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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AGNC INVESTMENT CORP Com 00123Q104 191 11,401 SH   SOLE 0 11,401 0 0
API Group Corp Com 00187Y100 414 20,000 SH   SOLE 0 20,000 0 0
AT&T INC Com 00206R102 570 18,815 SH   SOLE 0 18,815 0 0
AT&T INC Com 00206R102 61 2,000 SH   DFND 0 2,000 0 0
ABBVIE INC Com 00287Y109 4,717 43,591 SH   SOLE 0 43,591 0 0
ABBVIE INC Com 00287Y109 602 5,564 SH   DFND 0 5,564 0 0
ADOBE SYSTEMS INC Com 00724F101 1,066 2,242 SH   SOLE 0 2,242 0 0
ALEXION PHARMACEUTICALS INC COM Com 015351109 26 173 SH   SOLE 0 173 0 0
ALEXION PHARMACEUTICALS INC COM Com 015351109 278 1,818 SH   DFND 0 1,818 0 0
ALPHABET INC-CL C Com 02079K107 1,895 916 SH   SOLE 0 916 0 0
ALPHABET INC-CL A Com 02079K305 3,688 1,788 SH   SOLE 0 1,788 0 0
ALPHABET INC-CL A Com 02079K305 165 80 SH   DFND 0 80 0 0
ALTRIA GROUP INC Com 02209S103 439 8,590 SH   SOLE 0 8,590 0 0
ALTRIA GROUP INC Com 02209S103 99 1,935 SH   DFND 0 1,935 0 0
AMERIPRISE FINANCIAL INC Com 03076C106 864 3,716 SH   SOLE 0 3,716 0 0
AMERIPRISE FINANCIAL INC Com 03076C106 163 700 SH   DFND 0 700 0 0
Artisan Partners Asset Mgmt In Com 04316A108 785 15,050 SH   SOLE 0 15,050 0 0
AVALARA INC Com 05338G106 223 1,672 SH   SOLE 0 1,672 0 0
Bank of America Pfd Stk 060505EH3 55 50,000 SH   SOLE 0 50,000 0 0
Bank of America Pfd Stk 060505EH3 221 200,000 SH   DFND 0 200,000 0 0
Bank Amer Corp Pfd Stk 060505EU4 115 100,000 SH   DFND 0 100,000 0 0
BIOGEN INC Com 09062X103 255 911 SH   SOLE 0 911 0 0
BLACKROCK INC Com 09247X101 818 1,085 SH   SOLE 0 1,085 0 0
BLACKROCK INC Com 09247X101 22 29 SH   DFND 0 29 0 0
BLACKSTONE GROUP INC CL A Com 09260D107 104 1,402 SH   SOLE 0 1,402 0 0
BLACKSTONE GROUP INC CL A Com 09260D107 108 1,450 SH   DFND 0 1,450 0 0
Bottomline Tech Del Inc Com 101388106 634 14,000 SH   SOLE 0 14,000 0 0
Brightview Hldgs Inc Com 10948C107 455 27,000 SH   SOLE 0 27,000 0 0
BRISTOL-MYERS SQUIBB CO Com 110122108 666 10,542 SH   SOLE 0 10,542 0 0
BRISTOL-MYERS SQUIBB CO Com 110122108 572 9,055 SH   DFND 0 9,055 0 0
BROADCOM INC Com 11135F101 337 727 SH   SOLE 0 727 0 0
CF INDUSTRIES HOLDINGS INC Com 125269100 425 9,376 SH   SOLE 0 9,376 0 0
CF INDUSTRIES HOLDINGS INC Com 125269100 145 3,190 SH   DFND 0 3,190 0 0
CVS HEALTH CORP Com 126650100 1,174 15,610 SH   SOLE 0 15,610 0 0
CVS HEALTH CORP Com 126650100 118 1,575 SH   DFND 0 1,575 0 0
CAPITAL ONE FINANCIAL CORP Com 14040H105 765 6,011 SH   SOLE 0 6,011 0 0
CAPITAL ONE FINANCIAL CORP Com 14040H105 127 1,000 SH   DFND 0 1,000 0 0
Carlisle Cos Inc Com 142339100 934 5,675 SH   SOLE 0 5,675 0 0
CARRIER GLOBAL CORPORATION Com 14448C104 1,123 26,590 SH   SOLE 0 26,590 0 0
CARRIER GLOBAL CORPORATION Com 14448C104 37 870 SH   DFND 0 870 0 0
CATALENT INC Com 148806102 617 5,856 SH   SOLE 0 5,856 0 0
CATERPILLAR INC Com 149123101 699 3,015 SH   SOLE 0 3,015 0 0
CATERPILLAR INC Com 149123101 121 520 SH   DFND 0 520 0 0
Cerence Inc Com 156727109 667 7,450 SH   SOLE 0 7,450 0 0
CHEVRON CORP Com 166764100 3,437 32,802 SH   SOLE 0 32,802 0 0
CHEVRON CORP Com 166764100 236 2,255 SH   DFND 0 2,255 0 0
CISCO SYSTEMS INC Com 17275R102 2,235 43,218 SH   SOLE 0 43,218 0 0
CISCO SYSTEMS INC Com 17275R102 259 5,000 SH   DFND 0 5,000 0 0
CITIGROUP INC Com 172967424 660 9,075 SH   SOLE 0 9,075 0 0
CITIGROUP INC Com 172967424 12 165 SH   DFND 0 165 0 0
CLOROX COMPANY Com 189054109 523 2,710 SH   SOLE 0 2,710 0 0
COCA-COLA CO/THE Com 191216100 6,155 116,773 SH   SOLE 0 116,773 0 0
COCA-COLA CO/THE Com 191216100 37 696 SH   DFND 0 696 0 0
COGNIZANT TECH SOLUTIONS-A Com 192446102 40 506 SH   SOLE 0 506 0 0
COGNIZANT TECH SOLUTIONS-A Com 192446102 312 4,000 SH   DFND 0 4,000 0 0
COMCAST CORP-CLASS A Com 20030N101 412 7,605 SH   SOLE 0 7,605 0 0
COMCAST CORP-CLASS A Com 20030N101 37 676 SH   DFND 0 676 0 0
Compass Minerals Intl Inc Com 20451N101 552 8,800 SH   SOLE 0 8,800 0 0
CONOCOPHILLIPS Com 20825C104 652 12,305 SH   SOLE 0 12,305 0 0
CONOCOPHILLIPS Com 20825C104 99 1,875 SH   DFND 0 1,875 0 0
COSTCO WHOLESALE CORP Com 22160K105 4,046 11,479 SH   SOLE 0 11,479 0 0
CUMMINS INC Com 231021106 2,741 10,580 SH   SOLE 0 10,580 0 0
CUMMINS INC Com 231021106 117 450 SH   DFND 0 450 0 0
DTE ENERGY COMPANY Com 233331107 457 3,436 SH   SOLE 0 3,436 0 0
DTE ENERGY COMPANY Com 233331107 120 900 SH   DFND 0 900 0 0
DANAHER CORP Com 235851102 1,204 5,348 SH   SOLE 0 5,348 0 0
DANAHER CORP Com 235851102 334 1,482 SH   DFND 0 1,482 0 0
DEERE & CO Com 244199105 249 665 SH   SOLE 0 665 0 0
WALT DISNEY CO/THE Com 254687106 4,535 24,576 SH   SOLE 0 24,576 0 0
WALT DISNEY CO/THE Com 254687106 200 1,085 SH   DFND 0 1,085 0 0
Douglas Dynamics Inc Com 25960R105 581 12,600 SH   SOLE 0 12,600 0 0
DOW INC COM Com 260557103 174 2,728 SH   SOLE 0 2,728 0 0
DOW INC COM Com 260557103 29 447 SH   DFND 0 447 0 0
Duke Realty Corp Com 264411505 295 7,037 SH   SOLE 0 7,037 0 0
ETFMG PRIME CYBER SECURITY ETF Com 26924G201 441 8,040 SH   SOLE 0 8,040 0 0
ECOLAB INC Com 278865100 1,471 6,873 SH   SOLE 0 6,873 0 0
EMERSON ELECTRIC CO Com 291011104 903 10,012 SH   SOLE 0 10,012 0 0
EMERSON ELECTRIC CO Com 291011104 219 2,430 SH   DFND 0 2,430 0 0
ENBRIDGE INC Com 29250N105 2,142 58,844 SH   SOLE 0 58,844 0 0
ENBRIDGE INC Com 29250N105 206 5,663 SH   DFND 0 5,663 0 0
EVERCORE PARTNERS INC-CL A Com 29977A105 705 5,350 SH   SOLE 0 5,350 0 0
Exlservice Holdings Inc Com 302081104 460 5,100 SH   SOLE 0 5,100 0 0
EXXON MOBIL CORP Com 30231G102 2,045 36,626 SH   SOLE 0 36,626 0 0
EXXON MOBIL CORP Com 30231G102 654 11,710 SH   DFND 0 11,710 0 0
FACEBOOK INC-A Com 30303M102 1,134 3,849 SH   SOLE 0 3,849 0 0
FACEBOOK INC-A Com 30303M102 208 706 SH   DFND 0 706 0 0
FEDEX CORP Com 31428X106 919 3,236 SH   SOLE 0 3,236 0 0
FEDEX CORP Com 31428X106 517 1,820 SH   DFND 0 1,820 0 0
FIRST TRUST LOW DURATION OPPORTUNITIES ETF Com 33739Q200 517 10,130 SH   SOLE 0 10,130 0 0
FISERV INC Com 337738108 1,325 11,134 SH   SOLE 0 11,134 0 0
FISERV INC Com 337738108 149 1,250 SH   DFND 0 1,250 0 0
FORD MOTOR CO Com 345370860 316 25,800 SH   SOLE 0 25,800 0 0
FRANKLIN CALIF TAX FREE INCOME Com 352518104 1,205 156,526 SH   SOLE 0 156,526 0 0
Frontdoor Inc Com 35905A109 535 9,950 SH   SOLE 0 9,950 0 0
GENERAL DYNAMICS CORP Com 369550108 262 1,444 SH   SOLE 0 1,444 0 0
GENERAL MILLS INC Com 370334104 418 6,812 SH   SOLE 0 6,812 0 0
GENERAL MILLS INC Com 370334104 69 1,120 SH   DFND 0 1,120 0 0
GENERAL MOTORS CO Com 37045V100 1,343 23,375 SH   SOLE 0 23,375 0 0
Gentex Corp Com 371901109 357 10,000 SH   SOLE 0 10,000 0 0
GILEAD SCIENCES INC Com 375558103 399 6,175 SH   SOLE 0 6,175 0 0
GILEAD SCIENCES INC Com 375558103 16 250 SH   DFND 0 250 0 0
GLOBAL X S&P 500 CATHOLIC VALUES ETF Com 37954Y889 287 5,800 SH   SOLE 0 5,800 0 0
GOLDMAN SACHS GROUP INC Com 38141G104 765 2,338 SH   SOLE 0 2,338 0 0
GOLDMAN ACTIVEBETA US LC ETF Com 381430503 756 9,555 SH   SOLE 0 9,555 0 0
WW GRAINGER INC Com 384802104 705 1,759 SH   DFND 0 1,759 0 0
HP INC Com 40434L105 540 16,997 SH   SOLE 0 16,997 0 0
HP INC Com 40434L105 213 6,700 SH   DFND 0 6,700 0 0
Hillenbrand Inc Com 431571108 740 15,500 SH   SOLE 0 15,500 0 0
HOME DEPOT INC Com 437076102 953 3,121 SH   SOLE 0 3,121 0 0
HOME DEPOT INC Com 437076102 545 1,785 SH   DFND 0 1,785 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 1,231 5,673 SH   SOLE 0 5,673 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 38 174 SH   DFND 0 174 0 0
Hostess Brands Inc Com 44109J106 409 28,500 SH   SOLE 0 28,500 0 0
ILLINOIS TOOL WORKS Com 452308109 1,033 4,664 SH   SOLE 0 4,664 0 0
Inovalon Hldgs Inc Com 45781D101 717 24,900 SH   SOLE 0 24,900 0 0
INTEL CORP Com 458140100 2,436 38,067 SH   SOLE 0 38,067 0 0
INTEL CORP Com 458140100 526 8,224 SH   DFND 0 8,224 0 0
INTL BUSINESS MACHINES CORP Com 459200101 1,272 9,547 SH   SOLE 0 9,547 0 0
INTL BUSINESS MACHINES CORP Com 459200101 344 2,585 SH   DFND 0 2,585 0 0
INVESCO QQQ TRUST Com 46090E103 8,418 26,377 SH   SOLE 0 26,377 0 0
INVESCO S&P SMALLCAP HEALTH CARE ETF Com 46138E149 1,568 8,522 SH   SOLE 0 8,522 0 0
INVESCO S&P SMALLCAP HEALTH CARE ETF Com 46138E149 29 160 SH   DFND 0 160 0 0
ISHARES GOLD TRUST ISHARES Com 464285105 1,857 114,222 SH   SOLE 0 114,222 0 0
ISHARES GOLD TRUST ISHARES Com 464285105 114 7,000 SH   DFND 0 7,000 0 0
ISHARES CORE S&P US STOCK MARKET ETF Com 464287150 2,879 31,435 SH   SOLE 0 31,435 0 0
ISHARES DJ SELECT DIVIDEND ETF Com 464287168 663 5,807 SH   SOLE 0 5,807 0 0
ISHARES DJ SELECT DIVIDEND ETF Com 464287168 25 220 SH   DFND 0 220 0 0
ISHARES CORE S&P 500 ETF Com 464287200 5,166 12,986 SH   SOLE 0 12,986 0 0
ISHARES MSCI EMERGING MKT ETF Com 464287234 1,044 19,567 SH   SOLE 0 19,567 0 0
ISHARES MSCI EMERGING MKT ETF Com 464287234 76 1,424 SH   DFND 0 1,424 0 0
ISHARES S&P GLOBAL TECHNOLOGY SECTOR Com 464287291 2,446 7,949 SH   SOLE 0 7,949 0 0
ISHARES S&P 500 GROWTH ETF Com 464287309 1,122 17,232 SH   SOLE 0 17,232 0 0
ISHARES S&P 500 VALUE ETF Com 464287408 607 4,300 SH   SOLE 0 4,300 0 0
ISHARES MSCI EAFE ETF Com 464287465 2,380 31,366 SH   SOLE 0 31,366 0 0
ISHARES RUSSELL MIDCAP VALUE ETF Com 464287473 387 3,543 SH   SOLE 0 3,543 0 0
ISHARES RUSSELL MIDCAP ETF Com 464287499 1,502 20,311 SH   SOLE 0 20,311 0 0
ISHARES CORE S&P MID-CAP ETF Com 464287507 11,365 43,665 SH   SOLE 0 43,665 0 0
ISHARES CORE S&P MID-CAP ETF Com 464287507 215 825 SH   DFND 0 825 0 0
ISHARES EXPANDED TECH- SOFTWARE SECTOR ETF Com 464287515 206 603 SH   SOLE 0 603 0 0
ISHARES RUSSELL 1000 VALUE ETF Com 464287598 10,654 70,299 SH   SOLE 0 70,299 0 0
ISHARES RUSSELL 1000 VALUE ETF Com 464287598 150 989 SH   DFND 0 989 0 0
ISHARES S&P MIDCAP 400/GRWTH ETF Com 464287606 859 10,964 SH   SOLE 0 10,964 0 0
ISHARES RUSSELL 1000 GROWTH ETF Com 464287614 29,592 121,757 SH   SOLE 0 121,757 0 0
ISHARES RUSSELL 1000 GROWTH ETF Com 464287614 416 1,710 SH   DFND 0 1,710 0 0
ISHARES RUSSELL 1000 ETF Com 464287622 1,890 8,443 SH   SOLE 0 8,443 0 0
ISHARES RUSSELL 2000 VALUE ETF Com 464287630 306 1,918 SH   SOLE 0 1,918 0 0
ISHARES RUSSELL 2000 GROWTH ETF Com 464287648 5,775 19,203 SH   SOLE 0 19,203 0 0
ISHARES RUSSELL 2000 GROWTH ETF Com 464287648 53 175 SH   DFND 0 175 0 0
ISHARES RUSSELL 2000 ETF Com 464287655 6,578 29,775 SH   SOLE 0 29,775 0 0
ISHARES RUSSELL 2000 ETF Com 464287655 13 59 SH   DFND 0 59 0 0
ISHARES S&P MIDCAP 400/VALUE ETF Com 464287705 640 6,276 SH   SOLE 0 6,276 0 0
ISHARES DJ US TECHNOLOGY SEC ETF Com 464287721 2,920 33,290 SH   SOLE 0 33,290 0 0
ISHARES DJ US TECHNOLOGY SEC ETF Com 464287721 79 896 SH   DFND 0 896 0 0
ISHARES CORE S&P SMALL-CAP ETF Com 464287804 6,533 60,199 SH   SOLE 0 60,199 0 0
ISHARES CORE S&P SMALL-CAP ETF Com 464287804 640 5,900 SH   DFND 0 5,900 0 0
ISHARES S&P SMALLCAP 600/VAL ETF Com 464287879 363 3,600 SH   SOLE 0 3,600 0 0
ISHARES S&P SMALLCAP/600 GROWTH ETF Com 464287887 821 6,400 SH   SOLE 0 6,400 0 0
ISHARES TR GL CLEAN ENERGY ETF Com 464288224 1,894 77,951 SH   SOLE 0 77,951 0 0
ISHARES MSCI ACWI ETF Com 464288257 902 9,485 SH   SOLE 0 9,485 0 0
ISHARES MSCI EAFE SMALL CAP ETF Com 464288273 231 3,219 SH   SOLE 0 3,219 0 0
ISHARES MSCI EAFE SMALL CAP ETF Com 464288273 63 876 SH   DFND 0 876 0 0
ISHARES JPMORGAN USD EMERGING MKTS BOND ETF Com 464288281 1,047 9,617 SH   SOLE 0 9,617 0 0
ISHARES SHORT-TERM CORPORATE BOND ETF Com 464288646 384 7,014 SH   SOLE 0 7,014 0 0
ISHARES S&P PREF STK ETF Com 464288687 6,566 170,985 SH   SOLE 0 170,985 0 0
ISHARES DJ US MEDICAL DEVICE ETF Com 464288810 2,014 6,097 SH   SOLE 0 6,097 0 0
ISHARES TR EAFE GROWTH ETF Com 464288885 325 3,233 SH   SOLE 0 3,233 0 0
ISHARES CORE US TREASURY BOND ETF Com 46429B267 15,192 580,070 SH   SOLE 0 580,070 0 0
ISHARES CORE US TREASURY BOND ETF Com 46429B267 300 11,440 SH   DFND 0 11,440 0 0
ISHARES TR MIN VOL USA ETF Com 46429B697 9,881 142,810 SH   SOLE 0 142,810 0 0
ISHARES TR MIN VOL USA ETF Com 46429B697 281 4,060 SH   DFND 0 4,060 0 0
ISHARES SHORT MATURITY BOND ETF Com 46431W507 10,897 217,112 SH   SOLE 0 217,112 0 0
ISHARES SHORT MATURITY BOND ETF Com 46431W507 33 650 SH   DFND 0 650 0 0
ISHARES EDGE MSCI USA QUALITY Com 46432F339 7,946 65,249 SH   SOLE 0 65,249 0 0
ISHARES EDGE MSCI USA VALUE FACTOR ETF Com 46432F388 2,656 25,923 SH   SOLE 0 25,923 0 0
ISHARES EDGE MSCI USA VALUE FACTOR ETF Com 46432F388 85 830 SH   DFND 0 830 0 0
ISHARES EDGE MSCI USA MOMENT Com 46432F396 310 1,928 SH   SOLE 0 1,928 0 0
ISHARES CORE MSCI EAFE ETF Com 46432F842 6,618 91,857 SH   SOLE 0 91,857 0 0
ISHARES CORE MSCI EAFE ETF Com 46432F842 1,134 15,739 SH   DFND 0 15,739 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF Com 46434G103 1,405 21,828 SH   SOLE 0 21,828 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF Com 46434G103 686 10,658 SH   DFND 0 10,658 0 0
ISHARES MSCI EM ESG OPTIMIZED Com 46434G863 1,590 36,721 SH   SOLE 0 36,721 0 0
ISHARES 0-5 YEAR HIGH YIELD CORP BOND ETF Com 46434V407 4,220 92,126 SH   SOLE 0 92,126 0 0
ISHARES CORE TOTAL USD BOND MARKET ETF Com 46434V613 934 17,708 SH   SOLE 0 17,708 0 0
ISHA CURR HEDGED MSCI EAFE Com 46434V803 516 15,663 SH   SOLE 0 15,663 0 0
ISHARES MSCI USA ESG OPTIMIZED ETF Com 46435G425 5,090 56,012 SH   SOLE 0 56,012 0 0
ISHARES FALLEN ANGELS USD BOND ETF Com 46435G474 925 31,640 SH   SOLE 0 31,640 0 0
ISHARES MSCI EAFE ESG SELECT ETF Com 46435G516 519 6,834 SH   SOLE 0 6,834 0 0
ISHARES MSCI USA SMALL-CAP ESG OPTIMIZED ETF Com 46435U663 606 15,716 SH   SOLE 0 15,716 0 0
JPMORGAN CHASE & CO Com 46625H100 5,337 35,060 SH   SOLE 0 35,060 0 0
JPMORGAN CHASE & CO Com 46625H100 376 2,470 SH   DFND 0 2,470 0 0
JPMorgan Chase & Co Pfd Stk 46625HJQ4 55 50,000 SH   SOLE 0 50,000 0 0
JPMorgan Chase & Co Pfd Stk 46625HJQ4 219 200,000 SH   DFND 0 200,000 0 0
JPMorgan Chase & Co Pfd Stk 46625HKK5 70 70,000 SH   SOLE 0 70,000 0 0
JACOBS ENGR GROUP INC Com 469814107 660 5,103 SH   SOLE 0 5,103 0 0
JOHNSON & JOHNSON Com 478160104 2,577 15,679 SH   SOLE 0 15,679 0 0
JOHNSON & JOHNSON Com 478160104 1,482 9,015 SH   DFND 0 9,015 0 0
KIMBERLY-CLARK CORP Com 494368103 952 6,845 SH   SOLE 0 6,845 0 0
KIMBERLY-CLARK CORP Com 494368103 268 1,928 SH   DFND 0 1,928 0 0
Knowles Corp Com 49926D109 460 22,000 SH   SOLE 0 22,000 0 0
LKQ CORPORATION Com 501889208 498 11,759 SH   SOLE 0 11,759 0 0
LKQ CORPORATION Com 501889208 123 2,900 SH   DFND 0 2,900 0 0
Lendingtree Inc New Com 52603B107 245 1,150 SH   SOLE 0 1,150 0 0
ELI LILLY & CO Com 532457108 2,395 12,820 SH   SOLE 0 12,820 0 0
LOWE'S COS INC Com 548661107 714 3,754 SH   SOLE 0 3,754 0 0
LOWE'S COS INC Com 548661107 202 1,060 SH   DFND 0 1,060 0 0
MASTERCARD INC-CLASS A Com 57636Q104 885 2,487 SH   SOLE 0 2,487 0 0
MASTERCARD INC-CLASS A Com 57636Q104 167 470 SH   DFND 0 470 0 0
MCDONALD'S CORP Com 580135101 1,382 6,165 SH   SOLE 0 6,165 0 0
MCKESSON CORP Com 58155Q103 558 2,860 SH   SOLE 0 2,860 0 0
MCKESSON CORP Com 58155Q103 156 800 SH   DFND 0 800 0 0
MERCK & CO. INC. Com 58933Y105 806 10,459 SH   SOLE 0 10,459 0 0
MERCK & CO. INC. Com 58933Y105 660 8,560 SH   DFND 0 8,560 0 0
Metlife Inc Pfd Pfd Stk 59156RBP2 14 14,000 SH   SOLE 0 14,000 0 0
MICROSOFT CORP Com 594918104 8,773 37,211 SH   SOLE 0 37,211 0 0
MICROSOFT CORP Com 594918104 2,675 11,345 SH   DFND 0 11,345 0 0
MICRON TECHNOLOGY INC Com 595112103 507 5,742 SH   SOLE 0 5,742 0 0
MONDELEZ INTERNATIONAL INC-A Com 609207105 369 6,302 SH   SOLE 0 6,302 0 0
MONDELEZ INTERNATIONAL INC-A Com 609207105 135 2,310 SH   DFND 0 2,310 0 0
MOTOROLA SOLUTIONS INC Com 620076307 219 1,162 SH   DFND 0 1,162 0 0
NASDAQ INC Com 631103108 1,220 8,276 SH   SOLE 0 8,276 0 0
NETFLIX INC Com 64110L106 294 563 SH   SOLE 0 563 0 0
NEXTERA ENERGY INC Com 65339F101 2,467 32,624 SH   SOLE 0 32,624 0 0
NEXTERA ENERGY INC Com 65339F101 31 408 SH   DFND 0 408 0 0
NIKE INC -CL B Com 654106103 2,729 20,535 SH   SOLE 0 20,535 0 0
NORFOLK SOUTHERN CORP Com 655844108 139 518 SH   SOLE 0 518 0 0
NORFOLK SOUTHERN CORP Com 655844108 83 310 SH   DFND 0 310 0 0
NOVARTIS AG-SPONSORED ADR Com 66987V109 378 4,423 SH   SOLE 0 4,423 0 0
NOVARTIS AG-SPONSORED ADR Com 66987V109 32 380 SH   DFND 0 380 0 0
NVIDIA CORP Com 67066G104 6,227 11,663 SH   SOLE 0 11,663 0 0
NVIDIA CORP Com 67066G104 309 579 SH   DFND 0 579 0 0
ORACLE CORP Com 68389X105 1,105 15,746 SH   SOLE 0 15,746 0 0
ORACLE CORP Com 68389X105 8 115 SH   DFND 0 115 0 0
PNC FINANCIAL SERVICES GROUP Com 693475105 188 1,070 SH   SOLE 0 1,070 0 0
PNC FINANCIAL SERVICES GROUP Com 693475105 74 420 SH   DFND 0 420 0 0
PALO ALTO NETWORKS INC Com 697435105 463 1,437 SH   SOLE 0 1,437 0 0
PAYPAL HOLDINGS INC Com 70450Y103 3,530 14,535 SH   SOLE 0 14,535 0 0
PEPSICO INC Com 713448108 1,282 9,062 SH   SOLE 0 9,062 0 0
PEPSICO INC Com 713448108 836 5,913 SH   DFND 0 5,913 0 0
PFIZER INC Com 717081103 2,153 59,421 SH   SOLE 0 59,421 0 0
PFIZER INC Com 717081103 392 10,831 SH   DFND 0 10,831 0 0
PHILIP MORRIS INTERNATIONAL Com 718172109 1,645 18,533 SH   SOLE 0 18,533 0 0
PHILIP MORRIS INTERNATIONAL Com 718172109 176 1,985 SH   DFND 0 1,985 0 0
PIMCO 15 YEAR US TIPS INDEX FUND Com 72201R304 422 5,225 SH   SOLE 0 5,225 0 0
PROCTER & GAMBLE CO/THE Com 742718109 2,495 18,422 SH   SOLE 0 18,422 0 0
PROCTER & GAMBLE CO/THE Com 742718109 632 4,664 SH   DFND 0 4,664 0 0
PUBLIC SERVICE ENTERPRISE GP Com 744573106 503 8,351 SH   SOLE 0 8,351 0 0
PUBLIC SERVICE ENTERPRISE GP Com 744573106 151 2,516 SH   DFND 0 2,516 0 0
QUALCOMM INC Com 747525103 775 5,845 SH   SOLE 0 5,845 0 0
QUALCOMM INC Com 747525103 72 543 SH   DFND 0 543 0 0
Quotient Technology Inc Com 749119103 418 25,600 SH   SOLE 0 25,600 0 0
ROPER TECHNOLOGIES INC Com 776696106 446 1,106 SH   SOLE 0 1,106 0 0
ROPER TECHNOLOGIES INC Com 776696106 133 330 SH   DFND 0 330 0 0
ROYCE PENNSYLVANIA MUTUAL FUND Com 780905840 323 27,773 SH   SOLE 0 27,773 0 0
SPDR S&P 500 ETF TRUST Com 78462F103 10,988 27,724 SH   SOLE 0 27,724 0 0
SPDR S&P 500 ETF TRUST Com 78462F103 70 177 SH   DFND 0 177 0 0
SPDR GOLD TRUST Com 78463V107 1,137 7,111 SH   SOLE 0 7,111 0 0
SPDR MSCI ACWI EX-US Com 78463X848 8,493 293,791 SH   SOLE 0 293,791 0 0
SPDR BBG BARC CONVERTIBLE Com 78464A359 11,472 137,637 SH   SOLE 0 137,637 0 0
SPDR BBG BARC CONVERTIBLE Com 78464A359 450 5,400 SH   DFND 0 5,400 0 0
KBW BANK ETF Com 78464A797 412 7,950 SH   SOLE 0 7,950 0 0
KBW BANK ETF Com 78464A797 28 540 SH   DFND 0 540 0 0
SPDR S&P BIOTECH ETF Com 78464A870 935 6,894 SH   SOLE 0 6,894 0 0
SPDR S&P MIDCAP 400 ETF TRUST Com 78467Y107 1,372 2,883 SH   SOLE 0 2,883 0 0
Sp Plus Corp Com 78469C103 348 10,600 SH   SOLE 0 10,600 0 0
SVB FINANCIAL GROUP Com 78486Q101 950 1,924 SH   SOLE 0 1,924 0 0
The Charles Schwab Corporation Pfd Stk 808513AP0 61 60,000 SH   SOLE 0 60,000 0 0
MATERIALS SELECT SPDR FUND Com 81369Y100 3,325 42,195 SH   SOLE 0 42,195 0 0
HEALTH CARE SELECT SECTOR SPDR Com 81369Y209 1,721 14,739 SH   SOLE 0 14,739 0 0
HEALTH CARE SELECT SECTOR SPDR Com 81369Y209 76 650 SH   DFND 0 650 0 0
CONSUMER STAPLES SELECT SECTOR SPDR Com 81369Y308 696 10,183 SH   SOLE 0 10,183 0 0
CONSUMER DISCRETIONARY SELT Com 81369Y407 1,516 9,021 SH   SOLE 0 9,021 0 0
TECHNOLOGY SELECT SECT SPDR Com 81369Y803 1,022 7,696 SH   SOLE 0 7,696 0 0
UTILITIES SELECT SECTOR SPDR Com 81369Y886 2,325 36,310 SH   SOLE 0 36,310 0 0
UTILITIES SELECT SECTOR SPDR Com 81369Y886 18 280 SH   DFND 0 280 0 0
Shutterstock Inc Com 825690100 1,077 12,100 SH   SOLE 0 12,100 0 0
SOUTHERN CO/THE Com 842587107 434 6,988 SH   SOLE 0 6,988 0 0
SOUTHERN CO/THE Com 842587107 127 2,038 SH   DFND 0 2,038 0 0
STANLEY BLACK & DECKER INC Com 854502101 361 1,806 SH   SOLE 0 1,806 0 0
STANLEY BLACK & DECKER INC Com 854502101 142 710 SH   DFND 0 710 0 0
STARBUCKS CORP Com 855244109 464 4,244 SH   SOLE 0 4,244 0 0
STERICYCLE INC Com 858912108 564 8,350 SH   SOLE 0 8,350 0 0
Alta Properties, Inc. Com 863012544 182 24,544 SH   SOLE 0 24,544 0 0
STRYKER CORP Com 863667101 652 2,675 SH   SOLE 0 2,675 0 0
STRYKER CORP Com 863667101 104 425 SH   DFND 0 425 0 0
TJX COMPANIES INC Com 872540109 321 4,860 SH   SOLE 0 4,860 0 0
Terminix Global Holdings Inc Com 88087E100 405 8,500 SH   SOLE 0 8,500 0 0
TEXAS INSTRUMENTS INC Com 882508104 292 1,547 SH   SOLE 0 1,547 0 0
TEXAS INSTRUMENTS INC Com 882508104 132 700 SH   DFND 0 700 0 0
Texas Pacific Land Corporation Com 88262P102 7,701 4,845 SH   SOLE 0 4,845 0 0
THERMO FISHER SCIENTIFIC INC Com 883556102 2,842 6,227 SH   SOLE 0 6,227 0 0
THERMO FISHER SCIENTIFIC INC Com 883556102 257 564 SH   DFND 0 564 0 0
3M CO Com 88579Y101 3,721 19,311 SH   SOLE 0 19,311 0 0
3M CO Com 88579Y101 611 3,170 SH   DFND 0 3,170 0 0
TOYOTA MOTOR CORP -SPON ADR Com 892331307 402 2,575 SH   SOLE 0 2,575 0 0
TRUIST FINANCIAL CORPORATION Com 89832Q109 480 8,236 SH   SOLE 0 8,236 0 0
TYSON FOODS INC-CL A Com 902494103 68 917 SH   SOLE 0 917 0 0
TYSON FOODS INC-CL A Com 902494103 140 1,885 SH   DFND 0 1,885 0 0
US BANCORP Com 902973304 337 6,101 SH   SOLE 0 6,101 0 0
US BANCORP Com 902973304 45 820 SH   DFND 0 820 0 0
UNION PACIFIC CORP Com 907818108 1,339 6,073 SH   SOLE 0 6,073 0 0
UNION PACIFIC CORP Com 907818108 650 2,949 SH   DFND 0 2,949 0 0
UNITED PARCEL SERVICE-CL B Com 911312106 469 2,758 SH   SOLE 0 2,758 0 0
UNITEDHEALTH GROUP INC Com 91324P102 614 1,649 SH   SOLE 0 1,649 0 0
UNITEDHEALTH GROUP INC Com 91324P102 30 80 SH   DFND 0 80 0 0
VALERO ENERGY CORP Com 91913Y100 628 8,777 SH   SOLE 0 8,777 0 0
VALERO ENERGY CORP Com 91913Y100 142 1,982 SH   DFND 0 1,982 0 0
VANGUARD DIVIDEND APPREC ETF Com 921908844 4,257 28,943 SH   SOLE 0 28,943 0 0
VANGUARD DIVIDEND APPREC ETF Com 921908844 22 150 SH   DFND 0 150 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF Com 921943858 311 6,333 SH   SOLE 0 6,333 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF Com 921943858 167 3,400 SH   DFND 0 3,400 0 0
VANGUARD HIGH DVD YIELD ETF Com 921946406 433 4,283 SH   SOLE 0 4,283 0 0
VANGUARD HIGH DVD YIELD ETF Com 921946406 168 1,657 SH   DFND 0 1,657 0 0
VANGUARD INTL DIVIDEND APPRECIATION ETF Com 921946810 10,743 129,705 SH   SOLE 0 129,705 0 0
VANGUARD FTSE ALL-WORLD EX-US Com 922042775 1,698 27,975 SH   SOLE 0 27,975 0 0
VANGUARD FTSE EMERGING MARKETS ETF Com 922042858 194 3,734 SH   SOLE 0 3,734 0 0
VANGUARD FTSE EMERGING MARKETS ETF Com 922042858 341 6,552 SH   DFND 0 6,552 0 0
VANGUARD INTL EQUITY INDEX PACIFIC ETF Com 922042866 219 2,681 SH   SOLE 0 2,681 0 0
VANGUARD SHORT TERM GOVERNMENT BOND ETF Com 92206C102 3,470 56,400 SH   SOLE 0 56,400 0 0
VANGUARD SHORT-TERM CORP BO Com 92206C409 7,475 90,609 SH   SOLE 0 90,609 0 0
VANGUARD SHORT-TERM CORP BO Com 92206C409 120 1,450 SH   DFND 0 1,450 0 0
VANGUARD S&P 500 ETF Com 922908363 952 2,614 SH   SOLE 0 2,614 0 0
VANGUARD REAL ESTATE ETF Com 922908553 833 9,068 SH   SOLE 0 9,068 0 0
VANGUARD REAL ESTATE ETF Com 922908553 89 971 SH   DFND 0 971 0 0
VANGUARD IND FD MID-CAP Com 922908629 472 2,134 SH   SOLE 0 2,134 0 0
VANGUARD EXTENDED MARKET ETF Com 922908652 225 1,273 SH   SOLE 0 1,273 0 0
VANGUARD SMALL-CAP ETF Com 922908751 305 1,424 SH   SOLE 0 1,424 0 0
VERIZON COMMUNICATIONS INC Com 92343V104 4,228 72,715 SH   SOLE 0 72,715 0 0
VERIZON COMMUNICATIONS INC Com 92343V104 197 3,392 SH   DFND 0 3,392 0 0
VERINT SYSTEMS INC Com 92343X100 296 6,500 SH   SOLE 0 6,500 0 0
VISA INC-CLASS A SHARES Com 92826C839 2,477 11,697 SH   SOLE 0 11,697 0 0
WALMART INC Com 931142103 1,342 9,880 SH   SOLE 0 9,880 0 0
WALMART INC Com 931142103 336 2,470 SH   DFND 0 2,470 0 0
WALGREENS BOOTS ALLIANCE INC Com 931427108 715 13,015 SH   SOLE 0 13,015 0 0
WASTE MGMT INC Com 94106L109 523 4,055 SH   SOLE 0 4,055 0 0
WELLS FARGO & CO Com 949746101 471 12,050 SH   SOLE 0 12,050 0 0
Willscot Mobil Mini Hldng Corp Com 971378104 477 17,195 SH   SOLE 0 17,195 0 0
WISDOMTREE EMERGING MARKETS Com 97717W315 823 18,542 SH   SOLE 0 18,542 0 0
WISDOMTREE EMERGING MARKETS Com 97717W315 64 1,435 SH   DFND 0 1,435 0 0
WISDOM TREE SMALL CAP DIVIDEND Com 97717W604 369 11,840 SH   SOLE 0 11,840 0 0
WISDOMTREE EM EX-STATE-OWNED ENTERPRISES Com 97717X578 743 18,267 SH   SOLE 0 18,267 0 0
WISDOMTREE US QUALITY DIVID Com 97717X669 697 12,193 SH   SOLE 0 12,193 0 0
XILINX INC Com 983919101 251 2,024 SH   SOLE 0 2,024 0 0
ZOOM VIDEO COMMUNICATIONS INC Com 98980L101 268 835 SH   SOLE 0 835 0 0
ACCENTURE PLC-CL A Com G1151C101 1,126 4,075 SH   SOLE 0 4,075 0 0
ACCENTURE PLC-CL A Com G1151C101 146 527 SH   DFND 0 527 0 0
EATON CORP PLC Com G29183103 674 4,875 SH   SOLE 0 4,875 0 0
EATON CORP PLC Com G29183103 113 820 SH   DFND 0 820 0 0
JOHNSON CONTROLS INTERNATIONAL Com G51502105 2,925 49,025 SH   SOLE 0 49,025 0 0
JOHNSON CONTROLS INTERNATIONAL Com G51502105 105 1,754 SH   DFND 0 1,754 0 0
LINDE PLC COM Com G5494J103 182 651 SH   SOLE 0 651 0 0
LINDE PLC COM Com G5494J103 26 94 SH   DFND 0 94 0 0
MEDTRONIC PLC Com G5960L103 627 5,307 SH   SOLE 0 5,307 0 0
MEDTRONIC PLC Com G5960L103 18 156 SH   DFND 0 156 0 0
APTIV PLC Com G6095L109 124 900 SH   SOLE 0 900 0 0
APTIV PLC Com G6095L109 159 1,150 SH   DFND 0 1,150 0 0
TRANE TECHNOLOGIES PLC ADR Com G8994E103 2,969 17,933 SH   SOLE 0 17,933 0 0
TRANE TECHNOLOGIES PLC ADR Com G8994E103 17 101 SH   DFND 0 101 0 0
CHUBB LTD Com H1467J104 622 3,937 SH   SOLE 0 3,937 0 0