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
AGNICO EAGLE MINES LTD COM NON US EQUITY 008474108   148,936 2,432 SH   DFND 1 2,432 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW COM COMMON STOCK 084670702   16,403,610 46,481 SH   DFND 1 46,481 0 0
COMCAST CORP CL A (NEW) COMMON STOCK 20030N101   41,202 880 SH   DFND 1 880 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   1,954,946 35,060 SH   DFND 1 35,060 0 0
CORTEVA INC COM COMMON STOCK 22052L104   105,476 1,835 SH   DFND 1 1,835 0 0
DOMINION ENERGY INC COM COMMON STOCK 25746U109   98,990 1,165 SH   DFND 1 1,165 0 0
DUPONT DE NEMOURS INC COM COMMON STOCK 26614N102   117,654 1,599 SH   DFND 1 1,599 0 0
ENBRIDGE INC COM NON US EQUITY 29250N105   3,049,084 66,155 SH   DFND 1 66,155 0 0
EOG RESOURCES INC COMMON STOCK 26875P101   61,403 515 SH   DFND 1 515 0 0
EQUITY COMMONWEALTH REAL ESTATE INVESTMENT TRUST 294628102   95,632 3,390 SH   DFND 1 3,390 0 0
GRAHAM HOLDINGS CO COMMON STOCK 384637104   27,516 45 SH   DFND 1 45 0 0
BARRICK GOLD CORP NON US EQUITY 067901108   105,724 4,310 SH   DFND 1 4,310 0 0
GUIDEWIRE SOFTWARE INC COMMON STOCK 40171V100   34,536 365 SH   DFND 1 365 0 0
INGREDION INC COMMON STOCK 457187102   71,027 815 SH   DFND 1 815 0 0
JONES LANG LASALLE INC COMMON STOCK 48020Q107   33,764 141 SH   DFND 1 141 0 0
LOEWS CORP COM COMMON STOCK 540424108   127,047 1,960 SH   DFND 1 1,960 0 0
MEDTRONIC PLC NON US EQUITY G5960L103   70,453 635 SH   DFND 1 635 0 0
MERCK & CO INC COMMON STOCK 58933Y105   1,770,721 21,581 SH   DFND 1 21,581 0 0
STARBUCKS CORP COMMON STOCK 855244109   155,741 1,712 SH   DFND 1 1,712 0 0
TJX COS INC NEW COM COMMON STOCK 872540109   28,776 475 SH   DFND 1 475 0 0
THE TRAVELERS COMPANIES INC COMMON STOCK 89417E109   164,457 900 SH   DFND 1 900 0 0
UNILEVER PLC SPON ADR NEW ADR / IDR / GDR 904767704   93,419 2,050 SH   DFND 1 2,050 0 0
VERIZON COMMUNICATIONS INC COM COMMON STOCK 92343V104   1,317,105 25,856 SH   DFND 1 25,856 0 0
ALLEGHANY CORP COMMON STOCK 017175100   84,700 100 SH   DFND 1 100 0 0
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101   37,979 287 SH   DFND 1 287 0 0
ADVANCED AUTO PARTS INC COMMON STOCK 00751Y106   20,696 100 SH   DFND 1 100 0 0
APPLE INC COM COMMON STOCK 037833100   1,792,721 10,267 SH   DFND 1 10,267 0 0
ABBVIE INC COM COMMON STOCK 00287Y109   197,126 1,216 SH   DFND 1 1,216 0 0
ACCENTURE PLC NON US EQUITY G1151C101   87,680 260 SH   DFND 1 260 0 0
ADOBE INC COM COMMON STOCK 00724F101   31,893 70 SH   DFND 1 70 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103   20,479 90 SH   DFND 1 90 0 0
AUTODESK INCORPORATED COMMON STOCK 052769106   41,584 194 SH   DFND 1 194 0 0
GALLAGHER ARTHUR J COMMON STOCK 363576109   9,603 55 SH   DFND 1 55 0 0
ALIGN TECHNOLOGY INC COMMON STOCK 016255101   222,360 510 SH   DFND 1 510 0 0
ALASKA AIR GROUP INC COMMON STOCK 011659109   48,960 844 SH   DFND 1 844 0 0
ALLSTATE CORP COM COMMON STOCK 020002101   59,144 427 SH   DFND 1 427 0 0
ALNYLAM PHARMACEUTICALS INC COMMON STOCK 02043Q107   60,417 370 SH   DFND 1 370 0 0
ADVANCED MICRO DEVICES INC COMMON STOCK 007903107   51,390 470 SH   DFND 1 470 0 0
AMGEN INC COMMON STOCK 031162100   179,430 742 SH   DFND 1 742 0 0
AMERIPRISE FINANCIAL INC COMMON STOCK 03076C106   83,800 279 SH   DFND 1 279 0 0
AMERICAN TOWER CORP NEW COM REAL ESTATE INVESTMENT TRUST 03027X100   7,788 31 SH   DFND 1 31 0 0
AMAZON.COM INC COMMON STOCK 023135106   1,180,102 362 SH   DFND 1 362 0 0
ANSYS INC COMMON STOCK 03662Q105   38,436 121 SH   DFND 1 121 0 0
APTIV PLC SHS NON US EQUITY G6095L109   78,290 654 SH   DFND 1 654 0 0
ASML HOLDING NV NON US EQUITY N07059210   10,019 15 SH   DFND 1 15 0 0
ATHENE HOLDING LTD PFD NON US PREFERRED STOCK 04686J309   13,053 492 SH   DFND 1 492 0 0
BROADCOM INC COM COMMON STOCK 11135F101   368,363 585 SH   DFND 1 585 0 0
BOEING CO COMMON STOCK 097023105   108,198 565 SH   DFND 1 565 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104   74,278 1,802 SH   DFND 1 1,802 0 0
BIO RAD LABS INC CL A COMMON STOCK 090572207   36,047 64 SH   DFND 1 64 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100   81,095 1,634 SH   DFND 1 1,634 0 0
BOOKING HLDGS INC COM COMMON STOCK 09857L108   568,325 242 SH   DFND 1 242 0 0
BROADRIDGE FINANCIAL SOLUTIONS COMMON STOCK 11133T103   73,339 471 SH   DFND 1 471 0 0
BRITISH AMERICAN TOBACCO PLC SPON ADR ADR / IDR / GDR 110448107   1,442,842 34,223 SH   DFND 1 34,223 0 0
CATERPILLAR INC COM COMMON STOCK 149123101   1,668,253 7,487 SH   DFND 1 7,487 0 0
COMMERCE BANCSHARES INC COMMON STOCK 200525103   156,424 2,185 SH   DFND 1 2,185 0 0
CELANESE CORP DEL COM COMMON STOCK 150870103   40,004 280 SH   DFND 1 280 0 0
CF INDUSTRIES HLDGS COMMON STOCK 125269100   90,693 880 SH   DFND 1 880 0 0
CHARTER COMMUNICATIONS INC CLASS A COMMON STOCK 16119P108   3,819 7 SH   DFND 1 7 0 0
CHINA STL CORP SPON ADR ADR / IDR / GDR 169417102   54 2 SH   DFND 1 2 0 0
CME GROUP INC COMMON STOCK 12572Q105   14,272 60 SH   DFND 1 60 0 0
CUMMINS INC COMMON STOCK 231021106   44,304 216 SH   DFND 1 216 0 0
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105   51,072 389 SH   DFND 1 389 0 0
COINBASE GLOBAL INC COM CL A COMMON STOCK 19260Q107   72,337 381 SH   DFND 1 381 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   53,800 538 SH   DFND 1 538 0 0
CENCORA INC COM COMMON STOCK 03073E105   565,310 3,654 SH   DFND 1 3,654 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   590,246 1,025 SH   DFND 1 1,025 0 0
CSX CORP COMMON STOCK 126408103   214,776 5,735 SH   DFND 1 5,735 0 0
CINTAS CORP COMMON STOCK 172908105   17,016 40 SH   DFND 1 40 0 0
CVS HEALTH CORP COM COMMON STOCK 126650100   228,127 2,254 SH   DFND 1 2,254 0 0
CHEVRON CORP NEW COM COMMON STOCK 166764100   426,452 2,619 SH   DFND 1 2,619 0 0
CYTODYN INC COM COMMON STOCK 23283M101   5,513 15,000 SH   DFND 1 15,000 0 0
D R HORTON INC COM COMMON STOCK 23331A109   35,914 482 SH   DFND 1 482 0 0
DANAHER CORPORATION COM COMMON STOCK 235851102   74,212 253 SH   DFND 1 253 0 0
DISNEY WALT CO COM COMMON STOCK 254687106   172,822 1,260 SH   DFND 1 1,260 0 0
DICKS SPORTING GOODS INC COMMON STOCK 253393102   95,519 955 SH   DFND 1 955 0 0
DANIMER SCIENTIFIC INC COM CL A COMMON STOCK 236272100   2,930 500 SH   DFND 1 500 0 0
DARDEN RESTAURANTS INC COM COMMON STOCK 237194105   101,840 766 SH   DFND 1 766 0 0
DTE ENERGY CO COM COMMON STOCK 233331107   46,538 352 SH   DFND 1 352 0 0
ECOLAB INC COM COMMON STOCK 278865100   130,654 740 SH   DFND 1 740 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104   1,774,398 18,741 SH   DFND 1 18,741 0 0
ELEVANCE HEALTH INC COM COMMON STOCK 036752103   496,132 1,010 SH   DFND 1 1,010 0 0
EPAM SYSTEMS INC COMMON STOCK 29414B104   175,593 592 SH   DFND 1 592 0 0
EVERSOURCE ENERGY COM COMMON STOCK 30040W108   7,937 90 SH   DFND 1 90 0 0
EATON CORP PLC NON US EQUITY G29183103   1,730,823 11,405 SH   DFND 1 11,405 0 0
EDWARDS LIFESCIENCES CORP COMMON STOCK 28176E108   19,424 165 SH   DFND 1 165 0 0
ISHARES MSCI HONG KONG ETF EXCHANGE-TRADED FUND 464286871   9,051 401 SH   DFND 1 401 0 0
FISERV INC COM COMMON STOCK 337738108   477,594 4,710 SH   DFND 1 4,710 0 0
FIDELITY NATL INFORMATION SVC COMMON STOCK 31620M106   371,855 3,703 SH   DFND 1 3,703 0 0
FIVE BELOW INC COMMON STOCK 33829M101   163,596 1,033 SH   DFND 1 1,033 0 0
THE FIDELITY MSCI FINANCIALS INDEX ETF EXCHANGE-TRADED FUND 316092501   31,515 582 SH   DFND 1 582 0 0
FLOOR & DECOR HLDGS INC CL A COMMON STOCK 339750101   212,949 2,629 SH   DFND 1 2,629 0 0
SPDR GOLD TRUST ETF EXCHANGE-TRADED FUND 78463V107   568,506 3,147 SH   DFND 1 3,147 0 0
ALPHABET INC CAP STK CL C COMMON STOCK 02079K107   58,653 21 SH   DFND 1 21 0 0
ALPHABET INC CL A COMMON STOCK 02079K305   1,971,977 709 SH   DFND 1 709 0 0
GLOBAL PAYMENTS INC COMMON STOCK 37940X102   67,188 491 SH   DFND 1 491 0 0
WW GRAINGER INC COMMON STOCK 384802104   20,632 40 SH   DFND 1 40 0 0
HCA HEALTHCARE INC COMMON STOCK 40412C101   22,556 90 SH   DFND 1 90 0 0
HOME DEPOT INC COMMON STOCK 437076102   357,101 1,193 SH   DFND 1 1,193 0 0
HP INC COM COMMON STOCK 40434L105   144,656 3,985 SH   DFND 1 3,985 0 0
HOST HOTELS & RESORTS INC REAL ESTATE INVESTMENT TRUST 44107P104   99,734 5,133 SH   DFND 1 5,133 0 0
ISHARES GOLD TR ISHARES NEW ETF EXCHANGE-TRADED FUND 464285204   1,156,167 31,392 SH   DFND 1 31,392 0 0
INTERNATIONAL BUSINESS MACHS COM COMMON STOCK 459200101   256,790 1,975 SH   DFND 1 1,975 0 0
INTERCONTINENTAL EXCHANGE INC COMMON STOCK 45866F104   49,545 375 SH   DFND 1 375 0 0
INTEL CORP COMMON STOCK 458140100   1,405,076 28,351 SH   DFND 1 28,351 0 0
INTUIT INC COMMON STOCK 461202103   80,300 167 SH   DFND 1 167 0 0
IONIS PHARMACEUTICALS INC COMMON STOCK 462222100   35,818 967 SH   DFND 1 967 0 0
IQVIA HLDGS INC COM COMMON STOCK 46266C105   846,691 3,662 SH   DFND 1 3,662 0 0
ISHARES TR CORE S&P500 ETF EXCHANGE-TRADED FUND 464287200   7,487,246 16,503 SH   DFND 1 16,503 0 0
ISHARES RUSSELL 2000 ETF EXCHANGE-TRADED FUND 464287655   177,353 864 SH   DFND 1 864 0 0
ISHARES RUSSELL 2000 VALUE ETF EXCHANGE-TRADED FUND 464287630   44,062 273 SH   DFND 1 273 0 0
ISHARES RUSSELL 2000 GROWTH ETF EXCHANGE-TRADED FUND 464287648   437,077 1,709 SH   DFND 1 1,709 0 0
ISHARES RUSSELL MIDCAP ETF EXCHANGE-TRADED FUND 464287499   287,265 3,681 SH   DFND 1 3,681 0 0
ISHARES RUSSELL MIDCAP VALUE ETF EXCHANGE-TRADED FUND 464287473   49,292 412 SH   DFND 1 412 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   107,579 607 SH   DFND 1 607 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100   300,313 2,203 SH   DFND 1 2,203 0 0
KEYSIGHT TECHNOLOGIES INC COMMON STOCK 49338L103   59,397 376 SH   DFND 1 376 0 0
KLA CORPORATION COM COMMON STOCK 482480100   168,388 460 SH   DFND 1 460 0 0
CARMAX INC COMMON STOCK 143130102   380,035 3,939 SH   DFND 1 3,939 0 0
COCA COLA CO COM COMMON STOCK 191216100   1,837,494 29,637 SH   DFND 1 29,637 0 0
LITTELFUSE INC COMMON STOCK 537008104   106,498 427 SH   DFND 1 427 0 0
LKQ CORP COMMON STOCK 501889208   87,323 1,923 SH   DFND 1 1,923 0 0
LILLY ELI & CO COM COMMON STOCK 532457108   102,234 357 SH   DFND 1 357 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109   17,656 40 SH   DFND 1 40 0 0
ALLIANT ENERGY CORPORATION COMMON STOCK 018802108   1,684,336 26,958 SH   DFND 1 26,958 0 0
LOWES COMPANIES INC COMMON STOCK 548661107   316,427 1,565 SH   DFND 1 1,565 0 0
LYONDELLBASELL INDUSTRIES CL A NON US EQUITY N53745100   1,539,935 14,977 SH   DFND 1 14,977 0 0
LYFT INC CL A COM COMMON STOCK 55087P104   161,741 4,212 SH   DFND 1 4,212 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104   1,482,055 4,147 SH   DFND 1 4,147 0 0
MID-AMERICA APARTMENT COMM REAL ESTATE INVESTMENT TRUST 59522J103   15,709 75 SH   DFND 1 75 0 0
MASCO CORP COMMON STOCK 574599106   10,200 200 SH   DFND 1 200 0 0
MASIMO CORPORATION COMMON STOCK 574795100   140,009 962 SH   DFND 1 962 0 0
MCDONALDS CORP COMMON STOCK 580135101   1,731,455 7,002 SH   DFND 1 7,002 0 0
MCKESSON CORP COMMON STOCK 58155Q103   91,839 300 SH   DFND 1 300 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105   135,605 2,160 SH   DFND 1 2,160 0 0
SPDR S&P MIDCAP 400 ETF TRUS EXCHANGE-TRADED FUND 78467Y107   440,424 898 SH   DFND 1 898 0 0
METLIFE INC COMMON STOCK 59156R108   66,415 945 SH   DFND 1 945 0 0
META PLATFORMS INC CL A COM COMMON STOCK 30303M102   723,559 3,254 SH   DFND 1 3,254 0 0
3M CO COM COMMON STOCK 88579Y101   1,479,123 9,935 SH   DFND 1 9,935 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   33,022 632 SH   DFND 1 632 0 0
MICROSOFT CORP COM COMMON STOCK 594918104   1,478,038 4,794 SH   DFND 1 4,794 0 0
NEXTERA ENERGY INC COM COMMON STOCK 65339F101   83,016 980 SH   DFND 1 980 0 0
NETFLIX INC COMMON STOCK 64110L106   232,995 622 SH   DFND 1 622 0 0
NIKE INC CL B COM COMMON STOCK 654106103   32,294 240 SH   DFND 1 240 0 0
NNN REIT INC COM REAL ESTATE INVESTMENT TRUST 637417106   8,539 190 SH   DFND 1 190 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102   8,944 20 SH   DFND 1 20 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   27,952 98 SH   DFND 1 98 0 0
NVIDIA CORP COMMON STOCK 67066G104   54,572 200 SH   DFND 1 200 0 0
NXP SEMICONDUCTORS NV ORD NON US EQUITY N6596X109   11,105 60 SH   DFND 1 60 0 0
OLD DOMINION FREIGHT LINE COMMON STOCK 679580100   156,807 525 SH   DFND 1 525 0 0
ISHARES S&P 100 ETF EXCHANGE-TRADED FUND 464287101   99,047 475 SH   DFND 1 475 0 0
ONEMAIN HOLDINGS INC COMMON STOCK 68268W103   112,362 2,370 SH   DFND 1 2,370 0 0
ON SEMICONDUCTOR CORP COM COMMON STOCK 682189105   296,771 4,740 SH   DFND 1 4,740 0 0
ORACLE CORP COMMON STOCK 68389X105   6,536 79 SH   DFND 1 79 0 0
PAYCOM SOFTWARE INC COMMON STOCK 70432V102   252,511 729 SH   DFND 1 729 0 0
PAYCHEX INC COMMON STOCK 704326107   2,044,321 14,980 SH   DFND 1 14,980 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106   62,020 886 SH   DFND 1 886 0 0
PEPSICO INC COM COMMON STOCK 713448108   15,064 90 SH   DFND 1 90 0 0
PFIZER INC COM COMMON STOCK 717081103   2,149,232 41,515 SH   DFND 1 41,515 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   26,740 175 SH   DFND 1 175 0 0
INVESCO EXCHNG TRADED FD TR II PFD ETF EXCHANGE-TRADED FUND 46138E511   540,452 39,827 SH   DFND 1 39,827 0 0
PINTEREST INC CL A COMMON STOCK 72352L106   490,379 19,926 SH   DFND 1 19,926 0 0
PROLOGIS INC REAL ESTATE INVESTMENT TRUST 74340W103   16,309 101 SH   DFND 1 101 0 0
PHILIP MORRIS INTL INC COM COMMON STOCK 718172109   286,799 3,053 SH   DFND 1 3,053 0 0
PRIMERICA INC COMMON STOCK 74164M108   101,794 744 SH   DFND 1 744 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   1,821,000 15,410 SH   DFND 1 15,410 0 0
QUANTA SERVICES INC COMMON STOCK 74762E102   73,570 559 SH   DFND 1 559 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103   79,220 685 SH   DFND 1 685 0 0
ROBLOX CORP CL A COM COMMON STOCK 771049103   254,597 5,506 SH   DFND 1 5,506 0 0
REGENERON PHARMACEUTICALS COMMON STOCK 75886F107   69,842 100 SH   DFND 1 100 0 0
RH COMMON STOCK 74967X103   68,479 210 SH   DFND 1 210 0 0
ROBERT HALF INC COM COMMON STOCK 770323103   134,732 1,180 SH   DFND 1 1,180 0 0
ROPER TECHNOLOGIES INC COM COMMON STOCK 776696106   59,501 126 SH   DFND 1 126 0 0
REPUBLIC SERVICES INC COMMON STOCK 760759100   53,530 404 SH   DFND 1 404 0 0
RTX CORPORATION COM COMMON STOCK 75513E101   257,087 2,595 SH   DFND 1 2,595 0 0
SHELL PLC SPON ADS ADR ADR / IDR / GDR 780259305   261,247 4,756 SH   DFND 1 4,756 0 0
SHERWIN WILLIAMS CO COMMON STOCK 824348106   255,112 1,022 SH   DFND 1 1,022 0 0
SITEONE LANDSCAPE SUPPLY INC COMMON STOCK 82982L103   50,932 315 SH   DFND 1 315 0 0
SCOTTS MIRACLE GRO CO CL A COMMON STOCK 810186106   37,257 303 SH   DFND 1 303 0 0
SYNOPSYS INC COMMON STOCK 871607107   72,986 219 SH   DFND 1 219 0 0
SOUTHERN CO COM COMMON STOCK 842587107   1,654,678 22,820 SH   DFND 1 22,820 0 0
S&P GLOBAL INC COM COMMON STOCK 78409V104   199,758 487 SH   DFND 1 487 0 0
S&P 500 DR (SPDRS) EXCHANGE-TRADED FUND 78462F103   419,574 929 SH   DFND 1 929 0 0
CONSTELLATION BRANDS INC CL A COMMON STOCK 21036P108   82,455 358 SH   DFND 1 358 0 0
STANLEY BLACK & DECKER INC COMMON STOCK 854502101   37,464 268 SH   DFND 1 268 0 0
STRYKER CORPORATION COM COMMON STOCK 863667101   93,840 351 SH   DFND 1 351 0 0
AT&T INC. COMMON STOCK 00206R102   193,033 8,169 SH   DFND 1 8,169 0 0
TENCENT HOLDINGS LIMITED ADR ADR / IDR / GDR 88032Q109   218,545 4,708 SH   DFND 1 4,708 0 0
TRUIST FINL CORP COM COMMON STOCK 89832Q109   189,662 3,345 SH   DFND 1 3,345 0 0
TARGET CORP COMMON STOCK 87612E106   197,577 931 SH   DFND 1 931 0 0
THERMO FISHER SCIENTIFIC INC COM COMMON STOCK 883556102   72,650 123 SH   DFND 1 123 0 0
TRANSUNION COMMON STOCK 89400J107   8,267 80 SH   DFND 1 80 0 0
TRACTOR SUPPLY CO COMMON STOCK 892356106   16,336 70 SH   DFND 1 70 0 0
TAIWAN SEMICONDUCTOR SPONS ADR ADR / IDR / GDR 874039100   486,269 4,664 SH   DFND 1 4,664 0 0
TYSON FOODS INC CL A COMMON STOCK 902494103   70,987 792 SH   DFND 1 792 0 0
THE TRADE DESK INC-CLASS A COMMON STOCK 88339J105   305,393 4,410 SH   DFND 1 4,410 0 0
TTEC HLDGS INC COM COMMON STOCK 89854H102   97,786 1,185 SH   DFND 1 1,185 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   17,247 94 SH   DFND 1 94 0 0
UBER TECHNOLOGIES INC COM COMMON STOCK 90353T100   198,095 5,552 SH   DFND 1 5,552 0 0
UNITEDHEALTH GROUP INC COM COMMON STOCK 91324P102   721,098 1,414 SH   DFND 1 1,414 0 0
UNION PACIFIC CORP COM COMMON STOCK 907818108   61,472 225 SH   DFND 1 225 0 0
UNITED PARCEL SERVICE INC CL B COMMON STOCK 911312106   1,871,807 8,728 SH   DFND 1 8,728 0 0
U S BANCORP NEW COMMON STOCK 902973304   176,086 3,313 SH   DFND 1 3,313 0 0
VISA INC COM CL A COMMON STOCK 92826C839   522,490 2,356 SH   DFND 1 2,356 0 0
VANGUARD FINANCIALS ETF EXCHANGE-TRADED FUND 92204A405   33,153 355 SH   DFND 1 355 0 0
VANGUARD INFORMATION TECHNOLOGY INDEX EXCHANGE-TRADED FUND 92204A702   50,394 121 SH   DFND 1 121 0 0
VANGUARD HEALTH CARE EXCHANGE-TRADED FUND 92204A504   16,789 66 SH   DFND 1 66 0 0
VANGUARD DIVIDEND APPRECIATION ETF EXCHANGE-TRADED FUND 921908844   16,702 103 SH   DFND 1 103 0 0
VALERO ENERGY CORP NEW COMMON STOCK 91913Y100   45,388 447 SH   DFND 1 447 0 0
VANGUARD INDEX FDS REAL ESTATE ETF EXCHANGE-TRADED FUND 922908553   15,172 140 SH   DFND 1 140 0 0
VERISIGN INC COMMON STOCK 92343E102   20,689 93 SH   DFND 1 93 0 0
VANGUARD TOTAL STOCK MARKET ETF EXCHANGE-TRADED FUND 922908769   486,303 2,136 SH   DFND 1 2,136 0 0
VIATRIS INC COM COMMON STOCK 92556V106   1,578 145 SH   DFND 1 145 0 0
VANGUARD GROWTH ETF EXCHANGE-TRADED FUND 922908736   347,133 1,207 SH   DFND 1 1,207 0 0
VANGUARD INTL EQUITY INDEX FDS FTSE ETF EXCHANGE-TRADED FUND 922042858   22,604 490 SH   DFND 1 490 0 0
VANGUARD TOTAL INTL STOCK ET EXCHANGE-TRADED FUND 921909768   528,878 8,853 SH   DFND 1 8,853 0 0
VANGUARD HIGH DIVIDEND YIELD ETF EXCHANGE-TRADED FUND 921946406   503,890 4,489 SH   DFND 1 4,489 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108   69,886 1,561 SH   DFND 1 1,561 0 0
WORKDAY INC COM CL A COMMON STOCK 98138H101   23,946 100 SH   DFND 1 100 0 0
WASTE MGMT INC DEL COM COMMON STOCK 94106L109   1,819,422 11,479 SH   DFND 1 11,479 0 0
WESTBURY METALS GRP COM COMMON STOCK 957289101   0 1,000 SH   DFND 1 1,000 0 0
WALMART INC COMMON STOCK 931142103   61,653 414 SH   DFND 1 414 0 0
ZEBRA TECH CORP CL A COMMON STOCK 989207105   99,288 240 SH   DFND 1 240 0 0
ZOETIS INC CL A COM COMMON STOCK 98978V103   282,885 1,500 SH   DFND 1 1,500 0 0
CHINA MED TECH INC ADR COMMON STOCK 169483104   256 100 SH   DFND 1 100 0 0
ANNALY CAPITAL MANAGEMENT IN REAL ESTATE INVESTMENT TRUST 035710409   252,032 35,800 SH   DFND 1 35,800 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100   13,020 110 SH   DFND 1 110 0 0
HASBRO INC COMMON STOCK 418056107   12,288 150 SH   DFND 1 150 0 0
HUNTINGTON BANCSHARES INC COMMON STOCK 446150104   13,158 900 SH   DFND 1 900 0 0
KOHLS CORP COMMON STOCK 500255104   14,813 245 SH   DFND 1 245 0 0
NOVARTIS AG SPON ADR ADR / IDR / GDR 66987V109   14,479 165 SH   DFND 1 165 0 0
OMEGA HEALTHCARE INVESTORS REAL ESTATE INVESTMENT TRUST 681936100   14,645 470 SH   DFND 1 470 0 0
PNC FINANCIAL SERVICES GROUP INC COMMON STOCK 693475105   11,989 65 SH   DFND 1 65 0 0
SEMPRA COM COMMON STOCK 816851109   17,653 105 SH   DFND 1 105 0 0
STATE STREET CORP COMMON STOCK 857477103   12,632 145 SH   DFND 1 145 0 0
UGI CORP NEW (HOLDING CO) COMMON STOCK 902681105   11,228 310 SH   DFND 1 310 0 0
WHIRLPOOL CORP COM COMMON STOCK 963320106   11,231 65 SH   DFND 1 65 0 0
VANGUARD INTERMEDIATE TERM BD ETF EXCHANGE-TRADED FUND 921937819   297,707 3,635 SH   DFND 1 3,635 0 0
INVESCO ETF TR II S&P GBL WATER EXCHANGE-TRADED FUND 46138E263   77,312 1,475 SH   DFND 1 1,475 0 0
SPDR SER TR BLOOMBERG CONV EXCHANGE-TRADED FUND 78464A359   205,764 2,674 SH   DFND 1 2,674 0 0
ISHARES TR IBOXX HI YD ETF EXCHANGE-TRADED FUND 464288513   29,624 360 SH   DFND 1 360 0 0
ISHARES TR NATIONAL MUN ETF EXCHANGE-TRADED FUND 464288414   158,978 1,450 SH   DFND 1 1,450 0 0
SPDR SER TR NUVEEN BLMBRG SH EXCHANGE-TRADED FUND 78468R739   56,796 1,200 SH   DFND 1 1,200 0 0
ISHARES 1-3 YEAR TREASURY BOND ETF EXCHANGE-TRADED FUND 464287457   525,522 6,305 SH   DFND 1 6,305 0 0
SPDR SERIES TRUST PORTFOLIO SHORT ETF EXCHANGE-TRADED FUND 78464A474   599,406 19,894 SH   DFND 1 19,894 0 0
ISHARES 0 5 YEAR TIPS BOND ETF EXCHANGE-TRADED FUND 46429B747   17,105 163 SH   DFND 1 163 0 0
SPDR DOUBLELINE TR TACT ETF EXCHANGE-TRADED FUND 78467V848   654,716 14,624 SH   DFND 1 14,624 0 0
VANGUARD MORTGAGE BACKED SECURITIES ETF EXCHANGE-TRADED FUND 92206C771   251 5 SH   DFND 1 5 0 0