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   12,282,037 40,480 SH   DFND   40,195 0 285
AIR PRODUCTS & CHEMICALS INC COM 009158106   5,661,101 21,938 SH   DFND   21,828 0 110
ALPHABET INC - CL A CAP STK CL A 02079K305   7,006,218 38,464 SH   DFND   38,237 0 227
AON PLC SHS CL A G0403H108   5,550,717 18,907 SH   DFND   18,788 0 119
APPLE INC COM 037833100   23,852,715 113,250 SH   DFND   112,661 0 589
AVANTIS EMERGING MARKETS EQ AVANTIS EMGMKT 025072604   540,952 8,855 SH   DFND   8,855 0 0
BLACKROCK INC COM 09247X101   12,963,224 16,465 SH   DFND   16,365 0 100
CHEVRON CORPORATION COM 166764100   8,849,149 56,573 SH   DFND   56,273 0 300
COCA-COLA CO COM 191216100   6,801,257 106,854 SH   DFND   106,294 0 560
COSTCO WHSL CORP NEW COM COM 22160K105   16,206,759 19,067 SH   DFND   18,956 0 111
EATON CORP, PLC SHS G29183103   10,602,066 33,813 SH   DFND   33,633 0 180
HONEYWELL INTERNATIONAL, INC. COM 438516106   13,940,532 65,283 SH   DFND   64,887 0 396
ISHARES CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842   777,175 10,699 SH   DFND   10,699 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103   727,473 13,590 SH   DFND   13,590 0 0
ISHARES CORE S&P 500 ETF CORE S&P ETF 464287200   569,119 1,040 SH   DFND   1,040 0 0
ISHARES CORE S&P MID-CAP ETF CORE S&P MCP ETF 464287507   468,160 8,000 SH   DFND   8,000 0 0
ISHARES CORE S&P SMALL-CAP ETF CORE S&P SCP ETF 464287804   555,699 5,210 SH   DFND   5,210 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   1,389,986 8,140 SH   DFND   8,140 0 0
ISHARES FLOATING RATE BOND E FLTG RATE NT ETF 46429B655   272,208 5,328 SH   DFND   5,328 0 0
J.P. MORGAN CHASE & CO COM 46625H100   13,521,688 66,853 SH   DFND   66,387 0 466
JANUS DETROIT STR TR HENDERSON MTG 47103U852   334,920 7,501 SH   DFND   7,501 0 0
JOHNSON & JOHNSON COM 478160104   8,766,384 59,978 SH   DFND   59,603 0 375
LOWES COS INC COM 548661107   11,348,399 51,476 SH   DFND   51,134 0 342
MASTERCARD CLA 57636Q104   15,522,215 35,185 SH   DFND   34,995 0 190
MCKESSON CORP COM 58155Q103   8,400,831 14,384 SH   DFND   14,304 0 80
MEDTRONIC PLC SHS G5960L103   8,384,189 106,520 SH   DFND   106,035 0 485
MICROSOFT CORP COM 594918104   24,556,327 54,942 SH   DFND   54,596 0 346
NEXTERA ENERGY, INC. COM 65339F101   6,910,560 97,593 SH   DFND   96,957 0 636
NVIDIA CORP COM 67066G104   3,512,736 28,434 SH   DFND   28,264 0 170
ORACLE SYS CORP COM 68389X105   13,419,930 95,042 SH   DFND   94,492 0 550
PEPSICO INC COM 713448108   11,541,966 69,981 SH   DFND   69,606 0 375
RAYTHEON TECHNOLOGIES CORP COM 75513E101   13,242,746 131,913 SH   DFND   131,211 0 702
S&P GLOBAL INC COM 78409V104   11,566,564 25,934 SH   DFND   25,805 0 129
STRYKER CORP COM 863667101   6,206,500 18,241 SH   DFND   18,120 0 121
TEXAS INSTRUMENTS INC COM 882508104   8,097,506 41,626 SH   DFND   41,251 0 375
THERMO FISHER SCIENTIFIC INC COM 883556102   7,519,694 13,598 SH   DFND   13,513 0 85
TJX COS INC NEW COM 872540109   12,145,682 110,315 SH   DFND   109,810 0 505
UNITED PARCEL SVC INC CL B CL B 911312106   5,951,880 43,492 SH   DFND   43,312 0 180
UNITEDHEALTH GROUP INC COM 91324P102   13,003,445 25,534 SH   DFND   25,395 0 139
VANGUARD FTSE EUROPE ETF FTSE EUROPE ETF 922042874   219,673 3,290 SH   DFND   3,290 0 0
VANGUARD FTSE PACIFIC ETF INF TECH ETF 922042866   335,294 4,520 SH   DFND   4,520 0 0