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   14,946,434 52,295 SH   DFND   52,295 0 0
AIR PRODUCTS & CHEMICALS INC COM 009158106   7,651,274 26,640 SH   DFND   26,640 0 0
AON PLC SHS CL A G0403H108   6,783,149 21,514 SH   DFND   21,514 0 0
APPLE INC COM 037833100   20,294,738 123,073 SH   DFND   123,073 0 0
AVANTIS EMERGING MARKETS EQ AVANTIS EMGMKT 025072604   264,450 5,000 SH   DFND   5,000 0 0
BLACKROCK INC COM 09247X101   12,035,461 17,987 SH   DFND   17,987 0 0
CHEVRON CORPORATION COM 166764100   6,115,074 37,479 SH   DFND   37,479 0 0
COCA-COLA CO COM 191216100   6,706,994 108,125 SH   DFND   108,125 0 0
COSTCO WHSL CORP NEW COM COM 22160K105   13,296,241 26,760 SH   DFND   26,760 0 0
CVS HEALTH CORPORATION COM 126650100   10,535,672 141,780 SH   DFND   141,780 0 0
DOLLAR GENERAL CORP COM 256677105   11,642,016 55,317 SH   DFND   55,317 0 0
DUPONT DE NEMOURS INC COM 26614N102   7,788,265 108,517 SH   DFND   108,517 0 0
HONEYWELL INTERNATIONAL, INC. COM 438516106   10,441,650 54,634 SH   DFND   54,634 0 0
ISHARES 0-5 YEAR TIPS BOND ETF 0-5 YR TIPS ETF 46429B747   237,656 2,395 SH   DFND   2,395 0 0
ISHARES BARCLAYS MBS BOND FUND MBS ETF 464288588   492,028 5,194 SH   DFND   5,194 0 0
ISHARES CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842   715,228 10,699 SH   DFND   10,699 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103   872,365 17,880 SH   DFND   17,880 0 0
ISHARES CORE S&P 500 ETF CORE S&P500 ETF 464287200   501,518 1,220 SH   DFND   1,220 0 0
ISHARES CORE S&P MID-CAP ETF CORE S&P MCP ETF 464287507   400,256 1,600 SH   DFND   1,600 0 0
ISHARES CORE S&P SMALL-CAP ETF CORE S&P SCP ETF 464287804   725,734 7,505 SH   DFND   7,505 0 0
ISHARES FLOATING RATE BOND E FLTG RATE NT ETF 46429B655   291,506 5,785 SH   DFND   5,785 0 0
J.P. MORGAN CHASE & CO COM 46625H100   10,748,099 82,481 SH   DFND   82,481 0 0
JOHNSON & JOHNSON COM 478160104   9,459,650 61,030 SH   DFND   61,030 0 0
LOWES COS INC COM 548661107   12,246,963 61,244 SH   DFND   61,244 0 0
MASTERCARD CLA 57636Q104   15,945,341 43,877 SH   DFND   43,877 0 0
MEDTRONIC PLC SHS G5960L103   9,639,733 119,570 SH   DFND   119,570 0 0
MICROSOFT CORP COM 594918104   16,080,221 55,776 SH   DFND   55,776 0 0
NIKE INC CL B CL B 654106103   8,784,335 71,627 SH   DFND   71,627 0 0
ORACLE SYS CORP COM 68389X105   8,680,772 93,422 SH   DFND   93,422 0 0
PEPSICO INC COM 713448108   14,836,668 81,386 SH   DFND   81,386 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101   15,758,112 160,912 SH   DFND   160,912 0 0
S&P GLOBAL INC COM 78409V104   9,027,113 26,183 SH   DFND   26,183 0 0
STARBUCKS CORP COM 855244109   7,532,244 72,335 SH   DFND   72,335 0 0
TEXAS INSTRUMENTS INC COM 882508104   8,140,542 43,764 SH   DFND   43,764 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   7,524,510 13,055 SH   DFND   13,055 0 0
TJX COS INC NEW COM 872540109   10,289,138 131,306 SH   DFND   131,306 0 0
UNITED PARCEL SVC INC CL B CL B 911312106   8,087,443 41,690 SH   DFND   41,690 0 0
UNITEDHEALTH GROUP INC COM 91324P102   14,178,645 30,002 SH   DFND   30,002 0 0
VANGUARD FTSE EUROPE ETF FTSE EUROPE ETF 922042874   200,526 3,290 SH   DFND   3,290 0 0
VANGUARD FTSE PACIFIC ETF FTSE PACIFIC ETF 922042866   306,546 4,520 SH   DFND   4,520 0 0