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
3M Co COM 88579Y101 5,642 43,601 SH   DFND   557 0 43,044
Abbott Laboratories COM 002824100 431 3,965 SH   DFND   0 0 3,965
AbbVie Inc COM 00287Y109 18,674 121,923 SH   DFND   0 0 121,923
Accenture PLC COM G1151C101 4,655 16,766 SH   DFND   620 0 16,146
Adobe Inc COM 00724F101 7,425 20,283 SH   DFND   462 0 19,821
Agilent Technologies Inc COM 00846U101 625 5,259 SH   DFND   0 0 5,259
Air Products and Chemicals Inc COM 009158106 749 3,113 SH   DFND   216 0 2,897
Allstate Corp/The COM 020002101 326 2,569 SH   DFND   268 0 2,301
Alphabet Inc COM 02079K305 894 8,201 SH   DFND   0 0 8,201
Altria Group Inc COM 02209S103 4,054 97,054 SH   DFND   1,770 0 95,284
Amazon.com Inc COM 023135106 10,446 98,344 SH   DFND   8,554 0 89,790
American Express Co COM 025816109 1,327 9,569 SH   DFND   596 0 8,973
Ameriprise Financial Inc COM 03076C106 1,230 5,176 SH   DFND   107 0 5,069
AMETEK Inc COM 031100100 508 4,623 SH   DFND   225 0 4,398
Amgen Inc COM 031162100 642 2,638 SH   DFND   0 0 2,638
Apple Inc COM 037833100 41,873 306,269 SH   DFND   15,031 0 291,238
Applied Materials Inc COM 038222105 2,141 23,530 SH   DFND   863 0 22,667
AT&T Inc COM 00206R102 436 20,774 SH   DFND   6,998 0 13,776
Autodesk Inc COM 052769106 1,374 7,991 SH   DFND   212 0 7,779
Bank of America Corp COM 060505104 4,014 128,936 SH   DFND   6,931 0 122,005
Berkshire Hathaway Inc COM 084670702 2,319 8,492 SH   DFND   1,768 0 6,724
Berkshire Hathaway Inc COM 084670108 409 1 SH   DFND   0 0 1
BlackRock Inc COM 09247X101 18,853 30,955 SH   DFND   139 0 30,816
Bristol-Myers Squibb Co COM 110122108 293 3,805 SH   DFND   0 0 3,805
Broadcom Inc COM 11135F101 202 416 SH   DFND   399 0 17
Cadence Design Systems Inc COM 127387108 3,246 21,639 SH   DFND   269 0 21,370
Chevron Corp COM 166764100 13,389 92,478 SH   DFND   1,920 0 90,558
Church & Dwight Co Inc COM 171340102 1,093 11,792 SH   DFND   0 0 11,792
Cintas Corp COM 172908105 1,476 3,950 SH   DFND   85 0 3,865
Cisco Systems Inc COM 17275R102 4,961 116,349 SH   DFND   4,061 0 112,288
Citigroup Inc COM 172967424 4,134 89,890 SH   DFND   1,898 0 87,992
Coca-Cola Co/The COM 191216100 797 12,673 SH   DFND   3,814 0 8,859
Comcast Corp COM 20030N101 231 5,908 SH   DFND   4,370 0 1,538
Comerica Inc COM 200340107 442 6,030 SH   DFND   127 0 5,903
Costco Wholesale Corp COM 22160K105 652 1,360 SH   DFND   433 0 927
Crown Castle International Cor COM 22822V101 4,204 24,969 SH   DFND   423 0 24,546
CSX Corp COM 126408103 488 16,795 SH   DFND   2,125 0 14,670
Cummins Inc COM 231021106 1,586 8,194 SH   DFND   137 0 8,057
CVS Health Corp COM 126650100 9,178 99,048 SH   DFND   1,281 0 97,767
Deere & Co COM 244199105 656 2,191 SH   DFND   272 0 1,919
Dominion Energy Inc COM 25746U109 6,038 75,664 SH   DFND   793 0 74,871
Dow Inc COM 260557103 6,671 129,252 SH   DFND   711 0 128,541
DTE Energy Co COM 233331107 249 1,964 SH   DFND   189 0 1,775
Duke Energy Corp COM 26441C204 286 2,662 SH   DFND   752 0 1,910
Emerson Electric Co COM 291011104 6,119 76,929 SH   DFND   580 0 76,349
Enbridge Inc COM 29250N105 4,079 96,522 SH   DFND   0 0 96,522
EOG Resources Inc COM 26875P101 4,637 41,987 SH   DFND   0 0 41,987
Essex Property Trust Inc COM 297178105 893 3,415 SH   DFND   63 0 3,352
Evergy Inc COM 30034W106 310 4,738 SH   DFND   224 0 4,514
Expeditors International of Wa COM 302130109 603 6,191 SH   DFND   163 0 6,028
Exxon Mobil Corp COM 30231G102 699 8,156 SH   DFND   4,118 0 4,038
Flowers Foods Inc COM 343498101 302 11,458 SH   DFND   0 0 11,458
Freeport-McMoRan Inc COM 35671D857 1,465 50,068 SH   DFND   1,416 0 48,652
Gartner Inc COM 366651107 898 3,711 SH   DFND   78 0 3,633
General Dynamics Corp COM 369550108 4,795 21,671 SH   DFND   0 0 21,671
General Motors Co COM 37045V100 2,972 93,574 SH   DFND   1,425 0 92,149
Genuine Parts Co COM 372460105 6,568 49,384 SH   DFND   138 0 49,246
Hasbro Inc COM 418056107 7,285 88,974 SH   DFND   128 0 88,846
Healthpeak Properties Inc COM 42250P103 1,359 52,437 SH   DFND   527 0 51,910
Henry Schein Inc COM 806407102 514 6,700 SH   DFND   134 0 6,566
Home Depot Inc/The COM 437076102 13,593 49,562 SH   DFND   1,010 0 48,552
Honeywell International Inc COM 438516106 15,140 87,108 SH   DFND   0 0 87,108
Illinois Tool Works Inc COM 452308109 763 4,190 SH   DFND   277 0 3,913
Ingredion Inc COM 457187102 3,676 41,702 SH   DFND   0 0 41,702
Intercontinental Exchange Inc COM 45866F104 3,862 41,072 SH   DFND   545 0 40,527
Invesco Exchange-Traded Fund T S&P 500 TOP 50 46137V233 261 910 SH   DFND   0 0 910
Invesco Preferred ETF PFD ETF 46138E511 193 15,600 SH   DFND   0 0 15,600
IQ Merger Arbitrage ETF IQ MRGR ARB ETF 45409B800 1,361 43,970 SH   DFND   0 0 43,970
iShares Core MSCI EAFE ETF CORE MSCI EAFE 46432F842 6,851 116,419 SH   DFND   0 0 116,419
iShares Core MSCI Emerging Mar CORE MSCI EMKT 46434G103 2,910 59,310 SH   DFND   0 0 59,310
iShares Core S&P 500 ETF CORE S&P500 ETF 464287200 32,310 85,218 SH   DFND   0 0 85,218
iShares Core S&P Mid-Cap ETF CORE S&P MCP ETF 464287507 71,669 316,797 SH   DFND   0 0 316,797
iShares Core S&P Small-Cap ETF CORE S&P SCP ETF 464287804 36,682 396,953 SH   DFND   0 0 396,953
iShares GNMA Bond ETF GNMA BOND ETF 46429B333 653 14,332 SH   DFND   0 0 14,332
iShares Gold Trust ISHARES NEW 464285204 13,296 387,540 SH   DFND   0 0 387,540
iShares iBoxx High Yield Corpo IBOXX HI YD ETF 464288513 3,835 52,101 SH   DFND   0 0 52,101
iShares MSCI ACWI ETF MSCI ACWI ETF 464288257 3,944 47,008 SH   DFND   0 0 47,008
iShares MSCI EAFE ETF MSCI EAFE ETF 464287465 56,972 911,694 SH   DFND   0 0 911,694
iShares MSCI Emerging Markets MSCI EMG MKT ETF 464287234 360 8,985 SH   DFND   0 0 8,985
iShares National Muni Bond ETF NATIONAL MUN ETF 464288414 3,884 36,519 SH   DFND   0 0 36,519
iShares Russell 1000 Growth ET RUS 1000 GRW ETF 464287614 214 979 SH   DFND   0 0 979
iShares Russell 2000 ETF RUSSELL 2000 ETF 464287655 1,179 6,962 SH   DFND   0 0 6,962
iShares S&P Mid-Cap 400 Growth S&P MC 400GR ETF 464287606 543 8,525 SH   DFND   0 0 8,525
iShares S&P Mid-Cap 400 Value S&P MC 400VL ETF 464287705 622 6,585 SH   DFND   0 0 6,585
iShares Select Dividend ETF SELECT DIVID ETF 464287168 313 2,661 SH   DFND   0 0 2,661
iShares Short-Term National Mu SHRT NAT MUN ETF 464288158 1,992 19,036 SH   DFND   0 0 19,036
iShares Trust - iShares MSCI K MSCI KLD400 SOC 464288570 824 11,465 SH   DFND   0 0 11,465
Jacobs Engineering Group Inc COM 469814107 3,090 24,303 SH   DFND   0 0 24,303
Johnson & Johnson COM 478160104 20,661 116,391 SH   DFND   0 0 116,391
JPMorgan Chase & Co COM 46625H100 12,548 111,429 SH   DFND   2,871 0 108,558
Linde PLC COM G5494J103 263 917 SH   DFND   492 0 425
Littelfuse Inc COM 537008104 221 868 SH   DFND   0 0 868
Lockheed Martin Corp COM 539830109 8,040 18,699 SH   DFND   0 0 18,699
Loews Corp COM 540424108 248 4,190 SH   DFND   190 0 4,000
Lowe's Cos Inc COM 548661107 472 2,701 SH   DFND   646 0 2,055
Markel Corp COM 570535104 648 501 SH   DFND   0 0 501
Martin Marietta Materials Inc COM 573284106 299 998 SH   DFND   60 0 938
Masco Corp COM 574599106 3,876 76,590 SH   DFND   230 0 76,360
Mastercard Inc COM 57636Q104 1,497 4,743 SH   DFND   839 0 3,904
Materials Select Sector SPDR F SBI MATERIALS 81369Y100 3,861 52,461 SH   DFND   0 0 52,461
McDonald's Corp COM 580135101 11,737 47,540 SH   DFND   0 0 47,540
Medtronic PLC COM G5960L103 6,006 66,916 SH   DFND   1,311 0 65,605
Merck & Co Inc COM 58933Y105 4,928 54,057 SH   DFND   0 0 54,057
Meta Platforms Inc COM 30303M102 528 3,270 SH   DFND   2,242 0 1,028
Microchip Technology Inc COM 595017104 9,711 167,195 SH   DFND   543 0 166,652
Microsoft Corp COM 594918104 37,540 146,167 SH   DFND   7,311 0 138,856
Mid-America Apartment Communit COM 59522J103 732 4,191 SH   DFND   112 0 4,079
Mondelez International Inc COM 609207105 806 12,984 SH   DFND   1,352 0 11,632
Morgan Stanley COM 617446448 3,895 51,212 SH   DFND   1,368 0 49,844
Nasdaq Inc COM 631103108 743 4,872 SH   DFND   112 0 4,760
NextEra Energy Inc COM 65339F101 503 6,485 SH   DFND   1,920 0 4,565
NIKE Inc COM 654106103 635 6,209 SH   DFND   1,240 0 4,969
Northrop Grumman Corp COM 666807102 5,184 10,832 SH   DFND   0 0 10,832
NVIDIA Corp COM 67066G104 415 2,735 SH   DFND   2,447 0 288
Oracle Corp COM 68389X105 317 4,542 SH   DFND   0 0 4,542
Oshkosh Corp COM 688239201 407 4,954 SH   DFND   0 0 4,954
Owens Corning COM 690742101 310 4,177 SH   DFND   0 0 4,177
Paychex Inc COM 704326107 9,244 81,179 SH   DFND   314 0 80,865
PayPal Holdings Inc COM 70450Y103 3,337 47,780 SH   DFND   1,132 0 46,648
PepsiCo Inc COM 713448108 18,862 113,178 SH   DFND   1,351 0 111,827
Pfizer Inc COM 717081103 10,660 203,317 SH   DFND   0 0 203,317
Philip Morris International In COM 718172109 278 2,814 SH   DFND   1,515 0 1,299
PIMCO 0-5 Year High Yield Corp 0-5 HIGH YIELD 72201R783 945 10,671 SH   DFND   0 0 10,671
PNC Financial Services Group I COM 693475105 307 1,944 SH   DFND   404 0 1,540
Polaris Inc COM 731068102 369 3,717 SH   DFND   0 0 3,717
Principal Spectrum Preferred S SPECTRUM PFD 74255Y888 1,513 87,660 SH   DFND   0 0 87,660
Procter & Gamble Co/The COM 742718109 19,387 134,832 SH   DFND   0 0 134,832
Prudential Financial Inc COM 744320102 3,904 40,804 SH   DFND   366 0 40,438
Raytheon Technologies Corp COM 75513E101 341 3,550 SH   DFND   0 0 3,550
Regeneron Pharmaceuticals Inc COM 75886F107 296 500 SH   DFND   0 0 500
Reinsurance Group of America I COM NEW 759351604 638 5,438 SH   DFND   0 0 5,438
Rockwell Automation Inc COM 773903109 567 2,841 SH   DFND   113 0 2,728
Schwab US Broad Market ETF US BRD MKT ETF 808524102 613 13,882 SH   DFND   0 0 13,882
Silgan Holdings Inc COM 827048109 738 17,849 SH   DFND   0 0 17,849
Southern Co/The COM 842587107 7,194 100,878 SH   DFND   1,038 0 99,840
SPDR Portfolio Short Term Corp PORTFOLIO SHORT 78464A474 4,763 160,223 SH   DFND   0 0 160,223
SPDR S&P 500 ETF Trust TR UNIT 78462F103 727 1,928 SH   DFND   0 0 1,928
SPDR S&P Emerging Markets Smal S&P EMKTSC ETF 78463X756 337 6,930 SH   DFND   0 0 6,930
Starbucks Corp COM 855244109 12,001 157,100 SH   DFND   1,121 0 155,979
Stryker Corp COM 863667101 269 1,353 SH   DFND   329 0 1,024
Technology Select Sector SPDR TECHNOLOGY 81369Y803 356 2,800 SH   DFND   0 0 2,800
TESLA INC COM 88160R101 552 820 SH   DFND   820 0 0
Texas Instruments Inc COM 882508104 6,445 41,948 SH   DFND   901 0 41,047
Truist Financial Corp COM 89832Q109 2,735 57,663 SH   DFND   1,292 0 56,371
Umpqua Holdings Corp COM 904214103 421 25,093 SH   DFND   0 0 25,093
United Parcel Service Inc COM 911312106 8,243 45,155 SH   DFND   717 0 44,438
UnitedHealth Group Inc COM 91324P102 9,178 17,868 SH   DFND   0 0 17,868
US Bancorp COM 902973304 6,273 136,303 SH   DFND   1,321 0 134,982
VanEck High Yield Muni ETF HIGH YLD MUNIETF 92189H409 1,450 26,935 SH   DFND   0 0 26,935
Vanguard FTSE Emerging Markets FTSE EMR MKT ETF 922042858 15,654 375,841 SH   DFND   0 0 375,841
Vanguard Large-Cap ETF LARGE CAP ETF 922908637 265 1,535 SH   DFND   0 0 1,535
Vanguard Mortgage-Backed Secur MTG-BKD SECS ETF 92206C771 2,675 55,947 SH   DFND   0 0 55,947
Vanguard Real Estate ETF REAL ESTATE ETF 922908553 7,286 79,972 SH   DFND   0 0 79,972
Vanguard Short-Term Inflation- STRM INFPROIDX 922020805 3,000 59,862 SH   DFND   0 0 59,862
Vanguard Small-Cap ETF SMALL CP ETF 922908751 409 2,320 SH   DFND   0 0 2,320
Vanguard Total Bond Market ETF TOTAL BND MRKT 921937835 8,752 116,290 SH   DFND   0 0 116,290
Vanguard Total International B TOTAL INT BD ETF 92203J407 500 10,100 SH   DFND   0 0 10,100
VeriSign Inc COM 92343E102 706 4,216 SH   DFND   93 0 4,123
Verizon Communications Inc COM 92343V104 12,091 238,252 SH   DFND   4,105 0 234,147
VF Corp COM 918204108 360 8,141 SH   DFND   315 0 7,826
Visa Inc COM 92826C839 6,902 35,052 SH   DFND   1,608 0 33,444
Walt Disney Co/The COM 254687106 2,863 30,329 SH   DFND   1,780 0 28,549
Waste Management Inc COM 94106L109 11,230 73,408 SH   DFND   373 0 73,035
Waters Corp COM 941848103 1,572 4,751 SH   DFND   58 0 4,693
WW Grainger Inc COM 384802104 7,443 16,378 SH   DFND   41 0 16,337
Zimmer Biomet Holdings Inc COM 98956P102 515 4,906 SH   DFND   204 0 4,702
Zions Bancorp NA COM 989701107 994 19,531 SH   DFND   147 0 19,384
Zoetis Inc COM 98978V103 4,502 26,191 SH   DFND   460 0 25,731