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
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 88,333 515 SH   SOLE   0 0 515
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 162,601 948 SH   DFND   0 0 948
ADOBE INC COM 00724F101 BBG001S5NCQ5 301,659 543 SH   DFND   0 0 543
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 632,061 3,470 SH   DFND   0 0 3,470
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 544,941 2,971 SH   DFND   0 0 2,971
AMAZON COM INC COM 023135106 BBG001S5PQL7 726,234 3,758 SH   DFND   0 0 3,758
AMERICAN ELEC PWR CO INC COM 025537101 BBG001S5NFD2 313,759 3,576 SH   DFND   0 0 3,576
AMERICAN TOWER CORP NEW COM 03027X100 BBG001S5NPQ6 257,554 1,325 SH   DFND   0 0 1,325
AMGEN INC COM 031162100 BBG001S5NNL6 252,460 808 SH   DFND   0 0 808
AMGEN INC COM 031162100 BBG001S5NNL6 124,980 400 SH   SOLE   0 0 400
APPLE INC COM 037833100 BBG001S5N8V8 1,275,305 6,055 SH   DFND   0 0 6,055
ASML HOLDING N V N Y REGISTRY SHS N07059210 BBG001SCG0R3 351,820 344 SH   DFND   0 0 344
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 252,216 620 SH   DFND   0 0 620
BROADCOM INC COM 11135F101 BBG00KHY5SY8 521,798 325 SH   DFND   0 0 325
CAPITAL ONE FINL CORP COM 14040H105 BBG001S65PV8 249,210 1,800 SH   DFND   0 0 1,800
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 320,036 2,046 SH   DFND   0 0 2,046
CINCINNATI FINL CORP COM 172062101 BBG001S5PTM0 242,105 2,050 SH   DFND   0 0 2,050
CINTAS CORP COM 172908105 BBG001S7CRG1 303,913 434 SH   DFND   0 0 434
CME GROUP INC COM 12572Q105 BBG001S86547 202,302 1,029 SH   DFND   0 0 1,029
COCA COLA CO COM 191216100 BBG001S5SMQ8 449,051 7,055 SH   DFND   0 0 7,055
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 424,995 500 SH   DFND   0 0 500
CSX CORP COM 126408103 BBG001S5Q7Q3 211,672 6,328 SH   DFND   0 0 6,328
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 436,079 13,526 SH   SOLE   0 0 13,526
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 26,824 832 SH   DFND   0 0 832
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 BBG0177CTQC7 15,198 387 SH   DFND   0 0 387
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 BBG0177CTQC7 252,624 6,433 SH   SOLE   0 0 6,433
DISNEY WALT CO COM 254687106 BBG001S5QHF3 8,937 90 SH   SOLE   0 0 90
DISNEY WALT CO COM 254687106 BBG001S5QHF3 343,345 3,458 SH   DFND   0 0 3,458
DUKE ENERGY CORP NEW COM NEW 26441C204 BBG001S5QNR7 242,858 2,423 SH   DFND   0 0 2,423
ELI LILLY & CO COM 532457108 BBG001S5STL8 92,920 103 SH   SOLE   0 0 103
ELI LILLY & CO COM 532457108 BBG001S5STL8 462,650 511 SH   DFND   0 0 511
EOG RES INC COM 26875P101 BBG001S5ZB93 267,474 2,125 SH   DFND   0 0 2,125
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 401,194 3,485 SH   DFND   0 0 3,485
FIFTH THIRD BANCORP COM 316773100 BBG001S5R6S2 245,250 6,721 SH   DFND   0 0 6,721
FRANKLIN TEMPLETON ETF TR US CORE BOND ETF 35473P553 BBG00Q6LNJQ4 539,111 25,514 SH   DFND   0 0 25,514
FRANKLIN TEMPLETON ETF TR US TREASURY BOND 35473P488 BBG00V7V3MT2 314,473 15,476 SH   DFND   0 0 15,476
HCA HEALTHCARE INC COM 40412C101 BBG001T8NTY2 289,152 900 SH   DFND   0 0 900
HOME DEPOT INC COM 437076102 BBG001S5RTW7 8,606 25 SH   SOLE   0 0 25
HOME DEPOT INC COM 437076102 BBG001S5RTW7 369,370 1,073 SH   DFND   0 0 1,073
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 220,166 1,273 SH   DFND   0 0 1,273
ISHARES TR 0-5YR HI YL CP 46434V407 BBG005DW06B7 285,272 6,760 SH   DFND   0 0 6,760
ISHARES TR 10-20 YR TRS ETF 464288653 BBG001SSD830 476,210 4,637 SH   DFND   0 0 4,637
ISHARES TR CORE MSCI TOTAL 46432F834 BBG003H6TMV7 264,295 3,912 SH   DFND   0 0 3,912
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 2,139,600 20,060 SH   DFND   0 0 20,060
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 1,406,588 2,570 SH   DFND   0 0 2,570
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 43,320 79 SH   SOLE   0 0 79
ISHARES TR IBOXX HI YD ETF 464288513 BBG001ST0ZQ7 303,006 3,928 SH   DFND   0 0 3,928
ISHARES TR INTL SEL DIV ETF 464288448 BBG001S7Y5C9 217,155 7,848 SH   DFND   0 0 7,848
J P MORGAN EXCHANGE TRADED F BETABUILDERS I 46641Q373 BBG00QRCN9C8 376,230 6,368 SH   DFND   0 0 6,368
J P MORGAN EXCHANGE TRADED F BETABUILDERS US 46641Q241 BBG00MSHTH59 937,524 20,646 SH   DFND   0 0 20,646
J P MORGAN EXCHANGE TRADED F BETABUILDERS USD 46641Q878 BBG00DRLJ399 737,982 16,134 SH   DFND   0 0 16,134
J P MORGAN EXCHANGE TRADED F BETABUILDRS US 46641Q399 BBG00NKWFC12 1,628,940 16,602 SH   DFND   0 0 16,602
J P MORGAN EXCHANGE TRADED F GLOBAL SEL EQUIT 46654Q740 BBG01J1LP500 910,047 15,067 SH   DFND   0 0 15,067
J P MORGAN EXCHANGE TRADED F INTRNL RES EQT 46641Q134 BBG016CBQVP3 704,230 11,250 SH   DFND   0 0 11,250
JPMORGAN CHASE & CO. COM 46625H100 BBG001S8CRC3 664,425 3,285 SH   DFND   0 0 3,285
KLA CORP COM NEW 482480100 BBG001S5SLM4 357,838 434 SH   DFND   0 0 434
LINDE PLC SHS G54950103 BBG01FND0CH6 259,337 591 SH   DFND   0 0 591
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 313,892 672 SH   DFND   0 0 672
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 15,107 32 SH   SOLE   0 0 32
MARATHON PETE CORP COM 56585A102 BBG001S169P1 267,160 1,540 SH   DFND   0 0 1,540
MARSH & MCLENNAN COS INC COM 571748102 BBG001S5T7M4 344,106 1,633 SH   DFND   0 0 1,633
MASIMO CORP COM 574795100 BBG001S71GQ6 1,813,536 14,400 SH   SOLE   0 0 14,400
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 369,251 837 SH   DFND   0 0 837
MCDONALDS CORP COM 580135101 BBG001S5T110 304,789 1,196 SH   DFND   0 0 1,196
MERCK & CO INC COM 58933Y105 BBG001S5TC52 411,140 3,321 SH   DFND   0 0 3,321
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 333,290 661 SH   DFND   0 0 661
METLIFE INC COM 59156R108 BBG001S5T3R8 254,580 3,627 SH   DFND   0 0 3,627
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,704,221 3,813 SH   DFND   0 0 3,813
MICROSOFT CORP COM 594918104 BBG001S5TD05 117,995 264 SH   SOLE   0 0 264
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 330,258 4,664 SH   DFND   0 0 4,664
NNN REIT INC COM 637417106 BBG001S6Z1P5 219,390 5,150 SH   DFND   0 0 5,150
NORTHROP GRUMMAN CORP COM 666807102 BBG001S5TP26 469,519 1,077 SH   SOLE   0 0 1,077
NORTHROP GRUMMAN CORP COM 666807102 BBG001S5TP26 197,050 452 SH   DFND   0 0 452
NUSHARES ETF TR ESG HI TLD CRP 67092P854 BBG00QD6KLQ7 389,845 18,635 SH   DFND   0 0 18,635
NUSHARES ETF TR NUVEEN ESG EMRGN 67092P888 BBG00GVX41Y3 290,256 10,124 SH   DFND   0 0 10,124
NUSHARES ETF TR NUVEEN ESG INTL 67092P805 BBG00GVWYK25 762,903 24,507 SH   DFND   0 0 24,507
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 BBG00FJ5GY57 1,073,910 13,232 SH   DFND   0 0 13,232
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 BBG00FJ5HBJ1 797,558 21,105 SH   DFND   0 0 21,105
NUSHARES ETF TR NUVEEN ESG US 67092P870 BBG00HTVKZ20 1,113,148 51,015 SH   DFND   0 0 51,015
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 1,371,789 11,104 SH   DFND   0 0 11,104
NXP SEMICONDUCTORS N V COM N6596X109 BBG001SF62F6 295,999 1,100 SH   DFND   0 0 1,100
PARKER-HANNIFIN CORP COM 701094104 BBG001S5V554 253,917 502 SH   DFND   0 0 502
PEPSICO INC COM 713448108 BBG001S695T1 239,314 1,451 SH   DFND   0 0 1,451
PHILIP MORRIS INTL INC COM 718172109 BBG001STP9N1 249,272 2,460 SH   DFND   0 0 2,460
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 211,228 1,281 SH   SOLE   0 0 1,281
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 453,860 2,752 SH   DFND   0 0 2,752
PROLOGIS INC. COM 74340W103 BBG001S5NMN6 481,249 4,285 SH   DFND   0 0 4,285
QUANTA SVCS INC COM 74762E102 BBG001S5VH85 254,090 1,000 SH   DFND   0 0 1,000
SALESFORCE INC COM 79466L302 BBG001SDLP09 209,794 816 SH   DFND   0 0 816
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 1,005,183 28,654 SH   DFND   0 0 28,654
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 633,572 16,819 SH   DFND   0 0 16,819
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 4,534,986 8,333 SH   DFND   0 0 8,333
SPDR SER TR BLOOMBERG HIGH Y 78468R622 BBG001SQS7X7 220,687 2,341 SH   DFND   0 0 2,341
SPDR SER TR PORTFOLIO AGRGTE 78464A649 BBG001STKD11 228,846 9,121 SH   DFND   0 0 9,121
SPDR SER TR PORTFOLIO S&P400 78464A847 BBG001SPT9T9 221,514 4,318 SH   DFND   0 0 4,318
SPDR SER TR PORTFOLIO S&P500 78464A854 BBG001SPTB87 680,512 10,633 SH   DFND   0 0 10,633
SPDR SER TR PORTFOLIO S&P600 78468R853 BBG004T58LZ5 280,120 6,745 SH   DFND   0 0 6,745
SPDR SER TR PORTFOLIO S&P600 78468R853 BBG004T58LZ5 4,005 96 SH   SOLE   0 0 96
SPDR SER TR RUSSELL YIELD 78468R770 BBG00BL38SV1 180,402 1,739 SH   DFND   0 0 1,739
SPDR SER TR RUSSELL YIELD 78468R770 BBG00BL38SV1 21,947 212 SH   SOLE   0 0 212
SSGA ACTIVE TR SPDR SSGA US SCT 78470P408 BBG00NS9VV15 719,840 14,145 SH   DFND   0 0 14,145
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 261,016 472 SH   DFND   0 0 472
TJX COS INC NEW COM 872540109 BBG001S5WQ93 296,830 2,696 SH   DFND   0 0 2,696
T-MOBILE US INC COM 872590104 BBG001SKR9Y6 211,416 1,200 SH   DFND   0 0 1,200
TRANE TECHNOLOGIES PLC SHS G8994E103 BBG001S5SBV6 343,074 1,043 SH   DFND   0 0 1,043
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 469,029 921 SH   DFND   0 0 921
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 17,532 229 SH   SOLE   0 0 229
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 296,347 3,864 SH   DFND   0 0 3,864
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 599,168 8,316 SH   DFND   0 0 8,316
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 13,186 183 SH   SOLE   0 0 183
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 265,080 530 SH   DFND   0 0 530
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 39,011 78 SH   SOLE   0 0 78
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 15,516 58 SH   SOLE   0 0 58
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 356,859 1,334 SH   DFND   0 0 1,334
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 901,179 17,984 SH   DFND   0 0 17,984
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 BBG001T62MF5 302,334 6,659 SH   DFND   0 0 6,659
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 BBG001T62MF5 7,451 164 SH   SOLE   0 0 164
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 231,550 4,685 SH   DFND   0 0 4,685
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 4,016 81 SH   SOLE   0 0 81
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 244,554 5,930 SH   DFND   0 0 5,930
VERTEX PHARMACEUTICALS INC COM 92532F100 BBG001S68LJ8 389,976 832 SH   DFND   0 0 832
VISA INC COM CL A 92826C839 BBG001SRCFY3 414,441 1,579 SH   DFND   0 0 1,579
WALMART INC COM 931142103 BBG001S5XH92 352,973 5,213 SH   DFND   0 0 5,213