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
ALPHABET INC CAP STK CL A 02079K305 409 141 SH   SOLE   0 0 141
ALPHABET INC CAP STK CL A 02079K305 75 26 SH   DFND   0 0 26
ALPHABET INC CAP STK CL C 02079K107 41 14 SH   DFND   0 0 14
ALPHABET INC CAP STK CL C 02079K107 394 136 SH   SOLE   0 0 136
AMAZON COM INC COM 023135106 97 29 SH   DFND   0 0 29
AMAZON COM INC COM 023135106 433 130 SH   SOLE   0 0 130
AMERICAN ELEC PWR CO INC COM 025537101 280 3,150 SH   SOLE   0 0 3,150
AMERICAN EXPRESS CO COM 025816109 204 1,250 SH   SOLE   0 0 1,250
AMGEN INC COM 031162100 228 1,014 SH   SOLE   0 0 1,014
APPLE INC COM 037833100 141 796 SH   DFND   0 0 796
APPLE INC COM 037833100 1,116 6,288 SH   SOLE   0 0 6,288
ARES CAPITAL CORP COM 04010L103 213 10,060 SH   SOLE   0 0 10,060
BCE INC COM NEW 05534B760 203 3,900 SH   SOLE   0 0 3,900
CINCINNATI FINL CORP COM 172062101 234 2,050 SH   SOLE   0 0 2,050
CISCO SYS INC COM 17275R102 28 448 SH   DFND   0 0 448
CISCO SYS INC COM 17275R102 324 5,117 SH   SOLE   0 0 5,117
COCA COLA CO COM 191216100 328 5,540 SH   SOLE   0 0 5,540
COCA COLA CO COM 191216100 14 243 SH   DFND   0 0 243
CROWN CASTLE INTL CORP NEW COM 22822V101 294 1,410 SH   SOLE   0 0 1,410
DANAHER CORPORATION COM 235851102 370 1,122 SH   SOLE   0 0 1,122
DANAHER CORPORATION COM 235851102 16 48 SH   DFND   0 0 48
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 336 11,585 SH   SOLE   0 0 11,585
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 84 2,896 SH   DFND   0 0 2,896
DUKE ENERGY CORP NEW COM NEW 26441C204 206 1,960 SH   SOLE   0 0 1,960
EMERSON ELEC CO COM 291011104 218 2,350 SH   SOLE   0 0 2,350
EVERSOURCE ENERGY COM 30040W108 227 2,490 SH   SOLE   0 0 2,490
FIFTH THIRD BANCORP COM 316773100 261 6,000 SH   SOLE   0 0 6,000
GALLAGHER ARTHUR J & CO COM 363576109 277 1,630 SH   SOLE   0 0 1,630
HARTFORD FINL SVCS GROUP INC COM 416515104 277 4,010 SH   SOLE   0 0 4,010
INTEL CORP COM 458140100 234 4,528 SH   SOLE   0 0 4,528
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 269 17,940 SH   SOLE   0 0 17,940
ISHARES TR CORE S&P SCP ETF 464287804 593 5,176 SH   SOLE   0 0 5,176
ISHARES TR CORE S&P500 ETF 464287200 422 884 SH   SOLE   0 0 884
ISHARES TR CORE S&P500 ETF 464287200 149 313 SH   DFND   0 0 313
ISHARES TR MSCI AC ASIA ETF 464288182 2,914 35,240 SH   SOLE   0 0 35,240
JOHNSON & JOHNSON COM 478160104 381 2,228 SH   SOLE   0 0 2,228
JOHNSON & JOHNSON COM 478160104 19 109 SH   DFND   0 0 109
JPMORGAN CHASE & CO COM 46625H100 407 2,574 SH   SOLE   0 0 2,574
KEYCORP COM 493267108 380 16,450 SH   SOLE   0 0 16,450
LOCKHEED MARTIN CORP COM 539830109 232 652 SH   SOLE   0 0 652
MASIMO CORP COM 574795100 4,655 15,900 SH   SOLE   0 0 15,900
MERCK & CO INC COM 58933Y105 231 3,005 SH   SOLE   0 0 3,005
MERCK & CO INC COM 58933Y105 22 293 SH   DFND   0 0 293
META PLATFORMS INC CL A 30303M102 405 1,205 SH   SOLE   0 0 1,205
META PLATFORMS INC CL A 30303M102 51 151 SH   DFND   0 0 151
METLIFE INC COM 59156R108 24 383 SH   DFND   0 0 383
METLIFE INC COM 59156R108 221 3,531 SH   SOLE   0 0 3,531
MICROSOFT CORP COM 594918104 119 355 SH   DFND   0 0 355
MICROSOFT CORP COM 594918104 877 2,608 SH   SOLE   0 0 2,608
MID-AMER APT CMNTYS INC COM 59522J103 571 2,490 SH   SOLE   0 0 2,490
NATIONAL RETAIL PROPERTIES I COM 637417106 248 5,150 SH   SOLE   0 0 5,150
NORTHROP GRUMMAN CORP COM 666807102 22 56 SH   DFND   0 0 56
NORTHROP GRUMMAN CORP COM 666807102 1,380 3,565 SH   SOLE   0 0 3,565
NUSHARES ETF TR ESG HI TLD CRP 67092P854 525 21,551 SH   DFND   0 0 21,551
NUSHARES ETF TR NUVEEN ESG EMRGN 67092P888 19 581 SH   SOLE   0 0 581
NUSHARES ETF TR NUVEEN ESG EMRGN 67092P888 372 11,596 SH   DFND   0 0 11,596
NUSHARES ETF TR NUVEEN ESG INTL 67092P805 49 1,566 SH   SOLE   0 0 1,566
NUSHARES ETF TR NUVEEN ESG INTL 67092P805 970 31,263 SH   DFND   0 0 31,263
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 65 950 SH   SOLE   0 0 950
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 1,300 18,941 SH   DFND   0 0 18,941
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 59 1,511 SH   SOLE   0 0 1,511
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 1,171 30,171 SH   DFND   0 0 30,171
NUSHARES ETF TR NUVEEN ESG US 67092P870 2,027 78,903 SH   DFND   0 0 78,903
PAYCHEX INC COM 704326107 292 2,140 SH   SOLE   0 0 2,140
PFIZER INC COM 717081103 319 5,393 SH   SOLE   0 0 5,393
PHILIP MORRIS INTL INC COM 718172109 282 2,965 SH   SOLE   0 0 2,965
PROCTER AND GAMBLE CO COM 742718109 681 4,166 SH   SOLE   0 0 4,166
PROLOGIS INC. COM 74340W103 12 72 SH   DFND   0 0 72
PROLOGIS INC. COM 74340W103 709 4,208 SH   SOLE   0 0 4,208
QUALCOMM INC COM 747525103 362 1,980 SH   SOLE   0 0 1,980
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 338 4,203 SH   SOLE   0 0 4,203
SOUTHERN CO COM 842587107 307 4,473 SH   SOLE   0 0 4,473
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,178 6,691 SH   SOLE   0 0 6,691
SPDR SER TR PORTFOLIO S&P500 78464A854 335 6,007 SH   SOLE   0 0 6,007
SPDR SER TR PRTFLO S&P500 GW 78464A409 241 3,332 SH   SOLE   0 0 3,332
SPDR SER TR S&P DIVID ETF 78464A763 279 2,160 SH   SOLE   0 0 2,160
UNION PAC CORP COM 907818108 26 104 SH   DFND   0 0 104
UNION PAC CORP COM 907818108 237 938 SH   SOLE   0 0 938
UNITEDHEALTH GROUP INC COM 91324P102 280 556 SH   SOLE   0 0 556
VANECK ETF TRUST GREEN BOND ETF 92189F171 278 10,375 SH   DFND   0 0 10,375
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 234 2,897 SH   DFND   0 0 2,897
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 324 3,827 SH   DFND   0 0 3,827
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 339 779 SH   DFND   0 0 779
VANGUARD STAR FDS VG TL INTL STK F 921909768 254 3,996 SH   DFND   0 0 3,996
XCEL ENERGY INC COM 98389B100 215 3,180 SH   SOLE   0 0 3,180