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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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
AT&T INC COM 00206R102 3,680 121,722 SH   DFND   2,260 0 119,462
ABBVIE INC COM 00287Y109 4,478 45,606 SH   DFND   665 0 44,941
ADOBE SYSTEMS INC COM 00724F101 435 1,000 SH   DFND   0 0 1,000
ALPHABET CLASS A COM 02079K305 11,262 7,942 SH   DFND   132 0 7,810
AMAZON.COM INC COM 023135106 13,397 4,856 SH   DFND   82 0 4,774
AVANTIS US SMALL CAP VALUE ETF COM 025072877 4,288 105,852 SH   DFND   3,015 0 102,837
AMERICAN ELECTRIC POWER COM 025537101 4,846 60,843 SH   DFND   1,135 0 59,708
AMGEN INC. COM 031162100 6,829 28,955 SH   DFND   470 0 28,485
APPLE INC COM 037833100 14,084 38,606 SH   DFND   590 0 38,016
BANK OF AMERICA CORP COM 060505104 3,816 160,693 SH   DFND   4,820 0 155,873
BLACKROCK INC COM 09247X101 7,528 13,836 SH   DFND   258 0 13,578
BRISTOL-MYERS SQUIBB COM 110122108 4,389 74,650 SH   DFND   1,225 0 73,425
CME GROUP INC COM 12572Q105 4,687 28,839 SH   DFND   510 0 28,329
CVS HEALTH CORPORATION COM 126650100 3,454 53,163 SH   DFND   910 0 52,253
CALUMET SPP LP COM 131476103 115 50,500 SH   DFND   0 0 50,500
CHEVRON CORP NEW COM 166764100 3,108 34,834 SH   DFND   665 0 34,169
CISCO SYSTEMS INC COM 17275R102 6,908 148,113 SH   DFND   2,585 0 145,528
COCA-COLA COMPANY COM 191216100 3,292 73,675 SH   DFND   1,160 0 72,515
COMCAST CORP CL A (NEW) COM 20030N101 3,011 77,250 SH   DFND   1,355 0 75,895
DANAHER CORP COM 235851102 5,964 33,727 SH   DFND   585 0 33,142
DIGITAL REALTY TRUST INC COM 253868103 4,079 28,706 SH   DFND   515 0 28,191
DISNEY WALT CO (HOLDING CO) COM 254687106 4,246 38,077 SH   DFND   660 0 37,417
FORTIVE CORPORATION COM 34959J108 5,238 77,415 SH   DFND   1,370 0 76,045
HOME DEPOT INC COM 437076102 6,661 26,590 SH   DFND   440 0 26,150
HONEYWELL INTERNATIONAL INC COM 438516106 2,928 20,249 SH   DFND   355 0 19,894
INVESCO QQQ TR COM 46090E103 1,112 4,491 SH   DFND   0 0 4,491
POWERSHARES S&P 500 LOW VLTY COM 46138E354 456 9,175 SH   DFND   0 0 9,175
ISHARES BARCLAYS TIPS BOND COM 464287176 257 2,091 SH   DFND   0 0 2,091
ISHARES CORE S&P 500 COM 464287200 433 1,396 SH   DFND   0 0 1,396
ISHARES EDGE MSCI MIN VOL EAFE COM 46429B689 611 9,255 SH   DFND   0 0 9,255
ISHARES CORE MSCI EAFE COM 46432F842 253 4,417 SH   DFND   0 0 4,417
ISHARES CORE 1-5 YEAR USD BOND COM 46432F859 231 4,479 SH   DFND   0 0 4,479
J.P. MORGAN CHASE& CO COM 46625H100 8,961 95,273 SH   DFND   1,360 0 93,913
KIMBERLY CLARK COM 494368103 3,493 24,709 SH   DFND   510 0 24,199
MACERICH REIT CO COM 554382101 1,070 119,233 SH   DFND   4,274 0 114,959
MASTERCARD INC-CL A COM 57636Q104 4,893 16,547 SH   DFND   280 0 16,267
MERCK& CO. INC. COM 58933Y105 6,470 83,672 SH   DFND   1,595 0 82,077
MICROSOFT CORP COM 594918104 19,934 97,950 SH   DFND   1,680 0 96,270
MONDELEZ INTERNATIONAL INC COM 609207105 4,976 97,314 SH   DFND   1,600 0 95,714
NVIDIA CORP COM 67066G104 6,952 18,300 SH   DFND   330 0 17,970
PEPSICO INC COM 713448108 5,553 41,985 SH   DFND   735 0 41,250
RADIX MARINE INC COM 750483109 0 20,000 SH   DFND   0 0 20,000
RAYTHEON TECHNOLOGIES CORP COM 75513E101 3,871 62,817 SH   DFND   1,080 0 61,737
S& P 500 DEPOSITARY RECEIPT COM 78462F103 263 853 SH   DFND   0 0 853
SPDR PORTFOLIO DEVELOPED WORLD COM 78463X889 256 9,278 SH   DFND   0 0 9,278
SPDR MSCI USA FACTORS COM 78468R812 541 6,130 SH   DFND   0 0 6,130
SALESFORCE.COM INC COM 79466L302 4,502 24,034 SH   DFND   410 0 23,624
SERVICENOW INC COM 81762P102 405 1,000 SH   DFND   0 0 1,000
SIMON PROPERTY GROUP COM 828806109 1,673 24,462 SH   DFND   0 0 24,462
STARBUCKS CORP COM 855244109 3,390 46,065 SH   DFND   780 0 45,285
TRUIST FINANCIAL CORPORATION COM 89832Q109 4,478 119,263 SH   DFND   2,255 0 117,008
UNITEDHEALTH GROUP INC COM 91324P102 5,666 19,211 SH   DFND   340 0 18,871
VANGUARD S&P 500 ETF COM 922908363 834 2,943 SH   DFND   0 0 2,943
VERIZON COMMUNICATIONS COM 92343V104 5,472 99,248 SH   DFND   1,635 0 97,613
VISA INC. COM 92826C839 10,637 55,065 SH   DFND   950 0 54,115