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
ALERIAN MLP ETF Com 00162Q452   207,551 5,370 SH   SOLE 0 5,370 0 0
ALERIAN MLP ETF Com 00162Q452   8,503 220 SH   DFND 0 220 0 0
AT&T INC Com 00206R102   175,368 9,110 SH   SOLE 0 9,110 0 0
AT&T INC Com 00206R102   38,500 2,000 SH   DFND 0 2,000 0 0
ABBVIE INC Com 00287Y109   4,038,914 25,343 SH   SOLE 0 25,343 0 0
ABBVIE INC Com 00287Y109   1,175,194 7,374 SH   DFND 0 7,374 0 0
ADOBE SYSTEMS INC Com 00724F101   721,027 1,871 SH   SOLE 0 1,871 0 0
ADOBE SYSTEMS INC Com 00724F101   125,245 325 SH   DFND 0 325 0 0
ALPHABET INC-CL C Com 02079K107   913,120 8,780 SH   SOLE 0 8,780 0 0
ALPHABET INC-CL C Com 02079K107   852,800 8,200 SH   DFND 0 8,200 0 0
ALPHABET INC-CL A Com 02079K305   3,324,339 32,048 SH   SOLE 0 32,048 0 0
ALPHABET INC-CL A Com 02079K305   1,063,233 10,250 SH   DFND 0 10,250 0 0
ALTRIA GROUP INC Com 02209S103   232,024 5,200 SH   SOLE 0 5,200 0 0
ALTRIA GROUP INC Com 02209S103   228,945 5,131 SH   DFND 0 5,131 0 0
AMERIPRISE FINANCIAL INC Com 03076C106   871,380 2,843 SH   SOLE 0 2,843 0 0
ANALOG DEVICES INC Com 032654105   72,380 367 SH   SOLE 0 367 0 0
ANALOG DEVICES INC Com 032654105   235,875 1,196 SH   DFND 0 1,196 0 0
ASTRAZENECA PLC ADR Com 046353108   300,406 4,328 SH   SOLE 0 4,328 0 0
Bank of America Pfd Stk 060505EH3   244,063 250,000 SH   SOLE 0 250,000 0 0
Bank Amer Corp Pfd Stk 060505EU4   99,137 100,000 SH   SOLE 0 100,000 0 0
BLACKROCK INC Com 09247X101   1,185,012 1,771 SH   SOLE 0 1,771 0 0
BLACKROCK INC Com 09247X101   132,486 198 SH   DFND 0 198 0 0
BLACKSTONE INC Com 09260D107   295,669 3,366 SH   SOLE 0 3,366 0 0
BLACKSTONE INC Com 09260D107   127,368 1,450 SH   DFND 0 1,450 0 0
BRISTOL-MYERS SQUIBB CO Com 110122108   788,956 11,383 SH   SOLE 0 11,383 0 0
BRISTOL-MYERS SQUIBB CO Com 110122108   643,751 9,288 SH   DFND 0 9,288 0 0
BROADCOM INC Com 11135F101   450,361 702 SH   SOLE 0 702 0 0
BROADCOM INC Com 11135F101   262,390 409 SH   DFND 0 409 0 0
CF INDUSTRIES HOLDINGS INC Com 125269100   698,804 9,640 SH   SOLE 0 9,640 0 0
CVS HEALTH CORP Com 126650100   1,630,733 21,945 SH   SOLE 0 21,945 0 0
CVS HEALTH CORP Com 126650100   208,068 2,800 SH   DFND 0 2,800 0 0
CAPITAL ONE FINANCIAL CORP Com 14040H105   332,906 3,462 SH   SOLE 0 3,462 0 0
CAPITAL ONE FINANCIAL CORP Com 14040H105   9,616 100 SH   DFND 0 100 0 0
CARLISLE COS INC Com 142339100   1,261,245 5,579 SH   SOLE 0 0 0 5,579
CARRIER GLOBAL CORPORATION Com 14448C104   548,909 11,998 SH   SOLE 0 10,326 0 1,672
CARRIER GLOBAL CORPORATION Com 14448C104   39,803 870 SH   DFND 0 870 0 0
CATERPILLAR INC Com 149123101   747,163 3,265 SH   SOLE 0 3,265 0 0
CATERPILLAR INC Com 149123101   102,978 450 SH   DFND 0 450 0 0
CHEVRON CORP Com 166764100   4,023,526 24,660 SH   SOLE 0 22,917 0 1,743
CHEVRON CORP Com 166764100   281,125 1,723 SH   DFND 0 1,723 0 0
CISCO SYSTEMS INC Com 17275R102   1,357,320 25,965 SH   SOLE 0 25,965 0 0
CISCO SYSTEMS INC Com 17275R102   452,597 8,658 SH   DFND 0 8,658 0 0
CITIGROUP INC Com 172967424   517,525 11,037 SH   SOLE 0 11,037 0 0
CLOROX COMPANY Com 189054109   207,294 1,310 SH   SOLE 0 1,310 0 0
COCA-COLA CO/THE Com 191216100   7,024,339 113,241 SH   SOLE 0 113,241 0 0
COCA-COLA CO/THE Com 191216100   164,131 2,646 SH   DFND 0 2,646 0 0
COGNIZANT TECH SOLUTIONS-A Com 192446102   28,637 470 SH   SOLE 0 470 0 0
COGNIZANT TECH SOLUTIONS-A Com 192446102   224,222 3,680 SH   DFND 0 3,680 0 0
COMCAST CORP-CLASS A Com 20030N101   208,050 5,488 SH   SOLE 0 5,488 0 0
COMCAST CORP-CLASS A Com 20030N101   25,627 676 SH   DFND 0 676 0 0
CONOCOPHILLIPS Com 20825C104   1,244,490 12,544 SH   SOLE 0 12,544 0 0
CONSOLIDATED EDISON INC Com 209115104   229,130 2,395 SH   SOLE 0 2,395 0 0
COSTCO WHOLESALE CORP Com 22160K105   4,719,768 9,499 SH   SOLE 0 9,499 0 0
COSTCO WHOLESALE CORP Com 22160K105   366,690 738 SH   DFND 0 738 0 0
CUMMINS INC Com 231021106   503,559 2,108 SH   SOLE 0 2,108 0 0
DTE ENERGY COMPANY Com 233331107   447,800 4,088 SH   SOLE 0 4,088 0 0
DANAHER CORP Com 235851102   860,213 3,413 SH   SOLE 0 3,413 0 0
DANAHER CORP Com 235851102   5,545 22 SH   DFND 0 22 0 0
DARDEN RESTAURANTS INC Com 237194105   206,518 1,331 SH   SOLE 0 1,331 0 0
DEERE & CO Com 244199105   1,422,372 3,445 SH   SOLE 0 3,445 0 0
DEERE & CO Com 244199105   268,372 650 SH   DFND 0 650 0 0
WALT DISNEY CO/THE Com 254687106   1,805,444 18,031 SH   SOLE 0 18,031 0 0
WALT DISNEY CO/THE Com 254687106   23,531 235 SH   DFND 0 235 0 0
DUKE ENERGY CORP Com 26441C204   223,039 2,312 SH   SOLE 0 2,312 0 0
DUKE ENERGY CORP Com 26441C204   17,365 180 SH   DFND 0 180 0 0
ETFMG PRIME CYBER SECURITY ETF Com 26924G201   363,432 7,600 SH   SOLE 0 7,600 0 0
ETFMG PRIME CYBER SECURITY ETF Com 26924G201   68,383 1,430 SH   DFND 0 1,430 0 0
ECOLAB INC Com 278865100   1,107,727 6,692 SH   SOLE 0 6,692 0 0
EMERSON ELECTRIC CO Com 291011104   776,766 8,914 SH   SOLE 0 8,914 0 0
EMERSON ELECTRIC CO Com 291011104   307,604 3,530 SH   DFND 0 3,530 0 0
ENBRIDGE INC Com 29250N105   1,251,167 32,796 SH   SOLE 0 32,796 0 0
ENBRIDGE INC Com 29250N105   268,652 7,042 SH   DFND 0 7,042 0 0
EXXON MOBIL CORP Com 30231G102   1,878,695 17,132 SH   SOLE 0 15,345 0 1,787
EXXON MOBIL CORP Com 30231G102   1,550,373 14,138 SH   DFND 0 14,138 0 0
META PLATFORMS INC Com 30303M102   801,981 3,784 SH   SOLE 0 3,784 0 0
FEDEX CORP Com 31428X106   566,655 2,480 SH   SOLE 0 2,480 0 0
FEDEX CORP Com 31428X106   526,669 2,305 SH   DFND 0 2,305 0 0
FISERV INC Com 337738108   1,180,485 10,444 SH   SOLE 0 10,444 0 0
FORD MOTOR CO Com 345370860   322,560 25,600 SH   DFND 0 25,600 0 0
FRANKLIN CALIF TAX FREE INCOME Com 352518104   820,503 120,132 SH   SOLE 0 120,132 0 0
GENERAL DYNAMICS CORP Com 369550108   335,925 1,472 SH   SOLE 0 1,472 0 0
GENERAL MILLS INC Com 370334104   605,057 7,080 SH   SOLE 0 7,080 0 0
GENERAL MILLS INC Com 370334104   95,715 1,120 SH   DFND 0 1,120 0 0
GILEAD SCIENCES INC Com 375558103   439,160 5,293 SH   SOLE 0 5,293 0 0
GILEAD SCIENCES INC Com 375558103   34,433 415 SH   DFND 0 415 0 0
GLOBAL X S&P 500 CATHOLIC VALUES ETF Com 37954Y889   310,738 6,190 SH   SOLE 0 6,190 0 0
GOLDMAN SACHS GROUP INC Com 38141G104   790,952 2,418 SH   SOLE 0 2,418 0 0
GOLDMAN SACHS GROUP INC Com 38141G104   52,338 160 SH   DFND 0 160 0 0
GOLDMAN ACTIVEBETA US LC ETF Com 381430503   760,219 9,360 SH   SOLE 0 9,360 0 0
WW GRAINGER INC Com 384802104   13,776 20 SH   SOLE 0 20 0 0
WW GRAINGER INC Com 384802104   1,220,571 1,772 SH   DFND 0 1,772 0 0
HP INC Com 40434L105   610,392 20,797 SH   SOLE 0 20,797 0 0
HOME DEPOT INC Com 437076102   882,999 2,992 SH   SOLE 0 2,992 0 0
HOME DEPOT INC Com 437076102   568,401 1,926 SH   DFND 0 1,926 0 0
HONEYWELL INTERNATIONAL INC Com 438516106   1,089,957 5,703 SH   SOLE 0 5,703 0 0
HONEYWELL INTERNATIONAL INC Com 438516106   177,550 929 SH   DFND 0 929 0 0
ILLINOIS TOOL WORKS Com 452308109   848,180 3,484 SH   SOLE 0 3,484 0 0
ILLINOIS TOOL WORKS Com 452308109   17,042 70 SH   DFND 0 70 0 0
INTEL CORP Com 458140100   239,504 7,331 SH   SOLE 0 7,331 0 0
INTEL CORP Com 458140100   190,303 5,825 SH   DFND 0 5,825 0 0
INTL BUSINESS MACHINES CORP Com 459200101   1,032,858 7,879 SH   SOLE 0 7,479 0 400
INTL BUSINESS MACHINES CORP Com 459200101   327,725 2,500 SH   DFND 0 2,500 0 0
INVESCO QQQ TRUST Com 46090E103   3,498,458 10,901 SH   SOLE 0 10,901 0 0
INVESCO QQQ TRUST Com 46090E103   97,884 305 SH   DFND 0 305 0 0
INVESCO S&P SMALLCAP HEALTH CARE ETF Com 46138E149   1,016,720 7,763 SH   SOLE 0 7,763 0 0
INVESCO S&P SMALLCAP HEALTH CARE ETF Com 46138E149   89,583 684 SH   DFND 0 684 0 0
INVITATION HOMES INC Com 46187W107   292,125 9,354 SH   SOLE 0 9,354 0 0
INVITATION HOMES INC Com 46187W107   81,198 2,600 SH   DFND 0 2,600 0 0
ISHARES CORE S&P US STOCK MARKET ETF Com 464287150   2,192,578 24,214 SH   SOLE 0 24,214 0 0
ISHARES CORE S&P US STOCK MARKET ETF Com 464287150   584,048 6,450 SH   DFND 0 6,450 0 0
ISHARES DJ SELECT DIVIDEND ETF Com 464287168   2,625,301 22,404 SH   SOLE 0 22,404 0 0
ISHARES DJ SELECT DIVIDEND ETF Com 464287168   71,480 610 SH   DFND 0 610 0 0
ISHARES CORE S&P 500 ETF Com 464287200   7,702,406 18,737 SH   SOLE 0 18,737 0 0
ISHARES CORE S&P 500 ETF Com 464287200   510,561 1,242 SH   DFND 0 1,242 0 0
ISHARES MSCI EMERGING MKT ETF Com 464287234   203,061 5,146 SH   SOLE 0 5,146 0 0
ISHARES S&P GLOBAL TECHNOLOGY SECTOR Com 464287291   1,086,874 19,994 SH   SOLE 0 19,994 0 0
ISHARES S&P 500 GROWTH ETF Com 464287309   1,677,432 26,255 SH   SOLE 0 26,255 0 0
ISHARES S&P 500 VALUE ETF Com 464287408   1,238,362 8,160 SH   SOLE 0 8,160 0 0
ISHARES MSCI EAFE ETF Com 464287465   2,401,713 33,581 SH   SOLE 0 33,581 0 0
ISHARES MSCI EAFE ETF Com 464287465   3,004 42 SH   DFND 0 42 0 0
ISHARES RUSSELL MIDCAP VALUE ETF Com 464287473   158,981 1,497 SH   SOLE 0 1,497 0 0
ISHARES RUSSELL MIDCAP VALUE ETF Com 464287473   95,580 900 SH   DFND 0 900 0 0
ISHARES RUSSELL MIDCAP ETF Com 464287499   1,571,382 22,474 SH   SOLE 0 22,474 0 0
ISHARES RUSSELL MIDCAP ETF Com 464287499   196,196 2,806 SH   DFND 0 2,806 0 0
ISHARES CORE S&P MID-CAP ETF Com 464287507   9,747,985 38,967 SH   SOLE 0 38,967 0 0
ISHARES CORE S&P MID-CAP ETF Com 464287507   416,266 1,664 SH   DFND 0 1,664 0 0
ISHARES RUSSELL 1000 VALUE ETF Com 464287598   10,144,323 66,625 SH   SOLE 0 66,625 0 0
ISHARES RUSSELL 1000 VALUE ETF Com 464287598   318,376 2,091 SH   DFND 0 2,091 0 0
ISHARES S&P MIDCAP 400/GRWTH ETF Com 464287606   443,648 6,204 SH   SOLE 0 6,204 0 0
ISHARES S&P MIDCAP 400/GRWTH ETF Com 464287606   218,249 3,052 SH   DFND 0 3,052 0 0
ISHARES RUSSELL 1000 GROWTH ETF Com 464287614   20,506,617 83,930 SH   SOLE 0 83,930 0 0
ISHARES RUSSELL 1000 GROWTH ETF Com 464287614   1,244,373 5,093 SH   DFND 0 5,093 0 0
ISHARES RUSSELL 1000 ETF Com 464287622   931,777 4,137 SH   SOLE 0 4,137 0 0
ISHARES RUSSELL 2000 VALUE ETF Com 464287630   182,785 1,334 SH   SOLE 0 1,334 0 0
ISHARES RUSSELL 2000 VALUE ETF Com 464287630   66,181 483 SH   DFND 0 483 0 0
ISHARES RUSSELL 2000 GROWTH ETF Com 464287648   3,642,049 16,057 SH   SOLE 0 16,057 0 0
ISHARES RUSSELL 2000 GROWTH ETF Com 464287648   68,046 300 SH   DFND 0 300 0 0
ISHARES RUSSELL 2000 ETF Com 464287655   1,373,858 7,701 SH   SOLE 0 7,701 0 0
ISHARES RUSSELL 2000 ETF Com 464287655   243,873 1,367 SH   DFND 0 1,367 0 0
ISHARES S&P MIDCAP 400/VALUE ETF Com 464287705   408,614 3,976 SH   SOLE 0 3,976 0 0
ISHARES S&P MIDCAP 400/VALUE ETF Com 464287705   197,318 1,920 SH   DFND 0 1,920 0 0
ISHARES DJ US TECHNOLOGY SEC ETF Com 464287721   3,040,641 32,762 SH   SOLE 0 32,762 0 0
ISHARES DJ US TECHNOLOGY SEC ETF Com 464287721   149,331 1,609 SH   DFND 0 1,609 0 0
ISHARES DOW JONES US ENERGY SECTOR FUND Com 464287796   622,563 14,230 SH   SOLE 0 14,230 0 0
ISHARES CORE S&P SMALL-CAP ETF Com 464287804   6,408,986 66,277 SH   SOLE 0 66,277 0 0
ISHARES CORE S&P SMALL-CAP ETF Com 464287804   204,134 2,111 SH   DFND 0 2,111 0 0
ISHARES S&P SMALLCAP 600/VAL ETF Com 464287879   149,744 1,600 SH   SOLE 0 1,600 0 0
ISHARES S&P SMALLCAP 600/VAL ETF Com 464287879   187,180 2,000 SH   DFND 0 2,000 0 0
ISHARES S&P SMALLCAP/600 GROWTH ETF Com 464287887   404,469 3,679 SH   SOLE 0 3,679 0 0
ISHARES S&P SMALLCAP/600 GROWTH ETF Com 464287887   233,513 2,124 SH   DFND 0 2,124 0 0
ISHARES TR AGENCY BOND ETF Com 464288166   1,390,431 12,847 SH   SOLE 0 12,847 0 0
ISHARES TR AGENCY BOND ETF Com 464288166   95,675 884 SH   DFND 0 884 0 0
ISHARES TR GL CLEAN ENERGY ETF Com 464288224   997,644 50,437 SH   SOLE 0 50,437 0 0
ISHARES MSCI ACWI ETF Com 464288257   1,013,517 11,118 SH   SOLE 0 11,118 0 0
ISHARES JPMORGAN USD EMERGING MKTS BOND ETF Com 464288281   353,921 4,102 SH   SOLE 0 4,102 0 0
ISHARES JPMORGAN USD EMERGING MKTS BOND ETF Com 464288281   122,259 1,417 SH   DFND 0 1,417 0 0
ISHARES S&P GLOBAL INFRASTRUCTURE INDEX FUND Com 464288372   613,756 12,867 SH   SOLE 0 12,867 0 0
ISHARES S&P GLOBAL INFRASTRUCTURE INDEX FUND Com 464288372   65,969 1,383 SH   DFND 0 1,383 0 0
ISHARES SHORT-TERM CORPORATE BOND ETF Com 464288646   1,009,183 19,968 SH   SOLE 0 19,968 0 0
ISHARES BARCLAYS SHORT TREASURY BOND FUND Com 464288679   3,214,998 29,095 SH   SOLE 0 29,095 0 0
ISHARES BARCLAYS SHORT TREASURY BOND FUND Com 464288679   84,533 765 SH   DFND 0 765 0 0
ISHARES S&P PREF STK ETF Com 464288687   1,863,959 59,704 SH   SOLE 0 59,704 0 0
ISHARES S&P PREF STK ETF Com 464288687   49,109 1,573 SH   DFND 0 1,573 0 0
ISHARES DJ US MEDICAL DEVICE ETF Com 464288810   1,900,906 35,215 SH   SOLE 0 35,215 0 0
ISHARES DJ US MEDICAL DEVICE ETF Com 464288810   80,970 1,500 SH   DFND 0 1,500 0 0
ISHARES TR MSCI EAFE VALUE ETF Com 464288877   2,936,987 60,519 SH   SOLE 0 60,519 0 0
ISHARES TR EAFE GROWTH ETF Com 464288885   278,792 2,976 SH   SOLE 0 2,976 0 0
ISHARES TR EAFE GROWTH ETF Com 464288885   140,520 1,500 SH   DFND 0 1,500 0 0
ISHARES CORE US TREASURY BOND ETF Com 46429B267   5,793,821 247,811 SH   SOLE 0 247,811 0 0
ISHARES CORE US TREASURY BOND ETF Com 46429B267   958,533 40,998 SH   DFND 0 40,998 0 0
ISHARES CORE HIGH DIVIDEND ETF Com 46429B663   240,324 2,364 SH   SOLE 0 2,364 0 0
ISHARES CORE HIGH DIVIDEND ETF Com 46429B663   96,577 950 SH   DFND 0 950 0 0
ISHARES TR MIN VOL USA ETF Com 46429B697   6,799,299 93,474 SH   SOLE 0 93,474 0 0
ISHARES TR MIN VOL USA ETF Com 46429B697   673,572 9,260 SH   DFND 0 9,260 0 0
ISHARES TR 0-5 YR TIPS ETF Com 46429B747   357,228 3,600 SH   SOLE 0 3,600 0 0
ISHARES TR 0-5 YR TIPS ETF Com 46429B747   41,875 422 SH   DFND 0 422 0 0
ISHARES SHORT MATURITY BOND ETF Com 46431W507   6,127,386 123,536 SH   SOLE 0 123,536 0 0
ISHARES SHORT MATURITY BOND ETF Com 46431W507   819,342 16,519 SH   DFND 0 16,519 0 0
ISHARES EDGE MSCI USA QUALITY Com 46432F339   6,508,946 52,464 SH   SOLE 0 52,464 0 0
ISHARES EDGE MSCI USA QUALITY Com 46432F339   158,183 1,275 SH   DFND 0 1,275 0 0
ISHARES EDGE MSCI USA VALUE FACTOR ETF Com 46432F388   1,599,863 17,279 SH   SOLE 0 17,279 0 0
ISHARES EDGE MSCI USA VALUE FACTOR ETF Com 46432F388   76,850 830 SH   DFND 0 830 0 0
ISHARES CORE MSCI EAFE ETF Com 46432F842   5,358,897 80,163 SH   SOLE 0 80,163 0 0
ISHARES CORE MSCI EAFE ETF Com 46432F842   1,425,710 21,327 SH   DFND 0 21,327 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF Com 46434G103   860,656 17,640 SH   SOLE 0 17,640 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF Com 46434G103   204,918 4,200 SH   DFND 0 4,200 0 0
ISHARES MSCI EMERGING MARKETS EX CHINA ETF Com 46434G764   3,321,142 67,325 SH   SOLE 0 67,325 0 0
ISHARES MSCI EMERGING MARKETS EX CHINA ETF Com 46434G764   265,938 5,391 SH   DFND 0 5,391 0 0
ISHARES MSCI EM ESG OPTIMIZED Com 46434G863   1,169,702 37,157 SH   SOLE 0 37,157 0 0
ISHARES 0-5 YEAR HIGH YIELD CORP BOND ETF Com 46434V407   950,554 22,806 SH   SOLE 0 22,806 0 0
ISHARES 0-5 YEAR HIGH YIELD CORP BOND ETF Com 46434V407   357,031 8,566 SH   DFND 0 8,566 0 0
ISHARES CORE TOTAL USD BOND MARKET ETF Com 46434V613   1,159,842 25,132 SH   SOLE 0 25,132 0 0
ISHARES TREASURY FLOATING RATE BOND ETF Com 46434V860   498,312 9,850 SH   SOLE 0 9,850 0 0
ISHARES TREASURY FLOATING RATE BOND ETF Com 46434V860   44,722 884 SH   DFND 0 884 0 0
ISHARES MSCI USA ESG OPTIMIZED ETF Com 46435G425   4,701,772 51,982 SH   SOLE 0 51,982 0 0
ISHARES MSCI USA ESG OPTIMIZED ETF Com 46435G425   63,315 700 SH   DFND 0 700 0 0
ISHARES FALLEN ANGELS USD BOND ETF Com 46435G474   488,242 19,321 SH   SOLE 0 19,321 0 0
ISHARES MSCI EAFE ESG SELECT ETF Com 46435G516   1,356,196 18,878 SH   SOLE 0 18,878 0 0
ISHARES MSCI USA SMALL-CAP ESG OPTIMIZED ETF Com 46435U663   551,182 16,216 SH   SOLE 0 16,216 0 0
JPMORGAN CHASE & CO Com 46625H100   2,962,337 22,733 SH   SOLE 0 22,733 0 0
JPMORGAN CHASE & CO Com 46625H100   711,623 5,461 SH   DFND 0 5,461 0 0
JPMorgan Chase & Co Pfd Stk 46625HJQ4   351,531 350,000 SH   SOLE 0 350,000 0 0
JPMORGAN ULTRA-SHORT INCOME ETF Com 46641Q837   3,456,581 68,692 SH   SOLE 0 68,692 0 0
JPMORGAN ULTRA-SHORT INCOME ETF Com 46641Q837   11,574 230 SH   DFND 0 230 0 0
JOHNSON & JOHNSON Com 478160104   2,063,980 13,316 SH   SOLE 0 13,316 0 0
JOHNSON & JOHNSON Com 478160104   1,395,310 9,002 SH   DFND 0 9,002 0 0
KLA CORPORATION Com 482480100   219,943 551 SH   SOLE 0 551 0 0
KIMBERLY-CLARK CORP Com 494368103   701,836 5,229 SH   SOLE 0 5,229 0 0
KIMBERLY-CLARK CORP Com 494368103   27,381 204 SH   DFND 0 204 0 0
LKQ CORPORATION Com 501889208   737,085 12,986 SH   SOLE 0 12,986 0 0
ELI LILLY & CO Com 532457108   3,277,257 9,543 SH   SOLE 0 9,543 0 0
ELI LILLY & CO Com 532457108   441,638 1,286 SH   DFND 0 1,286 0 0
LOCKHEED MARTIN CORP Com 539830109   476,512 1,008 SH   SOLE 0 1,008 0 0
LOCKHEED MARTIN CORP Com 539830109   43,491 92 SH   DFND 0 92 0 0
LOWE'S COS INC Com 548661107   857,471 4,288 SH   SOLE 0 4,288 0 0
LOWE'S COS INC Com 548661107   31,995 160 SH   DFND 0 160 0 0
MASTERCARD INC-CLASS A Com 57636Q104   1,103,676 3,037 SH   SOLE 0 3,037 0 0
MCDONALD'S CORP Com 580135101   1,557,148 5,569 SH   SOLE 0 5,569 0 0
MCDONALD'S CORP Com 580135101   252,208 902 SH   DFND 0 902 0 0
MCKESSON CORP Com 58155Q103   1,114,793 3,131 SH   SOLE 0 3,131 0 0
MERCK & CO. INC. Com 58933Y105   1,021,663 9,603 SH   SOLE 0 9,603 0 0
MERCK & CO. INC. Com 58933Y105   1,044,537 9,818 SH   DFND 0 9,818 0 0
MICROSOFT CORP Com 594918104   9,024,078 31,301 SH   SOLE 0 31,301 0 0
MICROSOFT CORP Com 594918104   4,572,726 15,861 SH   DFND 0 15,861 0 0
MICRON TECHNOLOGY INC Com 595112103   390,098 6,465 SH   SOLE 0 6,465 0 0
MONDELEZ INTERNATIONAL INC-A Com 609207105   321,618 4,613 SH   SOLE 0 4,613 0 0
MONDELEZ INTERNATIONAL INC-A Com 609207105   305,792 4,386 SH   DFND 0 4,386 0 0
MOTOROLA SOLUTIONS INC Com 620076307   287,275 1,004 SH   SOLE 0 1,004 0 0
MOTOROLA SOLUTIONS INC Com 620076307   46,353 162 SH   DFND 0 162 0 0
NEXTERA ENERGY INC Com 65339F101   1,287,544 16,704 SH   SOLE 0 16,704 0 0
NEXTERA ENERGY INC Com 65339F101   420,857 5,460 SH   DFND 0 5,460 0 0
NIKE INC -CL B Com 654106103   1,608,424 13,115 SH   SOLE 0 13,115 0 0
NOVARTIS AG-SPONSORED ADR Com 66987V109   344,724 3,747 SH   SOLE 0 3,747 0 0
NVIDIA CORP Com 67066G104   7,813,115 28,128 SH   SOLE 0 28,128 0 0
NVIDIA CORP Com 67066G104   590,261 2,125 SH   DFND 0 2,125 0 0
ORACLE CORP Com 68389X105   611,135 6,577 SH   SOLE 0 6,577 0 0
ORACLE CORP Com 68389X105   276,623 2,977 SH   DFND 0 2,977 0 0
PNC FINANCIAL SERVICES GROUP Com 693475105   149,343 1,175 SH   SOLE 0 1,175 0 0
PNC FINANCIAL SERVICES GROUP Com 693475105   59,737 470 SH   DFND 0 470 0 0
PALO ALTO NETWORKS INC Com 697435105   963,346 4,823 SH   SOLE 0 4,823 0 0
PEPSICO INC Com 713448108   941,033 5,162 SH   SOLE 0 5,162 0 0
PEPSICO INC Com 713448108   1,302,716 7,146 SH   DFND 0 7,146 0 0
PFIZER INC Com 717081103   1,976,066 48,433 SH   SOLE 0 48,433 0 0
PFIZER INC Com 717081103   317,220 7,775 SH   DFND 0 7,775 0 0
PHILIP MORRIS INTERNATIONAL Com 718172109   301,670 3,102 SH   SOLE 0 3,102 0 0
PHILIP MORRIS INTERNATIONAL Com 718172109   448,614 4,613 SH   DFND 0 4,613 0 0
PHILLIPS 66 Com 718546104   367,198 3,622 SH   SOLE 0 3,622 0 0
PHILLIPS 66 Com 718546104   15,004 148 SH   DFND 0 148 0 0
PIONEER NATURAL RESOURCES Com 723787107   588,007 2,879 SH   SOLE 0 2,879 0 0
PIONEER NATURAL RESOURCES Com 723787107   7,353 36 SH   DFND 0 36 0 0
PROCTER & GAMBLE CO/THE Com 742718109   1,895,798 12,750 SH   SOLE 0 12,750 0 0
PROCTER & GAMBLE CO/THE Com 742718109   1,220,150 8,206 SH   DFND 0 8,206 0 0
PROLOGIS INC Com 74340W103   759,475 6,087 SH   SOLE 0 6,087 0 0
PROLOGIS INC Com 74340W103   113,541 910 SH   DFND 0 910 0 0
PUBLIC SERVICE ENTERPRISE GP Com 744573106   641,549 10,273 SH   SOLE 0 10,273 0 0
PUBLIC SERVICE ENTERPRISE GP Com 744573106   38,469 616 SH   DFND 0 616 0 0
PUBLIC STORAGE Com 74460D109   274,343 908 SH   SOLE 0 908 0 0
PUBLIC STORAGE Com 74460D109   69,492 230 SH   DFND 0 230 0 0
QUALCOMM INC Com 747525103   682,936 5,353 SH   SOLE 0 5,353 0 0
QUALCOMM INC Com 747525103   81,906 642 SH   DFND 0 642 0 0
QUEST DIAGNOSTICS INC Com 74834L100   239,526 1,693 SH   SOLE 0 1,693 0 0
ROPER TECHNOLOGIES INC Com 776696106   519,133 1,178 SH   SOLE 0 1,178 0 0
ROYCE PENNSYLVANIA MUTUAL FUND Com 780905840   124,747 15,158 SH   SOLE 0 15,158 0 0
SPDR S&P 500 ETF TRUST Com 78462F103   6,743,881 16,473 SH   SOLE 0 16,473 0 0
SPDR S&P 500 ETF TRUST Com 78462F103   426,175 1,041 SH   DFND 0 1,041 0 0
SPDR GOLD TRUST Com 78463V107   1,039,590 5,674 SH   SOLE 0 5,674 0 0
SPDR S&P NORTH AMERICAN NATURAL RESOURCES ETF Com 78463X152   313,146 5,839 SH   SOLE 0 5,839 0 0
SPDR S&P NORTH AMERICAN NATURAL RESOURCES ETF Com 78463X152   25,957 484 SH   DFND 0 484 0 0
SPDR MSCI ACWI EX-US Com 78463X848   4,681,316 181,940 SH   SOLE 0 181,940 0 0
SPDR MSCI ACWI EX-US Com 78463X848   112,903 4,388 SH   DFND 0 4,388 0 0
SPDR BLOOMBERG CONVERTIBLE SECURITIES ETF Com 78464A359   1,706,261 25,440 SH   SOLE 0 25,440 0 0
SPDR BLOOMBERG CONVERTIBLE SECURITIES ETF Com 78464A359   186,119 2,775 SH   DFND 0 2,775 0 0
KBW BANK ETF Com 78464A797   294,707 7,950 SH   SOLE 0 7,950 0 0
KBW BANK ETF Com 78464A797   20,018 540 SH   DFND 0 540 0 0
SPDR S&P BIOTECH ETF Com 78464A870   297,219 3,900 SH   SOLE 0 3,900 0 0
SPDR S&P MIDCAP 400 ETF TRUST Com 78467Y107   1,146,942 2,502 SH   SOLE 0 2,502 0 0
SCHWAB (CHARLES) CORP Com 808513105   865,946 16,532 SH   SOLE 0 16,532 0 0
CHARLES SCHWAB CORP Pfd Stk 808513BD6   94,750 100,000 SH   SOLE 0 100,000 0 0
MATERIALS SELECT SPDR FUND Com 81369Y100   1,177,152 14,594 SH   SOLE 0 14,594 0 0
MATERIALS SELECT SPDR FUND Com 81369Y100   104,858 1,300 SH   DFND 0 1,300 0 0
HEALTH CARE SELECT SECTOR SPDR Com 81369Y209   2,659,108 20,540 SH   SOLE 0 20,540 0 0
HEALTH CARE SELECT SECTOR SPDR Com 81369Y209   84,149 650 SH   DFND 0 650 0 0
CONSUMER STAPLES SELECT SECTOR SPDR Com 81369Y308   1,012,246 13,549 SH   SOLE 0 13,549 0 0
CONSUMER DISCRETIONARY SELT Com 81369Y407   1,350,346 9,030 SH   SOLE 0 9,030 0 0
ENERGY SELECT SECTOR SPDR Com 81369Y506   796,990 9,622 SH   SOLE 0 9,622 0 0
ENERGY SELECT SECTOR SPDR Com 81369Y506   174,854 2,111 SH   DFND 0 2,111 0 0
FINANCIAL SELECT SECTOR SPDR Com 81369Y605   1,211,187 37,673 SH   SOLE 0 37,673 0 0
INDUSTRIAL SELECT SECTOR SPDR ETF Com 81369Y704   287,857 2,845 SH   SOLE 0 2,845 0 0
TECHNOLOGY SELECT SECT SPDR Com 81369Y803   304,134 2,014 SH   SOLE 0 2,014 0 0
UTILITIES SELECT SECTOR SPDR Com 81369Y886   1,630,652 24,090 SH   SOLE 0 24,090 0 0
UTILITIES SELECT SECTOR SPDR Com 81369Y886   334,118 4,936 SH   DFND 0 4,936 0 0
SOUTHERN CO/THE Com 842587107   323,338 4,647 SH   SOLE 0 4,647 0 0
SOUTHERN CO/THE Com 842587107   119,330 1,715 SH   DFND 0 1,715 0 0
STARBUCKS CORP Com 855244109   625,821 6,010 SH   SOLE 0 6,010 0 0
Alta Properties, Inc. Com 863012544   181,626 24,544 SH   DFND 0 24,544 0 0
STRYKER CORP Com 863667101   844,135 2,957 SH   SOLE 0 2,957 0 0
TJX COMPANIES INC Com 872540109   378,322 4,828 SH   SOLE 0 4,828 0 0
T-MOBILE US INC Com 872590104   347,326 2,398 SH   SOLE 0 2,398 0 0
TAIWAN SEMICONDUCTOR-SP ADR Com 874039100   699,789 7,523 SH   SOLE 0 7,523 0 0
TAIWAN SEMICONDUCTOR-SP ADR Com 874039100   32,185 346 SH   DFND 0 346 0 0
TEXAS INSTRUMENTS INC Com 882508104   297,244 1,598 SH   SOLE 0 1,598 0 0
TEXAS INSTRUMENTS INC Com 882508104   136,159 732 SH   DFND 0 732 0 0
THERMO FISHER SCIENTIFIC INC Com 883556102   2,609,803 4,528 SH   SOLE 0 4,528 0 0
THERMO FISHER SCIENTIFIC INC Com 883556102   19,020 33 SH   DFND 0 33 0 0
3M CO Com 88579Y101   563,810 5,364 SH   SOLE 0 5,364 0 0
3M CO Com 88579Y101   341,397 3,248 SH   DFND 0 3,248 0 0
TOYOTA MOTOR CORP -SPON ADR Com 892331307   283,380 2,000 SH   SOLE 0 2,000 0 0
TOYOTA MOTOR CORP -SPON ADR Com 892331307   15,586 110 SH   DFND 0 110 0 0
US BANCORP Com 902973304   341,213 9,465 SH   SOLE 0 9,465 0 0
US BANCORP Com 902973304   29,561 820 SH   DFND 0 820 0 0
UNION PACIFIC CORP Com 907818108   1,378,027 6,847 SH   SOLE 0 6,847 0 0
UNION PACIFIC CORP Com 907818108   555,478 2,760 SH   DFND 0 2,760 0 0
UNITED PARCEL SERVICE-CL B Com 911312106   631,631 3,256 SH   SOLE 0 3,256 0 0
UNITED PARCEL SERVICE-CL B Com 911312106   28,711 148 SH   DFND 0 148 0 0
UNITEDHEALTH GROUP INC Com 91324P102   933,838 1,976 SH   SOLE 0 1,976 0 0
UNITEDHEALTH GROUP INC Com 91324P102   96,881 205 SH   DFND 0 205 0 0
VALERO ENERGY CORP Com 91913Y100   825,176 5,911 SH   SOLE 0 5,911 0 0
VALERO ENERGY CORP Com 91913Y100   46,068 330 SH   DFND 0 330 0 0
VANECK VECTORS SEMICONDUCTOR ETF Com 92189F676   343,463 1,305 SH   SOLE 0 1,305 0 0
VANGUARD DIVIDEND APPREC ETF Com 921908844   5,326,590 34,586 SH   SOLE 0 34,586 0 0
VANGUARD DIVIDEND APPREC ETF Com 921908844   49,283 320 SH   DFND 0 320 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF Com 921943858   1,408,717 31,187 SH   SOLE 0 31,187 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF Com 921943858   45,170 1,000 SH   DFND 0 1,000 0 0
VANGUARD HIGH DVD YIELD ETF Com 921946406   2,853,459 27,047 SH   SOLE 0 27,047 0 0
VANGUARD HIGH DVD YIELD ETF Com 921946406   339,394 3,217 SH   DFND 0 3,217 0 0
VANGUARD INTL HIGH DIVIDEND YIELD ETF Com 921946794   2,384,332 38,488 SH   SOLE 0 38,488 0 0
VANGUARD INTL HIGH DIVIDEND YIELD ETF Com 921946794   24,780 400 SH   DFND 0 400 0 0
VANGUARD INTL DIVIDEND APPRECIATION ETF Com 921946810   8,497,146 115,325 SH   SOLE 0 115,325 0 0
VANGUARD INTL DIVIDEND APPRECIATION ETF Com 921946810   172,264 2,338 SH   DFND 0 2,338 0 0
VANGUARD ULTRA-SHORT BOND ETF Com 92203C303   939,844 19,087 SH   SOLE 0 19,087 0 0
VANGUARD GLBL EX-US REAL EST Com 922042676   462,214 11,393 SH   SOLE 0 11,393 0 0
VANGUARD GLBL EX-US REAL EST Com 922042676   2,434 60 SH   DFND 0 60 0 0
VANGUARD FTSE ALL-WORLD EX-US Com 922042775   1,456,844 27,246 SH   SOLE 0 27,246 0 0
VANGUARD FTSE EMERGING MARKETS ETF Com 922042858   387,153 9,583 SH   SOLE 0 9,583 0 0
VANGUARD FTSE EMERGING MARKETS ETF Com 922042858   52,318 1,295 SH   DFND 0 1,295 0 0
VANGUARD INTL EQUITY INDEX PACIFIC ETF Com 922042866   959,721 14,151 SH   SOLE 0 14,151 0 0
VANGUARD INTL EQUITY INDEX FD FTSE EUROPE ETF Com 922042874   376,793 6,182 SH   SOLE 0 6,182 0 0
VANGUARD HEALTH CARE ETF Com 92204A504   295,452 1,239 SH   SOLE 0 1,239 0 0
VANGUARD SHORT TERM GOVERNMENT BOND ETF Com 92206C102   13,876,087 237,036 SH   SOLE 0 237,036 0 0
VANGUARD SHORT TERM GOVERNMENT BOND ETF Com 92206C102   1,006,244 17,189 SH   DFND 0 17,189 0 0
VANGUARD SHORT-TERM CORP BO Com 92206C409   13,614,830 178,602 SH   SOLE 0 178,562 0 40
VANGUARD SHORT-TERM CORP BO Com 92206C409   1,222,424 16,036 SH   DFND 0 16,036 0 0
VANGUARD S&P 500 ETF Com 922908363   1,508,041 4,010 SH   SOLE 0 4,010 0 0
VANGUARD S&P 500 ETF Com 922908363   99,282 264 SH   DFND 0 264 0 0
VANGUARD REAL ESTATE ETF Com 922908553   853,900 10,283 SH   SOLE 0 10,218 0 65
VANGUARD REAL ESTATE ETF Com 922908553   125,473 1,511 SH   DFND 0 1,511 0 0
VANGUARD IND FD MID-CAP Com 922908629   684,435 3,245 SH   SOLE 0 3,245 0 0
VANGUARD EXTENDED MARKET ETF Com 922908652   666,230 4,752 SH   SOLE 0 4,752 0 0
VANGUARD EXTENDED MARKET ETF Com 922908652   56,501 403 SH   DFND 0 403 0 0
VANGUARD VALUE INDEX FUND ETF Com 922908744   1,108,885 8,029 SH   SOLE 0 8,029 0 0
VANGUARD VALUE INDEX FUND ETF Com 922908744   9,668 70 SH   DFND 0 70 0 0
VANGUARD SMALL-CAP ETF Com 922908751   464,043 2,448 SH   SOLE 0 2,448 0 0
VERIZON COMMUNICATIONS INC Com 92343V104   2,047,714 52,654 SH   SOLE 0 52,654 0 0
VERIZON COMMUNICATIONS INC Com 92343V104   180,994 4,654 SH   DFND 0 4,654 0 0
VISA INC-CLASS A SHARES Com 92826C839   2,524,250 11,196 SH   SOLE 0 11,196 0 0
VISA INC-CLASS A SHARES Com 92826C839   5,637 25 SH   DFND 0 25 0 0
WALMART INC Com 931142103   1,035,984 7,026 SH   SOLE 0 7,026 0 0
WALMART INC Com 931142103   361,253 2,450 SH   DFND 0 2,450 0 0
WALGREENS BOOTS ALLIANCE INC Com 931427108   389,786 11,272 SH   SOLE 0 11,272 0 0
WALGREENS BOOTS ALLIANCE INC Com 931427108   55,328 1,600 SH   DFND 0 1,600 0 0
WASTE MGMT INC Com 94106L109   785,827 4,816 SH   SOLE 0 4,816 0 0
WELLS FARGO & CO Com 949746101   426,992 11,423 SH   SOLE 0 11,423 0 0
WELLS FARGO & CO Com 949746101   76,255 2,040 SH   DFND 0 2,040 0 0
WELLS FARGO CO NEW PERP PFD CNV A Pfd Stk 949746804   213,213 185 SH   SOLE 0 185 0 0
WISDOMTREE EMERGING MARKETS Com 97717W315   478,058 12,627 SH   SOLE 0 12,627 0 0
WISDOM TREE SMALL CAP DIVIDEND Com 97717W604   330,154 11,560 SH   SOLE 0 11,560 0 0
WISDOMTREE EM EX-STATE-OWNED ENTERPRISES Com 97717X578   772,198 27,737 SH   SOLE 0 27,737 0 0
WISDOMTREE EM EX-STATE-OWNED ENTERPRISES Com 97717X578   69,878 2,510 SH   DFND 0 2,510 0 0
WISDOMTREE US QUALITY DIVID Com 97717X669   952,992 15,287 SH   SOLE 0 15,287 0 0
XYLEM INC Com 98419M100   210,238 2,008 SH   SOLE 0 2,008 0 0
ZIMMER BIOMET HOLDINGS INC Com 98956P102   217,056 1,680 SH   SOLE 0 1,680 0 0
ZIMMER BIOMET HOLDINGS INC Com 98956P102   46,512 360 SH   DFND 0 360 0 0
ZOETIS INC CL A Com 98978V103   363,671 2,185 SH   SOLE 0 2,185 0 0
ACCENTURE PLC-CL A Com G1151C101   1,439,339 5,036 SH   SOLE 0 5,036 0 0
ACCENTURE PLC-CL A Com G1151C101   188,635 660 SH   DFND 0 660 0 0
EATON CORP PLC Com G29183103   472,898 2,760 SH   SOLE 0 2,760 0 0
EATON CORP PLC Com G29183103   640,812 3,740 SH   DFND 0 3,740 0 0
JOHNSON CONTROLS INTERNATIONAL Com G51502105   1,018,260 16,909 SH   SOLE 0 16,909 0 0
JOHNSON CONTROLS INTERNATIONAL Com G51502105   287,490 4,774 SH   DFND 0 4,774 0 0
MEDTRONIC PLC Com G5960L103   504,520 6,258 SH   SOLE 0 6,258 0 0
MEDTRONIC PLC Com G5960L103   28,136 349 SH   DFND 0 349 0 0
APTIV PLC Com G6095L109   237,506 2,117 SH   SOLE 0 2,117 0 0
TRANE TECHNOLOGIES PLC Com G8994E103   998,643 5,428 SH   SOLE 0 5,428 0 0
TRANE TECHNOLOGIES PLC Com G8994E103   228,135 1,240 SH   DFND 0 1,240 0 0
CHUBB LTD Com H1467J104   524,092 2,699 SH   SOLE 0 2,699 0 0
CHUBB LTD Com H1467J104   15,534 80 SH   DFND 0 80 0 0