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
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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
MICROSOFT CORP COM 594918104   5,681,029 13,503 SH   DFND 1,3,4,5 0 9,276 4,227
APPLE INC COM 037833100   4,293,599 25,038 SH   DFND 1,3,4 0 15,534 9,504
NVIDIA CORPORATION COM 67066G104   3,977,489 4,402 SH   DFND 1,3,4 0 2,802 1,600
AMAZON COM INC COM 023135106   3,646,021 20,213 SH   DFND 1,3,4 0 8,753 11,460
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   2,683,238 29,847 SH   SOLE   0 0 29,847
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,679,618 5,574 SH   SOLE   0 0 5,574
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,475,528 9,525 SH   SOLE   0 0 9,525
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   2,389,548 14,108 SH   SOLE   0 0 14,108
ALPHABET INC CAP STK CL A 02079K305   2,298,211 15,227 SH   DFND 1,3,4 0 9,202 6,025
ISHARES TR SHORT TREAS BD 464288679   1,608,136 14,548 SH   SOLE   0 0 14,548
JPMORGAN CHASE & CO COM 46625H100   1,438,290 7,181 SH   DFND 1,3,4,5 0 2,485 4,696
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,361,880 27,145 SH   SOLE   0 0 27,145
UNITEDHEALTH GROUP INC COM 91324P102   1,317,387 2,663 SH   DFND 1,3,4,5 0 2,207 456
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   1,248,098 21,571 SH   SOLE   0 0 21,571
ALPHABET INC CAP STK CL C 02079K107   1,228,586 8,069 SH   DFND 1,3,4 0 4,786 3,283
META PLATFORMS INC CL A 30303M102   1,200,354 2,472 SH   DFND 1,3,4 0 2,124 348
ASML HOLDING N V N Y REGISTRY SHS N07059210   1,137,391 1,172 SH   DFND 1,4 0 412 760
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,106,815 6,061 SH   SOLE   0 0 6,061
VISA INC COM CL A 92826C839   1,081,714 3,876 SH   DFND 1,3,4 0 2,324 1,552
HOME DEPOT INC COM 437076102   1,067,942 2,784 SH   DFND 1,3,4,5 0 1,327 1,457
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   910,956 6,669 SH   DFND 1,4 0 5,622 1,047
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203   906,784 16,718 SH   SOLE   0 0 16,718
BROADCOM INC COM 11135F101   894,652 675 SH   DFND 1,3,4,5 0 520 155
LAM RESEARCH CORP COM 512807108   891,159 915 SH   DFND 1 0 79 836
NOVO-NORDISK A S ADR 670100205   873,878 6,757 SH   DFND 1,4 0 1,997 4,760
EXXON MOBIL CORP COM 30231G102   808,673 6,957 SH   DFND 1,3 0 665 6,292
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   801,091 1,905 SH   DFND 1,3 0 435 1,470
WALMART INC COM 931142103   766,293 12,692 SH   DFND 1,3 0 7,506 5,186
UNION PAC CORP COM 907818108   743,200 3,022 SH   DFND 1,3,4,5 0 2,855 167
PARKER-HANNIFIN CORP COM 701094104   699,740 1,259 SH   DFND 1,3 0 124 1,135
ISHARES TR RUS 1000 VAL ETF 464287598   680,976 3,802 SH   SOLE   0 0 3,802
MCDONALDS CORP COM 580135101   678,090 2,405 SH   DFND 1,3,4,5 0 1,387 1,018
MASTERCARD INCORPORATED CL A 57636Q104   627,004 1,302 SH   DFND 1,3,4 0 1,025 277
TJX COS INC NEW COM 872540109   614,301 6,057 SH   DFND 1,3,4 0 5,646 411
DISNEY WALT CO COM 254687106   606,433 4,956 SH   DFND 1,3 0 2,754 2,202
MERCK & CO INC COM 58933Y105   602,414 4,539 SH   DFND 1,3,4,5 0 1,415 3,124
ORACLE CORP COM 68389X105   601,044 4,785 SH   DFND 1,3,4,5 0 4,425 360
VALERO ENERGY CORP COM 91913Y100   583,879 3,421 SH   DFND 1,3 0 421 3,000
MCKESSON CORP COM 58155Q103   581,005 1,081 SH   DFND 1,3 0 1,067 14
CAMECO CORP COM 13321L108   572,589 13,218 SH   DFND 1 0 1,491 11,727
ABBVIE INC COM 00287Y109   571,612 3,139 SH   DFND 1,2,3,4,5 0 1,942 1,197
TESLA INC COM 88160R101   557,254 3,170 SH   DFND 1,3,4 0 2,776 394
ISHARES TR CORE S&P SCP ETF 464287804   551,826 4,993 SH   SOLE   0 0 4,993
JOHNSON & JOHNSON COM 478160104   551,485 3,486 SH   DFND 1,3,4 0 1,437 2,049
ADOBE INC COM 00724F101   544,463 1,079 SH   DFND 1,3,4 0 592 487
CHEVRON CORP NEW COM 166764100   540,259 3,425 SH   DFND 1,2,3,4,5 0 1,952 1,473
TOTALENERGIES SE SPONSORED ADS 89151E109   536,906 7,706 SH   DFND 1,2,4 0 7,390 316
VERIZON COMMUNICATIONS INC COM 92343V104   535,199 12,755 SH   DFND 1,2,3,4 0 11,864 891
AUTOMATIC DATA PROCESSING IN COM 053015103   533,673 2,125 SH   DFND 1,3 0 2,050 75
SALESFORCE INC COM 79466L302   524,447 1,739 SH   DFND 1,3,4 0 1,020 719
ELI LILLY & CO COM 532457108   515,787 663 SH   DFND 1,3,4 0 503 160
COSTCO WHSL CORP NEW COM 22160K105   504,782 689 SH   DFND 1,3,4 0 353 336
ISHARES TR RUS 1000 GRW ETF 464287614   504,227 1,496 SH   SOLE   0 0 1,496
PHILIP MORRIS INTL INC COM 718172109   494,380 5,320 SH   DFND 1,2,3,4 0 4,355 965
ISHARES TR S&P MC 400GR ETF 464287606   492,750 5,400 SH   SOLE   0 0 5,400
ABBOTT LABS COM 002824100   484,109 4,259 SH   DFND 1,3,4,5 0 1,980 2,279
PAYCHEX INC COM 704326107   460,746 3,752 SH   DFND 1,2,3,4 0 3,662 90
GRAINGER W W INC COM 384802104   449,647 442 SH   DFND 1,3,4 0 442 0
APA CORPORATION COM 03743Q108   444,714 12,935 SH   DFND 1 0 134 12,801
CSX CORP COM 126408103   429,938 11,598 SH   DFND 1,4 0 11,598 0
PROCTER AND GAMBLE CO COM 742718109   423,310 2,609 SH   DFND 1,3,4,5 0 1,335 1,274
BANK AMERICA CORP COM 060505104   419,774 11,070 SH   DFND 1,3 0 7,143 3,927
CROWDSTRIKE HLDGS INC CL A 22788C105   419,011 1,307 SH   DFND 1,4 0 547 760
COMCAST CORP NEW CL A 20030N101   416,421 9,606 SH   DFND 1,3,4 0 8,962 644
PNC FINL SVCS GROUP INC COM 693475105   414,827 2,567 SH   DFND 1,2,3,4,5 0 2,502 65
SAP SE SPON ADR 803054204   399,811 2,050 SH   DFND 1,4 0 2,047 3
ISHARES TR GLOBAL ENERG ETF 464287341   398,104 9,269 SH   SOLE   0 0 9,269
DUKE ENERGY CORP NEW COM NEW 26441C204   397,381 4,109 SH   DFND 1,2,3,4 0 3,632 477
NORFOLK SOUTHN CORP COM 655844108   396,578 1,556 SH   DFND 1 0 1,458 98
NATIONAL GRID PLC SPONSORED ADR NE 636274409   393,015 5,761 SH   DFND 1,2,4 0 5,385 376
J P MORGAN EXCHANGE TRADED F BETABUILDERS CDA 46641Q225   392,911 5,881 SH   SOLE   0 0 5,881
UNITED PARCEL SERVICE INC CL B 911312106   376,118 2,531 SH   DFND 1,2,3,4 0 1,284 1,247
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   375,359 3,698 SH   SOLE   0 0 3,698
WILLIAMS COS INC COM 969457100   371,345 9,529 SH   DFND 1,2,3,4,5 0 8,765 764
HALLIBURTON CO COM 406216101   371,338 9,420 SH   DFND 1 0 650 8,770
APPLIED MATLS INC COM 038222105   368,121 1,785 SH   DFND 1,3,4 0 1,028 757
NETFLIX INC COM 64110L106   368,042 606 SH   DFND 1,3,4 0 586 20
GILEAD SCIENCES INC COM 375558103   366,251 5,000 SH   DFND 1,2,3,4 0 3,804 1,196
COCA COLA CO COM 191216100   357,863 5,803 SH   DFND 1,2,3,4 0 4,677 1,126
AT&T INC COM 00206R102   357,544 20,315 SH   DFND 1,2,3,4 0 18,101 2,214
SOUTHERN CO COM 842587107   349,446 4,871 SH   DFND 1,2,4 0 4,267 604
CVS HEALTH CORP COM 126650100   343,686 4,309 SH   DFND 1,3,4 0 3,913 396
AMGEN INC COM 031162100   343,459 1,208 SH   DFND 1,2,3,4 0 888 320
INVESCO EXCHANGE TRADED FD T S&P MDCP MOMNTUM 46137V464   333,324 2,902 SH   SOLE   0 0 2,902
THERMO FISHER SCIENTIFIC INC COM 883556102   332,094 571 SH   DFND 1,3,4 0 256 315
ISHARES TR CORE S&P TTL STK 464287150   331,477 2,875 SH   SOLE   0 0 2,875
NEXTERA ENERGY INC COM 65339F101   326,453 5,108 SH   DFND 1,3,4,5 0 4,652 456
MICRON TECHNOLOGY INC COM 595112103   318,377 2,698 SH   DFND 1,3,4 0 1,963 735
TOYOTA MOTOR CORP ADS 892331307   313,090 1,244 SH   DFND 1 0 1,018 226
HCA HEALTHCARE INC COM 40412C101   307,945 923 SH   DFND 1 0 178 745
ENBRIDGE INC COM 29250N105   300,769 8,314 SH   DFND 2,4 0 7,529 785
NIKE INC CL B 654106103   299,987 3,179 SH   DFND 1,3,4 0 1,976 1,203
PFIZER INC COM 717081103   297,924 10,736 SH   DFND 1,2,3,4 0 8,235 2,501
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100   293,953 2,874 SH   DFND 1,2,4 0 2,770 104
DOMINION ENERGY INC COM 25746U109   293,370 5,964 SH   DFND 1,2,4 0 5,572 392
US BANCORP DEL COM NEW 902973304   291,973 6,461 SH   DFND 1,2,3,4 0 6,132 329
ADVANCED MICRO DEVICES INC COM 007903107   289,506 1,604 SH   DFND 1 0 1,604 0
HONEYWELL INTL INC COM 438516106   282,424 1,376 SH   DFND 1,3,4,5 0 1,069 307
CISCO SYS INC COM 17275R102   279,946 5,609 SH   DFND 1,3 0 1,927 3,682
AON PLC SHS CL A G0403H108   279,755 838 SH   DFND 1,4 0 250 588
ONEOK INC NEW COM 682680103   279,553 3,487 SH   DFND 1,3 0 3,487 0
AMERICAN ELEC PWR CO INC COM 025537101   263,466 3,060 SH   DFND 1,2,4 0 2,827 233
VANGUARD INDEX FDS SMALL CP ETF 922908751   261,148 1,142 SH   SOLE   0 0 1,142
DEERE & CO COM 244199105   260,517 632 SH   DFND 1,3 0 165 467
TC ENERGY CORP COM 87807B107   257,573 6,292 SH   DFND 1,2,4 0 5,956 336
KIMBERLY-CLARK CORP COM 494368103   256,068 1,961 SH   DFND 1,2,4 0 1,696 265
CATERPILLAR INC COM 149123101   255,035 696 SH   DFND 1,3,4 0 439 257
ISHARES TR CORE MSCI EAFE 46432F842   253,179 3,411 SH   SOLE   0 0 3,411
ISHARES INC CORE MSCI EMKT 46434G103   250,910 4,863 SH   SOLE   0 0 4,863
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   244,013 704 SH   DFND 1,3,4,5 0 573 131
LABORATORY CORP AMER HLDGS COM NEW 50540R409   242,167 1,109 SH   DFND 1 0 27 1,082
BCE INC COM NEW 05534B760   242,029 6,963 SH   DFND 1,2,4 0 6,341 622
SERVICENOW INC COM 81762P102   236,344 310 SH   DFND 1,3,4 0 310 0
RTX CORPORATION COM 75513E101   235,925 2,419 SH   DFND 1,3,4 0 1,843 576
HUNTINGTON BANCSHARES INC COM 446150104   232,247 16,464 SH   DFND 1,2,3,4 0 15,015 1,449
MARATHON PETE CORP COM 56585A102   230,919 1,146 SH   DFND 1 0 132 1,014
ISHARES TR RUS 2000 GRW ETF 464287648   230,180 850 SH   SOLE   0 0 850
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   227,919 3,673 SH   SOLE   0 0 3,673
TRUIST FINL CORP COM 89832Q109   225,889 5,795 SH   DFND 1,2,3,4 0 5,498 297
BRISTOL-MYERS SQUIBB CO COM 110122108   225,488 4,158 SH   DFND 1,2,4 0 3,156 1,002
ASTRAZENECA PLC SPONSORED ADR 046353108   221,678 3,272 SH   DFND 1,4,5 0 1,900 1,372
NUSHARES ETF TR NUVEEN ESG INTL 67092P805   220,659 7,102 SH   SOLE   0 0 7,102
ISHARES TR MSCI EMG MKT ETF 464287234   219,860 5,352 SH   SOLE   0 0 5,352
PEPSICO INC COM 713448108   218,934 1,242 SH   DFND 1,3,4,5 0 740 502
INTEL CORP COM 458140100   216,477 4,901 SH   DFND 1,3,4 0 3,205 1,696
THE CIGNA GROUP COM 125523100   215,013 592 SH   DFND 1 0 544 48
CANADIAN PACIFIC KANSAS CITY COM 13646K108   212,593 2,406 SH   DFND 1,3,4 0 1,261 1,145
ISHARES TR NATIONAL MUN ETF 464288414   203,041 1,887 SH   SOLE   0 0 1,887
UBER TECHNOLOGIES INC COM 90353T100   200,636 2,606 SH   DFND 1,4 0 2,606 0
AMCOR PLC ORD G0250X107   139,826 14,703 SH   DFND 2,4 0 12,413 2,290
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104   124,847 12,204 SH   DFND 1 0 12,204 0
ITAU UNIBANCO HLDG S A SPON ADR REP PFD 465562106   71,465 10,303 SH   DFND 1,4 0 10,182 121
BANCO SANTANDER S.A. ADR 05964H105   50,273 10,387 SH   DFND 1 0 10,387 0
ATEA PHARMACEUTICALS INC COM 04683R106   48,250 11,943 SH   SOLE   0 0 11,943
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109   47,489 11,932 SH   DFND 1 0 11,932 0
TMC THE METALS COMPANY INC COM 87261Y106   38,753 27,100 SH   SOLE   0 0 27,100
AMBEV SA SPONSORED ADR 02319V103   26,757 10,789 SH   DFND 1 0 10,789 0