# EDGAR Filing Document

**Accession Number:** 0001033505
**File Stem:** 0001033505-25-000018
**Filing Date:** 2025-11
**Character Count:** 33749
**Document Hash:** 484a966e5f70b2797cdcf4eaf7d5b0e6
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001033505-25-000018.hdr.sgml**: 20251112

**ACCESSION NUMBER**: 0001033505-25-000018

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251112

**DATE AS OF CHANGE**: 20251112

**EFFECTIVENESS DATE**: 20251112

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** COBBLESTONE CAPITAL ADVISORS LLC /NY/
- **CENTRAL INDEX KEY:** 0001033505

**ORGANIZATION NAME:**
- **EIN:** 161543732
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-06026
- **FILM NUMBER:** 251470868

**BUSINESS ADDRESS:**
- **STREET 1:** 500 LINDEN OAKS,  STE 210
- **CITY:** ROCHESTER
- **STATE:** NY
- **ZIP:** 14625
- **BUSINESS PHONE:** 5854733333

**MAIL ADDRESS:**
- **STREET 1:** 500 LINDEN OAKS,  STE 210
- **CITY:** ROCHESTER
- **STATE:** NY
- **ZIP:** 14625

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** HESSLER KEOGH & MILLARD ASSOCIATES INC/NY
- **DATE OF NAME CHANGE:** 19980601

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 09-30-2025

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

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

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** COBBLESTONE CAPITAL ADVISORS LLC /NY/<br>**Address:** 500 LINDEN OAKS  STE 210<br>ROCHESTER, NY 14625

**Form 13F File Number:** 028-06026

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:** Jason S. Garlock<br>**Title:** Chief Compliance Officer<br>**Phone:** 585-473-3333

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

Jason S. Garlock  Rochester, NY  11-12-2025<br>[Signature]  [City, State]  [Date]

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

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

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

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

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 304

**Form 13F Information Table Value Total:** $2082483307

      (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 |
| 3M CO | COM | 88579Y101 |  | 431401 | 2780 | SH |  | SOLE |  | 2380 | 0 | 400 |
| ABBOTT LABS | COM | 002824100 |  | 1116792 | 8338 | SH |  | SOLE |  | 8338 | 0 | 0 |
| ABBVIE INC | COM | 00287Y109 |  | 2453861 | 10598 | SH |  | SOLE |  | 10598 | 0 | 0 |
| ACCENTURE PLC IRELAND | SHS CLASS A | G1151C101 |  | 617240 | 2503 | SH |  | SOLE |  | 2103 | 0 | 400 |
| ADOBE INC | COM | 00724F101 |  | 810267 | 2297 | SH |  | SOLE |  | 2274 | 0 | 23 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 |  | 529351 | 3272 | SH |  | SOLE |  | 3272 | 0 | 0 |
| AFLAC INC | COM | 001055102 |  | 512145 | 4585 | SH |  | SOLE |  | 4440 | 0 | 145 |
| ALIBABA GROUP HLDG LTD | SPONSORED ADS | 01609W102 |  | 435208 | 2435 | SH |  | SOLE |  | 2265 | 0 | 170 |
| ALLIANCE RESOURCE PARTNERS L | UT LTD PART | 01877R108 |  | 272320 | 10770 | SH |  | SOLE |  | 10770 | 0 | 0 |
| ALLSTATE CORP | COM | 020002101 |  | 392381 | 1828 | SH |  | SOLE |  | 1828 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 17590483 | 72359 | SH |  | SOLE |  | 70533 | 0 | 1826 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 60586214 | 248763 | SH |  | SOLE |  | 233877 | 0 | 14886 |
| ALTRIA GROUP INC | COM | 02209S103 |  | 505098 | 7646 | SH |  | SOLE |  | 6346 | 0 | 1300 |
| AMAZON COM INC | COM | 023135106 |  | 63924732 | 291136 | SH |  | SOLE |  | 275353 | 0 | 15783 |
| AMERICAN CENTY ETF TR | AVANTIS ALL INT | 025072174 |  | 1532726 | 21710 | SH |  | SOLE |  | 21710 | 0 | 0 |
| AMERICAN CENTY ETF TR | INTL EQT ETF | 025072703 |  | 1100103 | 13943 | SH |  | SOLE |  | 12223 | 0 | 1720 |
| AMERICAN ELEC PWR CO INC | COM | 025537101 |  | 518175 | 4606 | SH |  | SOLE |  | 4606 | 0 | 0 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 22500598 | 67740 | SH |  | SOLE |  | 64710 | 0 | 3030 |
| AMERICAN INTL GROUP INC | COM NEW | 026874784 |  | 374008 | 4762 | SH |  | SOLE |  | 4587 | 0 | 175 |
| AMERICAN TOWER CORP NEW | COM | 03027X100 |  | 11652387 | 60589 | SH |  | SOLE |  | 56518 | 0 | 4071 |
| AMERICAN WTR WKS CO INC NEW | COM | 030420103 |  | 228411 | 1641 | SH |  | SOLE |  | 1641 | 0 | 0 |
| AMGEN INC | COM | 031162100 |  | 488489 | 1731 | SH |  | SOLE |  | 1331 | 0 | 400 |
| ANALOG DEVICES INC | COM | 032654105 |  | 451843 | 1839 | SH |  | SOLE |  | 1839 | 0 | 0 |
| AON PLC | SHS CL A | G0403H108 |  | 322705 | 905 | SH |  | SOLE |  | 905 | 0 | 0 |
| APPLE INC | COM | 037833100 |  | 86768786 | 340764 | SH |  | SOLE |  | 332738 | 0 | 8026 |
| ARISTA NETWORKS INC | COM SHS | 040413205 |  | 328139 | 2252 | SH |  | SOLE |  | 2252 | 0 | 0 |
| ASTRAZENECA PLC | SPONSORED ADR | 046353108 |  | 274812 | 3582 | SH |  | SOLE |  | 3582 | 0 | 0 |
| AT INC | COM | 00206R102 |  | 344528 | 12200 | SH |  | SOLE |  | 12200 | 0 | 0 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 811234 | 2764 | SH |  | SOLE |  | 2284 | 0 | 480 |
| BANK AMERICA CORP | COM | 060505104 |  | 2141893 | 41518 | SH |  | SOLE |  | 38408 | 0 | 3110 |
| BANK MONTREAL QUE | COM | 063671101 |  | 260500 | 2000 | SH |  | SOLE |  | 2000 | 0 | 0 |
| BANK NEW YORK MELLON CORP | COM | 064058100 |  | 2743613 | 25180 | SH |  | SOLE |  | 25180 | 0 | 0 |
| BARINGS BDC INC | COM | 06759L103 |  | 135465 | 15464 | SH |  | SOLE |  | 15464 | 0 | 0 |
| BERKLEY W R CORP | COM | 084423102 |  | 790719 | 10320 | SH |  | SOLE |  | 10320 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL A | 084670108 |  | 13575600 | 18 | SH |  | SOLE |  | 18 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 47121318 | 93729 | SH |  | SOLE |  | 88289 | 0 | 5440 |
| BLACKROCK INC | COM | 09290D101 |  | 1045786 | 897 | SH |  | SOLE |  | 897 | 0 | 0 |
| BLOOM ENERGY CORP | COM CL A | 093712107 |  | 374899 | 4433 | SH |  | SOLE |  | 4433 | 0 | 0 |
| BOEING CO | COM | 097023105 |  | 1401214 | 6492 | SH |  | SOLE |  | 6492 | 0 | 0 |
| BRINKER INTL INC | COM | 109641100 |  | 215356 | 1700 | SH |  | SOLE |  | 1700 | 0 | 0 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 |  | 910500 | 20188 | SH |  | SOLE |  | 17000 | 0 | 3188 |
| BROADCOM INC | COM | 11135F101 |  | 1551161 | 4702 | SH |  | SOLE |  | 4702 | 0 | 0 |
| BROADSTONE NET LEASE INC | COM | 11135E203 |  | 13304710 | 744528 | SH |  | SOLE |  | 744528 | 0 | 0 |
| BROOKFIELD CORP | CL A LTD VT SH | 11271J107 |  | 22818470 | 332728 | SH |  | SOLE |  | 315052 | 0 | 17676 |
| CANADIAN NATL RY CO | COM | 136375102 |  | 18139033 | 192355 | SH |  | SOLE |  | 181044 | 0 | 11311 |
| CARRIER GLOBAL CORPORATION | COM | 14448C104 |  | 380349 | 6371 | SH |  | SOLE |  | 5971 | 0 | 400 |
| CATERPILLAR INC | COM | 149123101 |  | 1938184 | 4062 | SH |  | SOLE |  | 3812 | 0 | 250 |
| CHEVRON CORP NEW | COM | 166764100 |  | 5128934 | 33028 | SH |  | SOLE |  | 32405 | 0 | 623 |
| CHUBB LIMITED | COM | H1467J104 |  | 402489 | 1426 | SH |  | SOLE |  | 1426 | 0 | 0 |
| CINCINNATI FINL CORP | COM | 172062101 |  | 279837 | 1770 | SH |  | SOLE |  | 1770 | 0 | 0 |
| CISCO SYS INC | COM | 17275R102 |  | 1684637 | 24622 | SH |  | SOLE |  | 24622 | 0 | 0 |
| CITIZENS FINL GROUP INC | COM | 174610105 |  | 549126 | 10330 | SH |  | SOLE |  | 9935 | 0 | 395 |
| COCA COLA CO | COM | 191216100 |  | 1954660 | 29473 | SH |  | SOLE |  | 27995 | 0 | 1478 |
| COLGATE PALMOLIVE CO | COM | 194162103 |  | 367325 | 4595 | SH |  | SOLE |  | 4595 | 0 | 0 |
| COMCAST CORP NEW | CL A | 20030N101 |  | 1175491 | 37412 | SH |  | SOLE |  | 37104 | 0 | 308 |
| CONOCOPHILLIPS | COM | 20825C104 |  | 317634 | 3358 | SH |  | SOLE |  | 3358 | 0 | 0 |
| CONSOLIDATED EDISON INC | COM | 209115104 |  | 505817 | 5032 | SH |  | SOLE |  | 4770 | 0 | 262 |
| CONSTELLATION BRANDS INC | CL A | 21036P108 |  | 784844 | 5828 | SH |  | SOLE |  | 5828 | 0 | 0 |
| CONSTELLATION ENERGY CORP | COM | 21037T109 |  | 295505 | 898 | SH |  | SOLE |  | 792 | 0 | 106 |
| COPART INC | COM | 217204106 |  | 18295775 | 406844 | SH |  | SOLE |  | 380864 | 0 | 25980 |
| CORNING INC | COM | 219350105 |  | 3240749 | 39507 | SH |  | SOLE |  | 32200 | 0 | 7307 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 15081830 | 16294 | SH |  | SOLE |  | 15427 | 0 | 867 |
| CRESCENT CAP BDC INC | COM | 225655109 |  | 838246 | 58783 | SH |  | SOLE |  | 58783 | 0 | 0 |
| CRH PLC | ORD | G25508105 |  | 662808 | 5528 | SH |  | SOLE |  | 5400 | 0 | 128 |
| CROWDSTRIKE HLDGS INC | CL A | 22788C105 |  | 619350 | 1263 | SH |  | SOLE |  | 1225 | 0 | 38 |
| CROWN HLDGS INC | COM | 228368106 |  | 899447 | 9312 | SH |  | SOLE |  | 9312 | 0 | 0 |
| CSX CORP | COM | 126408103 |  | 630161 | 17746 | SH |  | SOLE |  | 17746 | 0 | 0 |
| CVS HEALTH CORP | COM | 126650100 |  | 9795952 | 129937 | SH |  | SOLE |  | 121796 | 0 | 8141 |
| DANAHER CORPORATION | COM | 235851102 |  | 403261 | 2034 | SH |  | SOLE |  | 2034 | 0 | 0 |
| DBX ETF TR | XTRACKERS S MD | 233051127 |  | 603069 | 18741 | SH |  | SOLE |  | 18741 | 0 | 0 |
| DEERE  CO | COM | 244199105 |  | 956131 | 2091 | SH |  | SOLE |  | 2091 | 0 | 0 |
| DIAGEO PLC | SPON ADR NEW | 25243Q205 |  | 11479047 | 120288 | SH |  | SOLE |  | 112324 | 0 | 7964 |
| DICKS SPORTING GOODS INC | COM | 253393102 |  | 1544652 | 6951 | SH |  | SOLE |  | 6951 | 0 | 0 |
| DIMENSIONAL ETF TRUST | EMERGING MARKETS | 25434V682 |  | 224640 | 5467 | SH |  | SOLE |  | 5467 | 0 | 0 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 |  | 537429 | 16390 | SH |  | SOLE |  | 16390 | 0 | 0 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 |  | 86698365 | 2762854 | SH |  | SOLE |  | 2717043 | 0 | 45811 |
| DISNEY WALT CO | COM | 254687106 |  | 1256285 | 10972 | SH |  | SOLE |  | 10868 | 0 | 104 |
| DOMINION ENERGY INC | COM | 25746U109 |  | 476280 | 7786 | SH |  | SOLE |  | 7565 | 0 | 221 |
| DOUBLELINE ETF TRUST | MORTGAGE ETF | 25861R402 |  | 47413526 | 954379 | SH |  | SOLE |  | 938710 | 0 | 15669 |
| DOVER CORP | COM | 260003108 |  | 462787 | 2774 | SH |  | SOLE |  | 2705 | 0 | 69 |
| DUKE ENERGY CORP NEW | COM NEW | 26441C204 |  | 748722 | 6050 | SH |  | SOLE |  | 5415 | 0 | 635 |
| EASTMAN CHEM CO | COM | 277432100 |  | 202517 | 3212 | SH |  | SOLE |  | 2412 | 0 | 800 |
| EASTMAN KODAK CO | COM NEW | 277461406 |  | 193198 | 30140 | SH |  | SOLE |  | 30140 | 0 | 0 |
| EATON CORP PLC | SHS | G29183103 |  | 1257106 | 3359 | SH |  | SOLE |  | 3300 | 0 | 59 |
| ECOLAB INC | COM | 278865100 |  | 223196 | 815 | SH |  | SOLE |  | 815 | 0 | 0 |
| ELI LILLY  CO | COM | 532457108 |  | 1159443 | 1520 | SH |  | SOLE |  | 1520 | 0 | 0 |
| EMERSON ELEC CO | COM | 291011104 |  | 1884307 | 14364 | SH |  | SOLE |  | 14364 | 0 | 0 |
| ENBRIDGE INC | COM | 29250N105 |  | 564093 | 11179 | SH |  | SOLE |  | 10992 | 0 | 187 |
| ENERGY TRANSFER L P | COM UT LTD PTN | 29273V100 |  | 2323344 | 135393 | SH |  | SOLE |  | 135393 | 0 | 0 |
| ENTERPRISE PRODS PARTNERS L | COM | 293792107 |  | 3030567 | 96916 | SH |  | SOLE |  | 96916 | 0 | 0 |
| EQUINIX INC | COM | 29444U700 |  | 302331 | 386 | SH |  | SOLE |  | 386 | 0 | 0 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 5437387 | 48225 | SH |  | SOLE |  | 47759 | 0 | 466 |
| GE AEROSPACE | COM NEW | 369604301 |  | 1745358 | 5802 | SH |  | SOLE |  | 5668 | 0 | 134 |
| GE VERNOVA INC | COM | 36828A101 |  | 967238 | 1573 | SH |  | SOLE |  | 1540 | 0 | 33 |
| GENERAL DYNAMICS CORP | COM | 369550108 |  | 352935 | 1035 | SH |  | SOLE |  | 1035 | 0 | 0 |
| GLOBE LIFE INC | COM | 37959E102 |  | 523414 | 3661 | SH |  | SOLE |  | 3661 | 0 | 0 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 1258233 | 1580 | SH |  | SOLE |  | 1580 | 0 | 0 |
| GRAHAM CORP | COM | 384556106 |  | 10282167 | 187289 | SH |  | SOLE |  | 187289 | 0 | 0 |
| HCA HEALTHCARE INC | COM | 40412C101 |  | 607762 | 1426 | SH |  | SOLE |  | 1426 | 0 | 0 |
| HENRY JACK  ASSOC INC | COM | 426281101 |  | 18034941 | 121097 | SH |  | SOLE |  | 113147 | 0 | 7950 |
| HOME DEPOT INC | COM | 437076102 |  | 1874970 | 4627 | SH |  | SOLE |  | 3739 | 0 | 888 |
| HOMETRUST BANCSHARES INC | COM | 437872104 |  | 297020 | 7255 | SH |  | SOLE |  | 7028 | 0 | 227 |
| HONEYWELL INTL INC | COM | 438516106 |  | 1223610 | 5813 | SH |  | SOLE |  | 5813 | 0 | 0 |
| IDEXX LABS INC | COM | 45168D104 |  | 15822367 | 24765 | SH |  | SOLE |  | 22753 | 0 | 2012 |
| ILLINOIS TOOL WKS INC | COM | 452308109 |  | 894929 | 3432 | SH |  | SOLE |  | 2832 | 0 | 600 |
| INTEL CORP | COM | 458140100 |  | 423401 | 12620 | SH |  | SOLE |  | 12420 | 0 | 200 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 1320509 | 4680 | SH |  | SOLE |  | 4480 | 0 | 200 |
| INTUIT | COM | 461202103 |  | 437063 | 640 | SH |  | SOLE |  | 640 | 0 | 0 |
| INTUITIVE SURGICAL INC | COM NEW | 46120E602 |  | 655640 | 1466 | SH |  | SOLE |  | 1466 | 0 | 0 |
| INVESCO EXCH TRADED FD TR II | S SMALLCAP 600 | 46138G565 |  | 2953751 | 105588 | SH |  | SOLE |  | 98879 | 0 | 6709 |
| INVESCO EXCHANGE TRADED FD T | RAFI US 1000 ETF | 46137V613 |  | 556762 | 12315 | SH |  | SOLE |  | 12315 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | RAFI US 1500 | 46137V597 |  | 359046 | 7905 | SH |  | SOLE |  | 7905 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 252309 | 1330 | SH |  | SOLE |  | 1330 | 0 | 0 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 746319 | 1243 | SH |  | SOLE |  | 1220 | 0 | 23 |
| IONQ INC | COM | 46222L108 |  | 251966 | 4097 | SH |  | SOLE |  | 4097 | 0 | 0 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 5067849 | 69642 | SH |  | SOLE |  | 69642 | 0 | 0 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 47766655 | 724616 | SH |  | SOLE |  | 714417 | 0 | 10199 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 |  | 921199 | 21216 | SH |  | SOLE |  | 21216 | 0 | 0 |
| ISHARES SILVER TR | ISHARES | 46428Q109 |  | 536532 | 12663 | SH |  | SOLE |  | 12663 | 0 | 0 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 |  | 746889 | 9003 | SH |  | SOLE |  | 9003 | 0 | 0 |
| ISHARES TR | 3 7 YR TREAS BD | 464288661 |  | 274276 | 2295 | SH |  | SOLE |  | 2295 | 0 | 0 |
| ISHARES TR | 7-10 YR TRSY BD | 464287440 |  | 44819864 | 464647 | SH |  | SOLE |  | 456725 | 0 | 7922 |
| ISHARES TR | CORE HIGH DV ETF | 46429B663 |  | 1044499 | 8530 | SH |  | SOLE |  | 8530 | 0 | 0 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 711577 | 8150 | SH |  | SOLE |  | 8150 | 0 | 0 |
| ISHARES TR | CORE MSCI INTL | 46435G326 |  | 2581875 | 32205 | SH |  | SOLE |  | 32205 | 0 | 0 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 |  | 184139739 | 2229835 | SH |  | SOLE |  | 2183444 | 0 | 46391 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 1062254 | 16277 | SH |  | SOLE |  | 16277 | 0 | 0 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 2750202 | 23144 | SH |  | SOLE |  | 23144 | 0 | 0 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 178738622 | 1227179 | SH |  | SOLE |  | 1219271 | 0 | 7908 |
| ISHARES TR | CORE S US GWT | 464287671 |  | 244507 | 1486 | SH |  | SOLE |  | 1486 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 |  | 2552041 | 3813 | SH |  | SOLE |  | 3757 | 0 | 56 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 8456288 | 84352 | SH |  | SOLE |  | 84352 | 0 | 0 |
| ISHARES TR | EAFE SML CP ETF | 464288273 |  | 375928 | 4900 | SH |  | SOLE |  | 4900 | 0 | 0 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 1156765 | 12441 | SH |  | SOLE |  | 12441 | 0 | 0 |
| ISHARES TR | ESG AWRE USD ETF | 46435G193 |  | 429994 | 18251 | SH |  | SOLE |  | 18251 | 0 | 0 |
| ISHARES TR | ESG MSCI KLD 400 | 464288570 |  | 962258 | 7640 | SH |  | SOLE |  | 7640 | 0 | 0 |
| ISHARES TR | ESG OPTIMIZED | 464288802 |  | 4193213 | 30912 | SH |  | SOLE |  | 30912 | 0 | 0 |
| ISHARES TR | IBOXX INV CP ETF | 464287242 |  | 787759 | 7067 | SH |  | SOLE |  | 7067 | 0 | 0 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 2677220 | 50485 | SH |  | SOLE |  | 50485 | 0 | 0 |
| ISHARES TR | MBS ETF | 464288588 |  | 2627663 | 27616 | SH |  | SOLE |  | 24283 | 0 | 3333 |
| ISHARES TR | MSCI ACWI EX US | 464288240 |  | 2572323 | 39568 | SH |  | SOLE |  | 39568 | 0 | 0 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 1633882 | 17499 | SH |  | SOLE |  | 17499 | 0 | 0 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 725012 | 13577 | SH |  | SOLE |  | 13140 | 0 | 437 |
| ISHARES TR | MSCI USA MMENTM | 46432F396 |  | 23980433 | 93509 | SH |  | SOLE |  | 92863 | 0 | 646 |
| ISHARES TR | NEW YORK MUN ETF | 464288323 |  | 226738 | 4250 | SH |  | SOLE |  | 4250 | 0 | 0 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 281046 | 600 | SH |  | SOLE |  | 600 | 0 | 0 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 398223 | 1956 | SH |  | SOLE |  | 1956 | 0 | 0 |
| ISHARES TR | RUS 2000 GRW ETF | 464287648 |  | 1808547 | 5651 | SH |  | SOLE |  | 5651 | 0 | 0 |
| ISHARES TR | RUS 2000 VAL ETF | 464287630 |  | 1211149 | 6850 | SH |  | SOLE |  | 6850 | 0 | 0 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 247794 | 1740 | SH |  | SOLE |  | 1740 | 0 | 0 |
| ISHARES TR | RUS MDCP VAL ETF | 464287473 |  | 205036 | 1468 | SH |  | SOLE |  | 1468 | 0 | 0 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 7909915 | 32691 | SH |  | SOLE |  | 31537 | 0 | 1154 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 |  | 875352 | 2310 | SH |  | SOLE |  | 2310 | 0 | 0 |
| ISHARES TR | S MC 400GR ETF | 464287606 |  | 685889 | 7153 | SH |  | SOLE |  | 7153 | 0 | 0 |
| ISHARES TR | S MC 400VL ETF | 464287705 |  | 527843 | 4069 | SH |  | SOLE |  | 4069 | 0 | 0 |
| ISHARES TR | SELECT DIVID ETF | 464287168 |  | 278374 | 1959 | SH |  | SOLE |  | 1863 | 0 | 96 |
| ISHARES TR | SELECT US REIT | 464287564 |  | 958623 | 15557 | SH |  | SOLE |  | 15557 | 0 | 0 |
| ISHARES TR | U.S. FIN SVC ETF | 464287770 |  | 1605453 | 17910 | SH |  | SOLE |  | 17910 | 0 | 0 |
| ISHARES TR | US TREAS BD ETF | 46429B267 |  | 114158686 | 4937659 | SH |  | SOLE |  | 4849568 | 0 | 88091 |
| ISHARES TR | USD INV GRDE ETF | 464288620 |  | 711968 | 13634 | SH |  | SOLE |  | 11203 | 0 | 2431 |
| J P MORGAN EXCHANGE TRADED F | MUNICIPAL ETF | 46641Q647 |  | 612202 | 12130 | SH |  | SOLE |  | 12130 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 |  | 10667302 | 210276 | SH |  | SOLE |  | 210276 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | US VALUE FACTR | 46641Q753 |  | 57310130 | 1206529 | SH |  | SOLE |  | 1196788 | 0 | 9741 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 5056570 | 27271 | SH |  | SOLE |  | 26246 | 0 | 1025 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 6155302 | 19514 | SH |  | SOLE |  | 17814 | 0 | 1700 |
| KENVUE INC | COM | 49177J102 |  | 763268 | 47028 | SH |  | SOLE |  | 46236 | 0 | 792 |
| KIMBERLY-CLARK CORP | COM | 494368103 |  | 973804 | 7832 | SH |  | SOLE |  | 7726 | 0 | 106 |
| KKR  CO INC | COM | 48251W104 |  | 657937 | 5063 | SH |  | SOLE |  | 5063 | 0 | 0 |
| L3HARRIS TECHNOLOGIES INC | COM | 502431109 |  | 756501 | 2477 | SH |  | SOLE |  | 2477 | 0 | 0 |
| LINDE PLC | SHS | G54950103 |  | 1467750 | 3090 | SH |  | SOLE |  | 3090 | 0 | 0 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 1557036 | 3119 | SH |  | SOLE |  | 3096 | 0 | 23 |
| LOWES COS INC | COM | 548661107 |  | 1019063 | 4055 | SH |  | SOLE |  | 4055 | 0 | 0 |
| LYONDELLBASELL INDUSTRIES N | SHS - A - | N53745100 |  | 202290 | 4125 | SH |  | SOLE |  | 4014 | 0 | 111 |
| M  T BK CORP | COM | 55261F104 |  | 310264 | 1570 | SH |  | SOLE |  | 1470 | 0 | 100 |
| MARATHON PETE CORP | COM | 56585A102 |  | 311276 | 1615 | SH |  | SOLE |  | 1615 | 0 | 0 |
| MARKEL GROUP INC | COM | 570535104 |  | 38221466 | 19997 | SH |  | SOLE |  | 18707 | 0 | 1290 |
| MARVELL TECHNOLOGY INC | COM | 573874104 |  | 218416 | 2598 | SH |  | SOLE |  | 2598 | 0 | 0 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 2241243 | 3940 | SH |  | SOLE |  | 3940 | 0 | 0 |
| MCDONALDS CORP | COM | 580135101 |  | 1980092 | 6516 | SH |  | SOLE |  | 6516 | 0 | 0 |
| MCKESSON CORP | COM | 58155Q103 |  | 1022071 | 1323 | SH |  | SOLE |  | 903 | 0 | 420 |
| MEDTRONIC PLC | SHS | G5960L103 |  | 310197 | 3257 | SH |  | SOLE |  | 3167 | 0 | 90 |
| MERCK  CO INC | COM | 58933Y105 |  | 2937976 | 35005 | SH |  | SOLE |  | 33218 | 0 | 1787 |
| META PLATFORMS INC | CL A | 30303M102 |  | 2422878 | 3299 | SH |  | SOLE |  | 3251 | 0 | 48 |
| MICROSOFT CORP | COM | 594918104 |  | 65158666 | 125801 | SH |  | SOLE |  | 119103 | 0 | 6698 |
| MONDELEZ INTL INC | CL A | 609207105 |  | 260352 | 4168 | SH |  | SOLE |  | 4168 | 0 | 0 |
| MONROE CAP CORP | COM | 610335101 |  | 136750 | 19480 | SH |  | SOLE |  | 19480 | 0 | 0 |
| MOODYS CORP | COM | 615369105 |  | 28067155 | 58905 | SH |  | SOLE |  | 54874 | 0 | 4031 |
| MPLX LP | COM UNIT REP LTD | 55336V100 |  | 259641 | 5198 | SH |  | SOLE |  | 5198 | 0 | 0 |
| NATIONAL FUEL GAS CO | COM | 636180101 |  | 4262229 | 46143 | SH |  | SOLE |  | 46143 | 0 | 0 |
| NETFLIX INC | COM | 64110L106 |  | 821261 | 685 | SH |  | SOLE |  | 685 | 0 | 0 |
| NEWMONT CORP | COM | 651639106 |  | 330327 | 3918 | SH |  | SOLE |  | 3918 | 0 | 0 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 2026681 | 26847 | SH |  | SOLE |  | 26847 | 0 | 0 |
| NIKE INC | CL B | 654106103 |  | 1015190 | 14559 | SH |  | SOLE |  | 13271 | 0 | 1288 |
| NORFOLK SOUTHN CORP | COM | 655844108 |  | 382723 | 1274 | SH |  | SOLE |  | 1274 | 0 | 0 |
| NOVARTIS AG | SPONSORED ADR | 66987V109 |  | 215957 | 1684 | SH |  | SOLE |  | 1684 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 58450708 | 313274 | SH |  | SOLE |  | 295139 | 0 | 18135 |
| OLD REP INTL CORP | COM | 680223104 |  | 367536 | 8654 | SH |  | SOLE |  | 8294 | 0 | 360 |
| OLD SECOND BANCORP INC ILL | COM | 680277100 |  | 235578 | 13629 | SH |  | SOLE |  | 13185 | 0 | 444 |
| ORACLE CORP | COM | 68389X105 |  | 2983676 | 10609 | SH |  | SOLE |  | 9784 | 0 | 825 |
| OREILLY AUTOMOTIVE INC | COM | 67103H107 |  | 16206215 | 150322 | SH |  | SOLE |  | 141712 | 0 | 8610 |
| OTIS WORLDWIDE CORP | COM | 68902V107 |  | 232964 | 2548 | SH |  | SOLE |  | 2348 | 0 | 200 |
| PALO ALTO NETWORKS INC | COM | 697435105 |  | 295657 | 1452 | SH |  | SOLE |  | 1452 | 0 | 0 |
| PAYCHEX INC | COM | 704326107 |  | 6308465 | 49767 | SH |  | SOLE |  | 49767 | 0 | 0 |
| PAYLOCITY HLDG CORP | COM | 70438V106 |  | 316151 | 1985 | SH |  | SOLE |  | 1985 | 0 | 0 |
| PEPSICO INC | COM | 713448108 |  | 16240593 | 115641 | SH |  | SOLE |  | 107717 | 0 | 7924 |
| PFIZER INC | COM | 717081103 |  | 1048446 | 41148 | SH |  | SOLE |  | 36162 | 0 | 4986 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 734530 | 4529 | SH |  | SOLE |  | 3801 | 0 | 728 |
| PHILLIPS 66 | COM | 718546104 |  | 2302241 | 16926 | SH |  | SOLE |  | 16839 | 0 | 87 |
| PIMCO ETF TR | ENHAN SHRT MA AC | 72201R833 |  | 1258625 | 12500 | SH |  | SOLE |  | 12500 | 0 | 0 |
| PPL CORP | COM | 69351T106 |  | 551418 | 14839 | SH |  | SOLE |  | 14839 | 0 | 0 |
| PROCORE TECHNOLOGIES INC | COM | 74275K108 |  | 17144295 | 235111 | SH |  | SOLE |  | 219769 | 0 | 15342 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 7898704 | 51407 | SH |  | SOLE |  | 48373 | 0 | 3034 |
| QUALCOMM INC | COM | 747525103 |  | 1559616 | 9375 | SH |  | SOLE |  | 9282 | 0 | 93 |
| REGIONS FINANCIAL CORP NEW | COM | 7591EP100 |  | 270293 | 10250 | SH |  | SOLE |  | 10250 | 0 | 0 |
| REPUBLIC SVCS INC | COM | 760759100 |  | 20184257 | 87956 | SH |  | SOLE |  | 82225 | 0 | 5731 |
| ROPER TECHNOLOGIES INC | COM | 776696106 |  | 508664 | 1020 | SH |  | SOLE |  | 1020 | 0 | 0 |
| ROYAL BK CDA | COM | 780087102 |  | 441960 | 3000 | SH |  | SOLE |  | 3000 | 0 | 0 |
| RTX CORPORATION | COM | 75513E101 |  | 1829587 | 10934 | SH |  | SOLE |  | 10534 | 0 | 400 |
| S GLOBAL INC | COM | 78409V104 |  | 391315 | 804 | SH |  | SOLE |  | 804 | 0 | 0 |
| SALESFORCE INC | COM | 79466L302 |  | 366267 | 1545 | SH |  | SOLE |  | 1545 | 0 | 0 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 |  | 3200884 | 95921 | SH |  | SOLE |  | 93765 | 0 | 2156 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL US L | 808524771 |  | 10809134 | 410994 | SH |  | SOLE |  | 409504 | 0 | 1490 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 286950 | 12326 | SH |  | SOLE |  | 12326 | 0 | 0 |
| SCHWAB STRATEGIC TR | INT-TRM U.S TRES | 808524854 |  | 3632115 | 144533 | SH |  | SOLE |  | 144533 | 0 | 0 |
| SCHWAB STRATEGIC TR | SHT TM US TRES | 808524862 |  | 2226012 | 91230 | SH |  | SOLE |  | 91230 | 0 | 0 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 21026153 | 817820 | SH |  | SOLE |  | 801055 | 0 | 16765 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 554163 | 20299 | SH |  | SOLE |  | 20299 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 13120240 | 498111 | SH |  | SOLE |  | 492141 | 0 | 5970 |
| SCHWAB STRATEGIC TR | US REIT ETF | 808524847 |  | 276312 | 12810 | SH |  | SOLE |  | 11560 | 0 | 1250 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 2915411 | 104495 | SH |  | SOLE |  | 100430 | 0 | 4065 |
| SELECT SECTOR SPDR TR | SBI CONS STPLS | 81369Y308 |  | 403371 | 5147 | SH |  | SOLE |  | 5147 | 0 | 0 |
| SERVICENOW INC | COM | 81762P102 |  | 353388 | 384 | SH |  | SOLE |  | 384 | 0 | 0 |
| SHOPIFY INC | CL A SUB VTG SHS | 82509L107 |  | 5059725 | 34047 | SH |  | SOLE |  | 31599 | 0 | 2448 |
| SILEXION THERAPEUTICS CORP | *W EXP 08/15/202 | G1281K114 |  | 352 | 10000 | SH |  | SOLE |  | 10000 | 0 | 0 |
| SNAP ON INC | COM | 833034101 |  | 223166 | 644 | SH |  | SOLE |  | 644 | 0 | 0 |
| SOUTHERN CO | COM | 842587107 |  | 1069406 | 11284 | SH |  | SOLE |  | 11106 | 0 | 178 |
| SPDR INDEX SHS FDS | MSCI ACWI EXUS | 78463X848 |  | 15931550 | 456230 | SH |  | SOLE |  | 443329 | 0 | 12901 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 23078027 | 34642 | SH |  | SOLE |  | 34642 | 0 | 0 |
| SPDR SERIES TRUST | PORT MTG BK ETF | 78464A383 |  | 2101394 | 93645 | SH |  | SOLE |  | 93645 | 0 | 0 |
| SPDR SERIES TRUST | PORTFLI INTRMDIT | 78464A672 |  | 301716 | 10440 | SH |  | SOLE |  | 10440 | 0 | 0 |
| SPDR SERIES TRUST | PORTFOLIO CRPORT | 78464A144 |  | 1814838 | 61250 | SH |  | SOLE |  | 61250 | 0 | 0 |
| SPDR SERIES TRUST | PORTFOLIO SH TSR | 78468R101 |  | 5230902 | 178407 | SH |  | SOLE |  | 178407 | 0 | 0 |
| SPDR SERIES TRUST | S BK ETF | 78464A797 |  | 638765 | 10750 | SH |  | SOLE |  | 10750 | 0 | 0 |
| SPROTT ASSET MANAGEMENT LP | PHYSICAL GOLD AN | 85208R101 |  | 759599 | 20703 | SH |  | SOLE |  | 20703 | 0 | 0 |
| SPROTT ASSET MANAGEMENT LP | PHYSICAL GOLD TR | 85207H104 |  | 608662 | 20549 | SH |  | SOLE |  | 20549 | 0 | 0 |
| SSGA ACTIVE ETF TR | SPDR TR TACTIC | 78467V848 |  | 1199574 | 29568 | SH |  | SOLE |  | 24718 | 0 | 4850 |
| STARBUCKS CORP | COM | 855244109 |  | 424857 | 5022 | SH |  | SOLE |  | 5022 | 0 | 0 |
| STATE STR CORP | COM | 857477103 |  | 234921 | 2025 | SH |  | SOLE |  | 2025 | 0 | 0 |
| STRYKER CORPORATION | COM | 863667101 |  | 1630985 | 4412 | SH |  | SOLE |  | 4412 | 0 | 0 |
| SYSCO CORP | COM | 871829107 |  | 205850 | 2500 | SH |  | SOLE |  | 2500 | 0 | 0 |
| T-MOBILE US INC | COM | 872590104 |  | 281272 | 1175 | SH |  | SOLE |  | 1175 | 0 | 0 |
| TAIWAN SEMICONDUCTOR MFG LTD | SPONSORED ADS | 874039100 |  | 736488 | 2637 | SH |  | SOLE |  | 2637 | 0 | 0 |
| TC ENERGY CORP | COM | 87807B107 |  | 200501 | 3685 | SH |  | SOLE |  | 3190 | 0 | 495 |
| TE CONNECTIVITY PLC | ORD SHS | G87052109 |  | 371133 | 1691 | SH |  | SOLE |  | 1625 | 0 | 66 |
| TEGNA INC | COM | 87901J105 |  | 593372 | 29187 | SH |  | SOLE |  | 29187 | 0 | 0 |
| TESLA INC | COM | 88160R101 |  | 356221 | 801 | SH |  | SOLE |  | 747 | 0 | 54 |
| TEXAS INSTRS INC | COM | 882508104 |  | 269716 | 1468 | SH |  | SOLE |  | 1468 | 0 | 0 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 |  | 1047159 | 2159 | SH |  | SOLE |  | 2159 | 0 | 0 |
| TIMKEN CO | COM | 887389104 |  | 242381 | 3224 | SH |  | SOLE |  | 3143 | 0 | 81 |
| TJX COS INC NEW | COM | 872540109 |  | 14531786 | 100538 | SH |  | SOLE |  | 96308 | 0 | 4230 |
| TOMPKINS FINL CORP | COM | 890110109 |  | 382032 | 5770 | SH |  | SOLE |  | 5770 | 0 | 0 |
| TORONTO DOMINION BK ONT | COM NEW | 891160509 |  | 1306383 | 16340 | SH |  | SOLE |  | 16340 | 0 | 0 |
| TRANE TECHNOLOGIES PLC | SHS | G8994E103 |  | 617328 | 1463 | SH |  | SOLE |  | 1463 | 0 | 0 |
| TRAVELERS COMPANIES INC | COM | 89417E109 |  | 243201 | 871 | SH |  | SOLE |  | 871 | 0 | 0 |
| TRUIST FINL CORP | COM | 89832Q109 |  | 1269736 | 27772 | SH |  | SOLE |  | 27772 | 0 | 0 |
| UNION PAC CORP | COM | 907818108 |  | 409630 | 1733 | SH |  | SOLE |  | 1733 | 0 | 0 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 961661 | 2785 | SH |  | SOLE |  | 2785 | 0 | 0 |
| UNUM GROUP | COM | 91529Y106 |  | 345033 | 4436 | SH |  | SOLE |  | 4436 | 0 | 0 |
| UR-ENERGY INC | COM | 91688R108 |  | 34100 | 19050 | SH |  | SOLE |  | 19050 | 0 | 0 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 5039697 | 67765 | SH |  | SOLE |  | 67622 | 0 | 143 |
| VANGUARD INDEX FDS | EXTEND MKT ETF | 922908652 |  | 48890311 | 233545 | SH |  | SOLE |  | 228801 | 0 | 4744 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 872891 | 1820 | SH |  | SOLE |  | 1820 | 0 | 0 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 305090 | 991 | SH |  | SOLE |  | 991 | 0 | 0 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 472041 | 1607 | SH |  | SOLE |  | 1523 | 0 | 84 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 405905 | 4440 | SH |  | SOLE |  | 4440 | 0 | 0 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 13765219 | 22478 | SH |  | SOLE |  | 22428 | 0 | 50 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 272993 | 1308 | SH |  | SOLE |  | 1308 | 0 | 0 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 898626 | 3534 | SH |  | SOLE |  | 3534 | 0 | 0 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 30630535 | 93337 | SH |  | SOLE |  | 92132 | 0 | 1205 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 1498634 | 8036 | SH |  | SOLE |  | 8036 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 2304823 | 32294 | SH |  | SOLE |  | 29239 | 0 | 3055 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 1719364 | 31734 | SH |  | SOLE |  | 30014 | 0 | 1720 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 1260733 | 9149 | SH |  | SOLE |  | 9149 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 |  | 9896366 | 164857 | SH |  | SOLE |  | 164461 | 0 | 396 |
| VANGUARD SCOTTSDALE FDS | MTG-BKD SECS ETF | 92206C771 |  | 3649732 | 77720 | SH |  | SOLE |  | 77720 | 0 | 0 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 453807 | 2103 | SH |  | SOLE |  | 2103 | 0 | 0 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 1186600 | 16153 | SH |  | SOLE |  | 16153 | 0 | 0 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 1580870 | 26383 | SH |  | SOLE |  | 26383 | 0 | 0 |
| VANGUARD WELLINGTON FD | US QUALITY | 921935706 |  | 200593 | 1330 | SH |  | SOLE |  | 1330 | 0 | 0 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 201277 | 1428 | SH |  | SOLE |  | 1289 | 0 | 139 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 211745 | 4818 | SH |  | SOLE |  | 4818 | 0 | 0 |
| VISA INC | COM CL A | 92826C839 |  | 35906900 | 105182 | SH |  | SOLE |  | 97601 | 0 | 7581 |
| VITESSE ENERGY INC | COMMON STOCK | 92852X103 |  | 470408 | 20250 | SH |  | SOLE |  | 20250 | 0 | 0 |
| WALMART INC | COM | 931142103 |  | 1075741 | 10438 | SH |  | SOLE |  | 9238 | 0 | 1200 |
| WASTE MGMT INC DEL | COM | 94106L109 |  | 1285894 | 5823 | SH |  | SOLE |  | 5823 | 0 | 0 |
| WEBSTER FINL CORP | COM | 947890109 |  | 641256 | 10788 | SH |  | SOLE |  | 10415 | 0 | 373 |
| WEC ENERGY GROUP INC | COM | 92939U106 |  | 343083 | 2994 | SH |  | SOLE |  | 2856 | 0 | 138 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 10071728 | 120159 | SH |  | SOLE |  | 116314 | 0 | 3845 |
| WENDYS CO | COM | 95058W100 |  | 190913 | 20842 | SH |  | SOLE |  | 20072 | 0 | 770 |
| WHEATON PRECIOUS METALS CORP | COM | 962879102 |  | 2032622 | 18174 | SH |  | SOLE |  | 18174 | 0 | 0 |
| WISDOMTREE TR | FLOATNG RAT TREA | 97717Y527 |  | 2543110 | 50589 | SH |  | SOLE |  | 50589 | 0 | 0 |
| YUM BRANDS INC | COM | 988498101 |  | 1474179 | 9699 | SH |  | SOLE |  | 9699 | 0 | 0 |
| YUM CHINA HLDGS INC | COM | 98850P109 |  | 502722 | 11713 | SH |  | SOLE |  | 11713 | 0 | 0 |
| ZIMMER BIOMET HOLDINGS INC | COM | 98956P102 |  | 384446 | 3903 | SH |  | SOLE |  | 3436 | 0 | 467 |

---