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   145,936 2,807 SH   DFND 1 2,807 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW COM COMMON STOCK 084670702   23,075,448 74,702 SH   DFND 1 74,702 0 0
COMCAST CORP CL A (NEW) COMMON STOCK 20030N101   82,354 2,355 SH   DFND 1 2,355 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   1,834,283 38,503 SH   DFND 1 38,503 0 0
CORTEVA INC COM COMMON STOCK 22052L104   107,861 1,835 SH   DFND 1 1,835 0 0
DOMINION ENERGY INC COM COMMON STOCK 25746U109   71,438 1,165 SH   DFND 1 1,165 0 0
DUPONT DE NEMOURS INC COM COMMON STOCK 26614N102   133,074 1,939 SH   DFND 1 1,939 0 0
ENBRIDGE INC COM NON US EQUITY 29250N105   2,972,030 76,011 SH   DFND 1 76,011 0 0
EOG RESOURCES INC COMMON STOCK 26875P101   77,712 600 SH   DFND 1 600 0 0
EQUITY COMMONWEALTH REAL ESTATE INVESTMENT TRUST 294628102   84,648 3,390 SH   DFND 1 3,390 0 0
BARRICK GOLD CORP NON US EQUITY 067901108   83,838 4,880 SH   DFND 1 4,880 0 0
INGREDION INC COMMON STOCK 457187102   79,813 815 SH   DFND 1 815 0 0
JONES LANG LASALLE INC COMMON STOCK 48020Q107   22,471 141 SH   DFND 1 141 0 0
LOEWS CORP COM COMMON STOCK 540424108   136,201 2,335 SH   DFND 1 2,335 0 0
MEDTRONIC PLC NON US EQUITY G5960L103   76,166 980 SH   DFND 1 980 0 0
MERCK & CO INC COMMON STOCK 58933Y105   2,447,224 22,057 SH   DFND 1 22,057 0 0
STARBUCKS CORP COMMON STOCK 855244109   181,734 1,832 SH   DFND 1 1,832 0 0
TJX COS INC NEW COM COMMON STOCK 872540109   37,810 475 SH   DFND 1 475 0 0
THE TRAVELERS COMPANIES INC COMMON STOCK 89417E109   186,740 996 SH   DFND 1 996 0 0
UNILEVER PLC SPON ADR NEW ADR / IDR / GDR 904767704   130,910 2,600 SH   DFND 1 2,600 0 0
VERIZON COMMUNICATIONS INC COM COMMON STOCK 92343V104   1,219,942 30,963 SH   DFND 1 30,963 0 0
SPDR SER TR BLOOMBERG 1-3 MO EXCHANGE-TRADED FUND 78468R663   231,419 2,530 SH   DFND 1 2,530 0 0
APPLE INC COM COMMON STOCK 037833100   1,575,141 12,123 SH   DFND 1 12,123 0 0
ABBVIE INC COM COMMON STOCK 00287Y109   173,569 1,074 SH   DFND 1 1,074 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100   17,017 155 SH   DFND 1 155 0 0
ACCENTURE PLC NON US EQUITY G1151C101   229,482 860 SH   DFND 1 860 0 0
ADOBE INC COM COMMON STOCK 00724F101   66,969 199 SH   DFND 1 199 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103   133,045 557 SH   DFND 1 557 0 0
AFLAC INC COMMON STOCK 001055102   15,827 220 SH   DFND 1 220 0 0
GALLAGHER ARTHUR J COMMON STOCK 363576109   10,370 55 SH   DFND 1 55 0 0
ALLSTATE CORP COM COMMON STOCK 020002101   70,783 522 SH   DFND 1 522 0 0
ALNYLAM PHARMACEUTICALS INC COMMON STOCK 02043Q107   95,298 401 SH   DFND 1 401 0 0
AMGEN INC COMMON STOCK 031162100   148,917 567 SH   DFND 1 567 0 0
AMERIPRISE FINANCIAL INC COMMON STOCK 03076C106   96,213 309 SH   DFND 1 309 0 0
AMERICAN TOWER CORP NEW COM REAL ESTATE INVESTMENT TRUST 03027X100   6,568 31 SH   DFND 1 31 0 0
AMAZON.COM INC COMMON STOCK 023135106   631,932 7,523 SH   DFND 1 7,523 0 0
APTIV PLC SHS NON US EQUITY G6095L109   112,594 1,209 SH   DFND 1 1,209 0 0
ASML HOLDING NV NON US EQUITY N07059210   8,196 15 SH   DFND 1 15 0 0
ATHENE HOLDING LTD PFD NON US PREFERRED STOCK 04686J309   11,778 492 SH   DFND 1 492 0 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109   32,917 430 SH   DFND 1 430 0 0
BROADCOM INC COM COMMON STOCK 11135F101   366,230 655 SH   DFND 1 655 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   2,364 16 SH   DFND 1 16 0 0
BOEING CO COMMON STOCK 097023105   38,098 200 SH   DFND 1 200 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104   83,032 2,507 SH   DFND 1 2,507 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100   74,380 1,634 SH   DFND 1 1,634 0 0
BOOKING HLDGS INC COM COMMON STOCK 09857L108   572,340 284 SH   DFND 1 284 0 0
BRISTOL-MYERS SQUIBB CO COMMON STOCK 110122108   50,725 705 SH   DFND 1 705 0 0
BROADRIDGE FINANCIAL SOLUTIONS COMMON STOCK 11133T103   63,175 471 SH   DFND 1 471 0 0
BRITISH AMERICAN TOBACCO PLC SPON ADR ADR / IDR / GDR 110448107   82,998 2,076 SH   DFND 1 2,076 0 0
NUVEEN S&P 500 BUY-WRITE INCOME FUND EXCHANGE-TRADED FUND 6706ER101   18,975 1,500 SH   DFND 1 1,500 0 0
CATERPILLAR INC COM COMMON STOCK 149123101   1,843,175 7,694 SH   DFND 1 7,694 0 0
CELANESE CORP DEL COM COMMON STOCK 150870103   54,187 530 SH   DFND 1 530 0 0
CF INDUSTRIES HLDGS COMMON STOCK 125269100   42,600 500 SH   DFND 1 500 0 0
CHARTER COMMUNICATIONS INC CLASS A COMMON STOCK 16119P108   2,374 7 SH   DFND 1 7 0 0
BLACKROCK ENH CAP AND INC EXCHANGE-TRADED FUND 09256A109   23,968 1,400 SH   DFND 1 1,400 0 0
CHINA STL CORP SPON ADR ADR / IDR / GDR 169417102   39 2 SH   DFND 1 2 0 0
CME GROUP INC COMMON STOCK 12572Q105   10,090 60 SH   DFND 1 60 0 0
CUMMINS INC COMMON STOCK 231021106   62,026 256 SH   DFND 1 256 0 0
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105   64,514 694 SH   DFND 1 694 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   90,388 766 SH   DFND 1 766 0 0
CENCORA INC COM COMMON STOCK 03073E105   668,971 4,037 SH   DFND 1 4,037 0 0
SALESFORCE INC COM COMMON STOCK 79466L302   49,589 374 SH   DFND 1 374 0 0
CSX CORP COMMON STOCK 126408103   195,794 6,320 SH   DFND 1 6,320 0 0
CINTAS CORP COMMON STOCK 172908105   18,065 40 SH   DFND 1 40 0 0
CVS HEALTH CORP COM COMMON STOCK 126650100   231,857 2,488 SH   DFND 1 2,488 0 0
CHEVRON CORP NEW COM COMMON STOCK 166764100   362,390 2,019 SH   DFND 1 2,019 0 0
THE ISHARES CORE DIVIDEND GROWTH ETF EXCHANGE-TRADED FUND 46434V621   53,350 1,067 SH   DFND 1 1,067 0 0
DANAHER CORPORATION COM COMMON STOCK 235851102   87,058 328 SH   DFND 1 328 0 0
DISNEY WALT CO COM COMMON STOCK 254687106   136,402 1,570 SH   DFND 1 1,570 0 0
DICKS SPORTING GOODS INC COMMON STOCK 253393102   114,276 950 SH   DFND 1 950 0 0
DANIMER SCIENTIFIC INC COM CL A COMMON STOCK 236272100   895 500 SH   DFND 1 500 0 0
DARDEN RESTAURANTS INC COM COMMON STOCK 237194105   126,019 911 SH   DFND 1 911 0 0
DTE ENERGY CO COM COMMON STOCK 233331107   60,763 517 SH   DFND 1 517 0 0
ECOLAB INC COM COMMON STOCK 278865100   117,904 810 SH   DFND 1 810 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104   1,781,916 18,696 SH   DFND 1 18,696 0 0
ELEVANCE HEALTH INC COM COMMON STOCK 036752103   571,962 1,115 SH   DFND 1 1,115 0 0
EPAM SYSTEMS INC COMMON STOCK 29414B104   213,686 652 SH   DFND 1 652 0 0
EVERSOURCE ENERGY COM COMMON STOCK 30040W108   7,546 90 SH   DFND 1 90 0 0
EATON CORP PLC NON US EQUITY G29183103   1,833,176 11,680 SH   DFND 1 11,680 0 0
EDWARDS LIFESCIENCES CORP COMMON STOCK 28176E108   12,311 165 SH   DFND 1 165 0 0
ISHARES MSCI HONG KONG ETF EXCHANGE-TRADED FUND 464286871   8,425 401 SH   DFND 1 401 0 0
FISERV INC COM COMMON STOCK 337738108   534,761 5,291 SH   DFND 1 5,291 0 0
FIDELITY NATL INFORMATION SVC COMMON STOCK 31620M106   431,594 6,361 SH   DFND 1 6,361 0 0
THE FIDELITY MSCI FINANCIALS INDEX ETF EXCHANGE-TRADED FUND 316092501   27,901 582 SH   DFND 1 582 0 0
FLOOR & DECOR HLDGS INC CL A COMMON STOCK 339750101   201,300 2,891 SH   DFND 1 2,891 0 0
SPDR GOLD TRUST ETF EXCHANGE-TRADED FUND 78463V107   533,857 3,147 SH   DFND 1 3,147 0 0
ALPHABET INC CAP STK CL C COMMON STOCK 02079K107   55,900 630 SH   DFND 1 630 0 0
ALPHABET INC CL A COMMON STOCK 02079K305   1,517,556 17,200 SH   DFND 1 17,200 0 0
WW GRAINGER INC COMMON STOCK 384802104   38,938 70 SH   DFND 1 70 0 0
HASBRO INC COMMON STOCK 418056107   13,727 225 SH   DFND 1 225 0 0
HUNTINGTON BANCSHARES INC COMMON STOCK 446150104   16,004 1,135 SH   DFND 1 1,135 0 0
HCA HEALTHCARE INC COMMON STOCK 40412C101   21,596 90 SH   DFND 1 90 0 0
HOME DEPOT INC COMMON STOCK 437076102   519,274 1,644 SH   DFND 1 1,644 0 0
HP INC COM COMMON STOCK 40434L105   139,724 5,200 SH   DFND 1 5,200 0 0
HOST HOTELS & RESORTS INC REAL ESTATE INVESTMENT TRUST 44107P104   109,349 6,813 SH   DFND 1 6,813 0 0
ISHARES GOLD TR ISHARES NEW ETF EXCHANGE-TRADED FUND 464285204   1,085,849 31,392 SH   DFND 1 31,392 0 0
INTERNATIONAL BUSINESS MACHS COM COMMON STOCK 459200101   296,573 2,105 SH   DFND 1 2,105 0 0
ISHARES TR U.S. MED DVC ETF EXCHANGE-TRADED FUND 464288810   63,084 1,200 SH   DFND 1 1,200 0 0
INTEL CORP COMMON STOCK 458140100   940,353 35,579 SH   DFND 1 35,579 0 0
INTUIT INC COMMON STOCK 461202103   60,329 155 SH   DFND 1 155 0 0
IONIS PHARMACEUTICALS INC COMMON STOCK 462222100   42,718 1,131 SH   DFND 1 1,131 0 0
IQVIA HLDGS INC COM COMMON STOCK 46266C105   832,878 4,065 SH   DFND 1 4,065 0 0
ISHARES TR US AER DEF ETF EXCHANGE-TRADED FUND 464288760   67,116 600 SH   DFND 1 600 0 0
ISHARES TR CORE S&P500 ETF EXCHANGE-TRADED FUND 464287200   7,010,680 18,247 SH   DFND 1 18,247 0 0
ISHARES RUSSELL 2000 ETF EXCHANGE-TRADED FUND 464287655   150,647 864 SH   DFND 1 864 0 0
ISHARES RUSSELL 2000 VALUE ETF EXCHANGE-TRADED FUND 464287630   37,857 273 SH   DFND 1 273 0 0
ISHARES RUSSELL 2000 GROWTH ETF EXCHANGE-TRADED FUND 464287648   90,956 424 SH   DFND 1 424 0 0
ISHARES RUSSELL MIDCAP ETF EXCHANGE-TRADED FUND 464287499   248,283 3,681 SH   DFND 1 3,681 0 0
ISHARES RUSSELL MIDCAP VALUE ETF EXCHANGE-TRADED FUND 464287473   43,400 412 SH   DFND 1 412 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   128,955 730 SH   DFND 1 730 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100   349,733 2,608 SH   DFND 1 2,608 0 0
KEYSIGHT TECHNOLOGIES INC COMMON STOCK 49338L103   64,322 376 SH   DFND 1 376 0 0
KLA CORPORATION COM COMMON STOCK 482480100   207,367 550 SH   DFND 1 550 0 0
CARMAX INC COMMON STOCK 143130102   268,464 4,409 SH   DFND 1 4,409 0 0
COCA COLA CO COM COMMON STOCK 191216100   1,868,544 29,375 SH   DFND 1 29,375 0 0
LITTELFUSE INC COMMON STOCK 537008104   106,136 482 SH   DFND 1 482 0 0
LKQ CORP COMMON STOCK 501889208   110,452 2,068 SH   DFND 1 2,068 0 0
LILLY ELI & CO COM COMMON STOCK 532457108   319,012 872 SH   DFND 1 872 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109   19,460 40 SH   DFND 1 40 0 0
ALLIANT ENERGY CORPORATION COMMON STOCK 018802108   1,536,715 27,834 SH   DFND 1 27,834 0 0
LOWES COMPANIES INC COMMON STOCK 548661107   104,203 523 SH   DFND 1 523 0 0
LPL FINANCIAL HOLDINGS INC COMMON STOCK 50212V100   139,430 645 SH   DFND 1 645 0 0
LYONDELLBASELL INDUSTRIES CL A NON US EQUITY N53745100   1,318,765 15,883 SH   DFND 1 15,883 0 0
LYFT INC CL A COM COMMON STOCK 55087P104   58,472 5,306 SH   DFND 1 5,306 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104   1,646,154 4,734 SH   DFND 1 4,734 0 0
MID-AMERICA APARTMENT COMM REAL ESTATE INVESTMENT TRUST 59522J103   11,774 75 SH   DFND 1 75 0 0
MARRIOT INTERNATIONAL CL A COMMON STOCK 571903202   129,534 870 SH   DFND 1 870 0 0
MASCO CORP COMMON STOCK 574599106   9,334 200 SH   DFND 1 200 0 0
MASIMO CORPORATION COMMON STOCK 574795100   156,383 1,057 SH   DFND 1 1,057 0 0
MCDONALDS CORP COMMON STOCK 580135101   1,814,404 6,885 SH   DFND 1 6,885 0 0
MCKESSON CORP COMMON STOCK 58155Q103   176,682 471 SH   DFND 1 471 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105   128,301 1,925 SH   DFND 1 1,925 0 0
SPDR S&P MIDCAP 400 ETF TRUS EXCHANGE-TRADED FUND 78467Y107   311,724 704 SH   DFND 1 704 0 0
METLIFE INC COMMON STOCK 59156R108   252,354 3,487 SH   DFND 1 3,487 0 0
META PLATFORMS INC CL A COM COMMON STOCK 30303M102   471,492 3,918 SH   DFND 1 3,918 0 0
3M CO COM COMMON STOCK 88579Y101   1,306,888 10,898 SH   DFND 1 10,898 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   28,889 632 SH   DFND 1 632 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102   16,295 140 SH   DFND 1 140 0 0
MARVELL TECHNOLOGY INC COM COMMON STOCK 573874104   14,816 400 SH   DFND 1 400 0 0
MICROSOFT CORP COM COMMON STOCK 594918104   1,354,983 5,650 SH   DFND 1 5,650 0 0
NEXTERA ENERGY INC COM COMMON STOCK 65339F101   102,912 1,231 SH   DFND 1 1,231 0 0
NETFLIX INC COMMON STOCK 64110L106   197,864 671 SH   DFND 1 671 0 0
NIKE INC CL B COM COMMON STOCK 654106103   50,899 435 SH   DFND 1 435 0 0
NNN REIT INC COM REAL ESTATE INVESTMENT TRUST 637417106   8,694 190 SH   DFND 1 190 0 0
PROSHARES TR S&P 500 DV ARIST ETF EXCHANGE-TRADED FUND 74348A467   478,747 5,320 SH   DFND 1 5,320 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102   10,912 20 SH   DFND 1 20 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   29,078 118 SH   DFND 1 118 0 0
NVIDIA CORP COMMON STOCK 67066G104   146,140 1,000 SH   DFND 1 1,000 0 0
NOVARTIS AG SPON ADR ADR / IDR / GDR 66987V109   17,690 195 SH   DFND 1 195 0 0
OLD DOMINION FREIGHT LINE COMMON STOCK 679580100   151,822 535 SH   DFND 1 535 0 0
ISHARES S&P 100 ETF EXCHANGE-TRADED FUND 464287101   81,021 475 SH   DFND 1 475 0 0
OMEGA HEALTHCARE INVESTORS REAL ESTATE INVESTMENT TRUST 681936100   14,115 505 SH   DFND 1 505 0 0
ON SEMICONDUCTOR CORP COM COMMON STOCK 682189105   288,149 4,620 SH   DFND 1 4,620 0 0
ORACLE CORP COMMON STOCK 68389X105   6,457 79 SH   DFND 1 79 0 0
GLOBAL X FDS US INFR DEV ETF EXCHANGE-TRADED FUND 37954Y673   26,490 1,000 SH   DFND 1 1,000 0 0
PAYCOM SOFTWARE INC COMMON STOCK 70432V102   244,524 788 SH   DFND 1 788 0 0
PAYCHEX INC COMMON STOCK 704326107   1,797,420 15,554 SH   DFND 1 15,554 0 0
INVESCO EXCHANGE TRADED FD TR WILDERHIL EXCHANGE-TRADED FUND 46137V134   24,340 635 SH   DFND 1 635 0 0
PACCAR INC COMMON STOCK 693718108   16,330 165 SH   DFND 1 165 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106   79,100 1,291 SH   DFND 1 1,291 0 0
PEPSICO INC COM COMMON STOCK 713448108   45,888 254 SH   DFND 1 254 0 0
PFIZER INC COM COMMON STOCK 717081103   2,149,313 41,946 SH   DFND 1 41,946 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   78,660 519 SH   DFND 1 519 0 0
INVESCO EXCHNG TRADED FD TR II PFD ETF EXCHANGE-TRADED FUND 46138E511   424,225 37,945 SH   DFND 1 37,945 0 0
PACKAGING CORP OF AMERICA COMMON STOCK 695156109   1,381,428 10,800 SH   DFND 1 10,800 0 0
PROLOGIS INC REAL ESTATE INVESTMENT TRUST 74340W103   11,386 101 SH   DFND 1 101 0 0
PHILIP MORRIS INTL INC COM COMMON STOCK 718172109   232,075 2,293 SH   DFND 1 2,293 0 0
PNC FINANCIAL SERVICES GROUP INC COMMON STOCK 693475105   15,794 100 SH   DFND 1 100 0 0
PRIMERICA INC COMMON STOCK 74164M108   114,732 809 SH   DFND 1 809 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   1,581,911 15,905 SH   DFND 1 15,905 0 0
PUBLIC STORAGE COM REAL ESTATE INVESTMENT TRUST 74460D109   30,261 108 SH   DFND 1 108 0 0
PHILLIPS 66 COM COMMON STOCK 718546104   9,992 96 SH   DFND 1 96 0 0
QUANTA SERVICES INC COMMON STOCK 74762E102   59,708 419 SH   DFND 1 419 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103   50,922 715 SH   DFND 1 715 0 0
QUALCOMM INC COM COMMON STOCK 747525103   16,271 148 SH   DFND 1 148 0 0
INVESCO QQQ TR UNIT SER ETF EXCHANGE-TRADED FUND 46090E103   146,188 549 SH   DFND 1 549 0 0
ROBLOX CORP CL A COM COMMON STOCK 771049103   254,859 8,955 SH   DFND 1 8,955 0 0
REGENERON PHARMACEUTICALS COMMON STOCK 75886F107   75,756 105 SH   DFND 1 105 0 0
RH COMMON STOCK 74967X103   57,446 215 SH   DFND 1 215 0 0
ROPER TECHNOLOGIES INC COM COMMON STOCK 776696106   69,566 161 SH   DFND 1 161 0 0
RTX CORPORATION COM COMMON STOCK 75513E101   18,166 180 SH   DFND 1 180 0 0
SHELL PLC SPON ADS ADR ADR / IDR / GDR 780259305   169,483 2,976 SH   DFND 1 2,976 0 0
SHERWIN WILLIAMS CO COMMON STOCK 824348106   250,620 1,056 SH   DFND 1 1,056 0 0
SOUTHERN CO COM COMMON STOCK 842587107   1,652,999 23,148 SH   DFND 1 23,148 0 0
S&P GLOBAL INC COM COMMON STOCK 78409V104   168,140 502 SH   DFND 1 502 0 0
S&P 500 DR (SPDRS) EXCHANGE-TRADED FUND 78462F103   355,277 929 SH   DFND 1 929 0 0
SPDR SERIES TRUST PRTFLO S&P500 GW ETF EXCHANGE-TRADED FUND 78464A409   303,615 5,992 SH   DFND 1 5,992 0 0
SEMPRA COM COMMON STOCK 816851109   16,999 110 SH   DFND 1 110 0 0
STATE STREET CORP COMMON STOCK 857477103   19,005 245 SH   DFND 1 245 0 0
CONSTELLATION BRANDS INC CL A COMMON STOCK 21036P108   124,682 538 SH   DFND 1 538 0 0
STRYKER CORPORATION COM COMMON STOCK 863667101   143,271 586 SH   DFND 1 586 0 0
AT&T INC. COMMON STOCK 00206R102   175,374 9,526 SH   DFND 1 9,526 0 0
TRUIST FINL CORP COM COMMON STOCK 89832Q109   155,338 3,610 SH   DFND 1 3,610 0 0
TARGET CORP COMMON STOCK 87612E106   112,674 756 SH   DFND 1 756 0 0
THERMO FISHER SCIENTIFIC INC COM COMMON STOCK 883556102   87,009 158 SH   DFND 1 158 0 0
TRANSUNION COMMON STOCK 89400J107   4,540 80 SH   DFND 1 80 0 0
TRACTOR SUPPLY CO COMMON STOCK 892356106   28,121 125 SH   DFND 1 125 0 0
TAIWAN SEMICONDUCTOR SPONS ADR ADR / IDR / GDR 874039100   442,545 5,941 SH   DFND 1 5,941 0 0
TYSON FOODS INC CL A COMMON STOCK 902494103   100,907 1,621 SH   DFND 1 1,621 0 0
THE TRADE DESK INC-CLASS A COMMON STOCK 88339J105   214,960 4,795 SH   DFND 1 4,795 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   15,531 94 SH   DFND 1 94 0 0
TEXAS ROADHOUSE INC CL A COMMON STOCK 882681109   51,842 570 SH   DFND 1 570 0 0
UBER TECHNOLOGIES INC COM COMMON STOCK 90353T100   148,899 6,021 SH   DFND 1 6,021 0 0
UGI CORP NEW (HOLDING CO) COMMON STOCK 902681105   17,238 465 SH   DFND 1 465 0 0
ULTA BEAUTY INC COMMON STOCK 90384S303   92,876 198 SH   DFND 1 198 0 0
UNITEDHEALTH GROUP INC COM COMMON STOCK 91324P102   841,926 1,588 SH   DFND 1 1,588 0 0
UNION PACIFIC CORP COM COMMON STOCK 907818108   56,944 275 SH   DFND 1 275 0 0
UNITED PARCEL SERVICE INC CL B COMMON STOCK 911312106   1,737,705 9,996 SH   DFND 1 9,996 0 0
UNITED RENTALS INC COMMON STOCK 911363109   65,753 185 SH   DFND 1 185 0 0
U S BANCORP NEW COMMON STOCK 902973304   144,044 3,303 SH   DFND 1 3,303 0 0
VISA INC COM CL A COMMON STOCK 92826C839   565,730 2,723 SH   DFND 1 2,723 0 0
VANGUARD FINANCIALS ETF EXCHANGE-TRADED FUND 92204A405   29,369 355 SH   DFND 1 355 0 0
VANGUARD INFORMATION TECHNOLOGY INDEX EXCHANGE-TRADED FUND 92204A702   38,649 121 SH   DFND 1 121 0 0
VANGUARD HEALTH CARE EXCHANGE-TRADED FUND 92204A504   16,371 66 SH   DFND 1 66 0 0
VANGUARD DIVIDEND APPRECIATION ETF EXCHANGE-TRADED FUND 921908844   15,641 103 SH   DFND 1 103 0 0
VALERO ENERGY CORP NEW COMMON STOCK 91913Y100   70,027 552 SH   DFND 1 552 0 0
VERISIGN INC COMMON STOCK 92343E102   19,106 93 SH   DFND 1 93 0 0
VANGUARD TOTAL STOCK MARKET ETF EXCHANGE-TRADED FUND 922908769   329,803 1,725 SH   DFND 1 1,725 0 0
VIATRIS INC COM COMMON STOCK 92556V106   1,614 145 SH   DFND 1 145 0 0
VANGUARD GROWTH ETF EXCHANGE-TRADED FUND 922908736   205,225 963 SH   DFND 1 963 0 0
VANGUARD INTL EQUITY INDEX FDS FTSE ETF EXCHANGE-TRADED FUND 922042858   19,100 490 SH   DFND 1 490 0 0
VANGUARD TOTAL INTL STOCK ET EXCHANGE-TRADED FUND 921909768   372,177 7,196 SH   DFND 1 7,196 0 0
VANGUARD HIGH DIVIDEND YIELD ETF EXCHANGE-TRADED FUND 921946406   407,627 3,767 SH   DFND 1 3,767 0 0
WABTEC CORP COMMON STOCK 929740108   64,377 645 SH   DFND 1 645 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108   107,447 2,876 SH   DFND 1 2,876 0 0
WARNER BROS DISCOVERY INC COM SER A COMMON STOCK 934423104   1,441 152 SH   DFND 1 152 0 0
WORKDAY INC COM CL A COMMON STOCK 98138H101   16,733 100 SH   DFND 1 100 0 0
WHIRLPOOL CORP COM COMMON STOCK 963320106   14,853 105 SH   DFND 1 105 0 0
WASTE MGMT INC DEL COM COMMON STOCK 94106L109   1,808,356 11,527 SH   DFND 1 11,527 0 0
WESTBURY METALS GRP COM COMMON STOCK 957289101   0 1,000 SH   DFND 1 1,000 0 0
WALMART INC COMMON STOCK 931142103   83,514 589 SH   DFND 1 589 0 0
SPDR S&P HOMEBUILDERS ETF FUND EXCHANGE-TRADED FUND 78464A888   18,096 300 SH   DFND 1 300 0 0
YUM BRANDS INC COMMON STOCK 988498101   27,281 213 SH   DFND 1 213 0 0
YUM CHINA HOLDINGS INC COMMON STOCK 98850P109   11,640 213 SH   DFND 1 213 0 0
ZEBRA TECH CORP CL A COMMON STOCK 989207105   62,820 245 SH   DFND 1 245 0 0
ZOETIS INC CL A COM COMMON STOCK 98978V103   242,540 1,655 SH   DFND 1 1,655 0 0
CHINA MED TECH INC ADR COMMON STOCK 169483104   256 100 SH   DFND 1 100 0 0
BLACKROCK CORE BOND TRUST EXCHANGE-TRADED FUND 09249E101   29,583 2,850 SH   DFND 1 2,850 0 0
VANGUARD INTERMEDIATE TERM BD ETF EXCHANGE-TRADED FUND 921937819   215,008 2,893 SH   DFND 1 2,893 0 0
BLACKROCK CREDIT ALLOC INCOME TRUST FUND EXCHANGE-TRADED FUND 092508100   15,150 1,500 SH   DFND 1 1,500 0 0
INVESCO ETF TR II S&P GBL WATER EXCHANGE-TRADED FUND 46138E263   68,765 1,475 SH   DFND 1 1,475 0 0
SPDR SER TR BLOOMBERG CONV EXCHANGE-TRADED FUND 78464A359   153,065 2,379 SH   DFND 1 2,379 0 0
EATON VANCE FLOATING RATE INCOME TRUST EXCHANGE-TRADED FUND 278279104   41,687 3,759 SH   DFND 1 3,759 0 0
SPDR SER TR BLOOMBERG INVT EXCHANGE-TRADED FUND 78468R200   96,640 3,180 SH   DFND 1 3,180 0 0
ISHARES TR IBONDS 23 TRM TS ETF EXCHANGE-TRADED FUND 46436E882   1,086,800 44,000 SH   DFND 1 44,000 0 0
ISHARES TR NATIONAL MUN ETF EXCHANGE-TRADED FUND 464288414   173,053 1,640 SH   DFND 1 1,640 0 0
PIMCO DYNAMIC INCOME FD SHS EXCHANGE-TRADED FUND 72201Y101   29,494 1,596 SH   DFND 1 1,596 0 0
SPDR SER TR NUVEEN BLMBRG SH EXCHANGE-TRADED FUND 78468R739   62,249 1,325 SH   DFND 1 1,325 0 0
ISHARES 1-3 YEAR TREASURY BOND ETF EXCHANGE-TRADED FUND 464287457   510,965 6,295 SH   DFND 1 6,295 0 0
SPDR SERIES TRUST PORTFOLIO SHORT ETF EXCHANGE-TRADED FUND 78464A474   558,044 18,994 SH   DFND 1 18,994 0 0
ISHARES 0 5 YEAR TIPS BOND ETF EXCHANGE-TRADED FUND 46429B747   15,804 163 SH   DFND 1 163 0 0
SPDR DOUBLELINE TR TACT ETF EXCHANGE-TRADED FUND 78467V848   560,280 13,993 SH   DFND 1 13,993 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   254,727 558 SH   DFND 1 558 0 0