLE |  | 7983 | 0 | 0 |
| DOMINION ENERGY INC COM | Stock | 25746U109 |  | 549702 | 8964 | SH |  | SOLE |  | 8964 | 0 | 0 |
| CITIGROUP INC COM NEW | Stock | 172967424 |  | 239150 | 5287 | SH |  | SOLE |  | 5287 | 0 | 0 |
| AMERICAN WTR WKS CO INC NEW COM | Stock | 030420103 |  | 200181 | 1313 | SH |  | SOLE |  | 1313 | 0 | 0 |
| EXXON MOBIL CORP COM | Stock | 30231G102 |  | 3355764 | 30424 | SH |  | SOLE |  | 30423 | 0 | 0 |
| UNITEDHEALTH GROUP INC COM | Stock | 91324P102 |  | 2414460 | 4554 | SH |  | SOLE |  | 4554 | 0 | 0 |
| PRICE T ROWE GROUP INC COM | Stock | 74144T108 |  | 392398 | 3598 | SH |  | SOLE |  | 3598 | 0 | 0 |
| TRAVELERS COMPANIES INC COM | Stock | 89417E109 |  | 248590 | 1326 | SH |  | SOLE |  | 1325 | 0 | 0 |
| LOWES COS INC COM | Stock | 548661107 |  | 8150085 | 40906 | SH |  | SOLE |  | 40905 | 0 | 0 |
| ARK INNOVATION ETF | ETF | 00214Q104 |  | 128766 | 4122 | SH |  | SOLE |  | 4121 | 0 | 0 |
| DEERE  CO COM | Stock | 244199105 |  | 2391750 | 5578 | SH |  | SOLE |  | 5578 | 0 | 0 |
| COLGATE PALMOLIVE CO COM | Stock | 194162103 |  | 316252 | 4014 | SH |  | SOLE |  | 4013 | 0 | 0 |
| AMERICAN INTL GROUP INC COM NEW | Stock | 026874784 |  | 279480 | 4419 | SH |  | SOLE |  | 4419 | 0 | 0 |
| DEVON ENERGY CORP NEW COM | Stock | 25179M103 |  | 209232 | 3402 | SH |  | SOLE |  | 3401 | 0 | 0 |
| UTILITIES SELECT SECTOR SPDR FUND | ETF | 81369Y886 |  | 10488390 | 148771 | SH |  | SOLE |  | 148771 | 0 | 0 |
| KRAFT HEINZ CO COM | Stock | 500754106 |  | 1001910 | 24611 | SH |  | SOLE |  | 24610 | 0 | 0 |
| PAYPAL HLDGS INC COM | Stock | 70450Y103 |  | 451179 | 6335 | SH |  | SOLE |  | 6335 | 0 | 0 |
| SCHWAB CHARLES CORP COM | Stock | 808513105 |  | 379164 | 4554 | SH |  | SOLE |  | 4553 | 0 | 0 |
| SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF | ETF | 78463X889 |  | 4286943 | 144390 | SH |  | SOLE |  | 144390 | 0 | 0 |
| CROWN CASTLE INC COM | REIT | 22822V101 |  | 339259 | 2501 | SH |  | SOLE |  | 2501 | 0 | 0 |
| BLACKROCK INC COM | Stock | 09247X101 |  | 710133 | 1002 | SH |  | SOLE |  | 1002 | 0 | 0 |
| ISHARES CORE S MID-CAP ETF | ETF | 464287507 |  | 22851555 | 94471 | SH |  | SOLE |  | 94470 | 0 | 0 |
| ISHARES MSCI EAFE ETF | ETF | 464287465 |  | 1253896 | 19103 | SH |  | SOLE |  | 19102 | 0 | 0 |
| APPLE INC COM | Stock | 037833100 |  | 24730937 | 190340 | SH |  | SOLE |  | 190340 | 0 | 0 |
| GOLDMAN SACHS ACTIVEBETA U.S. LARGE CAP EQUITY ETF | ETF | 381430503 |  | 2633565 | 34593 | SH |  | SOLE |  | 34593 | 0 | 0 |
| ABBOTT LABS COM | Stock | 002824100 |  | 7895263 | 71912 | SH |  | SOLE |  | 71912 | 0 | 0 |
| DISNEY WALT CO COM | Stock | 254687106 |  | 4736044 | 54512 | SH |  | SOLE |  | 54512 | 0 | 0 |
| BOOKING HOLDINGS INC COM | Stock | 09857L108 |  | 253925 | 126 | SH |  | SOLE |  | 126 | 0 | 0 |
| ISHARES RUSSELL 1000 ETF | ETF | 464287622 |  | 1245015 | 5914 | SH |  | SOLE |  | 5914 | 0 | 0 |
| MARSH  MCLENNAN COS INC COM | Stock | 571748102 |  | 476102 | 2877 | SH |  | SOLE |  | 2877 | 0 | 0 |
| ISHARES RUSSELL 1000 VALUE ETF | ETF | 464287598 |  | 17857210 | 117753 | SH |  | SOLE |  | 117752 | 0 | 0 |

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