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 309 3,226 SH   DFND   0 0 3,226
ALPHABET INC CAP STK CL C 02079K107 288 3,000 SH   DFND   0 0 3,000
AMAZON COM INC COM 023135106 365 3,228 SH   DFND   0 0 3,228
AMERICAN ELEC PWR CO INC COM 025537101 310 3,581 SH   DFND   0 0 3,581
AMGEN INC COM 031162100 90 400 SH   SOLE   0 0 400
AMGEN INC COM 031162100 138 614 SH   DFND   0 0 614
APPLE INC COM 037833100 966 6,987 SH   DFND   0 0 6,987
ARES CAPITAL CORP COM 04010L103 173 10,254 SH   DFND   0 0 10,254
CISCO SYS INC COM 17275R102 239 5,981 SH   DFND   0 0 5,981
COCA COLA CO COM 191216100 410 7,312 SH   DFND   0 0 7,312
CROWN CASTLE INC COM 22822V101 228 1,575 SH   DFND   0 0 1,575
DANAHER CORPORATION COM 235851102 287 1,110 SH   DFND   0 0 1,110
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 61 2,742 SH   DFND   0 0 2,742
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 258 11,585 SH   SOLE   0 0 11,585
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 165 5,584 SH   SOLE   0 0 5,584
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 37 1,236 SH   DFND   0 0 1,236
DUKE ENERGY CORP NEW COM NEW 26441C204 216 2,318 SH   DFND   0 0 2,318
EVERSOURCE ENERGY COM 30040W108 208 2,667 SH   DFND   0 0 2,667
FRANKLIN TEMPLETON ETF TR US CORE BOND ETF 35473P553 643 30,670 SH   DFND   0 0 30,670
FRANKLIN TEMPLETON ETF TR US LRG CP MLTFCT 35473P801 236 6,435 SH   DFND   0 0 6,435
GALLAGHER ARTHUR J & CO COM 363576109 279 1,630 SH   DFND   0 0 1,630
HARTFORD FINL SVCS GROUP INC COM 416515104 248 4,010 SH   DFND   0 0 4,010
HOME DEPOT INC COM 437076102 217 785 SH   DFND   0 0 785
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 213 17,940 SH   DFND   0 0 17,940
ISHARES TR CORE S&P SCP ETF 464287804 349 4,000 SH   DFND   0 0 4,000
ISHARES TR CORE S&P500 ETF 464287200 415 1,156 SH   DFND   0 0 1,156
ISHARES TR RUSSELL 2000 ETF 464287655 95 576 SH   SOLE   0 0 576
ISHARES TR RUSSELL 2000 ETF 464287655 2,400 14,553 SH   DFND   0 0 14,553
ISHARES TR SHRT NAT MUN ETF 464288158 2,564 24,972 SH   DFND   0 0 24,972
J P MORGAN EXCHANGE TRADED F INTRNL RES EQT 46641Q134 788 18,096 SH   DFND   0 0 18,096
J P MORGAN EXCHANGE TRADED F INTRNL RES EQT 46641Q134 12 273 SH   SOLE   0 0 273
JOHNSON & JOHNSON COM 478160104 404 2,475 SH   DFND   0 0 2,475
JOHNSON & JOHNSON COM 478160104 24 147 SH   SOLE   0 0 147
JPMORGAN CHASE & CO COM 46625H100 326 3,121 SH   DFND   0 0 3,121
KEYCORP COM 493267108 264 16,450 SH   DFND   0 0 16,450
LILLY ELI & CO COM 532457108 235 727 SH   DFND   0 0 727
LILLY ELI & CO COM 532457108 33 101 SH   SOLE   0 0 101
LOCKHEED MARTIN CORP COM 539830109 261 676 SH   DFND   0 0 676
MASIMO CORP COM 574795100 2,202 15,600 SH   SOLE   0 0 15,600
MERCK & CO INC COM 58933Y105 341 3,957 SH   DFND   0 0 3,957
METLIFE INC COM 59156R108 243 3,994 SH   DFND   0 0 3,994
MICROSOFT CORP COM 594918104 748 3,210 SH   DFND   0 0 3,210
MICROSOFT CORP COM 594918104 64 275 SH   SOLE   0 0 275
MID-AMER APT CMNTYS INC COM 59522J103 395 2,545 SH   DFND   0 0 2,545
NATIONAL RETAIL PROPERTIES I COM 637417106 205 5,150 SH   DFND   0 0 5,150
NORTHROP GRUMMAN CORP COM 666807102 545 1,158 SH   SOLE   0 0 1,158
NORTHROP GRUMMAN CORP COM 666807102 119 252 SH   DFND   0 0 252
NUSHARES ETF TR ESG HI TLD CRP 67092P854 21 1,068 SH   SOLE   0 0 1,068
NUSHARES ETF TR ESG HI TLD CRP 67092P854 467 23,699 SH   DFND   0 0 23,699
NUSHARES ETF TR NUVEEN ESG EMRGN 67092P888 8 329 SH   SOLE   0 0 329
NUSHARES ETF TR NUVEEN ESG EMRGN 67092P888 299 12,747 SH   DFND   0 0 12,747
NUSHARES ETF TR NUVEEN ESG INTL 67092P805 737 33,018 SH   DFND   0 0 33,018
NUSHARES ETF TR NUVEEN ESG INTL 67092P805 19 851 SH   SOLE   0 0 851
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 22 467 SH   SOLE   0 0 467
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 880 19,086 SH   DFND   0 0 19,086
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 973 31,535 SH   DFND   0 0 31,535
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 25 822 SH   SOLE   0 0 822
NUSHARES ETF TR NUVEEN ESG US 67092P870 1,327 61,312 SH   DFND   0 0 61,312
NUSHARES ETF TR NUVEEN ESG US 67092P870 86 3,959 SH   SOLE   0 0 3,959
PAYCHEX INC COM 704326107 240 2,140 SH   DFND   0 0 2,140
PFIZER INC COM 717081103 246 5,619 SH   DFND   0 0 5,619
PHILIP MORRIS INTL INC COM 718172109 241 2,898 SH   DFND   0 0 2,898
PROCTER AND GAMBLE CO COM 742718109 345 2,731 SH   DFND   0 0 2,731
PROCTER AND GAMBLE CO COM 742718109 243 1,928 SH   SOLE   0 0 1,928
PROLOGIS INC. COM 74340W103 408 4,017 SH   DFND   0 0 4,017
QUALCOMM INC COM 747525103 236 2,088 SH   DFND   0 0 2,088
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 14 210 SH   DFND   0 0 210
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 194 2,922 SH   SOLE   0 0 2,922
SOUTHERN CO COM 842587107 278 4,086 SH   DFND   0 0 4,086
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,446 6,849 SH   DFND   0 0 6,849
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 242 2,641 SH   DFND   0 0 2,641
UNION PAC CORP COM 907818108 210 1,078 SH   DFND   0 0 1,078
UNITEDHEALTH GROUP INC COM 91324P102 310 613 SH   DFND   0 0 613
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 1,887 37,800 SH   DFND   0 0 37,800
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 790 10,562 SH   DFND   0 0 10,562
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 15 206 SH   SOLE   0 0 206
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 574 8,048 SH   DFND   0 0 8,048
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 15 209 SH   SOLE   0 0 209
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 229 697 SH   DFND   0 0 697
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 31 93 SH   SOLE   0 0 93
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 577 11,981 SH   DFND   0 0 11,981
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 5 151 SH   SOLE   0 0 151
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 272 7,471 SH   DFND   0 0 7,471
XCEL ENERGY INC COM 98389B100 220 3,441 SH   DFND   0 0 3,441