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   236,217 2,439 SH   SOLE 0 2,439 0 0
Abbvie Inc Com 00287Y109   8,728,208 58,555 SH   SOLE 0 58,555 0 0
Abbvie Inc Com 00287Y109   8,944 60 SH   DFND 0 60 0 0
Alphabet Inc Class A Com 02079K305   6,334,409 48,406 SH   SOLE 0 48,406 0 0
Alphabet Inc Class A Com 02079K305   5,234 40 SH   DFND 0 40 0 0
Amazon Inc Com 023135106   5,815,232 45,746 SH   SOLE 0 45,746 0 0
Amazon Inc Com 023135106   12,712 100 SH   DFND 0 100 0 0
American Tower Corp REIT Com 03027X100   2,598,146 15,799 SH   SOLE 0 15,799 0 0
American Tower Corp REIT Com 03027X100   5,920 36 SH   DFND 0 36 0 0
Amgen Inc Com 031162100   3,172,443 11,804 SH   SOLE 0 11,804 0 0
Apple Inc Com 037833100   14,354,589 83,842 SH   SOLE 0 83,842 0 0
Apple Inc Com 037833100   6,848 40 SH   DFND 0 40 0 0
Bank of America Corp Com 060505104   265,038 9,680 SH   SOLE 0 9,680 0 0
Berkshire Hathaway Inc Cl A Com 084670108   3,720,339 7 SH   SOLE 0 7 0 0
Berkshire Hathaway Inc Cl B Com 084670702   6,748,880 19,266 SH   SOLE 0 19,216 0 50
BlackRock Inc Com 09247X101   2,235,562 3,458 SH   SOLE 0 3,458 0 0
BlackRock Enhanced Equity Dividend Trust Com 09251A104   142,056 18,667 SH   SOLE 0 18,667 0 0
Boeing Co Com 097023105   359,017 1,873 SH   SOLE 0 1,873 0 0
Bristol-Myers Squibb Corp Com 110122108   3,388,259 58,378 SH   SOLE 0 58,378 0 0
CVS Health Corporation Com 126650100   4,045,092 57,936 SH   SOLE 0 57,936 0 0
CVS Health Corporation Com 126650100   6,005 86 SH   DFND 0 86 0 0
Cardinal Health Inc Com 14149Y108   3,024,635 34,838 SH   SOLE 0 34,838 0 0
Cardinal Health Inc Com 14149Y108   5,296 61 SH   DFND 0 61 0 0
Caterpillar Inc Com 149123101   3,987,165 14,605 SH   SOLE 0 14,605 0 0
Chemed Corp Com 16359R103   493,715 950 SH   SOLE 0 950 0 0
Chevron Corp Com 166764100   8,230,174 48,809 SH   SOLE 0 48,809 0 0
Chevron Corp Com 166764100   5,059 30 SH   DFND 0 30 0 0
Cisco Systems Inc Com 17275R102   8,863,035 164,863 SH   SOLE 0 164,863 0 0
Cognizant Technology Solutions Cl A Com 192446102   3,082,305 45,502 SH   SOLE 0 45,502 0 0
Cognizant Technology Solutions Cl A Com 192446102   4,742 70 SH   DFND 0 70 0 0
Comcast Corp New Cl A Com 20030N101   3,587,106 80,900 SH   SOLE 0 80,900 0 0
ConocoPhillips Com 20825C104   2,587,440 21,598 SH   SOLE 0 21,598 0 0
Consolidated Edison Inc Com 209115104   228,878 2,676 SH   SOLE 0 2,676 0 0
Digital Realty Trust Inc Com 253868103   2,220,475 18,348 SH   SOLE 0 18,348 0 0
Digital Realty Trust Inc Com 253868103   12,102 100 SH   DFND 0 100 0 0
Walt Disney Company Com 254687106   1,871,120 23,086 SH   SOLE 0 23,086 0 0
Walt Disney Company Com 254687106   2,432 30 SH   DFND 0 30 0 0
Dollar Tree Inc Com 256746108   2,697,337 25,339 SH   SOLE 0 25,339 0 0
Dow Inc Com 260557103   2,075,342 40,251 SH   SOLE 0 40,251 0 0
Dow Inc Com 260557103   2,062 40 SH   DFND 0 40 0 0
Duke Energy Corp Com 26441C204   2,226,447 25,226 SH   SOLE 0 25,226 0 0
Duke Energy Corp Com 26441C204   11,474 130 SH   DFND 0 130 0 0
Du Pont De Nemours Inc Com 26614N102   2,331,385 31,256 SH   SOLE 0 31,256 0 0
EOG Resources Inc Com 26875P101   2,971,381 23,441 SH   SOLE 0 23,441 0 0
EOG Resources Inc Com 26875P101   5,070 40 SH   DFND 0 40 0 0
Emerson Electric Co Com 291011104   7,710,342 79,842 SH   SOLE 0 79,842 0 0
Emerson Electric Co Com 291011104   9,657 100 SH   DFND 0 100 0 0
Exelon Corp Com 30161N101   1,986,696 52,572 SH   SOLE 0 52,572 0 0
Exxon Mobil Corp Com 30231G102   6,516,401 55,421 SH   SOLE 0 55,421 0 0
Meta Platforms Inc Com 30303M102   5,374,359 17,902 SH   SOLE 0 17,902 0 0
Meta Platforms Inc Com 30303M102   3,002 10 SH   DFND 0 10 0 0
Freeport-McMoran, Inc Com 35671D857   1,659,703 44,508 SH   SOLE 0 44,508 0 0
Gilead Sciences Inc Com 375558103   2,989,806 39,896 SH   SOLE 0 39,896 0 0
The Hershey Company Com 427866108   429,172 2,145 SH   SOLE 0 2,145 0 0
Home Depot Inc Com 437076102   635,140 2,102 SH   SOLE 0 2,102 0 0
Honeywell Intl Inc Com 438516106   1,249,027 6,761 SH   SOLE 0 6,761 0 0
ING Groep NV ADR Com 456837103   639,704 48,536 SH   SOLE 0 48,536 0 0
Intercontinental Exchange Inc Com 45866F104   3,482,903 31,657 SH   SOLE 0 31,657 0 0
Intercontinental Exchange Inc Com 45866F104   3,301 30 SH   DFND 0 30 0 0
IBM Corp Com 459200101   3,781,927 26,956 SH   SOLE 0 26,956 0 0
Invesco QQQ Trust Com 46090E103   1,096,664 3,061 SH   SOLE 0 3,061 0 0
Invesco Preferred ETF Com 46138E511   15,670,151 1,431,064 SH   SOLE 0 1,427,810 3,254 0
Invesco Preferred ETF Com 46138E511   63,707 5,818 SH   DFND 0 5,818 0 0
Invesco BulletShares 2027 Corporate Bond ETF Com 46138J783   231,227 12,342 SH   SOLE 0 12,342 0 0
Invesco BulletShares 2026 Corporate Bond ETF Com 46138J791   263,069 14,004 SH   SOLE 0 14,004 0 0
Invesco BulletShares 2025 Corporate Bond ETF Com 46138J825   251,516 12,507 SH   SOLE 0 12,507 0 0
Invesco BulletShares 2024 Corporate Bond ETF Com 46138J841   246,242 11,913 SH   SOLE 0 11,913 0 0
iShares Core S&P 500 ETF Com 464287200   1,210,134 2,818 SH   SOLE 0 2,818 0 0
iShares Core U.S. Agg Bond ETF Com 464287226   3,051,974 32,454 SH   SOLE 0 32,454 0 0
iShares Core S&P Mid-Cap 400 Index ETF Com 464287507   16,574,544 66,471 SH   SOLE 0 66,471 0 0
iShares Core S&P Small-Cap 600 ETF Com 464287804   9,368,007 99,311 SH   SOLE 0 99,311 0 0
Ishares Dow Jones US Health Care Prov Index Com 464288828   492,200 2,000 SH   SOLE 0 2,000 0 0
iShares Tr MSCI USA Minimum Volatility ETF Com 46429B697   813,624 11,241 SH   SOLE 0 11,241 0 0
iShares Core MSCI EAFE ETF Com 46432F842   17,962,659 279,140 SH   SOLE 0 279,140 0 0
iShares Core MSCI Emerging Mkts ETF Com 46434G103   7,867,864 165,326 SH   SOLE 0 165,326 0 0
iShares iBonds 2028 Term Corp ETF Com 46435U515   241,453 10,048 SH   SOLE 0 10,048 0 0
JP Morgan Chase & Co Com 46625H100   11,044,868 76,161 SH   SOLE 0 76,161 0 0
JP Morgan Chase & Co Com 46625H100   5,801 40 SH   DFND 0 40 0 0
Johnson & Johnson Com 478160104   6,273,299 40,278 SH   SOLE 0 40,278 0 0
Estee Lauder Companies Inc Com 518439104   676,928 4,683 SH   SOLE 0 4,683 0 0
Eli Lilly & Co Com 532457108   606,957 1,130 SH   SOLE 0 1,130 0 0
Lowes Companies Inc Com 548661107   3,101,388 14,922 SH   SOLE 0 14,922 0 0
Masco Corp Com 574599106   3,645,023 68,195 SH   SOLE 0 68,195 0 0
McDonalds Corp Com 580135101   3,357,543 12,745 SH   SOLE 0 12,745 0 0
McDonalds Corp Com 580135101   7,903 30 SH   DFND 0 30 0 0
Merck & Co Inc Com 58933Y105   3,306,342 32,116 SH   SOLE 0 32,116 0 0
MetLife Inc Com 59156R108   3,440,800 54,694 SH   SOLE 0 54,694 0 0
Microsoft Corp Com 594918104   14,042,666 44,474 SH   SOLE 0 44,474 0 0
Mondelez International Inc Com 609207105   2,370,149 34,152 SH   SOLE 0 34,152 0 0
Morgan Stanley Com 617446448   5,119,484 62,685 SH   SOLE 0 62,685 0 0
Nike Inc Class B Com 654106103   1,020,552 10,673 SH   SOLE 0 10,673 0 0
NVIDIA Corp Com 67066G104   2,723,037 6,260 SH   SOLE 0 6,260 0 0
Omnicom Group Com 681919106   1,824,090 24,491 SH   SOLE 0 24,491 0 0
Oracle Corp Com 68389X105   3,720,228 35,123 SH   SOLE 0 35,123 0 0
Otter Tail Corporation Com 689648103   515,952 6,796 SH   SOLE 0 6,796 0 0
Pepsico Inc Com 713448108   7,459,427 44,024 SH   SOLE 0 44,024 0 0
Pfizer Inc Com 717081103   5,992,293 180,654 SH   SOLE 0 180,654 0 0
Pfizer Inc Com 717081103   5,340 161 SH   DFND 0 161 0 0
Principal Financial Group Com 74251V102   2,927,123 40,615 SH   SOLE 0 40,615 0 0
Procter & Gamble Co Com 742718109   7,324,943 50,219 SH   SOLE 0 50,219 0 0
Procter & Gamble Co Com 742718109   14,586 100 SH   DFND 0 100 0 0
Prudential Financial Com 744320102   5,937,267 62,570 SH   SOLE 0 62,570 0 0
Prudential Financial Com 744320102   2,847 30 SH   DFND 0 30 0 0
QUALCOMM Inc Com 747525103   2,078,710 18,717 SH   SOLE 0 18,717 0 0
QUALCOMM Inc Com 747525103   9,995 90 SH   DFND 0 90 0 0
SPDR S&P 500 ETF Com 78462F103   5,575,194 13,042 SH   SOLE 0 13,042 0 0
SPDR Gold Shares Com 78463V107   258,375 1,507 SH   SOLE 0 1,507 0 0
SPDR MSCI ACWI ex-US ETF Com 78463X848   1,230,935 49,455 SH   SOLE 0 49,455 0 0
SPDR S&P 500 Growth ETF Com 78464A409   2,315,536 39,061 SH   SOLE 0 39,061 0 0
SPDR S&P 500 Value ETF Com 78464A508   305,324 7,400 SH   SOLE 0 7,400 0 0
SPDR Dow Jones Industrial Average Com 78467X109   4,980,707 14,870 SH   SOLE 0 14,870 0 0
SPDR Portfolio High Yield Bond ETF Com 78468R606   2,194,985 97,903 SH   SOLE 0 97,903 0 0
SPDR SSGA US Low Volatility Index ETF Com 78468R804   734,523 5,501 SH   SOLE 0 5,501 0 0
Salesforce Inc Com 79466L302   4,524,630 22,313 SH   SOLE 0 22,313 0 0
Salesforce Inc Com 79466L302   10,139 50 SH   DFND 0 50 0 0
Health Care Select Sector SPDR ETF Com 81369Y209   257,480 2,000 SH   SOLE 0 2,000 0 0
Energy Select Sector SPDR ETF Com 81369Y506   250,290 2,769 SH   SOLE 0 2,769 0 0
Skyworks Solutions Com 83088M102   1,978,504 20,068 SH   SOLE 0 20,068 0 0
Sprott Physical Silver Trust Com 85207K107   644,300 85,000 SH   SOLE 0 85,000 0 0
Starbucks Corporation Com 855244109   2,907,588 31,857 SH   SOLE 0 31,857 0 0
Starbucks Corporation Com 855244109   1,825 20 SH   DFND 0 20 0 0
Sysco Corp Com 871829107   2,649,596 40,115 SH   SOLE 0 40,115 0 0
Target Corp Com 87612E106   1,173,701 10,615 SH   SOLE 0 10,615 0 0
Truist Financial Corp Com 89832Q109   1,762,204 61,594 SH   SOLE 0 61,594 0 0
United Parcel Service Com 911312106   12,466,794 79,982 SH   SOLE 0 69,082 0 10,900
United Parcel Service Com 911312106   15,587 100 SH   DFND 0 100 0 0
Vanguard Dividend Appreciation ETF Com 921908844   204,325 1,315 SH   SOLE 0 1,315 0 0
Vanguard Total Stock Market Com 922908769   391,472 1,843 SH   SOLE 0 1,843 0 0
Verizon Communications Inc Com 92343V104   1,247,007 38,476 SH   SOLE 0 38,476 0 0
Visa Inc Com 92826C839   4,154,901 18,064 SH   SOLE 0 18,064 0 0
Visa Inc Com 92826C839   5,750 25 SH   DFND 0 25 0 0
Wal-Mart Stores Inc Com 931142103   593,180 3,709 SH   SOLE 0 3,709 0 0
Yum Brands Inc Com 988498101   2,324,884 18,608 SH   SOLE 0 18,608 0 0
Eaton Corp PLC Com G29183103   4,869,396 22,831 SH   SOLE 0 22,831 0 0
Eaton Corp PLC Com G29183103   20,262 95 SH   DFND 0 95 0 0
Linde Plc Com G54950103   2,180,109 5,855 SH   SOLE 0 5,855 0 0