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
ACCENTURE LTD SHS CLASS A G1151C101   16,079,178 52,107 SH   DFND   52,107 0 0
AIR PRODUCTS & CHEMICALS INC COM 009158106   7,951,922 26,548 SH   DFND   26,548 0 0
AON PLC SHS CL A G0403H108   7,393,494 21,418 SH   DFND   21,418 0 0
APPLE INC COM 037833100   23,777,037 122,581 SH   DFND   122,581 0 0
AVANTIS EMERGING MARKETS EQ AVANTIS EMGMKT 025072604   269,050 5,000 SH   DFND   5,000 0 0
BLACKROCK INC COM 09247X101   12,371,406 17,900 SH   DFND   17,900 0 0
CHEVRON CORPORATION COM 166764100   5,997,553 38,116 SH   DFND   38,116 0 0
COCA-COLA CO COM 191216100   6,490,150 107,774 SH   DFND   107,774 0 0
COSTCO WHSL CORP NEW COM COM 22160K105   14,347,827 26,650 SH   DFND   26,650 0 0
CVS HEALTH CORPORATION COM 126650100   9,760,326 141,188 SH   DFND   141,188 0 0
DOLLAR GENERAL CORP COM 256677105   9,349,105 55,066 SH   DFND   55,066 0 0
EATON CORP, PLC SHS G29183103   8,509,144 42,313 SH   DFND   42,313 0 0
HONEYWELL INTERNATIONAL, INC. COM 438516106   11,286,963 54,395 SH   DFND   54,395 0 0
ISHARES 0-5 YEAR TIPS BOND ETF 0-5 YR TIPS ETF 46429B747   220,576 2,260 SH   DFND   2,260 0 0
ISHARES BARCLAYS MBS BOND FUND MBS ETF 464288588   495,424 5,312 SH   DFND   5,312 0 0
ISHARES CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842   722,183 10,699 SH   DFND   10,699 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103   881,305 17,880 SH   DFND   17,880 0 0
ISHARES CORE S&P 500 ETF CORE S&P500 ETF 464287200   543,766 1,220 SH   DFND   1,220 0 0
ISHARES CORE S&P MID-CAP ETF CORE S&P MCP ETF 464287507   418,368 1,600 SH   DFND   1,600 0 0
ISHARES CORE S&P SMALL-CAP ETF CORE S&P SCP ETF 464287804   747,873 7,505 SH   DFND   7,505 0 0
ISHARES FLOATING RATE BOND E FLTG RATE NT ETF 46429B655   292,418 5,754 SH   DFND   5,754 0 0
J.P. MORGAN CHASE & CO COM 46625H100   11,941,933 82,109 SH   DFND   82,109 0 0
JOHNSON & JOHNSON COM 478160104   10,062,126 60,791 SH   DFND   60,791 0 0
LOWES COS INC COM 548661107   13,764,315 60,985 SH   DFND   60,985 0 0
MASTERCARD CLA 57636Q104   17,195,469 43,721 SH   DFND   43,721 0 0
MEDTRONIC PLC SHS G5960L103   10,490,948 119,080 SH   DFND   119,080 0 0
MICROSOFT CORP COM 594918104   18,899,629 55,499 SH   DFND   55,499 0 0
NIKE INC CL B CL B 654106103   7,860,883 71,223 SH   DFND   71,223 0 0
ORACLE SYS CORP COM 68389X105   11,088,351 93,109 SH   DFND   93,109 0 0
PEPSICO INC COM 713448108   14,972,629 80,837 SH   DFND   80,837 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101   15,631,477 159,570 SH   DFND   159,570 0 0
S&P GLOBAL INC COM 78409V104   10,459,220 26,090 SH   DFND   26,090 0 0
STARBUCKS CORP COM 855244109   7,139,056 72,068 SH   DFND   72,068 0 0
TEXAS INSTRUMENTS INC COM 882508104   7,826,009 43,473 SH   DFND   43,473 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   6,778,576 12,992 SH   DFND   12,992 0 0
TJX COS INC NEW COM 872540109   11,099,265 130,903 SH   DFND   130,903 0 0
UNITED PARCEL SVC INC CL B CL B 911312106   7,452,498 41,576 SH   DFND   41,576 0 0
UNITEDHEALTH GROUP INC COM 91324P102   14,373,059 29,904 SH   DFND   29,904 0 0
VANGUARD FTSE EUROPE ETF FTSE EUROPE ETF 922042874   202,993 3,290 SH   DFND   3,290 0 0
VANGUARD FTSE PACIFIC ETF FTSE PACIFIC ETF 922042866   315,134 4,520 SH   DFND   4,520 0 0