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 PLC IRELAND SHS CLASS A G1151C101   12,303,855 34,975 SH   DFND   34,619 0 356
AIR PRODS & CHEMS INC COM 009158106   6,003,248 20,698 SH   DFND   20,516 0 182
ALPHABET INC CAP STK CL A 02079K305   8,572,261 45,284 SH   DFND   44,654 0 630
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   520,585 8,855 SH   DFND   8,855 0 0
AON PLC SHS CL A G0403H108   6,782,737 18,885 SH   DFND   18,690 0 195
APPLE INC COM 037833100   25,692,341 102,597 SH   DFND   101,628 0 969
BLACKROCK INC COM 09290D101   14,209,050 13,861 SH   DFND   13,702 0 159
CHEVRON CORP NEW COM 166764100   4,180,227 28,861 SH   DFND   28,366 0 495
COCA COLA CO COM 191216100   6,274,501 100,779 SH   DFND   99,973 0 806
COSTCO WHSL CORP NEW COM 22160K105   15,658,138 17,089 SH   DFND   16,908 0 181
EATON CORP PLC SHS G29183103   10,689,865 32,211 SH   DFND   31,871 0 340
ELI LILLY & CO COM 532457108   2,878,016 3,728 SH   DFND   3,681 0 47
HONEYWELL INTL INC COM 438516106   13,977,621 61,878 SH   DFND   61,277 0 601
ISHARES INC CORE MSCI EMKT 46434G103   709,670 13,590 SH   DFND   13,590 0 0
ISHARES TR CORE MSCI EAFE 46432F842   751,926 10,699 SH   DFND   10,699 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   1,449,571 8,140 SH   DFND   8,140 0 0
ISHARES TR FLTG RATE NT ETF 46429B655   272,920 5,364 SH   DFND   5,364 0 0
ISHARES TR CORE S&P MCP ETF 464287507   498,480 8,000 SH   DFND   8,000 0 0
ISHARES TR CORE S&P SCP ETF 464287804   600,296 5,210 SH   DFND   5,210 0 0
ISHARES TR CORE S&P500 ETF 464287200   612,227 1,040 SH   DFND   1,040 0 0
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845   229,615 4,528 SH   DFND   4,528 0 0
JANUS DETROIT STR TR HENDERSON MTG 47103U852   494,374 11,190 SH   DFND   11,190 0 0
JOHNSON & JOHNSON COM 478160104   8,117,231 56,128 SH   DFND   55,557 0 571
JPMORGAN CHASE & CO. COM 46625H100   16,079,507 67,079 SH   DFND   66,363 0 716
LOWES COS INC COM 548661107   11,978,932 48,537 SH   DFND   47,985 0 552
MASTERCARD INCORPORATED CL A 57636Q104   17,049,810 32,379 SH   DFND   32,074 0 305
MCKESSON CORP COM 58155Q103   7,843,101 13,762 SH   DFND   13,632 0 130
MEDTRONIC PLC SHS G5960L103   4,944,971 61,905 SH   DFND   61,135 0 770
MICROSOFT CORP COM 594918104   23,253,734 55,169 SH   DFND   54,581 0 588
NEXTERA ENERGY INC COM 65339F101   7,715,565 107,624 SH   DFND   106,387 0 1,237
NVIDIA CORPORATION COM 67066G104   3,636,707 27,081 SH   DFND   26,623 0 458
ORACLE CORP COM 68389X105   15,904,788 95,444 SH   DFND   94,472 0 972
PEPSICO INC COM 713448108   10,013,455 65,852 SH   DFND   65,295 0 557
RTX CORPORATION COM 75513E101   13,250,056 114,501 SH   DFND   113,532 0 969
S&P GLOBAL INC COM 78409V104   11,325,700 22,741 SH   DFND   22,527 0 214
STRYKER CORPORATION COM 863667101   6,585,315 18,290 SH   DFND   18,109 0 181
TEXAS INSTRS INC COM 882508104   7,177,508 38,278 SH   DFND   37,638 0 640
THERMO FISHER SCIENTIFIC INC COM 883556102   6,527,326 12,547 SH   DFND   12,416 0 131
TJX COS INC NEW COM 872540109   12,031,347 99,589 SH   DFND   98,789 0 800
UNITED PARCEL SERVICE INC CL B 911312106   350,180 2,777 SH   DFND   2,392 0 385
UNITEDHEALTH GROUP INC COM 91324P102   10,257,829 20,278 SH   DFND   20,053 0 225
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   208,816 3,290 SH   DFND   3,290 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   321,101 4,520 SH   DFND   4,520 0 0