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
3M Co COM 88579Y101   106,070 1,000 SH   DFND   1,000 0 0
3M Co COM 88579Y101   62,900 593 SH   SOLE   593 0 0
5TH THIRD BANCORP COM 316773100   9,600 258 SH   SOLE   258 0 0
ACADIA Pharmaceuticals Inc COM 004225108   3,698 200 SH   SOLE   200 0 0
ADVANCED MICRO DEV COM 007903107   1,056,949 5,856 SH   SOLE   3,296 0 2,560
AGILENT TECHS INC COM 00846U101   300,333 2,064 SH   SOLE   2,064 0 0
ALBEMARLE CORP COM 012653101   1,317 10 SH   SOLE   10 0 0
ALCON AG ORD SHS H01301128   15,325 184 SH   SOLE   184 0 0
ALPHABET INC CAP STK CL A 02079K305   4,308,146 28,544 SH   SOLE   21,880 0 6,664
ALTRIA GROUP INC COM 02209S103   610,680 14,000 SH   DFND   14,000 0 0
ALTRIA GROUP INC COM 02209S103   208,765 4,786 SH   SOLE   4,786 0 0
AMBEV SA SPONSORED ADR 02319V103   57,757 23,289 SH   SOLE   0 0 23,289
AMER EXPRESS CO COM 025816109   1,508,446 6,625 SH   SOLE   3,798 0 2,827
AMER INTL GRP COM NEW 026874784   238,262 3,048 SH   SOLE   3,048 0 0
AMETEK Inc COM 031100100   5,304 29 SH   SOLE   29 0 0
ANALOG DEVICES INC COM 032654105   277,302 1,402 SH   SOLE   1,402 0 0
ANSYS, INC. COM 03662Q105   10,068 29 SH   SOLE   29 0 0
APA Corp COM 03743Q108   68,760 2,000 SH   SOLE   2,000 0 0
APPLIED MATERIALS COM 038222105   1,597,045 7,744 SH   SOLE   5,995 0 1,749
ARISTA NETWORKS INC COM 040413106   15,369 53 SH   SOLE   53 0 0
ASE Technology Holding Co Ltd SPONSORED ADS 00215W100   181,005 16,470 SH   SOLE   0 0 16,470
ASML HOLDING NV N Y REGISTRY SHS N07059210   192,153 198 SH   SOLE   49 0 149
AT&T INC COM 00206R102   123,200 7,000 SH   DFND   7,000 0 0
AT&T INC COM 00206R102   123,270 7,004 SH   SOLE   5,694 0 1,310
AUTOMATIC DATA PROCESSING COM 053015103   1,039,668 4,163 SH   SOLE   4,163 0 0
AUTOZONE INC COM 053332102   66,185 21 SH   SOLE   21 0 0
AVERY DENNISON CORP COM 053611109   64,296 288 SH   SOLE   288 0 0
AbbVie Inc COM 00287Y109   1,274,700 7,000 SH   DFND   7,000 0 0
AbbVie Inc COM 00287Y109   1,066,924 5,859 SH   SOLE   5,408 0 451
Abbott Laboratories COM 002824100   596,715 5,250 SH   DFND   5,250 0 0
Abbott Laboratories COM 002824100   3,700,315 32,556 SH   SOLE   11,447 0 21,109
Accenture PLC SHS CLASS A G1151C101   3,332,655 9,615 SH   SOLE   3,653 0 5,962
Adobe Inc COM 00724F101   2,807,090 5,563 SH   SOLE   1,779 0 3,784
Advance Auto Parts Inc COM 00751Y106   13,614 160 SH   SOLE   160 0 0
Aflac Inc COM 001055102   30,738 358 SH   SOLE   358 0 0
Air Products and Chemicals Inc COM 009158106   261,167 1,078 SH   SOLE   1,078 0 0
Airbnb Inc COM CL A 009066101   2,539,394 15,394 SH   SOLE   1,386 0 14,008
Alaska Air Group Inc COM 011659109   1,290 30 SH   SOLE   30 0 0
Align Technology Inc COM 016255101   660,431 2,014 SH   SOLE   350 0 1,665
Allegion plc ORD SHS G0176J109   6,331 47 SH   SOLE   47 0 0
Allstate Corp/The COM 020002101   102,076 590 SH   SOLE   590 0 0
Ally Financial Inc COM 02005N100   7,103 175 SH   SOLE   175 0 0
Alphabet Inc CAP STK CL C 02079K107   106,582 700 SH   DFND   700 0 0
Alphabet Inc CAP STK CL C 02079K107   6,599,862 43,346 SH   SOLE   17,999 0 25,347
Amazon.com Inc COM 023135106   14,919,230 82,710 SH   SOLE   28,070 0 54,640
Amcor PLC ORD G0250X107   68,948 7,250 SH   DFND   7,250 0 0
Amcor PLC ORD G0250X107   17,670 1,858 SH   SOLE   1,024 0 834
American Century ETF Trust AVANTIS EMGMKT 025072604   1,525,565 26,321 SH   SOLE   24,773 0 1,548
American Century ETF Trust INTL EQT ETF 025072703   4,079 64 SH   DFND   64 0 0
American Century ETF Trust INTL EQT ETF 025072703   1,341,536 21,047 SH   SOLE   16,960 0 4,087
American Electric Power Co Inc COM 025537101   86,100 1,000 SH   DFND   1,000 0 0
American Electric Power Co Inc COM 025537101   45,289 526 SH   SOLE   375 0 151
American Tower Corp COM 03027X100   273,267 1,383 SH   SOLE   1,383 0 0
Ameriprise Financial Inc COM 03076C106   708,081 1,615 SH   SOLE   1,615 0 0
Amgen Inc COM 031162100   761,125 2,677 SH   SOLE   2,645 0 32
Amphenol Corp CL A 032095101   121,464 1,053 SH   SOLE   1,053 0 0
Anheuser-Busch InBev SA/NV SPONSORED ADR 03524A108   60,780 1,000 SH   SOLE   1,000 0 0
Aon PLC SHS CL A G0403H108   110,128 330 SH   SOLE   330 0 0
Apollo Global Management Inc COM 03769M106   10,345 92 SH   SOLE   92 0 0
Apple Hospitality REIT Inc COM NEW 03784Y200   221,507 13,523 SH   SOLE   13,523 0 0
Apple Inc COM 037833100   10,494,576 61,200 SH   DFND   61,200 0 0
Apple Inc COM 037833100   17,544,805 102,314 SH   SOLE   99,854 0 2,460
Archer Aviation Inc COM CL A 03945R102   23,100 5,000 SH   SOLE   5,000 0 0
Archer-Daniels-Midland Co COM 039483102   64,757 1,031 SH   SOLE   1,031 0 0
Ares Capital Corp COM 04010L103   4,997 240 SH   SOLE   240 0 0
Arthur J Gallagher & Co COM 363576109   248,540 994 SH   SOLE   464 0 530
AstraZeneca PLC SPONSORED ADR 046353108   504,738 7,450 SH   DFND   7,450 0 0
AstraZeneca PLC SPONSORED ADR 046353108   241,935 3,571 SH   SOLE   3,571 0 0
Atlassian Corp CL A 049468101   69,459 356 SH   SOLE   356 0 0
Autodesk Inc COM 052769106   1,860,961 7,146 SH   SOLE   747 0 6,399
BAKER HUGHES INC CL A 05722G100   5,025 150 SH   SOLE   150 0 0
BARRICK GOLD CORP COM 067901108   40,701 2,446 SH   SOLE   2,446 0 0
BAXTER INTL INC COM 071813109   90,865 2,126 SH   SOLE   2,126 0 0
BCE Inc COM NEW 05534B760   149,512 4,400 SH   DFND   4,400 0 0
BCE Inc COM NEW 05534B760   50,868 1,497 SH   SOLE   1,105 0 392
BECTON DICKINSON COM 075887109   1,732 7 SH   SOLE   7 0 0
BEST BUY CO INC COM 086516101   54,796 668 SH   SOLE   668 0 0
BHP BILLITON LTD SPONSORED ADS 088606108   74,535 1,292 SH   SOLE   0 0 1,292
BJ's Wholesale Club Holdings I COM 05550J101   102,884 1,360 SH   SOLE   1,360 0 0
BK OF AMERICA CORP COM 060505104   2,709,725 71,459 SH   SOLE   67,349 0 4,110
BK OF MONTREAL COM 063671101   49,817 510 SH   SOLE   510 0 0
BK OF NY MELLON CP COM 064058100   69,144 1,200 SH   SOLE   1,200 0 0
BLACKROCK FUND ADVISORS HDG MSCI EAFE 46434V803   1,656,800 47,500 SH   SOLE   0 0 47,500
BOEING CO COM 097023105   79,705 413 SH   SOLE   413 0 0
BP PLC SPONSORED ADR 055622104   241,416 6,407 SH   SOLE   6,407 0 0
BRIGHTHOUSE FINANCIAL INC. COM 10922N103   35,923 697 SH   SOLE   697 0 0
BRISTOL-MYRS SQUIB COM 110122108   108,460 2,000 SH   DFND   2,000 0 0
BRISTOL-MYRS SQUIB COM 110122108   598,320 11,033 SH   SOLE   2,752 0 8,281
BRITISH AMERICAN TOBACCO PLC SPONSORED ADR 110448107   83,875 2,750 SH   DFND   2,750 0 0
BRITISH AMERICAN TOBACCO PLC SPONSORED ADR 110448107   13,146 431 SH   SOLE   189 0 242
Baidu Inc SPON ADR REP A 056752108   69,801 663 SH   SOLE   0 0 663
Banco Bradesco SA SP ADR PFD NEW 059460303   41,745 14,596 SH   SOLE   0 0 14,596
Bancolombia SA SPON ADR PREF 05968L102   79,117 2,312 SH   SOLE   0 0 2,312
Barclays PLC ADR 06738E204   80,098 8,476 SH   SOLE   0 0 8,476
Berkshire Hathaway Inc CL B NEW 084670702   1,374,259 3,268 SH   SOLE   3,268 0 0
Biogen Inc COM 09062X103   15,310 71 SH   SOLE   71 0 0
Biomea Fusion Inc COM 09077A106   57,752 3,863 SH   SOLE   3,863 0 0
Black Stone Minerals LP COM UNIT 09225M101   15,980 1,000 SH   SOLE   1,000 0 0
BlackRock Fund Advisors SHRT NAT MUN ETF 464288158   10,476,770 100,036 SH   SOLE   97,187 0 2,849
BlackRock Inc COM 09247X101   341,817 410 SH   SOLE   410 0 0
Blackstone Inc COM 09260D107   131,370 1,000 SH   DFND   1,000 0 0
Blackstone Inc COM 09260D107   56,489 430 SH   SOLE   430 0 0
Block Inc CL A 852234103   3,214 38 SH   SOLE   38 0 0
Booking Holdings Inc COM 09857L108   10,884 3 SH   SOLE   3 0 0
BorgWarner Inc COM 099724106   38,388 1,105 SH   SOLE   1,105 0 0
Boston Scientific Corp COM 101137107   169,924 2,481 SH   SOLE   2,481 0 0
Broadcom Inc COM 11135F101   1,452,649 1,096 SH   SOLE   1,096 0 0
Burlington Stores Inc COM 122017106   25,541 110 SH   SOLE   110 0 0
CACI International Inc CL A 127190304   18,563 49 SH   SOLE   49 0 0
CARNIVAL CORP UNIT 99/99/9999 143658300   64,755 3,963 SH   SOLE   0 0 3,963
CARRIER GLOBAL CORP COM 14448C104   43,598 750 SH   DFND   750 0 0
CARRIER GLOBAL CORP COM 14448C104   172,414 2,966 SH   SOLE   2,966 0 0
CBRE Group Inc CL A 12504L109   66,512 684 SH   SOLE   684 0 0
CDN NATL RAILWAYS COM 136375102   85,480 649 SH   SOLE   0 0 649
CF Industries Holdings Inc COM 125269100   14,978 180 SH   SOLE   180 0 0
CHUBB LIMITED COM COM H1467J104   77,739 300 SH   DFND   300 0 0
CHUBB LIMITED COM COM H1467J104   733,079 2,829 SH   SOLE   757 0 2,072
CIBC COM 136069101   233,312 4,600 SH   DFND   4,600 0 0
CIBC COM 136069101   34,135 673 SH   SOLE   474 0 199
CIENA CORP COM NEW 171779309   989 20 SH   SOLE   20 0 0
CINTAS CORP COM 172908105   6,870 10 SH   SOLE   10 0 0
CISCO SYSTEMS COM 17275R102   797,113 15,971 SH   SOLE   14,651 0 1,320
CME Group Inc COM 12572Q105   751,362 3,490 SH   SOLE   548 0 2,942
CMS Energy Corp COM 125896100   18,766 311 SH   SOLE   311 0 0
CNX Resources Corp COM 12653C108   6,001 253 SH   SOLE   253 0 0
COGNIZANT TECHNOLO CL A 192446102   25,725 351 SH   SOLE   351 0 0
COLGATE-PALMOLIVE COM 194162103   389,917 4,330 SH   SOLE   106 0 4,224
CONAGRA FOODS INC COM 205887102   40,310 1,360 SH   SOLE   1,061 0 299
CONOCOPHILLIPS COM 20825C104   2,193,798 17,236 SH   SOLE   13,326 0 3,910
CORNING INC COM 219350105   38,365 1,164 SH   SOLE   1,164 0 0
CRH ORD G25508105   111,793 1,296 SH   SOLE   1,296 0 0
CRONOS GROUP INC COM 22717L101   5,220 2,000 SH   DFND   2,000 0 0
CSX CORP COM 126408103   946,063 25,521 SH   SOLE   21,771 0 3,750
CUMMINS INC COM 231021106   7,661 26 SH   SOLE   26 0 0
CVS Health Corp COM 126650100   269,429 3,378 SH   SOLE   3,378 0 0
Cadence Design Systems Inc COM 127387108   264,899 851 SH   SOLE   851 0 0
Canadian Pacific Kansas City L COM 13646K108   21,425 243 SH   SOLE   243 0 0
Capital One Financial Corp COM 14040H105   130,577 877 SH   SOLE   877 0 0
CarMax Inc COM 143130102   9,931 114 SH   SOLE   114 0 0
Cardinal Health Inc COM 14149Y108   28,646 256 SH   SOLE   256 0 0
Caterpillar Inc COM 149123101   558,806 1,525 SH   SOLE   1,525 0 0
Cboe Global Markets Inc COM 12503M108   3,675 20 SH   SOLE   20 0 0
Celanese Corp COM 150870103   493,926 2,874 SH   SOLE   2,874 0 0
Cenovus Energy Inc COM 15135U109   570,595 28,544 SH   SOLE   697 0 27,847
Centene Corp COM 15135B101   572,512 7,295 SH   SOLE   237 0 7,058
Charles Schwab Corp/The COM 808513105   167,250 2,312 SH   SOLE   2,312 0 0
Charles Schwab Investment Management Inc US LRG CAP ETF 808524201   227,015 3,658 SH   SOLE   3,658 0 0
Charles Schwab Investment Management Inc US MID-CAP ETF 808524508   82,244 1,010 SH   SOLE   1,010 0 0
Charles Schwab Investment Management Inc US SML CAP ETF 808524607   51,210 1,040 SH   SOLE   1,040 0 0
Charter Communications Inc CL A 16119P108   27,319 94 SH   SOLE   94 0 0
Check Point Software Technolog ORD M22465104   121,531 741 SH   SOLE   0 0 741
Chevron Corp COM 166764100   1,261,920 8,000 SH   DFND   8,000 0 0
Chevron Corp COM 166764100   1,491,589 9,456 SH   SOLE   4,816 0 4,640
Chipotle Mexican Grill Inc COM 169656105   61,042 21 SH   SOLE   21 0 0
Cigna Group/The COM 125523100   643,936 1,773 SH   SOLE   1,773 0 0
Cincinnati Financial Corp COM 172062101   7,078 57 SH   SOLE   57 0 0
Citigroup Inc COM NEW 172967424   126,101 1,994 SH   SOLE   1,994 0 0
Citizens Financial Group Inc COM 174610105   11,976 330 SH   SOLE   330 0 0
Clorox Co/The COM 189054109   43,330 283 SH   SOLE   283 0 0
Coca-Cola Co/The COM 191216100   186,599 3,050 SH   DFND   3,050 0 0
Coca-Cola Co/The COM 191216100   589,102 9,629 SH   SOLE   9,508 0 121
Comcast Corp CL A 20030N101   703,440 16,227 SH   SOLE   13,517 0 2,710
Comerica Inc COM 200340107   5,499 100 SH   SOLE   100 0 0
Community Healthcare Trust Inc COM 20369C106   45,135 1,700 SH   SOLE   1,700 0 0
Constellation Brands Inc CL A 21036P108   667,443 2,456 SH   SOLE   341 0 2,115
Constellation Energy Corp COM 21037T109   294,651 1,594 SH   SOLE   1,518 0 76
Copart Inc COM 217204106   9,962 172 SH   SOLE   172 0 0
Corteva Inc COM 22052L104   376,354 6,526 SH   SOLE   263 0 6,263
Costco Wholesale Corp COM 22160K105   2,107,044 2,876 SH   SOLE   2,587 0 289
Crowdstrike Holdings Inc CL A 22788C105   48,730 152 SH   SOLE   152 0 0
Crown Castle Inc COM 22822V101   179,911 1,700 SH   DFND   1,700 0 0
Crown Castle Inc COM 22822V101   67,096 634 SH   SOLE   589 0 45
DEERE & CO COM 244199105   665,399 1,620 SH   SOLE   1,137 0 483
DIAGEO SPON ADR NEW 25243Q205   178,488 1,200 SH   DFND   1,200 0 0
DIAGEO SPON ADR NEW 25243Q205   481,323 3,236 SH   SOLE   300 0 2,936
DISCOVER FINL SVCS COM 254709108   26,087 199 SH   SOLE   199 0 0
DOMINION RES(VIR) COM 25746U109   49,190 1,000 SH   DFND   1,000 0 0
DOMINION RES(VIR) COM 25746U109   156,719 3,186 SH   SOLE   2,902 0 284
DR HORTON INC COM 23331A109   23,366 142 SH   SOLE   142 0 0
DUKE ENERGY CORP COM NEW 26441C204   106,381 1,100 SH   DFND   1,100 0 0
DUKE ENERGY CORP COM NEW 26441C204   491,577 5,083 SH   SOLE   4,881 0 202
Danaher Corp COM 235851102   569,112 2,279 SH   SOLE   2,279 0 0
Darden Restaurants Inc COM 237194105   224,817 1,345 SH   SOLE   1,345 0 0
Darling Ingredients Inc COM 237266101   11,581 249 SH   SOLE   249 0 0
Dell Technologies Inc CL C 24703L202   11,982 105 SH   SOLE   105 0 0
Delta Air Lines Inc COM NEW 247361702   510,486 10,664 SH   SOLE   1,432 0 9,232
Devon Energy Corp COM 25179M103   43,807 873 SH   SOLE   873 0 0
Dexcom Inc COM 252131107   7,767 56 SH   SOLE   56 0 0
Diamondback Energy Inc COM 25278X109   6,738 34 SH   SOLE   34 0 0
Digital Realty Trust Inc COM 253868103   12,820 89 SH   SOLE   89 0 0
DocuSign Inc COM 256163106   25,011 420 SH   SOLE   419 0 1
Dolby Laboratories Inc COM CL A 25659T107   33,508 400 SH   SOLE   400 0 0
Dollar General Corp COM 256677105   26,374 169 SH   SOLE   169 0 0
Dollar Tree Inc COM 256746108   12,117 91 SH   SOLE   91 0 0
Dover Corp COM 260003108   36,147 204 SH   SOLE   204 0 0
Dow Inc COM 260557103   10,775 186 SH   SOLE   186 0 0
DuPont de Nemours Inc COM 26614N102   26,144 341 SH   SOLE   341 0 0
EBAY INC COM 278642103   258,041 4,889 SH   SOLE   4,889 0 0
ECOLAB INC COM 278865100   10,852 47 SH   SOLE   47 0 0
EDISON INTERNATIONAL COM 281020107   13,085 185 SH   SOLE   185 0 0
ELECTRONIC ARTS COM 285512109   53,068 400 SH   SOLE   285 0 115
EMERSON ELECTRIC COM 291011104   190,092 1,676 SH   SOLE   1,676 0 0
ENBRIDGE INC COM 29250N105   105,971 2,929 SH   SOLE   2,443 0 486
ENI SPONSORED ADR 26874R108   31,720 1,000 SH   SOLE   1,000 0 0
EOG Resources Inc COM 26875P101   99,076 775 SH   SOLE   775 0 0
EQUINIX INC COM 29444U700   207,158 251 SH   SOLE   98 0 153
ERICSSON(LM)TEL ADR B SEK 10 294821608   41,468 7,526 SH   SOLE   0 0 7,526
ESTEE LAUDER COS CL A 518439104   120,237 780 SH   SOLE   780 0 0
EXELON CORP COM 30161N101   170,530 4,539 SH   SOLE   4,309 0 230
Eaton Corp PLC SHS G29183103   1,274,796 4,077 SH   SOLE   3,398 0 679
Edwards Lifesciences Corp COM 28176E108   82,182 860 SH   SOLE   860 0 0
Elevance Health Inc COM 036752103   356,237 687 SH   SOLE   687 0 0
Eli Lilly & Co COM 532457108   1,166,940 1,500 SH   DFND   1,500 0 0
Eli Lilly & Co COM 532457108   3,348,340 4,304 SH   SOLE   2,898 0 1,406
Energy Transfer LP COM UT LTD PTN 29273V100   2,706 172 SH   SOLE   172 0 0
Entergy Corp COM 29364G103   10,885 103 SH   SOLE   0 0 103
Equity Residential SH BEN INT 29476L107   9,908 157 SH   SOLE   157 0 0
Everest Group Ltd COM G3223R108   172,118 433 SH   SOLE   0 0 433
Exact Sciences Corp COM 30063P105   691 10 SH   SOLE   10 0 0
Exxon Mobil Corp COM 30231G102   4,882,080 42,000 SH   DFND   42,000 0 0
Exxon Mobil Corp COM 30231G102   2,115,684 18,201 SH   SOLE   18,201 0 0
FEDEX CORP COM 31428X106   99,381 343 SH   SOLE   343 0 0
FERRARI NV COM N3167Y103   37,055 85 SH   SOLE   85 0 0
FIRST SOLAR INC COM 336433107   22,282 132 SH   SOLE   132 0 0
FISERV INC COM 337738108   21,416 134 SH   SOLE   134 0 0
FMC Corp COM NEW 302491303   1,529 24 SH   SOLE   24 0 0
FORD MOTOR CO COM 345370860   2,523 190 SH   SOLE   190 0 0
FREEPORT-MCMOR C&G CL B 35671D857   257,529 5,477 SH   SOLE   5,477 0 0
Fair Isaac Corp COM 303250104   199,938 160 SH   SOLE   160 0 0
Fastenal Co COM 311900104   58,009 752 SH   SOLE   752 0 0
Ferguson PLC SHS G3421J106   12,451 57 SH   SOLE   57 0 0
Fidelity ETFs/USA TOTAL BD ETF 316188309   134,389 2,966 SH   SOLE   2,966 0 0
Fidelity National Financial In FNF GROUP COM 31620R303   53,100 1,000 SH   SOLE   1,000 0 0
Fidelity National Information COM 31620M106   2,745 37 SH   SOLE   37 0 0
Figs Inc CL A 30260D103   4,980 1,000 SH   SOLE   1,000 0 0
First Trust ETFs/USA CAP STRENGTH ETF 33733E104   334,035 3,900 SH   SOLE   0 0 3,900
First Trust ETFs/USA FST LOW OPPT EFT 33739Q200   65,331 1,354 SH   DFND   1,354 0 0
First Trust ETFs/USA FST LOW OPPT EFT 33739Q200   5,989,176 124,128 SH   SOLE   122,257 0 1,871
FlexShares ETFs/USA HIG YLD VL ETF 33939L662   23,392 569 SH   SOLE   569 0 0
FlexShares ETFs/USA STOXX GLOBR INF 33939L795   17,086 313 SH   SOLE   313 0 0
Fortinet Inc COM 34959E109   29,578 433 SH   SOLE   433 0 0
Fortive Corp COM 34959J108   4,301 50 SH   SOLE   50 0 0
GARTNER INC COM 366651107   1,491,500 3,129 SH   SOLE   567 0 2,562
GE HealthCare Technologies Inc COMMON STOCK 36266G107   4,727 52 SH   SOLE   52 0 0
GEN DYNAMICS CORP COM 369550108   93,222 330 SH   SOLE   330 0 0
GENERAL MILLS INC COM 370334104   244,895 3,500 SH   DFND   3,500 0 0
GENERAL MILLS INC COM 370334104   66,262 947 SH   SOLE   947 0 0
GOLDMAN SACHS GRP COM 38141G104   801,547 1,919 SH   SOLE   561 0 1,358
GSK PLC SPONSORED ADR 37733W204   164,621 3,840 SH   DFND   3,840 0 0
GSK PLC SPONSORED ADR 37733W204   106,489 2,484 SH   SOLE   2,484 0 0
General Electric Co COM NEW 369604301   575,563 3,279 SH   SOLE   3,279 0 0
General Motors Co COM 37045V100   19,047 420 SH   SOLE   420 0 0
Genesco Inc COM 371532102   28,140 1,000 SH   SOLE   1,000 0 0
Genuine Parts Co COM 372460105   57,944 374 SH   SOLE   374 0 0
Gilead Sciences Inc COM 375558103   233,668 3,190 SH   SOLE   2,937 0 253
Global Payments Inc COM 37940X102   1,470 11 SH   SOLE   11 0 0
Goldman Sachs Asset Management LP UNIT 38150K103   3,233 147 SH   SOLE   147 0 0
GraniteShares ETF Trust SHS BEN INT 38748T103   2,095 237 SH   SOLE   237 0 0
HALLIBURTON COM 406216101   17,108 434 SH   SOLE   434 0 0
HCA Healthcare Inc COM 40412C101   242,810 728 SH   SOLE   728 0 0
HDFC BANK SPONSORED ADS 40415F101   122,742 2,193 SH   SOLE   910 0 1,283
HERSHEY CO (THE) COM 427866108   3,307 17 SH   SOLE   17 0 0
HONDA MOTOR CO ADR ECH CNV IN 3 438128308   80,156 2,153 SH   SOLE   0 0 2,153
HSBC HLDGS SPON ADR NEW 404280406   84,545 2,148 SH   SOLE   0 0 2,148
HUBSPOT INC COM 443573100   10,652 17 SH   SOLE   17 0 0
HUMANA INC COM 444859102   60,676 175 SH   SOLE   175 0 0
Haleon PLC SPON ADS 405552100   22,923 2,700 SH   SOLE   2,700 0 0
Hartford Financial Services Gr COM 416515104   56,471 548 SH   SOLE   548 0 0
Henry Schein Inc COM 806407102   4,078 54 SH   SOLE   54 0 0
Hess Corp COM 42809H107   125,165 820 SH   SOLE   820 0 0
Hewlett Packard Enterprise Co COM 42824C109   9,468 534 SH   SOLE   534 0 0
Home Depot Inc/The COM 437076102   15,344 40 SH   DFND   40 0 0
Home Depot Inc/The COM 437076102   3,106,776 8,099 SH   SOLE   7,796 0 303
Honeywell International Inc COM 438516106   225,775 1,100 SH   DFND   1,100 0 0
Honeywell International Inc COM 438516106   699,082 3,406 SH   SOLE   3,406 0 0
Hubbell Inc COM 443510607   103,763 250 SH   SOLE   250 0 0
Huntington Bancshares Inc/OH COM 446150104   27,900 2,000 SH   DFND   2,000 0 0
Huntington Bancshares Inc/OH COM 446150104   30,174 2,163 SH   SOLE   1,210 0 953
ICICI BANK ADR 45104G104   163,584 6,194 SH   SOLE   0 0 6,194
ICON PLC SHS G4705A100   221,391 659 SH   SOLE   51 0 608
IDEXX Laboratories Inc COM 45168D104   13,498 25 SH   SOLE   25 0 0
ILLINOIS TOOL WKS COM 452308109   749,446 2,793 SH   SOLE   2,263 0 530
INTERCONTINENTAL EXCHANGE COM 45866F104   766,859 5,580 SH   SOLE   2,637 0 2,943
INTL BUSINESS MCHN COM 459200101   1,418,833 7,430 SH   SOLE   7,430 0 0
ISHARES SELECT DIVID ETF 464287168   15,521 126 SH   SOLE   126 0 0
ISHARES CORE S&P500 ETF 464287200   34,698 66 SH   DFND   66 0 0
ISHARES CORE S&P500 ETF 464287200   16,778,147 31,914 SH   SOLE   27,122 0 4,792
ISHARES S&P 500 GRWT ETF 464287309   234,828 2,781 SH   SOLE   2,781 0 0
ISHARES GLOB HLTHCRE ETF 464287325   19,748 212 SH   SOLE   212 0 0
ISHARES S&P 500 VAL ETF 464287408   240,985 1,290 SH   SOLE   1,290 0 0
ISHARES RUS 2000 VAL ETF 464287630   160,716 1,012 SH   SOLE   1,012 0 0
ISHARES RUSSELL 2000 ETF 464287655   1,723,198 8,194 SH   SOLE   8,194 0 0
ISHARES U.S. ENERGY ETF 464287796   551,205 11,158 SH   SOLE   11,158 0 0
ISHARES SP SMCP600VL ETF 464287879   92,484 900 SH   SOLE   900 0 0
ISHARES ISHARES 46428Q109   3,026 133 SH   SOLE   133 0 0
ISHARES CORE MSCI EAFE 46432F842   13,539,584 182,425 SH   SOLE   138,104 0 44,321
ISHARES GOLD TRUST ISHARES NEW 464285204   540,585 12,868 SH   SOLE   12,868 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   2,002,280 48,741 SH   SOLE   48,741 0 0
ISHARES TRUST 1 3 YR TREAS BD 464287457   98,136 1,200 SH   SOLE   1,200 0 0
ISHARES TRUST RUS 1000 VAL ETF 464287598   2,231,173 12,457 SH   SOLE   12,457 0 0
ISHARES TRUST IBOXX HI YD ETF 464288513   18,966 244 SH   SOLE   244 0 0
ISHARES/USA RUS 1000 GRW ETF 464287614   7,200,736 21,364 SH   SOLE   21,364 0 0
ISHARES/USA S&P SML 600 GWT 464287887   628,942 4,811 SH   SOLE   4,811 0 0
ISHARES/USA NATIONAL MUN ETF 464288414   3,790,425 35,227 SH   SOLE   34,721 0 506
Illumina Inc COM 452327109   56,164 409 SH   SOLE   279 0 130
Ingersoll Rand Inc COM 45687V106   253,706 2,672 SH   SOLE   1,636 0 1,036
Intel Corp COM 458140100   309,853 7,015 SH   SOLE   7,015 0 0
International Seaways Inc COM Y41053102   5,320 100 SH   SOLE   100 0 0
Intuit Inc COM 461202103   943,150 1,451 SH   SOLE   1,451 0 0
Intuitive Surgical Inc COM NEW 46120E602   263,798 661 SH   SOLE   661 0 0
Invesco ETFs/USA UNIT SER 1 46090E103   297,043 669 SH   SOLE   669 0 0
Invesco ETFs/USA S&P500 EQL WGT 46137V357   345,684 2,041 SH   SOLE   2,041 0 0
Itau Unibanco Holding SA SPON ADR REP PFD 465562106   95,308 13,753 SH   SOLE   0 0 13,753
JPMorgan Chase & Co COM 46625H100   1,301,950 6,500 SH   DFND   6,500 0 0
JPMorgan Chase & Co COM 46625H100   4,035,644 20,148 SH   SOLE   16,553 0 3,595
JUNIPER NETWORKS COM 48203R104   34,873 941 SH   SOLE   941 0 0
Jacobs Solutions Inc COM 46982L108   47,810 311 SH   SOLE   311 0 0
Johnson & Johnson COM 478160104   395,475 2,500 SH   DFND   2,500 0 0
Johnson & Johnson COM 478160104   3,109,383 19,656 SH   SOLE   16,056 0 3,600
Johnson Controls International SHS G51502105   143,181 2,192 SH   SOLE   2,192 0 0
KIMBERLY-CLARK CP COM 494368103   258,700 2,000 SH   DFND   2,000 0 0
KIMBERLY-CLARK CP COM 494368103   283,665 2,193 SH   SOLE   2,085 0 108
KKR & Co Inc COM 48251W104   8,449 84 SH   SOLE   84 0 0
KLA Corp COM NEW 482480100   410,061 587 SH   SOLE   587 0 0
KROGER COM 501044101   785,709 13,753 SH   SOLE   13,753 0 0
Kartoon Studios Inc COM NEW 37229T509   137 100 SH   SOLE   100 0 0
Kenvue Inc COM 49177J102   9,399 438 SH   SOLE   0 0 438
KeyCorp COM 493267108   12,142 768 SH   SOLE   768 0 0
Kingdom of Norway Ministry of SPONSORED ADR 29446M102   100,741 3,727 SH   SOLE   0 0 3,727
Kronos I UK Ltd SPONSORED ADR 042068205   12,499 100 SH   SOLE   100 0 0
Kyndryl Holdings Inc COMMON STOCK 50155Q100   17,408 800 SH   SOLE   800 0 0
L3Harris Technologies Inc COM 502431109   69,897 328 SH   SOLE   328 0 0
LENNAR CORP CL A 526057104   719,736 4,185 SH   SOLE   235 0 3,950
LOWE'S COS INC COM 548661107   650,580 2,554 SH   SOLE   2,044 0 510
LULULEMON ATHLETIC COM 550021109   39,065 100 SH   DFND   100 0 0
LULULEMON ATHLETIC COM 550021109   24,220 62 SH   SOLE   62 0 0
Laboratory Corp of America Hol COM NEW 50540R409   544,402 2,492 SH   SOLE   226 0 2,266
Lam Research Corp COM 512807108   564,482 581 SH   SOLE   403 0 178
Lennar Corp CL B 526057302   12,180 79 SH   SOLE   0 0 79
Lincoln Electric Holdings Inc COM 533900106   122,867 481 SH   SOLE   481 0 0
Linde PLC SHS G54950103   163,905 353 SH   SOLE   353 0 0
Littelfuse Inc COM 537008104   48,470 200 SH   SOLE   200 0 0
Lockheed Martin Corp COM 539830109   18,195 40 SH   DFND   40 0 0
Lockheed Martin Corp COM 539830109   374,358 823 SH   SOLE   823 0 0
Lumentum Holdings Inc COM 55024U109   2,131 45 SH   SOLE   45 0 0
LyondellBasell Industries NV SHS - A - N53745100   52,981 518 SH   SOLE   339 0 179
M&T Bank Corp COM 55261F104   9,744 67 SH   SOLE   67 0 0
MARATHON OIL CORP COM 565849106   17,032 601 SH   SOLE   601 0 0
MARSH & MCLENNAN COM 571748102   212,983 1,034 SH   SOLE   1,034 0 0
MASTERCARD INC CL A 57636Q104   4,006,181 8,319 SH   SOLE   1,913 0 6,406
MCDONALD'S CORP COM 580135101   288,999 1,025 SH   DFND   1,025 0 0
MCDONALD'S CORP COM 580135101   640,872 2,273 SH   SOLE   1,800 0 473
MCKESSON CORP COM 58155Q103   362,374 675 SH   SOLE   675 0 0
MGM MIRAGE INC COM 552953101   143,046 3,030 SH   SOLE   300 0 2,730
MICROSOFT CORP COM 594918104   252,432 600 SH   DFND   600 0 0
MICROSOFT CORP COM 594918104   14,427,330 34,292 SH   SOLE   20,002 0 14,290
MOODYS CORP COM 615369105   132,844 338 SH   SOLE   338 0 0
MORGAN STANLEY COM NEW 617446448   595,185 6,321 SH   SOLE   6,321 0 0
MOTOROLA INC COM NEW 620076307   516,141 1,454 SH   SOLE   1,454 0 0
MSCI Inc COM 55354G100   36,429 65 SH   SOLE   65 0 0
Magna International Inc COM 559222401   52,846 970 SH   SOLE   0 0 970
Marathon Petroleum Corp COM UNIT REP LTD 55336V100   2,078 50 SH   SOLE   50 0 0
Marathon Petroleum Corp COM 56585A102   385,873 1,915 SH   SOLE   1,915 0 0
Marriott International Inc/MD CL A 571903202   319,677 1,267 SH   SOLE   1,267 0 0
Marvell Technology Inc COM 573874104   571,860 8,068 SH   SOLE   295 0 7,773
Masterbrand Inc COMMON STOCK 57638P104   187 10 SH   SOLE   10 0 0
Medtronic PLC SHS G5960L103   757,856 8,696 SH   SOLE   2,261 0 6,435
MercadoLibre Inc COM 58733R102   15,120 10 SH   SOLE   10 0 0
Merck & Co Inc COM 58933Y105   395,850 3,000 SH   DFND   3,000 0 0
Merck & Co Inc COM 58933Y105   1,444,193 10,945 SH   SOLE   9,565 0 1,380
MetLife Inc COM 59156R108   677,514 9,142 SH   SOLE   9,142 0 0
Meta Platforms Inc CL A 30303M102   1,907,358 3,928 SH   SOLE   3,884 0 44
Microchip Technology Inc COM 595017104   54,454 607 SH   SOLE   607 0 0
Micron Technology Inc COM 595112103   971,178 8,238 SH   SOLE   5,688 0 2,550
Mondelez International Inc CL A 609207105   680,960 9,728 SH   SOLE   7,538 0 2,190
MongoDB Inc CL A 60937P106   6,456 18 SH   SOLE   18 0 0
Monster Beverage Corp COM 61174X109   238,187 4,018 SH   SOLE   4,018 0 0
Morningstar Inc COM 617700109   30,837 100 SH   SOLE   100 0 0
Murphy Oil Corp COM 626717102   10,191 223 SH   SOLE   223 0 0
NETFLIX INC COM 64110L106   3,588,713 5,909 SH   SOLE   666 0 5,243
NEXTERA ENERGY COM 65339F101   255,640 4,000 SH   DFND   4,000 0 0
NEXTERA ENERGY COM 65339F101   941,139 14,726 SH   SOLE   12,634 0 2,092
NIKE INC CL B 654106103   1,821,708 19,384 SH   SOLE   5,250 0 14,134
NORTHERN TRUST CORP COM 665859104   27,032 304 SH   SOLE   304 0 0
NORTHROP GRUMMAN COM 666807102   71,320 149 SH   SOLE   149 0 0
NRG Energy Inc COM NEW 629377508   24,910 368 SH   SOLE   368 0 0
NVIDIA Corp COM 67066G104   903,560 1,000 SH   DFND   1,000 0 0
NVIDIA Corp COM 67066G104   9,536,172 10,554 SH   SOLE   10,554 0 0
NXP Semiconductors NV COM N6596X109   1,487 6 SH   SOLE   6 0 0
National Grid PLC SPONSORED ADR NE 636274409   238,770 3,500 SH   DFND   3,500 0 0
National Grid PLC SPONSORED ADR NE 636274409   98,987 1,451 SH   SOLE   1,178 0 273
Newmont Corp COM 651639106   68,239 1,904 SH   SOLE   1,904 0 0
Nice Ltd SPONSORED ADR 653656108   150,638 578 SH   SOLE   0 0 578
Nordson Corp COM 655663102   55,732 203 SH   SOLE   203 0 0
Norfolk Southern Corp COM 655844108   155,980 612 SH   SOLE   612 0 0
Novartis AG SPONSORED ADR 66987V109   88,024 910 SH   SOLE   100 0 810
Novo Holdings A/S ADR 670100205   1,387,105 10,803 SH   SOLE   782 0 10,021
Nucor Corp COM 670346105   339,992 1,718 SH   SOLE   1,718 0 0
O'Reilly Automotive Inc COM 67103H107   102,728 91 SH   SOLE   91 0 0
OMNICOM GROUP INC COM 681919106   3,290 34 SH   SOLE   34 0 0
ON Semiconductor Corp COM 682189105   7,355 100 SH   SOLE   100 0 0
ONEOK Inc COM 682680103   10,582 132 SH   SOLE   132 0 0
OPKO Health Inc COM 68375N103   2,400 2,000 SH   SOLE   2,000 0 0
ORACLE CORP COM 68389X105   673,144 5,359 SH   SOLE   5,359 0 0
Occidental Petroleum Corp COM 674599105   18,132 279 SH   SOLE   215 0 64
Old Dominion Freight Line Inc COM 679580100   12,281 56 SH   SOLE   56 0 0
On Holding AG NAMEN AKT A H5919C104   59,155 1,672 SH   SOLE   1,672 0 0
Organon & Co COMMON STOCK 68622V106   5,640 300 SH   DFND   300 0 0
Organon & Co COMMON STOCK 68622V106   3,647 194 SH   SOLE   194 0 0
Otis Worldwide Corp COM 68902V107   37,226 375 SH   DFND   375 0 0
Otis Worldwide Corp COM 68902V107   145,728 1,468 SH   SOLE   1,468 0 0
Owens Corning COM 690742101   195,156 1,170 SH   SOLE   1,170 0 0
PACCAR INC COM 693718108   44,972 363 SH   SOLE   363 0 0
PARKER-HANNIFIN COM 701094104   61,693 111 SH   SOLE   111 0 0
PEPSICO INC COM 713448108   175,010 1,000 SH   DFND   1,000 0 0
PEPSICO INC COM 713448108   1,090,837 6,233 SH   SOLE   5,760 0 473
PHILIP MORRIS INTL COM 718172109   265,698 2,900 SH   DFND   2,900 0 0
PHILIP MORRIS INTL COM 718172109   586,734 6,404 SH   SOLE   4,820 0 1,584
PIONEER NATURAL RESOURCE COM 723787107   128,363 489 SH   SOLE   489 0 0
PNC Financial Services Group I COM 693475105   502,091 3,107 SH   SOLE   449 0 2,658
PPG Industries Inc COM 693506107   556,851 3,843 SH   SOLE   127 0 3,716
PPL CORP COM 69351T106   34,413 1,250 SH   DFND   1,250 0 0
PPL CORP COM 69351T106   38,404 1,395 SH   SOLE   1,136 0 259
PROGRESSIVE CP(OH) COM 743315103   218,402 1,056 SH   SOLE   1,056 0 0
PRUDENTIAL FINL COM 744320102   51,656 440 SH   SOLE   440 0 0
PULTE HOMES INC COM 745867101   50,781 421 SH   SOLE   421 0 0
Palantir Technologies Inc CL A 69608A108   23,010 1,000 SH   SOLE   1,000 0 0
Palo Alto Networks Inc COM 697435105   140,360 494 SH   SOLE   494 0 0
Pangaea Logistics Solutions Lt SHS G6891L105   6,970 1,000 SH   SOLE   1,000 0 0
PayPal Holdings Inc COM 70450Y103   104,370 1,558 SH   SOLE   1,558 0 0
Paychex Inc COM 704326107   47,278 385 SH   SOLE   344 0 41
Penske Automotive Group Inc COM 70959W103   8,100 50 SH   SOLE   50 0 0
Pfizer Inc COM 717081103   876,595 31,589 SH   SOLE   29,144 0 2,445
Phillips 66 COM 718546104   192,088 1,176 SH   SOLE   1,176 0 0
Phinia Inc COMMON STOCK 71880K101   1,960 51 SH   SOLE   11 0 40
Pimco ETFs/USA ENHAN SHRT MA AC 72201R833   205,705 2,046 SH   SOLE   2,046 0 0
ProShare Advisors LLC S&P 500 DV ARIST 74348A467   22,310 220 SH   SOLE   220 0 0
Procter & Gamble Co/The COM 742718109   324,500 2,000 SH   DFND   2,000 0 0
Procter & Gamble Co/The COM 742718109   2,018,066 12,438 SH   SOLE   11,742 0 696
Prologis Inc COM 74340W103   141,289 1,085 SH   SOLE   1,085 0 0
Prudential PLC ADR 74435K204   35,669 1,851 SH   SOLE   0 0 1,851
Public Service Enterprise Grou COM 744573106   200,073 2,996 SH   SOLE   2,996 0 0
Public Storage COM 74460D109   145,030 500 SH   DFND   500 0 0
QUALCOMM Inc COM 747525103   484,029 2,859 SH   SOLE   2,859 0 0
Quanta Services Inc COM 74762E102   41,048 158 SH   SOLE   158 0 0
REALTY INCOME CORP COM 756109104   40,575 750 SH   DFND   750 0 0
REALTY INCOME CORP COM 756109104   38,790 717 SH   SOLE   608 0 109
REGENERON PHARMACEUTICALS COM 75886F107   25,987 27 SH   SOLE   27 0 0
RELX PLC SPONSORED ADR 759530108   151,731 3,505 SH   SOLE   0 0 3,505
RESTAURANT BRANDS INTERNATIONA COM 76131D103   99,154 1,248 SH   SOLE   0 0 1,248
ROCKWELL AUTOMATION COM 773903109   411,067 1,411 SH   SOLE   71 0 1,340
ROPER INDUSTRIES INC COM 776696106   17,947 32 SH   SOLE   32 0 0
ROYAL CARIBBEAN COM V7780T103   70,617 508 SH   SOLE   508 0 0
RTX Corp COM 75513E101   73,148 750 SH   DFND   750 0 0
RTX Corp COM 75513E101   1,159,242 11,886 SH   SOLE   5,284 0 6,602
Regions Financial Corp COM 7591EP100   12,708 604 SH   SOLE   604 0 0
Reliance Inc COM 759509102   324,155 970 SH   SOLE   970 0 0
Republic Services Inc COM 760759100   11,104 58 SH   SOLE   58 0 0
Rio Tinto PLC SPONSORED ADR 767204100   70,369 1,104 SH   SOLE   0 0 1,104
Rogers Communications Inc CL B 775109200   42,025 1,025 SH   SOLE   0 0 1,025
Ross Stores Inc COM 778296103   25,683 175 SH   SOLE   175 0 0
Ryder System Inc COM 783549108   6,010 50 SH   SOLE   50 0 0
S&P Global Inc COM 78409V104   287,179 675 SH   SOLE   431 0 244
SALESFORCE.COM INC COM 79466L302   3,896,667 12,938 SH   SOLE   3,045 0 9,893
SAP SE SPON ADR 803054204   98,880 507 SH   SOLE   507 0 0
SELECT SECTOR SPDR SBI HEALTHCARE 81369Y209   101,638 688 SH   SOLE   688 0 0
SELECT SECTOR SPDR ENERGY 81369Y506   3,735,048 39,562 SH   SOLE   8,968 0 30,594
SELECT SECTOR SPDR FINANCIAL 81369Y605   212,538 5,046 SH   SOLE   5,046 0 0
SELECT SECTOR SPDR TECHNOLOGY 81369Y803   145,789 700 SH   SOLE   700 0 0
SEMPRA ENERGY COM 816851109   628,513 8,750 SH   SOLE   869 0 7,881
SIMON PROP GROUP COM 828806109   3,756 24 SH   SOLE   24 0 0
SOUTHWEST AIRLINES COM 844741108   64,860 2,222 SH   SOLE   2,222 0 0
SPDR DOW JONES IND UT SER 1 78467X109   53,698 135 SH   SOLE   135 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853   571,657 13,282 SH   SOLE   13,282 0 0
SPDR SERIES TRUST DJ REIT ETF 78464A607   94,533 1,003 SH   SOLE   1,003 0 0
SPDR SERIES TRUST NUVEEN BLMBRG MU 78468R721   33,884 729 SH   SOLE   729 0 0
SSGA FUNDS MANAGEMENT INC GLB NAT RESRCE 78463X541   28,096 485 SH   SOLE   485 0 0
SSGA FUNDS MANAGEMENT INC PORTFOLIO DEVLPD 78463X889   85,478 2,385 SH   SOLE   2,385 0 0
SSGA Funds Management Inc S&P DIVID ETF 78464A763   76,382 582 SH   SOLE   582 0 0
STARBUCKS CORP COM 855244109   105,555 1,155 SH   SOLE   1,155 0 0
STATE STREET ETF/USA UTSER1 S&PDCRP 78467Y107   8,303,157 14,923 SH   SOLE   14,834 0 89
SYNCHRONY FINANCIAL COM 87165B103   29,968 695 SH   SOLE   375 0 320
Sanofi SA SPONSORED ADR 80105N105   243,000 5,000 SH   DFND   5,000 0 0
Sanofi SA SPONSORED ADR 80105N105   28,237 581 SH   SOLE   388 0 193
Schlumberger NV COM STK 806857108   75,364 1,375 SH   SOLE   1,375 0 0
Schwab ETFs/USA US REIT ETF 808524847   233,552 11,505 SH   SOLE   4,768 0 6,737
Sea Ltd SPONSORD ADS 81141R100   5,102 95 SH   SOLE   95 0 0
Seagate Technology Holdings PL ORD SHS G7997R103   59,552 640 SH   SOLE   640 0 0
ServiceNow Inc COM 81762P102   3,073,234 4,031 SH   SOLE   533 0 3,498
Shell PLC SPON ADS 780259305   227,668 3,396 SH   SOLE   1,638 0 1,758
Sherwin-Williams Co/The COM 824348106   58,699 169 SH   SOLE   169 0 0
Skyworks Solutions Inc COM 83088M102   2,491 23 SH   SOLE   23 0 0
Smith & Nephew PLC SPDN ADR NEW 83175M205   53,915 2,126 SH   SOLE   0 0 2,126
Snowflake Inc CL A 833445109   7,434 46 SH   SOLE   46 0 0
Sony Group Corp SPONSORED ADR 835699307   116,521 1,359 SH   SOLE   500 0 859
Southern Co/The COM 842587107   286,960 4,000 SH   DFND   4,000 0 0
Southern Co/The COM 842587107   296,214 4,129 SH   SOLE   3,919 0 210
Starwood Property Trust Inc COM 85571B105   35,171 1,730 SH   SOLE   1,730 0 0
State Street Corp COM 857477103   11,598 150 SH   SOLE   150 0 0
State Street ETF/USA TR UNIT 78462F103   9,510,459 18,182 SH   SOLE   11,547 0 6,635
State Street ETF/USA SPDR MSCI USA GE 78468R747   199,652 1,886 SH   SOLE   1,886 0 0
Steel Dynamics Inc COM 858119100   13,934 94 SH   SOLE   94 0 0
Stryker Corp COM 863667101   27,556 77 SH   SOLE   77 0 0
Synopsys Inc COM 871607107   12,573 22 SH   SOLE   22 0 0
Sysco Corp COM 871829107   414,992 5,112 SH   SOLE   707 0 4,405
T-MOBILE US INC COM 872590104   150,815 924 SH   SOLE   924 0 0
TC Energy Corp COM 87807B107   28,582 711 SH   SOLE   386 0 325
TE Connectivity Ltd SHS H84989104   610,734 4,205 SH   SOLE   636 0 3,569
TEXAS INSTRUMENTS COM 882508104   1,548,901 8,891 SH   SOLE   5,186 0 3,705
TJX Cos Inc/The COM 872540109   769,372 7,586 SH   SOLE   4,009 0 3,577
TORONTO-DOMINION COM NEW 891160509   136,519 2,261 SH   SOLE   2,261 0 0
TRACTOR SUPPLY CO COM 892356106   7,066 27 SH   SOLE   27 0 0
TRAVEL PLUS LEISURE CO COM 894164102   4,896 100 SH   SOLE   100 0 0
TRAVELERS CO INC COM 89417E109   336,004 1,460 SH   SOLE   1,460 0 0
TSMC SPONSORED ADS 874039100   512,364 3,766 SH   SOLE   909 0 2,857
Targa Resources Corp COM 87612G101   50,396 450 SH   SOLE   450 0 0
Target Corp COM 87612E106   185,362 1,046 SH   SOLE   1,046 0 0
Teradyne Inc COM 880770102   56,415 500 SH   SOLE   500 0 0
Tesla Inc COM 88160R101   606,651 3,451 SH   SOLE   3,451 0 0
Textron Inc COM 883203101   18,610 194 SH   SOLE   194 0 0
Thermo Fisher Scientific Inc COM 883556102   3,286,743 5,655 SH   SOLE   1,091 0 4,564
TotalEnergies SE SPONSORED ADS 89151E109   211,721 3,076 SH   SOLE   2,738 0 338
Trade Desk Inc/The COM CL A 88339J105   33,394 382 SH   SOLE   382 0 0
Tradeweb Markets Inc CL A 892672106   15,313 147 SH   SOLE   147 0 0
Trane Technologies PLC SHS G8994E103   1,282,154 4,271 SH   SOLE   3,246 0 1,025
Truist Financial Corp COM 89832Q109   132,259 3,393 SH   SOLE   3,079 0 314
Tyson Foods Inc CL A 902494103   5,873 100 SH   SOLE   100 0 0
US Bancorp COM NEW 902973304   67,810 1,517 SH   SOLE   1,179 0 338
UTD PARCEL SERV CL B 911312106   185,788 1,250 SH   DFND   1,250 0 0
UTD PARCEL SERV CL B 911312106   252,522 1,699 SH   SOLE   1,640 0 59
Uber Technologies Inc COM 90353T100   342,759 4,452 SH   SOLE   535 0 3,917
Ulta Beauty Inc COM 90384S303   74,249 142 SH   SOLE   142 0 0
Unilever PLC SPON ADR NEW 904767704   50,190 1,000 SH   DFND   1,000 0 0
Unilever PLC SPON ADR NEW 904767704   172,252 3,432 SH   SOLE   1,305 0 2,127
Union Pacific Corp COM 907818108   711,967 2,895 SH   SOLE   860 0 2,035
UnitedHealth Group Inc COM 91324P102   3,354,561 6,781 SH   SOLE   3,276 0 3,505
VANGUARD S&P 500 ETF SHS 922908363   195,164 406 SH   DFND   406 0 0
VANGUARD S&P 500 ETF SHS 922908363   62,062,696 129,109 SH   SOLE   52,262 0 76,847
VANGUARD ETF/USA DIV APP ETF 921908844   661,596 3,623 SH   SOLE   0 0 3,623
VANGUARD ETF/USA VG TL INTL STK F 921909768   33,044 548 SH   SOLE   548 0 0
VANGUARD ETF/USA FTSE EMR MKT ETF 922042858   1,451,633 34,753 SH   SOLE   22,220 0 12,533
VANGUARD ETF/USA INF TECH ETF 92204A702   262,170 500 SH   SOLE   500 0 0
VANGUARD ETF/USA SHRT TRM CORP BD 92206C409   8,436,531 109,126 SH   SOLE   103,402 0 5,724
VANGUARD ETF/USA SM CP VAL ETF 922908611   2,085,352 10,868 SH   SOLE   5,546 0 5,322
VANGUARD ETF/USA TOTAL STK MKT 922908769   1,090,021 4,194 SH   SOLE   4,194 0 0
VANGUARD GROUP INC/THE SHORT TERM TREAS 92206C102   904,208 15,571 SH   SOLE   15,571 0 0
VANGUARD WHITEHALL HIGH DIV YLD 921946406   165,030 1,364 SH   DFND   1,364 0 0
VANGUARD WHITEHALL HIGH DIV YLD 921946406   32,667 270 SH   SOLE   270 0 0
VERIZON COMMUN COM 92343V104   272,740 6,500 SH   DFND   6,500 0 0
VERIZON COMMUN COM 92343V104   160,623 3,828 SH   SOLE   3,306 0 522
VIATRIS INC COM 92556V106   13,946 1,168 SH   SOLE   1,168 0 0
VISA INC COM CL A 92826C839   4,667,055 16,723 SH   SOLE   5,048 0 11,675
Valero Energy Corp COM 91913Y100   478,615 2,804 SH   SOLE   2,293 0 511
Vanguard ETF/USA TOTAL BND MRKT 921937835   5,283,179 72,741 SH   SOLE   67,688 0 5,053
Vanguard ETF/USA VAN FTSE DEV MKT 921943858   2,034,745 40,557 SH   SOLE   9,637 0 30,920
Vanguard ETF/USA ALLWRLD EX US 922042775   99,705 1,700 SH   SOLE   1,700 0 0
Vanguard ETF/USA ENERGY ETF 92204A306   3,782,951 28,724 SH   SOLE   7,858 0 20,866
Vanguard ETF/USA TAX EXEMPT BD 922907746   12,222,126 241,544 SH   SOLE   236,536 0 5,008
Vanguard ETF/USA MCAP VL IDXVIP 922908512   2,131,134 13,669 SH   SOLE   7,140 0 6,529
Vanguard ETF/USA MCAP GR IDXVIP 922908538   188,632 800 SH   SOLE   800 0 0
Vanguard ETF/USA REAL ESTATE ETF 922908553   445,372 5,150 SH   DFND   5,150 0 0
Vanguard ETF/USA REAL ESTATE ETF 922908553   3,805,034 43,999 SH   SOLE   42,194 0 1,805
Vanguard ETF/USA SML CP GRW ETF 922908595   32,851 126 SH   SOLE   126 0 0
Vanguard ETF/USA MID CAP ETF 922908629   6,065,102 24,274 SH   SOLE   14,712 0 9,562
Vanguard ETF/USA GROWTH ETF 922908736   54,728 159 SH   SOLE   159 0 0
Vanguard ETF/USA VALUE ETF 922908744   9,021,304 55,393 SH   SOLE   31,309 0 24,084
Vanguard ETF/USA SMALL CP ETF 922908751   5,562,738 24,335 SH   SOLE   13,765 0 10,570
Vanguard Group Inc/The LARGE CAP ETF 922908637   87,752 366 SH   SOLE   366 0 0
Ventas Inc COM 92276F100   19,593 450 SH   SOLE   450 0 0
Veralto Corp COM SHS 92338C103   20,214 228 SH   SOLE   228 0 0
Verisk Analytics Inc COM 92345Y106   21,451 91 SH   SOLE   91 0 0
Vertex Pharmaceuticals Inc COM 92532F100   168,040 402 SH   SOLE   402 0 0
Virgin Galactic Holdings Inc COM 92766K106   505 341 SH   SOLE   341 0 0
Vodafone Group PLC SPONSORED ADR 92857W308   2,305 259 SH   SOLE   259 0 0
Vontier Corp COM 928881101   726 16 SH   SOLE   16 0 0
Voya Financial Inc COM 929089100   203,797 2,757 SH   SOLE   2,567 0 190
WASTE MANAGEMENT COM 94106L109   214,216 1,005 SH   SOLE   1,005 0 0
WELLS FARGO & CO COM 949746101   174,691 3,014 SH   SOLE   3,014 0 0
WELLS FARGO & COMPANY PERP PFD CNV A 949746804   54,871 45 SH   SOLE   45 0 0
WELLTOWER INC COM COM 95040Q104   70,080 750 SH   SOLE   750 0 0
Walgreens Boots Alliance Inc COM 931427108   6,767 312 SH   SOLE   312 0 0
Walmart Inc COM 931142103   1,108,873 18,429 SH   SOLE   18,429 0 0
Walt Disney Co/The COM 254687106   746,029 6,097 SH   SOLE   6,097 0 0
Warner Bros Discovery Inc COM SER A 934423104   3,571 409 SH   SOLE   409 0 0
Waste Connections Inc COM 94106B101   63,472 369 SH   SOLE   369 0 0
Waters Corp COM 941848103   407,224 1,183 SH   SOLE   29 0 1,154
Westinghouse Air Brake Technol COM 929740108   8,012 55 SH   SOLE   55 0 0
Weyerhaeuser Co COM NEW 962166104   8,942 249 SH   SOLE   249 0 0
Williams Cos Inc/The COM 969457100   613,972 15,755 SH   SOLE   4,634 0 11,121
Woodside Energy Group Ltd SPONSORED ADR 980228308   60,190 3,014 SH   SOLE   0 0 3,014
Workday Inc CL A 98138H101   1,194,918 4,381 SH   SOLE   209 0 4,172
XP INC CL A G98239109   56,298 2,194 SH   SOLE   0 0 2,194
Xcel Energy Inc COM 98389B100   6,665 124 SH   SOLE   0 0 124
Xylem Inc/NY COM 98419M100   29,984 232 SH   SOLE   232 0 0
YETI Holdings Inc COM 98585X104   34,695 900 SH   SOLE   900 0 0
YUM BRANDS INC COM 988498101   371,998 2,683 SH   SOLE   1,803 0 880
Yelp Inc CL A 985817105   20,606 523 SH   SOLE   523 0 0
Yum China Holdings Inc COM 98850P109   91,796 2,307 SH   SOLE   0 0 2,307
Zoetis Inc CL A 98978V103   1,418,149 8,381 SH   SOLE   1,766 0 6,615
iShares ETFs/USA CORE S&P TTL STK 464287150   6,838,443 59,310 SH   SOLE   59,310 0 0
iShares ETFs/USA CORE US AGGBD ET 464287226   4,204,564 42,930 SH   SOLE   40,946 0 1,984
iShares ETFs/USA MSCI EAFE ETF 464287465   141,752 1,775 SH   DFND   1,775 0 0
iShares ETFs/USA MSCI EAFE ETF 464287465   5,952,205 74,533 SH   SOLE   67,034 0 7,499
iShares ETFs/USA RUS MDCP VAL ETF 464287473   350,673 2,798 SH   SOLE   2,798 0 0
iShares ETFs/USA RUS MD CP GR ETF 464287481   256,358 2,246 SH   SOLE   2,246 0 0
iShares ETFs/USA RUS MID CAP ETF 464287499   2,152,704 25,600 SH   SOLE   25,600 0 0
iShares ETFs/USA CORE S&P MCP ETF 464287507   70,762 1,165 SH   DFND   1,165 0 0
iShares ETFs/USA CORE S&P MCP ETF 464287507   42,121,186 693,467 SH   SOLE   549,230 0 144,237
iShares ETFs/USA S&P MC 400GR ETF 464287606   134,320 1,472 SH   SOLE   1,472 0 0
iShares ETFs/USA RUS 2000 GRW ETF 464287648   115,632 427 SH   SOLE   427 0 0
iShares ETFs/USA RUSSELL 3000 ETF 464287689   154,541 515 SH   SOLE   515 0 0
iShares ETFs/USA S&P MC 400VL ETF 464287705   154,368 1,305 SH   SOLE   1,305 0 0
iShares ETFs/USA CORE S&P SCP ETF 464287804   333,770 3,020 SH   DFND   3,020 0 0
iShares ETFs/USA CORE S&P SCP ETF 464287804   34,204,061 309,483 SH   SOLE   238,157 0 71,326
iShares ETFs/USA MSCI ACWI EX US 464288240   26,962 505 SH   SOLE   505 0 0
iShares ETFs/USA EAFE SML CP ETF 464288273   63,647 1,005 SH   SOLE   1,005 0 0
iShares ETFs/USA ISHS 1-5YR INVS 464288646   477,263 9,307 SH   SOLE   9,307 0 0
iShares ETFs/USA PFD AND INCM SEC 464288687   49,151 1,525 SH   SOLE   1,525 0 0
iShares ETFs/USA MSCI USA ESG SLC 464288802   254,148 2,328 SH   SOLE   2,328 0 0
iShares ETFs/USA US TREAS BD ETF 46429B267   57,676 2,533 SH   SOLE   2,533 0 0
iShares ETFs/USA MSCI USA MIN VOL 46429B697   343,179 4,106 SH   SOLE   4,106 0 0
iShares ETFs/USA GSCI CMDTY STGY 46431W853   104,760 3,880 SH   SOLE   3,880 0 0
iShares ETFs/USA MRNGSTR INC ETF 46432F875   78,564 3,942 SH   DFND   3,942 0 0
iShares ETFs/USA CORE MSCI EMKT 46434G103   28,586 554 SH   DFND   554 0 0
iShares ETFs/USA CORE MSCI EMKT 46434G103   6,499,484 125,959 SH   SOLE   106,445 0 19,514
iShares ETFs/USA MSCI EMRG CHN 46434G764   24,755 430 SH   SOLE   430 0 0
iShares ETFs/USA IBONDS DEC25 ETF 46434VBD1   18,732 755 SH   SOLE   755 0 0
iShares ETFs/USA IBONDS DEC2026 46435GAA0   20,273 850 SH   SOLE   850 0 0
iShares ETFs/USA IBONDS 24 TRM HG 46435U184   2,098 90 SH   SOLE   90 0 0
iShares ETFs/USA IBDS DEC28 ETF 46435U515   16,188 650 SH   SOLE   650 0 0
iShares ETFs/USA BROAD USD HIGH 46435U853   4,092,152 111,838 SH   SOLE   104,409 0 7,429
iShares ETFs/USA IBONDS DEC 2032 46436E296   11,720 517 SH   SOLE   517 0 0
iShares ETFs/USA IBONDS DEC 2031 46436E486   9,733 475 SH   SOLE   475 0 0
iShares ETFs/USA ESG SCRND S&P500 46436E569   155,637 3,863 SH   SOLE   3,863 0 0
iShares ETFs/USA IBONDS 29 TRM TS 46436E825   24,188 1,125 SH   SOLE   1,125 0 0
iShares ETFs/USA IBONDS 27 TRM TS 46436E841   28,808 1,300 SH   SOLE   1,300 0 0