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
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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 Com 002824100   283,022 2,795 SH   SOLE 0 2,795 0 0
Abbvie Inc Com 00287Y109   9,427,692 59,156 SH   SOLE 0 59,156 0 0
Abbvie Inc Com 00287Y109   9,562 60 SH   DFND 0 60 0 0
Alliant Energy Corp Com 018802108   203,721 3,815 SH   SOLE 0 3,815 0 0
Alphabet Inc Class A Com 02079K305   5,212,433 50,250 SH   SOLE 0 50,250 0 0
Alphabet Inc Class A Com 02079K305   4,149 40 SH   DFND 0 40 0 0
Amazon Inc Com 023135106   4,877,560 47,222 SH   SOLE 0 47,222 0 0
Amazon Inc Com 023135106   10,329 100 SH   DFND 0 100 0 0
American Tower Corp REIT Com 03027X100   3,400,422 16,641 SH   SOLE 0 16,641 0 0
American Tower Corp REIT Com 03027X100   7,356 36 SH   DFND 0 36 0 0
Amgen Inc Com 031162100   2,989,239 12,365 SH   SOLE 0 12,365 0 0
Apple Inc Com 037833100   13,967,525 84,703 SH   SOLE 0 84,703 0 0
Apple Inc Com 037833100   6,596 40 SH   DFND 0 40 0 0
Archer-Daniels-Midland Co Com 039483102   254,115 3,190 SH   SOLE 0 3,190 0 0
Bank of America Corp Com 060505104   279,422 9,770 SH   SOLE 0 9,770 0 0
Berkshire Hathaway Inc Cl A Com 084670108   3,259,200 7 SH   SOLE 0 7 0 0
Berkshire Hathaway Inc Cl B Com 084670702   5,907,388 19,132 SH   SOLE 0 19,082 0 50
BlackRock Inc Com 09247X101   2,369,354 3,541 SH   SOLE 0 3,541 0 0
BlackRock Enhanced Equity Dividend Trust Com 09251A104   160,350 18,667 SH   SOLE 0 18,667 0 0
Boeing Co Com 097023105   351,572 1,655 SH   SOLE 0 1,655 0 0
Bristol-Myers Squibb Corp Com 110122108   4,156,313 59,967 SH   SOLE 0 59,967 0 0
CVS Health Corporation Com 126650100   4,260,192 57,330 SH   SOLE 0 57,330 0 0
CVS Health Corporation Com 126650100   6,391 86 SH   DFND 0 86 0 0
Cardinal Health Inc Com 14149Y108   2,580,892 34,184 SH   SOLE 0 34,184 0 0
Cardinal Health Inc Com 14149Y108   4,606 61 SH   DFND 0 61 0 0
Caterpillar Inc Com 149123101   3,424,819 14,966 SH   SOLE 0 14,966 0 0
Chemed Corp Com 16359R103   564,638 1,050 SH   SOLE 0 1,050 0 0
Chevron Corp Com 166764100   9,161,108 56,148 SH   SOLE 0 56,148 0 0
Chevron Corp Com 166764100   4,895 30 SH   DFND 0 30 0 0
Cisco Systems Inc Com 17275R102   8,776,973 167,900 SH   SOLE 0 167,900 0 0
Cognizant Technology Solutions Cl A Com 192446102   2,512,388 41,234 SH   SOLE 0 41,234 0 0
Cognizant Technology Solutions Cl A Com 192446102   4,265 70 SH   DFND 0 70 0 0
Comcast Corp New Cl A Com 20030N101   3,061,839 80,766 SH   SOLE 0 80,766 0 0
ConocoPhillips Com 20825C104   1,382,095 13,931 SH   SOLE 0 13,931 0 0
Consolidated Edison Inc Com 209115104   332,549 3,476 SH   SOLE 0 3,476 0 0
Digital Realty Trust Inc Com 253868103   1,873,592 19,058 SH   SOLE 0 19,058 0 0
Digital Realty Trust Inc Com 253868103   9,831 100 SH   DFND 0 100 0 0
Walt Disney Company Com 254687106   2,484,526 24,813 SH   SOLE 0 24,813 0 0
Walt Disney Company Com 254687106   3,004 30 SH   DFND 0 30 0 0
Dollar Tree Inc Com 256746108   3,786,849 26,380 SH   SOLE 0 26,380 0 0
Dow Inc Com 260557103   2,259,187 41,211 SH   SOLE 0 41,211 0 0
Dow Inc Com 260557103   2,193 40 SH   DFND 0 40 0 0
Duke Energy Corp Com 26441C204   2,422,265 25,109 SH   SOLE 0 25,109 0 0
Duke Energy Corp Com 26441C204   12,541 130 SH   DFND 0 130 0 0
Du Pont De Nemours Inc Com 26614N102   2,314,224 32,245 SH   SOLE 0 32,245 0 0
EOG Resources Inc Com 26875P101   3,343,299 29,166 SH   SOLE 0 29,166 0 0
EOG Resources Inc Com 26875P101   4,585 40 SH   DFND 0 40 0 0
Ecolab Inc Com 278865100   329,074 1,988 SH   SOLE 0 1,988 0 0
Ecolab Inc Com 278865100   3,311 20 SH   DFND 0 20 0 0
Emerson Electric Co Com 291011104   7,377,360 84,661 SH   SOLE 0 84,661 0 0
Emerson Electric Co Com 291011104   8,714 100 SH   DFND 0 100 0 0
Exelon Corp Com 30161N101   2,256,949 53,878 SH   SOLE 0 53,878 0 0
Exxon Mobil Corp Com 30231G102   6,506,018 59,329 SH   SOLE 0 59,329 0 0
Meta Platforms Inc Com 30303M102   3,858,368 18,205 SH   SOLE 0 18,205 0 0
Meta Platforms Inc Com 30303M102   2,119 10 SH   DFND 0 10 0 0
Freeport-McMoran, Inc Com 35671D857   2,046,277 50,019 SH   SOLE 0 50,019 0 0
Gilead Sciences Inc Com 375558103   3,316,560 39,973 SH   SOLE 0 39,973 0 0
The Hershey Company Com 427866108   569,115 2,237 SH   SOLE 0 2,237 0 0
Home Depot Inc Com 437076102   610,308 2,068 SH   SOLE 0 2,068 0 0
Honeywell Intl Inc Com 438516106   1,605,981 8,403 SH   SOLE 0 8,403 0 0
Illinois Tool Works Inc Com 452308109   247,589 1,017 SH   SOLE 0 1,017 0 0
ING Groep NV ADR Com 456837103   671,735 56,591 SH   SOLE 0 56,591 0 0
Intercontinental Exchange Inc Com 45866F104   3,751,416 35,971 SH   SOLE 0 35,971 0 0
Intercontinental Exchange Inc Com 45866F104   3,129 30 SH   DFND 0 30 0 0
IBM Corp Com 459200101   3,553,588 27,108 SH   SOLE 0 27,108 0 0
Invesco QQQ Trust Com 46090E103   939,362 2,927 SH   SOLE 0 2,927 0 0
Invesco Preferred ETF Com 46138E511   15,916,216 1,386,430 SH   SOLE 0 1,383,176 3,254 0
Invesco Preferred ETF Com 46138E511   66,791 5,818 SH   DFND 0 5,818 0 0
Invesco BulletShares 2027 Corporate Bond ETF Com 46138J783   274,092 14,198 SH   SOLE 0 14,198 0 0
Invesco BulletShares 2026 Corporate Bond ETF Com 46138J791   303,514 15,841 SH   SOLE 0 15,841 0 0
Invesco BulletShares 2025 Corporate Bond ETF Com 46138J825   388,504 19,157 SH   SOLE 0 19,157 0 0
Invesco BulletShares 2024 Corporate Bond ETF Com 46138J841   385,342 18,715 SH   SOLE 0 18,715 0 0
iShares Core S&P 500 ETF Com 464287200   1,004,268 2,443 SH   SOLE 0 2,443 0 0
iShares Core U.S. Agg Bond ETF Com 464287226   2,965,486 29,762 SH   SOLE 0 29,762 0 0
iShares Core S&P Mid-Cap 400 Index ETF Com 464287507   16,701,682 66,764 SH   SOLE 0 66,764 0 0
iShares Core S&P Small-Cap 600 ETF Com 464287804   9,204,776 95,189 SH   SOLE 0 95,189 0 0
Ishares Dow Jones US Health Care Prov Index Com 464288828   494,420 2,000 SH   SOLE 0 2,000 0 0
iShares Tr MSCI USA Minimum Volatility ETF Com 46429B697   1,120,341 15,402 SH   SOLE 0 15,402 0 0
iShares Core MSCI EAFE ETF Com 46432F842   17,953,570 268,565 SH   SOLE 0 268,565 0 0
iShares Core MSCI Emerging Mkts ETF Com 46434G103   7,704,868 157,919 SH   SOLE 0 157,919 0 0
iShares iBonds 2028 Term Corp ETF Com 46435U515   361,605 14,499 SH   SOLE 0 14,499 0 0
JP Morgan Chase & Co Com 46625H100   10,210,049 78,352 SH   SOLE 0 78,352 0 0
JP Morgan Chase & Co Com 46625H100   5,212 40 SH   DFND 0 40 0 0
Johnson & Johnson Com 478160104   6,028,570 38,894 SH   SOLE 0 38,894 0 0
Estee Lauder Companies Inc Com 518439104   1,299,091 5,271 SH   SOLE 0 5,271 0 0
Eli Lilly & Co Com 532457108   388,065 1,130 SH   SOLE 0 1,130 0 0
Lowes Companies Inc Com 548661107   3,036,544 15,185 SH   SOLE 0 15,185 0 0
Masco Corp Com 574599106   3,659,839 73,609 SH   SOLE 0 73,609 0 0
McDonalds Corp Com 580135101   3,729,159 13,337 SH   SOLE 0 13,337 0 0
McDonalds Corp Com 580135101   8,388 30 SH   DFND 0 30 0 0
Merck & Co Inc Com 58933Y105   3,505,019 32,945 SH   SOLE 0 32,945 0 0
MetLife Inc Com 59156R108   3,305,245 57,046 SH   SOLE 0 57,046 0 0
Microsoft Corp Com 594918104   13,550,100 47,000 SH   SOLE 0 47,000 0 0
Mondelez International Inc Com 609207105   2,472,132 35,458 SH   SOLE 0 35,458 0 0
Morgan Stanley Com 617446448   5,787,688 65,919 SH   SOLE 0 65,919 0 0
Nike Inc Class B Com 654106103   1,509,208 12,306 SH   SOLE 0 12,306 0 0
Omnicom Group Com 681919106   2,266,519 24,025 SH   SOLE 0 24,025 0 0
Oracle Corp Com 68389X105   4,882,296 52,543 SH   SOLE 0 52,543 0 0
Otter Tail Corporation Com 689648103   491,147 6,796 SH   SOLE 0 6,796 0 0
Pepsico Inc Com 713448108   8,292,462 45,488 SH   SOLE 0 45,488 0 0
Pfizer Inc Com 717081103   7,894,474 193,492 SH   SOLE 0 193,492 0 0
Pfizer Inc Com 717081103   6,569 161 SH   DFND 0 161 0 0
Principal Financial Group Com 74251V102   3,051,728 41,062 SH   SOLE 0 41,062 0 0
Procter & Gamble Co Com 742718109   7,743,180 52,076 SH   SOLE 0 52,076 0 0
Procter & Gamble Co Com 742718109   14,869 100 SH   DFND 0 100 0 0
Prudential Financial Com 744320102   5,405,983 65,337 SH   SOLE 0 65,337 0 0
Prudential Financial Com 744320102   2,482 30 SH   DFND 0 30 0 0
QUALCOMM Inc Com 747525103   2,575,457 20,187 SH   SOLE 0 20,187 0 0
QUALCOMM Inc Com 747525103   11,482 90 SH   DFND 0 90 0 0
SPDR S&P 500 ETF Com 78462F103   5,394,123 13,176 SH   SOLE 0 13,176 0 0
SPDR Gold Shares Com 78463V107   266,952 1,457 SH   SOLE 0 1,457 0 0
SPDR MSCI ACWI ex-US ETF Com 78463X848   1,427,681 55,487 SH   SOLE 0 55,487 0 0
SPDR S&P 500 Growth ETF Com 78464A409   2,064,098 37,285 SH   SOLE 0 37,285 0 0
SPDR S&P 500 Value ETF Com 78464A508   301,328 7,400 SH   SOLE 0 7,400 0 0
SPDR Dow Jones Industrial Average Com 78467X109   4,946,059 14,870 SH   SOLE 0 14,870 0 0
SPDR Portfolio High Yield Bond ETF Com 78468R606   2,079,759 90,503 SH   SOLE 0 90,503 0 0
SPDR SSGA US Low Volatility Index ETF Com 78468R804   563,342 4,118 SH   SOLE 0 4,118 0 0
Salesforce Inc Com 79466L302   4,828,483 24,169 SH   SOLE 0 24,169 0 0
Salesforce Inc Com 79466L302   9,989 50 SH   DFND 0 50 0 0
Health Care Select Sector SPDR ETF Com 81369Y209   258,920 2,000 SH   SOLE 0 2,000 0 0
Energy Select Sector SPDR ETF Com 81369Y506   267,955 3,235 SH   SOLE 0 3,235 0 0
Skyworks Solutions Com 83088M102   2,510,378 21,278 SH   SOLE 0 21,278 0 0
Sprott Physical Silver Trust Com 85207K107   542,100 65,000 SH   SOLE 0 65,000 0 0
Starbucks Corporation Com 855244109   3,379,123 32,451 SH   SOLE 0 32,451 0 0
Starbucks Corporation Com 855244109   2,083 20 SH   DFND 0 20 0 0
Sysco Corp Com 871829107   3,203,269 41,477 SH   SOLE 0 41,477 0 0
Target Corp Com 87612E106   1,826,402 11,027 SH   SOLE 0 11,027 0 0
Truist Financial Corp Com 89832Q109   2,159,348 63,324 SH   SOLE 0 63,324 0 0
United Parcel Service Com 911312106   15,793,114 81,412 SH   SOLE 0 70,512 0 10,900
United Parcel Service Com 911312106   19,399 100 SH   DFND 0 100 0 0
Vanguard Dividend Appreciation ETF Com 921908844   202,523 1,315 SH   SOLE 0 1,315 0 0
Vanguard Russell 2000 Index Fund Instl Com 92206C656   5,200,903 18,843 SH   SOLE 0 18,832 12 0
Vanguard Russell 2000 Index Fund Instl Com 92206C656   1,716 6 SH   DFND 0 6 0 0
Vanguard Total Stock Market Com 922908769   205,733 1,008 SH   SOLE 0 1,008 0 0
Paramount Global Class B Com 92556H206   2,036,613 91,287 SH   SOLE 0 91,287 0 0
Visa Inc Com 92826C839   4,318,461 19,154 SH   SOLE 0 19,154 0 0
Visa Inc Com 92826C839   5,637 25 SH   DFND 0 25 0 0
Wal-Mart Stores Inc Com 931142103   453,409 3,075 SH   SOLE 0 3,075 0 0
Wells Fargo & Co Com 949746101   442,093 11,827 SH   SOLE 0 11,827 0 0
Yum Brands Inc Com 988498101   2,666,431 20,188 SH   SOLE 0 20,188 0 0
Eaton Corp PLC Com G29183103   4,121,755 24,056 SH   SOLE 0 24,056 0 0
Eaton Corp PLC Com G29183103   16,277 95 SH   DFND 0 95 0 0
Linde Plc Com G54950103   2,108,115 5,931 SH   SOLE 0 5,931 0 0