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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 212 629 SH   DFND   0 0 629
ALPHABET INC CAP STK CL A 02079K305 449 161 SH   DFND   0 0 161
ALPHABET INC CAP STK CL C 02079K107 419 150 SH   DFND   0 0 150
AMAZON COM INC COM 023135106 519 159 SH   DFND   0 0 159
AMERICAN ELEC PWR CO INC COM 025537101 314 3,150 SH   DFND   0 0 3,150
AMERICAN EXPRESS CO COM 025816109 200 1,068 SH   DFND   0 0 1,068
AMGEN INC COM 031162100 245 1,014 SH   DFND   0 0 1,014
APPLE INC COM 037833100 1,232 7,059 SH   DFND   0 0 7,059
ARES CAPITAL CORP COM 04010L103 211 10,060 SH   DFND   0 0 10,060
BCE INC COM NEW 05534B760 216 3,900 SH   DFND   0 0 3,900
CINCINNATI FINL CORP COM 172062101 279 2,050 SH   DFND   0 0 2,050
CISCO SYS INC COM 17275R102 320 5,736 SH   DFND   0 0 5,736
COCA COLA CO COM 191216100 358 5,783 SH   DFND   0 0 5,783
CROWN CASTLE INTL CORP NEW COM 22822V101 260 1,410 SH   DFND   0 0 1,410
DANAHER CORPORATION COM 235851102 326 1,111 SH   DFND   0 0 1,111
DBX ETF TR XTRACK MSCI EAFE 233051200 203 5,384 SH   DFND   0 0 5,384
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 396 14,327 SH   DFND   0 0 14,327
DUKE ENERGY CORP NEW COM NEW 26441C204 219 1,960 SH   DFND   0 0 1,960
EMERSON ELEC CO COM 291011104 259 2,641 SH   DFND   0 0 2,641
EVERSOURCE ENERGY COM 30040W108 220 2,490 SH   DFND   0 0 2,490
FIFTH THIRD BANCORP COM 316773100 258 6,000 SH   DFND   0 0 6,000
FRANKLIN TEMPLETON ETF TR LIBERTY US COR 35473P553 300 12,807 SH   DFND   0 0 12,807
FRANKLIN TEMPLETON ETF TR US TRESRY BD 35473P488 254 11,231 SH   DFND   0 0 11,231
GALLAGHER ARTHUR J & CO COM 363576109 285 1,630 SH   DFND   0 0 1,630
HARTFORD FINL SVCS GROUP INC COM 416515104 288 4,010 SH   DFND   0 0 4,010
INTEL CORP COM 458140100 222 4,492 SH   DFND   0 0 4,492
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 243 17,940 SH   DFND   0 0 17,940
ISHARES TR CORE S&P SCP ETF 464287804 497 4,601 SH   DFND   0 0 4,601
ISHARES TR CORE S&P500 ETF 464287200 209 460 SH   DFND   0 0 460
ISHARES TR MSCI AC ASIA ETF 464288182 3,376 45,000 SH   DFND   0 0 45,000
ISHARES TR RUSSELL 2000 ETF 464287655 1,602 7,801 SH   DFND   0 0 7,801
ISHARES TR S&P 500 GRWT ETF 464287309 229 2,998 SH   DFND   0 0 2,998
ISHARES TR SHORT TREAS BD 464288679 239 2,165 SH   DFND   0 0 2,165
JOHNSON & JOHNSON COM 478160104 401 2,263 SH   DFND   0 0 2,263
JPMORGAN CHASE & CO COM 46625H100 311 2,278 SH   DFND   0 0 2,278
KEYCORP COM 493267108 368 16,450 SH   DFND   0 0 16,450
LILLY ELI & CO COM 532457108 209 730 SH   DFND   0 0 730
LOCKHEED MARTIN CORP COM 539830109 282 639 SH   DFND   0 0 639
MASIMO CORP COM 574795100 2,314 15,900 SH   DFND   0 0 15,900
MERCK & CO INC COM 58933Y105 268 3,271 SH   DFND   0 0 3,271
META PLATFORMS INC CL A 30303M102 283 1,272 SH   DFND   0 0 1,272
METLIFE INC COM 59156R108 274 3,902 SH   DFND   0 0 3,902
MICROSOFT CORP COM 594918104 987 3,201 SH   DFND   0 0 3,201
MID-AMER APT CMNTYS INC COM 59522J103 522 2,490 SH   DFND   0 0 2,490
NATIONAL RETAIL PROPERTIES I COM 637417106 231 5,150 SH   DFND   0 0 5,150
NORTHROP GRUMMAN CORP COM 666807102 586 1,310 SH   DFND   0 0 1,310
NUSHARES ETF TR ESG HI TLD CRP 67092P854 488 21,133 SH   DFND   0 0 21,133
NUSHARES ETF TR NUVEEN ESG EMRGN 67092P888 378 12,349 SH   DFND   0 0 12,349
NUSHARES ETF TR NUVEEN ESG INTL 67092P805 1,004 34,942 SH   DFND   0 0 34,942
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 1,241 20,432 SH   DFND   0 0 20,432
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 1,205 31,665 SH   DFND   0 0 31,665
NUSHARES ETF TR NUVEEN ESG US 67092P870 1,684 69,932 SH   DFND   0 0 69,932
PAYCHEX INC COM 704326107 292 2,140 SH   DFND   0 0 2,140
PFIZER INC COM 717081103 298 5,749 SH   DFND   0 0 5,749
PHILIP MORRIS INTL INC COM 718172109 254 2,703 SH   DFND   0 0 2,703
PROCTER AND GAMBLE CO COM 742718109 644 4,213 SH   DFND   0 0 4,213
PROLOGIS INC. COM 74340W103 678 4,202 SH   DFND   0 0 4,202
QUALCOMM INC COM 747525103 303 1,980 SH   DFND   0 0 1,980
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 273 4,668 SH   DFND   0 0 4,668
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 346 4,399 SH   DFND   0 0 4,399
SOUTHERN CO COM 842587107 321 4,432 SH   DFND   0 0 4,432
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,022 6,691 SH   DFND   0 0 6,691
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 220 2,407 SH   DFND   0 0 2,407
SPDR SER TR S&P DIVID ETF 78464A763 277 2,160 SH   DFND   0 0 2,160
UNION PAC CORP COM 907818108 278 1,016 SH   DFND   0 0 1,016
UNITEDHEALTH GROUP INC COM 91324P102 263 517 SH   DFND   0 0 517
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 248 3,182 SH   DFND   0 0 3,182
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 324 4,076 SH   DFND   0 0 4,076
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 328 791 SH   DFND   0 0 791
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 251 5,200 SH   DFND   0 0 5,200
WALMART INC COM 931142103 250 1,676 SH   DFND   0 0 1,676
XCEL ENERGY INC COM 98389B100 230 3,180 SH   DFND   0 0 3,180