# EDGAR Filing Document

**Accession Number:** 0001909879
**File Stem:** 0001909879-23-000001
**Filing Date:** 2023-2
**Character Count:** 18240
**Document Hash:** 8cc263501a0b1f74f92e665954704816
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001909879-23-000001.hdr.sgml**: 20230213

**ACCESSION NUMBER**: 0001909879-23-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230213

**DATE AS OF CHANGE**: 20230213

**EFFECTIVENESS DATE**: 20230213

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** WEST MICHIGAN ADVISORS, LLC
- **CENTRAL INDEX KEY:** 0001909879
- **IRS NUMBER:** 854085557
- **STATE OF INCORPORATION:** MA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22214
- **FILM NUMBER:** 23620162

**BUSINESS ADDRESS:**
- **STREET 1:** 320 NORTH 120TH AVENUE
- **STREET 2:** SUITE 240
- **CITY:** HOLLAND
- **STATE:** MI
- **ZIP:** 49424
- **BUSINESS PHONE:** (616) 820-1040

**MAIL ADDRESS:**
- **STREET 1:** 320 NORTH 120TH AVENUE
- **STREET 2:** SUITE 240
- **CITY:** HOLLAND
- **STATE:** MI
- **ZIP:** 49424

### 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:** WEST MICHIGAN ADVISORS LLC<br>**Address:** 320 NORTH 120TH AVENUE<br>SUITE 240<br>HOLLAND, MI 49424

**Form 13F File Number:** 028-22214

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:** STEPHANIE SMITH<br>**Title:** Chief Compliance Officer<br>**Phone:** (616) 820-1040

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

STEPHANIE SMITH  HOLLAND, MI  02-13-2023<br>[Signature]  [City, State]  [Date]

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

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

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

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

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 12

**Form 13F Information Table Entry Total:** 123

**Form 13F Information Table Value Total:** $137365960

      (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   |
|:---|:---|:---|
|  | NORRIS PERNE AND FRENCH          |  |
|  | CROSSMARK GLOBAL INVESTMENTS     |  |
|  | CONFLUENCE INVESTMENT MANAGEMENT |  |
|  | EAGLE ASSET MANAGEMENT           |  |
|  | CLEARBRIDGE DYNAMIC              |  |
|  | CAPITAL WEALTH PLANNING          |  |
|  | DEARBORN PARTNERS                |  |
|  | FRANKLIN TEMPLETON               |  |
|  | SHELTON CAPITAL                  |  |
|  | ATLANTA CAPITAL MANAGEMENT       |  |
|  | FREEDOM                          |  |
|  | RJ RESEARCH PORTFOLIOS           |  |

### 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 | Equity | 002824100 |  | 507110 | 4619 | SH |  | DFND | 2741 | 2721 | 2721 | 0 |
| ABBVIE INCORPORATED | Equity | 00287Y109 |  | 817981 | 5061 | SH |  | DFND | 574 | 4400 | 4400 | 0 |
| ABRDN AUSTRALIA EQUITY FD INCORPORATED | Closed End Funds | 003011103 |  | 49076 | 11179 | SH |  | SOLE |  | 11179 | 11179 | 0 |
| AIR PRODUCTS  CHEMICALS INCORPORATED | Equity | 009158106 |  | 1007682 | 3269 | SH |  | DFND | 357812 | 2959 | 2959 | 0 |
| ALLSPRING INCOME OPPORTUNIT INC OPPTY FD | Closed End Funds | 94987B105 |  | 76680 | 12000 | SH |  | SOLE |  | 12000 | 12000 | 0 |
| ALLSTATE CORPORATION | Equity | 020002101 |  | 343389 | 2532 | SH |  | DFND | 4 | 2236 | 2236 | 0 |
| ALPHABET INCORPORATED CAP STK CLASS A | Equity | 02079K305 |  | 340038 | 3854 | SH |  | DFND | 5481 | 2459 | 2459 | 0 |
| ALPHABET INCORPORATED CAP STK CLASS C | Equity | 02079K107 |  | 455717 | 5136 | SH |  | DFND | 104 | 5011 | 5011 | 0 |
| AMAZON COM INCORPORATED | Equity | 023135106 |  | 1104432 | 13148 | SH |  | DFND | 25481 | 11398 | 11398 | 0 |
| AMGEN INCORPORATED | Equity | 031162100 |  | 252397 | 961 | SH |  | DFND | 6 | 786 | 786 | 0 |
| AMPLIFY CWP ENHANCED DIVIDEND INCOME ETF | Equity | 032108409 |  | 15097192 | 421004 | SH |  | SOLE |  | 421004 | 421004 | 0 |
| APPLE INCORPORATED | Equity | 037833100 |  | 4604380 | 35437 | SH |  | DFND | 2657481129 | 33070 | 33070 | 0 |
| APPLIED MATLS INCORPORATED | Equity | 038222105 |  | 207260 | 2128 | SH |  | DFND | 241 | 35 | 35 | 0 |
| ARCHER DANIELS MIDLAND COMPANY | Equity | 039483102 |  | 250788 | 2701 | SH |  | DFND | 4 | 2693 | 2693 | 0 |
| AT INCORPORATED | Equity | 00206R102 |  | 250026 | 13581 | SH |  | DFND | 49 | 13241 | 13241 | 0 |
| AUTOMATIC DATA PROCESSING INCORPORATED | Equity | 053015103 |  | 247459 | 1036 | SH |  | DFND | 748 | 652 | 652 | 0 |
| BANK AMERICA CORPORATION | Equity | 060505104 |  | 271087 | 8185 | SH |  | DFND | 25489 | 7210 | 7210 | 0 |
| BERKSHIRE HATHAWAY INCORPORATED DEL CLASS B NEW | Equity | 084670702 |  | 232602 | 753 | SH |  | DFND | 58 | 734 | 734 | 0 |
| BEST BUY INCORPORATED | Equity | 086516101 |  | 519029 | 6471 | SH |  | DFND | 12 | 6402 | 6402 | 0 |
| BLACKROCK MUNIYIELD MICH QU | Closed End Funds | 09254V105 |  | 112947 | 10185 | SH |  | SOLE |  | 10185 | 10185 | 0 |
| BRISTOL-MYERS SQUIBB COMPANY | Equity | 110122108 |  | 203978 | 2835 | SH |  | DFND | 249 | 2503 | 2503 | 0 |
| BROADCOM INCORPORATED | Equity | 11135F101 |  | 753407 | 1347 | SH |  | DFND | 54812 | 1169 | 1169 | 0 |
| CATERPILLAR INCORPORATED | Equity | 149123101 |  | 204105 | 852 | SH |  | SOLE |  | 852 | 852 | 0 |
| CHARLES RIV LABS INTERNATIONAL INCORPORATED | Equity | 159864107 |  | 237511 | 1090 | SH |  | DFND | 51 | 37 | 37 | 0 |
| CHEVRON CORPORATION NEW | Equity | 166764100 |  | 656939 | 3660 | SH |  | DFND | 34 | 2517 | 2517 | 0 |
| CHUBB LIMITED | Equity | H1467J104 |  | 1635213 | 7413 | SH |  | DFND | 312 | 7192 | 7192 | 0 |
| CISCO SYSTEMS INCORPORATED | Equity | 17275R102 |  | 1227779 | 25772 | SH |  | DFND | 2548129 | 24066 | 24066 | 0 |
| CME GROUP INCORPORATED | Equity | 12572Q105 |  | 656185 | 3902 | SH |  | DFND | 54812 | 3702 | 3702 | 0 |
| COCA COLA COMPANY | Equity | 191216100 |  | 361750 | 5687 | SH |  | DFND | 25489 | 4188 | 4188 | 0 |
| COHEN  STEERS REIT  PREFERRED  IN | Closed End Funds | 19247X100 |  | 286399 | 14053 | SH |  | SOLE |  | 14053 | 14053 | 0 |
| COMCAST CORPORATION NEW CLASS A | Equity | 20030N101 |  | 757443 | 21660 | SH |  | DFND | 2548129 | 20165 | 20165 | 0 |
| COMPASS DIVERSIFIED SH BEN INT | Equity | 20451Q104 |  | 289766 | 15895 | SH |  | SOLE |  | 15895 | 15895 | 0 |
| COSTCO WHOLESALE CORPORATION NEW | Equity | 22160K105 |  | 236754 | 519 | SH |  | DFND | 741 | 195 | 195 | 0 |
| CVS HEALTH CORPORATION | Equity | 126650100 |  | 274177 | 2942 | SH |  | DFND | 24 | 2731 | 2731 | 0 |
| DARDEN RESTAURANTS INCORPORATED | Equity | 237194105 |  | 473073 | 3420 | SH |  | DFND | 12 | 3371 | 3371 | 0 |
| DEVON ENERGY CORPORATION NEW | Equity | 25179M103 |  | 2099471 | 34132 | SH |  | DFND | 612 | 32769 | 32769 | 0 |
| DUKE ENERGY CORPORATION NEW COM NEW | Equity | 26441C204 |  | 233581 | 2268 | SH |  | DFND | 6 | 1823 | 1823 | 0 |
| EATON CORPORATION PLC SHS | Equity | G29183103 |  | 1104593 | 7038 | SH |  | DFND | 54812 | 6613 | 6613 | 0 |
| EATON VANCE TAX-MANAGED GLOBAL | Closed End Funds | 27829C105 |  | 123112 | 15865 | SH |  | SOLE |  | 15865 | 15865 | 0 |
| EDGIO INCORPORATED | Equity | 53261M104 |  | 19048 | 16857 | SH |  | SOLE |  | 16857 | 16857 | 0 |
| EXXON MOBIL CORPORATION | Equity | 30231G102 |  | 265492 | 2407 | SH |  | DFND | 25748 | 1675 | 1675 | 0 |
| FIRST TR ENHANCED EQUITY INCOM | Closed End Funds | 337318109 |  | 217339 | 13791 | SH |  | SOLE |  | 13791 | 13791 | 0 |
| FIRST TRUST CAPITAL STRENGTH ETF | Equity | 33733E104 |  | 587092 | 7833 | SH |  | SOLE |  | 7833 | 7833 | 0 |
| FIRST TRUST DORSEY WRIGHT FOCUS 5 ETF | Equity | 33738R605 |  | 221625 | 4761 | SH |  | SOLE |  | 4761 | 4761 | 0 |
| FIRST TRUST LOW DURATION OPPORTUNITIES ETF | Equity | 33739Q200 |  | 317860 | 6704 | SH |  | SOLE |  | 6704 | 6704 | 0 |
| FLEXSHARES MORNINGSTAR GLOBAL UPSTREAM  NATURAL RESOURCES INDEX FUND | Equity | 33939L407 |  | 3976331 | 91473 | SH |  | SOLE |  | 91473 | 91473 | 0 |
| FLEXSHARES QUALITY DIVIDEND INDEX FUND | Equity | 33939L860 |  | 405403 | 7707 | SH |  | SOLE |  | 7707 | 7707 | 0 |
| FS CREDIT OPPORTUNITIES CORPORATION COMMON STOCK | Closed End Funds | 30290Y101 |  | 650060 | 138017 | SH |  | SOLE |  | 138017 | 138017 | 0 |
| FS KKR CAP CORPORATION | Closed End Funds | 302635206 |  | 4990141 | 285151 | SH |  | SOLE |  | 285151 | 285151 | 0 |
| GENERAL ELECTRIC COMPANY COM NEW | Equity | 369604301 |  | 331204 | 3953 | SH |  | SOLE |  | 3953 | 3953 | 0 |
| GENTEX CORPORATION | Equity | 371901109 |  | 743380 | 27260 | SH |  | SOLE |  | 27260 | 27260 | 0 |
| HARTFORD MUNICIPAL OPPORTUNITIES ETF | Equity | 41653L503 |  | 238544 | 6351 | SH |  | SOLE |  | 6351 | 6351 | 0 |
| HOME DEPOT INCORPORATED | Equity | 437076102 |  | 1483262 | 4696 | SH |  | DFND | 635748112 | 3464 | 3464 | 0 |
| HUNTINGTON BANCSHARES INCORPORATED | Equity | 446150104 |  | 3689643 | 261677 | SH |  | SOLE |  | 261677 | 261677 | 0 |
| ILLINOIS TOOL WKS INCORPORATED | Equity | 452308109 |  | 290141 | 1317 | SH |  | DFND | 371 | 319 | 319 | 0 |
| INNOVATOR U.S. EQUITY POWER BUFFER ETF - DECEMBER | Equity | 45782C540 |  | 6825710 | 228361 | SH |  | SOLE |  | 228361 | 228361 | 0 |
| INTERNATIONAL BUSINESS MACHINES | Equity | 459200101 |  | 254166 | 1804 | SH |  | SOLE |  | 1804 | 1804 | 0 |
| INVESCO NASDAQ 100 ETF | Equity | 46138G649 |  | 523225 | 4777 | SH |  | SOLE |  | 4777 | 4777 | 0 |
| INVESCO QQQ | Equity | 46090E103 |  | 231715 | 870 | SH |  | SOLE |  | 870 | 870 | 0 |
| ISHARES TR 0-3 MNTH TREASRY | Equity | 46436E718 |  | 202283 | 2020 | SH |  | DFND | 4 | 0 | 0 | 0 |
| ISHARES TR 1 3 YR TREAS BD | Equity | 464287457 |  | 463481 | 5710 | SH |  | DFND | 654 | 2405 | 2405 | 0 |
| ISHARES TR CORE MSCI EAFE | Equity | 46432F842 |  | 589648 | 9566 | SH |  | DFND | 11 | 7222 | 7222 | 0 |
| ISHARES TR CORE S SCP ETF | Equity | 464287804 |  | 224959 | 2377 | SH |  | DFND | 11 | 2036 | 2036 | 0 |
| ISHARES TR CORE US AGGBD ET | Equity | 464287226 |  | 1164365 | 12005 | SH |  | DFND | 11 | 7273 | 7273 | 0 |
| ISHARES TR MSCI USA MIN VOL | Equity | 46429B697 |  | 771686 | 10703 | SH |  | DFND | 11 | 6745 | 6745 | 0 |
| ISHARES TR PFD AND INCM SEC | Equity | 464288687 |  | 278704 | 9129 | SH |  | SOLE |  | 9129 | 9129 | 0 |
| ISHARES TR RUS 1000 GRW ETF | Equity | 464287614 |  | 1221811 | 5703 | SH |  | DFND | 11 | 5693 | 5693 | 0 |
| ISHARES TR RUS 1000 VAL ETF | Equity | 464287598 |  | 1082174 | 7136 | SH |  | DFND | 11 | 7118 | 7118 | 0 |
| ISHARES TR RUS 2000 GRW ETF | Equity | 464287648 |  | 225031 | 1049 | SH |  | SOLE |  | 1049 | 1049 | 0 |
| ISHARES TR RUS 2000 VAL ETF | Equity | 464287630 |  | 211749 | 1527 | SH |  | SOLE |  | 1527 | 1527 | 0 |
| JOHNSON  JOHNSON | Equity | 478160104 |  | 1343223 | 7604 | SH |  | DFND | 65812 | 7030 | 7030 | 0 |
| JPMORGAN CHASE  COMPANY | Equity | 46625H100 |  | 1638294 | 12217 | SH |  | DFND | 654812 | 11399 | 11399 | 0 |
| JPMORGAN EQUITY PREMIUM INCOME ETF | Equity | 46641Q332 |  | 5239540 | 96156 | SH |  | SOLE |  | 96156 | 96156 | 0 |
| JPMORGAN NASDAQ EQUITY PREMIUM INCOME ETF | Equity | 46654Q203 |  | 6569616 | 161020 | SH |  | SOLE |  | 161020 | 161020 | 0 |
| JPMORGAN ULTRA-SHORT INCOME ETF | Equity | 46641Q837 |  | 3738427 | 74575 | SH |  | SOLE |  | 74575 | 74575 | 0 |
| LILLY ELI  COMPANY | Equity | 532457108 |  | 916429 | 2505 | SH |  | DFND | 4 | 2503 | 2503 | 0 |
| MARATHON OIL CORPORATION | Equity | 565849106 |  | 449800 | 16616 | SH |  | DFND | 4 | 16586 | 16586 | 0 |
| MARATHON PETE CORPORATION | Equity | 56585A102 |  | 2038895 | 17518 | SH |  | DFND | 212 | 17225 | 17225 | 0 |
| MCDONALDS CORPORATION | Equity | 580135101 |  | 623512 | 2366 | SH |  | DFND | 63741 | 1084 | 1084 | 0 |
| MEDTRONIC PLC SHS | Equity | G5960L103 |  | 756307 | 9731 | SH |  | DFND | 23412 | 8729 | 8729 | 0 |
| MERCK  COMPANY INCORPORATED | Equity | 58933Y105 |  | 1667128 | 15026 | SH |  | DFND | 26574812 | 12692 | 12692 | 0 |
| META PLATFORMS INCORPORATED CLASS A | Equity | 30303M102 |  | 314809 | 2616 | SH |  | DFND | 54 | 2551 | 2551 | 0 |
| MICROSOFT CORPORATION | Equity | 594918104 |  | 3253273 | 13565 | SH |  | DFND | 635748112 | 11384 | 11384 | 0 |
| MONDELEZ INTERNATIONAL INCORPORATED CLASS A | Equity | 609207105 |  | 202816 | 3043 | SH |  | DFND | 25748 | 1280 | 1280 | 0 |
| MOTOROLA SOLUTIONS INCORPORATED COM NEW | Equity | 620076307 |  | 1134340 | 4402 | SH |  | DFND | 4112 | 3599 | 3599 | 0 |
| NEXTERA ENERGY INCORPORATED | Equity | 65339F101 |  | 477105 | 5707 | SH |  | DFND | 5748 | 4355 | 4355 | 0 |
| NIKE INCORPORATED CLASS B | Equity | 654106103 |  | 220798 | 1887 | SH |  | DFND | 23519 | 316 | 316 | 0 |
| NVIDIA CORPORATION | Equity | 67066G104 |  | 1560337 | 10677 | SH |  | DFND | 54 | 10589 | 10589 | 0 |
| NXP SEMICONDUCTORS N V | Equity | N6596X109 |  | 259435 | 1642 | SH |  | SOLE |  | 1642 | 1642 | 0 |
| PACER FDS TRUST METAURUS US LARGE CAP | Equity | 69374H436 |  | 6750691 | 236286 | SH |  | SOLE |  | 236286 | 236286 | 0 |
| PACER US CASH COWS 100 ETF | Equity | 69374H881 |  | 5731531 | 123925 | SH |  | SOLE |  | 123925 | 123925 | 0 |
| PACER US SMALL CAP CASH COWS 100 ETF | Equity | 69374H857 |  | 3361145 | 93495 | SH |  | SOLE |  | 93495 | 93495 | 0 |
| PEPSICO INCORPORATED | Equity | 713448108 |  | 432500 | 2394 | SH |  | DFND | 3548 | 1875 | 1875 | 0 |
| PFIZER INCORPORATED | Equity | 717081103 |  | 947945 | 18500 | SH |  | DFND | 5489 | 18190 | 18190 | 0 |
| PNC FINL SVCS GROUP INCORPORATED | Equity | 693475105 |  | 221432 | 1402 | SH |  | DFND | 48 | 1118 | 1118 | 0 |
| PROCTER AND GAMBLE COMPANY | Equity | 742718109 |  | 786596 | 5190 | SH |  | DFND | 63548 | 3927 | 3927 | 0 |
| PROSHARES ULTRA S | Equity | 74347R107 |  | 306705 | 6900 | SH |  | SOLE |  | 6900 | 6900 | 0 |
| QUALCOMM INCORPORATED | Equity | 747525103 |  | 557508 | 5071 | SH |  | DFND | 2749 | 4504 | 4504 | 0 |
| RAYMOND JAMES FINL INCORPORATED | Equity | 754730109 |  | 908439 | 8502 | SH |  | SOLE |  | 8502 | 8502 | 0 |
| RAYTHEON TECHNOLOGIES CORPORATION | Equity | 75513E101 |  | 356248 | 3530 | SH |  | DFND | 235489 | 2001 | 2001 | 0 |
| S GLOBAL INCORPORATED | Equity | 78409V104 |  | 350714 | 1047 | SH |  | DFND | 10357 | 809 | 809 | 0 |
| SPDR GOLD SHARES | Equity | 78463V107 |  | 293477 | 1730 | SH |  | SOLE |  | 1730 | 1730 | 0 |
| SPDR NUVEEN BLOOMBERG SHORT TERM MUNICIP | Equity | 78468R739 |  | 666364 | 14184 | SH |  | SOLE |  | 14184 | 14184 | 0 |
| SPDR PORTFOLIO INTERMEDIATE TERM CORPORATE BOND ETF | Equity | 78464A375 |  | 202821 | 6372 | SH |  | SOLE |  | 6372 | 6372 | 0 |
| SPDR S 500 ETF | Equity | 78462F103 |  | 202542 | 530 | SH |  | SOLE |  | 530 | 530 | 0 |
| STRYKER CORPORATION | Equity | 863667101 |  | 399038 | 1632 | SH |  | DFND | 3578 | 1294 | 1294 | 0 |
| TJX COMPANIES INCORPORATED NEW | Equity | 872540109 |  | 257984 | 3241 | SH |  | DFND | 10235819 | 1145 | 1145 | 0 |
| UNION PAC CORPORATION | Equity | 907818108 |  | 1620433 | 7826 | SH |  | DFND | 574812 | 7329 | 7329 | 0 |
| UNITED PARCEL SERVICE INCORPORATED CLASS B | Equity | 911312106 |  | 240421 | 1383 | SH |  | DFND | 5748 | 932 | 932 | 0 |
| UNITEDHEALTH GROUP INCORPORATED | Equity | 91324P102 |  | 660810 | 1246 | SH |  | DFND | 6548 | 884 | 884 | 0 |
| VANECK LONG MUNI ETF | Equity | 92189F536 |  | 185897 | 10647 | SH |  | DFND | 4 | 493 | 493 | 0 |
| VANGUARD FTSE DEVELOPED MARKETS ETF | Equity | 921943858 |  | 525045 | 12510 | SH |  | SOLE |  | 12510 | 12510 | 0 |
| VANGUARD HIGH DIVIDEND YIELD ETF | Equity | 921946406 |  | 363910 | 3363 | SH |  | DFND | 11 | 2807 | 2807 | 0 |
| VANGUARD INDEX FUNDS S 500 ETF SHS NEW | Equity | 922908363 |  | 2654319 | 7555 | SH |  | DFND | 11 | 5150 | 5150 | 0 |
| VANGUARD MORTGAGE-BACKED SECURITIES ETF | Equity | 92206C771 |  | 303482 | 6667 | SH |  | DFND | 4 | 1338 | 1338 | 0 |
| VANGUARD TAX-EXEMPT BOND ETF | Equity | 922907746 |  | 557653 | 11268 | SH |  | DFND | 11 | 10494 | 10494 | 0 |
| VANGUARD TOTAL STOCK MARKET ETF | Equity | 922908769 |  | 695471 | 3638 | SH |  | SOLE |  | 3638 | 3638 | 0 |
| VERIZON COMMUNICATIONS INCORPORATED | Equity | 92343V104 |  | 1447888 | 36748 | SH |  | DFND | 26574812 | 35079 | 35079 | 0 |
| VISA INCORPORATED COM CLASS A | Equity | 92826C839 |  | 433203 | 2085 | SH |  | DFND | 106548 | 1521 | 1521 | 0 |
| WALMART INCORPORATED | Equity | 931142103 |  | 1010770 | 7129 | SH |  | DFND | 254812 | 6821 | 6821 | 0 |
| WASTE MGMT INCORPORATED DEL | Equity | 94106L109 |  | 204614 | 1304 | SH |  | DFND | 58 | 1243 | 1243 | 0 |
| YATRA ONLINE INCORPORATED ORD SHS | Equity | G98338109 |  | 48200 | 20000 | SH |  | SOLE |  | 20000 | 20000 | 0 |
| ZOMEDICA CORPORATION | Equity | 98980M109 |  | 16300 | 100000 | SH |  | SOLE |  | 100000 | 100000 | 0 |

---