ESL Trust Services, LLC

In its 13F for Q3 2025 (holdings as of September 30, 2025, filed November 4, 2025), ESL Trust Services, LLC reported 307 stock positions worth $509.6 million. Its top holding was iShares Core S&P 500 ETF (IVV) at 15.4% of the portfolio, followed by SS SPDR P S&P 500 Growth ETF (SPYG, 12.8%) and Avantis International Equity (AVDE, 11.2%). Compared with Q2 2025, it opened 91 new positions, sold out of 2, added to 71 and reduced 21. The biggest buy was a new position in Avantis US Large Cap Value (AVLV) and the biggest sale Schwab US DVD Equity ETF (SCHD, shares −9%).

Most Recent 13F
Q2 2026
Location
ROCHESTER, NY
CIK
0001785545
Portfolio Value
$509.6M (Q3 2025)
SEC Filing
0001785545-25-000009 ↗ filed Nov 4, 2025

Holdings Value

0$200.0M$400.0M$600.0M Q1 2024: $382.0M Q1 2024 Q2 2024: $410.6M Q2 2024 Q3 2024: $441.6M Q3 2024 Q4 2024: $448.7M Q4 2024 Q1 2025: $443.1M Q1 2025 Q2 2025: $489.4M Q2 2025 Q3 2025: $509.6M $509.6M Q3 2025 Q4 2025: $521.0M Q4 2025 Q1 2026: $523.6M Q1 2026 Q2 2026: $586.5M Q2 2026

Holdings 307 stocks · $509.6M
IVV iShares Core S&P 500 ETF 15.39% 117,191 $78.4M Reduce -1.3%
SPYG SS SPDR P S&P 500 Growth ETF 12.79% 623,597 $65.2M Reduce -2.6%
AVDE Avantis International Equity 11.21% 724,307 $57.1M Reduce -1.4%
VIGI Vanguard Int Div App Indx FD 9.12% 518,968 $46.5M Reduce -1.6%
SCHD Schwab US DVD Equity ETF 8.83% 1,648,581 $45.0M Reduce -8.8%
IJH iShares Core S&P Midcap ETF 8.06% 629,255 $41.1M Reduce -4.0%
XSOE Wisdmtree Emerg MKT Ex-St Ow 7.13% 957,475 $36.3M Reduce -2.4%
GQRE NT GLBL Qual Re ETF 7.09% 592,991 $36.1M Reduce -1.9%
FALN iShares Fallen Angels ETF 6.10% 1,118,161 $31.1M Reduce -0.7%
IJR iShares Core S&P Small-Cap E 4.98% 213,478 $25.4M Reduce -2.7%
BIV Vanguard Intermediate-Term B 1.08% 70,179 $5.5M Add +15.6%
AVLV Avantis US Large Cap Value 0.79% 55,798 $4.0M New
JMTG Mortgage-Backed Securities filed as J P MORGAN EXCHANGE TRADED F 0.43% 43,293 $2.2M Reduce -0.1%
QLTA iShares Aaa - A Rated Corpor 0.32% 34,008 $1.6M Reduce -3.1%
SPY SS SPDR S&P 500 ETF Trust-US 0.28% 2,129 $1.4M Reduce -4.7%
VWO Vanguard Ftse Emerging Marke 0.26% 24,335 $1.3M Add +2.5%
SONY Sony Group Corp. - SP ADR 0.24% 43,000 $1.2M No change
VTI VG Morningstar TS MKT ETF-US 0.22% 3,375 $1.1M Add +14.0%
NKE Nike Inc. Class B 0.21% 15,500 $1.1M No change
MSFT Microsoft Corp. 0.20% 1,937 $1.0M Add +7.3%
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.17% 3,097 $874K Add +3.7%
EFA iShares MSCI Eafe ETF 0.17% 9,352 $873K No change
JPM JPMorgan Chase & Co. 0.16% 2,591 $817K Add +0.7%
IWF iShares Russell 1000 Growth 0.13% 1,396 $654K Add +3.2%
JNJ Johnson & Johnson 0.12% 3,171 $588K Add +0.7%
KO The Coca-Cola Co. 0.11% 8,129 $539K Add +1.0%
GE General Electric filed as GE AEROSPACE 0.10% 1,764 $531K Add +5.0%
INTC Intel Corp. 0.10% 14,800 $497K Reduce -6.3%
HD Home Depot Inc. 0.10% 1,200 $486K No change
AFL Aflac Inc. 0.09% 4,000 $447K No change
SYK Stryker Corp. 0.09% 1,200 $444K No change
MAS Masco Corp. 0.08% 6,000 $422K No change
STLD Steel Dynamics Inc. 0.08% 3,000 $418K No change
SO The Southern Co. 0.08% 4,243 $402K Add +6.1%
WHR Whirlpool Corp. 0.08% 4,905 $386K Add +0.1%
VEU Vanguard Ftse All-World Ex-U 0.07% 5,349 $382K Add +21.7%
LHX L3HARRIS Technologies Inc. 0.07% 1,241 $379K No change
AAPL Apple Inc. 0.07% 1,481 $377K Add +1.4%
BLD Topbuild Corp. 0.07% 932 $364K No change
EMR Emerson Electric Co. 0.07% 2,686 $352K Add +3.3%
IEFA iShares Core MSCI Eafe ETF 0.07% 4,003 $350K Add +4.6%
VLO Valero Energy Corp. 0.07% 2,000 $341K No change
XOM Exxon Mobil Corp. 0.07% 2,997 $338K Add +4.6%
ATI Ati Inc. 0.06% 4,000 $325K No change
COR Cencora Inc. 0.06% 1,005 $314K Add +0.5%
KEY Keycorp 0.06% 16,033 $300K Add +0.2%
SHEL Shell PLC-ADR 0.06% 4,045 $289K Add +1.5%
ITT Itt Inc. 0.06% 1,600 $286K No change
LIN Linde PLC 0.06% 600 $285K No change
RTX RTX Corp. 0.06% 1,683 $282K Add +28.8%
WFC Wells Fargo & Co. 0.06% 3,352 $281K Add +6.0%
GEV GE Vernova Inc. 0.05% 441 $271K Add +5.0%
VOO Vanguard S&P 500 ETF 0.05% 439 $269K Reduce -9.7%
CVX Chevron Corp. 0.05% 1,715 $266K Add +7.2%
IBB iShares Biotechnology ETF 0.05% 1,800 $260K No change
BX Blackstone Inc. 0.05% 1,500 $256K No change
ED Consolidated Edison Inc. 0.05% 2,464 $248K No change
QQQ Invesco QQQ Trust Series 1 0.05% 400 $240K No change
PFE Pfizer Inc. 0.05% 9,350 $238K No change
PAYX Paychex Inc. 0.04% 1,774 $225K Add +7.5%
MSI Motorola Solutions Inc. 0.04% 484 $221K No change
LPX Louisiana-Pacific Corp. 0.04% 2,416 $215K No change
SBUX Starbucks Corp. 0.04% 2,503 $212K Add +0.1%
AME Ametek Inc. 0.04% 1,125 $212K No change
IWM iShares Russell 2000 ETF 0.04% 805 $195K No change
PEG Public Service Enterprise GP 0.04% 2,332 $195K No change
CL Colgate-Palmolive Co. 0.04% 2,408 $192K Add +0.3%
NSC Norfolk Southern Corp. 0.04% 638 $192K Add +7.4%
ABT Abbott Laboratories 0.04% 1,420 $190K No change
WY Weyerhaeuser Co. 0.04% 7,584 $188K No change
SHY iShares 1-3 Year Treasury Bo 0.04% 2,194 $182K Add +6.5%
BSV Vanguard Short-Term Bond ETF 0.03% 2,235 $176K No change
ORCL Oracle Corp. 0.03% 610 $172K Add +1.7%
PG The Procter & Gamble Co. 0.03% 1,100 $169K Add +1.9%
TMP Tompkins Financial Corp. 0.03% 2,461 $163K No change
HSY The Hershey Co. 0.03% 823 $154K No change
AEP American Electric Power 0.03% 1,353 $152K No change
MO Altria Group Inc. 0.03% 2,298 $152K Add +14.9%
CVS CVS Health Corp. 0.03% 2,000 $151K No change
MCD McDonald's Corp. 0.03% 490 $149K Add +7.2%
PM Philip Morris International 0.03% 900 $146K No change
VYM Vanguard High DVD Yield ETF 0.03% 1,000 $141K No change
T AT&T Inc. 0.03% 4,961 $140K Add +32.4%
TGNA Tegna Inc. 0.03% 6,753 $137K No change
WEN The Wendy's Co. 0.03% 14,866 $136K No change
MAR Marriott International Class A 0.03% 500 $130K No change
MMM 3M Co. 0.02% 800 $124K No change
NOC Northrop Grumman Corp. 0.02% 200 $122K Add +19.1%
STZ Constellation Brands Inc. Class A 0.02% 900 $121K No change
MBC Masterbrand Inc. 0.02% 9,016 $119K No change
MRK Merck & Co. Inc. 0.02% 1,319 $111K Add +9.9%
IWD iShares Russell 1000 Value E 0.02% 536 $109K Add +11.9%
MNA Nylim Merger Arbtrage ETF-Ui filed as NEW YORK LIFE INVESTMENTS ET 0.02% 2,983 $107K Reduce -42.5%
HUM Humana Inc. 0.02% 405 $105K Add +1.3%
COF Capital One Financial Corp. 0.02% 492 $105K Add +1.4%
TXN Texas Instruments Inc. 0.02% 562 $103K Add +12.4%
GSK GSK PLC-Spon ADR 0.02% 2,323 $100K Reduce -7.1%
O Realty Income Corp. 0.02% 1,600 $97K No change
DD Dupont DE Nemours Inc. 0.02% 1,244 $97K Add +1.4%
SWK Stanley Black & Decker Inc. 0.02% 1,300 $97K No change

Show all 307 holdings

Other holdings (1): bonds, preferreds, convertibles and warrants · $1K (not counted above)
SecurityClassShares / PrincipalValueChange
OXY.WS Occidental Petroleum-CW27 *W EXP 08/03/202 50$1KNo change

Total filed on the 13F, all lines: $509.6M.

Portfolio Sells Q2 2025 → Q3 2025
SCHD Schwab US DVD Equity ETF Reduce -8.8% 8.83% −0.96
VIGI Vanguard Int Div App Indx FD Reduce -1.6% 9.12% −0.59
GQRE NT GLBL Qual Re ETF Reduce -1.9% 7.09% −0.27
IJH iShares Core S&P Midcap ETF Reduce -4.0% 8.06% −0.25
FALN iShares Fallen Angels ETF Reduce -0.7% 6.10% −0.15
QLTA iShares Aaa - A Rated Corpor Reduce -3.1% 0.32% −0.02
WBA Walgreens Boots Alliance Inc. Sold out 0.00% −0.02
MNA Nylim Merger Arbtrage ETF-Ui Reduce -42.5% 0.02% −0.02
JMTG Mortgage-Backed Securities Reduce -0.1% 0.43% −0.01
USMV iShares MSCI USA Min Vol Fac Reduce -41.3% 0.01% −0.01
JNK SS SPDR BB High Yield Bond Sold out 0.00% −0.01
SPY SS SPDR S&P 500 ETF Trust-US Reduce -4.7% 0.28% −0.00
VOO Vanguard S&P 500 ETF Reduce -9.7% 0.05% −0.00
DRI Darden Restaurants Inc. Reduce -33.1% 0.00% −0.00
VNQ Vanguard Real Estate ETF Reduce -14.8% 0.01% −0.00
VZ Verizon Communications Inc. Reduce -1.1% 0.01% −0.00
GSK GSK PLC-Spon ADR Reduce -7.1% 0.02% +0.00
INTC Intel Corp. Reduce -6.3% 0.10% +0.03
IJR iShares Core S&P Small-Cap E Reduce -2.7% 4.98% +0.08
AVDE Avantis International Equity Reduce -1.4% 11.21% +0.11
XSOE Wisdmtree Emerg MKT Ex-St Ow Reduce -2.4% 7.13% +0.22
SPYG SS SPDR P S&P 500 Growth ETF Reduce -2.6% 12.79% +0.31
IVV iShares Core S&P 500 ETF Reduce -1.3% 15.39% +0.33

Portfolio Buys Q2 2025 → Q3 2025
AVLV Avantis US Large Cap Value New 0.79% +0.79
BIV Vanguard Intermediate-Term B Add +15.6% 1.08% +0.12
VTI VG Morningstar TS MKT ETF-US Add +14.0% 0.22% +0.03
VWO Vanguard Ftse Emerging Marke Add +2.5% 0.26% +0.02
JNJ Johnson & Johnson Add +0.7% 0.12% +0.02
RTX RTX Corp. Add +28.8% 0.06% +0.02
GE General Electric Add +5.0% 0.10% +0.02
VEU Vanguard Ftse All-World Ex-U Add +21.7% 0.07% +0.01
MSFT Microsoft Corp. Add +7.3% 0.20% +0.01
AAPL Apple Inc. Add +1.4% 0.07% +0.01
IWF iShares Russell 1000 Growth Add +3.2% 0.13% +0.01
JEPI JPMorgan Equity Premium Inco New 0.01% +0.01
JPM JPMorgan Chase & Co. Add +0.7% 0.16% +0.01
GEV GE Vernova Inc. Add +5.0% 0.05% +0.01
GM General Motors Co. New 0.01% +0.01
ORCL Oracle Corp. Add +1.7% 0.03% +0.01
JPIE JPMorgan Income ETF New 0.01% +0.01
NOC Northrop Grumman Corp. Add +19.1% 0.02% +0.01
NSC Norfolk Southern Corp. Add +7.4% 0.04% +0.01
EXE Expand Energy Corp. New 0.01% +0.01
BRK.B Berkshire Hathaway Inc. Class B New 0.01% +0.01
MO Altria Group Inc. Add +14.9% 0.03% +0.01
IPG Interpublic Group of Cos Inc. New 0.01% +0.01
CVX Chevron Corp. Add +7.2% 0.05% +0.01
T AT&T Inc. Add +32.4% 0.03% +0.01
KKR KKR & Co. Inc. New 0.01% +0.01
PPL PPL Corp. New 0.00% +0.00
SO The Southern Co. Add +6.1% 0.08% +0.00
SYY Sysco Corp. Add +36.3% 0.01% +0.00
WMT Walmart Inc. New 0.00% +0.00
WFC Wells Fargo & Co. Add +6.0% 0.06% +0.00
GD General Dynamics Corp. New 0.00% +0.00
IEFA iShares Core MSCI Eafe ETF Add +4.6% 0.07% +0.00
XOM Exxon Mobil Corp. Add +4.6% 0.07% +0.00
PFFD Global X US Preferred ETF New 0.00% +0.00
ADP Automatic Data Processing New 0.00% +0.00
OKE Oneok Inc. New 0.00% +0.00
ETO Eaton Vance T/A GLBL DVD Opp New 0.00% +0.00
NGG National Grid PLC-SP ADR Add +71.4% 0.01% +0.00
IWD iShares Russell 1000 Value E Add +11.9% 0.02% +0.00
CSX CSX Corp. New 0.00% +0.00
MRK Merck & Co. Inc. Add +9.9% 0.02% +0.00
TJX TJX Companies Inc. Add +2.5% 0.02% +0.00
TRP TC Energy Corp. Add +66.7% 0.01% +0.00
ABBV Abbvie Inc. Add +1.9% 0.01% +0.00
AVGO Broadcom Inc. Add +4.0% 0.01% +0.00
PFF iShares Preferred & Income S New 0.00% +0.00
ETW Eaton Vance T/M GLBL Buy-WR New 0.00% +0.00
F Ford Motor Co. Add +80.1% 0.00% +0.00
KEY Keycorp Add +0.2% 0.06% +0.00

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 264$586.5MIVV, AVLV, AVDE, IDEV, XSOE
Q1 2026 256$523.6MIVV, AVLV, AVDE, IDEV, XSOE
Q4 2025 255$521.0MIVV, AVLV, AVDE, VIGI, XSOE
Q3 2025 307$509.6MIVV, SPYG, AVDE, VIGI, SCHD
Q2 2025 218$489.4MIVV, SPYG, AVDE, SCHD, VIGI
Q1 2025 311$443.1MIVV, SPYG, SCHD, AVDE, VIGI
Q4 2024 331$448.7MIVV, SPYG, SCHD, VIGI, AVDE
Q3 2024 233$441.6MIVV, SPYG, SCHD, VIGI, AVDE
Q2 2024 258$410.6MIVV, SPYG, SCHD, VIGI, AVDE
Q1 2024 133$382.0MIVV, SCHD, SPYG, AVDE, VIGI