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   12,318,425 34,849 SH   DFND   34,629 0 220
AIR PRODUCTS & CHEMICALS INC COM 009158106   6,531,225 21,936 SH   DFND   21,826 0 110
ALPHABET INC - CL A CAP STK CL A 02079K305   7,988,663 48,168 SH   DFND   47,788 0 380
AON PLC SHS CL A G0403H108   6,540,941 18,905 SH   DFND   18,786 0 119
APPLE INC COM 037833100   23,821,920 102,240 SH   DFND   101,651 0 589
AVANTIS EMERGING MARKETS EQ AVANTIS EMGMKT 025072604   572,033 8,855 SH   DFND   8,855 0 0
BLACKROCK INC COM 09247X101   14,110,668 14,861 SH   DFND   14,761 0 100
CHEVRON CORPORATION COM 166764100   8,331,064 56,570 SH   DFND   56,270 0 300
COCA-COLA CO COM 191216100   7,678,888 106,859 SH   DFND   106,299 0 560
COSTCO WHSL CORP NEW COM COM 22160K105   15,091,230 17,023 SH   DFND   16,912 0 111
EATON CORP, PLC SHS G29183103   11,207,312 33,814 SH   DFND   33,634 0 180
HONEYWELL INTERNATIONAL, INC. COM 438516106   13,493,822 65,279 SH   DFND   64,883 0 396
ISHARES CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842   835,057 10,699 SH   DFND   10,699 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103   780,202 13,590 SH   DFND   13,590 0 0
ISHARES CORE S&P 500 ETF CORE S&P ETF 464287200   599,893 1,040 SH   DFND   1,040 0 0
ISHARES CORE S&P MID-CAP ETF CORE S&P MCP ETF 464287507   498,560 8,000 SH   DFND   8,000 0 0
ISHARES CORE S&P SMALL-CAP ETF CORE S&P SCP ETF 464287804   609,362 5,210 SH   DFND   5,210 0 0
ISHARES EDGE MSCI USA QUALIT MSCI USA QLT FCT 46432F339   1,459,502 8,140 SH   DFND   8,140 0 0
ISHARES FLOATING RATE BOND E FLTG RATE NT ETF 46429B655   271,482 5,319 SH   DFND   5,319 0 0
J.P. MORGAN CHASE & CO COM 46625H100   14,095,148 66,846 SH   DFND   66,380 0 466
JANUS HENDERSON MORTGAGE-BACKED SECURITIES ETF HENDERSON MTG 47103U852   401,843 8,614 SH   DFND   8,614 0 0
JOHNSON & JOHNSON COM 478160104   9,720,197 59,979 SH   DFND   59,604 0 375
LOWES COS INC COM 548661107   13,940,650 51,470 SH   DFND   51,128 0 342
MASTERCARD CLA 57636Q104   15,935,914 32,272 SH   DFND   32,082 0 190
MCKESSON CORP COM 58155Q103   7,111,243 14,383 SH   DFND   14,303 0 80
MEDTRONIC PLC SHS G5960L103   8,391,336 93,206 SH   DFND   92,721 0 485
MICROSOFT CORP COM 594918104   23,638,531 54,935 SH   DFND   54,589 0 346
NEXTERA ENERGY, INC. COM 65339F101   8,249,536 97,593 SH   DFND   96,957 0 636
NVIDIA CORP COM 67066G104   3,583,573 29,509 SH   DFND   29,234 0 275
ORACLE SYS CORP COM 68389X105   16,194,986 95,041 SH   DFND   94,491 0 550
PEPSICO INC COM 713448108   11,900,099 69,980 SH   DFND   69,605 0 375
RAYTHEON TECHNOLOGIES CORP COM 75513E101   15,981,246 131,902 SH   DFND   131,200 0 702
S&P GLOBAL INC COM 78409V104   12,422,645 24,046 SH   DFND   23,917 0 129
STRYKER CORP COM 863667101   6,587,576 18,235 SH   DFND   18,114 0 121
TEXAS INSTRUMENTS INC COM 882508104   8,594,551 41,606 SH   DFND   41,231 0 375
THERMO FISHER SCIENTIFIC INC COM 883556102   8,408,841 13,594 SH   DFND   13,509 0 85
TJX COS INC NEW COM 872540109   11,673,015 99,311 SH   DFND   98,806 0 505
UNITED PARCEL SVC INC CL B CL B 911312106   5,929,563 43,491 SH   DFND   43,311 0 180
UNITEDHEALTH GROUP INC COM 91324P102   13,276,329 22,707 SH   DFND   22,568 0 139
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   233,919 3,290 SH   DFND   3,290 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   354,323 4,520 SH   DFND   4,520 0 0