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The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABORATORIES Equities 002824100   917,209 8,109 SH   DFND   8,109 0 0
ABBOTT LABORATORIES Equities 002824100   707,390 6,254 SH   SOLE   6,205 0 49
ABBVIE INC Equities 00287Y109   1,428,708 8,040 SH   DFND   8,040 0 0
ABBVIE INC Equities 00287Y109   998,141 5,617 SH   SOLE   5,583 0 34
ACCENTURE PLC A Equities G1151C101   530,499 1,508 SH   SOLE   1,508 0 0
ADOBE INC Equities 00724F101   4,447 10 SH   DFND   10 0 0
ADOBE INC Equities 00724F101   450,906 1,014 SH   SOLE   1,011 0 3
ADVANCED MICRO DEVICES INC Equities 007903107   3,865 32 SH   DFND   32 0 0
ADVANCED MICRO DEVICES INC Equities 007903107   321,301 2,660 SH   SOLE   2,644 0 16
ALPHABET INC CAP STK CLASS C Equities 02079K107   20,948 110 SH   DFND   110 0 0
ALPHABET INC CAP STK CLASS C Equities 02079K107   2,153,305 11,307 SH   SOLE   11,260 0 47
ALPHABET INC CLASS A Equities 02079K305   21,012 111 SH   DFND   111 0 0
ALPHABET INC CLASS A Equities 02079K305   1,520,836 8,034 SH   SOLE   7,987 0 47
AMAZON.COM INC Equities 023135106   28,740 131 SH   DFND   131 0 0
AMAZON.COM INC Equities 023135106   2,371,825 10,811 SH   SOLE   10,747 0 64
AMERICAN EXPRESS COMMON Equities 025816109   704,876 2,375 SH   DFND   2,375 0 0
AMERICAN EXPRESS COMMON Equities 025816109   498,310 1,679 SH   SOLE   1,679 0 0
AMERIPRISE FINL INC COMMON Equities 03076C106   254,502 478 SH   DFND   478 0 0
AMERIPRISE FINL INC COMMON Equities 03076C106   300,291 564 SH   SOLE   557 0 7
AMGEN INC Equities 031162100   228,060 875 SH   SOLE   875 0 0
ANALOG DEVICES INC Equities 032654105   277,260 1,305 SH   SOLE   1,305 0 0
AON PLC Equities G0403H108   590,459 1,644 SH   SOLE   1,644 0 0
APOLLO GLOBAL MGMT INC Equities 03769M106   517,116 3,131 SH   SOLE   3,131 0 0
APPLE INC COMMON Equities 037833100   35,560 142 SH   DFND   142 0 0
APPLE INC COMMON Equities 037833100   3,453,542 13,791 SH   SOLE   13,705 0 86
APPLIED MATERIALS INC Equities 038222105   4,716 29 SH   DFND   29 0 0
APPLIED MATERIALS INC Equities 038222105   457,478 2,813 SH   SOLE   2,802 0 11
ARCH CAPITAL GROUP LTD Equities G0450A105   253,501 2,745 SH   SOLE   2,745 0 0
ARISTA NETWORKS INC Equities 040413205   6,190 56 SH   DFND   56 0 0
ARISTA NETWORKS INC Equities 040413205   370,054 3,348 SH   SOLE   3,316 0 32
AT&T INC Equities 00206R102   12,455 547 SH   DFND   547 0 0
AT&T INC Equities 00206R102   430,399 18,902 SH   SOLE   18,631 0 271
AUTOMATIC DATA PROCESSING INC Equities 053015103   117,092 400 SH   DFND   400 0 0
AUTOMATIC DATA PROCESSING INC Equities 053015103   657,472 2,246 SH   SOLE   2,246 0 0
BANK AMER CORP COMMON Equities 060505104   501,953 11,421 SH   SOLE   11,421 0 0
BERKSHIRE HATHAWAY INC DEL CLAS Equities 084670702   989,510 2,183 SH   SOLE   2,183 0 0
BROADCOM INC Equities 11135F101   11,592 50 SH   DFND   50 0 0
BROADCOM INC Equities 11135F101   1,394,981 6,017 SH   SOLE   5,967 0 50
CAPITAL ONE FINL CORP COMMON Equities 14040H105   482,356 2,705 SH   SOLE   2,705 0 0
CATERPILLAR INC. Equities 149123101   9,069 25 SH   DFND   25 0 0
CATERPILLAR INC. Equities 149123101   451,999 1,246 SH   SOLE   1,235 0 11
CHEVRON CORP Equities 166764100   486,083 3,356 SH   SOLE   3,349 0 7
CHUBB LIMITED COM NPV Equities H1467J104   239,552 867 SH   SOLE   867 0 0
CINTAS CORP Equities 172908105   247,741 1,356 SH   SOLE   1,356 0 0
CISCO SYSTEMS INC Equities 17275R102   169,194 2,858 SH   DFND   2,858 0 0
CISCO SYSTEMS INC Equities 17275R102   731,534 12,357 SH   SOLE   12,256 0 101
COCA-COLA CO Equities 191216100   809,380 13,000 SH   DFND   13,000 0 0
COCA-COLA CO Equities 191216100   902,708 14,499 SH   SOLE   14,499 0 0
CONOCOPHILLIPS Equities 20825C104   238,801 2,408 SH   SOLE   2,408 0 0
COSTCO WHOLESALE CORP NEW COMMO Equities 22160K105   17,409 19 SH   DFND   19 0 0
COSTCO WHOLESALE CORP NEW COMMO Equities 22160K105   612,068 668 SH   SOLE   662 0 6
CROWDSTRIKE HOLDINGS INC CL A Equities 22788C105   205,638 601 SH   SOLE   594 0 7
DANAHER CORP COMMON Equities 235851102   351,212 1,530 SH   SOLE   1,530 0 0
DELL TECHNOLOGIES INC Equities 24703L202   375,221 3,256 SH   SOLE   3,256 0 0
DISCOVER FINL SVCS Equities 254709108   287,735 1,661 SH   SOLE   1,661 0 0
EATON CORP PLC Equities G29183103   433,422 1,306 SH   SOLE   1,296 0 10
EXXON MOBIL CORP Equities 30231G102   1,243,832 11,563 SH   DFND   11,563 0 0
EXXON MOBIL CORP Equities 30231G102   1,464,673 13,616 SH   SOLE   13,568 0 48
FAIR ISAAC CORP Equities 303250104   356,376 179 SH   SOLE   179 0 0
FIRST TRUST TWC OPPORTUNISTIC F Equities 33740F805   294,345 6,850 SH   DFND   6,850 0 0
GE AEROSPACE Equities 369604301   380,448 2,281 SH   DFND   2,281 0 0
GE AEROSPACE Equities 369604301   626,630 3,757 SH   SOLE   3,757 0 0
GE VERNOVA Equities 36828A101   184,859 562 SH   DFND   562 0 0
GE VERNOVA Equities 36828A101   221,041 672 SH   SOLE   672 0 0
GOLDMAN SACHS GROUP INC COMMON Equities 38141G104   282,302 493 SH   SOLE   493 0 0
HEWLETT PACKARD ENTERPRISE COMM Equities 42824C109   257,011 12,038 SH   SOLE   12,038 0 0
HUBBELL INC NPV Equities 443510607   1,057,697 2,525 SH   DFND   2,525 0 0
INTEL CORP Equities 458140100   440,879 21,989 SH   SOLE   21,989 0 0
INTERCONTINENTALEXCHANGE GROUP Equities 45866F104   336,614 2,259 SH   SOLE   2,259 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101   11,651 53 SH   DFND   53 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101   205,761 936 SH   SOLE   918 0 18
INTUIT Equities 461202103   310,479 494 SH   SOLE   494 0 0
INTUITIVE SURGICAL INC COM NEW Equities 46120E602   378,421 725 SH   SOLE   725 0 0
INVESCO AC VAR ETF Equities 46090A879   240,426 9,573 SH   DFND   9,573 0 0
INVESCO AC VAR ETF Equities 46090A879   13,037,147 519,098 SH   SOLE   515,581 0 3,517
ISHARES AAA-A RATED CORP BOND E Equities 46429B291   743,961 15,900 SH   SOLE   15,900 0 0
ISHARES AGENCY BOND ETF Equities 464288166   2,486,859 23,035 SH   SOLE   23,035 0 0
ISHARES CORE S&P 500 ETF Equities 464287200   2,189,301 3,719 SH   SOLE   3,719 0 0
ISHARES CORE S&P SMALL CAP ETF Equities 464287804   1,152,200 10,000 SH   DFND   10,000 0 0
ISHARES CORE S&P SMALL CAP ETF Equities 464287804   26,846,836 233,005 SH   SOLE   232,363 0 642
ISHARES CORE U.S. AGGREGATE BO Equities 464287226   1,020,066 10,527 SH   DFND   10,527 0 0
ISHARES CORE U.S. AGGREGATE BO Equities 464287226   48,790,022 503,509 SH   SOLE   500,710 0 2,799
ISHARES GNMA BOND ETF Equities 46429B333   2,377,463 55,380 SH   SOLE   55,380 0 0
ISHARES MSCI EAFE Equities 464287465   21,549 285 SH   DFND   285 0 0
ISHARES MSCI EAFE Equities 464287465   976,201 12,911 SH   SOLE   12,911 0 0
ISHARES MSCI EMERG Equities 464287234   711 17 SH   DFND   17 0 0
ISHARES MSCI EMERG Equities 464287234   434,928 10,400 SH   SOLE   10,400 0 0
ISHARES RUSSELL 2000 Equities 464287655   92,361 418 SH   DFND   418 0 0
ISHARES RUSSELL 2000 Equities 464287655   1,611,019 7,291 SH   SOLE   7,291 0 0
ISHARES S&P 500 GROWTH ETF Equities 464287309   81,224 800 SH   DFND   800 0 0
ISHARES S&P 500 GROWTH ETF Equities 464287309   122,242 1,204 SH   SOLE   1,204 0 0
ISHARES S&P GLO INDS Equities 464288729   335,421 2,375 SH   SOLE   2,375 0 0
ISHARES S&P GLOB TECH SECTOR ID Equities 464287291   290,269 3,425 SH   SOLE   3,425 0 0
ISHARES TR MSCI Equities 464288257   871,968 7,421 SH   SOLE   7,421 0 0
ISHS INTL SEL DV ETF Equities 464288448   113,956 4,162 SH   DFND   4,162 0 0
ISHS INTL SEL DV ETF Equities 464288448   1,086,493 39,682 SH   SOLE   37,503 0 2,179
JOHNSON & JOHNSON Equities 478160104   873,216 6,038 SH   DFND   6,038 0 0
JOHNSON & JOHNSON Equities 478160104   655,707 4,534 SH   SOLE   4,519 0 15
JP MORGAN INTL BOND OPPORTUNITI Equities 46641Q852   1,683,874 35,630 SH   SOLE   35,630 0 0
JP MORGAN ULTRA SHORT INC ETF Equities 46641Q837   207,273 4,115 SH   DFND   4,115 0 0
JPMORGAN CHASE & CO Equities 46625H100   15,581 65 SH   DFND   65 0 0
JPMORGAN CHASE & CO Equities 46625H100   1,572,498 6,560 SH   SOLE   6,533 0 27
JPMORGAN ULTRA-SHORT MUNICIPAL Equities 46641Q654   717,344 14,146 SH   DFND   14,146 0 0
JPMORGAN ULTRA-SHORT MUNICIPAL Equities 46641Q654   8,979,879 177,083 SH   SOLE   177,083 0 0
KINDER MORGAN INC DEL COMMON Equities 49456B101   287,782 10,503 SH   SOLE   10,503 0 0
KLA CORPORATION COM NEW Equities 482480100   229,364 364 SH   SOLE   364 0 0
KROGER CO Equities 501044101   644,704 10,543 SH   SOLE   10,543 0 0
LILLY ELI & COMMON Equities 532457108   10,808 14 SH   DFND   14 0 0
LILLY ELI & COMMON Equities 532457108   1,378,792 1,786 SH   SOLE   1,778 0 8
LOWES COS INC COMMON Equities 548661107   24,680 100 SH   DFND   100 0 0
LOWES COS INC COMMON Equities 548661107   376,864 1,527 SH   SOLE   1,527 0 0
MARSH & MCLENNAN COS INC Equities 571748102   250,856 1,181 SH   SOLE   1,181 0 0
MARVELL TECHNOLOGY INC Equities 573874104   331,681 3,003 SH   SOLE   3,003 0 0
MASTERCARD CL A Equities 57636Q104   909,913 1,728 SH   SOLE   1,728 0 0
MCDONALDS CORP COMMON Equities 580135101   327,286 1,129 SH   SOLE   1,129 0 0
MERCK & CO INC NEW Equities 58933Y105   604,341 6,075 SH   DFND   6,075 0 0
MERCK & CO INC NEW Equities 58933Y105   970,427 9,755 SH   SOLE   9,731 0 24
META PLATFORMS INC. Equities 30303M102   18,151 31 SH   DFND   31 0 0
META PLATFORMS INC. Equities 30303M102   1,655,822 2,828 SH   SOLE   2,815 0 13
METLIFE INC COMMON Equities 59156R108   292,967 3,578 SH   SOLE   3,578 0 0
MICROSOFT CORP Equities 594918104   73,763 175 SH   DFND   175 0 0
MICROSOFT CORP Equities 594918104   3,042,809 7,219 SH   SOLE   7,177 0 42
MOODYS CORP Equities 615369105   441,181 932 SH   SOLE   932 0 0
MORGAN STANLEY Equities 617446448   278,596 2,216 SH   SOLE   2,216 0 0
NETFLIX INC COMMON Equities 64110L106   512,509 575 SH   SOLE   575 0 0
NEXTERA ENERGY INC Equities 65339F101   308,195 4,299 SH   SOLE   4,299 0 0
NVIDIA CORP Equities 67066G104   33,841 252 SH   DFND   252 0 0
NVIDIA CORP Equities 67066G104   2,517,132 18,744 SH   SOLE   18,622 0 122
ORACLE CORP Equities 68389X105   166,640 1,000 SH   DFND   1,000 0 0
ORACLE CORP Equities 68389X105   511,751 3,071 SH   SOLE   3,071 0 0
PAYCHEX COMMON Equities 704326107   12,480 89 SH   DFND   89 0 0
PAYCHEX COMMON Equities 704326107   295,444 2,107 SH   SOLE   2,086 0 21
PEPSICO INC Equities 713448108   300,014 1,973 SH   SOLE   1,973 0 0
PHILIP MORRIS INTL INC COMMON Equities 718172109   12,035 100 SH   DFND   100 0 0
PHILIP MORRIS INTL INC COMMON Equities 718172109   289,682 2,407 SH   SOLE   2,407 0 0
PROCTER & GAMBLE CO Equities 742718109   18,373,434 109,594 SH   SOLE   109,594 0 0
PROLOGIS INC Equities 74340W103   260,022 2,460 SH   SOLE   2,460 0 0
PRUDENTIAL FINL INC Equities 744320102   16,239 137 SH   DFND   137 0 0
PRUDENTIAL FINL INC Equities 744320102   336,151 2,836 SH   SOLE   2,779 0 57
QUALCOMM INC COMMON Equities 747525103   291,417 1,897 SH   SOLE   1,884 0 13
RAYTHEON TECHNOLOGIES CORP Equities 75513E101   551,637 4,767 SH   DFND   4,767 0 0
RAYTHEON TECHNOLOGIES CORP Equities 75513E101   248,104 2,144 SH   SOLE   2,093 0 51
S&P GLOBAL INC COM Equities 78409V104   597,636 1,200 SH   DFND   1,200 0 0
S&P GLOBAL INC COM Equities 78409V104   252,999 508 SH   SOLE   508 0 0
SALESFORCE INC Equities 79466L302   10,699 32 SH   DFND   32 0 0
SALESFORCE INC Equities 79466L302   949,163 2,839 SH   SOLE   2,819 0 20
SCHWAB STRATEGIC US DIVIDEND EQ Equities 808524797   372,262 13,626 SH   SOLE   13,626 0 0
SPDR BARCLAYS SHORT TERM HIGH Y Equities 78468R408   188,668 7,472 SH   DFND   7,472 0 0
SPDR BARCLAYS SHORT TERM HIGH Y Equities 78468R408   1,797,649 71,194 SH   SOLE   67,542 0 3,652
SPDR S&P 500 ETF TR TR UNIT Equities 78462F103   661,684 1,129 SH   DFND   1,129 0 0
SPDR S&P 500 ETF TR TR UNIT Equities 78462F103   13,146,947 22,432 SH   SOLE   22,432 0 0
SPDR S&P MIDCAP 400 ETF TR Equities 78467Y107   91,133 160 SH   DFND   160 0 0
SPDR S&P MIDCAP 400 ETF TR Equities 78467Y107   1,333,387 2,341 SH   SOLE   2,331 0 10
SPDR SER TR NUVEEN BLOOMBERG BA Equities 78468R739   743,028 15,679 SH   SOLE   15,679 0 0
STRYKER CORP Equities 863667101   239,433 665 SH   SOLE   665 0 0
SYNOPSYS INC Equities 871607107   281,509 580 SH   SOLE   580 0 0
T-MOBILE US INC COMMON Equities 872590104   226,028 1,024 SH   SOLE   1,024 0 0
TARGET CORP Equities 87612E106   589,926 4,364 SH   SOLE   4,364 0 0
TECH SELECT SEC SPDR Equities 81369Y803   58,130 250 SH   DFND   250 0 0
TECH SELECT SEC SPDR Equities 81369Y803   878,926 3,780 SH   SOLE   3,780 0 0
TESLA MTRS INC Equities 88160R101   11,308 28 SH   DFND   28 0 0
TESLA MTRS INC Equities 88160R101   1,359,325 3,366 SH   SOLE   3,355 0 11
TEXAS INSTRS INC COMMON Equities 882508104   225,950 1,205 SH   SOLE   1,205 0 0
THE HOME DEPOT INC Equities 437076102   6,224 16 SH   DFND   16 0 0
THE HOME DEPOT INC Equities 437076102   771,367 1,983 SH   SOLE   1,967 0 16
THERMO FISHER SCIENTIFIC INC CO Equities 883556102   9,884 19 SH   DFND   19 0 0
THERMO FISHER SCIENTIFIC INC CO Equities 883556102   361,560 695 SH   SOLE   690 0 5
UNION PACIFIC CORP Equities 907818108   1,102,801 4,836 SH   DFND   4,836 0 0
UNION PACIFIC CORP Equities 907818108   229,636 1,007 SH   SOLE   993 0 14
UNITEDHEALTH GROUP INC Equities 91324P102   13,152 26 SH   DFND   26 0 0
UNITEDHEALTH GROUP INC Equities 91324P102   868,562 1,717 SH   SOLE   1,706 0 11
VANGUARD FTSE EMERGING MARKETS Equities 922042858   177,745 4,036 SH   DFND   4,036 0 0
VANGUARD FTSE EMERGING MARKETS Equities 922042858   5,925,054 134,538 SH   SOLE   134,320 0 218
VANGUARD IND FD MID-CAP ETF Equities 922908629   382,724 1,449 SH   SOLE   1,449 0 0
VANGUARD INDEX FUNDS VANGUARD E Equities 922908652   684,878 3,605 SH   SOLE   3,605 0 0
VANGUARD INTM-TERM GOVT BOND FU Equities 92206C706   234,784 4,048 SH   SOLE   4,048 0 0
VANGUARD LARGE-CAP ETF Equities 922908637   3,406,041 12,629 SH   DFND   12,629 0 0
VANGUARD LARGE-CAP ETF Equities 922908637   47,042,692 174,426 SH   SOLE   174,426 0 0
VANGUARD MUN BD FD INC TAX EXEM Equities 922907746   2,844,025 56,733 SH   DFND   56,733 0 0
VANGUARD MUN BD FD INC TAX EXEM Equities 922907746   37,854,717 755,131 SH   SOLE   755,131 0 0
VANGUARD STAR FUNDS VANGUARD TO Equities 921909768   733,502 12,447 SH   DFND   12,447 0 0
VANGUARD STAR FUNDS VANGUARD TO Equities 921909768   34,541,584 586,146 SH   SOLE   586,146 0 0
VERIZON COMMUNICATIONS INC COMM Equities 92343V104   7,118 178 SH   DFND   178 0 0
VERIZON COMMUNICATIONS INC COMM Equities 92343V104   357,311 8,935 SH   SOLE   8,873 0 62
VISA COMMON CL A Equities 92826C839   15,170 48 SH   DFND   48 0 0
VISA COMMON CL A Equities 92826C839   1,249,622 3,954 SH   SOLE   3,932 0 22
WAL-MART STORES COMMON Equities 931142103   714,307 7,906 SH   SOLE   7,906 0 0
WALT DISNEY COMMON Equities 254687106   266,238 2,391 SH   SOLE   2,391 0 0
WELLS FARGO & CO Equities 949746101   513,384 7,309 SH   SOLE   7,309 0 0