The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
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 LABS COM 002824100   421,315 4,055 SH   DFND 1,3,4,5 0 2,033 2,022
ABBVIE INC COM 00287Y109   505,469 2,947 SH   DFND 1,2,3,4,5 0 1,928 1,019
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   224,827 741 SH   DFND 1,3,4,5 0 610 131
ADOBE INC COM 00724F101   603,872 1,087 SH   DFND 1,3,4 0 591 496
ADVANCED MICRO DEVICES INC COM 007903107   272,513 1,680 SH   DFND 1 0 1,676 4
ALPHABET INC CAP STK CL A 02079K305   2,873,603 15,776 SH   DFND 1,3,4 0 9,666 6,110
ALPHABET INC CAP STK CL C 02079K107   1,600,706 8,727 SH   DFND 1,3,4 0 5,201 3,526
AMAZON COM INC COM 023135106   4,029,649 20,852 SH   DFND 1,3,4 0 9,271 11,581
AMCOR PLC ORD G0250X107   104,568 10,692 SH   DFND 2,4 0 10,147 545
AMERICAN ELEC PWR CO INC COM 025537101   229,967 2,621 SH   DFND 1,2,4 0 2,533 88
AMGEN INC COM 031162100   365,879 1,171 SH   DFND 1,2,3,4 0 892 279
APA CORPORATION COM 03743Q108   391,464 13,297 SH   DFND 1 0 194 13,103
APPLE INC COM 037833100   6,111,578 29,017 SH   DFND 1,3,4 0 16,579 12,438
APPLIED MATLS INC COM 038222105   439,649 1,863 SH   DFND 1,3,4 0 1,072 791
ASML HOLDING N V N Y REGISTRY SHS N07059210   1,148,526 1,123 SH   DFND 1,4 0 416 707
ASTRAZENECA PLC SPONSORED ADR 046353108   266,648 3,419 SH   DFND 1,4,5 0 2,047 1,372
AT&T INC COM 00206R102   350,076 18,319 SH   DFND 1,2,3,4 0 16,242 2,077
ATEA PHARMACEUTICALS INC COM 04683R106   39,531 11,943 SH   SOLE   0 0 11,943
AUTOMATIC DATA PROCESSING IN COM 053015103   543,564 2,264 SH   DFND 1,3 0 2,136 128
BANCO SANTANDER S.A. ADR 05964H105   48,092 10,387 SH   DFND 1 0 10,387 0
BANK AMERICA CORP COM 060505104   476,445 11,980 SH   DFND 1,3 0 7,544 4,436
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   863,230 2,122 SH   DFND 1,3 0 527 1,595
BLACKSTONE INC COM 09260D107   1,349,296 10,899 SH   DFND 1,4 0 436 10,463
BLACKSTONE MTG TR INC COM CL A 09257W100   350,806 19,446 SH   SOLE   0 0 19,446
BRISTOL-MYERS SQUIBB CO COM 110122108   212,260 5,111 SH   DFND 1,2,4 0 4,233 878
BROADCOM INC COM 11135F101   1,133,504 706 SH   DFND 1,3,4,5 0 533 173
CAMECO CORP COM 13321L108   683,519 13,893 SH   DFND 1 0 1,491 12,402
CANADIAN PACIFIC KANSAS CITY COM 13646K108   214,543 2,720 SH   DFND 1,3,4 0 1,575 1,145
CATERPILLAR INC COM 149123101   347,090 1,042 SH   DFND 1,3,4 0 823 219
CHEVRON CORP NEW COM 166764100   467,383 2,988 SH   DFND 1,2,3,4,5 0 2,146 842
CISCO SYS INC COM 17275R102   290,932 6,124 SH   DFND 1,3 0 2,051 4,073
COCA COLA CO COM 191216100   416,708 6,497 SH   DFND 1,2,3,4 0 4,678 1,819
COMCAST CORP NEW CL A 20030N101   311,714 7,960 SH   DFND 1,3,4 0 7,730 230
COSTCO WHSL CORP NEW COM 22160K105   608,593 716 SH   DFND 1,3,4 0 371 345
CROWDSTRIKE HLDGS INC CL A 22788C105   420,359 1,097 SH   DFND 1,4 0 537 560
CSX CORP COM 126408103   402,705 12,039 SH   DFND 1,4 0 11,781 258
CVS HEALTH CORP COM 126650100   219,703 3,720 SH   DFND 1,3,4 0 3,324 396
DEERE & CO COM 244199105   245,690 655 SH   DFND 1,3 0 188 467
DISNEY WALT CO COM 254687106   488,123 4,916 SH   DFND 1,3 0 2,851 2,065
DOMINION ENERGY INC COM 25746U109   220,108 4,492 SH   DFND 1,2,4 0 4,303 189
DUKE ENERGY CORP NEW COM NEW 26441C204   311,916 3,112 SH   DFND 1,2,3,4 0 2,777 335
ELI LILLY & CO COM 532457108   674,508 745 SH   DFND 1,3,4 0 580 165
ENBRIDGE INC COM 29250N105   292,079 8,210 SH   DFND 1,2,4 0 7,840 370
ETF SER SOLUTIONS APTUS COLLRD INV 26922A222   2,483,394 65,995 SH   SOLE   0 0 65,995
EXXON MOBIL CORP COM 30231G102   875,577 7,606 SH   DFND 1,3,4 0 1,240 6,366
FIRST HORIZON CORPORATION COM 320517105   296,165 18,603 SH   DFND 1 0 711 17,892
FIRST TR EXCHANGE TRADED FD NASDQ CLN EDGE 33737A108   688,970 5,961 SH   SOLE   0 0 5,961
FREEPORT-MCMORAN INC CL B 35671D857   201,107 4,138 SH   DFND 1,3,4 0 3,402 736
GE AEROSPACE COM NEW 369604301   250,060 1,573 SH   DFND 1,4 0 863 710
GENERAL MTRS CO COM 37045V100   214,203 4,610 SH   DFND 1,4 0 535 4,075
GILEAD SCIENCES INC COM 375558103   274,371 3,999 SH   DFND 1,2,3,4 0 3,816 183
GOLDMAN SACHS GROUP INC COM 38141G104   224,803 497 SH   DFND 1,3,4,5 0 362 135
GRAINGER W W INC COM 384802104   405,106 449 SH   DFND 1,3,4 0 442 7
HALLIBURTON CO COM 406216101   333,826 9,882 SH   DFND 1,4 0 861 9,021
HCA HEALTHCARE INC COM 40412C101   304,683 948 SH   DFND 1 0 186 762
HOME DEPOT INC COM 437076102   957,676 2,782 SH   DFND 1,3,4,5 0 1,367 1,415
HONEYWELL INTL INC COM 438516106   319,669 1,497 SH   DFND 1,3,4,5 0 1,140 357
HUNTINGTON BANCSHARES INC COM 446150104   178,382 13,377 SH   DFND 1,2,3,4 0 12,691 686
INTUIT COM 461202103   212,279 323 SH   DFND 1,3,4 0 321 2
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   2,477,631 15,082 SH   SOLE   0 0 15,082
INVESCO EXCHANGE TRADED FD T S&P MDCP MOMNTUM 46137V464   330,799 2,902 SH   SOLE   0 0 2,902
INVESCO QQQ TR UNIT SER 1 46090E103   472,342 984 SH   SOLE   0 0 984
ISHARES INC CORE MSCI EMKT 46434G103   1,038,995 19,410 SH   SOLE   0 0 19,410
ISHARES TR CORE MSCI EAFE 46432F842   4,604,638 63,390 SH   SOLE   0 0 63,390
ISHARES TR CORE S&P TTL STK 464287150   2,630,776 22,148 SH   SOLE   0 0 22,148
ISHARES TR GLOBAL REIT ETF 46434V647   2,180,981 93,806 SH   SOLE   0 0 93,806
ISHARES TR MSCI LW CRB TG 46434V464   1,997,790 10,901 SH   SOLE   0 0 10,901
ISHARES TR NATIONAL MUN ETF 464288414   1,071,868 10,060 SH   SOLE   0 0 10,060
ISHARES TR CORE S&P MCP ETF 464287507   664,090 11,348 SH   SOLE   0 0 11,348
ISHARES TR RUS 1000 VAL ETF 464287598   663,335 3,802 SH   SOLE   0 0 3,802
ISHARES TR RUS 1000 GRW ETF 464287614   626,593 1,719 SH   SOLE   0 0 1,719
ISHARES TR CORE S&P SCP ETF 464287804   596,734 5,595 SH   SOLE   0 0 5,595
ISHARES TR S&P MC 400GR ETF 464287606   475,794 5,400 SH   SOLE   0 0 5,400
ISHARES TR GLOBAL ENERG ETF 464287341   384,756 9,269 SH   SOLE   0 0 9,269
ISHARES TR RUS MID CAP ETF 464287499   336,320 4,148 SH   SOLE   0 0 4,148
ISHARES TR ESG AWARE MSCI 46435U663   248,895 6,465 SH   SOLE   0 0 6,465
ISHARES TR MSCI EMG MKT ETF 464287234   227,942 5,352 SH   SOLE   0 0 5,352
ISHARES TR RUS 2000 GRW ETF 464287648   223,151 850 SH   SOLE   0 0 850
ISHARES TR S&P 100 ETF 464287101   210,550 797 SH   SOLE   0 0 797
ITAU UNIBANCO HLDG S A SPON ADR REP PFD 465562106   65,136 11,057 SH   DFND 1,4 0 10,936 121
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   1,390,927 24,540 SH   SOLE   0 0 24,540
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203   1,147,864 20,682 SH   SOLE   0 0 20,682
J P MORGAN EXCHANGE TRADED F BETABUILDERS CDA 46641Q225   426,694 6,568 SH   SOLE   0 0 6,568
JOHNSON & JOHNSON COM 478160104   508,815 3,481 SH   DFND 1,3 0 1,453 2,028
JPMORGAN CHASE & CO. COM 46625H100   1,490,448 7,369 SH   DFND 1,3,4,5 0 2,624 4,745
LABCORP HOLDINGS INC COM SHS 504922105   228,036 1,121 SH   DFND 1 0 34 1,087
LAM RESEARCH CORP COM 512807108   993,662 931 SH   DFND 1 0 98 833
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100   235,419 2,461 SH   DFND 1,2,4 0 2,312 149
MARATHON PETE CORP COM 56585A102   202,278 1,166 SH   DFND 1 0 152 1,014
MASTERCARD INCORPORATED CL A 57636Q104   583,655 1,323 SH   DFND 1,3,4 0 1,025 298
MCDONALDS CORP COM 580135101   620,535 2,435 SH   DFND 1,3,4,5 0 1,417 1,018
MCKESSON CORP COM 58155Q103   660,655 1,130 SH   DFND 1,3 0 1,087 43
MERCK & CO INC COM 58933Y105   587,097 4,713 SH   DFND 1,3,4,5 0 1,535 3,178
META PLATFORMS INC CL A 30303M102   1,364,924 2,707 SH   DFND 1,3,4 0 2,275 432
MICRON TECHNOLOGY INC COM 595112103   342,767 2,606 SH   DFND 1,3,4 0 2,062 544
MICROSOFT CORP COM 594918104   6,356,143 14,221 SH   DFND 1,3,4,5 0 9,685 4,536
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104   133,355 12,204 SH   DFND 1 0 12,204 0
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109   50,472 11,932 SH   DFND 1 0 11,932 0
NATIONAL GRID PLC SPONSORED ADR NE 636274409   287,804 4,803 SH   DFND 1,2,4 0 4,623 180
NETFLIX INC COM 64110L106   478,490 709 SH   DFND 1,3,4 0 615 94
NEXTERA ENERGY INC COM 65339F101   415,371 5,866 SH   DFND 1,3,4,5 0 5,008 858
NIKE INC CL B 654106103   222,403 2,936 SH   DFND 1,3 0 1,757 1,179
NORFOLK SOUTHN CORP COM 655844108   331,481 1,544 SH   DFND 1 0 1,484 60
NOVO-NORDISK A S ADR 670100205   989,045 6,929 SH   DFND 1,4 0 2,099 4,830
NUSHARES ETF TR NUVEEN ESG INTL 67092P805   221,085 7,102 SH   SOLE   0 0 7,102
NUVEEN MUNICIPAL CREDIT INC COM SH BEN INT 67070X101   191,563 15,412 SH   SOLE   0 0 15,412
NVIDIA CORPORATION COM 67066G104   5,661,370 45,826 SH   DFND 1,3,4 0 29,411 16,415
ONEOK INC NEW COM 682680103   285,996 3,507 SH   DFND 1,3 0 3,507 0
ORACLE CORP COM 68389X105   697,669 4,941 SH   DFND 1,3,4,5 0 4,581 360
PARKER-HANNIFIN CORP COM 701094104   639,344 1,264 SH   DFND 1,3 0 129 1,135
PAYCHEX INC COM 704326107   386,980 3,264 SH   DFND 1,3,4 0 3,191 73
PEPSICO INC COM 713448108   212,100 1,286 SH   DFND 1,3,4,5 0 742 544
PFIZER INC COM 717081103   228,597 8,170 SH   DFND 1,2,3,4 0 7,242 928
PHILIP MORRIS INTL INC COM 718172109   464,401 4,525 SH   DFND 1,2,3,4 0 3,823 702
PNC FINL SVCS GROUP INC COM 693475105   352,629 2,268 SH   DFND 1,2,3,4,5 0 2,221 47
PROCTER AND GAMBLE CO COM 742718109   461,776 2,800 SH   DFND 1,3,4,5 0 1,438 1,362
PUTNAM MUN OPPORTUNITIES TR SH BEN INT 746922103   216,434 21,019 SH   SOLE   0 0 21,019
QUALCOMM INC COM 747525103   217,903 1,094 SH   DFND 1,3 0 995 99
REALTY INCOME CORP COM 756109104   202,934 3,842 SH   DFND 1,2,4 0 3,737 105
REAVES UTIL INCOME FD COM SH BEN INT 756158101   652,168 23,871 SH   SOLE   0 0 23,871
RTX CORPORATION COM 75513E101   244,751 2,438 SH   DFND 1,3,4 0 1,962 476
S&P GLOBAL INC COM 78409V104   222,108 498 SH   DFND 1,3,4 0 476 22
SALESFORCE INC COM 79466L302   457,381 1,779 SH   DFND 1,3,4 0 1,038 741
SANOFI SPONSORED ADR 80105N105   226,297 4,664 SH   DFND 1,2,4 0 4,513 151
SAP SE SPON ADR 803054204   444,771 2,205 SH   DFND 1,4 0 2,202 3
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   26,069,145 413,315 SH   SOLE   0 0 413,315
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   244,253 6,298 SH   SOLE   0 0 6,298
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   236,719 3,673 SH   SOLE   0 0 3,673
SERVICENOW INC COM 81762P102   262,748 334 SH   DFND 1,3,4 0 312 22
SOUTHERN CO COM 842587107   298,877 3,853 SH   DFND 1,2,4 0 3,507 346
SPDR S&P 500 ETF TR TR UNIT 78462F103   944,971 1,731 SH   SOLE   0 0 1,731
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   371,275 691 SH   SOLE   0 0 691
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   1,167,621 6,697 SH   DFND 1,4 0 5,650 1,047
TC ENERGY CORP COM 87807B107   201,824 5,228 SH   DFND 1,2,4 0 5,066 162
TESLA INC COM 88160R101   530,318 2,680 SH   DFND 1,3,4 0 2,624 56
THE CIGNA GROUP COM 125523100   207,932 629 SH   DFND 1 0 563 66
THERMO FISHER SCIENTIFIC INC COM 883556102   343,655 621 SH   DFND 1,3,4 0 271 350
TJX COS INC NEW COM 872540109   698,805 6,347 SH   DFND 1,3,4 0 5,936 411
TMC THE METALS COMPANY INC COM 87261Y106   36,585 27,100 SH   SOLE   0 0 27,100
TOTALENERGIES SE SPONSORED ADS 89151E109   398,817 5,906 SH   DFND 1,2,4 0 5,763 143
TOYOTA MOTOR CORP ADS 892331307   244,529 1,193 SH   DFND 1 0 1,018 175
TRUIST FINL CORP COM 89832Q109   238,461 6,138 SH   DFND 1,2,3,4 0 5,988 150
UNION PAC CORP COM 907818108   695,749 3,075 SH   DFND 1,3,4,5 0 2,882 193
UNITED PARCEL SERVICE INC CL B 911312106   285,481 2,086 SH   DFND 1,2,3,4 0 1,014 1,072
UNITEDHEALTH GROUP INC COM 91324P102   1,406,067 2,761 SH   DFND 1,3,4,5 0 2,213 548
US BANCORP DEL COM NEW 902973304   268,550 6,682 SH   DFND 1,2,3,4 0 6,294 388
VALERO ENERGY CORP COM 91913Y100   538,814 3,437 SH   DFND 1,3 0 437 3,000
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   2,778,961 32,086 SH   SOLE   0 0 32,086
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   371,540 3,783 SH   SOLE   0 0 3,783
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,815,132 25,193 SH   SOLE   0 0 25,193
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   5,303,519 10,567 SH   SOLE   0 0 10,567
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,035,241 11,306 SH   SOLE   0 0 11,306
VANGUARD INDEX FDS GROWTH ETF 922908736   343,182 916 SH   SOLE   0 0 916
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   336,627 3,970 SH   SOLE   0 0 3,970
VANGUARD INDEX FDS SMALL CP ETF 922908751   239,556 1,094 SH   SOLE   0 0 1,094
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   448,676 10,253 SH   SOLE   0 0 10,253
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   3,768,652 20,543 SH   SOLE   0 0 20,543
VANGUARD STAR FDS VG TL INTL STK F 921909768   567,194 9,406 SH   SOLE   0 0 9,406
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,127,316 43,046 SH   SOLE   0 0 43,046
VERIZON COMMUNICATIONS INC COM 92343V104   384,316 9,319 SH   DFND 1,2,3,4 0 8,729 590
VISA INC COM CL A 92826C839   1,068,778 4,072 SH   DFND 1,3,4 0 2,387 1,685
WALMART INC COM 931142103   893,837 13,201 SH   DFND 1,3 0 7,835 5,366
WILLIAMS COS INC COM 969457100   298,605 7,026 SH   DFND 1,2,3,4,5 0 6,454 572
XCEL ENERGY INC COM 98389B100   202,449 3,752 SH   DFND 1,2,4 0 3,590 162