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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101 88 800 SH   DFND 1 800 0 0
3M CO COM 88579Y101 13,615 123,212 SH   SOLE 0 123,212 0 0
ABBOTT LABS COM 002824100 2,346 24,246 SH   DFND 1 24,246 0 0
ABBOTT LABS COM 002824100 97 1,000 SH   OTR 3 1,000 0 0
ABBOTT LABS COM 002824100 10,368 107,153 SH   SOLE 0 93,447 0 13,706
ABBVIE INC COM 00287Y109 2,014 15,005 SH   SOLE 0 15,005 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 540 1,964 SH   SOLE 0 1,964 0 0
ADVANCED MICRO DEVICES INC COM 007903107 914 14,428 SH   SOLE 0 0 0 14,428
AES CORP COM 00130H105 234 10,335 SH   SOLE 0 10,335 0 0
AIR LEASE CORP CL A 00912X302 266 8,564 SH   SOLE 0 0 0 8,564
ALLSTATE CORP COM 020002101 2,779 22,315 SH   SOLE 0 22,315 0 0
ALPHABET INC CAP STK CL C 02079K107 8,096 84,200 SH   DFND 1 84,200 0 0
ALPHABET INC CAP STK CL C 02079K107 115 1,200 SH   OTR 3 1,200 0 0
ALPHABET INC CAP STK CL C 02079K107 14,664 152,513 SH   SOLE 0 138,813 0 13,700
ALPHABET INC CAP STK CL A 02079K305 14,316 149,671 SH   DFND 1 149,671 0 0
ALPHABET INC CAP STK CL A 02079K305 115 1,200 SH   OTR 3 1,200 0 0
ALPHABET INC CAP STK CL A 02079K305 32,915 344,119 SH   SOLE 0 316,799 0 27,320
ALTRIA GROUP INC COM 02209S103 826 20,456 SH   SOLE 0 20,456 0 0
AMAZON COM INC COM 023135106 14,438 127,773 SH   DFND 1 127,773 0 0
AMAZON COM INC COM 023135106 31,913 282,414 SH   SOLE 0 254,199 0 28,215
AMERICAN EXPRESS CO COM 025816109 12,964 96,091 SH   DFND 1 96,091 0 0
AMERICAN EXPRESS CO COM 025816109 3,622 26,844 SH   SOLE 0 26,844 0 0
AMERICAN TOWER CORP NEW COM 03027X100 10,545 49,114 SH   DFND 1 49,114 0 0
AMERICAN TOWER CORP NEW COM 03027X100 215 1,000 SH   OTR 3 1,000 0 0
AMERICAN TOWER CORP NEW COM 03027X100 22,601 105,266 SH   SOLE 0 94,826 0 10,440
AMERIPRISE FINL INC COM 03076C106 7,527 29,875 SH   DFND 1 29,875 0 0
AMGEN INC COM 031162100 248 1,102 SH   SOLE 0 1,102 0 0
AMPHENOL CORP NEW CL A 032095101 591 8,828 SH   SOLE 0 8,828 0 0
APPLE INC COM 037833100 16,065 116,243 SH   DFND 1 116,243 0 0
APPLE INC COM 037833100 14 100 SH   OTR 3 100 0 0
APPLE INC COM 037833100 41,360 299,278 SH   SOLE 0 282,056 0 17,222
ARK ETF TR INNOVATION ETF 00214Q104 1,570 41,618 SH   DFND 1 41,618 0 0
ARK ETF TR INNOVATION ETF 00214Q104 7,840 207,797 SH   SOLE 0 202,797 0 5,000
AT&T INC COM 00206R102 193 12,589 SH   SOLE 0 12,589 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 1,097 4,852 SH   SOLE 0 4,852 0 0
BANK NEW YORK MELLON CORP COM 064058100 1,381 35,839 SH   SOLE 0 35,839 0 0
BAXTER INTL INC COM 071813109 556 10,325 SH   SOLE 0 10,325 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 22,762 85,246 SH   DFND 1 85,246 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 374 1,400 SH   OTR 3 1,400 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 39,751 148,868 SH   SOLE 0 139,751 0 9,117
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,626 4 SH   DFND 1 4 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 2,439 6 SH   SOLE 0 6 0 0
BIOGEN INC COM 09062X103 419 1,570 SH   SOLE 0 1,570 0 0
BK OF AMERICA CORP COM 060505104 2,120 70,214 SH   DFND 1 70,214 0 0
BK OF AMERICA CORP COM 060505104 1,212 40,124 SH   SOLE 0 40,124 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 219 3,080 SH   DFND 1 3,080 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 2,605 36,649 SH   SOLE 0 36,649 0 0
BROADCOM INC COM 11135F101 14,786 33,301 SH   DFND 1 33,301 0 0
BROADCOM INC COM 11135F101 56 125 SH   OTR 3 125 0 0
BROADCOM INC COM 11135F101 24,905 56,090 SH   SOLE 0 49,999 0 6,091
BROOKFIELD ASSET MGMT INC CL A LTD VT SH 112585104 3,357 82,102 SH   DFND 1 82,102 0 0
BROOKFIELD ASSET MGMT INC CL A LTD VT SH 112585104 15,026 367,462 SH   SOLE 0 324,601 0 42,861
BROOKFIELD RENEWABLE CORP CL A SUB VTG 11284V105 5,624 172,084 SH   DFND 1 172,084 0 0
BROOKFIELD RENEWABLE CORP CL A SUB VTG 11284V105 11,248 344,180 SH   SOLE 0 287,400 0 56,780
CABOT CORP COM 127055101 275 4,300 SH   SOLE 0 4,300 0 0
CANADIAN PAC RY LTD COM 13645T100 1,564 23,437 SH   SOLE 0 23,437 0 0
CHEVRON CORP NEW COM 166764100 713 4,961 SH   SOLE 0 4,961 0 0
CHUBB LIMITED COM H1467J104 4,782 26,294 SH   DFND 1 26,294 0 0
CHUBB LIMITED COM H1467J104 15,687 86,250 SH   SOLE 0 78,818 0 7,432
CISCO SYS INC COM 17275R102 882 22,039 SH   SOLE 0 5,787 0 16,252
CITIZENS FINL GROUP INC COM 174610105 233 6,774 SH   SOLE 0 6,774 0 0
COCA COLA CO COM 191216100 1,570 28,018 SH   SOLE 0 28,018 0 0
COINBASE GLOBAL INC COM CL A 19260Q107 1,880 29,148 SH   DFND 1 29,148 0 0
COINBASE GLOBAL INC COM CL A 19260Q107 4,950 76,750 SH   SOLE 0 69,850 0 6,900
COLGATE PALMOLIVE CO COM 194162103 7,735 110,106 SH   DFND 1 110,106 0 0
COLGATE PALMOLIVE CO COM 194162103 21 300 SH   OTR 3 300 0 0
COLGATE PALMOLIVE CO COM 194162103 18,694 266,108 SH   SOLE 0 266,108 0 0
COMCAST CORP NEW CL A 20030N101 15,318 522,261 SH   DFND 1 522,261 0 0
COMCAST CORP NEW CL A 20030N101 13,761 469,166 SH   SOLE 0 421,066 0 48,100
CONSTELLATION BRANDS INC CL A 21036P108 9,054 39,420 SH   DFND 1 39,420 0 0
CONSTELLATION BRANDS INC CL A 21036P108 17,862 77,767 SH   SOLE 0 69,122 0 8,645
CORNING INC COM 219350105 464 16,004 SH   SOLE 0 16,004 0 0
COSTCO WHSL CORP NEW COM 22160K105 8,117 17,187 SH   DFND 1 17,187 0 0
COSTCO WHSL CORP NEW COM 22160K105 22,025 46,637 SH   SOLE 0 41,887 0 4,750
CVS HEALTH CORP COM 126650100 7,975 83,623 SH   DFND 1 83,623 0 0
CVS HEALTH CORP COM 126650100 19,908 208,750 SH   SOLE 0 188,993 0 19,757
DANAHER CORPORATION COM 235851102 3,575 13,841 SH   DFND 1 13,841 0 0
DANAHER CORPORATION COM 235851102 10,709 41,463 SH   SOLE 0 37,467 0 3,996
DIGITAL RLTY TR INC COM 253868103 1,326 13,372 SH   SOLE 0 72 0 13,300
DISNEY WALT CO COM 254687106 40,362 427,881 SH   DFND 1 427,881 0 0
DISNEY WALT CO COM 254687106 57 600 SH   OTR 3 600 0 0
DISNEY WALT CO COM 254687106 23,183 245,768 SH   SOLE 0 229,568 0 16,200
DOMINION ENERGY INC COM 25746U109 735 10,640 SH   SOLE 0 10,640 0 0
DUPONT DE NEMOURS INC COM 26614N102 2,857 56,677 SH   DFND 1 56,677 0 0
DUPONT DE NEMOURS INC COM 26614N102 9,805 194,545 SH   SOLE 0 177,745 0 16,800
EATON CORP PLC SHS G29183103 3,119 23,390 SH   DFND 1 23,390 0 0
EATON CORP PLC SHS G29183103 11,656 87,401 SH   SOLE 0 72,306 0 15,095
EMERSON ELEC CO COM 291011104 243 3,320 SH   SOLE 0 3,320 0 0
ESSEX PPTY TR INC COM 297178105 773 3,191 SH   SOLE 0 3,191 0 0
EVEREST RE GROUP LTD COM G3223R108 223 850 SH   SOLE 0 850 0 0
EXXON MOBIL CORP COM 30231G102 329 3,772 SH   DFND 1 3,772 0 0
EXXON MOBIL CORP COM 30231G102 1,480 16,947 SH   SOLE 0 16,947 0 0
F N B CORP COM 302520101 168 14,452 SH   SOLE 0 14,452 0 0
FASTENAL CO COM 311900104 203 4,400 SH   SOLE 0 4,400 0 0
FEDEX CORP COM 31428X106 1,531 10,311 SH   SOLE 0 7,511 0 2,800
FIDELITY NATIONAL FINANCIAL FNF GROUP COM 31620R303 422 11,661 SH   SOLE 0 11,661 0 0
FIDELITY NATL INFORMATION SV COM 31620M106 2,357 31,186 SH   DFND 1 31,186 0 0
FIDELITY NATL INFORMATION SV COM 31620M106 9,420 124,659 SH   SOLE 0 107,951 0 16,708
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309 220 5,000 SH   SOLE 0 5,000 0 0
FORTIVE CORP COM 34959J108 6,838 117,293 SH   DFND 1 117,293 0 0
FORTIVE CORP COM 34959J108 10,349 177,515 SH   SOLE 0 168,390 0 9,125
GENERAL DYNAMICS CORP COM 369550108 430 2,025 SH   SOLE 0 2,025 0 0
GILEAD SCIENCES INC COM 375558103 731 11,854 SH   SOLE 0 11,854 0 0
GLOBE LIFE INC COM 37959E102 3,547 35,578 SH   DFND 1 35,578 0 0
GLOBE LIFE INC COM 37959E102 3 28 SH   SOLE 0 28 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 9,067 30,940 SH   DFND 1 30,940 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 18,418 62,850 SH   SOLE 0 57,395 0 5,455
GSK PLC SPONSORED ADR 37733W204 202 6,858 SH   SOLE 0 6,858 0 0
HF SINCLAIR CORP COM 403949100 323 6,000 SH   SOLE 0 6,000 0 0
HOME DEPOT INC COM 437076102 4,051 14,680 SH   DFND 1 14,680 0 0
HOME DEPOT INC COM 437076102 16,172 58,607 SH   SOLE 0 49,277 0 9,330
HONEYWELL INTL INC COM 438516106 9,612 57,568 SH   DFND 1 57,568 0 0
HONEYWELL INTL INC COM 438516106 150 900 SH   OTR 3 900 0 0
HONEYWELL INTL INC COM 438516106 20,761 124,337 SH   SOLE 0 115,037 0 9,300
ILLINOIS TOOL WKS INC COM 452308109 7,223 39,986 SH   DFND 1 39,986 0 0
ILLINOIS TOOL WKS INC COM 452308109 4,531 25,081 SH   SOLE 0 25,081 0 0
INTEL CORP COM 458140100 15 563 SH   DFND 1 563 0 0
INTEL CORP COM 458140100 422 16,389 SH   SOLE 0 16,389 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 1,332 14,747 SH   SOLE 0 4,858 0 9,889
INTERNATIONAL BUSINESS MACHS COM 459200101 1,524 12,824 SH   SOLE 0 12,824 0 0
INTERNATIONAL PAPER CO COM 460146103 443 13,965 SH   DFND 1 13,965 0 0
INTERNATIONAL PAPER CO COM 460146103 17 531 SH   SOLE 0 531 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 5,963 31,813 SH   DFND 1 31,813 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 11,866 63,303 SH   SOLE 0 57,058 0 6,245
INVESCO CURRENCYSHARES EURO EURO SHS 46138K103 307 3,400 SH   SOLE 0 3,400 0 0
INVESCO EXCHANGE TRADED FD T FINL PFD ETF 46137V621 396 26,300 SH   SOLE 0 26,300 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 2,539 9,501 SH   DFND 1 9,501 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 13,261 49,619 SH   SOLE 0 49,619 0 0
IQVIA HLDGS INC COM 46266C105 239 1,321 SH   SOLE 0 1,321 0 0
ISHARES TR CORE S&P TTL STK 464287150 416 5,229 SH   SOLE 0 5,229 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 281 1,360 SH   SOLE 0 1,360 0 0
ISHARES TR CORE S&P500 ETF 464287200 363 1,012 SH   SOLE 0 1,012 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 279 1,327 SH   SOLE 0 1,327 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 253 1,533 SH   SOLE 0 1,533 0 0
ISHARES TR MSCI EAFE ETF 464287465 420 7,505 SH   SOLE 0 7,505 0 0
ISHARES TR SELECT DIVID ETF 464287168 421 3,925 SH   SOLE 0 3,925 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 209 4,174 SH   SOLE 0 4,174 0 0
JANUS HENDERSON GROUP PLC ORD SHS G4474Y214 290 14,266 SH   SOLE 0 14,266 0 0
JOHNSON & JOHNSON COM 478160104 18,922 115,828 SH   DFND 1 115,828 0 0
JOHNSON & JOHNSON COM 478160104 572 3,500 SH   OTR 3 3,500 0 0
JOHNSON & JOHNSON COM 478160104 26,426 161,765 SH   SOLE 0 154,440 0 7,325
JPMORGAN CHASE & CO COM 46625H100 5,896 56,419 SH   DFND 1 56,419 0 0
JPMORGAN CHASE & CO COM 46625H100 17,805 170,386 SH   SOLE 0 152,636 0 17,750
KRAFT HEINZ CO COM 500754106 252 7,557 SH   SOLE 0 7,557 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409 675 3,294 SH   SOLE 0 3,294 0 0
LILLY ELI & CO COM 532457108 24,639 76,200 SH   DFND 1 76,200 0 0
LILLY ELI & CO COM 532457108 8,131 25,145 SH   SOLE 0 25,145 0 0
LINDE PLC SHS G5494J103 279 1,034 SH   SOLE 0 1,034 0 0
LOCKHEED MARTIN CORP COM 539830109 3,336 8,635 SH   SOLE 0 8,635 0 0
LOWES COS INC COM 548661107 781 4,161 SH   SOLE 0 4,161 0 0
MARSH & MCLENNAN COS INC COM 571748102 205 1,370 SH   SOLE 0 1,370 0 0
MASTERCARD INCORPORATED CL A 57636Q104 2,000 7,034 SH   DFND 1 7,034 0 0
MASTERCARD INCORPORATED CL A 57636Q104 8,525 29,982 SH   SOLE 0 21,682 0 8,300
MCDONALDS CORP COM 580135101 1,330 5,764 SH   SOLE 0 5,764 0 0
MEDTRONIC PLC SHS G5960L103 6,413 79,419 SH   DFND 1 79,419 0 0
MEDTRONIC PLC SHS G5960L103 10,125 125,382 SH   SOLE 0 113,132 0 12,250
MERCK & CO INC COM 58933Y105 9,088 105,522 SH   DFND 1 105,522 0 0
MERCK & CO INC COM 58933Y105 19,440 225,732 SH   SOLE 0 200,507 0 25,225
META PLATFORMS INC CL A 30303M102 7,820 57,636 SH   DFND 1 57,636 0 0
META PLATFORMS INC CL A 30303M102 11,171 82,335 SH   SOLE 0 73,383 0 8,952
MICROSOFT CORP COM 594918104 15,773 67,723 SH   DFND 1 67,723 0 0
MICROSOFT CORP COM 594918104 43,666 187,490 SH   SOLE 0 173,260 0 14,230
MONDELEZ INTL INC CL A 609207105 3,619 65,998 SH   DFND 1 65,998 0 0
MONDELEZ INTL INC CL A 609207105 15,205 277,319 SH   SOLE 0 242,087 0 35,232
NETFLIX INC COM 64110L106 2,535 10,769 SH   DFND 1 10,769 0 0
NETFLIX INC COM 64110L106 6,958 29,554 SH   SOLE 0 25,934 0 3,620
NEXTERA ENERGY INC COM 65339F101 895 11,410 SH   SOLE 0 11,410 0 0
NEXTERA ENERGY PARTNERS LP COM UNIT PART IN 65341B106 4,836 66,881 SH   DFND 1 66,881 0 0
NEXTERA ENERGY PARTNERS LP COM UNIT PART IN 65341B106 12,199 168,710 SH   SOLE 0 143,365 0 25,345
NIKE INC CL B 654106103 3,064 36,868 SH   DFND 1 36,868 0 0
NIKE INC CL B 654106103 10,515 126,508 SH   SOLE 0 109,701 0 16,807
NORFOLK SOUTHN CORP COM 655844108 6,428 30,659 SH   DFND 1 30,659 0 0
NORFOLK SOUTHN CORP COM 655844108 744 3,547 SH   SOLE 0 3,547 0 0
NORTHERN TR CORP COM 665859104 513 6,000 SH   SOLE 0 6,000 0 0
NOVARTIS AG SPONSORED ADR 66987V109 702 9,242 SH   SOLE 0 9,242 0 0
NOVO-NORDISK A S ADR 670100205 560 5,625 SH   SOLE 0 5,625 0 0
NVIDIA CORPORATION COM 67066G104 249 2,051 SH   SOLE 0 2,051 0 0
NXP SEMICONDUCTORS N V COM N6596X109 9,598 65,069 SH   DFND 1 65,069 0 0
NXP SEMICONDUCTORS N V COM N6596X109 44 300 SH   OTR 3 300 0 0
NXP SEMICONDUCTORS N V COM N6596X109 18,103 122,725 SH   SOLE 0 110,355 0 12,370
PALANTIR TECHNOLOGIES INC CL A 69608A108 1,691 208,010 SH   DFND 1 208,010 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 6,044 743,470 SH   SOLE 0 615,210 0 128,260
PALO ALTO NETWORKS INC COM 697435105 16,626 101,510 SH   DFND 1 101,510 0 0
PALO ALTO NETWORKS INC COM 697435105 32,508 198,474 SH   SOLE 0 175,431 0 23,043
PAYPAL HLDGS INC COM 70450Y103 10,655 123,800 SH   DFND 1 123,800 0 0
PAYPAL HLDGS INC COM 70450Y103 16,735 194,433 SH   SOLE 0 185,433 0 9,000
PEPSICO INC COM 713448108 46,569 285,243 SH   DFND 1 285,243 0 0
PEPSICO INC COM 713448108 35,405 216,860 SH   SOLE 0 207,447 0 9,413
PFIZER INC COM 717081103 2,997 68,482 SH   DFND 1 68,482 0 0
PFIZER INC COM 717081103 11,656 266,359 SH   SOLE 0 232,604 0 33,755
PHILIP MORRIS INTL INC COM 718172109 1,008 12,139 SH   SOLE 0 12,139 0 0
PNC FINL SVCS GROUP INC COM 693475105 257 1,717 SH   SOLE 0 1,717 0 0
PROCTER AND GAMBLE CO COM 742718109 4,671 37,000 SH   DFND 1 37,000 0 0
PROCTER AND GAMBLE CO COM 742718109 1,927 15,266 SH   SOLE 0 13,466 0 1,800
PROLOGIS INC. COM 74340W103 4,947 48,687 SH   DFND 1 48,687 0 0
PROLOGIS INC. COM 74340W103 14,531 143,017 SH   SOLE 0 119,673 0 23,344
PROSHARES TR SP500 EX ENRGY 74347B581 280 3,675 SH   SOLE 0 3,675 0 0
QUALCOMM INC COM 747525103 652 5,767 SH   SOLE 0 4,667 0 1,100
QUEST DIAGNOSTICS INC COM 74834L100 491 4,000 SH   SOLE 0 4,000 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 11,147 136,171 SH   DFND 1 136,171 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 19,604 239,480 SH   SOLE 0 207,072 0 32,408
REGENERON PHARMACEUTICALS COM 75886F107 396 575 SH   SOLE 0 0 0 575
ROBERT HALF INTL INC COM 770323103 230 3,008 SH   SOLE 0 3,008 0 0
ROYAL BK CDA COM 780087102 225 2,495 SH   SOLE 0 2,495 0 0
SALESFORCE INC COM 79466L302 502 3,490 SH   SOLE 0 3,490 0 0
SCHLUMBERGER LTD COM STK 806857108 819 22,819 SH   SOLE 0 22,819 0 0
SCHWAB CHARLES CORP COM 808513105 260 3,615 SH   SOLE 0 3,615 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,613 163,980 SH   DFND 1 163,980 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 19,782 703,227 SH   SOLE 0 703,227 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 3,654 86,285 SH   SOLE 0 86,285 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 5,411 143,143 SH   DFND 1 143,143 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 22,088 584,348 SH   SOLE 0 584,348 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 4,360 194,634 SH   DFND 1 194,634 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 18,861 841,991 SH   SOLE 0 841,991 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 7,354 61,912 SH   DFND 1 61,912 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 20,052 168,818 SH   SOLE 0 146,153 0 22,665
SHELL PLC SPON ADS 780259305 4,598 92,400 SH   DFND 1 92,400 0 0
SHELL PLC SPON ADS 780259305 699 14,047 SH   SOLE 0 14,047 0 0
SNOWFLAKE INC CL A 833445109 2,978 17,520 SH   DFND 1 17,520 0 0
SNOWFLAKE INC CL A 833445109 7,381 43,425 SH   SOLE 0 38,336 0 5,089
SOUTHERN CO COM 842587107 203 2,978 SH   SOLE 0 2,978 0 0
SPDR GOLD TR GOLD SHS 78463V107 401 2,591 SH   SOLE 0 2,591 0 0
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 238 11,212 SH   SOLE 0 11,212 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 770 2,157 SH   DFND 1 2,157 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 8,771 24,557 SH   SOLE 0 24,557 0 0
STARBUCKS CORP COM 855244109 3,703 43,944 SH   DFND 1 43,944 0 0
STARBUCKS CORP COM 855244109 14,615 173,454 SH   SOLE 0 152,644 0 20,810
STRYKER CORPORATION COM 863667101 3,528 17,419 SH   DFND 1 17,419 0 0
STRYKER CORPORATION COM 863667101 13,632 67,307 SH   SOLE 0 58,945 0 8,362
SVB FINANCIAL GROUP COM 78486Q101 705 2,100 SH   SOLE 0 2,100 0 0
TARGET CORP COM 87612E106 397 2,675 SH   SOLE 0 2,675 0 0
TESLA INC COM 88160R101 396 1,494 SH   SOLE 0 1,494 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 16,597 32,724 SH   DFND 1 32,724 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 27,010 53,255 SH   SOLE 0 48,874 0 4,381
TJX COS INC NEW COM 872540109 4,623 74,420 SH   SOLE 0 60,906 0 13,514
UDR INC COM 902653104 571 13,701 SH   SOLE 0 13,701 0 0
UNILEVER PLC SPON ADR NEW 904767704 303 6,920 SH   SOLE 0 6,920 0 0
UNION PAC CORP COM 907818108 29,894 153,443 SH   DFND 1 153,443 0 0
UNION PAC CORP COM 907818108 156 800 SH   OTR 3 800 0 0
UNION PAC CORP COM 907818108 27,670 142,028 SH   SOLE 0 133,485 0 8,543
UNITED PARCEL SERVICE INC CL B 911312106 8,947 55,384 SH   DFND 1 55,384 0 0
UNITED PARCEL SERVICE INC CL B 911312106 17,613 109,031 SH   SOLE 0 95,246 0 13,785
UNITEDHEALTH GROUP INC COM 91324P102 421 834 SH   SOLE 0 834 0 0
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 869 4,693 SH   SOLE 0 4,693 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 242 4,934 SH   SOLE 0 3,414 0 1,520
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 632 1,925 SH   SOLE 0 1,925 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 335 9,190 SH   SOLE 0 9,190 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 261 3,514 SH   SOLE 0 3,514 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 221 6,080 SH   SOLE 0 6,080 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 406 10,689 SH   SOLE 0 10,689 0 0
VISA INC COM CL A 92826C839 2,108 11,864 SH   DFND 1 11,864 0 0
VISA INC COM CL A 92826C839 8,441 47,512 SH   SOLE 0 34,187 0 13,325
VULCAN MATLS CO COM 929160109 7,320 46,412 SH   DFND 1 46,412 0 0
VULCAN MATLS CO COM 929160109 16,093 102,041 SH   SOLE 0 88,741 0 13,300
WALMART INC COM 931142103 215 1,661 SH   SOLE 0 1,661 0 0
WASHINGTON REAL ESTATE INVT SH BEN INT 939653101 338 19,263 SH   SOLE 0 19,263 0 0
WELLS FARGO CO NEW COM 949746101 213 5,295 SH   SOLE 0 5,295 0 0
WHITE MTNS INS GROUP LTD COM G9618E107 509 391 SH   SOLE 0 391 0 0
WILEY JOHN & SONS INC CL A 968223206 381 10,142 SH   SOLE 0 10,142 0 0
YUM BRANDS INC COM 988498101 10,955 103,015 SH   DFND 1 103,015 0 0
YUM BRANDS INC COM 988498101 3,597 33,821 SH   SOLE 0 33,821 0 0