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   10,365,804 34,681 SH   DFND   34,325 0 356
AIR PRODS & CHEMS INC COM 009158106   6,499,509 23,043 SH   DFND   22,861 0 182
ALPHABET INC CAP STK CL A 02079K305   10,539,259 59,804 SH   DFND   59,064 0 740
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   606,922 8,855 SH   DFND   8,855 0 0
AON PLC SHS CL A G0403H108   8,241,870 23,102 SH   DFND   22,863 0 239
APPLE INC COM 037833100   20,113,225 98,032 SH   DFND   97,063 0 969
BLACKROCK INC COM 09290D101   14,302,327 13,631 SH   DFND   13,468 0 163
CHEVRON CORP NEW COM 166764100   4,064,735 28,387 SH   DFND   27,892 0 495
COCA COLA CO COM 191216100   6,387,027 90,276 SH   DFND   89,470 0 806
COSTCO WHSL CORP NEW COM 22160K105   16,789,382 16,960 SH   DFND   16,779 0 181
EATON CORP PLC SHS G29183103   11,380,484 31,879 SH   DFND   31,539 0 340
ELI LILLY & CO COM 532457108   6,334,461 8,126 SH   DFND   8,057 0 69
HONEYWELL INTL INC COM 438516106   14,263,900 61,250 SH   DFND   60,649 0 601
ISHARES INC CORE MSCI EMKT 46434G103   650,725 10,840 SH   DFND   10,840 0 0
ISHARES TR CORE MSCI EAFE 46432F842   742,972 8,900 SH   DFND   8,900 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   1,488,155 8,140 SH   DFND   8,140 0 0
ISHARES TR ISHS 5-10YR INVT 464288638   202,609 3,802 SH   DFND   3,802 0 0
ISHARES TR CORE S&P MCP ETF 464287507   496,160 8,000 SH   DFND   8,000 0 0
ISHARES TR CORE S&P SCP ETF 464287804   569,401 5,210 SH   DFND   5,210 0 0
ISHARES TR CORE S&P500 ETF 464287200   1,502,578 2,420 SH   DFND   2,420 0 0
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845   302,369 5,958 SH   DFND   5,958 0 0
JANUS DETROIT STR TR HENDERSON MTG 47103U852   646,873 14,359 SH   DFND   14,359 0 0
JOHNSON & JOHNSON COM 478160104   8,445,242 55,288 SH   DFND   54,717 0 571
JPMORGAN CHASE & CO. COM 46625H100   19,156,963 66,079 SH   DFND   65,363 0 716
LOWES COS INC COM 548661107   9,674,198 43,603 SH   DFND   43,051 0 552
MASTERCARD INCORPORATED CL A 57636Q104   15,077,974 26,832 SH   DFND   26,521 0 311
MCKESSON CORP COM 58155Q103   9,296,047 12,686 SH   DFND   12,556 0 130
MEDTRONIC PLC SHS G5960L103   5,357,991 61,466 SH   DFND   60,696 0 770
MICROSOFT CORP COM 594918104   26,542,792 53,362 SH   DFND   52,774 0 588
NEXTERA ENERGY INC COM 65339F101   8,247,374 118,804 SH   DFND   117,567 0 1,237
NVIDIA CORPORATION COM 67066G104   9,708,959 61,453 SH   DFND   60,792 0 661
ORACLE CORP COM 68389X105   18,773,758 85,870 SH   DFND   84,898 0 972
PEPSICO INC COM 713448108   7,720,907 58,474 SH   DFND   57,917 0 557
RTX CORPORATION COM 75513E101   16,610,505 113,755 SH   DFND   112,786 0 969
S&P GLOBAL INC COM 78409V104   8,187,232 15,527 SH   DFND   15,353 0 174
STRYKER CORPORATION COM 863667101   7,171,189 18,126 SH   DFND   17,945 0 181
TEXAS INSTRS INC COM 882508104   6,383,692 30,747 SH   DFND   30,236 0 511
THERMO FISHER SCIENTIFIC INC COM 883556102   4,676,170 11,533 SH   DFND   11,402 0 131
TJX COS INC NEW COM 872540109   12,135,486 98,271 SH   DFND   97,471 0 800
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   254,975 3,290 SH   DFND   3,290 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   371,454 4,520 SH   DFND   4,520 0 0
VISA INC COM CL A 92826C839   3,054,140 8,602 SH   DFND   8,602 0 0
WASTE MGMT INC DEL COM 94106L109   4,488,304 19,615 SH   DFND   19,355 0 260