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
ABBVIE INC Com 00287Y109   3,341,573 24,802 SH   SOLE 0 24,802 0 0
ABBVIE INC Com 00287Y109   969,787 7,198 SH   DFND 0 7,198 0 0
ADOBE SYSTEMS INC Com 00724F101   918,323 1,878 SH   SOLE 0 1,878 0 0
ADOBE SYSTEMS INC Com 00724F101   158,922 325 SH   DFND 0 325 0 0
ALPHABET INC-CL C Com 02079K107   1,062,117 8,780 SH   SOLE 0 8,780 0 0
ALPHABET INC-CL C Com 02079K107   991,954 8,200 SH   DFND 0 8,200 0 0
ALPHABET INC-CL A Com 02079K305   3,752,715 31,351 SH   SOLE 0 31,351 0 0
ALPHABET INC-CL A Com 02079K305   1,226,925 10,250 SH   DFND 0 10,250 0 0
ALTRIA GROUP INC Com 02209S103   235,560 5,200 SH   SOLE 0 5,200 0 0
ALTRIA GROUP INC Com 02209S103   232,434 5,131 SH   DFND 0 5,131 0 0
AMERIPRISE FINANCIAL INC Com 03076C106   930,380 2,801 SH   SOLE 0 2,801 0 0
ANALOG DEVICES INC Com 032654105   71,495 367 SH   SOLE 0 367 0 0
ANALOG DEVICES INC Com 032654105   232,993 1,196 SH   DFND 0 1,196 0 0
ASTRAZENECA PLC ADR Com 046353108   309,755 4,328 SH   SOLE 0 4,328 0 0
Bank of America Pfd Stk 060505EH3   246,875 250,000 SH   SOLE 0 250,000 0 0
Bank Amer Corp Pfd Stk 060505EU4   99,725 100,000 SH   SOLE 0 100,000 0 0
BLACKROCK INC Com 09247X101   1,205,348 1,744 SH   SOLE 0 1,744 0 0
BLACKROCK INC Com 09247X101   136,846 198 SH   DFND 0 198 0 0
BLACKSTONE INC Com 09260D107   309,962 3,334 SH   SOLE 0 3,334 0 0
BRISTOL-MYERS SQUIBB CO Com 110122108   687,079 10,744 SH   SOLE 0 10,744 0 0
BRISTOL-MYERS SQUIBB CO Com 110122108   593,968 9,288 SH   DFND 0 9,288 0 0
BROADCOM INC Com 11135F101   649,705 749 SH   SOLE 0 749 0 0
BROADCOM INC Com 11135F101   359,983 415 SH   DFND 0 415 0 0
CF INDUSTRIES HOLDINGS INC Com 125269100   607,425 8,750 SH   SOLE 0 8,750 0 0
CVS HEALTH CORP Com 126650100   1,530,676 22,142 SH   SOLE 0 22,142 0 0
CVS HEALTH CORP Com 126650100   193,564 2,800 SH   DFND 0 2,800 0 0
CAPITAL ONE FINANCIAL CORP Com 14040H105   382,248 3,495 SH   SOLE 0 3,495 0 0
CAPITAL ONE FINANCIAL CORP Com 14040H105   10,937 100 SH   DFND 0 100 0 0
CARLISLE COS INC Com 142339100   1,428,103 5,567 SH   SOLE 0 0 0 5,567
CARRIER GLOBAL CORPORATION Com 14448C104   596,421 11,998 SH   SOLE 0 10,326 0 1,672
CARRIER GLOBAL CORPORATION Com 14448C104   43,248 870 SH   DFND 0 870 0 0
CATERPILLAR INC Com 149123101   704,933 2,865 SH   SOLE 0 2,865 0 0
CATERPILLAR INC Com 149123101   110,723 450 SH   DFND 0 450 0 0
CHEVRON CORP Com 166764100   3,742,412 23,784 SH   SOLE 0 22,041 0 1,743
CHEVRON CORP Com 166764100   271,114 1,723 SH   DFND 0 1,723 0 0
CISCO SYSTEMS INC Com 17275R102   1,296,915 25,066 SH   SOLE 0 25,066 0 0
CISCO SYSTEMS INC Com 17275R102   447,965 8,658 SH   DFND 0 8,658 0 0
CITIGROUP INC Com 172967424   463,254 10,062 SH   SOLE 0 10,062 0 0
CLOROX COMPANY Com 189054109   208,342 1,310 SH   SOLE 0 1,310 0 0
COCA-COLA CO/THE Com 191216100   6,701,944 111,291 SH   SOLE 0 111,291 0 0
COCA-COLA CO/THE Com 191216100   159,342 2,646 SH   DFND 0 2,646 0 0
COGNIZANT TECH SOLUTIONS-A Com 192446102   30,682 470 SH   SOLE 0 470 0 0
COGNIZANT TECH SOLUTIONS-A Com 192446102   240,230 3,680 SH   DFND 0 3,680 0 0
COMCAST CORP-CLASS A Com 20030N101   228,026 5,488 SH   SOLE 0 5,488 0 0
COMCAST CORP-CLASS A Com 20030N101   28,088 676 SH   DFND 0 676 0 0
CONOCOPHILLIPS Com 20825C104   1,207,367 11,653 SH   SOLE 0 11,653 0 0
COSTCO WHOLESALE CORP Com 22160K105   5,044,621 9,370 SH   SOLE 0 9,370 0 0
COSTCO WHOLESALE CORP Com 22160K105   397,324 738 SH   DFND 0 738 0 0
CUMMINS INC Com 231021106   915,673 3,735 SH   SOLE 0 3,735 0 0
DTE ENERGY COMPANY Com 233331107   476,937 4,335 SH   SOLE 0 4,335 0 0
DANAHER CORP Com 235851102   832,320 3,468 SH   SOLE 0 3,468 0 0
DANAHER CORP Com 235851102   5,280 22 SH   DFND 0 22 0 0
DARDEN RESTAURANTS INC Com 237194105   230,905 1,382 SH   SOLE 0 1,382 0 0
DEERE & CO Com 244199105   1,302,686 3,215 SH   SOLE 0 3,215 0 0
DEERE & CO Com 244199105   263,374 650 SH   DFND 0 650 0 0
WALT DISNEY CO/THE Com 254687106   1,575,256 17,644 SH   SOLE 0 17,644 0 0
WALT DISNEY CO/THE Com 254687106   20,981 235 SH   DFND 0 235 0 0
ETFMG PRIME CYBER SECURITY ETF Com 26924G201   407,675 8,060 SH   SOLE 0 8,060 0 0
ETFMG PRIME CYBER SECURITY ETF Com 26924G201   72,329 1,430 SH   DFND 0 1,430 0 0
ECOLAB INC Com 278865100   1,250,823 6,700 SH   SOLE 0 6,700 0 0
EMERSON ELECTRIC CO Com 291011104   779,704 8,626 SH   SOLE 0 8,626 0 0
EMERSON ELECTRIC CO Com 291011104   319,077 3,530 SH   DFND 0 3,530 0 0
ENBRIDGE INC Com 29250N105   1,211,313 32,606 SH   SOLE 0 32,606 0 0
ENBRIDGE INC Com 29250N105   261,610 7,042 SH   DFND 0 7,042 0 0
EXXON MOBIL CORP Com 30231G102   1,840,839 17,164 SH   SOLE 0 15,377 0 1,787
EXXON MOBIL CORP Com 30231G102   1,509,115 14,071 SH   DFND 0 14,071 0 0
META PLATFORMS INC Com 30303M102   919,771 3,205 SH   SOLE 0 3,205 0 0
FEDEX CORP Com 31428X106   602,645 2,431 SH   SOLE 0 2,431 0 0
FEDEX CORP Com 31428X106   571,410 2,305 SH   DFND 0 2,305 0 0
FISERV INC Com 337738108   1,307,545 10,365 SH   SOLE 0 10,365 0 0
FORD MOTOR CO Com 345370860   387,328 25,600 SH   DFND 0 25,600 0 0
FRANKLIN CALIF TAX FREE INCOME Com 352518104   785,457 115,849 SH   SOLE 0 115,849 0 0
GENERAL DYNAMICS CORP Com 369550108   316,701 1,472 SH   SOLE 0 1,472 0 0
GENERAL MILLS INC Com 370334104   538,511 7,021 SH   SOLE 0 7,021 0 0
GENERAL MILLS INC Com 370334104   85,904 1,120 SH   DFND 0 1,120 0 0
GILEAD SCIENCES INC Com 375558103   417,411 5,416 SH   SOLE 0 5,416 0 0
GILEAD SCIENCES INC Com 375558103   31,984 415 SH   DFND 0 415 0 0
GLOBAL X S&P 500 CATHOLIC VALUES ETF Com 37954Y889   336,984 6,190 SH   SOLE 0 6,190 0 0
GOLDMAN SACHS GROUP INC Com 38141G104   777,966 2,412 SH   SOLE 0 2,412 0 0
GOLDMAN SACHS GROUP INC Com 38141G104   51,606 160 SH   DFND 0 160 0 0
GOLDMAN ACTIVEBETA US LC ETF Com 381430503   817,128 9,360 SH   SOLE 0 9,360 0 0
WW GRAINGER INC Com 384802104   22,081 28 SH   SOLE 0 28 0 0
WW GRAINGER INC Com 384802104   1,401,324 1,777 SH   DFND 0 1,777 0 0
HP INC Com 40434L105   233,887 7,616 SH   SOLE 0 7,616 0 0
HOME DEPOT INC Com 437076102   962,984 3,100 SH   SOLE 0 3,100 0 0
HOME DEPOT INC Com 437076102   598,293 1,926 SH   DFND 0 1,926 0 0
HONEYWELL INTERNATIONAL INC Com 438516106   1,150,588 5,545 SH   SOLE 0 5,545 0 0
HONEYWELL INTERNATIONAL INC Com 438516106   192,768 929 SH   DFND 0 929 0 0
ILLINOIS TOOL WORKS Com 452308109   873,309 3,491 SH   SOLE 0 3,491 0 0
ILLINOIS TOOL WORKS Com 452308109   17,511 70 SH   DFND 0 70 0 0
INTEL CORP Com 458140100   240,099 7,180 SH   SOLE 0 7,180 0 0
INTEL CORP Com 458140100   194,788 5,825 SH   DFND 0 5,825 0 0
INTL BUSINESS MACHINES CORP Com 459200101   920,211 6,877 SH   SOLE 0 6,477 0 400
INTL BUSINESS MACHINES CORP Com 459200101   334,525 2,500 SH   DFND 0 2,500 0 0
INVESCO QQQ TRUST Com 46090E103   3,810,198 10,314 SH   SOLE 0 10,314 0 0
INVESCO QQQ TRUST Com 46090E103   106,024 287 SH   DFND 0 287 0 0
INVESCO S&P SMALLCAP HEALTH CARE ETF Com 46138E149   1,034,963 7,763 SH   SOLE 0 7,763 0 0
INVESCO S&P SMALLCAP HEALTH CARE ETF Com 46138E149   91,191 684 SH   DFND 0 684 0 0
INVITATION HOMES INC Com 46187W107   321,778 9,354 SH   SOLE 0 9,354 0 0
INVITATION HOMES INC Com 46187W107   89,440 2,600 SH   DFND 0 2,600 0 0
ISHARES CORE S&P US STOCK MARKET ETF Com 464287150   2,332,799 23,843 SH   SOLE 0 23,843 0 0
ISHARES CORE S&P US STOCK MARKET ETF Com 464287150   625,589 6,394 SH   DFND 0 6,394 0 0
ISHARES DJ SELECT DIVIDEND ETF Com 464287168   2,412,270 21,291 SH   SOLE 0 21,291 0 0
ISHARES DJ SELECT DIVIDEND ETF Com 464287168   69,113 610 SH   DFND 0 610 0 0
ISHARES CORE S&P 500 ETF Com 464287200   8,885,229 19,935 SH   SOLE 0 19,935 0 0
ISHARES CORE S&P 500 ETF Com 464287200   553,572 1,242 SH   DFND 0 1,242 0 0
ISHARES S&P GLOBAL TECHNOLOGY SECTOR Com 464287291   1,241,561 19,964 SH   SOLE 0 19,964 0 0
ISHARES S&P 500 GROWTH ETF Com 464287309   1,849,043 26,235 SH   SOLE 0 26,235 0 0
ISHARES S&P 500 VALUE ETF Com 464287408   1,291,293 8,011 SH   SOLE 0 8,011 0 0
ISHARES MSCI EAFE ETF Com 464287465   2,355,670 32,492 SH   SOLE 0 32,492 0 0
ISHARES MSCI EAFE ETF Com 464287465   3,045 42 SH   DFND 0 42 0 0
ISHARES RUSSELL MIDCAP VALUE ETF Com 464287473   164,430 1,497 SH   SOLE 0 1,497 0 0
ISHARES RUSSELL MIDCAP VALUE ETF Com 464287473   85,236 776 SH   DFND 0 776 0 0
ISHARES RUSSELL MIDCAP ETF Com 464287499   1,612,356 22,078 SH   SOLE 0 22,078 0 0
ISHARES RUSSELL MIDCAP ETF Com 464287499   205,360 2,812 SH   DFND 0 2,812 0 0
ISHARES CORE S&P MID-CAP ETF Com 464287507   9,948,007 38,045 SH   SOLE 0 38,045 0 0
ISHARES CORE S&P MID-CAP ETF Com 464287507   435,103 1,664 SH   DFND 0 1,664 0 0
ISHARES RUSSELL 1000 VALUE ETF Com 464287598   10,839,449 68,678 SH   SOLE 0 68,678 0 0
ISHARES RUSSELL 1000 VALUE ETF Com 464287598   277,939 1,761 SH   DFND 0 1,761 0 0
ISHARES S&P MIDCAP 400/GRWTH ETF Com 464287606   461,550 6,154 SH   SOLE 0 6,154 0 0
ISHARES S&P MIDCAP 400/GRWTH ETF Com 464287606   228,900 3,052 SH   DFND 0 3,052 0 0
ISHARES RUSSELL 1000 GROWTH ETF Com 464287614   23,214,735 84,362 SH   SOLE 0 84,362 0 0
ISHARES RUSSELL 1000 GROWTH ETF Com 464287614   1,394,337 5,067 SH   DFND 0 5,067 0 0
ISHARES RUSSELL 1000 ETF Com 464287622   2,254,108 9,248 SH   SOLE 0 9,248 0 0
ISHARES RUSSELL 2000 VALUE ETF Com 464287630   174,592 1,240 SH   SOLE 0 1,240 0 0
ISHARES RUSSELL 2000 VALUE ETF Com 464287630   37,312 265 SH   DFND 0 265 0 0
ISHARES RUSSELL 2000 GROWTH ETF Com 464287648   3,868,971 15,944 SH   SOLE 0 15,944 0 0
ISHARES RUSSELL 2000 GROWTH ETF Com 464287648   72,798 300 SH   DFND 0 300 0 0
ISHARES RUSSELL 2000 ETF Com 464287655   1,366,696 7,298 SH   SOLE 0 7,298 0 0
ISHARES RUSSELL 2000 ETF Com 464287655   255,998 1,367 SH   DFND 0 1,367 0 0
ISHARES S&P MIDCAP 400/VALUE ETF Com 464287705   369,599 3,450 SH   SOLE 0 3,450 0 0
ISHARES S&P MIDCAP 400/VALUE ETF Com 464287705   205,690 1,920 SH   DFND 0 1,920 0 0
ISHARES DJ US TECHNOLOGY SEC ETF Com 464287721   3,524,231 32,371 SH   SOLE 0 32,371 0 0
ISHARES DJ US TECHNOLOGY SEC ETF Com 464287721   175,172 1,609 SH   DFND 0 1,609 0 0
ISHARES DOW JONES US ENERGY SECTOR FUND Com 464287796   639,944 14,938 SH   SOLE 0 14,938 0 0
ISHARES CORE S&P SMALL-CAP ETF Com 464287804   6,462,004 64,847 SH   SOLE 0 64,847 0 0
ISHARES CORE S&P SMALL-CAP ETF Com 464287804   211,059 2,118 SH   DFND 0 2,118 0 0
ISHARES S&P SMALLCAP 600/VAL ETF Com 464287879   152,144 1,600 SH   SOLE 0 1,600 0 0
ISHARES S&P SMALLCAP 600/VAL ETF Com 464287879   190,180 2,000 SH   DFND 0 2,000 0 0
ISHARES S&P SMALLCAP/600 GROWTH ETF Com 464287887   418,805 3,644 SH   SOLE 0 3,644 0 0
ISHARES S&P SMALLCAP/600 GROWTH ETF Com 464287887   244,111 2,124 SH   DFND 0 2,124 0 0
ISHARES TR AGENCY BOND ETF Com 464288166   1,285,092 12,014 SH   SOLE 0 12,014 0 0
ISHARES TR AGENCY BOND ETF Com 464288166   88,140 824 SH   DFND 0 824 0 0
ISHARES TR GL CLEAN ENERGY ETF Com 464288224   899,337 48,877 SH   SOLE 0 48,877 0 0
ISHARES MSCI ACWI ETF Com 464288257   1,066,661 11,118 SH   SOLE 0 11,118 0 0
ISHARES JPMORGAN USD EMERGING MKTS BOND ETF Com 464288281   360,872 4,170 SH   SOLE 0 4,170 0 0
ISHARES JPMORGAN USD EMERGING MKTS BOND ETF Com 464288281   122,800 1,419 SH   DFND 0 1,419 0 0
ISHARES S&P GLOBAL INFRASTRUCTURE INDEX FUND Com 464288372   643,778 13,712 SH   SOLE 0 13,712 0 0
ISHARES S&P GLOBAL INFRASTRUCTURE INDEX FUND Com 464288372   65,026 1,385 SH   DFND 0 1,385 0 0
ISHARES TR MBS ETF Com 464288588   1,346,280 14,435 SH   SOLE 0 14,330 0 105
ISHARES TR MBS ETF Com 464288588   122,270 1,311 SH   DFND 0 1,311 0 0
ISHARES BROAD USD INVT GRADE CORP BD ETF Com 464288620   1,812,657 36,188 SH   SOLE 0 36,188 0 0
ISHARES SHORT-TERM CORPORATE BOND ETF Com 464288646   420,174 8,375 SH   SOLE 0 8,375 0 0
ISHARES BARCLAYS SHORT TREASURY BOND FUND Com 464288679   3,669,149 33,220 SH   SOLE 0 33,220 0 0
ISHARES BARCLAYS SHORT TREASURY BOND FUND Com 464288679   84,494 765 SH   DFND 0 765 0 0
ISHARES S&P PREF STK ETF Com 464288687   1,026,350 33,183 SH   SOLE 0 33,183 0 0
ISHARES DJ US MEDICAL DEVICE ETF Com 464288810   1,968,647 34,868 SH   SOLE 0 34,868 0 0
ISHARES DJ US MEDICAL DEVICE ETF Com 464288810   84,690 1,500 SH   DFND 0 1,500 0 0
ISHARES TR MSCI EAFE VALUE ETF Com 464288877   3,161,720 64,604 SH   SOLE 0 64,604 0 0
ISHARES TR EAFE GROWTH ETF Com 464288885   298,252 3,126 SH   SOLE 0 3,126 0 0
ISHARES TR EAFE GROWTH ETF Com 464288885   143,115 1,500 SH   DFND 0 1,500 0 0
ISHARES CORE US TREASURY BOND ETF Com 46429B267   9,001,761 393,090 SH   SOLE 0 393,090 0 0
ISHARES CORE US TREASURY BOND ETF Com 46429B267   946,068 41,313 SH   DFND 0 41,313 0 0
ISHARES AAA - A RATED CORPORATE BOND ETF Com 46429B291   1,536,039 32,557 SH   SOLE 0 32,557 0 0
ISHARES CORE HIGH DIVIDEND ETF Com 46429B663   238,268 2,364 SH   SOLE 0 2,364 0 0
ISHARES CORE HIGH DIVIDEND ETF Com 46429B663   95,751 950 SH   DFND 0 950 0 0
ISHARES TR MIN VOL USA ETF Com 46429B697   6,015,007 80,923 SH   SOLE 0 80,923 0 0
ISHARES TR MIN VOL USA ETF Com 46429B697   688,296 9,260 SH   DFND 0 9,260 0 0
ISHARES TR 0-5 YR TIPS ETF Com 46429B747   351,360 3,600 SH   SOLE 0 3,600 0 0
ISHARES SHORT MATURITY BOND ETF Com 46431W507   5,848,315 117,625 SH   SOLE 0 117,625 0 0
ISHARES SHORT MATURITY BOND ETF Com 46431W507   838,528 16,865 SH   DFND 0 16,865 0 0
ISHARES EDGE MSCI USA QUALITY Com 46432F339   6,953,223 51,555 SH   SOLE 0 51,555 0 0
ISHARES EDGE MSCI USA QUALITY Com 46432F339   169,127 1,254 SH   DFND 0 1,254 0 0
ISHARES EDGE MSCI USA VALUE FACTOR ETF Com 46432F388   1,475,035 15,727 SH   SOLE 0 15,727 0 0
ISHARES EDGE MSCI USA VALUE FACTOR ETF Com 46432F388   77,846 830 SH   DFND 0 830 0 0
ISHARES CORE MSCI EAFE ETF Com 46432F842   5,393,385 79,902 SH   SOLE 0 79,902 0 0
ISHARES CORE MSCI EAFE ETF Com 46432F842   1,270,080 18,816 SH   DFND 0 18,816 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF Com 46434G103   1,030,752 20,912 SH   SOLE 0 20,912 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF Com 46434G103   207,018 4,200 SH   DFND 0 4,200 0 0
ISHARES MSCI EMERGING MARKETS EX CHINA ETF Com 46434G764   3,761,689 72,368 SH   SOLE 0 72,368 0 0
ISHARES MSCI EMERGING MARKETS EX CHINA ETF Com 46434G764   300,964 5,790 SH   DFND 0 5,790 0 0
ISHARES MSCI EM ESG OPTIMIZED Com 46434G863   738,023 23,333 SH   SOLE 0 23,333 0 0
ISHARES 0-5 YEAR HIGH YIELD CORP BOND ETF Com 46434V407   781,333 18,850 SH   SOLE 0 18,850 0 0
ISHARES 0-5 YEAR HIGH YIELD CORP BOND ETF Com 46434V407   323,310 7,800 SH   DFND 0 7,800 0 0
ISHARES CORE TOTAL USD BOND MARKET ETF Com 46434V613   1,076,502 23,675 SH   SOLE 0 23,675 0 0
ISHARES TREASURY FLOATING RATE BOND ETF Com 46434V860   499,100 9,850 SH   SOLE 0 9,850 0 0
ISHARES TREASURY FLOATING RATE BOND ETF Com 46434V860   44,792 884 SH   DFND 0 884 0 0
ISHARES MSCI USA ESG OPTIMIZED ETF Com 46435G425   4,894,149 50,217 SH   SOLE 0 50,217 0 0
ISHARES MSCI USA ESG OPTIMIZED ETF Com 46435G425   68,222 700 SH   DFND 0 700 0 0
ISHARES MSCI EAFE ESG SELECT ETF Com 46435G516   2,114,095 28,988 SH   SOLE 0 28,988 0 0
ISHARES MSCI USA SMALL-CAP ESG OPTIMIZED ETF Com 46435U663   575,992 16,216 SH   SOLE 0 16,216 0 0
JPMORGAN CHASE & CO Com 46625H100   3,259,601 22,412 SH   SOLE 0 22,412 0 0
JPMORGAN CHASE & CO Com 46625H100   794,248 5,461 SH   DFND 0 5,461 0 0
JPMorgan Chase & Co Pfd Stk 46625HJQ4   350,910 350,000 SH   SOLE 0 350,000 0 0
JPMORGAN ULTRA-SHORT INCOME ETF Com 46641Q837   2,115,407 42,190 SH   SOLE 0 42,190 0 0
JPMORGAN ULTRA-SHORT INCOME ETF Com 46641Q837   31,588 630 SH   DFND 0 630 0 0
JOHNSON & JOHNSON Com 478160104   2,193,471 13,252 SH   SOLE 0 13,252 0 0
JOHNSON & JOHNSON Com 478160104   1,490,011 9,002 SH   DFND 0 9,002 0 0
KLA CORPORATION Com 482480100   281,797 581 SH   SOLE 0 581 0 0
KIMBERLY-CLARK CORP Com 494368103   641,427 4,646 SH   SOLE 0 4,646 0 0
KIMBERLY-CLARK CORP Com 494368103   28,164 204 SH   DFND 0 204 0 0
LKQ CORPORATION Com 501889208   723,655 12,419 SH   SOLE 0 12,419 0 0
ELI LILLY & CO Com 532457108   4,268,187 9,101 SH   SOLE 0 9,101 0 0
ELI LILLY & CO Com 532457108   566,997 1,209 SH   DFND 0 1,209 0 0
LOCKHEED MARTIN CORP Com 539830109   429,995 934 SH   SOLE 0 934 0 0
LOCKHEED MARTIN CORP Com 539830109   42,355 92 SH   DFND 0 92 0 0
LOWE'S COS INC Com 548661107   969,382 4,295 SH   SOLE 0 4,295 0 0
LOWE'S COS INC Com 548661107   36,112 160 SH   DFND 0 160 0 0
MASTERCARD INC-CLASS A Com 57636Q104   1,152,762 2,931 SH   SOLE 0 2,931 0 0
MCDONALD'S CORP Com 580135101   1,667,217 5,587 SH   SOLE 0 5,587 0 0
MCDONALD'S CORP Com 580135101   233,357 782 SH   DFND 0 782 0 0
MCKESSON CORP Com 58155Q103   1,223,389 2,863 SH   SOLE 0 2,863 0 0
MERCK & CO. INC. Com 58933Y105   1,014,624 8,793 SH   SOLE 0 8,793 0 0
MERCK & CO. INC. Com 58933Y105   1,136,476 9,849 SH   DFND 0 9,849 0 0
MICROSOFT CORP Com 594918104   10,484,205 30,787 SH   SOLE 0 30,787 0 0
MICROSOFT CORP Com 594918104   5,364,867 15,754 SH   DFND 0 15,754 0 0
MICRON TECHNOLOGY INC Com 595112103   408,006 6,465 SH   SOLE 0 6,465 0 0
MONDELEZ INTERNATIONAL INC-A Com 609207105   336,472 4,613 SH   SOLE 0 4,613 0 0
MONDELEZ INTERNATIONAL INC-A Com 609207105   319,915 4,386 SH   DFND 0 4,386 0 0
MOTOROLA SOLUTIONS INC Com 620076307   294,453 1,004 SH   SOLE 0 1,004 0 0
MOTOROLA SOLUTIONS INC Com 620076307   47,511 162 SH   DFND 0 162 0 0
NETFLIX INC Com 64110L106   216,721 492 SH   SOLE 0 492 0 0
NETFLIX INC Com 64110L106   8,810 20 SH   DFND 0 20 0 0
NEXTERA ENERGY INC Com 65339F101   1,210,870 16,319 SH   SOLE 0 16,319 0 0
NEXTERA ENERGY INC Com 65339F101   405,132 5,460 SH   DFND 0 5,460 0 0
NIKE INC -CL B Com 654106103   1,257,556 11,394 SH   SOLE 0 11,394 0 0
NOVARTIS AG-SPONSORED ADR Com 66987V109   376,293 3,729 SH   SOLE 0 3,729 0 0
NVIDIA CORP Com 67066G104   10,398,255 24,581 SH   SOLE 0 24,581 0 0
NVIDIA CORP Com 67066G104   904,840 2,139 SH   DFND 0 2,139 0 0
ORACLE CORP Com 68389X105   783,255 6,577 SH   SOLE 0 6,577 0 0
ORACLE CORP Com 68389X105   337,858 2,837 SH   DFND 0 2,837 0 0
PNC FINANCIAL SERVICES GROUP Com 693475105   147,991 1,175 SH   SOLE 0 1,175 0 0
PNC FINANCIAL SERVICES GROUP Com 693475105   59,197 470 SH   DFND 0 470 0 0
PALO ALTO NETWORKS INC Com 697435105   1,208,051 4,728 SH   SOLE 0 4,728 0 0
PEPSICO INC Com 713448108   967,219 5,222 SH   SOLE 0 5,222 0 0
PEPSICO INC Com 713448108   1,308,209 7,063 SH   DFND 0 7,063 0 0
PFIZER INC Com 717081103   1,657,056 45,176 SH   SOLE 0 45,176 0 0
PFIZER INC Com 717081103   285,187 7,775 SH   DFND 0 7,775 0 0
PHILIP MORRIS INTERNATIONAL Com 718172109   302,817 3,102 SH   SOLE 0 3,102 0 0
PHILIP MORRIS INTERNATIONAL Com 718172109   450,321 4,613 SH   DFND 0 4,613 0 0
PHILLIPS 66 Com 718546104   345,466 3,622 SH   SOLE 0 3,622 0 0
PHILLIPS 66 Com 718546104   14,116 148 SH   DFND 0 148 0 0
PIONEER NATURAL RESOURCES Com 723787107   575,753 2,779 SH   SOLE 0 2,779 0 0
PIONEER NATURAL RESOURCES Com 723787107   7,458 36 SH   DFND 0 36 0 0
PROCTER & GAMBLE CO/THE Com 742718109   1,870,802 12,329 SH   SOLE 0 12,329 0 0
PROCTER & GAMBLE CO/THE Com 742718109   1,245,178 8,206 SH   DFND 0 8,206 0 0
PROLOGIS INC Com 74340W103   746,449 6,087 SH   SOLE 0 6,087 0 0
PROLOGIS INC Com 74340W103   111,593 910 SH   DFND 0 910 0 0
PUBLIC SERVICE ENTERPRISE GP Com 744573106   604,562 9,656 SH   SOLE 0 9,656 0 0
PUBLIC SERVICE ENTERPRISE GP Com 744573106   38,568 616 SH   DFND 0 616 0 0
PUBLIC STORAGE Com 74460D109   459,419 1,574 SH   SOLE 0 1,574 0 0
PUBLIC STORAGE Com 74460D109   361,931 1,240 SH   DFND 0 1,240 0 0
QUALCOMM INC Com 747525103   675,314 5,673 SH   SOLE 0 5,673 0 0
QUALCOMM INC Com 747525103   76,424 642 SH   DFND 0 642 0 0
QUEST DIAGNOSTICS INC Com 74834L100   224,755 1,599 SH   SOLE 0 1,599 0 0
ROPER TECHNOLOGIES INC Com 776696106   522,630 1,087 SH   SOLE 0 1,087 0 0
ROYCE PENNSYLVANIA MUTUAL FUND Com 780905840   133,084 15,158 SH   SOLE 0 15,158 0 0
SPDR S&P 500 ETF TRUST Com 78462F103   7,832,758 17,670 SH   SOLE 0 17,670 0 0
SPDR S&P 500 ETF TRUST Com 78462F103   461,454 1,041 SH   DFND 0 1,041 0 0
SPDR GOLD TRUST Com 78463V107   984,763 5,524 SH   SOLE 0 5,524 0 0
SPDR S&P NORTH AMERICAN NATURAL RESOURCES ETF Com 78463X152   309,936 6,017 SH   SOLE 0 6,017 0 0
SPDR S&P NORTH AMERICAN NATURAL RESOURCES ETF Com 78463X152   25,652 498 SH   DFND 0 498 0 0
SPDR MSCI ACWI EX-US Com 78463X848   4,698,122 179,798 SH   SOLE 0 179,798 0 0
SPDR MSCI ACWI EX-US Com 78463X848   114,110 4,367 SH   DFND 0 4,367 0 0
SPDR BLOOMBERG CONVERTIBLE SECURITIES ETF Com 78464A359   1,664,180 23,791 SH   SOLE 0 23,791 0 0
SPDR BLOOMBERG CONVERTIBLE SECURITIES ETF Com 78464A359   104,785 1,498 SH   DFND 0 1,498 0 0
KBW BANK ETF Com 78464A797   286,200 7,950 SH   SOLE 0 7,950 0 0
KBW BANK ETF Com 78464A797   19,440 540 SH   DFND 0 540 0 0
SPDR S&P BIOTECH ETF Com 78464A870   324,480 3,900 SH   SOLE 0 3,900 0 0
SPDR S&P MIDCAP 400 ETF TRUST Com 78467Y107   1,193,444 2,492 SH   SOLE 0 2,492 0 0
SCHWAB (CHARLES) CORP Com 808513105   933,973 16,478 SH   SOLE 0 16,478 0 0
CHARLES SCHWAB CORP Pfd Stk 808513BD6   95,572 100,000 SH   SOLE 0 100,000 0 0
MATERIALS SELECT SPDR FUND Com 81369Y100   962,452 11,614 SH   SOLE 0 11,614 0 0
MATERIALS SELECT SPDR FUND Com 81369Y100   107,731 1,300 SH   DFND 0 1,300 0 0
HEALTH CARE SELECT SECTOR SPDR Com 81369Y209   2,962,268 22,318 SH   SOLE 0 22,318 0 0
HEALTH CARE SELECT SECTOR SPDR Com 81369Y209   86,275 650 SH   DFND 0 650 0 0
CONSUMER STAPLES SELECT SECTOR SPDR Com 81369Y308   861,114 11,610 SH   SOLE 0 11,610 0 0
CONSUMER DISCRETIONARY SELT Com 81369Y407   1,526,762 8,991 SH   SOLE 0 8,991 0 0
ENERGY SELECT SECTOR SPDR Com 81369Y506   766,407 9,442 SH   SOLE 0 9,442 0 0
ENERGY SELECT SECTOR SPDR Com 81369Y506   171,350 2,111 SH   DFND 0 2,111 0 0
FINANCIAL SELECT SECTOR SPDR Com 81369Y605   940,003 27,885 SH   SOLE 0 27,885 0 0
INDUSTRIAL SELECT SECTOR SPDR ETF Com 81369Y704   305,325 2,845 SH   SOLE 0 2,845 0 0
TECHNOLOGY SELECT SECT SPDR Com 81369Y803   256,270 1,474 SH   SOLE 0 1,474 0 0
UTILITIES SELECT SECTOR SPDR Com 81369Y886   1,207,106 18,446 SH   SOLE 0 18,446 0 0
UTILITIES SELECT SECTOR SPDR Com 81369Y886   323,012 4,936 SH   DFND 0 4,936 0 0
SOUTHERN CO/THE Com 842587107   286,058 4,072 SH   SOLE 0 4,072 0 0
SOUTHERN CO/THE Com 842587107   120,479 1,715 SH   DFND 0 1,715 0 0
STARBUCKS CORP Com 855244109   667,664 6,740 SH   SOLE 0 6,740 0 0
Alta Properties, Inc. Com 863012544   181,626 24,544 SH   DFND 0 24,544 0 0
STRYKER CORP Com 863667101   910,694 2,985 SH   SOLE 0 2,985 0 0
TJX COMPANIES INC Com 872540109   409,366 4,828 SH   SOLE 0 4,828 0 0
T-MOBILE US INC Com 872590104   275,578 1,984 SH   SOLE 0 1,984 0 0
TAIWAN SEMICONDUCTOR-SP ADR Com 874039100   854,389 8,466 SH   SOLE 0 8,466 0 0
TAIWAN SEMICONDUCTOR-SP ADR Com 874039100   34,918 346 SH   DFND 0 346 0 0
TEXAS INSTRUMENTS INC Com 882508104   287,672 1,598 SH   SOLE 0 1,598 0 0
TEXAS INSTRUMENTS INC Com 882508104   131,775 732 SH   DFND 0 732 0 0
THERMO FISHER SCIENTIFIC INC Com 883556102   2,267,526 4,346 SH   SOLE 0 4,346 0 0
3M CO Com 88579Y101   403,863 4,035 SH   SOLE 0 4,035 0 0
3M CO Com 88579Y101   317,285 3,170 SH   DFND 0 3,170 0 0
TOYOTA MOTOR CORP -SPON ADR Com 892331307   329,538 2,050 SH   SOLE 0 2,050 0 0
TOYOTA MOTOR CORP -SPON ADR Com 892331307   17,683 110 SH   DFND 0 110 0 0
US BANCORP Com 902973304   243,340 7,365 SH   SOLE 0 7,365 0 0
US BANCORP Com 902973304   27,093 820 SH   DFND 0 820 0 0
UNION PACIFIC CORP Com 907818108   1,384,459 6,766 SH   SOLE 0 6,766 0 0
UNION PACIFIC CORP Com 907818108   564,751 2,760 SH   DFND 0 2,760 0 0
UNITED PARCEL SERVICE-CL B Com 911312106   580,053 3,236 SH   SOLE 0 3,236 0 0
UNITED PARCEL SERVICE-CL B Com 911312106   26,529 148 SH   DFND 0 148 0 0
UNITEDHEALTH GROUP INC Com 91324P102   971,854 2,022 SH   SOLE 0 2,022 0 0
UNITEDHEALTH GROUP INC Com 91324P102   81,228 169 SH   DFND 0 169 0 0
VALERO ENERGY CORP Com 91913Y100   699,460 5,963 SH   SOLE 0 5,963 0 0
VALERO ENERGY CORP Com 91913Y100   38,709 330 SH   DFND 0 330 0 0
VANECK VECTORS SEMICONDUCTOR ETF Com 92189F676   418,688 2,750 SH   SOLE 0 2,750 0 0
VANGUARD DIVIDEND APPREC ETF Com 921908844   5,592,790 34,432 SH   SOLE 0 34,432 0 0
VANGUARD DIVIDEND APPREC ETF Com 921908844   51,978 320 SH   DFND 0 320 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF Com 921943858   1,762,922 38,175 SH   SOLE 0 38,175 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF Com 921943858   46,180 1,000 SH   DFND 0 1,000 0 0
VANGUARD HIGH DVD YIELD ETF Com 921946406   2,905,469 27,392 SH   SOLE 0 27,392 0 0
VANGUARD HIGH DVD YIELD ETF Com 921946406   341,227 3,217 SH   DFND 0 3,217 0 0
VANGUARD INTL HIGH DIVIDEND YIELD ETF Com 921946794   2,572,556 40,705 SH   SOLE 0 40,705 0 0
VANGUARD INTL HIGH DIVIDEND YIELD ETF Com 921946794   25,280 400 SH   DFND 0 400 0 0
VANGUARD INTL DIVIDEND APPRECIATION ETF Com 921946810   9,435,960 125,662 SH   SOLE 0 125,662 0 0
VANGUARD INTL DIVIDEND APPRECIATION ETF Com 921946810   175,560 2,338 SH   DFND 0 2,338 0 0
VANGUARD ULTRA-SHORT BOND ETF Com 92203C303   216,501 4,404 SH   SOLE 0 4,404 0 0
VANGUARD ULTRA-SHORT BOND ETF Com 92203C303   51,962 1,057 SH   DFND 0 1,057 0 0
VANGUARD GLBL EX-US REAL EST Com 922042676   448,842 11,168 SH   SOLE 0 11,168 0 0
VANGUARD GLBL EX-US REAL EST Com 922042676   2,411 60 SH   DFND 0 60 0 0
VANGUARD FTSE ALL-WORLD EX-US Com 922042775   1,482,455 27,246 SH   SOLE 0 27,246 0 0
VANGUARD FTSE EMERGING MARKETS ETF Com 922042858   411,071 10,105 SH   SOLE 0 10,105 0 0
VANGUARD FTSE EMERGING MARKETS ETF Com 922042858   46,782 1,150 SH   DFND 0 1,150 0 0
VANGUARD INTL EQUITY INDEX PACIFIC ETF Com 922042866   1,112,801 15,961 SH   SOLE 0 15,961 0 0
VANGUARD INTL EQUITY INDEX FD FTSE EUROPE ETF Com 922042874   1,233,815 19,997 SH   SOLE 0 19,997 0 0
VANGUARD HEALTH CARE ETF Com 92204A504   253,144 1,034 SH   SOLE 0 1,034 0 0
VANGUARD SHORT TERM GOVERNMENT BOND ETF Com 92206C102   13,737,142 237,955 SH   SOLE 0 237,955 0 0
VANGUARD SHORT TERM GOVERNMENT BOND ETF Com 92206C102   992,436 17,191 SH   DFND 0 17,191 0 0
VANGUARD SHORT-TERM CORP BO Com 92206C409   11,370,185 150,280 SH   SOLE 0 150,240 0 40
VANGUARD SHORT-TERM CORP BO Com 92206C409   1,220,244 16,128 SH   DFND 0 16,128 0 0
VANGUARD S&P 500 ETF Com 922908363   1,666,182 4,091 SH   SOLE 0 4,091 0 0
VANGUARD S&P 500 ETF Com 922908363   118,111 290 SH   DFND 0 290 0 0
VANGUARD REAL ESTATE ETF Com 922908553   840,196 10,055 SH   SOLE 0 9,990 0 65
VANGUARD REAL ESTATE ETF Com 922908553   126,259 1,511 SH   DFND 0 1,511 0 0
VANGUARD IND FD MID-CAP Com 922908629   758,011 3,443 SH   SOLE 0 3,443 0 0
VANGUARD EXTENDED MARKET ETF Com 922908652   709,473 4,767 SH   SOLE 0 4,767 0 0
VANGUARD EXTENDED MARKET ETF Com 922908652   92,572 622 SH   DFND 0 622 0 0
VANGUARD VALUE INDEX FUND ETF Com 922908744   1,086,355 7,645 SH   SOLE 0 7,645 0 0
VANGUARD VALUE INDEX FUND ETF Com 922908744   9,947 70 SH   DFND 0 70 0 0
VANGUARD SMALL-CAP ETF Com 922908751   479,922 2,413 SH   SOLE 0 2,413 0 0
VANGUARD TOTAL STOCK MARKET ETF Com 922908769   295,175 1,340 SH   SOLE 0 1,340 0 0
VERIZON COMMUNICATIONS INC Com 92343V104   1,689,207 45,421 SH   SOLE 0 45,421 0 0
VERIZON COMMUNICATIONS INC Com 92343V104   166,760 4,484 SH   DFND 0 4,484 0 0
VISA INC-CLASS A SHARES Com 92826C839   2,662,388 11,211 SH   SOLE 0 11,211 0 0
VISA INC-CLASS A SHARES Com 92826C839   5,937 25 SH   DFND 0 25 0 0
WALMART INC Com 931142103   1,033,616 6,576 SH   SOLE 0 6,576 0 0
WALMART INC Com 931142103   377,232 2,400 SH   DFND 0 2,400 0 0
WALGREENS BOOTS ALLIANCE INC Com 931427108   284,102 9,972 SH   SOLE 0 9,972 0 0
WALGREENS BOOTS ALLIANCE INC Com 931427108   45,584 1,600 SH   DFND 0 1,600 0 0
WASTE MGMT INC Com 94106L109   773,106 4,458 SH   SOLE 0 4,458 0 0
WASTE MGMT INC Com 94106L109   7,284 42 SH   DFND 0 42 0 0
WELLS FARGO & CO Com 949746101   486,637 11,402 SH   SOLE 0 11,402 0 0
WELLS FARGO & CO Com 949746101   87,067 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   472,214 12,339 SH   SOLE 0 12,339 0 0
WISDOM TREE SMALL CAP DIVIDEND Com 97717W604   324,175 11,260 SH   SOLE 0 11,260 0 0
WISDOMTREE EM EX-STATE-OWNED ENTERPRISES Com 97717X578   790,706 28,290 SH   SOLE 0 28,290 0 0
WISDOMTREE EM EX-STATE-OWNED ENTERPRISES Com 97717X578   70,155 2,510 SH   DFND 0 2,510 0 0
WISDOMTREE US QUALITY DIVID Com 97717X669   1,013,899 15,210 SH   SOLE 0 15,210 0 0
XYLEM INC Com 98419M100   203,617 1,808 SH   SOLE 0 1,808 0 0
ZIMMER BIOMET HOLDINGS INC Com 98956P102   256,838 1,764 SH   SOLE 0 1,764 0 0
ZIMMER BIOMET HOLDINGS INC Com 98956P102   59,405 408 SH   DFND 0 408 0 0
ZOETIS INC CL A Com 98978V103   387,300 2,249 SH   SOLE 0 2,249 0 0
ACCENTURE PLC-CL A Com G1151C101   1,560,489 5,057 SH   SOLE 0 5,057 0 0
ACCENTURE PLC-CL A Com G1151C101   203,663 660 SH   DFND 0 660 0 0
EATON CORP PLC Com G29183103   551,014 2,740 SH   SOLE 0 2,740 0 0
EATON CORP PLC Com G29183103   756,337 3,761 SH   DFND 0 3,761 0 0
JOHNSON CONTROLS INTERNATIONAL Com G51502105   1,139,914 16,729 SH   SOLE 0 16,729 0 0
JOHNSON CONTROLS INTERNATIONAL Com G51502105   325,300 4,774 SH   DFND 0 4,774 0 0
MEDTRONIC PLC Com G5960L103   536,617 6,091 SH   SOLE 0 6,091 0 0
MEDTRONIC PLC Com G5960L103   30,747 349 SH   DFND 0 349 0 0
APTIV PLC Com G6095L109   223,373 2,188 SH   SOLE 0 2,188 0 0
TRANE TECHNOLOGIES PLC Com G8994E103   1,036,820 5,421 SH   SOLE 0 5,421 0 0
TRANE TECHNOLOGIES PLC Com G8994E103   237,162 1,240 SH   DFND 0 1,240 0 0
CHUBB LTD Com H1467J104   510,862 2,653 SH   SOLE 0 2,653 0 0
CHUBB LTD Com H1467J104   15,405 80 SH   DFND 0 80 0 0