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
ABBOTT LABS COM 002824100   242,671 2,506 SH   SOLE   0 0 2,506
ABBOTT LABS COM 002824100   4,843 50 SH   DFND   0 0 50
ABBVIE INC COM 00287Y109   207,492 1,392 SH   SOLE   0 0 1,392
ABBVIE INC COM 00287Y109   10,733 72 SH   DFND   0 0 72
ABRDN ASIA PACIFIC INCOME FU COM 003009107   73,500 30,000 SH   SOLE   0 0 30,000
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   295,160 961 SH   SOLE   0 0 961
ALPHABET INC CAP STK CL C 02079K107   871,002 6,606 SH   SOLE   0 0 6,606
ALPHABET INC CAP STK CL A 02079K305   799,686 6,111 SH   SOLE   0 0 6,111
ALPHABET INC CAP STK CL A 02079K305   34,417 263 SH   DFND   0 0 263
AMAZON COM INC COM 023135106   2,053,624 16,155 SH   SOLE   0 0 16,155
AMAZON COM INC COM 023135106   16,399 129 SH   DFND   0 0 129
AMERICAN CENTY ETF TR US EQT ETF 025072885   14,006,321 191,186 SH   SOLE   0 0 191,186
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   3,424,649 64,873 SH   SOLE   0 0 64,873
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   3,064,068 55,060 SH   SOLE   0 0 55,060
AMERICAN CENTY ETF TR US SML CP VALU 025072877   398,163 5,108 SH   SOLE   0 0 5,108
AMERICAN EXPRESS CO COM 025816109   396,249 2,656 SH   SOLE   0 0 2,656
AMERICAN TOWER CORP NEW COM 03027X100   256,378 1,559 SH   SOLE   0 0 1,559
AMGEN INC COM 031162100   220,652 821 SH   SOLE   0 0 821
AMGEN INC COM 031162100   6,719 25 SH   DFND   0 0 25
APPLE INC COM 037833100   9,718,764 56,765 SH   SOLE   0 0 56,765
APPLE INC COM 037833100   59,582 348 SH   DFND   0 0 348
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   3,170,215 9,050 SH   SOLE   0 0 9,050
CATERPILLAR INC COM 149123101   576,030 2,110 SH   SOLE   0 0 2,110
CHEVRON CORP NEW COM 166764100   219,530 1,302 SH   SOLE   0 0 1,302
CHEVRON CORP NEW COM 166764100   32,207 191 SH   DFND   0 0 191
CHUBB LIMITED COM H1467J104   1,214,523 5,834 SH   SOLE   0 0 5,834
CISCO SYS INC COM 17275R102   336,622 6,262 SH   SOLE   0 0 6,262
CISCO SYS INC COM 17275R102   2,473 46 SH   DFND   0 0 46
COSTCO WHSL CORP NEW COM 22160K105   630,151 1,115 SH   SOLE   0 0 1,115
COSTCO WHSL CORP NEW COM 22160K105   1,695 3 SH   DFND   0 0 3
DANAHER CORPORATION COM 235851102   828,220 3,338 SH   SOLE   0 0 3,338
DEERE & CO COM 244199105   392,476 1,040 SH   SOLE   0 0 1,040
DEERE & CO COM 244199105   4,529 12 SH   DFND   0 0 12
DELTA AIR LINES INC DEL COM NEW 247361702   233,433 6,309 SH   SOLE   0 0 6,309
DELTA AIR LINES INC DEL COM NEW 247361702   10,508 284 SH   DFND   0 0 284
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   7,695,057 299,535 SH   SOLE   0 0 299,535
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   441,155 16,896 SH   SOLE   0 0 16,896
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   260,616 11,547 SH   SOLE   0 0 11,547
DISCOVER FINL SVCS COM 254709108   220,084 2,540 SH   SOLE   0 0 2,540
ENBRIDGE INC COM 29250N105   160,791 4,794 SH   SOLE   0 0 4,794
ENBRIDGE INC COM 29250N105   67,080 2,000 SH   DFND   0 0 2,000
EXXON MOBIL CORP COM 30231G102   526,281 4,476 SH   SOLE   0 0 4,476
EXXON MOBIL CORP COM 30231G102   214,584 1,825 SH   DFND   0 0 1,825
FLEXSHARES TR HIG YLD VL ETF 33939L662   12,883,839 324,040 SH   SOLE   0 0 324,040
FLEXSHARES TR QLT DIV DEF IDX 33939L845   1,545,303 28,569 SH   SOLE   0 0 28,569
FLEXSHARES TR STOXX GLOBR INF 33939L795   574,069 11,853 SH   SOLE   0 0 11,853
FLEXSHARES TR INTL QLTDV DEF 33939L811   224,064 11,508 SH   SOLE   0 0 11,508
FLEXSHARES TR HIG YLD VL ETF 33939L662   198,800 5,000 SH   DFND   0 0 5,000
FORD MTR CO DEL COM 345370860   150,310 12,102 SH   SOLE   0 0 12,102
FREEPORT-MCMORAN INC CL B 35671D857   246,003 6,597 SH   SOLE   0 0 6,597
GLOBAL X FDS US INFR DEV ETF 37954Y673   3,509,255 115,512 SH   SOLE   0 0 115,512
GOLDMAN SACHS GROUP INC COM 38141G104   197,441 610 SH   SOLE   0 0 610
GOLDMAN SACHS GROUP INC COM 38141G104   2,589 8 SH   DFND   0 0 8
GRAINGER W W INC COM 384802104   207,552 300 SH   SOLE   0 0 300
HOME DEPOT INC COM 437076102   289,997 960 SH   SOLE   0 0 960
HOME DEPOT INC COM 437076102   3,022 10 SH   DFND   0 0 10
INTEL CORP COM 458140100   687,287 19,333 SH   SOLE   0 0 19,333
INTUIT COM 461202103   1,610,483 3,152 SH   SOLE   0 0 3,152
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   7,417,462 52,350 SH   SOLE   0 0 52,350
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   160,110 1,130 SH   DFND   0 0 1,130
INVESCO QQQ TR UNIT SER 1 46090E103   2,513,916 7,017 SH   SOLE   0 0 7,017
ISHARES INC MSCI EMRG CHN 46434G764   8,603,897 172,665 SH   SOLE   0 0 172,665
ISHARES INC ESG AWR MSCI EM 46434G863   960,351 31,716 SH   SOLE   0 0 31,716
ISHARES INC CORE MSCI EMKT 46434G103   420,886 8,844 SH   SOLE   0 0 8,844
ISHARES INC EM MKTS DIV ETF 464286319   261,663 10,985 SH   SOLE   0 0 10,985
ISHARES INC MSCI EMRG CHN 46434G764   59,796 1,200 SH   DFND   0 0 1,200
ISHARES TR MSCI EMG MKT ETF 464287234   3,488,668 91,928 SH   SOLE   0 0 91,928
ISHARES TR ESG AWR MSCI USA 46435G425   1,694,044 18,039 SH   SOLE   0 0 18,039
ISHARES TR CORE US AGGBD ET 464287226   1,658,208 17,633 SH   SOLE   0 0 17,633
ISHARES TR IBONDS DEC 2031 46436E486   1,385,427 71,469 SH   SOLE   0 0 71,469
ISHARES TR EXPONENTIAL TECH 46434V381   1,296,218 24,827 SH   SOLE   0 0 24,827
ISHARES TR ESG AW MSCI EAFE 46435G516   1,077,500 15,587 SH   SOLE   0 0 15,587
ISHARES TR S&P 500 GRWT ETF 464287309   1,063,110 15,538 SH   SOLE   0 0 15,538
ISHARES TR CORE S&P500 ETF 464287200   1,035,269 2,411 SH   SOLE   0 0 2,411
ISHARES TR IBONDS DEC24 ETF 46434VBG4   817,723 33,066 SH   SOLE   0 0 33,066
ISHARES TR CRE U S REIT ETF 464288521   541,416 11,476 SH   SOLE   0 0 11,476
ISHARES TR RUS MID CAP ETF 464287499   492,783 7,116 SH   SOLE   0 0 7,116
ISHARES TR IBONDS DEC 2030 46436E726   468,313 22,979 SH   SOLE   0 0 22,979
ISHARES TR RUS 1000 GRW ETF 464287614   359,401 1,351 SH   SOLE   0 0 1,351
ISHARES TR RUSSELL 3000 ETF 464287689   355,828 1,452 SH   SOLE   0 0 1,452
ISHARES TR RUSSELL 2000 ETF 464287655   303,110 1,715 SH   SOLE   0 0 1,715
ISHARES TR 3 7 YR TREAS BD 464288661   287,201 2,538 SH   SOLE   0 0 2,538
ISHARES TR IBONDS DEC2026 46435GAA0   254,935 10,925 SH   SOLE   0 0 10,925
ISHARES TR GLOBAL TECH ETF 464287291   241,193 4,170 SH   SOLE   0 0 4,170
ISHARES TR MSCI EAFE ETF 464287465   222,267 3,225 SH   SOLE   0 0 3,225
ISHARES TR IBONDS DEC 29 46436E205   211,642 9,664 SH   SOLE   0 0 9,664
ISHARES TR CORE MSCI EAFE 46432F842   209,087 3,249 SH   SOLE   0 0 3,249
ISHARES TR IBONDS 24 TRM TS 46436E874   205,859 8,635 SH   SOLE   0 0 8,635
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   24,888,425 575,189 SH   SOLE   0 0 575,189
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   7,792,497 155,291 SH   SOLE   0 0 155,291
JOHNSON & JOHNSON COM 478160104   519,109 3,333 SH   SOLE   0 0 3,333
JOHNSON & JOHNSON COM 478160104   7,165 46 SH   DFND   0 0 46
JPMORGAN CHASE & CO COM 46625H100   1,086,133 7,490 SH   SOLE   0 0 7,490
LINDE PLC SHS G54950103   824,756 2,215 SH   SOLE   0 0 2,215
LINDE PLC SHS G54950103   12,660 34 SH   DFND   0 0 34
LOWES COS INC COM 548661107   267,283 1,286 SH   SOLE   0 0 1,286
MARSH & MCLENNAN COS INC COM 571748102   494,780 2,600 SH   SOLE   0 0 2,600
MASTERCARD INCORPORATED CL A 57636Q104   487,762 1,232 SH   SOLE   0 0 1,232
MASTERCARD INCORPORATED CL A 57636Q104   2,772 7 SH   DFND   0 0 7
MCDONALDS CORP COM 580135101   365,655 1,388 SH   SOLE   0 0 1,388
META PLATFORMS INC CL A 30303M102   457,521 1,524 SH   SOLE   0 0 1,524
META PLATFORMS INC CL A 30303M102   19,214 64 SH   DFND   0 0 64
MICROSOFT CORP COM 594918104   4,174,881 13,222 SH   SOLE   0 0 13,222
MICROSOFT CORP COM 594918104   293,964 931 SH   DFND   0 0 931
NEXTERA ENERGY INC COM 65339F101   343,798 6,001 SH   SOLE   0 0 6,001
NORFOLK SOUTHN CORP COM 655844108   340,285 1,728 SH   SOLE   0 0 1,728
NOVO-NORDISK A S ADR 670100205   466,523 5,130 SH   SOLE   0 0 5,130
NVIDIA CORPORATION COM 67066G104   546,853 1,257 SH   SOLE   0 0 1,257
NVIDIA CORPORATION COM 67066G104   25,665 59 SH   DFND   0 0 59
ORACLE CORP COM 68389X105   318,290 3,005 SH   SOLE   0 0 3,005
PARAMOUNT GLOBAL CLASS B COM 92556H206   129,000 10,000 SH   SOLE   0 0 10,000
PEPSICO INC COM 713448108   480,409 2,835 SH   SOLE   0 0 2,835
PEPSICO INC COM 713448108   22,536 133 SH   DFND   0 0 133
PROCTER AND GAMBLE CO COM 742718109   677,097 4,642 SH   SOLE   0 0 4,642
PROCTER AND GAMBLE CO COM 742718109   3,501 24 SH   DFND   0 0 24
PROGRESSIVE CORP COM 743315103   197,110 1,415 SH   SOLE   0 0 1,415
PROGRESSIVE CORP COM 743315103   3,344 24 SH   DFND   0 0 24
REPUBLIC SVCS INC COM 760759100   322,706 2,264 SH   SOLE   0 0 2,264
RTX CORPORATION COM 75513E101   362,945 5,043 SH   SOLE   0 0 5,043
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   3,180,888 63,809 SH   SOLE   0 0 63,809
SCHWAB STRATEGIC TR US REIT ETF 808524847   1,255,101 70,710 SH   SOLE   0 0 70,710
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,228,879 36,186 SH   SOLE   0 0 36,186
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   658,332 27,499 SH   SOLE   0 0 27,499
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   629,898 13,153 SH   SOLE   0 0 13,153
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   503,005 6,917 SH   SOLE   0 0 6,917
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   299,003 6,760 SH   SOLE   0 0 6,760
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748   231,891 7,215 SH   SOLE   0 0 7,215
SELECT SECTOR SPDR TR ENERGY 81369Y506   495,609 5,483 SH   SOLE   0 0 5,483
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   355,296 2,167 SH   SOLE   0 0 2,167
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   256,837 1,995 SH   SOLE   0 0 1,995
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   241,470 1,500 SH   SOLE   0 0 1,500
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   220,681 6,653 SH   SOLE   0 0 6,653
SOUTHERN CO COM 842587107   344,587 5,324 SH   SOLE   0 0 5,324
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   259,833 8,379 SH   SOLE   0 0 8,379
SPDR S&P 500 ETF TR TR UNIT 78462F103   5,839,264 13,660 SH   SOLE   0 0 13,660
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   358,943 786 SH   SOLE   0 0 786
SPDR SER TR PRTFLO S&P500 VL 78464A508   1,130,272 27,394 SH   SOLE   0 0 27,394
SPDR SER TR S&P DIVID ETF 78464A763   766,312 6,663 SH   SOLE   0 0 6,663
SPDR SER TR PORTFOLIO SH TSR 78468R101   538,989 18,767 SH   SOLE   0 0 18,767
STARBUCKS CORP COM 855244109   266,430 2,919 SH   SOLE   0 0 2,919
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   203,346 2,340 SH   SOLE   0 0 2,340
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   13,904 160 SH   DFND   0 0 160
TESLA INC COM 88160R101   1,236,338 4,941 SH   SOLE   0 0 4,941
TESLA INC COM 88160R101   17,266 69 SH   DFND   0 0 69
TEXAS INSTRS INC COM 882508104   433,939 2,729 SH   SOLE   0 0 2,729
TG THERAPEUTICS INC COM 88322Q108   83,600 10,000 SH   SOLE   0 0 10,000
THERMO FISHER SCIENTIFIC INC COM 883556102   428,220 846 SH   SOLE   0 0 846
UNION PAC CORP COM 907818108   684,619 3,362 SH   SOLE   0 0 3,362
UNION PAC CORP COM 907818108   2,444 12 SH   DFND   0 0 12
UNITED PARCEL SERVICE INC CL B 911312106   484,289 3,107 SH   SOLE   0 0 3,107
UNITEDHEALTH GROUP INC COM 91324P102   456,797 906 SH   SOLE   0 0 906
UNITEDHEALTH GROUP INC COM 91324P102   2,521 5 SH   DFND   0 0 5
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   17,901,351 238,145 SH   SOLE   0 0 238,145
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   4,338,036 62,167 SH   SOLE   0 0 62,167
VANGUARD INDEX FDS TOTAL STK MKT 922908769   40,821,014 192,180 SH   SOLE   0 0 192,180
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   12,106,335 160,010 SH   SOLE   0 0 160,010
VANGUARD INDEX FDS MID CAP ETF 922908629   3,752,526 18,020 SH   SOLE   0 0 18,020
VANGUARD INDEX FDS VALUE ETF 922908744   2,944,226 21,346 SH   SOLE   0 0 21,346
VANGUARD INDEX FDS GROWTH ETF 922908736   1,860,348 6,832 SH   SOLE   0 0 6,832
VANGUARD INDEX FDS LARGE CAP ETF 922908637   801,742 4,097 SH   SOLE   0 0 4,097
VANGUARD INDEX FDS SMALL CP ETF 922908751   757,846 4,008 SH   SOLE   0 0 4,008
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   523,862 1,334 SH   SOLE   0 0 1,334
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   75,736 1,001 SH   DFND   0 0 1,001
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   7,516,574 191,700 SH   SOLE   0 0 191,700
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   938,603 19,852 SH   SOLE   0 0 19,852
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   6,026,860 105,457 SH   SOLE   0 0 105,457
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   5,873,674 101,973 SH   SOLE   0 0 101,973
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   4,266,120 56,148 SH   SOLE   0 0 56,148
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,995,355 26,552 SH   SOLE   0 0 26,552
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   25,539,117 584,152 SH   SOLE   0 0 584,152
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   965,382 9,344 SH   SOLE   0 0 9,344
VISA INC COM CL A 92826C839   787,095 3,422 SH   SOLE   0 0 3,422
VISA INC COM CL A 92826C839   4,601 20 SH   DFND   0 0 20
WALMART INC COM 931142103   873,698 5,463 SH   SOLE   0 0 5,463
WALMART INC COM 931142103   3,039 19 SH   DFND   0 0 19
WISDOMTREE TR EM EX ST-OWNED 97717X578   956,120 35,850 SH   SOLE   0 0 35,850