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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 BBG001SCXK90 270,903 772 SH   DFND   0 0 772
ADOBE INC COM 00724F101 BBG001S5NCQ5 243,413 408 SH   DFND   0 0 408
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 485,284 3,474 SH   DFND   0 0 3,474
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 418,704 2,971 SH   DFND   0 0 2,971
AMAZON COM INC COM 023135106 BBG001S5PQL7 580,411 3,820 SH   DFND   0 0 3,820
AMERICAN ELEC PWR CO INC COM 025537101 BBG001S5NFD2 312,048 3,842 SH   DFND   0 0 3,842
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108 BBG001T53FW2 206,784 3,200 SH   DFND   0 0 3,200
APPLE INC COM 037833100 BBG001S5N8V8 1,348,096 7,002 SH   DFND   0 0 7,002
ARES CAPITAL CORP COM 04010L103 BBG001SL96Z9 205,809 10,275 SH   DFND   0 0 10,275
AT&T INC COM 00206R102 BBG001S5VWH2 182,483 10,875 SH   DFND   0 0 10,875
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 280,720 1,882 SH   DFND   0 0 1,882
CINCINNATI FINL CORP COM 172062101 BBG001S5PTM0 212,093 2,050 SH   DFND   0 0 2,050
CINTAS CORP COM 172908105 BBG001S7CRG1 203,097 337 SH   DFND   0 0 337
CISCO SYS INC COM 17275R102 BBG001S6HC62 263,967 5,225 SH   DFND   0 0 5,225
CME GROUP INC COM 12572Q105 BBG001S86547 207,652 986 SH   DFND   0 0 986
COCA COLA CO COM 191216100 BBG001S5SMQ8 421,939 7,160 SH   DFND   0 0 7,160
COMCAST CORP NEW CL A 20030N101 BBG001S5PXL2 261,478 5,963 SH   DFND   0 0 5,963
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 264,032 400 SH   DFND   0 0 400
DANAHER CORPORATION COM 235851102 BBG001S5QGT0 241,982 1,046 SH   DFND   0 0 1,046
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 24,320 832 SH   DFND   0 0 832
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 395,365 13,526 SH   SOLE   0 0 13,526
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 BBG0177CTQC7 14,405 387 SH   DFND   0 0 387
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 BBG0177CTQC7 239,437 6,433 SH   SOLE   0 0 6,433
DUKE ENERGY CORP NEW COM NEW 26441C204 BBG001S5QNR7 235,614 2,428 SH   DFND   0 0 2,428
ELI LILLY & CO COM 532457108 BBG001S5STL8 59,635 102 SH   SOLE   0 0 102
ELI LILLY & CO COM 532457108 BBG001S5STL8 314,194 539 SH   DFND   0 0 539
EMERSON ELEC CO COM 291011104 BBG001S5QVT7 228,726 2,350 SH   DFND   0 0 2,350
EMERSON ELEC CO COM 291011104 BBG001S5QVT7 18,785 193 SH   SOLE   0 0 193
EOG RES INC COM 26875P101 BBG001S5ZB93 230,773 1,908 SH   DFND   0 0 1,908
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 265,047 2,651 SH   DFND   0 0 2,651
FIFTH THIRD BANCORP COM 316773100 BBG001S5R6S2 227,186 6,587 SH   DFND   0 0 6,587
FRANKLIN TEMPLETON ETF TR US CORE BOND ETF 35473P553 BBG00Q6LNJQ4 670,285 31,003 SH   DFND   0 0 31,003
FRANKLIN TEMPLETON ETF TR US LRG CP MLTFCT 35473P801 BBG00GKQZFP5 283,887 5,949 SH   DFND   0 0 5,949
FRANKLIN TEMPLETON ETF TR US TREASURY BOND 35473P488 BBG00V7V3MT2 220,954 10,610 SH   DFND   0 0 10,610
GALLAGHER ARTHUR J & CO COM 363576109 BBG001S5NKC2 366,555 1,630 SH   DFND   0 0 1,630
HARTFORD FINL SVCS GROUP INC COM 416515104 BBG001S8PXF3 321,520 4,000 SH   DFND   0 0 4,000
HCA HEALTHCARE INC COM 40412C101 BBG001T8NTY2 243,612 900 SH   DFND   0 0 900
HOME DEPOT INC COM 437076102 BBG001S5RTW7 370,462 1,069 SH   DFND   0 0 1,069
HOME DEPOT INC COM 437076102 BBG001S5RTW7 8,664 25 SH   SOLE   0 0 25
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 206,237 1,261 SH   DFND   0 0 1,261
ISHARES TR 10-20 YR TRS ETF 464288653 BBG001SSD830 416,392 3,846 SH   DFND   0 0 3,846
ISHARES TR CORE MSCI TOTAL 46432F834 BBG003H6TMV7 254,007 3,912 SH   DFND   0 0 3,912
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 1,555,553 14,370 SH   DFND   0 0 14,370
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 821,671 1,720 SH   DFND   0 0 1,720
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 37,579 79 SH   SOLE   0 0 79
J P MORGAN EXCHANGE TRADED F BETABUILDERS I 46641Q373 BBG00QRCN9C8 478,052 8,397 SH   DFND   0 0 8,397
J P MORGAN EXCHANGE TRADED F BETABUILDERS US 46641Q241 BBG00MSHTH59 1,306,665 28,082 SH   DFND   0 0 28,082
J P MORGAN EXCHANGE TRADED F BETABUILDERS USD 46641Q878 BBG00DRLJ399 478,469 10,421 SH   DFND   0 0 10,421
J P MORGAN EXCHANGE TRADED F BETABUILDRS US 46641Q399 BBG00NKWFC12 1,225,795 14,272 SH   DFND   0 0 14,272
J P MORGAN EXCHANGE TRADED F INTRNL RES EQT 46641Q134 BBG016CBQVP3 8,414 144 SH   SOLE   0 0 144
J P MORGAN EXCHANGE TRADED F INTRNL RES EQT 46641Q134 BBG016CBQVP3 537,921 9,205 SH   DFND   0 0 9,205
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 565,923 3,327 SH   DFND   0 0 3,327
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 304,578 672 SH   DFND   0 0 672
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 14,460 32 SH   SOLE   0 0 32
MARATHON PETE CORP COM 56585A102 BBG001S169P1 228,475 1,540 SH   DFND   0 0 1,540
MASIMO CORP COM 574795100 BBG001S71GQ6 1,687,824 14,400 SH   SOLE   0 0 14,400
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 359,548 843 SH   DFND   0 0 843
MCDONALDS CORP COM 580135101 BBG001S5T110 293,545 990 SH   DFND   0 0 990
MERCK & CO INC COM 58933Y105 BBG001S5TC52 347,229 3,185 SH   DFND   0 0 3,185
METLIFE INC COM 59156R108 BBG001S5T3R8 243,557 3,683 SH   DFND   0 0 3,683
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,256,726 3,342 SH   DFND   0 0 3,342
MICROSOFT CORP COM 594918104 BBG001S5TD05 103,411 275 SH   SOLE   0 0 275
MID-AMER APT CMNTYS INC COM 59522J103 BBG001S7HZ69 334,806 2,490 SH   DFND   0 0 2,490
NNN REIT INC COM 637417106 BBG001S6Z1P5 221,965 5,150 SH   DFND   0 0 5,150
NORTHROP GRUMMAN CORP COM 666807102 BBG001S5TP26 542,107 1,158 SH   SOLE   0 0 1,158
NORTHROP GRUMMAN CORP COM 666807102 BBG001S5TP26 167,126 357 SH   DFND   0 0 357
NUSHARES ETF TR ESG HI TLD CRP 67092P854 BBG00QD6KLQ7 396,310 18,836 SH   DFND   0 0 18,836
NUSHARES ETF TR NUVEEN ESG EMRGN 67092P888 BBG00GVX41Y3 275,537 10,224 SH   DFND   0 0 10,224
NUSHARES ETF TR NUVEEN ESG INTL 67092P805 BBG00GVWYK25 711,082 24,170 SH   DFND   0 0 24,170
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 BBG00FJ5GY57 1,024,752 14,751 SH   DFND   0 0 14,751
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 BBG00FJ5GY57 2,015 29 SH   SOLE   0 0 29
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 BBG00FJ5HBJ1 817,779 22,773 SH   DFND   0 0 22,773
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 BBG00FJ5HBJ1 5,136 143 SH   SOLE   0 0 143
NUSHARES ETF TR NUVEEN ESG US 67092P870 BBG00HTVKZ20 1,167,960 52,469 SH   DFND   0 0 52,469
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 211,459 427 SH   DFND   0 0 427
PAYCHEX INC COM 704326107 BBG001S5V135 254,896 2,140 SH   DFND   0 0 2,140
PEPSICO INC COM 713448108 BBG001S695T1 213,829 1,259 SH   DFND   0 0 1,259
PHILIP MORRIS INTL INC COM 718172109 BBG001STP9N1 268,317 2,852 SH   DFND   0 0 2,852
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 406,356 2,773 SH   DFND   0 0 2,773
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 185,443 1,265 SH   SOLE   0 0 1,265
PROLOGIS INC. COM 74340W103 BBG001S5NMN6 586,787 4,402 SH   DFND   0 0 4,402
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 608,594 17,895 SH   DFND   0 0 17,895
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 482,819 13,635 SH   DFND   0 0 13,635
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 4,198,520 8,833 SH   DFND   0 0 8,833
SPDR SER TR PORTFOLIO S&P500 78464A854 BBG001SPTB87 294,705 5,272 SH   DFND   0 0 5,272
SPDR SER TR PORTFOLIO S&P600 78468R853 BBG004T58LZ5 324,902 7,703 SH   DFND   0 0 7,703
SPDR SER TR PORTFOLIO S&P600 78468R853 BBG004T58LZ5 4,059 96 SH   SOLE   0 0 96
SSGA ACTIVE TR SPDR SSGA US SCT 78470P408 BBG00NS9VV15 664,595 14,524 SH   DFND   0 0 14,524
STARBUCKS CORP COM 855244109 BBG001S72KH6 217,559 2,266 SH   DFND   0 0 2,266
TJX COS INC NEW COM 872540109 BBG001S5WQ93 224,675 2,395 SH   DFND   0 0 2,395
TRANE TECHNOLOGIES PLC SHS G8994E103 BBG001S5SBV6 239,510 982 SH   DFND   0 0 982
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 486,985 925 SH   DFND   0 0 925
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 291,817 3,789 SH   DFND   0 0 3,789
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 12,170 158 SH   SOLE   0 0 158
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 612,157 8,323 SH   DFND   0 0 8,323
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 13,460 183 SH   SOLE   0 0 183
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 27,519 63 SH   SOLE   0 0 63
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 265,079 607 SH   DFND   0 0 607
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 319,061 1,345 SH   DFND   0 0 1,345
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 13,759 58 SH   SOLE   0 0 58
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 896,694 17,565 SH   DFND   0 0 17,565
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 BBG001T62MF5 247,418 5,337 SH   DFND   0 0 5,337
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 BBG001T62MF5 6,445 139 SH   SOLE   0 0 139
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 228,316 4,767 SH   DFND   0 0 4,767
VISA INC COM CL A 92826C839 BBG001SRCFY3 411,874 1,582 SH   DFND   0 0 1,582
WALMART INC COM 931142103 BBG001S5XH92 278,883 1,769 SH   DFND   0 0 1,769