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
ACCENTURE LTD SHS CLASS A G1151C101   14,052,263 40,542 SH   DFND   40,257 0 285
AIR PRODUCTS & CHEMICALS INC COM 009158106   6,415,310 26,480 SH   DFND   26,370 0 110
AON PLC SHS CL A G0403H108   7,130,929 21,368 SH   DFND   21,249 0 119
APPLE INC COM 037833100   19,444,289 113,391 SH   DFND   112,802 0 589
AVANTIS EMERGING MARKETS EQ AVANTIS EMGMKT 025072604   513,236 8,855 SH   DFND   8,855 0 0
BLACKROCK INC COM 09247X101   13,748,547 16,491 SH   DFND   16,391 0 100
CHEVRON CORPORATION COM 166764100   8,936,129 56,651 SH   DFND   56,351 0 300
COCA-COLA CO COM 191216100   6,586,211 107,653 SH   DFND   107,093 0 560
COSTCO WHSL CORP NEW COM COM 22160K105   14,019,608 19,136 SH   DFND   19,025 0 111
CVS HEALTH CORPORATION COM 126650100   7,128,550 89,375 SH   DFND   88,870 0 505
EATON CORP, PLC SHS G29183103   12,280,507 39,275 SH   DFND   39,095 0 180
HONEYWELL INTERNATIONAL, INC. COM 438516106   11,112,235 54,140 SH   DFND   53,796 0 344
ISHARES BARCLAYS MBS BOND FUND MBS ETF 464288588   481,693 5,212 SH   DFND   5,212 0 0
ISHARES CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842   794,080 10,699 SH   DFND   10,699 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103   701,244 13,590 SH   DFND   13,590 0 0
ISHARES CORE S&P 500 ETF CORE S&P500 ETF 464287200   641,391 1,220 SH   DFND   1,220 0 0
ISHARES CORE S&P MID-CAP ETF CORE S&P MCP ETF 464287507   485,920 8,000 SH   DFND   8,000 0 0
ISHARES CORE S&P SMALL-CAP ETF CORE S&P SCP ETF 464287804   829,453 7,505 SH   DFND   7,505 0 0
ISHARES FLOATING RATE BOND E FLTG RATE NT ETF 46429B655   300,233 5,880 SH   DFND   5,880 0 0
J.P. MORGAN CHASE & CO COM 46625H100   14,001,972 69,905 SH   DFND   69,439 0 466
JOHNSON & JOHNSON COM 478160104   9,560,054 60,434 SH   DFND   60,059 0 375
LOWES COS INC COM 548661107   13,514,700 53,055 SH   DFND   52,713 0 342
MASTERCARD CLA 57636Q104   17,961,116 37,297 SH   DFND   37,107 0 190
MCKESSON CORP COM 58155Q103   7,752,114 14,440 SH   DFND   14,360 0 80
MEDTRONIC PLC SHS G5960L103   10,340,609 118,653 SH   DFND   118,168 0 485
MICROSOFT CORP COM 594918104   23,146,332 55,016 SH   DFND   54,670 0 346
NEXTERA ENERGY INC COM 65339F101   6,242,729 97,680 SH   DFND   97,044 0 636
NIKE INC CL B CL B 654106103   6,959,501 74,053 SH   DFND   73,588 0 465
ORACLE SYS CORP COM 68389X105   11,954,932 95,175 SH   DFND   94,625 0 550
PEPSICO INC COM 713448108   12,326,304 70,432 SH   DFND   70,057 0 375
RAYTHEON TECHNOLOGIES CORP COM 75513E101   15,006,063 153,861 SH   DFND   153,159 0 702
S&P GLOBAL INC COM 78409V104   11,081,696 26,047 SH   DFND   25,918 0 129
STARBUCKS CORP COM 855244109   6,566,828 71,855 SH   DFND   71,505 0 350
STRYKER CORP COM 863667101   6,537,211 18,267 SH   DFND   18,146 0 121
TEXAS INSTRUMENTS INC COM 882508104   7,537,892 43,269 SH   DFND   42,894 0 375
THERMO FISHER SCIENTIFIC INC COM 883556102   8,046,852 13,845 SH   DFND   13,760 0 85
TJX COS INC NEW COM 872540109   13,270,401 130,846 SH   DFND   130,341 0 505
UNITED PARCEL SVC INC CL B CL B 911312106   6,717,630 45,197 SH   DFND   45,017 0 180
UNITEDHEALTH GROUP INC COM 91324P102   12,647,006 25,565 SH   DFND   25,426 0 139
VANGUARD FTSE EUROPE ETF FTSE EUROPE ETF 922042874   221,549 3,290 SH   DFND   3,290 0 0
VANGUARD FTSE PACIFIC ETF FTSE PACIFIC ETF 922042866   343,656 4,520 SH   DFND   4,520 0 0