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
ALERIAN MLP ETF Com 00162Q452 218 5,990 SH   SOLE 0 5,990 0 0
API GROUP CORP Com 00187Y100 418 20,000 SH   SOLE 0 20,000 0 0
AT&T INC Com 00206R102 552 19,164 SH   SOLE 0 19,164 0 0
AT&T INC Com 00206R102 58 2,000 SH   DFND 0 2,000 0 0
ARKK INNOVATION ETF Com 00214Q104 328 2,510 SH   SOLE 0 2,510 0 0
ABBVIE INC Com 00287Y109 4,946 43,911 SH   SOLE 0 43,911 0 0
ABBVIE INC Com 00287Y109 627 5,564 SH   DFND 0 5,564 0 0
ADOBE SYSTEMS INC Com 00724F101 1,354 2,312 SH   SOLE 0 2,312 0 0
ALEXION PHARMACEUTICALS INC COM Com 015351109 32 173 SH   SOLE 0 173 0 0
ALEXION PHARMACEUTICALS INC COM Com 015351109 334 1,818 SH   DFND 0 1,818 0 0
ALPHABET INC-CL C Com 02079K107 2,368 945 SH   SOLE 0 945 0 0
ALPHABET INC-CL A Com 02079K305 4,434 1,816 SH   SOLE 0 1,816 0 0
ALPHABET INC-CL A Com 02079K305 195 80 SH   DFND 0 80 0 0
ALTRIA GROUP INC Com 02209S103 410 8,590 SH   SOLE 0 8,590 0 0
ALTRIA GROUP INC Com 02209S103 92 1,935 SH   DFND 0 1,935 0 0
AMERIPRISE FINANCIAL INC Com 03076C106 953 3,831 SH   SOLE 0 3,831 0 0
AMERIPRISE FINANCIAL INC Com 03076C106 174 700 SH   DFND 0 700 0 0
ARTISAN PARTNERS ASSET MGMT IN Com 04316A108 765 15,050 SH   SOLE 0 15,050 0 0
AVALARA INC Com 05338G106 271 1,672 SH   SOLE 0 1,672 0 0
Bank of America Pfd Stk 060505EH3 55 50,000 SH   SOLE 0 50,000 0 0
Bank of America Pfd Stk 060505EH3 221 200,000 SH   DFND 0 200,000 0 0
Bank Amer Corp Pfd Stk 060505EU4 116 100,000 SH   DFND 0 100,000 0 0
BLACKROCK INC Com 09247X101 1,043 1,192 SH   SOLE 0 1,192 0 0
BLACKROCK INC Com 09247X101 25 29 SH   DFND 0 29 0 0
BLACKSTONE GROUP INC CL A Com 09260D107 177 1,819 SH   SOLE 0 1,819 0 0
BLACKSTONE GROUP INC CL A Com 09260D107 141 1,450 SH   DFND 0 1,450 0 0
BOTTOMLINE TECH DEL INC Com 101388106 519 14,000 SH   SOLE 0 14,000 0 0
BRIGHTVIEW HLDGS INC Com 10948C107 435 27,000 SH   SOLE 0 27,000 0 0
BRISTOL-MYERS SQUIBB CO Com 110122108 743 11,122 SH   SOLE 0 11,122 0 0
BRISTOL-MYERS SQUIBB CO Com 110122108 605 9,055 SH   DFND 0 9,055 0 0
BROADCOM INC Com 11135F101 267 559 SH   SOLE 0 559 0 0
CF INDUSTRIES HOLDINGS INC Com 125269100 489 9,495 SH   SOLE 0 9,495 0 0
CF INDUSTRIES HOLDINGS INC Com 125269100 164 3,190 SH   DFND 0 3,190 0 0
CVS HEALTH CORP Com 126650100 1,346 16,137 SH   SOLE 0 16,137 0 0
CVS HEALTH CORP Com 126650100 131 1,575 SH   DFND 0 1,575 0 0
CAPITAL ONE FINANCIAL CORP Com 14040H105 890 5,754 SH   SOLE 0 5,754 0 0
CAPITAL ONE FINANCIAL CORP Com 14040H105 155 1,000 SH   DFND 0 1,000 0 0
CARLISLE COS INC Com 142339100 1,086 5,675 SH   SOLE 0 5,675 0 0
CARRIER GLOBAL CORPORATION Com 14448C104 1,316 27,085 SH   SOLE 0 27,085 0 0
CARRIER GLOBAL CORPORATION Com 14448C104 42 870 SH   DFND 0 870 0 0
CATALENT INC Com 148806102 650 6,008 SH   SOLE 0 6,008 0 0
CATERPILLAR INC Com 149123101 673 3,091 SH   SOLE 0 3,091 0 0
CATERPILLAR INC Com 149123101 98 450 SH   DFND 0 450 0 0
CERENCE INC Com 156727109 795 7,450 SH   SOLE 0 7,450 0 0
CHEVRON CORP Com 166764100 3,491 33,327 SH   SOLE 0 33,327 0 0
CHEVRON CORP Com 166764100 236 2,255 SH   DFND 0 2,255 0 0
CISCO SYSTEMS INC Com 17275R102 2,352 44,378 SH   SOLE 0 44,378 0 0
CISCO SYSTEMS INC Com 17275R102 265 5,000 SH   DFND 0 5,000 0 0
CITIGROUP INC Com 172967424 732 10,346 SH   SOLE 0 10,346 0 0
CITIGROUP INC Com 172967424 12 165 SH   DFND 0 165 0 0
CLOROX COMPANY Com 189054109 367 2,040 SH   SOLE 0 2,040 0 0
COCA-COLA CO/THE Com 191216100 6,734 124,458 SH   SOLE 0 124,458 0 0
COCA-COLA CO/THE Com 191216100 38 696 SH   DFND 0 696 0 0
COGNIZANT TECH SOLUTIONS-A Com 192446102 25 366 SH   SOLE 0 366 0 0
COGNIZANT TECH SOLUTIONS-A Com 192446102 277 4,000 SH   DFND 0 4,000 0 0
COMCAST CORP-CLASS A Com 20030N101 408 7,162 SH   SOLE 0 7,162 0 0
COMCAST CORP-CLASS A Com 20030N101 39 676 SH   DFND 0 676 0 0
COMPASS MINERALS INTL INC Com 20451N101 521 8,800 SH   SOLE 0 8,800 0 0
CONOCOPHILLIPS Com 20825C104 761 12,502 SH   SOLE 0 12,502 0 0
CONOCOPHILLIPS Com 20825C104 114 1,875 SH   DFND 0 1,875 0 0
COSTCO WHOLESALE CORP Com 22160K105 4,670 11,802 SH   SOLE 0 11,802 0 0
CUMMINS INC Com 231021106 2,722 11,165 SH   SOLE 0 11,165 0 0
CUMMINS INC Com 231021106 110 450 SH   DFND 0 450 0 0
DTE ENERGY COMPANY Com 233331107 476 3,675 SH   SOLE 0 3,675 0 0
DTE ENERGY COMPANY Com 233331107 117 900 SH   DFND 0 900 0 0
DANAHER CORP Com 235851102 1,473 5,488 SH   SOLE 0 5,488 0 0
DANAHER CORP Com 235851102 398 1,482 SH   DFND 0 1,482 0 0
DEERE & CO Com 244199105 235 665 SH   SOLE 0 665 0 0
WALT DISNEY CO/THE Com 254687106 4,544 25,854 SH   SOLE 0 25,854 0 0
WALT DISNEY CO/THE Com 254687106 191 1,085 SH   DFND 0 1,085 0 0
DOUGLAS DYNAMICS INC Com 25960R105 513 12,600 SH   SOLE 0 12,600 0 0
DOW INC COM Com 260557103 216 3,419 SH   SOLE 0 3,419 0 0
DOW INC COM Com 260557103 28 447 SH   DFND 0 447 0 0
DUKE REALTY CORP Com 264411505 333 7,037 SH   SOLE 0 7,037 0 0
ETFMG PRIME CYBER SECURITY ETF Com 26924G201 488 8,040 SH   SOLE 0 8,040 0 0
ECOLAB INC Com 278865100 1,464 7,109 SH   SOLE 0 7,109 0 0
EMERSON ELECTRIC CO Com 291011104 1,003 10,417 SH   SOLE 0 10,417 0 0
EMERSON ELECTRIC CO Com 291011104 234 2,430 SH   DFND 0 2,430 0 0
ENBRIDGE INC Com 29250N105 2,465 61,557 SH   SOLE 0 61,557 0 0
ENBRIDGE INC Com 29250N105 277 6,928 SH   DFND 0 6,928 0 0
EVERCORE PARTNERS INC-CL A Com 29977A105 753 5,350 SH   SOLE 0 5,350 0 0
EXLSERVICE HOLDINGS INC Com 302081104 542 5,100 SH   SOLE 0 5,100 0 0
EXXON MOBIL CORP Com 30231G102 2,325 36,860 SH   SOLE 0 36,860 0 0
EXXON MOBIL CORP Com 30231G102 739 11,710 SH   DFND 0 11,710 0 0
FACEBOOK INC-A Com 30303M102 1,411 4,057 SH   SOLE 0 4,057 0 0
FACEBOOK INC-A Com 30303M102 245 706 SH   DFND 0 706 0 0
FEDEX CORP Com 31428X106 965 3,236 SH   SOLE 0 3,236 0 0
FEDEX CORP Com 31428X106 543 1,820 SH   DFND 0 1,820 0 0
FIRST TRUST LOW DURATION OPPORTUNITIES ETF Com 33739Q200 213 4,175 SH   SOLE 0 4,175 0 0
FISERV INC Com 337738108 1,273 11,909 SH   SOLE 0 11,909 0 0
FISERV INC Com 337738108 134 1,250 SH   DFND 0 1,250 0 0
FORD MOTOR CO Com 345370860 383 25,800 SH   SOLE 0 25,800 0 0
FRANKLIN CALIF TAX FREE INCOME Com 352518104 1,224 156,526 SH   SOLE 0 156,526 0 0
FRONTDOOR INC Com 35905A109 496 9,950 SH   SOLE 0 9,950 0 0
GENERAL DYNAMICS CORP Com 369550108 272 1,444 SH   SOLE 0 1,444 0 0
GENERAL MILLS INC Com 370334104 415 6,812 SH   SOLE 0 6,812 0 0
GENERAL MILLS INC Com 370334104 68 1,120 SH   DFND 0 1,120 0 0
GENERAL MOTORS CO Com 37045V100 1,583 26,750 SH   SOLE 0 26,750 0 0
GENTEX CORP Com 371901109 331 10,000 SH   SOLE 0 10,000 0 0
GILEAD SCIENCES INC Com 375558103 425 6,175 SH   SOLE 0 6,175 0 0
GILEAD SCIENCES INC Com 375558103 17 250 SH   DFND 0 250 0 0
GLOBAL X S&P 500 CATHOLIC VALUES ETF Com 37954Y889 320 6,000 SH   SOLE 0 6,000 0 0
GOLDMAN SACHS GROUP INC Com 38141G104 887 2,338 SH   SOLE 0 2,338 0 0
GOLDMAN ACTIVEBETA US LC ETF Com 381430503 820 9,535 SH   SOLE 0 9,535 0 0
WW GRAINGER INC Com 384802104 785 1,792 SH   DFND 0 1,792 0 0
HP INC Com 40434L105 540 17,884 SH   SOLE 0 17,884 0 0
HP INC Com 40434L105 202 6,700 SH   DFND 0 6,700 0 0
HILLENBRAND INC Com 431571108 683 15,500 SH   SOLE 0 15,500 0 0
HOME DEPOT INC Com 437076102 1,076 3,375 SH   SOLE 0 3,375 0 0
HOME DEPOT INC Com 437076102 569 1,785 SH   DFND 0 1,785 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 1,302 5,935 SH   SOLE 0 5,935 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 52 238 SH   DFND 0 238 0 0
HOSTESS BRANDS INC Com 44109J106 461 28,500 SH   SOLE 0 28,500 0 0
ILLINOIS TOOL WORKS Com 452308109 1,043 4,664 SH   SOLE 0 4,664 0 0
INOVALON HLDGS INC Com 45781D101 849 24,900 SH   SOLE 0 24,900 0 0
INTEL CORP Com 458140100 2,194 39,085 SH   SOLE 0 39,085 0 0
INTEL CORP Com 458140100 462 8,224 SH   DFND 0 8,224 0 0
INTL BUSINESS MACHINES CORP Com 459200101 1,455 9,928 SH   SOLE 0 9,928 0 0
INTL BUSINESS MACHINES CORP Com 459200101 379 2,585 SH   DFND 0 2,585 0 0
INVESCO QQQ TRUST Com 46090E103 8,805 24,843 SH   SOLE 0 24,843 0 0
INVESCO QQQ TRUST Com 46090E103 30 85 SH   DFND 0 85 0 0
INVESCO S&P SMALLCAP HEALTH CARE ETF Com 46138E149 1,637 8,447 SH   SOLE 0 8,447 0 0
INVESCO S&P SMALLCAP HEALTH CARE ETF Com 46138E149 31 160 SH   DFND 0 160 0 0
ISHARES GOLD TRUST ISHARES Com 464285204 1,935 57,396 SH   SOLE 0 57,396 0 0
ISHARES GOLD TRUST ISHARES Com 464285204 118 3,500 SH   DFND 0 3,500 0 0
ISHARES CORE S&P US STOCK MARKET ETF Com 464287150 3,000 30,380 SH   SOLE 0 30,380 0 0
ISHARES DJ SELECT DIVIDEND ETF Com 464287168 812 6,959 SH   SOLE 0 6,959 0 0
ISHARES DJ SELECT DIVIDEND ETF Com 464287168 26 220 SH   DFND 0 220 0 0
ISHARES CORE S&P 500 ETF Com 464287200 7,594 17,663 SH   SOLE 0 17,663 0 0
ISHARES MSCI EMERGING MKT ETF Com 464287234 1,178 21,354 SH   SOLE 0 21,354 0 0
ISHARES MSCI EMERGING MKT ETF Com 464287234 79 1,424 SH   DFND 0 1,424 0 0
ISHARES S&P GLOBAL TECHNOLOGY SECTOR Com 464287291 2,603 7,711 SH   SOLE 0 7,711 0 0
ISHARES S&P 500 GROWTH ETF Com 464287309 1,253 17,232 SH   SOLE 0 17,232 0 0
ISHARES S&P 500 VALUE ETF Com 464287408 832 5,635 SH   SOLE 0 5,635 0 0
ISHARES MSCI EAFE ETF Com 464287465 2,372 30,068 SH   SOLE 0 30,068 0 0
ISHARES RUSSELL MIDCAP VALUE ETF Com 464287473 385 3,347 SH   SOLE 0 3,347 0 0
ISHARES RUSSELL MIDCAP ETF Com 464287499 1,765 22,271 SH   SOLE 0 22,271 0 0
ISHARES CORE S&P MID-CAP ETF Com 464287507 11,613 43,216 SH   SOLE 0 43,216 0 0
ISHARES CORE S&P MID-CAP ETF Com 464287507 181 675 SH   DFND 0 675 0 0
ISHARES EXPANDED TECH- SOFTWARE SECTOR ETF Com 464287515 223 573 SH   SOLE 0 573 0 0
ISHARES RUSSELL 1000 VALUE ETF Com 464287598 11,426 72,036 SH   SOLE 0 72,036 0 0
ISHARES RUSSELL 1000 VALUE ETF Com 464287598 157 989 SH   DFND 0 989 0 0
ISHARES S&P MIDCAP 400/GRWTH ETF Com 464287606 887 10,964 SH   SOLE 0 10,964 0 0
ISHARES RUSSELL 1000 GROWTH ETF Com 464287614 31,813 117,184 SH   SOLE 0 117,184 0 0
ISHARES RUSSELL 1000 GROWTH ETF Com 464287614 447 1,646 SH   DFND 0 1,646 0 0
ISHARES RUSSELL 1000 ETF Com 464287622 2,076 8,574 SH   SOLE 0 8,574 0 0
ISHARES RUSSELL 2000 VALUE ETF Com 464287630 318 1,918 SH   SOLE 0 1,918 0 0
ISHARES RUSSELL 2000 GROWTH ETF Com 464287648 5,977 19,177 SH   SOLE 0 19,177 0 0
ISHARES RUSSELL 2000 GROWTH ETF Com 464287648 37 120 SH   DFND 0 120 0 0
ISHARES RUSSELL 2000 ETF Com 464287655 6,680 29,125 SH   SOLE 0 29,125 0 0
ISHARES RUSSELL 2000 ETF Com 464287655 14 59 SH   DFND 0 59 0 0
ISHARES RUSSELL 3000 ETF Com 464287689 274 1,070 SH   SOLE 0 1,070 0 0
ISHARES S&P MIDCAP 400/VALUE ETF Com 464287705 661 6,276 SH   SOLE 0 6,276 0 0
ISHARES DJ US TECHNOLOGY SEC ETF Com 464287721 3,436 34,565 SH   SOLE 0 34,565 0 0
ISHARES DJ US TECHNOLOGY SEC ETF Com 464287721 89 896 SH   DFND 0 896 0 0
ISHARES DOW JONES US ENERGY SECTOR FUND Com 464287796 330 11,359 SH   SOLE 0 11,359 0 0
ISHARES CORE S&P SMALL-CAP ETF Com 464287804 6,816 60,326 SH   SOLE 0 60,326 0 0
ISHARES CORE S&P SMALL-CAP ETF Com 464287804 667 5,900 SH   DFND 0 5,900 0 0
ISHARES S&P SMALLCAP 600/VAL ETF Com 464287879 380 3,600 SH   SOLE 0 3,600 0 0
ISHARES S&P SMALLCAP/600 GROWTH ETF Com 464287887 849 6,400 SH   SOLE 0 6,400 0 0
ISHARES TR GL CLEAN ENERGY ETF Com 464288224 1,552 66,168 SH   SOLE 0 66,168 0 0
ISHARES MSCI ACWI ETF Com 464288257 960 9,485 SH   SOLE 0 9,485 0 0
ISHARES MSCI EAFE SMALL CAP ETF Com 464288273 239 3,219 SH   SOLE 0 3,219 0 0
ISHARES MSCI EAFE SMALL CAP ETF Com 464288273 65 876 SH   DFND 0 876 0 0
ISHARES JPMORGAN USD EMERGING MKTS BOND ETF Com 464288281 1,236 10,987 SH   SOLE 0 10,987 0 0
ISHARES SHORT-TERM CORPORATE BOND ETF Com 464288646 793 14,463 SH   SOLE 0 14,463 0 0
ISHARES S&P PREF STK ETF Com 464288687 7,265 184,690 SH   SOLE 0 184,690 0 0
ISHARES DJ US MEDICAL DEVICE ETF Com 464288810 2,144 5,939 SH   SOLE 0 5,939 0 0
ISHARES TR MSCI EAFE VALUE ETF Com 464288877 339 6,554 SH   SOLE 0 6,554 0 0
ISHARES TR EAFE GROWTH ETF Com 464288885 289 2,696 SH   SOLE 0 2,696 0 0
ISHARES CORE US TREASURY BOND ETF Com 46429B267 15,337 576,561 SH   SOLE 0 576,561 0 0
ISHARES CORE US TREASURY BOND ETF Com 46429B267 304 11,440 SH   DFND 0 11,440 0 0
ISHARES TR MIN VOL USA ETF Com 46429B697 10,179 138,284 SH   SOLE 0 138,284 0 0
ISHARES TR MIN VOL USA ETF Com 46429B697 299 4,060 SH   DFND 0 4,060 0 0
ISHARES SHORT MATURITY BOND ETF Com 46431W507 11,371 226,673 SH   SOLE 0 226,673 0 0
ISHARES SHORT MATURITY BOND ETF Com 46431W507 33 650 SH   DFND 0 650 0 0
ISHARES EDGE MSCI USA QUALITY Com 46432F339 8,494 63,928 SH   SOLE 0 63,928 0 0
ISHARES EDGE MSCI USA VALUE FACTOR ETF Com 46432F388 2,596 24,709 SH   SOLE 0 24,709 0 0
ISHARES EDGE MSCI USA VALUE FACTOR ETF Com 46432F388 87 830 SH   DFND 0 830 0 0
ISHARES EDGE MSCI USA MOMENT Com 46432F396 332 1,913 SH   SOLE 0 1,913 0 0
ISHARES CORE MSCI EAFE ETF Com 46432F842 7,261 96,999 SH   SOLE 0 96,999 0 0
ISHARES CORE MSCI EAFE ETF Com 46432F842 1,137 15,189 SH   DFND 0 15,189 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF Com 46434G103 1,496 22,332 SH   SOLE 0 22,332 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF Com 46434G103 714 10,658 SH   DFND 0 10,658 0 0
ISHARES MSCI EM ESG OPTIMIZED Com 46434G863 1,655 36,658 SH   SOLE 0 36,658 0 0
ISHARES 0-5 YEAR HIGH YIELD CORP BOND ETF Com 46434V407 4,738 102,876 SH   SOLE 0 102,876 0 0
ISHARES CORE TOTAL USD BOND MARKET ETF Com 46434V613 2,336 43,676 SH   SOLE 0 43,676 0 0
ISHA CURR HEDGED MSCI EAFE Com 46434V803 543 15,663 SH   SOLE 0 15,663 0 0
ISHARES MSCI USA ESG OPTIMIZED ETF Com 46435G425 5,744 58,336 SH   SOLE 0 58,336 0 0
ISHARES MSCI USA ESG OPTIMIZED ETF Com 46435G425 69 700 SH   DFND 0 700 0 0
ISHARES FALLEN ANGELS USD BOND ETF Com 46435G474 1,656 55,273 SH   SOLE 0 55,273 0 0
ISHARES FALLEN ANGELS USD BOND ETF Com 46435G474 30 1,000 SH   DFND 0 1,000 0 0
ISHARES MSCI EAFE ESG SELECT ETF Com 46435G516 540 6,834 SH   SOLE 0 6,834 0 0
ISHARES MSCI USA SMALL-CAP ESG OPTIMIZED ETF Com 46435U663 634 15,716 SH   SOLE 0 15,716 0 0
JPMORGAN CHASE & CO Com 46625H100 5,509 35,417 SH   SOLE 0 35,417 0 0
JPMORGAN CHASE & CO Com 46625H100 384 2,470 SH   DFND 0 2,470 0 0
JPMorgan Chase & Co Pfd Stk 46625HJQ4 55 50,000 SH   SOLE 0 50,000 0 0
JPMorgan Chase & Co Pfd Stk 46625HJQ4 222 200,000 SH   DFND 0 200,000 0 0
JPMorgan Chase & Co Pfd Stk 46625HKK5 70 70,000 SH   SOLE 0 70,000 0 0
JACOBS ENGR GROUP INC Com 469814107 739 5,542 SH   SOLE 0 5,542 0 0
JOHNSON & JOHNSON Com 478160104 2,640 16,024 SH   SOLE 0 16,024 0 0
JOHNSON & JOHNSON Com 478160104 1,485 9,015 SH   DFND 0 9,015 0 0
KIMBERLY-CLARK CORP Com 494368103 909 6,795 SH   SOLE 0 6,795 0 0
KIMBERLY-CLARK CORP Com 494368103 203 1,518 SH   DFND 0 1,518 0 0
KNOWLES CORP Com 49926D109 434 22,000 SH   SOLE 0 22,000 0 0
LKQ CORPORATION Com 501889208 572 11,621 SH   SOLE 0 11,621 0 0
LKQ CORPORATION Com 501889208 143 2,900 SH   DFND 0 2,900 0 0
LENDINGTREE INC NEW Com 52603B107 244 1,150 SH   SOLE 0 1,150 0 0
ELI LILLY & CO Com 532457108 2,738 11,928 SH   SOLE 0 11,928 0 0
LOCKHEED MARTIN CORP Com 539830109 149 395 SH   SOLE 0 395 0 0
LOCKHEED MARTIN CORP Com 539830109 74 196 SH   DFND 0 196 0 0
LOWE'S COS INC Com 548661107 760 3,918 SH   SOLE 0 3,918 0 0
LOWE'S COS INC Com 548661107 206 1,060 SH   DFND 0 1,060 0 0
MASTERCARD INC-CLASS A Com 57636Q104 1,001 2,741 SH   SOLE 0 2,741 0 0
MASTERCARD INC-CLASS A Com 57636Q104 172 470 SH   DFND 0 470 0 0
MCDONALD'S CORP Com 580135101 1,424 6,165 SH   SOLE 0 6,165 0 0
MCKESSON CORP Com 58155Q103 650 3,400 SH   SOLE 0 3,400 0 0
MCKESSON CORP Com 58155Q103 153 800 SH   DFND 0 800 0 0
MERCK & CO. INC. Com 58933Y105 859 11,040 SH   SOLE 0 11,040 0 0
MERCK & CO. INC. Com 58933Y105 666 8,560 SH   DFND 0 8,560 0 0
MICROSOFT CORP Com 594918104 10,219 37,722 SH   SOLE 0 37,722 0 0
MICROSOFT CORP Com 594918104 2,925 10,796 SH   DFND 0 10,796 0 0
MICRON TECHNOLOGY INC Com 595112103 547 6,442 SH   SOLE 0 6,442 0 0
MONDELEZ INTERNATIONAL INC-A Com 609207105 393 6,302 SH   SOLE 0 6,302 0 0
MONDELEZ INTERNATIONAL INC-A Com 609207105 144 2,310 SH   DFND 0 2,310 0 0
MOTOROLA SOLUTIONS INC Com 620076307 252 1,162 SH   DFND 0 1,162 0 0
NASDAQ INC Com 631103108 1,456 8,281 SH   SOLE 0 8,281 0 0
NETFLIX INC Com 64110L106 303 573 SH   SOLE 0 573 0 0
NEXTERA ENERGY INC Com 65339F101 2,531 34,537 SH   SOLE 0 34,537 0 0
NEXTERA ENERGY INC Com 65339F101 30 408 SH   DFND 0 408 0 0
NIKE INC -CL B Com 654106103 3,297 21,338 SH   SOLE 0 21,338 0 0
NOVARTIS AG-SPONSORED ADR Com 66987V109 425 4,653 SH   SOLE 0 4,653 0 0
NVIDIA CORP Com 67066G104 9,224 11,529 SH   SOLE 0 11,529 0 0
NVIDIA CORP Com 67066G104 463 579 SH   DFND 0 579 0 0
ORACLE CORP Com 68389X105 1,248 16,031 SH   SOLE 0 16,031 0 0
ORACLE CORP Com 68389X105 9 115 SH   DFND 0 115 0 0
PNC FINANCIAL SERVICES GROUP Com 693475105 237 1,240 SH   SOLE 0 1,240 0 0
PNC FINANCIAL SERVICES GROUP Com 693475105 80 420 SH   DFND 0 420 0 0
PALO ALTO NETWORKS INC Com 697435105 533 1,437 SH   SOLE 0 1,437 0 0
PAYPAL HOLDINGS INC Com 70450Y103 4,424 15,179 SH   SOLE 0 15,179 0 0
PEPSICO INC Com 713448108 1,345 9,075 SH   SOLE 0 9,075 0 0
PEPSICO INC Com 713448108 876 5,913 SH   DFND 0 5,913 0 0
PFIZER INC Com 717081103 2,442 62,357 SH   SOLE 0 62,357 0 0
PFIZER INC Com 717081103 424 10,831 SH   DFND 0 10,831 0 0
PHILIP MORRIS INTERNATIONAL Com 718172109 1,832 18,483 SH   SOLE 0 18,483 0 0
PHILIP MORRIS INTERNATIONAL Com 718172109 197 1,985 SH   DFND 0 1,985 0 0
PIMCO 15 YEAR US TIPS INDEX FUND Com 72201R304 334 3,864 SH   SOLE 0 3,864 0 0
PROCTER & GAMBLE CO/THE Com 742718109 2,534 18,777 SH   SOLE 0 18,777 0 0
PROCTER & GAMBLE CO/THE Com 742718109 629 4,664 SH   DFND 0 4,664 0 0
PUBLIC SERVICE ENTERPRISE GP Com 744573106 532 8,906 SH   SOLE 0 8,906 0 0
PUBLIC SERVICE ENTERPRISE GP Com 744573106 150 2,516 SH   DFND 0 2,516 0 0
QUALCOMM INC Com 747525103 890 6,230 SH   SOLE 0 6,230 0 0
QUALCOMM INC Com 747525103 78 543 SH   DFND 0 543 0 0
QUOTIENT TECHNOLOGY INC Com 749119103 277 25,600 SH   SOLE 0 25,600 0 0
ROPER TECHNOLOGIES INC Com 776696106 544 1,158 SH   SOLE 0 1,158 0 0
ROPER TECHNOLOGIES INC Com 776696106 155 330 SH   DFND 0 330 0 0
ROYCE PENNSYLVANIA MUTUAL FUND Com 780905840 297 24,844 SH   SOLE 0 24,844 0 0
SPDR S&P 500 ETF TRUST Com 78462F103 11,174 26,103 SH   SOLE 0 26,103 0 0
SPDR S&P 500 ETF TRUST Com 78462F103 76 177 SH   DFND 0 177 0 0
SPDR GOLD TRUST Com 78463V107 1,178 7,110 SH   SOLE 0 7,110 0 0
SPDR S&P NORTH AMERICAN NATURAL RESOURCES ETF Com 78463X152 215 5,174 SH   SOLE 0 5,174 0 0
SPDR MSCI ACWI EX-US Com 78463X848 10,563 349,764 SH   SOLE 0 349,764 0 0
SPDR BBG BARC CONVERTIBLE Com 78464A359 12,057 139,014 SH   SOLE 0 139,014 0 0
SPDR BBG BARC CONVERTIBLE Com 78464A359 468 5,400 SH   DFND 0 5,400 0 0
KBW BANK ETF Com 78464A797 408 7,950 SH   SOLE 0 7,950 0 0
KBW BANK ETF Com 78464A797 28 540 SH   DFND 0 540 0 0
SPDR S&P BIOTECH ETF Com 78464A870 950 7,015 SH   SOLE 0 7,015 0 0
SPDR S&P MIDCAP 400 ETF TRUST Com 78467Y107 1,416 2,883 SH   SOLE 0 2,883 0 0
SP PLUS CORP Com 78469C103 324 10,600 SH   SOLE 0 10,600 0 0
SVB FINANCIAL GROUP Com 78486Q101 1,046 1,880 SH   SOLE 0 1,880 0 0
The Charles Schwab Corporation Pfd Stk 808513AP0 61 60,000 SH   SOLE 0 60,000 0 0
MATERIALS SELECT SPDR FUND Com 81369Y100 3,636 44,174 SH   SOLE 0 44,174 0 0
HEALTH CARE SELECT SECTOR SPDR Com 81369Y209 1,764 14,004 SH   SOLE 0 14,004 0 0
HEALTH CARE SELECT SECTOR SPDR Com 81369Y209 82 650 SH   DFND 0 650 0 0
CONSUMER STAPLES SELECT SECTOR SPDR Com 81369Y308 647 9,253 SH   SOLE 0 9,253 0 0
CONSUMER DISCRETIONARY SELT Com 81369Y407 1,611 9,021 SH   SOLE 0 9,021 0 0
TECHNOLOGY SELECT SECT SPDR Com 81369Y803 861 5,834 SH   SOLE 0 5,834 0 0
UTILITIES SELECT SECTOR SPDR Com 81369Y886 2,242 35,465 SH   SOLE 0 35,465 0 0
UTILITIES SELECT SECTOR SPDR Com 81369Y886 18 280 SH   DFND 0 280 0 0
SHUTTERSTOCK INC Com 825690100 1,188 12,100 SH   SOLE 0 12,100 0 0
SOUTHERN CO/THE Com 842587107 423 6,988 SH   SOLE 0 6,988 0 0
SOUTHERN CO/THE Com 842587107 123 2,038 SH   DFND 0 2,038 0 0
STANLEY BLACK & DECKER INC Com 854502101 370 1,806 SH   SOLE 0 1,806 0 0
STANLEY BLACK & DECKER INC Com 854502101 146 710 SH   DFND 0 710 0 0
STARBUCKS CORP Com 855244109 518 4,635 SH   SOLE 0 4,635 0 0
STERICYCLE INC Com 858912108 597 8,350 SH   SOLE 0 8,350 0 0
Alta Properties, Inc. Com 863012544 182 24,544 SH   SOLE 0 24,544 0 0
STRYKER CORP Com 863667101 725 2,790 SH   SOLE 0 2,790 0 0
STRYKER CORP Com 863667101 110 425 SH   DFND 0 425 0 0
TJX COMPANIES INC Com 872540109 328 4,860 SH   SOLE 0 4,860 0 0
TERMINIX GLOBAL HOLDINGS INC Com 88087E100 406 8,500 SH   SOLE 0 8,500 0 0
TEXAS INSTRUMENTS INC Com 882508104 336 1,747 SH   SOLE 0 1,747 0 0
TEXAS INSTRUMENTS INC Com 882508104 135 700 SH   DFND 0 700 0 0
TEXAS PACIFIC LAND CORPORATION Com 88262P102 7,751 4,845 SH   SOLE 0 4,845 0 0
THERMO FISHER SCIENTIFIC INC Com 883556102 3,090 6,126 SH   SOLE 0 6,126 0 0
THERMO FISHER SCIENTIFIC INC Com 883556102 285 564 SH   DFND 0 564 0 0
3M CO Com 88579Y101 3,846 19,361 SH   SOLE 0 19,361 0 0
3M CO Com 88579Y101 630 3,170 SH   DFND 0 3,170 0 0
TOYOTA MOTOR CORP -SPON ADR Com 892331307 450 2,575 SH   SOLE 0 2,575 0 0
TRUIST FINANCIAL CORPORATION Com 89832Q109 462 8,318 SH   SOLE 0 8,318 0 0
TYSON FOODS INC-CL A Com 902494103 73 995 SH   SOLE 0 995 0 0
TYSON FOODS INC-CL A Com 902494103 139 1,885 SH   DFND 0 1,885 0 0
US BANCORP Com 902973304 378 6,636 SH   SOLE 0 6,636 0 0
US BANCORP Com 902973304 47 820 SH   DFND 0 820 0 0
UNION PACIFIC CORP Com 907818108 1,453 6,608 SH   SOLE 0 6,608 0 0
UNION PACIFIC CORP Com 907818108 649 2,949 SH   DFND 0 2,949 0 0
UNITED PARCEL SERVICE-CL B Com 911312106 625 3,003 SH   SOLE 0 3,003 0 0
UNITEDHEALTH GROUP INC Com 91324P102 703 1,755 SH   SOLE 0 1,755 0 0
UNITEDHEALTH GROUP INC Com 91324P102 46 116 SH   DFND 0 116 0 0
VF CORP Com 918204108 633 7,719 SH   SOLE 0 7,719 0 0
VALERO ENERGY CORP Com 91913Y100 772 9,882 SH   SOLE 0 9,882 0 0
VALERO ENERGY CORP Com 91913Y100 155 1,982 SH   DFND 0 1,982 0 0
VANECK VECTORS SEMICONDUCTOR ETF Com 92189F676 1,309 4,990 SH   SOLE 0 4,990 0 0
VANGUARD DIVIDEND APPREC ETF Com 921908844 4,846 31,306 SH   SOLE 0 31,306 0 0
VANGUARD DIVIDEND APPREC ETF Com 921908844 23 150 SH   DFND 0 150 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF Com 921943858 326 6,333 SH   SOLE 0 6,333 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF Com 921943858 175 3,400 SH   DFND 0 3,400 0 0
VANGUARD HIGH DVD YIELD ETF Com 921946406 379 3,615 SH   SOLE 0 3,615 0 0
VANGUARD HIGH DVD YIELD ETF Com 921946406 174 1,657 SH   DFND 0 1,657 0 0
VANGUARD INTL HIGH DIVIDEND YIELD ETF Com 921946794 14 205 SH   SOLE 0 205 0 0
VANGUARD INTL HIGH DIVIDEND YIELD ETF Com 921946794 200 2,938 SH   DFND 0 2,938 0 0
VANGUARD INTL DIVIDEND APPRECIATION ETF Com 921946810 10,435 119,289 SH   SOLE 0 119,289 0 0
VANGUARD INTL DIVIDEND APPRECIATION ETF Com 921946810 28 320 SH   DFND 0 320 0 0
VANGUARD FTSE ALL-WORLD EX-US Com 922042775 1,773 27,975 SH   SOLE 0 27,975 0 0
VANGUARD FTSE EMERGING MARKETS ETF Com 922042858 292 5,384 SH   SOLE 0 5,384 0 0
VANGUARD FTSE EMERGING MARKETS ETF Com 922042858 356 6,552 SH   DFND 0 6,552 0 0
VANGUARD INTL EQUITY INDEX PACIFIC ETF Com 922042866 231 2,806 SH   SOLE 0 2,806 0 0
VANGUARD SHORT TERM GOVERNMENT BOND ETF Com 92206C102 498 8,100 SH   SOLE 0 8,100 0 0
VANGUARD SHORT-TERM CORP BO Com 92206C409 6,380 77,141 SH   SOLE 0 77,141 0 0
VANGUARD SHORT-TERM CORP BO Com 92206C409 145 1,750 SH   DFND 0 1,750 0 0
VANGUARD S&P 500 ETF Com 922908363 815 2,071 SH   SOLE 0 2,071 0 0
VANGUARD REAL ESTATE ETF Com 922908553 1,015 9,968 SH   SOLE 0 9,968 0 0
VANGUARD REAL ESTATE ETF Com 922908553 121 1,191 SH   DFND 0 1,191 0 0
VANGUARD IND FD MID-CAP Com 922908629 610 2,571 SH   SOLE 0 2,571 0 0
VANGUARD EXTENDED MARKET ETF Com 922908652 539 2,859 SH   SOLE 0 2,859 0 0
VANGUARD SMALL-CAP ETF Com 922908751 321 1,424 SH   SOLE 0 1,424 0 0
VERIZON COMMUNICATIONS INC Com 92343V104 4,172 74,455 SH   SOLE 0 74,455 0 0
VERIZON COMMUNICATIONS INC Com 92343V104 190 3,392 SH   DFND 0 3,392 0 0
VERINT SYSTEMS INC Com 92343X100 293 6,500 SH   SOLE 0 6,500 0 0
VISA INC-CLASS A SHARES Com 92826C839 2,793 11,945 SH   SOLE 0 11,945 0 0
WALMART INC Com 931142103 1,439 10,204 SH   SOLE 0 10,204 0 0
WALMART INC Com 931142103 348 2,470 SH   DFND 0 2,470 0 0
WALGREENS BOOTS ALLIANCE INC Com 931427108 717 13,638 SH   SOLE 0 13,638 0 0
WASTE MGMT INC Com 94106L109 565 4,031 SH   SOLE 0 4,031 0 0
WELLS FARGO & CO Com 949746101 546 12,050 SH   SOLE 0 12,050 0 0
WILLSCOT MOBIL MINI HLDNG CORP Com 971378104 479 17,195 SH   SOLE 0 17,195 0 0
WISDOMTREE EMERGING MARKETS Com 97717W315 847 18,542 SH   SOLE 0 18,542 0 0
WISDOMTREE EMERGING MARKETS Com 97717W315 66 1,435 SH   DFND 0 1,435 0 0
WISDOM TREE SMALL CAP DIVIDEND Com 97717W604 378 11,840 SH   SOLE 0 11,840 0 0
WISDOMTREE EM EX-STATE-OWNED ENTERPRISES Com 97717X578 935 22,233 SH   SOLE 0 22,233 0 0
WISDOMTREE EM EX-STATE-OWNED ENTERPRISES Com 97717X578 34 800 SH   DFND 0 800 0 0
WISDOMTREE US QUALITY DIVID Com 97717X669 810 13,570 SH   SOLE 0 13,570 0 0
XILINX INC Com 983919101 262 1,813 SH   SOLE 0 1,813 0 0
XYLEM INC Com 98419M100 611 5,090 SH   SOLE 0 5,090 0 0
ZIMMER BIOMET HOLDINGS INC Com 98956P102 179 1,110 SH   SOLE 0 1,110 0 0
ZIMMER BIOMET HOLDINGS INC Com 98956P102 58 360 SH   DFND 0 360 0 0
ZOETIS INC CL A Com 98978V103 315 1,689 SH   SOLE 0 1,689 0 0
ZOOM VIDEO COMMUNICATIONS INC Com 98980L101 323 835 SH   SOLE 0 835 0 0
ACCENTURE PLC-CL A Com G1151C101 1,295 4,394 SH   SOLE 0 4,394 0 0
ACCENTURE PLC-CL A Com G1151C101 155 527 SH   DFND 0 527 0 0
EATON CORP PLC Com G29183103 720 4,861 SH   SOLE 0 4,861 0 0
EATON CORP PLC Com G29183103 122 820 SH   DFND 0 820 0 0
JOHNSON CONTROLS INTERNATIONAL Com G51502105 3,287 47,900 SH   SOLE 0 47,900 0 0
JOHNSON CONTROLS INTERNATIONAL Com G51502105 120 1,754 SH   DFND 0 1,754 0 0
LINDE PLC COM Com G5494J103 188 651 SH   SOLE 0 651 0 0
LINDE PLC COM Com G5494J103 27 94 SH   DFND 0 94 0 0
MEDTRONIC PLC Com G5960L103 667 5,374 SH   SOLE 0 5,374 0 0
MEDTRONIC PLC Com G5960L103 19 156 SH   DFND 0 156 0 0
APTIV PLC Com G6095L109 139 886 SH   SOLE 0 886 0 0
APTIV PLC Com G6095L109 181 1,150 SH   DFND 0 1,150 0 0
TRANE TECHNOLOGIES PLC ADR Com G8994E103 3,155 17,133 SH   SOLE 0 17,133 0 0
TRANE TECHNOLOGIES PLC ADR Com G8994E103 34 183 SH   DFND 0 183 0 0
CHUBB LTD Com H1467J104 626 3,937 SH   SOLE 0 3,937 0 0