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   158,537 3,172 SH   DFND 1 3,172 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW COM COMMON STOCK 084670702   25,419,163 74,543 SH   DFND 1 74,543 0 0
COMCAST CORP CL A (NEW) COMMON STOCK 20030N101   103,460 2,490 SH   DFND 1 2,490 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   2,009,478 38,838 SH   DFND 1 38,838 0 0
CORTEVA INC COM COMMON STOCK 22052L104   105,146 1,835 SH   DFND 1 1,835 0 0
DUPONT DE NEMOURS INC COM COMMON STOCK 26614N102   138,522 1,939 SH   DFND 1 1,939 0 0
ENBRIDGE INC COM NON US EQUITY 29250N105   2,003,722 53,936 SH   DFND 1 53,936 0 0
EOG RESOURCES INC COMMON STOCK 26875P101   68,664 600 SH   DFND 1 600 0 0
EQUITY COMMONWEALTH REAL ESTATE INVESTMENT TRUST 294628102   90,157 4,450 SH   DFND 1 4,450 0 0
BARRICK GOLD CORP NON US EQUITY 067901108   49,520 2,925 SH   DFND 1 2,925 0 0
INGREDION INC COMMON STOCK 457187102   86,349 815 SH   DFND 1 815 0 0
LOEWS CORP COM COMMON STOCK 540424108   138,652 2,335 SH   DFND 1 2,335 0 0
MEDTRONIC PLC NON US EQUITY G5960L103   249,764 2,835 SH   DFND 1 2,835 0 0
MERCK & CO INC COMMON STOCK 58933Y105   2,543,773 22,045 SH   DFND 1 22,045 0 0
STARBUCKS CORP COMMON STOCK 855244109   162,557 1,641 SH   DFND 1 1,641 0 0
TJX COS INC NEW COM COMMON STOCK 872540109   25,946 306 SH   DFND 1 306 0 0
THE TRAVELERS COMPANIES INC COMMON STOCK 89417E109   195,368 1,125 SH   DFND 1 1,125 0 0
UNILEVER PLC SPON ADR NEW ADR / IDR / GDR 904767704   135,538 2,600 SH   DFND 1 2,600 0 0
VERIZON COMMUNICATIONS INC COM COMMON STOCK 92343V104   1,272,679 34,221 SH   DFND 1 34,221 0 0
SPDR SER TR BLOOMBERG 1-3 MO EXCHANGE-TRADED FUND 78468R663   238,273 2,595 SH   DFND 1 2,595 0 0
GOLDMAN SACHS ETF TR ACCES TREASURY ETF EXCHANGE-TRADED FUND 381430529   247,673 2,475 SH   DFND 1 2,475 0 0
APPLE INC COM COMMON STOCK 037833100   2,335,011 12,038 SH   DFND 1 12,038 0 0
ABBVIE INC COM COMMON STOCK 00287Y109   144,700 1,074 SH   DFND 1 1,074 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100   16,898 155 SH   DFND 1 155 0 0
ACCENTURE PLC NON US EQUITY G1151C101   246,864 800 SH   DFND 1 800 0 0
ADOBE INC COM COMMON STOCK 00724F101   772,604 1,580 SH   DFND 1 1,580 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103   130,116 592 SH   DFND 1 592 0 0
AUTODESK INCORPORATED COMMON STOCK 052769106   148,342 725 SH   DFND 1 725 0 0
AFLAC INC COMMON STOCK 001055102   83,760 1,200 SH   DFND 1 1,200 0 0
GALLAGHER ARTHUR J COMMON STOCK 363576109   12,076 55 SH   DFND 1 55 0 0
AMERIPRISE FINANCIAL INC COMMON STOCK 03076C106   122,567 369 SH   DFND 1 369 0 0
AMERICAN TOWER CORP NEW COM REAL ESTATE INVESTMENT TRUST 03027X100   6,012 31 SH   DFND 1 31 0 0
AMAZON.COM INC COMMON STOCK 023135106   1,255,758 9,633 SH   DFND 1 9,633 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106   425,333 1,420 SH   DFND 1 1,420 0 0
APTIV PLC SHS NON US EQUITY G6095L109   101,988 999 SH   DFND 1 999 0 0
ASML HOLDING NV NON US EQUITY N07059210   10,871 15 SH   DFND 1 15 0 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109   73,341 870 SH   DFND 1 870 0 0
BROADCOM INC COM COMMON STOCK 11135F101   568,167 655 SH   DFND 1 655 0 0
BOEING CO COMMON STOCK 097023105   42,232 200 SH   DFND 1 200 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104   169,615 5,912 SH   DFND 1 5,912 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100   72,746 1,634 SH   DFND 1 1,634 0 0
BOOKING HLDGS INC COM COMMON STOCK 09857L108   804,698 298 SH   DFND 1 298 0 0
BRISTOL-MYERS SQUIBB CO COMMON STOCK 110122108   57,107 893 SH   DFND 1 893 0 0
BROADRIDGE FINANCIAL SOLUTIONS COMMON STOCK 11133T103   77,184 466 SH   DFND 1 466 0 0
BRITISH AMERICAN TOBACCO PLC SPON ADR ADR / IDR / GDR 110448107   68,923 2,076 SH   DFND 1 2,076 0 0
CATERPILLAR INC COM COMMON STOCK 149123101   1,899,506 7,720 SH   DFND 1 7,720 0 0
CHUBB LIMITED NON US EQUITY H1467J104   34,661 180 SH   DFND 1 180 0 0
CDW CORPORATION OF DELAWARE COMMON STOCK 12514G108   18,717 102 SH   DFND 1 102 0 0
CELANESE CORP DEL COM COMMON STOCK 150870103   67,743 585 SH   DFND 1 585 0 0
CF INDUSTRIES HLDGS COMMON STOCK 125269100   62,825 905 SH   DFND 1 905 0 0
CHURCHILL DOWNS INCORPORATED COMMON STOCK 171484108   104,378 750 SH   DFND 1 750 0 0
CHINA STL CORP SPON ADR ADR / IDR / GDR 169417102   38 2 SH   DFND 1 2 0 0
CME GROUP INC COMMON STOCK 12572Q105   11,117 60 SH   DFND 1 60 0 0
CHIPOTLE MEXICAN GRILL INC CL A COMMON STOCK 169656105   19,251 9 SH   DFND 1 9 0 0
CUMMINS INC COMMON STOCK 231021106   92,180 376 SH   DFND 1 376 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   96,461 931 SH   DFND 1 931 0 0
CENCORA INC COM COMMON STOCK 03073E105   793,196 4,122 SH   DFND 1 4,122 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   100,139 186 SH   DFND 1 186 0 0
SALESFORCE INC COM COMMON STOCK 79466L302   177,458 840 SH   DFND 1 840 0 0
CINTAS CORP COMMON STOCK 172908105   19,883 40 SH   DFND 1 40 0 0
CVS HEALTH CORP COM COMMON STOCK 126650100   202,413 2,928 SH   DFND 1 2,928 0 0
CHEVRON CORP NEW COM COMMON STOCK 166764100   391,644 2,489 SH   DFND 1 2,489 0 0
D R HORTON INC COM COMMON STOCK 23331A109   131,425 1,080 SH   DFND 1 1,080 0 0
DANAHER CORPORATION COM COMMON STOCK 235851102   99,120 413 SH   DFND 1 413 0 0
DISNEY WALT CO COM COMMON STOCK 254687106   455,328 5,100 SH   DFND 1 5,100 0 0
DICKS SPORTING GOODS INC COMMON STOCK 253393102   124,920 945 SH   DFND 1 945 0 0
DANIMER SCIENTIFIC INC COM CL A COMMON STOCK 236272100   1,190 500 SH   DFND 1 500 0 0
DARDEN RESTAURANTS INC COM COMMON STOCK 237194105   138,008 826 SH   DFND 1 826 0 0
DTE ENERGY CO COM COMMON STOCK 233331107   71,183 647 SH   DFND 1 647 0 0
ECOLAB INC COM COMMON STOCK 278865100   203,679 1,091 SH   DFND 1 1,091 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104   1,692,107 18,718 SH   DFND 1 18,718 0 0
ELEVANCE HEALTH INC COM COMMON STOCK 036752103   619,785 1,395 SH   DFND 1 1,395 0 0
EATON CORP PLC NON US EQUITY G29183103   2,347,038 11,671 SH   DFND 1 11,671 0 0
ISHARES MSCI HONG KONG ETF EXCHANGE-TRADED FUND 464286871   7,751 401 SH   DFND 1 401 0 0
EXELON CORP COM COMMON STOCK 30161N101   128,331 3,150 SH   DFND 1 3,150 0 0
FISERV INC COM COMMON STOCK 337738108   632,138 5,011 SH   DFND 1 5,011 0 0
FIDELITY NATL INFORMATION SVC COMMON STOCK 31620M106   359,434 6,571 SH   DFND 1 6,571 0 0
THE FIDELITY MSCI FINANCIALS INDEX ETF EXCHANGE-TRADED FUND 316092501   27,395 582 SH   DFND 1 582 0 0
FLOOR & DECOR HLDGS INC CL A COMMON STOCK 339750101   299,509 2,881 SH   DFND 1 2,881 0 0
SPDR GOLD TRUST ETF EXCHANGE-TRADED FUND 78463V107   561,016 3,147 SH   DFND 1 3,147 0 0
ALPHABET INC CAP STK CL C COMMON STOCK 02079K107   96,776 800 SH   DFND 1 800 0 0
ALPHABET INC CL A COMMON STOCK 02079K305   1,374,755 11,485 SH   DFND 1 11,485 0 0
GRAPHIC PACKAGING HOLDING COMPANY COMMON STOCK 388689101   102,248 4,255 SH   DFND 1 4,255 0 0
WW GRAINGER INC COMMON STOCK 384802104   78,859 100 SH   DFND 1 100 0 0
HASBRO INC COMMON STOCK 418056107   14,573 225 SH   DFND 1 225 0 0
HUNTINGTON BANCSHARES INC COMMON STOCK 446150104   12,235 1,135 SH   DFND 1 1,135 0 0
HCA HEALTHCARE INC COMMON STOCK 40412C101   27,313 90 SH   DFND 1 90 0 0
HOME DEPOT INC COMMON STOCK 437076102   370,904 1,194 SH   DFND 1 1,194 0 0
HP INC COM COMMON STOCK 40434L105   150,479 4,900 SH   DFND 1 4,900 0 0
HOST HOTELS & RESORTS INC REAL ESTATE INVESTMENT TRUST 44107P104   130,062 7,728 SH   DFND 1 7,728 0 0
ISHARES GOLD TR ISHARES NEW ETF EXCHANGE-TRADED FUND 464285204   1,142,355 31,392 SH   DFND 1 31,392 0 0
INTERNATIONAL BUSINESS MACHS COM COMMON STOCK 459200101   283,008 2,115 SH   DFND 1 2,115 0 0
INTEL CORP COMMON STOCK 458140100   218,062 6,521 SH   DFND 1 6,521 0 0
INTUIT INC COMMON STOCK 461202103   89,347 195 SH   DFND 1 195 0 0
IQVIA HLDGS INC COM COMMON STOCK 46266C105   920,433 4,095 SH   DFND 1 4,095 0 0
ISHARES TR CORE S&P500 ETF EXCHANGE-TRADED FUND 464287200   7,991,135 17,929 SH   DFND 1 17,929 0 0
ISHARES RUSSELL 2000 ETF EXCHANGE-TRADED FUND 464287655   161,801 864 SH   DFND 1 864 0 0
ISHARES RUSSELL 2000 VALUE ETF EXCHANGE-TRADED FUND 464287630   38,438 273 SH   DFND 1 273 0 0
ISHARES RUSSELL 2000 GROWTH ETF EXCHANGE-TRADED FUND 464287648   102,888 424 SH   DFND 1 424 0 0
ISHARES RUSSELL MIDCAP ETF EXCHANGE-TRADED FUND 464287499   268,823 3,681 SH   DFND 1 3,681 0 0
ISHARES RUSSELL MIDCAP VALUE ETF EXCHANGE-TRADED FUND 464287473   39,762 362 SH   DFND 1 362 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   151,782 917 SH   DFND 1 917 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100   484,752 3,333 SH   DFND 1 3,333 0 0
KEYSIGHT TECHNOLOGIES INC COMMON STOCK 49338L103   62,961 376 SH   DFND 1 376 0 0
KLA CORPORATION COM COMMON STOCK 482480100   212,439 438 SH   DFND 1 438 0 0
CARMAX INC COMMON STOCK 143130102   470,310 5,619 SH   DFND 1 5,619 0 0
COCA COLA CO COM COMMON STOCK 191216100   1,850,440 30,728 SH   DFND 1 30,728 0 0
LITTELFUSE INC COMMON STOCK 537008104   138,955 477 SH   DFND 1 477 0 0
LKQ CORP COMMON STOCK 501889208   112,053 1,923 SH   DFND 1 1,923 0 0
LILLY ELI & CO COM COMMON STOCK 532457108   408,951 872 SH   DFND 1 872 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109   18,415 40 SH   DFND 1 40 0 0
ALLIANT ENERGY CORPORATION COMMON STOCK 018802108   1,494,106 28,470 SH   DFND 1 28,470 0 0
LANTHEUS HLDGS INC COM COMMON STOCK 516544103   119,166 1,420 SH   DFND 1 1,420 0 0
LOWES COMPANIES INC COMMON STOCK 548661107   120,298 533 SH   DFND 1 533 0 0
LPL FINANCIAL HOLDINGS INC COMMON STOCK 50212V100   140,242 645 SH   DFND 1 645 0 0
LYONDELLBASELL INDUSTRIES CL A NON US EQUITY N53745100   1,513,542 16,482 SH   DFND 1 16,482 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104   1,289,631 3,279 SH   DFND 1 3,279 0 0
MARRIOT INTERNATIONAL CL A COMMON STOCK 571903202   158,892 865 SH   DFND 1 865 0 0
MASCO CORP COMMON STOCK 574599106   11,763 205 SH   DFND 1 205 0 0
MASIMO CORPORATION COMMON STOCK 574795100   173,107 1,052 SH   DFND 1 1,052 0 0
MCDONALDS CORP COMMON STOCK 580135101   2,322,823 7,784 SH   DFND 1 7,784 0 0
MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104   157,678 1,760 SH   DFND 1 1,760 0 0
MCKESSON CORP COMMON STOCK 58155Q103   105,118 246 SH   DFND 1 246 0 0
SPDR S&P MIDCAP 400 ETF TRUS EXCHANGE-TRADED FUND 78467Y107   327,574 684 SH   DFND 1 684 0 0
METLIFE INC COMMON STOCK 59156R108   131,263 2,322 SH   DFND 1 2,322 0 0
META PLATFORMS INC CL A COM COMMON STOCK 30303M102   989,507 3,448 SH   DFND 1 3,448 0 0
3M CO COM COMMON STOCK 88579Y101   1,235,411 12,343 SH   DFND 1 12,343 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   24,100 532 SH   DFND 1 532 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102   16,324 140 SH   DFND 1 140 0 0
MICROSOFT CORP COM COMMON STOCK 594918104   1,743,565 5,120 SH   DFND 1 5,120 0 0
NEXTERA ENERGY INC COM COMMON STOCK 65339F101   66,780 900 SH   DFND 1 900 0 0
NETFLIX INC COMMON STOCK 64110L106   170,029 386 SH   DFND 1 386 0 0
NIKE INC CL B COM COMMON STOCK 654106103   56,289 510 SH   DFND 1 510 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102   9,116 20 SH   DFND 1 20 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   26,758 118 SH   DFND 1 118 0 0
NVIDIA CORP COMMON STOCK 67066G104   287,654 680 SH   DFND 1 680 0 0
NOVARTIS AG SPON ADR ADR / IDR / GDR 66987V109   49,950 495 SH   DFND 1 495 0 0
OLD DOMINION FREIGHT LINE COMMON STOCK 679580100   197,816 535 SH   DFND 1 535 0 0
ISHARES S&P 100 ETF EXCHANGE-TRADED FUND 464287101   98,354 475 SH   DFND 1 475 0 0
OMEGA HEALTHCARE INVESTORS REAL ESTATE INVESTMENT TRUST 681936100   15,498 505 SH   DFND 1 505 0 0
ON SEMICONDUCTOR CORP COM COMMON STOCK 682189105   435,541 4,605 SH   DFND 1 4,605 0 0
ORACLE CORP COMMON STOCK 68389X105   9,408 79 SH   DFND 1 79 0 0
PAYCOM SOFTWARE INC COMMON STOCK 70432V102   251,531 783 SH   DFND 1 783 0 0
PAYCHEX INC COMMON STOCK 704326107   1,709,374 15,280 SH   DFND 1 15,280 0 0
PACCAR INC COMMON STOCK 693718108   20,662 247 SH   DFND 1 247 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106   88,030 1,406 SH   DFND 1 1,406 0 0
PEPSICO INC COM COMMON STOCK 713448108   102,612 554 SH   DFND 1 554 0 0
PFIZER INC COM COMMON STOCK 717081103   1,623,787 44,269 SH   DFND 1 44,269 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   330,641 2,179 SH   DFND 1 2,179 0 0
INVESCO EXCHNG TRADED FD TR II PFD ETF EXCHANGE-TRADED FUND 46138E511   448,979 39,488 SH   DFND 1 39,488 0 0
PACKAGING CORP OF AMERICA COMMON STOCK 695156109   1,447,152 10,950 SH   DFND 1 10,950 0 0
PROLOGIS INC REAL ESTATE INVESTMENT TRUST 74340W103   12,386 101 SH   DFND 1 101 0 0
PHILIP MORRIS INTL INC COM COMMON STOCK 718172109   223,843 2,293 SH   DFND 1 2,293 0 0
PNC FINANCIAL SERVICES GROUP INC COMMON STOCK 693475105   12,595 100 SH   DFND 1 100 0 0
PRIMERICA INC COMMON STOCK 74164M108   158,999 804 SH   DFND 1 804 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   1,467,981 16,640 SH   DFND 1 16,640 0 0
QUANTA SERVICES INC COMMON STOCK 74762E102   101,958 519 SH   DFND 1 519 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103   47,712 715 SH   DFND 1 715 0 0
QUALCOMM INC COM COMMON STOCK 747525103   429,139 3,605 SH   DFND 1 3,605 0 0
REGENERON PHARMACEUTICALS COMMON STOCK 75886F107   82,632 115 SH   DFND 1 115 0 0
RH COMMON STOCK 74967X103   70,862 215 SH   DFND 1 215 0 0
ROPER TECHNOLOGIES INC COM COMMON STOCK 776696106   156,741 326 SH   DFND 1 326 0 0
RTX CORPORATION COM COMMON STOCK 75513E101   164,573 1,680 SH   DFND 1 1,680 0 0
SCHWAB CHARLES CORP COM COMMON STOCK 808513105   611,577 10,790 SH   DFND 1 10,790 0 0
SHELL PLC SPON ADS ADR ADR / IDR / GDR 780259305   179,691 2,976 SH   DFND 1 2,976 0 0
SHERWIN WILLIAMS CO COMMON STOCK 824348106   279,062 1,051 SH   DFND 1 1,051 0 0
SOUTHERN CO COM COMMON STOCK 842587107   1,665,628 23,710 SH   DFND 1 23,710 0 0
S&P GLOBAL INC COM COMMON STOCK 78409V104   199,242 497 SH   DFND 1 497 0 0
S&P 500 DR (SPDRS) EXCHANGE-TRADED FUND 78462F103   411,807 929 SH   DFND 1 929 0 0
SPDR SERIES TRUST PRTFLO S&P500 GW ETF EXCHANGE-TRADED FUND 78464A409   365,572 5,992 SH   DFND 1 5,992 0 0
SEMPRA COM COMMON STOCK 816851109   16,015 110 SH   DFND 1 110 0 0
STATE STREET CORP COMMON STOCK 857477103   17,929 245 SH   DFND 1 245 0 0
CONSTELLATION BRANDS INC CL A COMMON STOCK 21036P108   134,879 548 SH   DFND 1 548 0 0
STRYKER CORPORATION COM COMMON STOCK 863667101   183,359 601 SH   DFND 1 601 0 0
AT&T INC. COMMON STOCK 00206R102   141,859 8,894 SH   DFND 1 8,894 0 0
TRUIST FINL CORP COM COMMON STOCK 89832Q109   109,564 3,610 SH   DFND 1 3,610 0 0
TARGET CORP COMMON STOCK 87612E106   254,699 1,931 SH   DFND 1 1,931 0 0
THERMO FISHER SCIENTIFIC INC COM COMMON STOCK 883556102   82,437 158 SH   DFND 1 158 0 0
TRANSUNION COMMON STOCK 89400J107   6,266 80 SH   DFND 1 80 0 0
TRACTOR SUPPLY CO COMMON STOCK 892356106   39,798 180 SH   DFND 1 180 0 0
TAIWAN SEMICONDUCTOR SPONS ADR ADR / IDR / GDR 874039100   601,080 5,956 SH   DFND 1 5,956 0 0
TYSON FOODS INC CL A COMMON STOCK 902494103   90,392 1,771 SH   DFND 1 1,771 0 0
THE TRADE DESK INC-CLASS A COMMON STOCK 88339J105   368,339 4,770 SH   DFND 1 4,770 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   97,931 544 SH   DFND 1 544 0 0
TEXAS ROADHOUSE INC CL A COMMON STOCK 882681109   64,000 570 SH   DFND 1 570 0 0
UGI CORP NEW (HOLDING CO) COMMON STOCK 902681105   12,541 465 SH   DFND 1 465 0 0
ULTA BEAUTY INC COMMON STOCK 90384S303   93,178 198 SH   DFND 1 198 0 0
UNITEDHEALTH GROUP INC COM COMMON STOCK 91324P102   649,345 1,351 SH   DFND 1 1,351 0 0
UNION PACIFIC CORP COM COMMON STOCK 907818108   91,056 445 SH   DFND 1 445 0 0
UNITED PARCEL SERVICE INC CL B COMMON STOCK 911312106   1,864,200 10,400 SH   DFND 1 10,400 0 0
UNITED RENTALS INC COMMON STOCK 911363109   97,981 220 SH   DFND 1 220 0 0
U S BANCORP NEW COMMON STOCK 902973304   1,191,522 36,063 SH   DFND 1 36,063 0 0
VISA INC COM CL A COMMON STOCK 92826C839   679,905 2,863 SH   DFND 1 2,863 0 0
VEEVA SYSTEMS INC CLASS A COMMON STOCK 922475108   235,299 1,190 SH   DFND 1 1,190 0 0
VANGUARD INFORMATION TECHNOLOGY INDEX EXCHANGE-TRADED FUND 92204A702   53,501 121 SH   DFND 1 121 0 0
VANGUARD HEALTH CARE EXCHANGE-TRADED FUND 92204A504   16,158 66 SH   DFND 1 66 0 0
VANGUARD DIVIDEND APPRECIATION ETF EXCHANGE-TRADED FUND 921908844   16,730 103 SH   DFND 1 103 0 0
VALERO ENERGY CORP NEW COMMON STOCK 91913Y100   69,442 592 SH   DFND 1 592 0 0
VERISIGN INC COMMON STOCK 92343E102   21,015 93 SH   DFND 1 93 0 0
VANGUARD TOTAL STOCK MARKET ETF EXCHANGE-TRADED FUND 922908769   362,581 1,646 SH   DFND 1 1,646 0 0
VIATRIS INC COM COMMON STOCK 92556V106   1,447 145 SH   DFND 1 145 0 0
VANGUARD GROWTH ETF EXCHANGE-TRADED FUND 922908736   255,796 904 SH   DFND 1 904 0 0
VANGUARD INTL EQUITY INDEX FDS FTSE ETF EXCHANGE-TRADED FUND 922042858   19,933 490 SH   DFND 1 490 0 0
VANGUARD TOTAL INTL STOCK ET EXCHANGE-TRADED FUND 921909768   413,029 7,365 SH   DFND 1 7,365 0 0
VANGUARD HIGH DIVIDEND YIELD ETF EXCHANGE-TRADED FUND 921946406   395,005 3,724 SH   DFND 1 3,724 0 0
WABTEC CORP COMMON STOCK 929740108   95,413 870 SH   DFND 1 870 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108   97,892 3,436 SH   DFND 1 3,436 0 0
WORKDAY INC COM CL A COMMON STOCK 98138H101   22,589 100 SH   DFND 1 100 0 0
WHIRLPOOL CORP COM COMMON STOCK 963320106   15,623 105 SH   DFND 1 105 0 0
WASTE MGMT INC DEL COM COMMON STOCK 94106L109   2,000,573 11,536 SH   DFND 1 11,536 0 0
WESTBURY METALS GRP COM COMMON STOCK 957289101   0 1,000 SH   DFND 1 1,000 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   120,656 1,125 SH   DFND 1 1,125 0 0
YUM BRANDS INC COMMON STOCK 988498101   29,511 213 SH   DFND 1 213 0 0
ZEBRA TECH CORP CL A COMMON STOCK 989207105   72,478 245 SH   DFND 1 245 0 0
ZOETIS INC CL A COM COMMON STOCK 98978V103   284,147 1,650 SH   DFND 1 1,650 0 0
CHINA MED TECH INC ADR COMMON STOCK 169483104   256 100 SH   DFND 1 100 0 0
VANGUARD INTERMEDIATE TERM BD ETF EXCHANGE-TRADED FUND 921937819   219,521 2,918 SH   DFND 1 2,918 0 0
INVESCO ETF TR II S&P GBL WATER EXCHANGE-TRADED FUND 46138E263   75,830 1,475 SH   DFND 1 1,475 0 0
SPDR SER TR BLOOMBERG CONV EXCHANGE-TRADED FUND 78464A359   167,740 2,398 SH   DFND 1 2,398 0 0
SPDR SER TR BLOOMBERG INVT EXCHANGE-TRADED FUND 78468R200   96,796 3,154 SH   DFND 1 3,154 0 0
ISHARES TR IBONDS 23 TRM TS ETF EXCHANGE-TRADED FUND 46436E882   1,091,640 44,000 SH   DFND 1 44,000 0 0
ISHARES TR NATIONAL MUN ETF EXCHANGE-TRADED FUND 464288414   175,037 1,640 SH   DFND 1 1,640 0 0
SPDR SER TR NUVEEN BLMBRG SH EXCHANGE-TRADED FUND 78468R739   62,341 1,325 SH   DFND 1 1,325 0 0
ISHARES 1-3 YEAR TREASURY BOND ETF EXCHANGE-TRADED FUND 464287457   510,399 6,295 SH   DFND 1 6,295 0 0
SPDR SERIES TRUST PORTFOLIO SHORT ETF EXCHANGE-TRADED FUND 78464A474   554,915 18,849 SH   DFND 1 18,849 0 0
ISHARES 0 5 YEAR TIPS BOND ETF EXCHANGE-TRADED FUND 46429B747   15,909 163 SH   DFND 1 163 0 0
SPDR DOUBLELINE TR TACT ETF EXCHANGE-TRADED FUND 78467V848   597,626 14,738 SH   DFND 1 14,738 0 0