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 4,816 43,588 SH   DFND   544 0 43,044
Abbott Laboratories COM 002824100 384 3,965 SH   DFND   0 0 3,965
AbbVie Inc COM 00287Y109 16,363 121,923 SH   DFND   0 0 121,923
Accenture PLC COM G1151C101 4,314 16,767 SH   DFND   621 0 16,146
Adobe Inc COM 00724F101 5,582 20,281 SH   DFND   460 0 19,821
Agilent Technologies Inc COM 00846U101 639 5,259 SH   DFND   0 0 5,259
Air Products and Chemicals Inc COM 009158106 725 3,116 SH   DFND   219 0 2,897
Allstate Corp/The COM 020002101 320 2,564 SH   DFND   263 0 2,301
Alphabet Inc COM 02079K305 784 8,201 SH   DFND   0 0 8,201
Altria Group Inc COM 02209S103 3,919 97,052 SH   DFND   1,768 0 95,284
Amazon.com Inc COM 023135106 11,129 98,487 SH   DFND   8,697 0 89,790
American Express Co COM 025816109 1,290 9,562 SH   DFND   589 0 8,973
Ameriprise Financial Inc COM 03076C106 1,304 5,175 SH   DFND   106 0 5,069
AMETEK Inc COM 031100100 525 4,624 SH   DFND   226 0 4,398
Amgen Inc COM 031162100 595 2,638 SH   DFND   0 0 2,638
Apple Inc COM 037833100 42,297 306,060 SH   DFND   14,822 0 291,238
Applied Materials Inc COM 038222105 1,927 23,519 SH   DFND   852 0 22,667
AT&T Inc COM 00206R102 318 20,766 SH   DFND   6,990 0 13,776
Autodesk Inc COM 052769106 1,493 7,992 SH   DFND   213 0 7,779
Bank of America Corp COM 060505104 3,892 128,863 SH   DFND   6,858 0 122,005
Berkshire Hathaway Inc COM 084670702 2,268 8,495 SH   DFND   1,771 0 6,724
Berkshire Hathaway Inc COM 084670108 406 1 SH   DFND   0 0 1
BlackRock Inc COM 09247X101 17,038 30,964 SH   DFND   148 0 30,816
Bristol-Myers Squibb Co COM 110122108 270 3,805 SH   DFND   0 0 3,805
Cadence Design Systems Inc COM 127387108 3,536 21,640 SH   DFND   270 0 21,370
Chevron Corp COM 166764100 13,264 92,326 SH   DFND   1,768 0 90,558
Church & Dwight Co Inc COM 171340102 842 11,792 SH   DFND   0 0 11,792
Cintas Corp COM 172908105 1,533 3,949 SH   DFND   84 0 3,865
Cisco Systems Inc COM 17275R102 4,655 116,352 SH   DFND   4,064 0 112,288
Citigroup Inc COM 172967424 3,746 89,891 SH   DFND   1,899 0 87,992
Coca-Cola Co/The COM 191216100 710 12,678 SH   DFND   3,819 0 8,859
Comerica Inc COM 200340107 429 6,032 SH   DFND   129 0 5,903
Costco Wholesale Corp COM 22160K105 643 1,361 SH   DFND   434 0 927
Crown Castle Inc COM 22822V101 3,609 24,971 SH   DFND   425 0 24,546
CSX Corp COM 126408103 447 16,769 SH   DFND   2,099 0 14,670
Cummins Inc COM 231021106 1,668 8,196 SH   DFND   139 0 8,057
CVS Health Corp COM 126650100 9,447 99,056 SH   DFND   1,289 0 97,767
Deere & Co COM 244199105 732 2,192 SH   DFND   273 0 1,919
Dominion Energy Inc COM 25746U109 5,230 75,688 SH   DFND   817 0 74,871
Dow Inc COM 260557103 5,678 129,246 SH   DFND   705 0 128,541
DTE Energy Co COM 233331107 226 1,965 SH   DFND   190 0 1,775
Duke Energy Corp COM 26441C204 248 2,667 SH   DFND   757 0 1,910
Emerson Electric Co COM 291011104 5,632 76,928 SH   DFND   579 0 76,349
Enbridge Inc COM 29250N105 3,581 96,522 SH   DFND   0 0 96,522
EOG Resources Inc COM 26875P101 4,755 42,563 SH   DFND   576 0 41,987
Essex Property Trust Inc COM 297178105 828 3,416 SH   DFND   64 0 3,352
Evergy Inc COM 30034W106 281 4,740 SH   DFND   226 0 4,514
Expeditors International of Wa COM 302130109 546 6,189 SH   DFND   161 0 6,028
Exxon Mobil Corp COM 30231G102 710 8,128 SH   DFND   4,090 0 4,038
Flowers Foods Inc COM 343498101 283 11,458 SH   DFND   0 0 11,458
Freeport-McMoRan Inc COM 35671D857 1,368 50,054 SH   DFND   1,402 0 48,652
Gartner Inc COM 366651107 1,026 3,710 SH   DFND   77 0 3,633
General Dynamics Corp COM 369550108 4,598 21,671 SH   DFND   0 0 21,671
General Motors Co COM 37045V100 3,003 93,580 SH   DFND   1,431 0 92,149
Genuine Parts Co COM 372460105 7,374 49,385 SH   DFND   139 0 49,246
Hasbro Inc COM 418056107 5,999 88,975 SH   DFND   129 0 88,846
Healthpeak Properties Inc COM 42250P103 1,202 52,441 SH   DFND   531 0 51,910
Henry Schein Inc COM 806407102 441 6,701 SH   DFND   135 0 6,566
Home Depot Inc/The COM 437076102 13,676 49,562 SH   DFND   1,010 0 48,552
Honeywell International Inc COM 438516106 14,544 87,108 SH   DFND   0 0 87,108
Illinois Tool Works Inc COM 452308109 757 4,189 SH   DFND   276 0 3,913
Ingredion Inc COM 457187102 3,358 41,702 SH   DFND   0 0 41,702
Intercontinental Exchange Inc COM 45866F104 3,711 41,074 SH   DFND   547 0 40,527
Invesco Exchange-Traded Fund T COM 46137V233 245 910 SH   DFND   0 0 910
Invesco Preferred ETF PFD ETF 46138E511 185 15,600 SH   DFND   0 0 15,600
IQ Merger Arbitrage ETF IQ MRGR ARB ETF 45409B800 1,376 43,970 SH   DFND   0 0 43,970
iShares Core MSCI EAFE ETF CORE MSCI EAFE 46432F842 6,132 116,419 SH   DFND   0 0 116,419
iShares Core MSCI Emerging Mar CORE MSCI EMKT 46434G103 2,549 59,310 SH   DFND   0 0 59,310
iShares Core S&P 500 ETF CORE S&P500 ETF 464287200 30,563 85,218 SH   DFND   0 0 85,218
iShares Core S&P Mid-Cap ETF CORE S&P MCP ETF 464287507 69,461 316,797 SH   DFND   0 0 316,797
iShares Core S&P Small-Cap ETF CORE S&P SCP ETF 464287804 34,610 396,953 SH   DFND   0 0 396,953
iShares GNMA Bond ETF GNMA BOND ETF 46429B333 616 14,332 SH   DFND   0 0 14,332
iShares Gold Trust ISHARES NEW 464285204 12,219 387,540 SH   DFND   0 0 387,540
iShares iBoxx High Yield Corpo IBOXX HI YD ETF 464288513 3,719 52,101 SH   DFND   0 0 52,101
iShares MSCI ACWI ETF MSCI ACWI ETF 464288257 3,659 47,008 SH   DFND   0 0 47,008
iShares MSCI EAFE ETF MSCI EAFE ETF 464287465 51,064 911,694 SH   DFND   0 0 911,694
iShares MSCI Emerging Markets MSCI EMG MKT ETF 464287234 313 8,985 SH   DFND   0 0 8,985
iShares National Muni Bond ETF NATIONAL MUN ETF 464288414 3,746 36,519 SH   DFND   0 0 36,519
iShares Russell 1000 Growth ET RUS 1000 GRW ETF 464287614 206 979 SH   DFND   0 0 979
iShares Russell 2000 ETF RUSSELL 2000 ETF 464287655 1,148 6,962 SH   DFND   0 0 6,962
iShares S&P Mid-Cap 400 Growth S&P MC 400GR ETF 464287606 537 8,525 SH   DFND   0 0 8,525
iShares S&P Mid-Cap 400 Value S&P MC 400VL ETF 464287705 593 6,585 SH   DFND   0 0 6,585
iShares Select Dividend ETF SELECT DIVID ETF 464287168 285 2,661 SH   DFND   0 0 2,661
iShares Short-Term National Mu SHRT NAT MUN ETF 464288158 1,954 19,036 SH   DFND   0 0 19,036
iShares Trust - iShares MSCI K MSCI KLD400 SOC 464288570 768 11,465 SH   DFND   0 0 11,465
Jacobs Solutions Inc COM 46982L108 2,637 24,303 SH   DFND   0 0 24,303
Johnson & Johnson COM 478160104 19,014 116,391 SH   DFND   0 0 116,391
JPMorgan Chase & Co COM 46625H100 11,645 111,436 SH   DFND   2,878 0 108,558
Linde PLC COM G5494J103 247 914 SH   DFND   489 0 425
Lockheed Martin Corp COM 539830109 7,223 18,699 SH   DFND   0 0 18,699
Loews Corp COM 540424108 209 4,197 SH   DFND   197 0 4,000
Lowe's Cos Inc COM 548661107 504 2,683 SH   DFND   628 0 2,055
Manhattan Associates Inc COM 562750109 200 1,504 SH   DFND   0 0 1,504
Marathon Petroleum Corp COM 56585A102 208 2,089 SH   DFND   489 0 1,600
Markel Corp COM 570535104 543 501 SH   DFND   0 0 501
Martin Marietta Materials Inc COM 573284106 322 999 SH   DFND   61 0 938
Masco Corp COM 574599106 3,575 76,582 SH   DFND   222 0 76,360
Mastercard Inc COM 57636Q104 1,348 4,740 SH   DFND   836 0 3,904
Materials Select Sector SPDR F SBI MATERIALS 81369Y100 3,568 52,461 SH   DFND   0 0 52,461
McDonald's Corp COM 580135101 10,969 47,540 SH   DFND   0 0 47,540
Medtronic PLC COM G5960L103 5,403 66,907 SH   DFND   1,302 0 65,605
Merck & Co Inc COM 58933Y105 4,655 54,057 SH   DFND   0 0 54,057
Meta Platforms Inc COM 30303M102 443 3,266 SH   DFND   2,238 0 1,028
Microchip Technology Inc COM 595017104 10,204 167,196 SH   DFND   544 0 166,652
Microsoft Corp COM 594918104 34,045 146,175 SH   DFND   7,319 0 138,856
Mid-America Apartment Communit COM 59522J103 651 4,192 SH   DFND   113 0 4,079
Mondelez International Inc COM 609207105 712 12,976 SH   DFND   1,344 0 11,632
Morgan Stanley COM 617446448 4,042 51,159 SH   DFND   1,315 0 49,844
Nasdaq Inc COM 631103108 289 5,091 SH   DFND   331 0 4,760
NextEra Energy Inc COM 65339F101 509 6,493 SH   DFND   1,928 0 4,565
NIKE Inc COM 654106103 516 6,211 SH   DFND   1,242 0 4,969
Northrop Grumman Corp COM 666807102 5,095 10,832 SH   DFND   0 0 10,832
NVIDIA Corp COM 67066G104 333 2,744 SH   DFND   2,456 0 288
Oracle Corp COM 68389X105 277 4,542 SH   DFND   0 0 4,542
Oshkosh Corp COM 688239201 348 4,954 SH   DFND   0 0 4,954
Owens Corning COM 690742101 328 4,177 SH   DFND   0 0 4,177
Paychex Inc COM 704326107 9,109 81,180 SH   DFND   315 0 80,865
PayPal Holdings Inc COM 70450Y103 4,113 47,783 SH   DFND   1,135 0 46,648
PepsiCo Inc COM 713448108 18,478 113,180 SH   DFND   1,353 0 111,827
Pfizer Inc COM 717081103 8,897 203,317 SH   DFND   0 0 203,317
Philip Morris International In COM 718172109 234 2,820 SH   DFND   1,521 0 1,299
PIMCO 0-5 Year High Yield Corp 0-5 HIGH YIELD 72201R783 932 10,671 SH   DFND   0 0 10,671
PNC Financial Services Group I COM 693475105 290 1,942 SH   DFND   402 0 1,540
Polaris Inc COM 731068102 356 3,717 SH   DFND   0 0 3,717
Principal Spectrum Preferred S SPECTRUM PFD 74255Y888 1,471 87,660 SH   DFND   0 0 87,660
Procter & Gamble Co/The COM 742718109 17,023 134,832 SH   DFND   0 0 134,832
Prudential Financial Inc COM 744320102 3,500 40,805 SH   DFND   367 0 40,438
Raytheon Technologies Corp COM 75513E101 291 3,550 SH   DFND   0 0 3,550
Regeneron Pharmaceuticals Inc COM 75886F107 344 500 SH   DFND   0 0 500
Reinsurance Group of America I COM 759351604 684 5,438 SH   DFND   0 0 5,438
Rockwell Automation Inc COM 773903109 611 2,841 SH   DFND   113 0 2,728
Schwab US Broad Market ETF US BRD MKT ETF 808524102 583 13,882 SH   DFND   0 0 13,882
Silgan Holdings Inc COM 827048109 750 17,849 SH   DFND   0 0 17,849
Southern Co/The COM 842587107 6,860 100,883 SH   DFND   1,043 0 99,840
SPDR Portfolio Short Term Corp PORTFOLIO SHORT 78464A474 4,682 160,223 SH   DFND   0 0 160,223
SPDR S&P 500 ETF Trust TR UNIT 78462F103 689 1,928 SH   DFND   0 0 1,928
SPDR S&P Emerging Markets Smal S&P EMKTSC ETF 78463X756 316 6,930 SH   DFND   0 0 6,930
Starbucks Corp COM 855244109 13,238 157,104 SH   DFND   1,125 0 155,979
Stryker Corp COM 863667101 274 1,355 SH   DFND   331 0 1,024
Technology Select Sector SPDR TECHNOLOGY 81369Y803 333 2,800 SH   DFND   0 0 2,800
TESLA INC COM 88160R101 693 2,614 SH   DFND   2,614 0 0
Texas Instruments Inc COM 882508104 6,492 41,945 SH   DFND   898 0 41,047
Truist Financial Corp COM 89832Q109 2,511 57,673 SH   DFND   1,302 0 56,371
Umpqua Holdings Corp COM 904214103 429 25,093 SH   DFND   0 0 25,093
United Parcel Service Inc COM 911312106 7,295 45,156 SH   DFND   718 0 44,438
UnitedHealth Group Inc COM 91324P102 9,024 17,868 SH   DFND   0 0 17,868
US Bancorp COM G29183103 5,496 136,310 SH   DFND   1,328 0 134,982
VanEck High Yield Muni ETF HIGH YLD MUNIETF 92189H409 1,345 26,935 SH   DFND   0 0 26,935
Vanguard FTSE Emerging Markets FTSE EMR MKT ETF 922042858 13,714 375,841 SH   DFND   0 0 375,841
Vanguard Large-Cap ETF LARGE CAP ETF 922908637 251 1,535 SH   DFND   0 0 1,535
Vanguard Mortgage-Backed Secur MTG-BKD SECS ETF 92206C771 2,523 55,947 SH   DFND   0 0 55,947
Vanguard Real Estate ETF REAL ESTATE ETF 922908553 6,411 79,972 SH   DFND   0 0 79,972
Vanguard Short-Term Inflation- STRM INFPROIDX 922020805 2,880 59,862 SH   DFND   0 0 59,862
Vanguard Small-Cap ETF SMALL CP ETF 922908751 397 2,320 SH   DFND   0 0 2,320
Vanguard Total Bond Market ETF TOTAL BND MRKT 921937835 8,295 116,290 SH   DFND   0 0 116,290
Vanguard Total International B TOTAL INT BD ETF 92203J407 482 10,100 SH   DFND   0 0 10,100
VeriSign Inc COM 92343E102 732 4,213 SH   DFND   90 0 4,123
Verizon Communications Inc COM 92343V104 9,048 238,269 SH   DFND   4,122 0 234,147
VF Corp COM 918204108 244 8,151 SH   DFND   325 0 7,826
Visa Inc COM 92826C839 6,226 35,049 SH   DFND   1,605 0 33,444
Walt Disney Co/The COM 254687106 2,862 30,336 SH   DFND   1,787 0 28,549
Waste Management Inc COM 94106L109 11,760 73,405 SH   DFND   370 0 73,035
Waters Corp COM 941848103 1,281 4,751 SH   DFND   58 0 4,693
WW Grainger Inc COM 384802104 8,014 16,382 SH   DFND   45 0 16,337
Zimmer Biomet Holdings Inc COM N07059210 514 4,908 SH   DFND   206 0 4,702
Zions Bancorp NA COM 989701107 994 19,532 SH   DFND   148 0 19,384
Zoetis Inc COM 98978V103 3,884 26,191 SH   DFND   460 0 25,731