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   469,407 4,150 SH   SOLE 0 0 4,150
ABBOTT LABS COM 002824100   225,768 1,996 SH   DFND 1 0 0 1,996
ABBVIE INC COM 00287Y109   5,477,102 30,822 SH   SOLE 0 0 30,822
ABBVIE INC COM 00287Y109   721,107 4,058 SH   DFND 1 0 0 4,058
ADOBE INC COM 00724F101   1,711,862 3,850 SH   SOLE 0 0 3,850
ADOBE INC COM 00724F101   1,036,104 2,330 SH   DFND 1 0 0 2,330
AES CORP COM 00130H105   1,992,495 154,817 SH   SOLE 0 0 154,817
AES CORP COM 00130H105   79,923 6,210 SH   DFND 1 0 0 6,210
AGNICO EAGLE MINES LTD COM 008474108   5,953,071 76,117 SH   SOLE 0 0 76,117
AGNICO EAGLE MINES LTD COM 008474108   2,619,722 33,496 SH   DFND 1 0 0 33,496
ALPHABET INC CAP STK CL A 02079K305   2,693,966 14,231 SH   SOLE 0 0 14,231
ALPHABET INC CAP STK CL A 02079K305   3,438,824 18,166 SH   DFND 1 0 0 18,166
ALPHABET INC CAP STK CL C 02079K107   326,033 1,712 SH   SOLE 0 0 1,712
ALPHABET INC CAP STK CL C 02079K107   3,206,819 16,839 SH   DFND 1 0 0 16,839
AMAZON COM INC COM 023135106   3,170,186 14,450 SH   SOLE 0 0 14,450
AMAZON COM INC COM 023135106   1,697,201 7,736 SH   DFND 1 0 0 7,736
APPLE INC COM 037833100   5,854,220 23,378 SH   SOLE 0 0 23,378
APPLE INC COM 037833100   1,673,056 6,681 SH   DFND 1 0 0 6,681
AUTOZONE INC COM 053332102   1,502,026 469 SH   SOLE 0 0 469
AUTOZONE INC COM 053332102   6,855,482 2,141 SH   DFND 1 0 0 2,141
BANK AMERICA CORP COM 060505104   2,389,715 54,374 SH   SOLE 0 0 54,374
BANK AMERICA CORP COM 060505104   938,992 21,365 SH   DFND 1 0 0 21,365
BERKSHIRE HATHAWAY INC DEL CL A 084670108   680,920 1 SH   DFND 1 0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   209,869 463 SH   SOLE 0 0 463
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   157,741 348 SH   DFND 1 0 0 348
BRISTOL-MYERS SQUIBB CO COM 110122108   3,188,853 56,380 SH   SOLE 0 0 56,380
BRISTOL-MYERS SQUIBB CO COM 110122108   115,722 2,046 SH   DFND 1 0 0 2,046
BROADCOM INC COM 11135F101   13,678,490 59,000 SH   SOLE 0 0 59,000
BROADCOM INC COM 11135F101   13,764,804 59,372 SH   DFND 1 0 0 59,372
CHEVRON CORP NEW COM 166764100   4,881,955 33,706 SH   SOLE 0 0 33,706
CHEVRON CORP NEW COM 166764100   2,898,828 20,014 SH   DFND 1 0 0 20,014
CHUBB LIMITED COM H1467J104   1,378,778 4,990 SH   SOLE 0 0 4,990
CISCO SYS INC COM 17275R102   4,049,933 68,411 SH   SOLE 0 0 68,411
CISCO SYS INC COM 17275R102   158,242 2,673 SH   DFND 1 0 0 2,673
COLGATE PALMOLIVE CO COM 194162103   2,727 30 SH   SOLE 0 0 30
COLGATE PALMOLIVE CO COM 194162103   422,641 4,649 SH   DFND 1 0 0 4,649
COMCAST CORP NEW CL A 20030N101   4,149,842 110,574 SH   SOLE 0 0 110,574
COMCAST CORP NEW CL A 20030N101   357,548 9,527 SH   DFND 1 0 0 9,527
CONSTELLATION BRANDS INC CL A 21036P108   1,438,140 6,507 SH   SOLE 0 0 6,507
CONSTELLATION BRANDS INC CL A 21036P108   1,550,315 7,015 SH   DFND 1 0 0 7,015
COSTCO WHSL CORP NEW COM 22160K105   1,341,575 1,464 SH   SOLE 0 0 1,464
COSTCO WHSL CORP NEW COM 22160K105   5,480,211 5,981 SH   DFND 1 0 0 5,981
CSX CORP COM 126408103   43,565 1,350 SH   SOLE 0 0 1,350
CSX CORP COM 126408103   246,866 7,650 SH   DFND 1 0 0 7,650
CVS HEALTH CORP COM 126650100   2,912,239 64,875 SH   SOLE 0 0 64,875
CVS HEALTH CORP COM 126650100   93,192 2,076 SH   DFND 1 0 0 2,076
DEERE & CO COM 244199105   1,383,707 3,266 SH   SOLE 0 0 3,266
DEERE & CO COM 244199105   2,094,773 4,944 SH   DFND 1 0 0 4,944
DELL TECHNOLOGIES INC CL C 24703L202   3,253,518 28,233 SH   SOLE 0 0 28,233
DELL TECHNOLOGIES INC CL C 24703L202   552,576 4,795 SH   DFND 1 0 0 4,795
DIAMONDBACK ENERGY INC COM 25278X109   1,114,904 6,805 SH   SOLE 0 0 6,805
DIAMONDBACK ENERGY INC COM 25278X109   2,329,499 14,219 SH   DFND 1 0 0 14,219
EATON CORP PLC SHS G29183103   5,794,334 17,460 SH   SOLE 0 0 17,460
EATON CORP PLC SHS G29183103   2,071,201 6,241 SH   DFND 1 0 0 6,241
EDWARDS LIFESCIENCES CORP COM 28176E108   1,510,516 20,404 SH   SOLE 0 0 20,404
EDWARDS LIFESCIENCES CORP COM 28176E108   3,646,570 49,258 SH   DFND 1 0 0 49,258
EXXON MOBIL CORP COM 30231G102   31,733 295 SH   SOLE 0 0 295
EXXON MOBIL CORP COM 30231G102   570,874 5,307 SH   DFND 1 0 0 5,307
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   25,544,805 569,307 SH   SOLE 0 0 569,307
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   4,966,705 110,691 SH   DFND 1 0 0 110,691
FRANKLIN BSP RLTY TR INC COMMON STOCK 35243J101   644,556 51,400 SH   SOLE 0 0 51,400
GE VERNOVA INC COM 36828A101   778,067 2,365 SH   SOLE 0 0 2,365
GE VERNOVA INC COM 36828A101   580,233 1,764 SH   DFND 1 0 0 1,764
HOME DEPOT INC COM 437076102   117,864 303 SH   SOLE 0 0 303
HOME DEPOT INC COM 437076102   556,762 1,431 SH   DFND 1 0 0 1,431
HONEYWELL INTL INC COM 438516106   56,473 250 SH   SOLE 0 0 250
HONEYWELL INTL INC COM 438516106   616,680 2,730 SH   DFND 1 0 0 2,730
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332   298,860 10,200 SH   SOLE 0 0 10,200
ISHARES TR CORE S&P MCP ETF 464287507   7,913 127 SH   SOLE 0 0 127
ISHARES TR CORE S&P MCP ETF 464287507   218,397 3,505 SH   DFND 1 0 0 3,505
ISHARES TR CORE S&P TTL STK 464287150   322,316 2,506 SH   SOLE 0 0 2,506
ISHARES TR MSCI EAFE ETF 464287465   1,022,776 13,527 SH   SOLE 0 0 13,527
ISHARES TR MSCI EAFE ETF 464287465   2,866,526 37,912 SH   DFND 1 0 0 37,912
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   4,188,929 83,528 SH   SOLE 0 0 83,528
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   2,107,654 42,027 SH   DFND 1 0 0 42,027
J P MORGAN EXCHANGE TRADED F SHORT DURA CORE 46641Q274   9,300,307 199,449 SH   SOLE 0 0 199,449
J P MORGAN EXCHANGE TRADED F SHORT DURA CORE 46641Q274   937,310 20,101 SH   DFND 1 0 0 20,101
JOHNSON & JOHNSON COM 478160104   4,723,651 32,663 SH   SOLE 0 0 32,663
JOHNSON & JOHNSON COM 478160104   379,049 2,621 SH   DFND 1 0 0 2,621
JPMORGAN CHASE & CO. COM 46625H100   9,528,871 39,752 SH   SOLE 0 0 39,752
JPMORGAN CHASE & CO. COM 46625H100   3,640,236 15,186 SH   DFND 1 0 0 15,186
KINDER MORGAN INC DEL COM 49456B101   4,627,887 168,901 SH   SOLE 0 0 168,901
KINDER MORGAN INC DEL COM 49456B101   145,850 5,323 SH   DFND 1 0 0 5,323
LOWES COS INC COM 548661107   5,708,287 23,129 SH   SOLE 0 0 23,129
LOWES COS INC COM 548661107   677,219 2,744 SH   DFND 1 0 0 2,744
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100   2,496,140 33,609 SH   SOLE 0 0 33,609
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100   79,840 1,075 SH   DFND 1 0 0 1,075
MAPLEBEAR INC COM 565394103   293,461 7,085 SH   SOLE 0 0 7,085
MARRIOTT INTL INC NEW CL A 571903202   1,515,509 5,433 SH   SOLE 0 0 5,433
MARRIOTT INTL INC NEW CL A 571903202   921,618 3,304 SH   DFND 1 0 0 3,304
MASTERCARD INCORPORATED CL A 57636Q104   311,203 591 SH   SOLE 0 0 591
MASTERCARD INCORPORATED CL A 57636Q104   6,855,415 13,019 SH   DFND 1 0 0 13,019
MCDONALDS CORP COM 580135101   3,520,134 12,143 SH   SOLE 0 0 12,143
MCDONALDS CORP COM 580135101   324,097 1,118 SH   DFND 1 0 0 1,118
MEDTRONIC PLC SHS G5960L103   2,665,356 33,367 SH   SOLE 0 0 33,367
MEDTRONIC PLC SHS G5960L103   106,240 1,330 SH   DFND 1 0 0 1,330
MERCK & CO INC COM 58933Y105   4,265,168 42,875 SH   SOLE 0 0 42,875
MERCK & CO INC COM 58933Y105   340,520 3,423 SH   DFND 1 0 0 3,423
META PLATFORMS INC CL A 30303M102   2,948,539 5,036 SH   SOLE 0 0 5,036
META PLATFORMS INC CL A 30303M102   2,283,489 3,900 SH   DFND 1 0 0 3,900
MICROSOFT CORP COM 594918104   5,760,656 13,667 SH   SOLE 0 0 13,667
MICROSOFT CORP COM 594918104   7,493,849 17,779 SH   DFND 1 0 0 17,779
MONDELEZ INTL INC CL A 609207105   2,508,779 42,002 SH   SOLE 0 0 42,002
MONDELEZ INTL INC CL A 609207105   200,454 3,356 SH   DFND 1 0 0 3,356
MORGAN STANLEY COM NEW 617446448   4,194,271 33,362 SH   SOLE 0 0 33,362
MORGAN STANLEY COM NEW 617446448   169,093 1,345 SH   DFND 1 0 0 1,345
MORGAN STANLEY ETF TRUST EATON VANCE FLTG 61774R833   14,201,823 281,978 SH   SOLE 0 0 281,978
MORGAN STANLEY ETF TRUST EATON VANCE FLTG 61774R833   1,631,574 32,395 SH   DFND 1 0 0 32,395
NORFOLK SOUTHN CORP COM 655844108   294,549 1,255 SH   SOLE 0 0 1,255
NORFOLK SOUTHN CORP COM 655844108   361,203 1,539 SH   DFND 1 0 0 1,539
NOVO-NORDISK A S ADR 670100205   1,263,505 14,689 SH   SOLE 0 0 14,689
NOVO-NORDISK A S ADR 670100205   4,864,947 56,556 SH   DFND 1 0 0 56,556
NVIDIA CORPORATION COM 67066G104   1,037,961 7,729 SH   SOLE 0 0 7,729
NVIDIA CORPORATION COM 67066G104   360,972 2,688 SH   DFND 1 0 0 2,688
NXP SEMICONDUCTORS N V COM N6596X109   69,422 334 SH   SOLE 0 0 334
NXP SEMICONDUCTORS N V COM N6596X109   3,706,797 17,834 SH   DFND 1 0 0 17,834
ORACLE CORP COM 68389X105   371,274 2,228 SH   SOLE 0 0 2,228
ORACLE CORP COM 68389X105   376,606 2,260 SH   DFND 1 0 0 2,260
PALO ALTO NETWORKS INC COM 697435105   961,877 5,286 SH   SOLE 0 0 5,286
PALO ALTO NETWORKS INC COM 697435105   2,840,760 15,612 SH   DFND 1 0 0 15,612
PEPSICO INC COM 713448108   4,162,285 27,373 SH   SOLE 0 0 27,373
PEPSICO INC COM 713448108   1,045,260 6,874 SH   DFND 1 0 0 6,874
PFIZER INC COM 717081103   2,437,152 91,864 SH   SOLE 0 0 91,864
PFIZER INC COM 717081103   113,867 4,292 SH   DFND 1 0 0 4,292
PHILLIPS 66 COM 718546104   4,198,258 36,849 SH   SOLE 0 0 36,849
PHILLIPS 66 COM 718546104   92,055 808 SH   DFND 1 0 0 808
PNC FINL SVCS GROUP INC COM 693475105   4,357,831 22,597 SH   SOLE 0 0 22,597
PNC FINL SVCS GROUP INC COM 693475105   103,753 538 SH   DFND 1 0 0 538
PROCTER AND GAMBLE CO COM 742718109   129,426 772 SH   SOLE 0 0 772
PROCTER AND GAMBLE CO COM 742718109   108,302 646 SH   DFND 1 0 0 646
QUALCOMM INC COM 747525103   5,047,208 32,855 SH   SOLE 0 0 32,855
QUALCOMM INC COM 747525103   588,365 3,830 SH   DFND 1 0 0 3,830
READY CAPITAL CORP COM 75574U101   439,890 64,500 SH   SOLE 0 0 64,500
RPM INTL INC COM 749685103   233,814 1,900 SH   SOLE 0 0 1,900
RTX CORPORATION COM 75513E101   3,826,554 33,067 SH   SOLE 0 0 33,067
RTX CORPORATION COM 75513E101   3,239,350 27,993 SH   DFND 1 0 0 27,993
SALESFORCE INC COM 79466L302   2,061,495 6,166 SH   SOLE 0 0 6,166
SALESFORCE INC COM 79466L302   835,491 2,499 SH   DFND 1 0 0 2,499
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,217,019 53,613 SH   SOLE 0 0 53,613
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   6,106 269 SH   DFND 1 0 0 269
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   13,695,305 501,292 SH   SOLE 0 0 501,292
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   186,951 6,843 SH   DFND 1 0 0 6,843
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   8,949,790 321,126 SH   SOLE 0 0 321,126
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   123,325 4,425 SH   DFND 1 0 0 4,425
SMUCKER J M CO COM NEW 832696405   2,897,477 26,312 SH   SOLE 0 0 26,312
SMUCKER J M CO COM NEW 832696405   99,218 901 SH   DFND 1 0 0 901
SOUTHERN CO COM 842587107   3,797,916 46,136 SH   SOLE 0 0 46,136
SOUTHERN CO COM 842587107   133,770 1,625 SH   DFND 1 0 0 1,625
SPDR GOLD TR GOLD SHS 78463V107   29,056 120 SH   SOLE 0 0 120
SPDR GOLD TR GOLD SHS 78463V107   203,147 839 SH   DFND 1 0 0 839
TARGET CORP COM 87612E106   2,554,091 18,894 SH   SOLE 0 0 18,894
TARGET CORP COM 87612E106   89,084 659 SH   DFND 1 0 0 659
THERMO FISHER SCIENTIFIC INC COM 883556102   2,355,950 4,529 SH   SOLE 0 0 4,529
THERMO FISHER SCIENTIFIC INC COM 883556102   4,639,931 8,919 SH   DFND 1 0 0 8,919
TJX COS INC NEW COM 872540109   1,422,387 11,774 SH   SOLE 0 0 11,774
TJX COS INC NEW COM 872540109   5,913,891 48,952 SH   DFND 1 0 0 48,952
TRANE TECHNOLOGIES PLC SHS G8994E103   3,654,977 9,896 SH   SOLE 0 0 9,896
TRANE TECHNOLOGIES PLC SHS G8994E103   1,459,302 3,951 SH   DFND 1 0 0 3,951
TRAVELERS COMPANIES INC COM 89417E109   5,190,698 21,548 SH   SOLE 0 0 21,548
TRAVELERS COMPANIES INC COM 89417E109   5,200,092 21,587 SH   DFND 1 0 0 21,587
UNION PAC CORP COM 907818108   2,502,283 10,973 SH   SOLE 0 0 10,973
UNION PAC CORP COM 907818108   90,988 399 SH   DFND 1 0 0 399
UNITED PARCEL SERVICE INC CL B 911312106   2,319,483 18,394 SH   SOLE 0 0 18,394
UNITED PARCEL SERVICE INC CL B 911312106   104,411 828 SH   DFND 1 0 0 828
UNITEDHEALTH GROUP INC COM 91324P102   57,162 113 SH   SOLE 0 0 113
UNITEDHEALTH GROUP INC COM 91324P102   2,792,347 5,520 SH   DFND 1 0 0 5,520
VALERO ENERGY CORP COM 91913Y100   452,112 3,688 SH   SOLE 0 0 3,688
VALERO ENERGY CORP COM 91913Y100   646,662 5,275 SH   DFND 1 0 0 5,275
VANECK ETF TRUST GOLD MINERS ETF 92189F106   1,121,878 33,084 SH   SOLE 0 0 33,084
VANECK ETF TRUST GOLD MINERS ETF 92189F106   76,637 2,260 SH   DFND 1 0 0 2,260
VANGUARD INDEX FDS GROWTH ETF 922908736   366,364 893 SH   SOLE 0 0 893
VANGUARD INDEX FDS LARGE CAP ETF 922908637   338,813 1,256 SH   SOLE 0 0 1,256
VANGUARD INDEX FDS MID CAP ETF 922908629   4,540,578 17,191 SH   SOLE 0 0 17,191
VANGUARD INDEX FDS MID CAP ETF 922908629   58,637 222 SH   DFND 1 0 0 222
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,221,009 5,082 SH   SOLE 0 0 5,082
VANGUARD INDEX FDS SMALL CP ETF 922908751   559,852 2,330 SH   DFND 1 0 0 2,330
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   212,483 4,825 SH   SOLE 0 0 4,825
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   121,110 2,750 SH   DFND 1 0 0 2,750
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   337,526 1,724 SH   SOLE 0 0 1,724
VERIZON COMMUNICATIONS INC COM 92343V104   3,669,967 91,772 SH   SOLE 0 0 91,772
VERIZON COMMUNICATIONS INC COM 92343V104   157,281 3,933 SH   DFND 1 0 0 3,933
VERTEX PHARMACEUTICALS INC COM 92532F100   1,329,635 3,302 SH   SOLE 0 0 3,302
VERTEX PHARMACEUTICALS INC COM 92532F100   2,620,772 6,508 SH   DFND 1 0 0 6,508
VERTIV HOLDINGS CO COM CL A 92537N108   680,541 5,990 SH   SOLE 0 0 5,990
VERTIV HOLDINGS CO COM CL A 92537N108   529,423 4,660 SH   DFND 1 0 0 4,660
VISA INC COM CL A 92826C839   2,602,700 8,235 SH   SOLE 0 0 8,235
VISA INC COM CL A 92826C839   1,223,075 3,870 SH   DFND 1 0 0 3,870
ZOETIS INC CL A 98978V103   1,497,579 9,192 SH   SOLE 0 0 9,192
ZOETIS INC CL A 98978V103   553,636 3,398 SH   DFND 1 0 0 3,398