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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AT&T INC COM 00206R102 3,201 111,314 SH   DFND   2,460 0 108,854
ABBVIE INC COM 00287Y109 4,856 45,319 SH   DFND   745 0 44,574
ABERDEEN STD GOLD ETF TR COM 00326A104 4,335 237,155 SH   DFND   3,665 0 233,490
ADOBE SYSTEMS INC COM 00724F101 505 1,009 SH   DFND   0 0 1,009
AIR PRODUCTS& CHEMICALS INC COM 009158106 3,434 12,569 SH   DFND   245 0 12,324
ALPHABET CLASS A COM 02079K305 13,615 7,768 SH   DFND   145 0 7,623
AMAZON.COM INC COM 023135106 16,145 4,957 SH   DFND   87 0 4,870
AVANTIS US SMALL CAP VALUE ETF COM 025072877 5,401 95,017 SH   DFND   2,665 0 92,352
AVANTIS US EQUITY ETF COM 025072885 6,494 103,085 SH   DFND   1,770 0 101,315
AMERICAN ELECTRIC POWER COM 025537101 4,955 59,508 SH   DFND   1,175 0 58,333
AMGEN INC. COM 031162100 6,478 28,175 SH   DFND   515 0 27,660
ANALOG DEVICES COM 032654105 4,755 32,187 SH   DFND   605 0 31,582
APPLE INC COM 037833100 18,846 142,033 SH   DFND   2,330 0 139,703
BANK OF AMERICA CORP COM 060505104 4,563 150,558 SH   DFND   4,890 0 145,668
BLACKROCK INC COM 09247X101 10,102 14,000 SH   DFND   283 0 13,717
BLACKROCK SYS MULTISTRATEGY FUND 09260C307 8,171 809,040 SH   DFND   21,807 0 787,233
BRISTOL-MYERS SQUIBB COM 110122108 4,539 73,173 SH   DFND   1,350 0 71,823
CVS HEALTH CORPORATION COM 126650100 3,571 52,291 SH   DFND   1,000 0 51,291
CHEVRON CORP NEW COM 166764100 4,299 50,910 SH   DFND   1,050 0 49,860
CISCO SYSTEMS INC COM 17275R102 6,539 146,125 SH   DFND   2,840 0 143,285
COCA-COLA COMPANY COM 191216100 5,822 106,168 SH   DFND   2,015 0 104,153
COMCAST CORP CL A (NEW) COM 20030N101 3,965 75,672 SH   DFND   1,485 0 74,187
DANAHER CORP COM 235851102 7,254 32,656 SH   DFND   640 0 32,016
DIGITAL REALTY TRUST INC COM 253868103 4,160 29,821 SH   DFND   565 0 29,256
DIMENSIONAL US CORE EQTY ETF COM 25434V104 18,556 705,854 SH   DFND   30,620 0 675,234
DIMENSIONAL INTL CORE EQTY ETF COM 25434V203 10,179 383,810 SH   DFND   15,300 0 368,510
DISNEY WALT CO (HOLDING CO) COM 254687106 6,713 37,052 SH   DFND   690 0 36,362
FORTIVE CORPORATION COM 34959J108 5,348 75,516 SH   DFND   1,500 0 74,016
HOME DEPOT INC COM 437076102 7,109 26,762 SH   DFND   480 0 26,282
HONEYWELL INTERNATIONAL INC COM 438516106 7,205 33,873 SH   DFND   650 0 33,223
INVESCO QQQ TR COM 46090E103 1,362 4,341 SH   DFND   0 0 4,341
INVESCO NASDAQ NEXT GEN 100 ET COM 46138G631 556 18,000 SH   DFND   0 0 18,000
ISHARES MSCI MIN VOL EMG MKT COM 464286533 220 3,610 SH   DFND   0 0 3,610
ISHARES CORE S&P TTL US STK COM 464287150 373 4,325 SH   DFND   0 0 4,325
ISHARES BARCLAYS TIPS BOND COM 464287176 309 2,418 SH   DFND   0 0 2,418
ISHARES CORE S&P 500 COM 464287200 817 2,177 SH   DFND   0 0 2,177
ISHARES S&P 500 GROWTH COM 464287309 284 4,445 SH   DFND   0 0 4,445
ISHARES EDGE MSCI MIN VOL EAFE COM 46429B689 559 7,610 SH   DFND   0 0 7,610
ISHARES CORE MSCI EAFE COM 46432F842 453 6,550 SH   DFND   0 0 6,550
ISHARES CORE 1-5 YEAR USD BOND COM 46432F859 273 5,279 SH   DFND   0 0 5,279
ISHARES CORE MSCI EMG MKT COM 46434G103 440 7,087 SH   DFND   0 0 7,087
ISHARES GLOBAL REIT ETF COM 46434V647 216 9,025 SH   DFND   0 0 9,025
J.P. MORGAN CHASE& CO COM 46625H100 11,687 91,974 SH   DFND   1,490 0 90,484
MASTERCARD INC-CL A COM 57636Q104 5,859 16,414 SH   DFND   310 0 16,104
MERCK& CO. INC. COM 58933Y105 6,817 83,331 SH   DFND   1,730 0 81,601
MICROSOFT CORP COM 594918104 19,670 88,437 SH   DFND   1,635 0 86,802
MONDELEZ INTERNATIONAL INC COM 609207105 5,527 94,534 SH   DFND   1,750 0 92,784
NVIDIA CORP COM 67066G104 9,573 18,333 SH   DFND   360 0 17,973
PEPSICO INC COM 713448108 5,896 39,759 SH   DFND   675 0 39,084
RADIX MARINE INC COM 750483109 0 20,000 SH   DFND   0 0 20,000
S& P 500 DEPOSITARY RECEIPT COM 78462F103 426 1,140 SH   DFND   0 0 1,140
SPDR GOLD TRUST COM 78463V107 318 1,782 SH   DFND   0 0 1,782
SPDR PORTFOLIO DEVELOPED WORLD COM 78463X889 446 13,205 SH   DFND   0 0 13,205
SPDR MSCI USA FACTORS COM 78468R812 479 4,581 SH   DFND   0 0 4,581
SALESFORCE.COM INC COM 79466L302 224 1,005 SH   DFND   0 0 1,005
SERVICENOW INC COM 81762P102 550 1,000 SH   DFND   0 0 1,000
SIMON PROPERTY GROUP COM 828806109 2,088 24,481 SH   DFND   0 0 24,481
STARBUCKS CORP COM 855244109 4,864 45,464 SH   DFND   860 0 44,604
TRUIST FINANCIAL CORPORATION COM 89832Q109 5,769 120,358 SH   DFND   2,325 0 118,033
UNION PACIFIC CORP COM 907818108 5,709 27,419 SH   DFND   535 0 26,884
UNITEDHEALTH GROUP INC COM 91324P102 6,528 18,616 SH   DFND   355 0 18,261
VEEVA SYSTEMS INC COM 922475108 218 800 SH   DFND   0 0 800
VANGUARD S&P 500 ETF COM 922908363 1,032 3,001 SH   DFND   0 0 3,001
VERIZON COMMUNICATIONS COM 92343V104 5,589 95,133 SH   DFND   1,720 0 93,413
VISA INC. COM 92826C839 11,721 53,587 SH   DFND   1,040 0 52,547