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
3M Co COM 88579Y101   109,320 1,000 SH   DFND   1,000 0 0
3M Co COM 88579Y101   71,495 654 SH   SOLE   654 0 0
5TH THIRD BANCORP COM 316773100   8,898 258 SH   SOLE   258 0 0
ACADIA Pharmaceuticals Inc COM 004225108   6,262 200 SH   SOLE   200 0 0
ADVANCED MICRO DEV COM 007903107   848,492 5,756 SH   SOLE   3,196 0 2,560
AGILENT TECHS INC COM 00846U101   325,886 2,344 SH   SOLE   2,344 0 0
AGNC INVESTMENT CORP COM 00123Q104   5,101 520 SH   SOLE   520 0 0
ALBEMARLE CORP COM 012653101   1,445 10 SH   SOLE   10 0 0
ALCON AG ORD SHS H01301128   14,374 184 SH   SOLE   184 0 0
ALPHABET INC CAP STK CL A 02079K305   3,647,306 26,110 SH   SOLE   22,810 0 3,300
ALTRIA GROUP INC COM 02209S103   564,760 14,000 SH   DFND   14,000 0 0
ALTRIA GROUP INC COM 02209S103   224,774 5,572 SH   SOLE   5,572 0 0
AMBEV SA SPONSORED ADR 02319V103   62,566 22,345 SH   SOLE   0 0 22,345
AMER EXPRESS CO COM 025816109   698,216 3,727 SH   SOLE   3,727 0 0
AMER INTL GRP COM NEW 026874784   206,502 3,048 SH   SOLE   3,048 0 0
AMETEK Inc COM 031100100   4,782 29 SH   SOLE   29 0 0
ANALOG DEVICES INC COM 032654105   280,962 1,415 SH   SOLE   1,415 0 0
ANSYS, INC. COM 03662Q105   10,524 29 SH   SOLE   29 0 0
APA Corp COM 03743Q108   71,760 2,000 SH   SOLE   2,000 0 0
APPLIED MATERIALS COM 038222105   963,668 5,946 SH   SOLE   5,946 0 0
ARISTA NETWORKS INC COM 040413106   12,482 53 SH   SOLE   53 0 0
ASE Technology Holding Co Ltd SPONSORED ADS 00215W100   160,648 17,072 SH   SOLE   0 0 17,072
ASML HOLDING NV N Y REGISTRY SHS N07059210   139,273 184 SH   SOLE   49 0 135
AT&T INC COM 00206R102   117,460 7,000 SH   DFND   7,000 0 0
AT&T INC COM 00206R102   743,589 44,314 SH   SOLE   12,090 0 32,224
AUTOMATIC DATA PROCESSING COM 053015103   972,883 4,176 SH   SOLE   4,176 0 0
AUTOZONE INC COM 053332102   54,298 21 SH   SOLE   21 0 0
AVERY DENNISON CORP COM 053611109   58,222 288 SH   SOLE   288 0 0
AbbVie Inc COM 00287Y109   1,084,790 7,000 SH   DFND   7,000 0 0
AbbVie Inc COM 00287Y109   1,506,618 9,722 SH   SOLE   5,822 0 3,900
Abbott Laboratories COM 002824100   577,868 5,250 SH   DFND   5,250 0 0
Abbott Laboratories COM 002824100   2,933,145 26,648 SH   SOLE   11,744 0 14,904
Accenture PLC SHS CLASS A G1151C101   3,237,496 9,226 SH   SOLE   3,778 0 5,448
Adobe Inc COM 00724F101   4,141,001 6,941 SH   SOLE   1,936 0 5,005
Advance Auto Parts Inc COM 00751Y106   9,765 160 SH   SOLE   160 0 0
Aflac Inc COM 001055102   29,535 358 SH   SOLE   358 0 0
Air Products and Chemicals Inc COM 009158106   300,359 1,097 SH   SOLE   1,097 0 0
Airbnb Inc COM CL A 009066101   1,959,055 14,390 SH   SOLE   1,668 0 12,722
Alaska Air Group Inc COM 011659109   1,172 30 SH   SOLE   30 0 0
Align Technology Inc COM 016255101   515,668 1,882 SH   SOLE   382 0 1,501
Allegion plc ORD SHS G0176J109   5,954 47 SH   SOLE   47 0 0
Allstate Corp/The COM 020002101   82,588 590 SH   SOLE   590 0 0
Ally Financial Inc COM 02005N100   6,111 175 SH   SOLE   175 0 0
Alphabet Inc CAP STK CL C 02079K107   98,651 700 SH   DFND   700 0 0
Alphabet Inc CAP STK CL C 02079K107   5,859,447 41,577 SH   SOLE   18,492 0 23,085
Amazon.com Inc COM 023135106   11,543,186 75,972 SH   SOLE   28,973 0 46,999
Amcor PLC ORD G0250X107   69,890 7,250 SH   DFND   7,250 0 0
Amcor PLC ORD G0250X107   382,621 39,691 SH   SOLE   4,746 0 34,945
American Century ETF Trust AVANTIS EMGMKT 025072604   1,484,241 26,321 SH   SOLE   24,773 0 1,548
American Century ETF Trust INTL EQT ETF 025072703   3,868 64 SH   DFND   64 0 0
American Century ETF Trust INTL EQT ETF 025072703   1,221,532 20,214 SH   SOLE   16,960 0 3,254
American Electric Power Co Inc COM 025537101   81,220 1,000 SH   DFND   1,000 0 0
American Electric Power Co Inc COM 025537101   631,242 7,772 SH   SOLE   1,355 0 6,417
American Tower Corp COM 03027X100   340,227 1,576 SH   SOLE   1,576 0 0
Ameriprise Financial Inc COM 03076C106   622,162 1,638 SH   SOLE   1,638 0 0
Amgen Inc COM 031162100   1,367,807 4,749 SH   SOLE   2,861 0 1,888
Amphenol Corp CL A 032095101   104,384 1,053 SH   SOLE   1,053 0 0
Anheuser-Busch InBev SA/NV SPONSORED ADR 03524A108   64,620 1,000 SH   SOLE   1,000 0 0
Aon PLC SHS CL A G0403H108   84,978 292 SH   SOLE   292 0 0
Apollo Global Management Inc COM 03769M106   8,573 92 SH   SOLE   92 0 0
Apple Hospitality REIT Inc COM NEW 03784Y200   224,617 13,523 SH   SOLE   13,523 0 0
Apple Inc COM 037833100   13,092,040 68,000 SH   DFND   68,000 0 0
Apple Inc COM 037833100   20,151,538 104,667 SH   SOLE   102,207 0 2,460
Archer Aviation Inc COM CL A 03945R102   29,165 4,750 SH   SOLE   4,750 0 0
Archer-Daniels-Midland Co COM 039483102   74,459 1,031 SH   SOLE   1,031 0 0
Ares Capital Corp COM 04010L103   14,422 720 SH   SOLE   720 0 0
Arthur J Gallagher & Co COM 363576109   228,028 1,014 SH   SOLE   484 0 530
AstraZeneca PLC SPONSORED ADR 046353108   501,758 7,450 SH   DFND   7,450 0 0
AstraZeneca PLC SPONSORED ADR 046353108   240,507 3,571 SH   SOLE   3,571 0 0
Atlassian Corp CL A 049468101   84,678 356 SH   SOLE   356 0 0
Autodesk Inc COM 052769106   1,633,994 6,711 SH   SOLE   887 0 5,824
BAKER HUGHES INC CL A 05722G100   5,127 150 SH   SOLE   150 0 0
BARRICK GOLD CORP COM 067901108   44,248 2,446 SH   SOLE   2,446 0 0
BAXTER INTL INC COM 071813109   82,191 2,126 SH   SOLE   2,126 0 0
BCE Inc COM NEW 05534B760   173,272 4,400 SH   DFND   4,400 0 0
BCE Inc COM NEW 05534B760   749,323 19,028 SH   SOLE   2,949 0 16,079
BECTON DICKINSON COM 075887109   1,707 7 SH   SOLE   7 0 0
BEST BUY CO INC COM 086516101   59,884 765 SH   SOLE   765 0 0
BHP BILLITON LTD SPONSORED ADS 088606108   86,685 1,269 SH   SOLE   0 0 1,269
BJ's Wholesale Club Holdings I COM 05550J101   90,658 1,360 SH   SOLE   1,360 0 0
BK OF AMERICA CORP COM 060505104   2,417,843 71,810 SH   SOLE   67,700 0 4,110
BK OF MONTREAL COM 063671101   50,459 510 SH   SOLE   510 0 0
BK OF NY MELLON CP COM 064058100   65,895 1,266 SH   SOLE   1,266 0 0
BLACKROCK FUND ADVISORS HDG MSCI EAFE 46434V803   1,496,725 47,500 SH   SOLE   0 0 47,500
BOEING CO COM 097023105   290,115 1,113 SH   SOLE   1,113 0 0
BP PLC SPONSORED ADR 055622104   226,808 6,407 SH   SOLE   6,407 0 0
BRISTOL-MYRS SQUIB COM 110122108   102,620 2,000 SH   DFND   2,000 0 0
BRISTOL-MYRS SQUIB COM 110122108   144,438 2,815 SH   SOLE   2,725 0 90
BRITISH AMERICAN TOBACCO PLC SPONSORED ADR 110448107   80,548 2,750 SH   DFND   2,750 0 0
BRITISH AMERICAN TOBACCO PLC SPONSORED ADR 110448107   423,416 14,456 SH   SOLE   1,820 0 12,636
BROADRIDGE FIN SOL COM 11133T103   10,288 50 SH   SOLE   50 0 0
Baidu Inc SPON ADR REP A 056752108   77,289 649 SH   SOLE   0 0 649
Banco Bradesco SA SP ADR PFD NEW 059460303   50,208 14,345 SH   SOLE   0 0 14,345
Bancolombia SA SPON ADR PREF 05968L102   69,786 2,268 SH   SOLE   0 0 2,268
Barclays PLC ADR 06738E204   65,341 8,292 SH   SOLE   0 0 8,292
Berkshire Hathaway Inc CL B NEW 084670702   1,208,364 3,388 SH   SOLE   3,388 0 0
Biogen Inc COM 09062X103   18,373 71 SH   SOLE   71 0 0
Biomea Fusion Inc COM 09077A106   56,091 3,863 SH   SOLE   3,863 0 0
Black Stone Minerals LP COM UNIT 09225M101   15,960 1,000 SH   SOLE   1,000 0 0
BlackRock Fund Advisors CORE S&P TTL STK 464287150   6,241,191 59,310 SH   SOLE   59,310 0 0
BlackRock Fund Advisors MSCI EAFE ETF 464287465   133,746 1,775 SH   DFND   1,775 0 0
BlackRock Fund Advisors MSCI EAFE ETF 464287465   5,626,987 74,678 SH   SOLE   67,757 0 6,921
BlackRock Fund Advisors RUS MDCP VAL ETF 464287473   226,649 1,949 SH   SOLE   1,949 0 0
BlackRock Fund Advisors RUS MD CP GR ETF 464287481   125,352 1,200 SH   SOLE   1,200 0 0
BlackRock Fund Advisors RUS MID CAP ETF 464287499   1,989,888 25,600 SH   SOLE   25,600 0 0
BlackRock Fund Advisors CORE S&P MCP ETF 464287507   64,576 233 SH   DFND   233 0 0
BlackRock Fund Advisors CORE S&P MCP ETF 464287507   36,748,150 132,593 SH   SOLE   108,836 0 23,757
BlackRock Fund Advisors S&P MC 400GR ETF 464287606   116,612 1,472 SH   SOLE   1,472 0 0
BlackRock Fund Advisors RUSSELL 3000 ETF 464287689   140,976 515 SH   SOLE   515 0 0
BlackRock Fund Advisors S&P MC 400VL ETF 464287705   148,822 1,305 SH   SOLE   1,305 0 0
BlackRock Fund Advisors US INDUSTRIALS 464287754   11,436 100 SH   SOLE   100 0 0
BlackRock Fund Advisors CORE S&P SCP ETF 464287804   325,400 3,006 SH   DFND   3,006 0 0
BlackRock Fund Advisors CORE S&P SCP ETF 464287804   32,453,350 299,800 SH   SOLE   240,031 0 59,769
BlackRock Fund Advisors SHRT NAT MUN ETF 464288158   9,574,731 90,816 SH   SOLE   87,732 0 3,084
BlackRock Fund Advisors EAFE SML CP ETF 464288273   62,210 1,005 SH   SOLE   1,005 0 0
BlackRock Fund Advisors INTL SEL DIV ETF 464288448   69,975 2,500 SH   SOLE   2,500 0 0
BlackRock Fund Advisors ISHS 1-5YR INVS 464288646   477,216 9,307 SH   SOLE   9,307 0 0
BlackRock Fund Advisors MSCI USA ESG SLC 464288802   233,987 2,328 SH   SOLE   2,328 0 0
BlackRock Fund Advisors MSCI USA MIN VOL 46429B697   312,120 4,000 SH   SOLE   4,000 0 0
BlackRock Fund Advisors GSCI CMDTY STGY 46431W853   97,272 3,880 SH   SOLE   3,880 0 0
BlackRock Fund Advisors MRNGSTR INC ETF 46432F875   79,313 3,942 SH   DFND   3,942 0 0
BlackRock Fund Advisors CORE MSCI EMKT 46434G103   28,021 554 SH   DFND   554 0 0
BlackRock Fund Advisors CORE MSCI EMKT 46434G103   6,584,757 130,185 SH   SOLE   103,389 0 26,796
BlackRock Fund Advisors MSCI EMRG CHN 46434G764   23,826 430 SH   SOLE   430 0 0
BlackRock Fund Advisors MSCI ITALY ETF 46434G830   3,393 100 SH   SOLE   100 0 0
BlackRock Fund Advisors IBONDS DEC25 ETF 46434VBD1   18,694 755 SH   SOLE   755 0 0
BlackRock Fund Advisors IBONDS DEC2026 46435GAA0   20,315 850 SH   SOLE   850 0 0
BlackRock Inc COM 09247X101   327,967 404 SH   SOLE   404 0 0
Blackstone Inc COM 09260D107   130,920 1,000 SH   DFND   1,000 0 0
Blackstone Inc COM 09260D107   61,532 470 SH   SOLE   470 0 0
Block Inc CL A 852234103   2,939 38 SH   SOLE   38 0 0
Booking Holdings Inc COM 09857L108   7,094 2 SH   SOLE   2 0 0
BorgWarner Inc COM 099724106   39,614 1,105 SH   SOLE   1,105 0 0
Boston Scientific Corp COM 101137107   143,427 2,481 SH   SOLE   2,481 0 0
Broadcom Inc COM 11135F101   1,234,573 1,106 SH   SOLE   1,106 0 0
Burlington Stores Inc COM 122017106   21,393 110 SH   SOLE   110 0 0
CACI International Inc CL A 127190304   15,869 49 SH   SOLE   49 0 0
CARNIVAL CORP COMMON STOCK 143658300   72,213 3,895 SH   SOLE   0 0 3,895
CARRIER GLOBAL CORP COM 14448C104   43,088 750 SH   DFND   750 0 0
CARRIER GLOBAL CORP COM 14448C104   172,407 3,001 SH   SOLE   3,001 0 0
CBRE Group Inc CL A 12504L109   63,674 684 SH   SOLE   684 0 0
CDN NATL RAILWAYS COM 136375102   80,152 638 SH   SOLE   0 0 638
CF Industries Holdings Inc COM 125269100   14,310 180 SH   SOLE   180 0 0
CHUBB LIMITED COM COM H1467J104   67,800 300 SH   DFND   300 0 0
CHUBB LIMITED COM COM H1467J104   159,330 705 SH   SOLE   705 0 0
CIBC COM 136069101   221,444 4,600 SH   DFND   4,600 0 0
CIBC COM 136069101   454,490 9,441 SH   SOLE   1,367 0 8,074
CIENA CORP COM NEW 171779309   900 20 SH   SOLE   20 0 0
CINTAS CORP COM 172908105   6,027 10 SH   SOLE   10 0 0
CISCO SYSTEMS COM 17275R102   827,467 16,379 SH   SOLE   14,835 0 1,544
CME Group Inc COM 12572Q105   271,885 1,291 SH   SOLE   506 0 785
CMS Energy Corp COM 125896100   18,060 311 SH   SOLE   311 0 0
CNX Resources Corp COM 12653C108   5,060 253 SH   SOLE   253 0 0
COGNIZANT TECHNOLO CL A 192446102   26,511 351 SH   SOLE   351 0 0
CONAGRA FOODS INC COM 205887102   330,736 11,540 SH   SOLE   2,129 0 9,411
CONOCOPHILLIPS COM 20825C104   1,538,160 13,252 SH   SOLE   13,252 0 0
CONSOL Energy Inc COM 20854L108   2,513 25 SH   SOLE   25 0 0
CORNING INC COM 219350105   43,452 1,427 SH   SOLE   1,427 0 0
CRH None G25508105   89,631 1,296 SH   SOLE   1,296 0 0
CRONOS GROUP INC COM 22717L101   4,180 2,000 SH   DFND   2,000 0 0
CSX CORP COM 126408103   890,014 25,671 SH   SOLE   21,921 0 3,750
CUMMINS INC COM 231021106   6,229 26 SH   SOLE   26 0 0
CVS Health Corp COM 126650100   286,467 3,628 SH   SOLE   3,628 0 0
Cadence Design Systems Inc COM 127387108   231,787 851 SH   SOLE   851 0 0
Canadian Pacific Kansas City L COM 13646K108   19,212 243 SH   SOLE   243 0 0
Capital One Financial Corp COM 14040H105   114,992 877 SH   SOLE   877 0 0
CarMax Inc COM 143130102   8,748 114 SH   SOLE   114 0 0
Cardinal Health Inc COM 14149Y108   25,805 256 SH   SOLE   256 0 0
Caterpillar Inc COM 149123101   450,897 1,525 SH   SOLE   1,525 0 0
Cboe Global Markets Inc COM 12503M108   3,571 20 SH   SOLE   20 0 0
Celanese Corp COM 150870103   455,856 2,934 SH   SOLE   2,934 0 0
Centene Corp COM 15135B101   4,453 60 SH   SOLE   60 0 0
Charles Schwab Corp/The COM 808513105   175,578 2,552 SH   SOLE   2,552 0 0
Charles Schwab Investment Management Inc US LRG CAP ETF 808524201   206,311 3,658 SH   SOLE   3,658 0 0
Charles Schwab Investment Management Inc US MID-CAP ETF 808524508   76,073 1,010 SH   SOLE   1,010 0 0
Charles Schwab Investment Management Inc US SML CAP ETF 808524607   49,130 1,040 SH   SOLE   1,040 0 0
Charter Communications Inc CL A 16119P108   36,536 94 SH   SOLE   94 0 0
Check Point Software Technolog ORD M22465104   112,759 738 SH   SOLE   0 0 738
Chevron Corp COM 166764100   1,193,280 8,000 SH   DFND   8,000 0 0
Chevron Corp COM 166764100   1,295,305 8,684 SH   SOLE   5,313 0 3,371
Chipotle Mexican Grill Inc COM 169656105   36,591 16 SH   SOLE   16 0 0
Cigna Group/The COM 125523100   530,925 1,773 SH   SOLE   1,773 0 0
Cincinnati Financial Corp COM 172062101   5,897 57 SH   SOLE   57 0 0
Citigroup Inc COM NEW 172967424   102,571 1,994 SH   SOLE   1,994 0 0
Citizens Financial Group Inc COM 174610105   10,936 330 SH   SOLE   330 0 0
Clorox Co/The COM 189054109   45,344 318 SH   SOLE   318 0 0
Coca-Cola Co/The COM 191216100   179,737 3,050 SH   DFND   3,050 0 0
Coca-Cola Co/The COM 191216100   1,113,954 18,903 SH   SOLE   13,787 0 5,116
Comcast Corp CL A 20030N101   720,192 16,424 SH   SOLE   13,714 0 2,710
Comerica Inc COM 200340107   5,581 100 SH   SOLE   100 0 0
Constellation Brands Inc CL A 21036P108   75,184 311 SH   SOLE   260 0 51
Constellation Energy Corp COM 21037T109   186,323 1,594 SH   SOLE   1,518 0 76
Copart Inc COM 217204106   8,428 172 SH   SOLE   172 0 0
Corteva Inc COM 22052L104   5,080 106 SH   SOLE   106 0 0
Costco Wholesale Corp COM 22160K105   1,906,971 2,889 SH   SOLE   2,600 0 289
Crowdstrike Holdings Inc CL A 22788C105   38,809 152 SH   SOLE   152 0 0
Crown Castle Inc COM 22822V101   195,823 1,700 SH   DFND   1,700 0 0
Crown Castle Inc COM 22822V101   560,745 4,868 SH   SOLE   1,225 0 3,643
DEERE & CO COM 244199105   655,387 1,639 SH   SOLE   1,156 0 483
DIAGEO SPON ADR NEW 25243Q205   174,792 1,200 SH   DFND   1,200 0 0
DIAGEO SPON ADR NEW 25243Q205   113,323 778 SH   SOLE   240 0 538
DISCOVER FINL SVCS COM 254709108   22,368 199 SH   SOLE   199 0 0
DOMINION RES(VIR) COM 25746U109   47,000 1,000 SH   DFND   1,000 0 0
DOMINION RES(VIR) COM 25746U109   709,042 15,086 SH   SOLE   3,136 0 11,950
DR HORTON INC COM 23331A109   21,581 142 SH   SOLE   142 0 0
DUKE ENERGY CORP COM NEW 26441C204   106,744 1,100 SH   DFND   1,100 0 0
DUKE ENERGY CORP COM NEW 26441C204   1,481,122 15,263 SH   SOLE   6,711 0 8,552
Danaher Corp COM 235851102   527,224 2,279 SH   SOLE   2,279 0 0
Danaher Corp None 92338C103   20,812 253 SH   SOLE   253 0 0
Darden Restaurants Inc COM 237194105   223,612 1,361 SH   SOLE   1,361 0 0
Darling Ingredients Inc COM 237266101   12,410 249 SH   SOLE   249 0 0
Dell Technologies Inc CL C 24703L202   6,120 80 SH   SOLE   80 0 0
Delta Air Lines Inc COM NEW 247361702   48,316 1,201 SH   SOLE   1,201 0 0
Devon Energy Corp COM 25179M103   39,547 873 SH   SOLE   873 0 0
Dexcom Inc COM 252131107   13,029 105 SH   SOLE   105 0 0
Diamondback Energy Inc COM 25278X109   5,273 34 SH   SOLE   34 0 0
Digital Realty Trust Inc COM 253868103   18,303 136 SH   SOLE   136 0 0
DocuSign Inc COM 256163106   25,028 421 SH   SOLE   421 0 0
Dolby Laboratories Inc COM CL A 25659T107   34,472 400 SH   SOLE   400 0 0
Dollar General Corp COM 256677105   26,102 192 SH   SOLE   192 0 0
Dollar Tree Inc COM 256746108   12,927 91 SH   SOLE   91 0 0
Dover Corp COM 260003108   31,377 204 SH   SOLE   204 0 0
Dow Inc COM 260557103   12,010 219 SH   SOLE   219 0 0
DuPont de Nemours Inc COM 26614N102   40,696 529 SH   SOLE   529 0 0
EBAY INC COM 278642103   213,258 4,889 SH   SOLE   4,889 0 0
ECOLAB INC COM 278865100   9,322 47 SH   SOLE   47 0 0
EDISON INTERNATIONAL COM 281020107   13,226 185 SH   SOLE   185 0 0
ELECTRONIC ARTS COM 285512109   54,724 400 SH   SOLE   285 0 115
EMERSON ELECTRIC COM 291011104   167,992 1,726 SH   SOLE   1,726 0 0
ENBRIDGE INC COM 29250N105   880,005 24,431 SH   SOLE   4,521 0 19,910
ENI SPONSORED ADR 26874R108   34,010 1,000 SH   SOLE   1,000 0 0
EOG Resources Inc COM 26875P101   76,803 635 SH   SOLE   635 0 0
EPAM Systems Inc COM 29414B104   8,326 28 SH   SOLE   28 0 0
EQUINIX INC COM 29444U700   206,985 257 SH   SOLE   104 0 153
ERICSSON(LM)TEL ADR B SEK 10 294821608   46,652 7,405 SH   SOLE   0 0 7,405
ESTEE LAUDER COS CL A 518439104   121,241 829 SH   SOLE   829 0 0
ETF Securities US LLC PHYSICAL PALLADM 003262102   1,415 14 SH   SOLE   14 0 0
EXELON CORP COM 30161N101   175,443 4,887 SH   SOLE   4,657 0 230
Eaton Corp PLC SHS G29183103   1,017,705 4,226 SH   SOLE   3,547 0 679
Edwards Lifesciences Corp COM 28176E108   65,575 860 SH   SOLE   860 0 0
Elevance Health Inc COM 036752103   323,962 687 SH   SOLE   687 0 0
Eli Lilly & Co COM 532457108   874,380 1,500 SH   DFND   1,500 0 0
Eli Lilly & Co COM 532457108   2,466,917 4,232 SH   SOLE   2,914 0 1,318
Energy Transfer LP COM UT LTD PTN 29273V100   2,374 172 SH   SOLE   172 0 0
Entergy Corp COM 29364G103   469,016 4,635 SH   SOLE   435 0 4,200
Equity Residential SH BEN INT 29476L107   9,602 157 SH   SOLE   157 0 0
Everest Group Ltd COM G3223R108   154,161 436 SH   SOLE   0 0 436
Eversource Energy COM 30040W108   3,827 62 SH   SOLE   62 0 0
Exact Sciences Corp COM 30063P105   740 10 SH   SOLE   10 0 0
Exxon Mobil Corp COM 30231G102   4,199,160 42,000 SH   DFND   42,000 0 0
Exxon Mobil Corp COM 30231G102   1,853,929 18,543 SH   SOLE   18,543 0 0
FACEBOOK INC CL A 30303M102   1,412,654 3,991 SH   SOLE   3,947 0 44
FEDEX CORP COM 31428X106   86,769 343 SH   SOLE   343 0 0
FERRARI NV COM N3167Y103   28,767 85 SH   SOLE   85 0 0
FIRST SOLAR INC COM 336433107   22,741 132 SH   SOLE   132 0 0
FISERV INC COM 337738108   24,443 184 SH   SOLE   184 0 0
FMC Corp COM NEW 302491303   4,666 74 SH   SOLE   74 0 0
FORD MOTOR CO COM 345370860   2,316 190 SH   SOLE   190 0 0
FREEPORT-MCMOR C&G CL B 35671D857   233,156 5,477 SH   SOLE   5,477 0 0
Fair Isaac Corp COM 303250104   186,242 160 SH   SOLE   160 0 0
Fastenal Co COM 311900104   48,707 752 SH   SOLE   752 0 0
Ferguson PLC SHS G3421J106   11,005 57 SH   SOLE   57 0 0
Fidelity National Financial In FNF GROUP COM 31620R303   51,020 1,000 SH   SOLE   1,000 0 0
Fidelity National Information COM 31620M106   10,452 174 SH   SOLE   174 0 0
Figs Inc CL A 30260D103   6,950 1,000 SH   SOLE   1,000 0 0
First Trust Advisors LP RISNG DIVD ACHIV 33738R506   41,853 810 SH   SOLE   810 0 0
First Trust Advisors LP FST LOW OPPT EFT 33739Q200   65,425 1,354 SH   DFND   1,354 0 0
First Trust Advisors LP FST LOW OPPT EFT 33739Q200   5,462,721 113,053 SH   SOLE   111,555 0 1,498
First Trust ETFs/USA CAP STRENGTH ETF 33733E104   312,156 3,900 SH   SOLE   0 0 3,900
FlexShares ETFs/USA HIG YLD VL ETF 33939L662   23,255 569 SH   SOLE   569 0 0
Fortinet Inc COM 34959E109   25,343 433 SH   SOLE   433 0 0
Fortive Corp COM 34959J108   3,682 50 SH   SOLE   50 0 0
Franklin Resources Inc COM 354613101   25,560 858 SH   SOLE   858 0 0
GARTNER INC COM 366651107   1,330,775 2,950 SH   SOLE   631 0 2,319
GE HealthCare Technologies Inc COMMON STOCK 36266G107   4,021 52 SH   SOLE   52 0 0
GEN DYNAMICS CORP COM 369550108   85,691 330 SH   SOLE   330 0 0
GENERAL MILLS INC COM 370334104   227,990 3,500 SH   DFND   3,500 0 0
GENERAL MILLS INC COM 370334104   73,217 1,124 SH   SOLE   1,124 0 0
GOLDMAN SACHS GRP COM 38141G104   245,735 637 SH   SOLE   637 0 0
GSK PLC SPONSORED ADR 37733W204   142,310 3,840 SH   DFND   3,840 0 0
GSK PLC SPONSORED ADR 37733W204   92,057 2,484 SH   SOLE   2,484 0 0
Generac Holdings Inc COM 368736104   775 6 SH   SOLE   6 0 0
General Electric Co COM NEW 369604301   418,499 3,279 SH   SOLE   3,279 0 0
General Motors Co COM 37045V100   15,086 420 SH   SOLE   420 0 0
Genesco Inc COM 371532102   35,210 1,000 SH   SOLE   1,000 0 0
Genuine Parts Co COM 372460105   61,217 442 SH   SOLE   442 0 0
Gilead Sciences Inc COM 375558103   661,366 8,164 SH   SOLE   3,503 0 4,661
Global Payments Inc COM 37940X102   1,397 11 SH   SOLE   11 0 0
Goldman Sachs Asset Management LP UNIT 38150K103   3,004 147 SH   SOLE   147 0 0
GraniteShares ETF Trust SHS BEN INT 38748T103   2,287 237 SH   SOLE   237 0 0
HALLIBURTON COM 406216101   15,689 434 SH   SOLE   434 0 0
HARMONY GOLD MNG SPONSORED ADR 413216300   1,538 250 SH   SOLE   250 0 0
HCA Healthcare Inc COM 40412C101   197,055 728 SH   SOLE   728 0 0
HDFC BANK SPONSORED ADS 40415F101   146,300 2,180 SH   SOLE   910 0 1,270
HERSHEY CO (THE) COM 427866108   3,169 17 SH   SOLE   17 0 0
HONDA MOTOR CO AMERN SHS 438128308   65,251 2,111 SH   SOLE   0 0 2,111
HSBC HLDGS SPON ADR NEW 404280406   85,661 2,113 SH   SOLE   0 0 2,113
HUBSPOT INC COM 443573100   15,675 27 SH   SOLE   27 0 0
HUMANA INC COM 444859102   80,117 175 SH   SOLE   175 0 0
Haleon PLC SPON ADS 405552100   24,772 3,010 SH   SOLE   3,010 0 0
Hartford Financial Services Gr COM 416515104   44,048 548 SH   SOLE   548 0 0
Henry Schein Inc COM 806407102   4,088 54 SH   SOLE   54 0 0
Hess Corp COM 42809H107   118,211 820 SH   SOLE   820 0 0
Hewlett Packard Enterprise Co COM 42824C109   9,067 534 SH   SOLE   534 0 0
Home Depot Inc/The COM 437076102   13,862 40 SH   DFND   40 0 0
Home Depot Inc/The COM 437076102   2,860,077 8,253 SH   SOLE   7,950 0 303
Honeywell International Inc COM 438516106   230,681 1,100 SH   DFND   1,100 0 0
Honeywell International Inc COM 438516106   758,102 3,615 SH   SOLE   3,615 0 0
Hubbell Inc COM 443510607   131,572 400 SH   SOLE   400 0 0
Huntington Bancshares Inc/OH COM 446150104   25,440 2,000 SH   DFND   2,000 0 0
Huntington Bancshares Inc/OH COM 446150104   567,528 44,617 SH   SOLE   5,599 0 39,018
ICICI BANK ADR 45104G104   145,209 6,091 SH   SOLE   0 0 6,091
ICON PLC SHS G4705A100   201,546 712 SH   SOLE   51 0 661
IDEXX Laboratories Inc COM 45168D104   13,876 25 SH   SOLE   25 0 0
ILLINOIS TOOL WKS COM 452308109   752,292 2,872 SH   SOLE   2,342 0 530
IMPERIAL OIL COM NEW 453038408   2,860 50 SH   SOLE   50 0 0
INTERCONTINENTAL EXCHANGE COM 45866F104   348,302 2,712 SH   SOLE   2,567 0 145
INTL BUSINESS MCHN COM 459200101   1,225,480 7,493 SH   SOLE   7,493 0 0
ISHARES SELECT DIVID ETF 464287168   14,770 126 SH   SOLE   126 0 0
ISHARES CORE S&P500 ETF 464287200   31,524 66 SH   DFND   66 0 0
ISHARES CORE S&P500 ETF 464287200   14,449,740 30,253 SH   SOLE   26,148 0 4,105
ISHARES GLOB HLTHCRE ETF 464287325   18,385 212 SH   SOLE   212 0 0
ISHARES RUS 2000 VAL ETF 464287630   56,074 361 SH   SOLE   361 0 0
ISHARES RUSSELL 2000 ETF 464287655   1,644,618 8,194 SH   SOLE   8,194 0 0
ISHARES U.S. ENERGY ETF 464287796   492,291 11,158 SH   SOLE   11,158 0 0
ISHARES SP SMCP600VL ETF 464287879   92,763 900 SH   SOLE   900 0 0
ISHARES ISHARES 46428Q109   2,897 133 SH   SOLE   133 0 0
ISHARES CORE MSCI EAFE 46432F842   13,012,780 184,972 SH   SOLE   136,846 0 48,126
ISHARES GOLD TRUST ISHARES NEW 464285204   502,238 12,868 SH   SOLE   12,868 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   1,939,972 48,246 SH   SOLE   48,246 0 0
ISHARES TRUST 1 3 YR TREAS BD 464287457   98,448 1,200 SH   SOLE   1,200 0 0
ISHARES TRUST RUS 1000 VAL ETF 464287598   2,058,519 12,457 SH   SOLE   12,457 0 0
ISHARES TRUST IBOXX HI YD ETF 464288513   18,883 244 SH   SOLE   244 0 0
ISHARES/USA RUS 1000 GRW ETF 464287614   6,476,924 21,364 SH   SOLE   21,364 0 0
ISHARES/USA S&P SML 600 GWT 464287887   602,049 4,811 SH   SOLE   4,811 0 0
ISHARES/USA NATIONAL MUN ETF 464288414   5,814,137 53,631 SH   SOLE   53,125 0 506
Illumina Inc COM 452327109   56,949 409 SH   SOLE   280 0 129
Ingersoll Rand Inc COM 45687V106   212,762 2,751 SH   SOLE   1,715 0 1,036
Intel Corp COM 458140100   354,514 7,055 SH   SOLE   7,055 0 0
International Seaways Inc COM Y41053102   10,233 225 SH   SOLE   225 0 0
Intuit Inc COM 461202103   909,419 1,455 SH   SOLE   1,455 0 0
Intuitive Surgical Inc COM NEW 46120E602   232,104 688 SH   SOLE   688 0 0
Invesco Capital Management LLC S&P500 EQL WGT 46137V357   322,070 2,041 SH   SOLE   2,041 0 0
Invesco ETFs/USA UNIT SER 1 46090E103   313,283 765 SH   SOLE   765 0 0
Itau Unibanco Holding SA SPON ADR REP PFD 465562106   93,776 13,493 SH   SOLE   0 0 13,493
JPMorgan Chase & Co COM 46625H100   1,105,650 6,500 SH   DFND   6,500 0 0
JPMorgan Chase & Co COM 46625H100   3,026,419 17,792 SH   SOLE   16,663 0 1,129
JUNIPER NETWORKS COM 48203R104   27,741 941 SH   SOLE   941 0 0
Jacobs Solutions Inc COM 46982L108   40,368 311 SH   SOLE   311 0 0
Johnson & Johnson COM 478160104   391,850 2,500 SH   DFND   2,500 0 0
Johnson & Johnson COM 478160104   2,611,132 16,659 SH   SOLE   16,093 0 566
Johnson Controls International SHS G51502105   126,347 2,192 SH   SOLE   2,192 0 0
KIMBERLY-CLARK CP COM 494368103   243,020 2,000 SH   DFND   2,000 0 0
KIMBERLY-CLARK CP COM 494368103   943,768 7,767 SH   SOLE   3,210 0 4,557
KKR & Co Inc COM 48251W104   15,244 184 SH   SOLE   184 0 0
KLA Corp COM NEW 482480100   326,691 562 SH   SOLE   562 0 0
KRAFT FOODS INC CL A 609207105   710,031 9,803 SH   SOLE   7,613 0 2,190
KROGER COM 501044101   628,650 13,753 SH   SOLE   13,753 0 0
Kartoon Studios Inc COM NEW 37229T509   139 100 SH   SOLE   100 0 0
Kenvue Inc COM 49177J102   333,457 15,488 SH   SOLE   1,455 0 14,033
Keurig Dr Pepper Inc COM 49271V100   10,229 307 SH   SOLE   307 0 0
KeyCorp COM 493267108   13,118 911 SH   SOLE   911 0 0
Kingdom of Norway Ministry of SPONSORED ADR 29446M102   115,075 3,637 SH   SOLE   0 0 3,637
Kyndryl Holdings Inc COMMON STOCK 50155Q100   16,686 803 SH   SOLE   803 0 0
L3Harris Technologies Inc COM 502431109   69,083 328 SH   SOLE   328 0 0
LAS VEGAS SANDS CO COM 517834107   2,461 50 SH   SOLE   50 0 0
LENNAR CORP CL A 526057104   623,732 4,185 SH   SOLE   235 0 3,950
LOWE'S COS INC COM 548661107   591,760 2,659 SH   SOLE   2,149 0 510
LULULEMON ATHLETIC COM 550021109   51,129 100 SH   DFND   100 0 0
LULULEMON ATHLETIC COM 550021109   31,700 62 SH   SOLE   62 0 0
Laboratory Corp of America Hol COM NEW 50540R409   38,412 169 SH   SOLE   169 0 0
Lam Research Corp COM 512807108   455,074 581 SH   SOLE   403 0 178
Lattice Semiconductor Corp COM 518415104   70,715 1,025 SH   SOLE   1,025 0 0
Lennar Corp CL B 526057302   10,590 79 SH   SOLE   0 0 79
Lincoln Electric Holdings Inc COM 533900106   104,598 481 SH   SOLE   481 0 0
Linde PLC SHS G54950103   144,981 353 SH   SOLE   353 0 0
Littelfuse Inc COM 537008104   53,512 200 SH   SOLE   200 0 0
Lockheed Martin Corp COM 539830109   18,130 40 SH   DFND   40 0 0
Lockheed Martin Corp COM 539830109   373,923 825 SH   SOLE   825 0 0
Lumentum Holdings Inc COM 55024U109   2,359 45 SH   SOLE   45 0 0
LyondellBasell Industries NV SHS - A - N53745100   796,010 8,372 SH   SOLE   1,180 0 7,192
M&T Bank Corp COM 55261F104   9,184 67 SH   SOLE   67 0 0
MARATHON OIL CORP COM 565849106   14,520 601 SH   SOLE   601 0 0
MARSH & MCLENNAN COM 571748102   195,912 1,034 SH   SOLE   1,034 0 0
MASTERCARD INC CL A 57636Q104   3,071,299 7,201 SH   SOLE   2,079 0 5,122
MCCORMICK & CO INC COM NON VTG 579780206   17,105 250 SH   SOLE   250 0 0
MCDONALD'S CORP COM 580135101   303,923 1,025 SH   DFND   1,025 0 0
MCDONALD'S CORP COM 580135101   805,914 2,718 SH   SOLE   2,245 0 473
MCKESSON CORP COM 58155Q103   312,512 675 SH   SOLE   675 0 0
MGM MIRAGE INC COM 552953101   135,380 3,030 SH   SOLE   300 0 2,730
MICROSOFT CORP COM 594918104   225,624 600 SH   DFND   600 0 0
MICROSOFT CORP COM 594918104   12,653,746 33,650 SH   SOLE   20,589 0 13,061
MOODYS CORP COM 615369105   132,009 338 SH   SOLE   338 0 0
MORGAN STANLEY COM NEW 617446448   591,392 6,342 SH   SOLE   6,342 0 0
MOTOROLA INC COM NEW 620076307   455,233 1,454 SH   SOLE   1,454 0 0
MSCI Inc COM 55354G100   43,555 77 SH   SOLE   77 0 0
Magna International Inc COM 559222401   56,421 955 SH   SOLE   0 0 955
Marathon Digital Holdings Inc COM 565788106   3,336 142 SH   SOLE   142 0 0
Marathon Petroleum Corp COM UNIT REP LTD 55336V100   1,836 50 SH   SOLE   50 0 0
Marathon Petroleum Corp COM 56585A102   284,109 1,915 SH   SOLE   1,915 0 0
Marriott International Inc/MD CL A 571903202   294,742 1,307 SH   SOLE   1,307 0 0
Marvell Technology Inc COM 573874104   98,607 1,635 SH   SOLE   65 0 1,570
Masterbrand Inc COMMON STOCK 57638P104   149 10 SH   SOLE   10 0 0
Medtronic PLC SHS G5960L103   599,891 7,282 SH   SOLE   2,813 0 4,469
MercadoLibre Inc COM 58733R102   15,715 10 SH   SOLE   10 0 0
Merck & Co Inc COM 58933Y105   327,060 3,000 SH   DFND   3,000 0 0
Merck & Co Inc COM 58933Y105   1,198,348 10,992 SH   SOLE   9,612 0 1,380
MetLife Inc COM 59156R108   100,848 1,525 SH   SOLE   1,525 0 0
Mettler-Toledo International I COM 592688105   7,278 6 SH   SOLE   6 0 0
Microchip Technology Inc COM 595017104   60,511 671 SH   SOLE   671 0 0
Micron Technology Inc COM 595112103   703,031 8,238 SH   SOLE   5,688 0 2,550
MongoDB Inc CL A 60937P106   7,359 18 SH   SOLE   18 0 0
Monster Beverage Corp COM 61174X109   231,477 4,018 SH   SOLE   4,018 0 0
Morningstar Inc COM 617700109   28,624 100 SH   SOLE   100 0 0
Murphy Oil Corp COM 626717102   9,513 223 SH   SOLE   223 0 0
NETFLIX INC COM 64110L106   2,678,814 5,502 SH   SOLE   758 0 4,744
NEXTERA ENERGY COM 65339F101   242,960 4,000 SH   DFND   4,000 0 0
NEXTERA ENERGY COM 65339F101   914,137 15,050 SH   SOLE   12,958 0 2,092
NIKE INC CL B 654106103   1,479,375 13,626 SH   SOLE   5,293 0 8,333
NORTHERN TRUST CORP COM 665859104   25,652 304 SH   SOLE   304 0 0
NORTHROP GRUMMAN COM 666807102   69,753 149 SH   SOLE   149 0 0
NRG Energy Inc COM NEW 629377508   19,026 368 SH   SOLE   368 0 0
NVIDIA Corp COM 67066G104   495,220 1,000 SH   DFND   1,000 0 0
NVIDIA Corp COM 67066G104   5,204,762 10,510 SH   SOLE   10,510 0 0
NXP Semiconductors NV COM N6596X109   1,378 6 SH   SOLE   6 0 0
National Grid PLC SPONSORED ADR NE 636274409   237,965 3,500 SH   DFND   3,500 0 0
National Grid PLC SPONSORED ADR NE 636274409   1,003,804 14,764 SH   SOLE   3,663 0 11,101
New Gold Inc COM 644535106   1,460 1,000 SH   SOLE   1,000 0 0
Newmont Corp COM 651639106   78,807 1,904 SH   SOLE   1,904 0 0
Nice Ltd SPONSORED ADR 653656108   112,923 566 SH   SOLE   0 0 566
Nordson Corp COM 655663102   53,624 203 SH   SOLE   203 0 0
Norfolk Southern Corp COM 655844108   144,665 612 SH   SOLE   612 0 0
Northern Trust Investments Inc MORNSTAR UPSTR 33939L407   12,695 310 SH   SOLE   310 0 0
Northern Trust Investments Inc STOXX GLOBR INF 33939L795   16,746 313 SH   SOLE   313 0 0
Novartis AG SPONSORED ADR 66987V109   90,368 895 SH   SOLE   100 0 795
Novo Holdings A/S ADR 670100205   1,009,982 9,763 SH   SOLE   859 0 8,904
Nucor Corp COM 670346105   299,001 1,718 SH   SOLE   1,718 0 0
O'Reilly Automotive Inc COM 67103H107   121,610 128 SH   SOLE   128 0 0
OMNICOM GROUP INC COM 681919106   2,941 34 SH   SOLE   34 0 0
ON Semiconductor Corp COM 682189105   8,353 100 SH   SOLE   100 0 0
ONEOK Inc COM 682680103   9,269 132 SH   SOLE   132 0 0
OPKO Health Inc COM 68375N103   3,020 2,000 SH   SOLE   2,000 0 0
ORACLE CORP COM 68389X105   622,459 5,904 SH   SOLE   5,904 0 0
Occidental Petroleum Corp COM 674599105   30,989 519 SH   SOLE   455 0 64
Old Dominion Freight Line Inc COM 679580100   11,349 28 SH   SOLE   28 0 0
On Holding AG NAMEN AKT A H5919C104   45,094 1,672 SH   SOLE   1,672 0 0
Organon & Co COMMON STOCK 68622V106   4,326 300 SH   DFND   300 0 0
Organon & Co COMMON STOCK 68622V106   2,870 199 SH   SOLE   199 0 0
Otis Worldwide Corp COM 68902V107   33,551 375 SH   DFND   375 0 0
Otis Worldwide Corp COM 68902V107   131,342 1,468 SH   SOLE   1,468 0 0
Owens Corning COM 690742101   173,429 1,170 SH   SOLE   1,170 0 0
PACCAR INC COM 693718108   35,447 363 SH   SOLE   363 0 0
PARKER-HANNIFIN COM 701094104   51,138 111 SH   SOLE   111 0 0
PEPSICO INC COM 713448108   169,840 1,000 SH   DFND   1,000 0 0
PEPSICO INC COM 713448108   1,218,772 7,176 SH   SOLE   6,703 0 473
PHILIP MORRIS INTL COM 718172109   272,832 2,900 SH   DFND   2,900 0 0
PHILIP MORRIS INTL COM 718172109   1,644,707 17,482 SH   SOLE   6,365 0 11,117
PIONEER NATURAL RESOURCE COM 723787107   109,966 489 SH   SOLE   489 0 0
PNC Financial Services Group I COM 693475105   727,485 4,698 SH   SOLE   783 0 3,915
PPG Industries Inc COM 693506107   5,085 34 SH   SOLE   34 0 0
PPL CORP COM 69351T106   33,875 1,250 SH   DFND   1,250 0 0
PPL CORP COM 69351T106   365,200 13,476 SH   SOLE   2,732 0 10,744
PROGRESSIVE CP(OH) COM 743315103   168,200 1,056 SH   SOLE   1,056 0 0
PRUDENTIAL FINL COM 744320102   45,632 440 SH   SOLE   440 0 0
PULTE HOMES INC COM 745867101   43,456 421 SH   SOLE   421 0 0
Palo Alto Networks Inc COM 697435105   145,671 494 SH   SOLE   494 0 0
Pangaea Logistics Solutions Lt SHS G6891L105   2,060 250 SH   SOLE   250 0 0
PayPal Holdings Inc COM 70450Y103   1,745,456 28,423 SH   SOLE   2,680 0 25,743
Paychex Inc COM 704326107   262,042 2,200 SH   SOLE   519 0 1,681
Penske Automotive Group Inc COM 70959W103   40,128 250 SH   SOLE   250 0 0
Pfizer Inc COM 717081103   1,456,429 50,588 SH   SOLE   33,259 0 17,329
Pfizer Inc CL A 98978V103   1,575,210 7,981 SH   SOLE   2,013 0 5,968
Phillips 66 COM 718546104   156,573 1,176 SH   SOLE   1,176 0 0
Phinia Inc COMMON STOCK 71880K101   1,545 51 SH   SOLE   11 0 40
ProShare Advisors LLC S&P 500 DV ARIST 74348A467   20,944 220 SH   SOLE   220 0 0
Procter & Gamble Co/The COM 742718109   293,080 2,000 SH   DFND   2,000 0 0
Procter & Gamble Co/The COM 742718109   1,840,103 12,557 SH   SOLE   11,861 0 696
Prologis Inc COM 74340W103   152,629 1,145 SH   SOLE   1,145 0 0
Prudential PLC ADR 74435K204   38,771 1,727 SH   SOLE   0 0 1,727
Public Storage COM 74460D109   152,500 500 SH   DFND   500 0 0
QUALCOMM Inc COM 747525103   403,373 2,789 SH   SOLE   2,789 0 0
Quanta Services Inc COM 74762E102   34,096 158 SH   SOLE   158 0 0
REALTY INCOME CORP COM 756109104   43,065 750 SH   DFND   750 0 0
REALTY INCOME CORP COM 756109104   354,224 6,169 SH   SOLE   1,558 0 4,611
REGENERON PHARMACEUTICALS COM 75886F107   23,714 27 SH   SOLE   27 0 0
RELX PLC SPONSORED ADR 759530108   139,326 3,513 SH   SOLE   0 0 3,513
RESTAURANT BRANDS INTERNATIONA COM 76131D103   114,929 1,471 SH   SOLE   0 0 1,471
ROBLOX Corp CL A 771049103   2,880 63 SH   SOLE   63 0 0
ROCKWELL AUTOMATION COM 773903109   11,488 37 SH   SOLE   37 0 0
ROPER INDUSTRIES INC COM 776696106   6,542 12 SH   SOLE   12 0 0
ROYAL CARIBBEAN COM V7780T103   65,781 508 SH   SOLE   508 0 0
RTX Corp COM 75513E101   63,105 750 SH   DFND   750 0 0
RTX Corp COM 75513E101   426,674 5,071 SH   SOLE   5,071 0 0
Regions Financial Corp COM 7591EP100   11,706 604 SH   SOLE   604 0 0
Reliance Steel & Aluminum Co COM 759509102   271,290 970 SH   SOLE   970 0 0
Republic Services Inc COM 760759100   9,565 58 SH   SOLE   58 0 0
ResMed Inc COM 761152107   8,429 49 SH   SOLE   49 0 0
Rio Tinto PLC SPONSORED ADR 767204100   80,417 1,080 SH   SOLE   0 0 1,080
Rithm Capital Corp COM NEW 64828T201   3,257 305 SH   SOLE   305 0 0
Rogers Communications Inc CL B 775109200   46,950 1,003 SH   SOLE   0 0 1,003
Roku Inc COM CL A 77543R102   4,583 50 SH   SOLE   50 0 0
Ross Stores Inc COM 778296103   24,218 175 SH   SOLE   175 0 0
Ryder System Inc COM 783549108   14,383 125 SH   SOLE   125 0 0
S&P Global Inc COM 78409V104   297,351 675 SH   SOLE   431 0 244
SALESFORCE.COM INC COM 79466L302   3,224,254 12,253 SH   SOLE   3,234 0 9,019
SAP SE SPON ADR 803054204   78,377 507 SH   SOLE   507 0 0
SCOTTS MIRACLE-GRO CO/THE CL A 810186106   3,188 50 SH   SOLE   50 0 0
SELECT SECTOR SPDR SBI HEALTHCARE 81369Y209   116,332 853 SH   SOLE   853 0 0
SELECT SECTOR SPDR ENERGY 81369Y506   2,747,269 32,768 SH   SOLE   8,951 0 23,817
SELECT SECTOR SPDR FINANCIAL 81369Y605   304,410 8,096 SH   SOLE   8,096 0 0
SELECT SECTOR SPDR TECHNOLOGY 81369Y803   134,736 700 SH   SOLE   700 0 0
SEMPRA ENERGY COM 816851109   56,645 758 SH   SOLE   758 0 0
SIMON PROP GROUP COM 828806109   24,819 174 SH   SOLE   174 0 0
SOUTHWEST AIRLINES COM 844741108   64,171 2,222 SH   SOLE   2,222 0 0
SPDR DOW JONES IND UT SER 1 78467X109   50,877 135 SH   SOLE   135 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853   560,235 13,282 SH   SOLE   13,282 0 0
SPDR SERIES TRUST DJ REIT ETF 78464A607   95,606 1,003 SH   SOLE   1,003 0 0
SSGA FUNDS MANAGEMENT INC GLB NAT RESRCE 78463X541   27,475 485 SH   SOLE   485 0 0
SSGA FUNDS MANAGEMENT INC PORTFOLIO DEVLPD 78463X889   81,114 2,385 SH   SOLE   2,385 0 0
SSGA Funds Management Inc S&P DIVID ETF 78464A763   72,733 582 SH   SOLE   582 0 0
SSgA Funds Management Inc SPDR MSCI USA GE 78468R747   179,164 1,886 SH   SOLE   1,886 0 0
STARBUCKS CORP COM 855244109   117,996 1,229 SH   SOLE   1,229 0 0
STATE STREET ETF/USA UTSER1 S&PDCRP 78467Y107   7,785,239 15,344 SH   SOLE   15,187 0 157
STERIS PLC SHS USD G8473T100   11,212 51 SH   SOLE   51 0 0
SYNCHRONY FINANCIAL COM 87165B103   26,542 695 SH   SOLE   375 0 320
Sanofi SA SPONSORED ADR 80105N105   248,650 5,000 SH   DFND   5,000 0 0
Sanofi SA SPONSORED ADR 80105N105   435,635 8,760 SH   SOLE   1,843 0 6,917
Schlumberger NV COM STK 806857108   105,745 2,032 SH   SOLE   2,032 0 0
Schwab ETFs/USA US REIT ETF 808524847   249,556 12,050 SH   SOLE   4,945 0 7,105
Sea Ltd SPONSORD ADS 81141R100   3,848 95 SH   SOLE   95 0 0
Seagate Technology Holdings PL ORD SHS G7997R103   57,198 670 SH   SOLE   670 0 0
ServiceNow Inc COM 81762P102   3,614,403 5,116 SH   SOLE   652 0 4,464
Shell PLC SPON ADS 780259305   223,457 3,396 SH   SOLE   1,638 0 1,758
Sherwin-Williams Co/The COM 824348106   52,711 169 SH   SOLE   169 0 0
Skyworks Solutions Inc COM 83088M102   3,822 34 SH   SOLE   34 0 0
Smith & Nephew PLC SPDN ADR NEW 83175M205   55,651 2,040 SH   SOLE   0 0 2,040
Snowflake Inc CL A 833445109   9,154 46 SH   SOLE   46 0 0
Sony Group Corp SPONSORED ADR 835699307   127,169 1,343 SH   SOLE   500 0 843
Southern Co/The COM 842587107   280,480 4,000 SH   DFND   4,000 0 0
Southern Co/The COM 842587107   986,238 14,065 SH   SOLE   5,192 0 8,873
Splunk Inc COM 848637104   21,024 138 SH   SOLE   138 0 0
Starwood Property Trust Inc COM 85571B105   40,569 1,930 SH   SOLE   1,930 0 0
State Street Corp COM 857477103   11,619 150 SH   SOLE   150 0 0
State Street ETF/USA TR UNIT 78462F103   8,904,458 18,734 SH   SOLE   12,099 0 6,635
Steel Dynamics Inc COM 858119100   11,101 94 SH   SOLE   94 0 0
Stryker Corp COM 863667101   23,058 77 SH   SOLE   77 0 0
Sumitomo Mitsui Financial Grou SPONSORED ADR 86562M209   726 75 SH   SOLE   75 0 0
Synopsys Inc COM 871607107   16,992 33 SH   SOLE   33 0 0
Sysco Corp COM 871829107   43,659 597 SH   SOLE   597 0 0
T-MOBILE US INC COM 872590104   148,145 924 SH   SOLE   924 0 0
TC Energy Corp COM 87807B107   613,869 15,704 SH   SOLE   2,368 0 13,336
TE Connectivity Ltd SHS H84989104   76,854 547 SH   SOLE   547 0 0
TEXAS INSTRUMENTS COM 882508104   967,701 5,677 SH   SOLE   5,156 0 521
TJX Cos Inc/The COM 872540109   367,735 3,920 SH   SOLE   3,920 0 0
TORONTO-DOMINION COM NEW 891160509   146,106 2,261 SH   SOLE   2,261 0 0
TRACTOR SUPPLY CO COM 892356106   5,806 27 SH   SOLE   27 0 0
TRAVEL PLUS LEISURE CO COM 894164102   3,909 100 SH   SOLE   100 0 0
TRAVELERS CO INC COM 89417E109   278,115 1,460 SH   SOLE   1,460 0 0
TSMC SPONSORED ADS 874039100   392,600 3,775 SH   SOLE   909 0 2,866
Targa Resources Corp COM 87612G101   39,092 450 SH   SOLE   450 0 0
Target Corp COM 87612E106   150,823 1,059 SH   SOLE   1,059 0 0
Teradyne Inc COM 880770102   54,260 500 SH   SOLE   500 0 0
Tesla Inc COM 88160R101   845,080 3,401 SH   SOLE   3,401 0 0
Textron Inc COM 883203101   15,601 194 SH   SOLE   194 0 0
Thermo Fisher Scientific Inc COM 883556102   1,883,243 3,548 SH   SOLE   1,059 0 2,489
TotalEnergies SE SPONSORED ADS 89151E109   1,328,329 19,714 SH   SOLE   4,480 0 15,234
Trade Desk Inc/The COM CL A 88339J105   34,541 480 SH   SOLE   480 0 0
Trane Technologies PLC SHS G8994E103   1,041,697 4,271 SH   SOLE   3,246 0 1,025
Truist Financial Corp COM 89832Q109   673,864 18,252 SH   SOLE   4,932 0 13,320
Tyson Foods Inc CL A 902494103   5,375 100 SH   SOLE   100 0 0
US Bancorp COM NEW 902973304   737,102 17,031 SH   SOLE   2,707 0 14,324
UTD PARCEL SERV CL B 911312106   196,538 1,250 SH   DFND   1,250 0 0
UTD PARCEL SERV CL B 911312106   689,454 4,385 SH   SOLE   1,900 0 2,485
Uber Technologies Inc COM 90353T100   26,906 437 SH   SOLE   437 0 0
Ulta Beauty Inc COM 90384S303   69,579 142 SH   SOLE   142 0 0
Unilever PLC SPON ADR NEW 904767704   48,480 1,000 SH   DFND   1,000 0 0
Unilever PLC SPON ADR NEW 904767704   449,410 9,270 SH   SOLE   2,171 0 7,099
Union Pacific Corp COM 907818108   216,882 883 SH   SOLE   883 0 0
UnitedHealth Group Inc COM 91324P102   3,486,811 6,623 SH   SOLE   3,402 0 3,221
VANGUARD S&P 500 ETF SHS 922908363   177,341 406 SH   DFND   406 0 0
VANGUARD S&P 500 ETF SHS 922908363   51,474,696 117,845 SH   SOLE   48,345 0 69,500
VANGUARD ETF/USA DIV APP ETF 921908844   617,359 3,623 SH   SOLE   0 0 3,623
VANGUARD ETF/USA FTSE EMR MKT ETF 922042858   1,599,365 38,914 SH   SOLE   22,235 0 16,679
VANGUARD ETF/USA INF TECH ETF 92204A702   242,000 500 SH   SOLE   500 0 0
VANGUARD ETF/USA SHRT TRM CORP BD 92206C409   6,050,566 78,203 SH   SOLE   73,285 0 4,918
VANGUARD ETF/USA SM CP VAL ETF 922908611   1,809,598 10,055 SH   SOLE   5,539 0 4,516
VANGUARD ETF/USA TOTAL STK MKT 922908769   912,111 3,845 SH   SOLE   3,845 0 0
VANGUARD GROUP INC/THE SHORT TERM TREAS 92206C102   908,256 15,571 SH   SOLE   15,571 0 0
VANGUARD WHITEHALL HIGH DIV YLD 921946406   152,263 1,364 SH   DFND   1,364 0 0
VANGUARD WHITEHALL HIGH DIV YLD 921946406   30,140 270 SH   SOLE   270 0 0
VERIZON COMMUN COM 92343V104   245,050 6,500 SH   DFND   6,500 0 0
VERIZON COMMUN COM 92343V104   1,119,803 29,703 SH   SOLE   7,299 0 22,404
VIATRIS INC COM 92556V106   12,725 1,175 SH   SOLE   1,175 0 0
VISA INC COM CL A 92826C839   3,736,023 14,350 SH   SOLE   5,282 0 9,068
Valero Energy Corp COM 91913Y100   373,100 2,870 SH   SOLE   2,359 0 511
Vanguard ETF/USA TOTAL BND MRKT 921937835   4,775,749 64,932 SH   SOLE   60,107 0 4,825
Vanguard ETF/USA VAN FTSE DEV MKT 921943858   2,054,048 42,882 SH   SOLE   10,340 0 32,542
Vanguard ETF/USA ALLWRLD EX US 922042775   95,438 1,700 SH   SOLE   1,700 0 0
Vanguard ETF/USA ENERGY ETF 92204A306   2,854,712 24,341 SH   SOLE   7,514 0 16,827
Vanguard ETF/USA TAX EXEMPT BD 922907746   10,243,795 200,662 SH   SOLE   195,109 0 5,553
Vanguard ETF/USA MCAP VL IDXVIP 922908512   1,812,480 12,499 SH   SOLE   7,106 0 5,393
Vanguard ETF/USA MCAP GR IDXVIP 922908538   175,656 800 SH   SOLE   800 0 0
Vanguard ETF/USA REAL ESTATE ETF 922908553   455,054 5,150 SH   DFND   5,150 0 0
Vanguard ETF/USA REAL ESTATE ETF 922908553   3,925,216 44,423 SH   SOLE   42,538 0 1,885
Vanguard ETF/USA SML CP GRW ETF 922908595   30,463 126 SH   SOLE   126 0 0
Vanguard ETF/USA MID CAP ETF 922908629   5,448,429 23,420 SH   SOLE   14,852 0 8,568
Vanguard ETF/USA GROWTH ETF 922908736   31,088 100 SH   SOLE   100 0 0
Vanguard ETF/USA VALUE ETF 922908744   7,934,264 53,072 SH   SOLE   31,181 0 21,891
Vanguard ETF/USA SMALL CP ETF 922908751   5,007,068 23,471 SH   SOLE   13,970 0 9,501
Vanguard Group Inc/The LARGE CAP ETF 922908637   79,843 366 SH   SOLE   366 0 0
Verisk Analytics Inc COM 92345Y106   21,736 91 SH   SOLE   91 0 0
Vertex Pharmaceuticals Inc COM 92532F100   163,570 402 SH   SOLE   402 0 0
Virgin Galactic Holdings Inc COM 92766K106   835 341 SH   SOLE   341 0 0
Vitesse Energy Inc COMMON STOCK 92852X103   2,189 100 SH   SOLE   100 0 0
Vodafone Group PLC SPONSORED ADR 92857W308   3,532 406 SH   SOLE   406 0 0
Vontier Corp COM 928881101   553 16 SH   SOLE   16 0 0
Voya Financial Inc COM 929089100   201,151 2,757 SH   SOLE   2,567 0 190
WASTE MANAGEMENT COM 94106L109   179,996 1,005 SH   SOLE   1,005 0 0
WEC Energy Group Inc COM 92939U106   7,828 93 SH   SOLE   93 0 0
WELLS FARGO & CO COM 949746101   148,349 3,014 SH   SOLE   3,014 0 0
WELLTOWER INC COM COM 95040Q104   67,628 750 SH   SOLE   750 0 0
Walgreens Boots Alliance Inc COM 931427108   11,253 431 SH   SOLE   431 0 0
Walmart Inc COM 931142103   982,002 6,229 SH   SOLE   6,229 0 0
Walt Disney Co/The COM 254687106   567,653 6,287 SH   SOLE   6,287 0 0
Warner Bros Discovery Inc COM SER A 934423104   4,654 409 SH   SOLE   409 0 0
Waste Connections Inc COM 94106B101   55,081 369 SH   SOLE   369 0 0
Weibo Corp SPONSORED ADR 948596101   29,412 2,686 SH   SOLE   0 0 2,686
Westinghouse Air Brake Technol COM 929740108   6,980 55 SH   SOLE   55 0 0
Weyerhaeuser Co COM NEW 962166104   8,658 249 SH   SOLE   249 0 0
Williams Cos Inc/The COM 969457100   974,091 27,967 SH   SOLE   7,263 0 20,704
Wolfspeed Inc COM 977852102   13,053 300 SH   SOLE   300 0 0
Woodside Energy Group Ltd SPONSORED ADR 980228308   61,224 2,903 SH   SOLE   0 0 2,903
Workday Inc CL A 98138H101   1,108,105 4,014 SH   SOLE   241 0 3,773
XP INC CL A G98239109   56,181 2,155 SH   SOLE   0 0 2,155
Xcel Energy Inc COM 98389B100   339,081 5,477 SH   SOLE   512 0 4,965
Xylem Inc/NY COM 98419M100   26,532 232 SH   SOLE   232 0 0
YETI Holdings Inc COM 98585X104   46,602 900 SH   SOLE   900 0 0
YUM BRANDS INC COM 988498101   352,259 2,696 SH   SOLE   1,816 0 880
Yelp Inc CL A 985817105   24,759 523 SH   SOLE   523 0 0
Zebra Technologies Corp CL A 989207105   6,560 24 SH   SOLE   24 0 0
ZoomInfo Technologies Inc COMMON STOCK 98980F104   1,572 85 SH   SOLE   85 0 0
iShares ETFs/USA CORE US AGGBD ET 464287226   3,835,814 38,648 SH   SOLE   36,999 0 1,649
iShares ETFs/USA MSCI ACWI EX US 464288240   25,775 505 SH   SOLE   505 0 0
iShares ETFs/USA IBONDS 24 TRM HG 46435U184   2,089 90 SH   SOLE   90 0 0
iShares ETFs/USA IBDS DEC28 ETF 46435U515   16,309 650 SH   SOLE   650 0 0
iShares ETFs/USA BROAD USD HIGH 46435U853   3,276,444 90,136 SH   SOLE   83,199 0 6,937
iShares ETFs/USA IBONDS DEC 2032 46436E296   11,948 517 SH   SOLE   517 0 0
iShares ETFs/USA IBONDS DEC 2031 46436E486   9,866 475 SH   SOLE   475 0 0
iShares ETFs/USA ESG SCRND S&P500 46436E569   140,558 3,863 SH   SOLE   3,863 0 0
iShares ETFs/USA IBONDS 29 TRM TS 46436E825   24,503 1,125 SH   SOLE   1,125 0 0
iShares ETFs/USA IBONDS 27 TRM TS 46436E841   29,107 1,300 SH   SOLE   1,300 0 0