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 C 02079K107 328 150 SH   DFND   0 0 150
AMAZON COM INC COM 023135106 333 3,136 SH   DFND   0 0 3,136
AMERICAN ELEC PWR CO INC COM 025537101 304 3,169 SH   DFND   0 0 3,169
AMGEN INC COM 031162100 247 1,014 SH   DFND   0 0 1,014
APPLE INC COM 037833100 960 7,018 SH   DFND   0 0 7,018
ARES CAPITAL CORP COM 04010L103 181 10,090 SH   DFND   0 0 10,090
CINCINNATI FINL CORP COM 172062101 244 2,050 SH   DFND   0 0 2,050
CISCO SYS INC COM 17275R102 230 5,384 SH   DFND   0 0 5,384
COCA COLA CO COM 191216100 411 6,533 SH   DFND   0 0 6,533
CROWN CASTLE INTL CORP NEW COM 22822V101 240 1,424 SH   DFND   0 0 1,424
DANAHER CORPORATION COM 235851102 273 1,078 SH   DFND   0 0 1,078
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 334 14,327 SH   DFND   0 0 14,327
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 216 6,820 SH   DFND   0 0 6,820
DUKE ENERGY CORP NEW COM NEW 26441C204 253 2,361 SH   DFND   0 0 2,361
EMERSON ELEC CO COM 291011104 210 2,641 SH   DFND   0 0 2,641
EVERSOURCE ENERGY COM 30040W108 211 2,498 SH   DFND   0 0 2,498
FIFTH THIRD BANCORP COM 316773100 202 6,000 SH   DFND   0 0 6,000
FRANKLIN TEMPLETON ETF TR LIBERTY US COR 35473P553 629 28,400 SH   DFND   0 0 28,400
FRANKLIN TEMPLETON ETF TR LIBERTYQ US EQT 35473P801 260 6,713 SH   DFND   0 0 6,713
GALLAGHER ARTHUR J & CO COM 363576109 266 1,630 SH   DFND   0 0 1,630
HARTFORD FINL SVCS GROUP INC COM 416515104 262 4,010 SH   DFND   0 0 4,010
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 221 17,940 SH   DFND   0 0 17,940
ISHARES TR CORE S&P SCP ETF 464287804 382 4,130 SH   DFND   0 0 4,130
ISHARES TR CORE S&P TTL STK 464287150 522 6,228 SH   DFND   0 0 6,228
ISHARES TR RUSSELL 2000 ETF 464287655 2,583 15,249 SH   DFND   0 0 15,249
ISHARES TR SHORT TREAS BD 464288679 401 3,638 SH   DFND   0 0 3,638
ISHARES TR SHRT NAT MUN ETF 464288158 1,418 13,550 SH   DFND   0 0 13,550
J P MORGAN EXCHANGE TRADED F INTRNL RES EQT 46641Q134 802 16,694 SH   DFND   0 0 16,694
JOHNSON & JOHNSON COM 478160104 411 2,315 SH   DFND   0 0 2,315
JPMORGAN CHASE & CO COM 46625H100 286 2,540 SH   DFND   0 0 2,540
KEYCORP COM 493267108 283 16,450 SH   DFND   0 0 16,450
LILLY ELI & CO COM 532457108 251 774 SH   DFND   0 0 774
LOCKHEED MARTIN CORP COM 539830109 276 643 SH   DFND   0 0 643
MASIMO CORP COM 574795100 2,078 15,900 SH   DFND   0 0 15,900
MERCK & CO INC COM 58933Y105 355 3,893 SH   DFND   0 0 3,893
METLIFE INC COM 59156R108 246 3,922 SH   DFND   0 0 3,922
MICROSOFT CORP COM 594918104 828 3,224 SH   DFND   0 0 3,224
MID-AMER APT CMNTYS INC COM 59522J103 441 2,522 SH   DFND   0 0 2,522
NATIONAL RETAIL PROPERTIES I COM 637417106 221 5,150 SH   DFND   0 0 5,150
NORTHROP GRUMMAN CORP COM 666807102 629 1,315 SH   DFND   0 0 1,315
NUSHARES ETF TR ESG HI TLD CRP 67092P854 431 21,133 SH   DFND   0 0 21,133
NUSHARES ETF TR NUVEEN ESG EMRGN 67092P888 352 12,312 SH   DFND   0 0 12,312
NUSHARES ETF TR NUVEEN ESG INTL 67092P805 848 34,869 SH   DFND   0 0 34,869
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 981 20,432 SH   DFND   0 0 20,432
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 1,101 31,598 SH   DFND   0 0 31,598
NUSHARES ETF TR NUVEEN ESG US 67092P870 1,541 67,637 SH   DFND   0 0 67,637
PFIZER INC COM 717081103 310 5,908 SH   DFND   0 0 5,908
PHILIP MORRIS INTL INC COM 718172109 270 2,734 SH   DFND   0 0 2,734
PROCTER AND GAMBLE CO COM 742718109 626 4,355 SH   DFND   0 0 4,355
PROLOGIS INC. COM 74340W103 481 4,081 SH   DFND   0 0 4,081
QUALCOMM INC COM 747525103 254 1,987 SH   DFND   0 0 1,987
SOUTHERN CO COM 842587107 337 4,730 SH   DFND   0 0 4,730
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,524 6,691 SH   DFND   0 0 6,691
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 396 4,324 SH   DFND   0 0 4,324
UNION PAC CORP COM 907818108 208 977 SH   DFND   0 0 977
UNITEDHEALTH GROUP INC COM 91324P102 289 562 SH   DFND   0 0 562
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 407 5,429 SH   DFND   0 0 5,429
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 275 791 SH   DFND   0 0 791
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 212 5,204 SH   DFND   0 0 5,204
XCEL ENERGY INC COM 98389B100 226 3,191 SH   DFND   0 0 3,191