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
API GROUP CORP Com 00187Y100 515 20,000 SH   SOLE 0 20,000 0 0
AT&T INC Com 00206R102 395 16,068 SH   SOLE 0 16,068 0 0
AT&T INC Com 00206R102 97 3,940 SH   DFND 0 3,940 0 0
ARKK INNOVATION ETF Com 00214Q104 507 5,359 SH   SOLE 0 5,359 0 0
ARKK INNOVATION ETF Com 00214Q104 9 100 SH   DFND 0 100 0 0
ABBVIE INC Com 00287Y109 5,791 42,766 SH   SOLE 0 42,766 0 0
ABBVIE INC Com 00287Y109 1,080 7,980 SH   DFND 0 7,980 0 0
ADOBE SYSTEMS INC Com 00724F101 1,172 2,067 SH   SOLE 0 2,067 0 0
ADOBE SYSTEMS INC Com 00724F101 198 350 SH   DFND 0 350 0 0
ALPHABET INC-CL C Com 02079K107 2,940 1,016 SH   SOLE 0 1,016 0 0
ALPHABET INC-CL A Com 02079K305 4,835 1,669 SH   SOLE 0 1,669 0 0
ALPHABET INC-CL A Com 02079K305 550 190 SH   DFND 0 190 0 0
ALTRIA GROUP INC Com 02209S103 256 5,394 SH   SOLE 0 5,394 0 0
ALTRIA GROUP INC Com 02209S103 243 5,131 SH   DFND 0 5,131 0 0
AMERIPRISE FINANCIAL INC Com 03076C106 1,132 3,753 SH   SOLE 0 3,753 0 0
AMERIPRISE FINANCIAL INC Com 03076C106 211 700 SH   DFND 0 700 0 0
ANALOG DEVICES INC Com 032654105 239 1,359 SH   SOLE 0 1,359 0 0
ANALOG DEVICES INC Com 032654105 36 204 SH   DFND 0 204 0 0
ARTISAN PARTNERS ASSET MGMT IN Com 04316A108 717 15,050 SH   SOLE 0 15,050 0 0
ASTRAZENECA PLC ADR Com 046353108 21 367 SH   SOLE 0 367 0 0
ASTRAZENECA PLC ADR Com 046353108 233 3,997 SH   DFND 0 3,997 0 0
AVALARA INC Com 05338G106 216 1,672 SH   SOLE 0 1,672 0 0
Bank of America Pfd Stk 060505EH3 54 50,000 SH   SOLE 0 50,000 0 0
Bank of America Pfd Stk 060505EH3 215 200,000 SH   DFND 0 200,000 0 0
Bank Amer Corp Pfd Stk 060505EU4 113 100,000 SH   DFND 0 100,000 0 0
BLACKROCK INC Com 09247X101 1,154 1,260 SH   SOLE 0 1,260 0 0
BLACKROCK INC Com 09247X101 56 61 SH   DFND 0 61 0 0
BLACKSTONE INC Com 09260D107 248 1,913 SH   SOLE 0 1,913 0 0
BLACKSTONE INC Com 09260D107 188 1,450 SH   DFND 0 1,450 0 0
BOTTOMLINE TECH DEL INC Com 101388106 791 14,000 SH   SOLE 0 14,000 0 0
BRIGHTVIEW HLDGS INC Com 10948C107 380 27,000 SH   SOLE 0 27,000 0 0
BRISTOL-MYERS SQUIBB CO Com 110122108 727 11,668 SH   SOLE 0 11,668 0 0
BRISTOL-MYERS SQUIBB CO Com 110122108 579 9,288 SH   DFND 0 9,288 0 0
BROADCOM INC Com 11135F101 926 1,391 SH   SOLE 0 1,391 0 0
BROADCOM INC Com 11135F101 66 99 SH   DFND 0 99 0 0
CF INDUSTRIES HOLDINGS INC Com 125269100 552 7,800 SH   SOLE 0 7,800 0 0
CF INDUSTRIES HOLDINGS INC Com 125269100 226 3,190 SH   DFND 0 3,190 0 0
CVS HEALTH CORP Com 126650100 1,700 16,478 SH   SOLE 0 16,478 0 0
CVS HEALTH CORP Com 126650100 162 1,575 SH   DFND 0 1,575 0 0
CAPITAL ONE FINANCIAL CORP Com 14040H105 836 5,763 SH   SOLE 0 5,763 0 0
CAPITAL ONE FINANCIAL CORP Com 14040H105 160 1,100 SH   DFND 0 1,100 0 0
CARLISLE COS INC Com 142339100 1,395 5,622 SH   SOLE 0 0 0 5,622
CARRIER GLOBAL CORPORATION Com 14448C104 1,809 33,358 SH   SOLE 0 31,686 0 1,672
CARRIER GLOBAL CORPORATION Com 14448C104 47 870 SH   DFND 0 870 0 0
CATALENT INC Com 148806102 765 5,976 SH   SOLE 0 5,976 0 0
CATERPILLAR INC Com 149123101 639 3,091 SH   SOLE 0 3,091 0 0
CATERPILLAR INC Com 149123101 93 450 SH   DFND 0 450 0 0
CERENCE INC Com 156727109 571 7,450 SH   SOLE 0 7,450 0 0
CHEVRON CORP Com 166764100 3,478 29,642 SH   SOLE 0 27,899 0 1,743
CHEVRON CORP Com 166764100 438 3,730 SH   DFND 0 3,730 0 0
CISCO SYSTEMS INC Com 17275R102 2,661 41,993 SH   SOLE 0 41,993 0 0
CISCO SYSTEMS INC Com 17275R102 494 7,803 SH   DFND 0 7,803 0 0
CINTAS CORP Com 172908105 218 493 SH   SOLE 0 493 0 0
CITIGROUP INC Com 172967424 680 11,266 SH   SOLE 0 11,266 0 0
CITIGROUP INC Com 172967424 10 165 SH   DFND 0 165 0 0
CLOROX COMPANY Com 189054109 234 1,340 SH   SOLE 0 1,340 0 0
CLOROX COMPANY Com 189054109 122 700 SH   DFND 0 700 0 0
COCA-COLA CO/THE Com 191216100 7,159 120,907 SH   SOLE 0 120,907 0 0
COCA-COLA CO/THE Com 191216100 144 2,429 SH   DFND 0 2,429 0 0
COGNIZANT TECH SOLUTIONS-A Com 192446102 50 566 SH   SOLE 0 566 0 0
COGNIZANT TECH SOLUTIONS-A Com 192446102 355 4,000 SH   DFND 0 4,000 0 0
COMCAST CORP-CLASS A Com 20030N101 360 7,162 SH   SOLE 0 7,162 0 0
COMCAST CORP-CLASS A Com 20030N101 34 676 SH   DFND 0 676 0 0
COMPASS MINERALS INTL INC Com 20451N101 450 8,800 SH   SOLE 0 8,800 0 0
CONOCOPHILLIPS Com 20825C104 885 12,256 SH   SOLE 0 12,256 0 0
CONOCOPHILLIPS Com 20825C104 135 1,875 SH   DFND 0 1,875 0 0
CONSOLIDATED EDISON INC Com 209115104 204 2,395 SH   SOLE 0 2,395 0 0
COSTCO WHOLESALE CORP Com 22160K105 6,479 11,412 SH   SOLE 0 11,412 0 0
COSTCO WHOLESALE CORP Com 22160K105 415 731 SH   DFND 0 731 0 0
CUMMINS INC Com 231021106 1,168 5,355 SH   SOLE 0 5,355 0 0
CUMMINS INC Com 231021106 251 1,150 SH   DFND 0 1,150 0 0
DTE ENERGY COMPANY Com 233331107 393 3,286 SH   SOLE 0 3,286 0 0
DTE ENERGY COMPANY Com 233331107 108 900 SH   DFND 0 900 0 0
DANAHER CORP Com 235851102 1,861 5,656 SH   SOLE 0 5,656 0 0
DANAHER CORP Com 235851102 488 1,482 SH   DFND 0 1,482 0 0
DEERE & CO Com 244199105 228 665 SH   SOLE 0 665 0 0
WALT DISNEY CO/THE Com 254687106 3,076 19,860 SH   SOLE 0 19,860 0 0
WALT DISNEY CO/THE Com 254687106 331 2,135 SH   DFND 0 2,135 0 0
DOMINION RESOURCES INC/VA Com 25746U109 206 2,622 SH   SOLE 0 2,622 0 0
DOUGLAS DYNAMICS INC Com 25960R105 492 12,600 SH   SOLE 0 12,600 0 0
DOW INC COM Com 260557103 241 4,251 SH   SOLE 0 4,123 0 128
DOW INC COM Com 260557103 10 180 SH   DFND 0 180 0 0
DUKE REALTY CORP Com 264411505 455 6,935 SH   SOLE 0 6,935 0 0
ETFMG PRIME CYBER SECURITY ETF Com 26924G201 672 10,935 SH   SOLE 0 10,935 0 0
ECOLAB INC Com 278865100 1,781 7,592 SH   SOLE 0 7,592 0 0
EMERSON ELECTRIC CO Com 291011104 883 9,497 SH   SOLE 0 9,497 0 0
EMERSON ELECTRIC CO Com 291011104 336 3,617 SH   DFND 0 3,617 0 0
ENBRIDGE INC Com 29250N105 2,460 62,945 SH   SOLE 0 62,945 0 0
ENBRIDGE INC Com 29250N105 312 7,982 SH   DFND 0 7,982 0 0
EVERCORE PARTNERS INC-CL A Com 29977A105 727 5,350 SH   SOLE 0 5,350 0 0
EVERCORE PARTNERS INC-CL A Com 29977A105 14 106 SH   DFND 0 106 0 0
EXLSERVICE HOLDINGS INC Com 302081104 738 5,100 SH   SOLE 0 5,100 0 0
EXXON MOBIL CORP Com 30231G102 1,664 27,189 SH   SOLE 0 25,402 0 1,787
EXXON MOBIL CORP Com 30231G102 882 14,410 SH   DFND 0 14,410 0 0
META PLATFORMS INC Com 30303M102 1,395 4,148 SH   SOLE 0 4,148 0 0
META PLATFORMS INC Com 30303M102 237 706 SH   DFND 0 706 0 0
FEDEX CORP Com 31428X106 569 2,201 SH   SOLE 0 2,201 0 0
FEDEX CORP Com 31428X106 632 2,445 SH   DFND 0 2,445 0 0
FISERV INC Com 337738108 1,231 11,857 SH   SOLE 0 11,857 0 0
FISERV INC Com 337738108 26 250 SH   DFND 0 250 0 0
FORD MOTOR CO Com 345370860 536 25,800 SH   SOLE 0 25,800 0 0
FRANKLIN CALIF TAX FREE INCOME Com 352518104 1,213 156,526 SH   SOLE 0 156,526 0 0
FREEPORT-MCMORAN INC Com 35671D857 202 4,845 SH   SOLE 0 4,845 0 0
FRONTDOOR INC Com 35905A109 365 9,950 SH   SOLE 0 9,950 0 0
GENERAL DYNAMICS CORP Com 369550108 301 1,444 SH   SOLE 0 1,444 0 0
GENERAL MILLS INC Com 370334104 459 6,812 SH   SOLE 0 6,812 0 0
GENERAL MILLS INC Com 370334104 75 1,120 SH   DFND 0 1,120 0 0
GENERAL MOTORS CO Com 37045V100 1,646 28,075 SH   SOLE 0 28,075 0 0
GENTEX CORP Com 371901109 349 10,000 SH   SOLE 0 10,000 0 0
GILEAD SCIENCES INC Com 375558103 444 6,111 SH   SOLE 0 6,111 0 0
GILEAD SCIENCES INC Com 375558103 30 415 SH   DFND 0 415 0 0
GLOBAL X S&P 500 CATHOLIC VALUES ETF Com 37954Y889 353 6,000 SH   SOLE 0 6,000 0 0
GOLDMAN SACHS GROUP INC Com 38141G104 923 2,413 SH   SOLE 0 2,413 0 0
GOLDMAN SACHS GROUP INC Com 38141G104 103 269 SH   DFND 0 269 0 0
GOLDMAN ACTIVEBETA US LC ETF Com 381430503 907 9,535 SH   SOLE 0 9,535 0 0
WW GRAINGER INC Com 384802104 929 1,793 SH   DFND 0 1,793 0 0
HP INC Com 40434L105 663 17,602 SH   SOLE 0 17,602 0 0
HP INC Com 40434L105 171 4,532 SH   DFND 0 4,532 0 0
HILLENBRAND INC Com 431571108 806 15,500 SH   SOLE 0 15,500 0 0
HOME DEPOT INC Com 437076102 1,386 3,339 SH   SOLE 0 3,339 0 0
HOME DEPOT INC Com 437076102 799 1,926 SH   DFND 0 1,926 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 1,107 5,310 SH   SOLE 0 5,310 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 210 1,009 SH   DFND 0 1,009 0 0
HOSTESS BRANDS INC Com 44109J106 582 28,500 SH   SOLE 0 28,500 0 0
ILLINOIS TOOL WORKS Com 452308109 1,151 4,664 SH   SOLE 0 4,664 0 0
INTEL CORP Com 458140100 1,856 36,030 SH   SOLE 0 36,030 0 0
INTEL CORP Com 458140100 501 9,725 SH   DFND 0 9,725 0 0
INTL BUSINESS MACHINES CORP Com 459200101 1,344 10,059 SH   SOLE 0 9,659 0 400
INTL BUSINESS MACHINES CORP Com 459200101 432 3,235 SH   DFND 0 3,235 0 0
INVESCO QQQ TRUST Com 46090E103 9,174 23,060 SH   SOLE 0 23,060 0 0
INVESCO QQQ TRUST Com 46090E103 155 389 SH   DFND 0 389 0 0
INVESCO S&P SMALLCAP HEALTH CARE ETF Com 46138E149 1,395 7,763 SH   SOLE 0 7,763 0 0
INVESCO S&P SMALLCAP HEALTH CARE ETF Com 46138E149 152 844 SH   DFND 0 844 0 0
INVITATION HOMES INC Com 46187W107 337 7,429 SH   SOLE 0 7,429 0 0
ISHARES GOLD TRUST ISHARES Com 464285204 872 25,062 SH   SOLE 0 25,062 0 0
ISHARES GOLD TRUST ISHARES Com 464285204 67 1,921 SH   DFND 0 1,921 0 0
ISHARES CORE S&P US STOCK MARKET ETF Com 464287150 2,358 22,043 SH   SOLE 0 22,043 0 0
ISHARES CORE S&P US STOCK MARKET ETF Com 464287150 697 6,515 SH   DFND 0 6,515 0 0
ISHARES DJ SELECT DIVIDEND ETF Com 464287168 1,055 8,610 SH   SOLE 0 8,610 0 0
ISHARES DJ SELECT DIVIDEND ETF Com 464287168 50 410 SH   DFND 0 410 0 0
ISHARES CORE S&P 500 ETF Com 464287200 11,040 23,146 SH   SOLE 0 23,146 0 0
ISHARES CORE S&P 500 ETF Com 464287200 624 1,308 SH   DFND 0 1,308 0 0
ISHARES MSCI EMERGING MKT ETF Com 464287234 216 4,421 SH   SOLE 0 4,421 0 0
ISHARES MSCI EMERGING MKT ETF Com 464287234 160 3,274 SH   DFND 0 3,274 0 0
ISHARES S&P GLOBAL TECHNOLOGY SECTOR Com 464287291 2,834 44,011 SH   SOLE 0 44,011 0 0
ISHARES S&P 500 GROWTH ETF Com 464287309 1,440 17,214 SH   SOLE 0 17,214 0 0
ISHARES S&P 500 VALUE ETF Com 464287408 1,283 8,190 SH   SOLE 0 8,190 0 0
ISHARES MSCI EAFE ETF Com 464287465 2,345 29,809 SH   SOLE 0 29,809 0 0
ISHARES RUSSELL MIDCAP VALUE ETF Com 464287473 299 2,447 SH   SOLE 0 2,447 0 0
ISHARES RUSSELL MIDCAP VALUE ETF Com 464287473 110 900 SH   DFND 0 900 0 0
ISHARES RUSSELL MIDCAP ETF Com 464287499 1,734 20,891 SH   SOLE 0 20,891 0 0
ISHARES RUSSELL MIDCAP ETF Com 464287499 150 1,805 SH   DFND 0 1,805 0 0
ISHARES CORE S&P MID-CAP ETF Com 464287507 11,396 40,258 SH   SOLE 0 40,258 0 0
ISHARES CORE S&P MID-CAP ETF Com 464287507 468 1,652 SH   DFND 0 1,652 0 0
ISHARES EXPANDED TECH- SOFTWARE SECTOR ETF Com 464287515 208 523 SH   SOLE 0 523 0 0
ISHARES NASDAQ BIOTECHNOLOGY ETF Com 464287556 316 2,073 SH   SOLE 0 2,073 0 0
ISHARES RUSSELL 1000 VALUE ETF Com 464287598 11,582 68,969 SH   SOLE 0 68,969 0 0
ISHARES RUSSELL 1000 VALUE ETF Com 464287598 432 2,574 SH   DFND 0 2,574 0 0
ISHARES S&P MIDCAP 400/GRWTH ETF Com 464287606 611 7,164 SH   SOLE 0 7,164 0 0
ISHARES S&P MIDCAP 400/GRWTH ETF Com 464287606 273 3,200 SH   DFND 0 3,200 0 0
ISHARES RUSSELL 1000 GROWTH ETF Com 464287614 31,653 103,581 SH   SOLE 0 103,581 0 0
ISHARES RUSSELL 1000 GROWTH ETF Com 464287614 1,791 5,860 SH   DFND 0 5,860 0 0
ISHARES RUSSELL 1000 ETF Com 464287622 2,275 8,604 SH   SOLE 0 8,604 0 0
ISHARES RUSSELL 2000 VALUE ETF Com 464287630 225 1,355 SH   SOLE 0 1,355 0 0
ISHARES RUSSELL 2000 VALUE ETF Com 464287630 80 483 SH   DFND 0 483 0 0
ISHARES RUSSELL 2000 GROWTH ETF Com 464287648 5,453 18,608 SH   SOLE 0 18,608 0 0
ISHARES RUSSELL 2000 GROWTH ETF Com 464287648 122 415 SH   DFND 0 415 0 0
ISHARES RUSSELL 2000 ETF Com 464287655 5,566 25,022 SH   SOLE 0 25,022 0 0
ISHARES RUSSELL 2000 ETF Com 464287655 325 1,459 SH   DFND 0 1,459 0 0
ISHARES RUSSELL 3000 ETF Com 464287689 279 1,004 SH   SOLE 0 1,004 0 0
ISHARES S&P MIDCAP 400/VALUE ETF Com 464287705 482 4,356 SH   SOLE 0 4,356 0 0
ISHARES S&P MIDCAP 400/VALUE ETF Com 464287705 213 1,920 SH   DFND 0 1,920 0 0
ISHARES DJ US TECHNOLOGY SEC ETF Com 464287721 4,300 37,449 SH   SOLE 0 37,449 0 0
ISHARES DJ US TECHNOLOGY SEC ETF Com 464287721 269 2,343 SH   DFND 0 2,343 0 0
ISHARES DOW JONES US ENERGY SECTOR FUND Com 464287796 428 14,203 SH   SOLE 0 14,203 0 0
ISHARES CORE S&P SMALL-CAP ETF Com 464287804 7,094 61,951 SH   SOLE 0 61,951 0 0
ISHARES CORE S&P SMALL-CAP ETF Com 464287804 762 6,652 SH   DFND 0 6,652 0 0
ISHARES S&P SMALLCAP 600/VAL ETF Com 464287879 167 1,600 SH   SOLE 0 1,600 0 0
ISHARES S&P SMALLCAP 600/VAL ETF Com 464287879 209 2,000 SH   DFND 0 2,000 0 0
ISHARES S&P SMALLCAP/600 GROWTH ETF Com 464287887 574 4,134 SH   SOLE 0 4,134 0 0
ISHARES S&P SMALLCAP/600 GROWTH ETF Com 464287887 315 2,266 SH   DFND 0 2,266 0 0
ISHARES TR GL CLEAN ENERGY ETF Com 464288224 1,157 54,669 SH   SOLE 0 54,669 0 0
ISHARES MSCI ACWI ETF Com 464288257 991 9,367 SH   SOLE 0 9,367 0 0
ISHARES MSCI EAFE SMALL CAP ETF Com 464288273 141 1,934 SH   SOLE 0 1,934 0 0
ISHARES MSCI EAFE SMALL CAP ETF Com 464288273 64 876 SH   DFND 0 876 0 0
ISHARES JPMORGAN USD EMERGING MKTS BOND ETF Com 464288281 958 8,786 SH   SOLE 0 8,786 0 0
ISHARES JPMORGAN USD EMERGING MKTS BOND ETF Com 464288281 208 1,909 SH   DFND 0 1,909 0 0
ISHARES SHORT-TERM CORPORATE BOND ETF Com 464288646 689 12,782 SH   SOLE 0 12,782 0 0
ISHARES S&P PREF STK ETF Com 464288687 8,012 203,186 SH   SOLE 0 203,186 0 0
ISHARES S&P PREF STK ETF Com 464288687 71 1,800 SH   DFND 0 1,800 0 0
ISHARES DJ US MEDICAL DEVICE ETF Com 464288810 2,307 35,032 SH   SOLE 0 35,032 0 0
ISHARES TR EAFE GROWTH ETF Com 464288885 301 2,726 SH   SOLE 0 2,726 0 0
ISHARES CORE US TREASURY BOND ETF Com 46429B267 14,155 530,559 SH   SOLE 0 530,559 0 0
ISHARES CORE US TREASURY BOND ETF Com 46429B267 1,312 49,164 SH   DFND 0 49,164 0 0
ISHARES TR MIN VOL USA ETF Com 46429B697 10,793 133,416 SH   SOLE 0 133,416 0 0
ISHARES TR MIN VOL USA ETF Com 46429B697 781 9,660 SH   DFND 0 9,660 0 0
ISHARES SHORT MATURITY BOND ETF Com 46431W507 12,985 259,957 SH   SOLE 0 259,957 0 0
ISHARES SHORT MATURITY BOND ETF Com 46431W507 885 17,715 SH   DFND 0 17,715 0 0
ISHARES EDGE MSCI USA QUALITY Com 46432F339 9,186 63,106 SH   SOLE 0 63,106 0 0
ISHARES EDGE MSCI USA QUALITY Com 46432F339 154 1,057 SH   DFND 0 1,057 0 0
ISHARES EDGE MSCI USA VALUE FACTOR ETF Com 46432F388 2,870 26,219 SH   SOLE 0 26,219 0 0
ISHARES EDGE MSCI USA VALUE FACTOR ETF Com 46432F388 91 830 SH   DFND 0 830 0 0
ISHARES EDGE MSCI USA MOMENT Com 46432F396 35 193 SH   SOLE 0 193 0 0
ISHARES EDGE MSCI USA MOMENT Com 46432F396 187 1,029 SH   DFND 0 1,029 0 0
ISHARES CORE MSCI EAFE ETF Com 46432F842 6,494 87,000 SH   SOLE 0 87,000 0 0
ISHARES CORE MSCI EAFE ETF Com 46432F842 1,635 21,899 SH   DFND 0 21,899 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF Com 46434G103 1,327 22,164 SH   SOLE 0 22,164 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF Com 46434G103 638 10,658 SH   DFND 0 10,658 0 0
ISHARES MSCI EMERGING MARKETS EX CHINA ETF Com 46434G764 935 15,424 SH   SOLE 0 15,424 0 0
ISHARES MSCI EM ESG OPTIMIZED Com 46434G863 1,448 36,426 SH   SOLE 0 36,426 0 0
ISHARES 0-5 YEAR HIGH YIELD CORP BOND ETF Com 46434V407 5,506 121,546 SH   SOLE 0 121,546 0 0
ISHARES 0-5 YEAR HIGH YIELD CORP BOND ETF Com 46434V407 415 9,166 SH   DFND 0 9,166 0 0
ISHARES CORE TOTAL USD BOND MARKET ETF Com 46434V613 3,847 72,688 SH   SOLE 0 72,688 0 0
ISHARES CORE TOTAL USD BOND MARKET ETF Com 46434V613 234 4,424 SH   DFND 0 4,424 0 0
ISHA CURR HEDGED MSCI EAFE Com 46434V803 553 15,663 SH   SOLE 0 15,663 0 0
ISHARES MSCI USA ESG OPTIMIZED ETF Com 46435G425 6,236 57,792 SH   SOLE 0 57,792 0 0
ISHARES MSCI USA ESG OPTIMIZED ETF Com 46435G425 76 700 SH   DFND 0 700 0 0
ISHARES FALLEN ANGELS USD BOND ETF Com 46435G474 2,028 67,672 SH   SOLE 0 67,672 0 0
ISHARES FALLEN ANGELS USD BOND ETF Com 46435G474 110 3,659 SH   DFND 0 3,659 0 0
ISHARES MSCI EAFE ESG SELECT ETF Com 46435G516 576 7,248 SH   SOLE 0 7,248 0 0
ISHARES MSCI USA SMALL-CAP ESG OPTIMIZED ETF Com 46435U663 634 15,716 SH   SOLE 0 15,716 0 0
JPMORGAN CHASE & CO Com 46625H100 5,040 31,828 SH   SOLE 0 31,828 0 0
JPMORGAN CHASE & CO Com 46625H100 1,079 6,813 SH   DFND 0 6,813 0 0
JPMorgan Chase & Co Pfd Stk 46625HJQ4 54 50,000 SH   SOLE 0 50,000 0 0
JPMorgan Chase & Co Pfd Stk 46625HJQ4 217 200,000 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 843 6,057 SH   SOLE 0 6,057 0 0
JACOBS ENGR GROUP INC Com 469814107 22 160 SH   DFND 0 160 0 0
JOHNSON & JOHNSON Com 478160104 2,851 16,665 SH   SOLE 0 16,665 0 0
JOHNSON & JOHNSON Com 478160104 1,542 9,015 SH   DFND 0 9,015 0 0
KIMBERLY-CLARK CORP Com 494368103 861 6,023 SH   SOLE 0 6,023 0 0
KIMBERLY-CLARK CORP Com 494368103 29 204 SH   DFND 0 204 0 0
KNOWLES CORP Com 49926D109 514 22,000 SH   SOLE 0 22,000 0 0
LKQ CORPORATION Com 501889208 694 11,553 SH   SOLE 0 11,553 0 0
LKQ CORPORATION Com 501889208 174 2,900 SH   DFND 0 2,900 0 0
ELI LILLY & CO Com 532457108 2,800 10,138 SH   SOLE 0 10,138 0 0
ELI LILLY & CO Com 532457108 511 1,850 SH   DFND 0 1,850 0 0
LOWE'S COS INC Com 548661107 1,015 3,925 SH   SOLE 0 3,925 0 0
LOWE'S COS INC Com 548661107 274 1,060 SH   DFND 0 1,060 0 0
MARVELL TECHNOLOGY GROUP LTD Com 573874104 234 2,673 SH   SOLE 0 2,673 0 0
MASTERCARD INC-CLASS A Com 57636Q104 1,019 2,835 SH   SOLE 0 2,835 0 0
MASTERCARD INC-CLASS A Com 57636Q104 84 235 SH   DFND 0 235 0 0
MCDONALD'S CORP Com 580135101 1,368 5,103 SH   SOLE 0 5,103 0 0
MCDONALD'S CORP Com 580135101 273 1,020 SH   DFND 0 1,020 0 0
MCKESSON CORP Com 58155Q103 686 2,760 SH   SOLE 0 2,760 0 0
MCKESSON CORP Com 58155Q103 199 800 SH   DFND 0 800 0 0
MERCK & CO. INC. Com 58933Y105 736 9,600 SH   SOLE 0 9,600 0 0
MERCK & CO. INC. Com 58933Y105 758 9,896 SH   DFND 0 9,896 0 0
MICROSOFT CORP Com 594918104 13,681 40,680 SH   SOLE 0 40,680 0 0
MICROSOFT CORP Com 594918104 5,230 15,550 SH   DFND 0 15,550 0 0
MICRON TECHNOLOGY INC Com 595112103 612 6,570 SH   SOLE 0 6,570 0 0
MONDELEZ INTERNATIONAL INC-A Com 609207105 320 4,825 SH   SOLE 0 4,825 0 0
MONDELEZ INTERNATIONAL INC-A Com 609207105 291 4,386 SH   DFND 0 4,386 0 0
MOTOROLA SOLUTIONS INC Com 620076307 316 1,162 SH   DFND 0 1,162 0 0
NASDAQ INC Com 631103108 1,634 7,781 SH   SOLE 0 7,781 0 0
NETFLIX INC Com 64110L106 339 563 SH   SOLE 0 563 0 0
NEXTERA ENERGY INC Com 65339F101 3,072 32,909 SH   SOLE 0 32,909 0 0
NEXTERA ENERGY INC Com 65339F101 234 2,508 SH   DFND 0 2,508 0 0
NIKE INC -CL B Com 654106103 3,592 21,549 SH   SOLE 0 21,549 0 0
NORFOLK SOUTHERN CORP Com 655844108 125 419 SH   SOLE 0 419 0 0
NORFOLK SOUTHERN CORP Com 655844108 92 310 SH   DFND 0 310 0 0
NOVARTIS AG-SPONSORED ADR Com 66987V109 399 4,563 SH   SOLE 0 4,563 0 0
NVIDIA CORP Com 67066G104 12,431 42,268 SH   SOLE 0 42,268 0 0
NVIDIA CORP Com 67066G104 1,196 4,066 SH   DFND 0 4,066 0 0
ORACLE CORP Com 68389X105 1,084 12,434 SH   SOLE 0 12,434 0 0
ORACLE CORP Com 68389X105 345 3,952 SH   DFND 0 3,952 0 0
PNC FINANCIAL SERVICES GROUP Com 693475105 236 1,175 SH   SOLE 0 1,175 0 0
PNC FINANCIAL SERVICES GROUP Com 693475105 84 420 SH   DFND 0 420 0 0
PALO ALTO NETWORKS INC Com 697435105 930 1,670 SH   SOLE 0 1,670 0 0
PAYCHEX INC Com 704326107 179 1,310 SH   SOLE 0 1,310 0 0
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PAYPAL HOLDINGS INC Com 70450Y103 1,324 7,021 SH   SOLE 0 7,021 0 0
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PEPSICO INC Com 713448108 1,237 7,123 SH   SOLE 0 7,123 0 0
PEPSICO INC Com 713448108 1,272 7,322 SH   DFND 0 7,322 0 0
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PFIZER INC Com 717081103 595 10,075 SH   DFND 0 10,075 0 0
PHILIP MORRIS INTERNATIONAL Com 718172109 1,482 15,602 SH   SOLE 0 15,602 0 0
PHILIP MORRIS INTERNATIONAL Com 718172109 438 4,613 SH   DFND 0 4,613 0 0
PIMCO 15 YEAR US TIPS INDEX FUND Com 72201R304 359 3,929 SH   SOLE 0 3,929 0 0
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PROCTER & GAMBLE CO/THE Com 742718109 3,021 18,467 SH   SOLE 0 18,467 0 0
PROCTER & GAMBLE CO/THE Com 742718109 921 5,628 SH   DFND 0 5,628 0 0
PROLOGIS INC Com 74340W103 344 2,043 SH   SOLE 0 2,043 0 0
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PUBLIC STORAGE Com 74460D109 86 230 SH   DFND 0 230 0 0
QUALCOMM INC Com 747525103 1,178 6,440 SH   SOLE 0 6,440 0 0
QUALCOMM INC Com 747525103 117 642 SH   DFND 0 642 0 0
QUOTIENT TECHNOLOGY INC Com 749119103 190 25,600 SH   SOLE 0 25,600 0 0
ROPER TECHNOLOGIES INC Com 776696106 581 1,182 SH   SOLE 0 1,182 0 0
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SP PLUS CORP Com 78469C103 299 10,600 SH   SOLE 0 10,600 0 0
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SCHWAB (CHARLES) CORP Com 808513105 2,215 26,339 SH   SOLE 0 26,339 0 0
The Charles Schwab Corporation Pfd Stk 808513AP0 60 60,000 SH   SOLE 0 60,000 0 0
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STARBUCKS CORP Com 855244109 635 5,428 SH   SOLE 0 5,428 0 0
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Alta Properties, Inc. Com 863012544 182 24,544 SH   DFND 0 24,544 0 0
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TEXAS INSTRUMENTS INC Com 882508104 385 2,045 SH   SOLE 0 2,045 0 0
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3M CO Com 88579Y101 3,271 18,412 SH   SOLE 0 18,412 0 0
3M CO Com 88579Y101 763 4,298 SH   DFND 0 4,298 0 0
TOYOTA MOTOR CORP -SPON ADR Com 892331307 477 2,575 SH   SOLE 0 2,575 0 0
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TRUIST FINANCIAL CORPORATION Com 89832Q109 474 8,096 SH   SOLE 0 8,096 0 0
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UNITEDHEALTH GROUP INC Com 91324P102 1,009 2,009 SH   SOLE 0 2,009 0 0
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VF CORP Com 918204108 1,218 16,639 SH   SOLE 0 16,639 0 0
VF CORP Com 918204108 11 145 SH   DFND 0 145 0 0
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