# First Personal Financial Services

> Institutional holdings reported to the SEC as of Q3 2024 on Form 13F. CIK 1633869. Source: https://holderbook.com/funds/1633869-first-personal-financial-services/

- Reported value: $472.9M
- Positions: 570
- Weight of the ten largest: 27.9%
- Filed: 2024-11-01

A 13F reports long US equity positions only. Short positions, bonds, foreign listings, private holdings and cash are not visible, so this is not the manager's whole book.

## Holdings

| Security | Ticker | Value | Shares | Weight | Quarters held |
|---|---|---|---|---|---|
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $17.8M | 41,442 | 3.8% | 24 |
| ACCENTURE PLC IRELAND | [ACN](https://holderbook.com/stocks/ACN/) | $15.6M | 44,143 | 3.3% | 24 |
| ALPHABET INC | [GOOGL](https://holderbook.com/stocks/GOOGL/) | $14.7M | 88,909 | 3.1% | 24 |
| WASTE MGMT INC DEL | [WM](https://holderbook.com/stocks/WM/) | $13.7M | 66,080 | 2.9% | 24 |
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $12.5M | 21,664 | 2.6% | 24 |
| THERMO FISHER SCIENTIFIC INC | [TMO](https://holderbook.com/stocks/TMO/) | $11.7M | 18,886 | 2.5% | 24 |
| PROCTER & GAMBLE CO | [PG](https://holderbook.com/stocks/PG/) | $11.6M | 66,863 | 2.4% | 24 |
| PUBLIC STORAGE | [PSA](https://holderbook.com/stocks/PSA/) | $11.5M | 31,691 | 2.4% | 24 |
| BADGER METER INC | [BMI](https://holderbook.com/stocks/BMI/) | $11.5M | 52,791 | 2.4% | 24 |
| AMERICAN WTR WKS CO INC NEW | [AWK](https://holderbook.com/stocks/AWK/) | $11.3M | 77,514 | 2.4% | 24 |
| DEERE & CO | [DE](https://holderbook.com/stocks/DE/) | $11.1M | 26,607 | 2.3% | 24 |
| ISHARES TR | [IJH](https://holderbook.com/stocks/IJH/) | $10.7M | 171,987 | 2.3% | 24 |
| ANSYS INC | [ANSS](https://holderbook.com/stocks/ANSS/) | $10.4M | 32,778 | 2.2% | 24 |
| PROSHARES TR | [NOBL](https://holderbook.com/stocks/NOBL/) | $10.4M | 97,615 | 2.2% | 24 |
| MCCORMICK & CO INC | [MKC](https://holderbook.com/stocks/MKC/) | $10.3M | 124,690 | 2.2% | 24 |
| ORACLE CORP | [ORCL](https://holderbook.com/stocks/ORCL/) | $10.2M | 60,044 | 2.2% | 24 |
| TAIWAN SEMICONDUCTOR MANUFAC | [TSM](https://holderbook.com/stocks/TSM/) | $10.0M | 57,712 | 2.1% | 24 |
| NUCOR CORP | [NUE](https://holderbook.com/stocks/NUE/) | $9.7M | 64,816 | 2.1% | 24 |
| ISHARES INC | [EWL](https://holderbook.com/stocks/EWL/) | $9.7M | 186,322 | 2.1% | 24 |
| COLGATE PALMOLIVE CO | [CL](https://holderbook.com/stocks/CL/) | $9.4M | 90,714 | 2.0% | 24 |
| UNILEVER PLC | [ULXXXX](https://holderbook.com/stocks/ULXXXX/) | $9.3M | 143,496 | 2.0% | 24 |
| EQUINIX INC | [EQIX](https://holderbook.com/stocks/EQIX/) | $8.5M | 9,546 | 1.8% | 24 |
| WALMART INC | [WMT](https://holderbook.com/stocks/WMT/) | $8.5M | 104,847 | 1.8% | 24 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $8.2M | 35,226 | 1.7% | 24 |
| COSTCO WHOLESALE CORPORATION | [COST](https://holderbook.com/stocks/COST/) | $7.8M | 8,775 | 1.6% | 24 |
| STARBUCKS CORP | [SBUX](https://holderbook.com/stocks/SBUX/) | $7.7M | 79,211 | 1.6% | 24 |
| JPMORGAN CHASE & CO | [JPM](https://holderbook.com/stocks/JPM/) | $7.6M | 36,060 | 1.6% | 24 |
| ISHARES TR | [IJK](https://holderbook.com/stocks/IJK/) | $7.5M | 81,193 | 1.6% | 24 |
| VANGUARD WORLD FD | [VDC](https://holderbook.com/stocks/VDC/) | $7.1M | 32,686 | 1.5% | 24 |
| SPDR INDEX SHS FDS | [CWI](https://holderbook.com/stocks/CWI/) | $6.2M | 205,256 | 1.3% | 24 |
| KIMBERLY-CLARK CORP | [KMB](https://holderbook.com/stocks/KMB/) | $6.2M | 43,580 | 1.3% | 24 |
| PEPSICO INC | [PEP](https://holderbook.com/stocks/PEP/) | $6.0M | 35,221 | 1.3% | 24 |
| DIAGEO PLC | [DEO](https://holderbook.com/stocks/DEO/) | $5.7M | 40,273 | 1.2% | 24 |
| INFOSYS LTD | [INFY](https://holderbook.com/stocks/INFY/) | $5.6M | 252,580 | 1.2% | 24 |
| ELECTRONIC ARTS INC | [EA](https://holderbook.com/stocks/EA/) | $5.5M | 38,353 | 1.2% | 15 |
| CLOROX CO DEL | [CLX](https://holderbook.com/stocks/CLX/) | $5.2M | 32,056 | 1.1% | 24 |
| AMGEN INC | [AMGN](https://holderbook.com/stocks/AMGN/) | $5.2M | 16,092 | 1.1% | 24 |
| EXXON MOBIL CORP | [XOMXXXX](https://holderbook.com/stocks/XOMXXXX/) | $5.1M | 43,280 | 1.1% | 24 |
| SOUTHERN CO | [SO](https://holderbook.com/stocks/SO/) | $4.9M | 54,123 | 1.0% | 9 |
| VERIZON COMMUNICATIONS INC | [VZ](https://holderbook.com/stocks/VZ/) | $4.1M | 91,092 | 0.9% | 24 |
| MCDONALDS CORP | [MCD](https://holderbook.com/stocks/MCD/) | $4.0M | 13,175 | 0.8% | 24 |
| TARGET CORP | [TGT](https://holderbook.com/stocks/TGT/) | $3.7M | 23,930 | 0.8% | 24 |
| CISCO SYS INC | [CSCO](https://holderbook.com/stocks/CSCO/) | $3.6M | 67,929 | 0.8% | 24 |
| SCHWAB STRATEGIC TR | [SCHG](https://holderbook.com/stocks/SCHG/) | $3.6M | 34,601 | 0.8% | 24 |
| ISHARES TR | [TIP](https://holderbook.com/stocks/TIP/) | $3.5M | 31,311 | 0.7% | 24 |
| INTUIT | [INTU](https://holderbook.com/stocks/INTU/) | $3.3M | 5,361 | 0.7% | 24 |
| ISHARES TR | [IGIB](https://holderbook.com/stocks/IGIB/) | $3.0M | 55,187 | 0.6% | 24 |
| BERKSHIRE HATHAWAY INC DEL | [BRKB](https://holderbook.com/stocks/BRKB/) | $3.0M | 6,410 | 0.6% | 24 |
| INTEL CORP | [INTC](https://holderbook.com/stocks/INTC/) | $2.8M | 119,766 | 0.6% | 24 |
| BERKSHIRE HATHAWAY INC DEL | [BRKA](https://holderbook.com/stocks/BRKA/) | $2.8M | 4 | 0.6% | 2 |
| SONY GROUP CORP | [SONY](https://holderbook.com/stocks/SONY/) | $2.7M | 28,468 | 0.6% | 11 |
| VANGUARD BD INDEX FDS | [BND](https://holderbook.com/stocks/BND/) | $2.6M | 34,803 | 0.6% | 24 |
| VANGUARD INDEX FDS | [VNQ](https://holderbook.com/stocks/VNQ/) | $2.5M | 26,162 | 0.5% | 24 |
| NEWMONT CORP | [NEM](https://holderbook.com/stocks/NEM/) | $2.5M | 47,441 | 0.5% | 14 |
| BLACK HILLS CORP | [BKH](https://holderbook.com/stocks/BKH/) | $2.5M | 40,130 | 0.5% | 4 |
| COGNIZANT TECHNOLOGY SOLUTIO | [CTSH](https://holderbook.com/stocks/CTSH/) | $2.4M | 31,010 | 0.5% | 24 |
| FACTSET RESH SYS INC | [FDS](https://holderbook.com/stocks/FDS/) | $2.3M | 4,993 | 0.5% | 24 |
| 3M CO | [MMM](https://holderbook.com/stocks/MMM/) | $2.3M | 16,475 | 0.5% | 24 |
| DUKE ENERGY CORP NEW | [DUK](https://holderbook.com/stocks/DUK/) | $2.2M | 18,989 | 0.5% | 24 |
| VISA INC | [V](https://holderbook.com/stocks/V/) | $2.0M | 7,332 | 0.4% | 24 |
| ISHARES TR | [SGOV](https://holderbook.com/stocks/SGOV/) | $1.9M | 19,275 | 0.4% | 2 |
| COCA COLA CO | [KO](https://holderbook.com/stocks/KO/) | $1.7M | 24,200 | 0.4% | 24 |
| ESSENTIAL UTILS INC | [WTRG](https://holderbook.com/stocks/WTRG/) | $1.7M | 44,865 | 0.4% | 19 |
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $1.5M | 2,653 | 0.3% | 24 |
| ISHARES TR | [IVW](https://holderbook.com/stocks/IVW/) | $1.5M | 15,790 | 0.3% | 24 |
| BLACKBAUD INC | [BLKB](https://holderbook.com/stocks/BLKB/) | $1.4M | 16,640 | 0.3% | 2 |
| ALPHABET INC | [GOOG](https://holderbook.com/stocks/GOOG/) | $1.4M | 8,391 | 0.3% | 24 |
| NEXTERA ENERGY INC | [NEE](https://holderbook.com/stocks/NEE/) | $1.2M | 14,016 | 0.3% | 24 |
| JOHNSON & JOHNSON | [JNJ](https://holderbook.com/stocks/JNJ/) | $1.1M | 6,832 | 0.2% | 24 |
| VANGUARD WORLD FD | [VPU](https://holderbook.com/stocks/VPU/) | $1.1M | 6,230 | 0.2% | 24 |
| C H ROBINSON WORLDWIDE IN | [CHRW](https://holderbook.com/stocks/CHRW/) | $1.1M | 9,525 | 0.2% | 24 |
| KRAFT HEINZ CO | [KHC](https://holderbook.com/stocks/KHC/) | $946.2K | 26,950 | 0.2% | 24 |
| HAEMONETICS CORP MASS | [HAE](https://holderbook.com/stocks/HAE/) | $893.0K | 11,110 | 0.2% | 17 |
| AMBEV SA | [ABEV](https://holderbook.com/stocks/ABEV/) | $856.3K | 350,936 | 0.2% | 24 |
| SK TELECOM CO LTD | [SKM](https://holderbook.com/stocks/SKM/) | $812.4K | 34,178 | 0.2% | 12 |
| NUVEEN AMT FREE QLTY MUN INC | [NEA](https://holderbook.com/stocks/NEA/) | $808.8K | 67,570 | 0.2% | 6 |
| INTERNATIONAL BUSINESS MACHS | [IBM](https://holderbook.com/stocks/IBM/) | $780.6K | 3,531 | 0.2% | 24 |
| ALIBABA GROUP HLDG LTD | [BABA](https://holderbook.com/stocks/BABA/) | $746.1K | 7,031 | 0.2% | 2 |
| ISHARES TR | [IGSB](https://holderbook.com/stocks/IGSB/) | $709.9K | 13,480 | 0.2% | 24 |
| AMAZON COM INC | [AMZN](https://holderbook.com/stocks/AMZN/) | $698.6K | 3,749 | 0.1% | 24 |
| WATERS CORP | [WAT](https://holderbook.com/stocks/WAT/) | $681.3K | 1,893 | 0.1% | 24 |
| TRANE TECHNOLOGIES PLC | [TT](https://holderbook.com/stocks/TT/) | $633.0K | 1,628 | 0.1% | 9 |
| MCKESSON CORP | [MCK](https://holderbook.com/stocks/MCK/) | $629.9K | 1,274 | 0.1% | 24 |
| LABCORP HOLDINGS INC | [LH](https://holderbook.com/stocks/LH/) | $603.4K | 2,700 | 0.1% | 2 |
| CANADIAN NATL RY CO | [CNI](https://holderbook.com/stocks/CNI/) | $580.7K | 4,957 | 0.1% | 24 |
| LOWES COS INC | [LOW](https://holderbook.com/stocks/LOW/) | $543.3K | 2,006 | 0.1% | 24 |
| ISHARES TR | [AOK](https://holderbook.com/stocks/AOK/) | $519.9K | 13,448 | 0.1% | 22 |
| VANGUARD SPECIALIZED FUNDS | [VIG](https://holderbook.com/stocks/VIG/) | $508.6K | 2,568 | 0.1% | 24 |
| POTLATCHDELTIC CORPORATION | [PCH](https://holderbook.com/stocks/PCH/) | $478.5K | 10,621 | 0.1% | 12 |
| MARRIOTT INTL INC NEW | [MAR](https://holderbook.com/stocks/MAR/) | $447.5K | 1,800 | 0.1% | 24 |
| CHEVRON CORPORATION | [CVX](https://holderbook.com/stocks/CVX/) | $428.0K | 2,906 | 0.1% | 24 |
| NOVARTIS AG | [NVS](https://holderbook.com/stocks/NVS/) | $427.9K | 3,720 | 0.1% | 24 |
| AMERICAN EXPRESS CO | [AXP](https://holderbook.com/stocks/AXP/) | $406.8K | 1,500 | 0.1% | 24 |
| MERCK & CO INC | [MRK](https://holderbook.com/stocks/MRK/) | $401.2K | 3,533 | 0.1% | 24 |
| ISHARES TR | [SUSA](https://holderbook.com/stocks/SUSA/) | $399.1K | 3,316 | 0.1% | 24 |
| ABBOTT LABORATORIES | [ABT](https://holderbook.com/stocks/ABT/) | $392.0K | 3,438 | 0.1% | 24 |
| VANGUARD INDEX FDS | [VV](https://holderbook.com/stocks/VV/) | $377.8K | 1,435 | 0.1% | 24 |
| ISHARES TR | [IYW](https://holderbook.com/stocks/IYW/) | $372.7K | 2,458 | 0.1% | 22 |
| HONEYWELL INTL INC | [HONZZZZ](https://holderbook.com/stocks/HONZZZZ/) | $357.0K | 1,727 | 0.1% | 12 |
| DISNEY WALT CO | [DIS](https://holderbook.com/stocks/DIS/) | $353.1K | 3,671 | 0.1% | 24 |

## What the disclosed book did

Not the fund's return. This is the change in value of the positions disclosed on Form 13F, had they been left untouched, against SPY over the same quarter ends.

| Quarter | Book | Market | Difference | Priced |
|---|---|---|---|---|
| Q3 2024 | +8.0% | +5.4% | +2.6% | 100% |
| Q2 2024 | +0.4% | +4.0% | -3.7% | 100% |
| Q1 2024 | +5.8% | +10.0% | -4.3% | 100% |
| Q4 2023 | +8.8% | +11.2% | -2.4% | 100% |
| Q3 2023 | -5.2% | -3.6% | -1.6% | 100% |
| Q2 2023 | +3.8% | +8.3% | -4.5% | 100% |
| Q1 2023 | +5.3% | +7.0% | -1.7% | 100% |
| Q4 2022 | +9.6% | +7.1% | +2.5% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q3 2024 | $472.9M | 570 |
| Q2 2024 | $442.2M | 359 |
| Q1 2024 | $431.1M | 362 |
| Q4 2023 | $411.0M | 385 |
| Q3 2023 | $384.4M | 389 |
| Q2 2023 | $402.6M | 379 |
| Q1 2023 | $385.6M | 403 |
| Q4 2022 | $369.1M | 392 |
| Q3 2022 | $344.0M | 426 |
| Q2 2022 | $357.1M | 325 |
| Q1 2022 | $428.8M | 329 |
| Q4 2021 | $446.7M | 337 |