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   3,339,987 22,407 SH   SOLE 0 22,407 0 0
ABBVIE INC Com 00287Y109   1,072,934 7,198 SH   DFND 0 7,198 0 0
ADOBE SYSTEMS INC Com 00724F101   1,020,820 2,002 SH   SOLE 0 2,002 0 0
ADOBE SYSTEMS INC Com 00724F101   165,718 325 SH   DFND 0 325 0 0
ALPHABET INC-CL C Com 02079K107   1,157,643 8,780 SH   SOLE 0 8,780 0 0
ALPHABET INC-CL C Com 02079K107   1,081,170 8,200 SH   DFND 0 8,200 0 0
ALPHABET INC-CL A Com 02079K305   4,208,327 32,159 SH   SOLE 0 32,159 0 0
ALPHABET INC-CL A Com 02079K305   1,341,315 10,250 SH   DFND 0 10,250 0 0
ALTRIA GROUP INC Com 02209S103   197,635 4,700 SH   SOLE 0 4,700 0 0
ALTRIA GROUP INC Com 02209S103   215,759 5,131 SH   DFND 0 5,131 0 0
AMERIPRISE FINANCIAL INC Com 03076C106   1,044,426 3,168 SH   SOLE 0 3,168 0 0
ANALOG DEVICES INC Com 032654105   99,976 571 SH   SOLE 0 571 0 0
ANALOG DEVICES INC Com 032654105   209,408 1,196 SH   DFND 0 1,196 0 0
ARISTA NETWORKS INC COM Com 040413106   233,591 1,270 SH   SOLE 0 1,270 0 0
ASTRAZENECA PLC ADR Com 046353108   293,092 4,328 SH   SOLE 0 4,328 0 0
Bank of America Pfd Stk 060505EH3   246,204 250,000 SH   SOLE 0 250,000 0 0
Bank Amer Corp Pfd Stk 060505EU4   98,105 100,000 SH   SOLE 0 100,000 0 0
BLACKROCK INC Com 09247X101   1,189,542 1,840 SH   SOLE 0 1,840 0 0
BLACKROCK INC Com 09247X101   128,005 198 SH   DFND 0 198 0 0
BLACKSTONE INC Com 09260D107   478,809 4,469 SH   SOLE 0 4,469 0 0
BRISTOL-MYERS SQUIBB CO Com 110122108   577,150 9,944 SH   SOLE 0 9,944 0 0
BRISTOL-MYERS SQUIBB CO Com 110122108   539,076 9,288 SH   DFND 0 9,288 0 0
BROADCOM INC Com 11135F101   688,551 829 SH   SOLE 0 829 0 0
BROADCOM INC Com 11135F101   344,691 415 SH   DFND 0 415 0 0
CF INDUSTRIES HOLDINGS INC Com 125269100   735,906 8,583 SH   SOLE 0 8,583 0 0
CVS HEALTH CORP Com 126650100   1,349,132 19,323 SH   SOLE 0 19,323 0 0
CVS HEALTH CORP Com 126650100   90,766 1,300 SH   DFND 0 1,300 0 0
CAPITAL ONE FINANCIAL CORP Com 14040H105   338,122 3,484 SH   SOLE 0 3,484 0 0
CAPITAL ONE FINANCIAL CORP Com 14040H105   9,705 100 SH   DFND 0 100 0 0
CARLISLE COS INC Com 142339100   1,443,300 5,567 SH   SOLE 0 0 0 5,567
CARRIER GLOBAL CORPORATION Com 14448C104   546,370 9,898 SH   SOLE 0 8,226 0 1,672
CARRIER GLOBAL CORPORATION Com 14448C104   48,024 870 SH   DFND 0 870 0 0
CATERPILLAR INC Com 149123101   735,735 2,695 SH   SOLE 0 2,695 0 0
CATERPILLAR INC Com 149123101   122,850 450 SH   DFND 0 450 0 0
CHEVRON CORP Com 166764100   3,971,844 23,555 SH   SOLE 0 21,812 0 1,743
CHEVRON CORP Com 166764100   290,532 1,723 SH   DFND 0 1,723 0 0
CHIPOTLE MEXICAN GRILL INC COM Com 169656105   225,315 123 SH   SOLE 0 123 0 0
CISCO SYSTEMS INC Com 17275R102   1,332,710 24,790 SH   SOLE 0 24,790 0 0
CISCO SYSTEMS INC Com 17275R102   465,454 8,658 SH   DFND 0 8,658 0 0
CITIGROUP INC Com 172967424   401,059 9,751 SH   SOLE 0 9,751 0 0
COCA-COLA CO/THE Com 191216100   6,268,193 111,972 SH   SOLE 0 111,972 0 0
COCA-COLA CO/THE Com 191216100   148,123 2,646 SH   DFND 0 2,646 0 0
COGNIZANT TECH SOLUTIONS-A Com 192446102   31,838 470 SH   SOLE 0 470 0 0
COGNIZANT TECH SOLUTIONS-A Com 192446102   249,283 3,680 SH   DFND 0 3,680 0 0
COMCAST CORP-CLASS A Com 20030N101   243,338 5,488 SH   SOLE 0 5,488 0 0
COMCAST CORP-CLASS A Com 20030N101   29,974 676 SH   DFND 0 676 0 0
CONOCOPHILLIPS Com 20825C104   1,351,943 11,285 SH   SOLE 0 11,285 0 0
COSTCO WHOLESALE CORP Com 22160K105   5,113,453 9,051 SH   SOLE 0 9,051 0 0
COSTCO WHOLESALE CORP Com 22160K105   416,940 738 SH   DFND 0 738 0 0
CUMMINS INC Com 231021106   833,879 3,650 SH   SOLE 0 3,650 0 0
DTE ENERGY COMPANY Com 233331107   432,364 4,355 SH   SOLE 0 4,355 0 0
DANAHER CORP Com 235851102   897,626 3,618 SH   SOLE 0 3,618 0 0
DANAHER CORP Com 235851102   5,458 22 SH   DFND 0 22 0 0
DARDEN RESTAURANTS INC Com 237194105   202,800 1,416 SH   SOLE 0 1,416 0 0
DEERE & CO Com 244199105   1,114,403 2,953 SH   SOLE 0 2,953 0 0
DEERE & CO Com 244199105   245,297 650 SH   DFND 0 650 0 0
DIGITAL RLTY TR INC COM Com 253868103   598,686 4,947 SH   SOLE 0 4,947 0 0
DIGITAL RLTY TR INC COM Com 253868103   21,784 180 SH   DFND 0 180 0 0
WALT DISNEY CO/THE Com 254687106   1,468,950 18,124 SH   SOLE 0 18,124 0 0
WALT DISNEY CO/THE Com 254687106   19,047 235 SH   DFND 0 235 0 0
DUKE ENERGY CORP Com 26441C204   243,951 2,764 SH   SOLE 0 2,764 0 0
DUKE ENERGY CORP Com 26441C204   15,887 180 SH   DFND 0 180 0 0
DUPONT DE NEMOURS INC COM Com 26614N102   216,759 2,906 SH   SOLE 0 2,778 0 128
EOG RESOURCES INC Com 26875P101   218,661 1,725 SH   SOLE 0 1,725 0 0
ETFMG PRIME CYBER SECURITY ETF Com 26924G201   415,896 8,060 SH   SOLE 0 8,060 0 0
ETFMG PRIME CYBER SECURITY ETF Com 26924G201   73,788 1,430 SH   DFND 0 1,430 0 0
ECOLAB INC Com 278865100   1,154,122 6,813 SH   SOLE 0 6,813 0 0
EMERSON ELECTRIC CO Com 291011104   831,081 8,606 SH   SOLE 0 8,606 0 0
EMERSON ELECTRIC CO Com 291011104   340,892 3,530 SH   DFND 0 3,530 0 0
ENBRIDGE INC Com 29250N105   1,056,305 31,826 SH   SOLE 0 31,826 0 0
ENBRIDGE INC Com 29250N105   233,724 7,042 SH   DFND 0 7,042 0 0
EXXON MOBIL CORP Com 30231G102   2,012,970 17,120 SH   SOLE 0 15,333 0 1,787
EXXON MOBIL CORP Com 30231G102   1,654,468 14,071 SH   DFND 0 14,071 0 0
META PLATFORMS INC Com 30303M102   1,052,236 3,505 SH   SOLE 0 3,505 0 0
FEDEX CORP Com 31428X106   639,517 2,414 SH   SOLE 0 2,414 0 0
FEDEX CORP Com 31428X106   610,641 2,305 SH   DFND 0 2,305 0 0
FISERV INC Com 337738108   1,166,877 10,330 SH   SOLE 0 10,330 0 0
FORD MOTOR CO Com 345370860   317,952 25,600 SH   DFND 0 25,600 0 0
FRANKLIN CALIF TAX FREE INCOME Com 352518104   372,509 57,843 SH   SOLE 0 57,843 0 0
GENERAL DYNAMICS CORP Com 369550108   325,268 1,472 SH   SOLE 0 1,472 0 0
GENERAL MILLS INC Com 370334104   447,034 6,986 SH   SOLE 0 6,986 0 0
GENERAL MILLS INC Com 370334104   71,669 1,120 SH   DFND 0 1,120 0 0
GILEAD SCIENCES INC Com 375558103   463,654 6,187 SH   SOLE 0 6,187 0 0
GILEAD SCIENCES INC Com 375558103   31,100 415 SH   DFND 0 415 0 0
GLOBAL X S&P 500 CATHOLIC VALUES ETF Com 37954Y889   323,737 6,190 SH   SOLE 0 6,190 0 0
GOLDMAN SACHS GROUP INC Com 38141G104   766,214 2,368 SH   SOLE 0 2,368 0 0
GOLDMAN SACHS GROUP INC Com 38141G104   51,771 160 SH   DFND 0 160 0 0
GOLDMAN ACTIVEBETA US LC ETF Com 381430503   788,393 9,360 SH   SOLE 0 9,360 0 0
WW GRAINGER INC Com 384802104   19,372 28 SH   SOLE 0 28 0 0
WW GRAINGER INC Com 384802104   1,229,400 1,777 SH   DFND 0 1,777 0 0
HOME DEPOT INC Com 437076102   1,043,661 3,454 SH   SOLE 0 3,454 0 0
HOME DEPOT INC Com 437076102   672,608 2,226 SH   DFND 0 2,226 0 0
HONEYWELL INTERNATIONAL INC Com 438516106   1,095,508 5,930 SH   SOLE 0 5,930 0 0
HONEYWELL INTERNATIONAL INC Com 438516106   171,623 929 SH   DFND 0 929 0 0
ILLINOIS TOOL WORKS Com 452308109   821,285 3,566 SH   SOLE 0 3,566 0 0
ILLINOIS TOOL WORKS Com 452308109   16,122 70 SH   DFND 0 70 0 0
INTEL CORP Com 458140100   255,249 7,180 SH   SOLE 0 7,180 0 0
INTEL CORP Com 458140100   207,079 5,825 SH   DFND 0 5,825 0 0
INTL BUSINESS MACHINES CORP Com 459200101   922,052 6,572 SH   SOLE 0 6,172 0 400
INTL BUSINESS MACHINES CORP Com 459200101   350,750 2,500 SH   DFND 0 2,500 0 0
INVESCO QQQ TRUST Com 46090E103   3,634,291 10,144 SH   SOLE 0 10,144 0 0
INVESCO QQQ TRUST Com 46090E103   102,823 287 SH   DFND 0 287 0 0
INVESCO S&P SMALLCAP HEALTH CARE ETF Com 46138E149   874,502 23,289 SH   SOLE 0 23,289 0 0
INVESCO S&P SMALLCAP HEALTH CARE ETF Com 46138E149   77,053 2,052 SH   DFND 0 2,052 0 0
INVITATION HOMES INC Com 46187W107   296,428 9,354 SH   SOLE 0 9,354 0 0
INVITATION HOMES INC Com 46187W107   82,394 2,600 SH   DFND 0 2,600 0 0
ISHARES CORE S&P US STOCK MARKET ETF Com 464287150   2,222,884 23,600 SH   SOLE 0 23,600 0 0
ISHARES CORE S&P US STOCK MARKET ETF Com 464287150   598,483 6,354 SH   DFND 0 6,354 0 0
ISHARES DJ SELECT DIVIDEND ETF Com 464287168   2,228,148 20,700 SH   SOLE 0 20,700 0 0
ISHARES DJ SELECT DIVIDEND ETF Com 464287168   65,660 610 SH   DFND 0 610 0 0
ISHARES CORE S&P 500 ETF Com 464287200   9,742,908 22,688 SH   SOLE 0 22,688 0 0
ISHARES CORE S&P 500 ETF Com 464287200   533,352 1,242 SH   DFND 0 1,242 0 0
ISHARES S&P GLOBAL TECHNOLOGY SECTOR Com 464287291   1,123,831 19,430 SH   SOLE 0 19,430 0 0
ISHARES S&P 500 GROWTH ETF Com 464287309   1,798,693 26,289 SH   SOLE 0 26,289 0 0
ISHARES S&P 500 VALUE ETF Com 464287408   1,140,108 7,411 SH   SOLE 0 7,411 0 0
ISHARES MSCI EAFE ETF Com 464287465   2,131,282 30,924 SH   SOLE 0 30,924 0 0
ISHARES MSCI EAFE ETF Com 464287465   2,895 42 SH   DFND 0 42 0 0
ISHARES RUSSELL MIDCAP VALUE ETF Com 464287473   156,197 1,497 SH   SOLE 0 1,497 0 0
ISHARES RUSSELL MIDCAP VALUE ETF Com 464287473   80,968 776 SH   DFND 0 776 0 0
ISHARES RUSSELL MIDCAP ETF Com 464287499   1,446,979 20,895 SH   SOLE 0 20,895 0 0
ISHARES RUSSELL MIDCAP ETF Com 464287499   194,870 2,814 SH   DFND 0 2,814 0 0
ISHARES CORE S&P MID-CAP ETF Com 464287507   9,498,240 38,092 SH   SOLE 0 38,092 0 0
ISHARES CORE S&P MID-CAP ETF Com 464287507   409,931 1,644 SH   DFND 0 1,644 0 0
ISHARES RUSSELL 1000 VALUE ETF Com 464287598   9,358,033 61,639 SH   SOLE 0 61,639 0 0
ISHARES RUSSELL 1000 VALUE ETF Com 464287598   264,015 1,739 SH   DFND 0 1,739 0 0
ISHARES S&P MIDCAP 400/GRWTH ETF Com 464287606   433,007 5,994 SH   SOLE 0 5,994 0 0
ISHARES S&P MIDCAP 400/GRWTH ETF Com 464287606   220,476 3,052 SH   DFND 0 3,052 0 0
ISHARES RUSSELL 1000 GROWTH ETF Com 464287614   22,385,718 84,160 SH   SOLE 0 84,160 0 0
ISHARES RUSSELL 1000 GROWTH ETF Com 464287614   1,452,571 5,461 SH   DFND 0 5,461 0 0
ISHARES RUSSELL 1000 ETF Com 464287622   2,156,709 9,181 SH   SOLE 0 9,181 0 0
ISHARES RUSSELL 2000 VALUE ETF Com 464287630   168,082 1,240 SH   SOLE 0 1,240 0 0
ISHARES RUSSELL 2000 VALUE ETF Com 464287630   35,921 265 SH   DFND 0 265 0 0
ISHARES RUSSELL 2000 GROWTH ETF Com 464287648   3,536,415 15,777 SH   SOLE 0 15,777 0 0
ISHARES RUSSELL 2000 GROWTH ETF Com 464287648   67,245 300 SH   DFND 0 300 0 0
ISHARES RUSSELL 2000 ETF Com 464287655   1,395,009 7,893 SH   SOLE 0 7,893 0 0
ISHARES RUSSELL 2000 ETF Com 464287655   241,604 1,367 SH   DFND 0 1,367 0 0
ISHARES S&P MIDCAP 400/VALUE ETF Com 464287705   328,023 3,250 SH   SOLE 0 3,250 0 0
ISHARES S&P MIDCAP 400/VALUE ETF Com 464287705   193,786 1,920 SH   DFND 0 1,920 0 0
ISHARES DJ US TECHNOLOGY SEC ETF Com 464287721   3,406,018 32,463 SH   SOLE 0 32,463 0 0
ISHARES DJ US TECHNOLOGY SEC ETF Com 464287721   163,151 1,555 SH   DFND 0 1,555 0 0
ISHARES DOW JONES US ENERGY SECTOR FUND Com 464287796   584,907 12,332 SH   SOLE 0 12,332 0 0
ISHARES CORE S&P SMALL-CAP ETF Com 464287804   6,054,665 64,186 SH   SOLE 0 64,186 0 0
ISHARES CORE S&P SMALL-CAP ETF Com 464287804   199,980 2,120 SH   DFND 0 2,120 0 0
ISHARES S&P SMALLCAP 600/VAL ETF Com 464287879   142,752 1,600 SH   SOLE 0 1,600 0 0
ISHARES S&P SMALLCAP 600/VAL ETF Com 464287879   178,440 2,000 SH   DFND 0 2,000 0 0
ISHARES S&P SMALLCAP/600 GROWTH ETF Com 464287887   399,674 3,644 SH   SOLE 0 3,644 0 0
ISHARES S&P SMALLCAP/600 GROWTH ETF Com 464287887   232,960 2,124 SH   DFND 0 2,124 0 0
ISHARES TR AGENCY BOND ETF Com 464288166   446,268 4,218 SH   SOLE 0 4,218 0 0
ISHARES TR AGENCY BOND ETF Com 464288166   6,454 61 SH   DFND 0 61 0 0
ISHARES TR GL CLEAN ENERGY ETF Com 464288224   492,270 33,671 SH   SOLE 0 33,671 0 0
ISHARES MSCI ACWI ETF Com 464288257   1,026,970 11,118 SH   SOLE 0 11,118 0 0
ISHARES JPMORGAN USD EMERGING MKTS BOND ETF Com 464288281   349,802 4,239 SH   SOLE 0 4,239 0 0
ISHARES JPMORGAN USD EMERGING MKTS BOND ETF Com 464288281   117,343 1,422 SH   DFND 0 1,422 0 0
ISHARES S&P GLOBAL INFRASTRUCTURE INDEX FUND Com 464288372   507,229 11,717 SH   SOLE 0 11,717 0 0
ISHARES S&P GLOBAL INFRASTRUCTURE INDEX FUND Com 464288372   53,160 1,228 SH   DFND 0 1,228 0 0
ISHARES TR MBS ETF Com 464288588   1,223,309 13,776 SH   SOLE 0 13,671 0 105
ISHARES TR MBS ETF Com 464288588   116,417 1,311 SH   DFND 0 1,311 0 0
ISHARES BROAD USD INVT GRADE CORP BD ETF Com 464288620   790,367 16,442 SH   SOLE 0 16,442 0 0
ISHARES BARCLAYS SHORT TREASURY BOND FUND Com 464288679   4,249,781 38,470 SH   SOLE 0 38,470 0 0
ISHARES BARCLAYS SHORT TREASURY BOND FUND Com 464288679   84,510 765 SH   DFND 0 765 0 0
ISHARES S&P PREF STK ETF Com 464288687   1,000,467 33,183 SH   SOLE 0 33,183 0 0
ISHARES DJ US MEDICAL DEVICE ETF Com 464288810   1,634,159 33,694 SH   SOLE 0 33,694 0 0
ISHARES DJ US MEDICAL DEVICE ETF Com 464288810   72,750 1,500 SH   DFND 0 1,500 0 0
ISHARES TR MSCI EAFE VALUE ETF Com 464288877   3,507,792 71,690 SH   SOLE 0 71,690 0 0
ISHARES TR EAFE GROWTH ETF Com 464288885   219,634 2,545 SH   SOLE 0 2,545 0 0
ISHARES TR EAFE GROWTH ETF Com 464288885   129,450 1,500 SH   DFND 0 1,500 0 0
ISHARES CORE US TREASURY BOND ETF Com 46429B267   8,998,381 408,275 SH   SOLE 0 408,275 0 0
ISHARES CORE US TREASURY BOND ETF Com 46429B267   932,887 42,327 SH   DFND 0 42,327 0 0
ISHARES AAA - A RATED CORPORATE BOND ETF Com 46429B291   710,957 15,771 SH   SOLE 0 15,771 0 0
ISHARES CORE HIGH DIVIDEND ETF Com 46429B663   235,754 2,384 SH   SOLE 0 2,384 0 0
ISHARES CORE HIGH DIVIDEND ETF Com 46429B663   93,946 950 SH   DFND 0 950 0 0
ISHARES TR MIN VOL USA ETF Com 46429B697   5,211,650 72,004 SH   SOLE 0 72,004 0 0
ISHARES TR MIN VOL USA ETF Com 46429B697   670,239 9,260 SH   DFND 0 9,260 0 0
ISHARES SHORT MATURITY BOND ETF Com 46431W507   5,730,316 114,859 SH   SOLE 0 114,859 0 0
ISHARES SHORT MATURITY BOND ETF Com 46431W507   872,576 17,490 SH   DFND 0 17,490 0 0
ISHARES EDGE MSCI USA QUALITY Com 46432F339   6,665,938 50,580 SH   SOLE 0 50,580 0 0
ISHARES EDGE MSCI USA QUALITY Com 46432F339   165,396 1,255 SH   DFND 0 1,255 0 0
ISHARES EDGE MSCI USA VALUE FACTOR ETF Com 46432F388   1,251,482 13,795 SH   SOLE 0 13,795 0 0
ISHARES CORE MSCI EAFE ETF Com 46432F842   5,509,068 85,611 SH   SOLE 0 85,611 0 0
ISHARES CORE MSCI EAFE ETF Com 46432F842   1,196,846 18,599 SH   DFND 0 18,599 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF Com 46434G103   908,065 19,081 SH   SOLE 0 19,081 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF Com 46434G103   199,878 4,200 SH   DFND 0 4,200 0 0
ISHARES MSCI EMERGING MARKETS EX CHINA ETF Com 46434G764   3,695,542 74,163 SH   SOLE 0 74,163 0 0
ISHARES MSCI EMERGING MARKETS EX CHINA ETF Com 46434G764   287,569 5,771 SH   DFND 0 5,771 0 0
ISHARES MSCI EM ESG OPTIMIZED Com 46434G863   706,523 23,333 SH   SOLE 0 23,333 0 0
ISHARES 0-5 YEAR HIGH YIELD CORP BOND ETF Com 46434V407   748,798 18,250 SH   SOLE 0 18,250 0 0
ISHARES 0-5 YEAR HIGH YIELD CORP BOND ETF Com 46434V407   320,034 7,800 SH   DFND 0 7,800 0 0
ISHARES CORE TOTAL USD BOND MARKET ETF Com 46434V613   992,331 22,700 SH   SOLE 0 22,700 0 0
ISHARES TREASURY FLOATING RATE BOND ETF Com 46434V860   2,113,473 41,653 SH   SOLE 0 41,653 0 0
ISHARES TREASURY FLOATING RATE BOND ETF Com 46434V860   40,237 793 SH   DFND 0 793 0 0
ISHARES MSCI USA ESG OPTIMIZED ETF Com 46435G425   4,582,620 48,798 SH   SOLE 0 48,798 0 0
ISHARES MSCI USA ESG OPTIMIZED ETF Com 46435G425   65,737 700 SH   DFND 0 700 0 0
ISHARES MSCI EAFE ESG SELECT ETF Com 46435G516   2,068,577 29,923 SH   SOLE 0 29,923 0 0
ISHARES MSCI USA SMALL-CAP ESG OPTIMIZED ETF Com 46435U663   545,668 16,216 SH   SOLE 0 16,216 0 0
ISHARES IBONDS DEC 2027 TERM TREASURY ETF Com 46436E841   250,292 11,455 SH   SOLE 0 11,455 0 0
ISHARES IBONDS DEC 2026 TERM TREASURY ETF Com 46436E858   250,316 11,140 SH   SOLE 0 11,140 0 0
ISHARES IBONDS DEC 2025 TERM TREASURY ETF Com 46436E866   250,303 10,845 SH   SOLE 0 10,845 0 0
ISHARES IBONDS DEC 2024 TERM TREASURY ETF Com 46436E874   250,201 10,495 SH   SOLE 0 10,495 0 0
JPMORGAN CHASE & CO Com 46625H100   3,217,849 22,189 SH   SOLE 0 22,189 0 0
JPMORGAN CHASE & CO Com 46625H100   791,954 5,461 SH   DFND 0 5,461 0 0
JPMorgan Chase & Co Pfd Stk 46625HJQ4   349,937 350,000 SH   SOLE 0 350,000 0 0
JPMORGAN ULTRA-SHORT INCOME ETF Com 46641Q837   2,112,628 42,101 SH   SOLE 0 42,101 0 0
JPMORGAN ULTRA-SHORT INCOME ETF Com 46641Q837   20,072 400 SH   DFND 0 400 0 0
J.P. MORGAN NASDAQ EQUITY PREMIUM INCOME ETF Com 46654Q203   378,256 8,060 SH   SOLE 0 8,060 0 0
JACOBS SOLUTIONS INC Com 46982L108   228,638 1,675 SH   SOLE 0 1,675 0 0
JOHNSON & JOHNSON Com 478160104   2,028,021 13,021 SH   SOLE 0 13,021 0 0
JOHNSON & JOHNSON Com 478160104   1,402,062 9,002 SH   DFND 0 9,002 0 0
KLA CORPORATION Com 482480100   272,444 594 SH   SOLE 0 594 0 0
KIMBERLY-CLARK CORP Com 494368103   559,415 4,629 SH   SOLE 0 4,629 0 0
KIMBERLY-CLARK CORP Com 494368103   24,653 204 SH   DFND 0 204 0 0
LKQ CORPORATION Com 501889208   616,845 12,459 SH   SOLE 0 12,459 0 0
ELI LILLY & CO Com 532457108   5,009,274 9,326 SH   SOLE 0 9,326 0 0
ELI LILLY & CO Com 532457108   626,831 1,167 SH   DFND 0 1,167 0 0
LOCKHEED MARTIN CORP Com 539830109   253,555 620 SH   SOLE 0 620 0 0
LOCKHEED MARTIN CORP Com 539830109   37,624 92 SH   DFND 0 92 0 0
LOWE'S COS INC Com 548661107   887,892 4,272 SH   SOLE 0 4,272 0 0
LOWE'S COS INC Com 548661107   33,254 160 SH   DFND 0 160 0 0
MARRIOTT INTERNATIONAL -CL A Com 571903202   229,386 1,167 SH   SOLE 0 1,167 0 0
MARRIOTT INTERNATIONAL -CL A Com 571903202   7,666 39 SH   DFND 0 39 0 0
MASTERCARD INC-CLASS A Com 57636Q104   1,233,260 3,115 SH   SOLE 0 3,115 0 0
MCDONALD'S CORP Com 580135101   1,544,812 5,864 SH   SOLE 0 5,864 0 0
MCDONALD'S CORP Com 580135101   206,010 782 SH   DFND 0 782 0 0
MCKESSON CORP Com 58155Q103   1,365,429 3,140 SH   SOLE 0 3,140 0 0
MERCK & CO. INC. Com 58933Y105   953,008 9,257 SH   SOLE 0 9,257 0 0
MERCK & CO. INC. Com 58933Y105   1,013,955 9,849 SH   DFND 0 9,849 0 0
MICROSOFT CORP Com 594918104   9,839,717 31,163 SH   SOLE 0 31,163 0 0
MICROSOFT CORP Com 594918104   4,887,810 15,480 SH   DFND 0 15,480 0 0
MICRON TECHNOLOGY INC Com 595112103   439,814 6,465 SH   SOLE 0 6,465 0 0
MONDELEZ INTERNATIONAL INC-A Com 609207105   318,407 4,588 SH   SOLE 0 4,588 0 0
MONDELEZ INTERNATIONAL INC-A Com 609207105   304,388 4,386 SH   DFND 0 4,386 0 0
MOTOROLA SOLUTIONS INC Com 620076307   273,329 1,004 SH   SOLE 0 1,004 0 0
MOTOROLA SOLUTIONS INC Com 620076307   44,103 162 SH   DFND 0 162 0 0
NETFLIX INC Com 64110L106   294,528 780 SH   SOLE 0 780 0 0
NETFLIX INC Com 64110L106   7,552 20 SH   DFND 0 20 0 0
NEXTERA ENERGY INC Com 65339F101   773,358 13,499 SH   SOLE 0 13,499 0 0
NEXTERA ENERGY INC Com 65339F101   312,803 5,460 SH   DFND 0 5,460 0 0
NIKE INC -CL B Com 654106103   1,215,139 12,708 SH   SOLE 0 12,708 0 0
NOVARTIS AG-SPONSORED ADR Com 66987V109   378,715 3,718 SH   SOLE 0 3,718 0 0
NVIDIA CORP Com 67066G104   10,592,441 24,351 SH   SOLE 0 24,351 0 0
NVIDIA CORP Com 67066G104   930,444 2,139 SH   DFND 0 2,139 0 0
ORACLE CORP Com 68389X105   696,636 6,577 SH   SOLE 0 6,577 0 0
ORACLE CORP Com 68389X105   286,196 2,702 SH   DFND 0 2,702 0 0
PNC FINANCIAL SERVICES GROUP Com 693475105   144,255 1,175 SH   SOLE 0 1,175 0 0
PNC FINANCIAL SERVICES GROUP Com 693475105   57,702 470 SH   DFND 0 470 0 0
PALO ALTO NETWORKS INC Com 697435105   1,114,293 4,753 SH   SOLE 0 4,753 0 0
PEPSICO INC Com 713448108   971,230 5,732 SH   SOLE 0 5,732 0 0
PEPSICO INC Com 713448108   1,196,755 7,063 SH   DFND 0 7,063 0 0
PFIZER INC Com 717081103   1,386,075 41,787 SH   SOLE 0 41,787 0 0
PFIZER INC Com 717081103   257,897 7,775 SH   DFND 0 7,775 0 0
PHILIP MORRIS INTERNATIONAL Com 718172109   287,183 3,102 SH   SOLE 0 3,102 0 0
PHILIP MORRIS INTERNATIONAL Com 718172109   427,072 4,613 SH   DFND 0 4,613 0 0
PHILLIPS 66 Com 718546104   393,732 3,277 SH   SOLE 0 3,277 0 0
PHILLIPS 66 Com 718546104   17,782 148 SH   DFND 0 148 0 0
PIONEER NATURAL RESOURCES Com 723787107   748,792 3,262 SH   SOLE 0 3,262 0 0
PIONEER NATURAL RESOURCES Com 723787107   15,150 66 SH   DFND 0 66 0 0
PROCTER & GAMBLE CO/THE Com 742718109   1,795,391 12,309 SH   SOLE 0 12,309 0 0
PROCTER & GAMBLE CO/THE Com 742718109   1,196,927 8,206 SH   DFND 0 8,206 0 0
PROLOGIS INC Com 74340W103   677,412 6,037 SH   SOLE 0 6,037 0 0
PROLOGIS INC Com 74340W103   102,111 910 SH   DFND 0 910 0 0
PUBLIC SERVICE ENTERPRISE GP Com 744573106   547,645 9,623 SH   SOLE 0 9,623 0 0
PUBLIC SERVICE ENTERPRISE GP Com 744573106   35,057 616 SH   DFND 0 616 0 0
PUBLIC STORAGE Com 74460D109   414,780 1,574 SH   SOLE 0 1,574 0 0
PUBLIC STORAGE Com 74460D109   326,765 1,240 SH   DFND 0 1,240 0 0
QUALCOMM INC Com 747525103   654,588 5,894 SH   SOLE 0 5,894 0 0
QUALCOMM INC Com 747525103   58,640 528 SH   DFND 0 528 0 0
QUEST DIAGNOSTICS INC Com 74834L100   222,273 1,824 SH   SOLE 0 1,824 0 0
ROPER TECHNOLOGIES INC Com 776696106   520,117 1,074 SH   SOLE 0 1,074 0 0
ROYCE PENNSYLVANIA MUTUAL FUND Com 780905840   129,446 15,158 SH   SOLE 0 15,158 0 0
SPDR S&P 500 ETF TRUST Com 78462F103   7,690,365 17,990 SH   SOLE 0 17,990 0 0
SPDR S&P 500 ETF TRUST Com 78462F103   445,007 1,041 SH   DFND 0 1,041 0 0
SPDR GOLD TRUST Com 78463V107   947,090 5,524 SH   SOLE 0 5,524 0 0
SPDR S&P NORTH AMERICAN NATURAL RESOURCES ETF Com 78463X152   305,683 5,774 SH   SOLE 0 5,774 0 0
SPDR S&P NORTH AMERICAN NATURAL RESOURCES ETF Com 78463X152   23,982 453 SH   DFND 0 453 0 0
SPDR MSCI ACWI EX-US Com 78463X848   4,462,653 179,295 SH   SOLE 0 179,295 0 0
SPDR MSCI ACWI EX-US Com 78463X848   104,190 4,186 SH   DFND 0 4,186 0 0
SPDR BLOOMBERG CONVERTIBLE SECURITIES ETF Com 78464A359   1,567,943 23,126 SH   SOLE 0 23,126 0 0
SPDR BLOOMBERG CONVERTIBLE SECURITIES ETF Com 78464A359   97,225 1,434 SH   DFND 0 1,434 0 0
KBW BANK ETF Com 78464A797   292,958 7,950 SH   SOLE 0 7,950 0 0
KBW BANK ETF Com 78464A797   19,899 540 SH   DFND 0 540 0 0
SPDR S&P BIOTECH ETF Com 78464A870   284,778 3,900 SH   SOLE 0 3,900 0 0
SPDR S&P MIDCAP 400 ETF TRUST Com 78467Y107   1,122,878 2,459 SH   SOLE 0 2,459 0 0
SALESFORCE.COM INC Com 79466L302   247,797 1,222 SH   SOLE 0 1,222 0 0
SCHLUMBERGER LTD Com 806857108   186,560 3,200 SH   SOLE 0 3,200 0 0
SCHLUMBERGER LTD Com 806857108   58,300 1,000 SH   DFND 0 1,000 0 0
SCHWAB (CHARLES) CORP Com 808513105   977,330 17,802 SH   SOLE 0 17,802 0 0
CHARLES SCHWAB CORP Pfd Stk 808513BD6   96,078 100,000 SH   SOLE 0 100,000 0 0
MATERIALS SELECT SPDR FUND Com 81369Y100   666,025 8,479 SH   SOLE 0 8,479 0 0
MATERIALS SELECT SPDR FUND Com 81369Y100   102,115 1,300 SH   DFND 0 1,300 0 0
HEALTH CARE SELECT SECTOR SPDR Com 81369Y209   2,703,154 20,997 SH   SOLE 0 20,997 0 0
HEALTH CARE SELECT SECTOR SPDR Com 81369Y209   83,681 650 SH   DFND 0 650 0 0
CONSUMER STAPLES SELECT SECTOR SPDR Com 81369Y308   741,634 10,778 SH   SOLE 0 10,778 0 0
CONSUMER DISCRETIONARY SELT Com 81369Y407   1,440,932 8,951 SH   SOLE 0 8,951 0 0
ENERGY SELECT SECTOR SPDR Com 81369Y506   397,264 4,395 SH   SOLE 0 4,395 0 0
ENERGY SELECT SECTOR SPDR Com 81369Y506   190,813 2,111 SH   DFND 0 2,111 0 0
FINANCIAL SELECT SECTOR SPDR Com 81369Y605   891,775 26,885 SH   SOLE 0 26,885 0 0
INDUSTRIAL SELECT SECTOR SPDR ETF Com 81369Y704   283,357 2,795 SH   SOLE 0 2,795 0 0
TECHNOLOGY SELECT SECT SPDR Com 81369Y803   235,076 1,434 SH   SOLE 0 1,434 0 0
UTILITIES SELECT SECTOR SPDR Com 81369Y886   1,034,163 17,549 SH   SOLE 0 17,549 0 0
UTILITIES SELECT SECTOR SPDR Com 81369Y886   290,878 4,936 SH   DFND 0 4,936 0 0
SOUTHERN CO/THE Com 842587107   263,540 4,072 SH   SOLE 0 4,072 0 0
SOUTHERN CO/THE Com 842587107   110,995 1,715 SH   DFND 0 1,715 0 0
STARBUCKS CORP Com 855244109   650,025 7,122 SH   SOLE 0 7,122 0 0
Alta Properties, Inc. Com 863012544   181,626 24,544 SH   DFND 0 24,544 0 0
STRYKER CORP Com 863667101   795,216 2,910 SH   SOLE 0 2,910 0 0
TJX COMPANIES INC Com 872540109   429,113 4,828 SH   SOLE 0 4,828 0 0
T-MOBILE US INC Com 872590104   438,777 3,133 SH   SOLE 0 3,133 0 0
TAIWAN SEMICONDUCTOR-SP ADR Com 874039100   965,025 11,105 SH   SOLE 0 11,105 0 0
TAIWAN SEMICONDUCTOR-SP ADR Com 874039100   30,067 346 SH   DFND 0 346 0 0
TEXAS INSTRUMENTS INC Com 882508104   254,098 1,598 SH   SOLE 0 1,598 0 0
TEXAS INSTRUMENTS INC Com 882508104   116,395 732 SH   DFND 0 732 0 0
THERMO FISHER SCIENTIFIC INC Com 883556102   2,057,075 4,064 SH   SOLE 0 4,064 0 0
3M CO Com 88579Y101   196,415 2,098 SH   SOLE 0 2,098 0 0
3M CO Com 88579Y101   296,775 3,170 SH   DFND 0 3,170 0 0
TOYOTA MOTOR CORP -SPON ADR Com 892331307   698,329 3,885 SH   SOLE 0 3,885 0 0
TOYOTA MOTOR CORP -SPON ADR Com 892331307   19,773 110 SH   DFND 0 110 0 0
UNION PACIFIC CORP Com 907818108   1,440,479 7,074 SH   SOLE 0 7,074 0 0
UNION PACIFIC CORP Com 907818108   562,019 2,760 SH   DFND 0 2,760 0 0
UNITED PARCEL SERVICE-CL B Com 911312106   569,237 3,652 SH   SOLE 0 3,652 0 0
UNITED PARCEL SERVICE-CL B Com 911312106   23,069 148 SH   DFND 0 148 0 0
UNITEDHEALTH GROUP INC Com 91324P102   996,784 1,977 SH   SOLE 0 1,977 0 0
UNITEDHEALTH GROUP INC Com 91324P102   85,208 169 SH   DFND 0 169 0 0
VALERO ENERGY CORP Com 91913Y100   688,852 4,861 SH   SOLE 0 4,861 0 0
VALERO ENERGY CORP Com 91913Y100   46,764 330 SH   DFND 0 330 0 0
VANECK VECTORS SEMICONDUCTOR ETF Com 92189F676   352,301 2,430 SH   SOLE 0 2,430 0 0
VANGUARD DIVIDEND APPREC ETF Com 921908844   5,241,744 33,735 SH   SOLE 0 33,735 0 0
VANGUARD DIVIDEND APPREC ETF Com 921908844   49,722 320 SH   DFND 0 320 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF Com 921943858   1,658,387 37,932 SH   SOLE 0 37,932 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF Com 921943858   43,720 1,000 SH   DFND 0 1,000 0 0
VANGUARD HIGH DVD YIELD ETF Com 921946406   2,686,423 26,001 SH   SOLE 0 26,001 0 0
VANGUARD HIGH DVD YIELD ETF Com 921946406   332,380 3,217 SH   DFND 0 3,217 0 0
VANGUARD INTL HIGH DIVIDEND YIELD ETF Com 921946794   2,529,135 40,865 SH   SOLE 0 40,865 0 0
VANGUARD INTL HIGH DIVIDEND YIELD ETF Com 921946794   24,756 400 SH   DFND 0 400 0 0
VANGUARD INTL DIVIDEND APPRECIATION ETF Com 921946810   8,985,583 125,972 SH   SOLE 0 125,972 0 0
VANGUARD INTL DIVIDEND APPRECIATION ETF Com 921946810   166,770 2,338 SH   DFND 0 2,338 0 0
VANGUARD GLBL EX-US REAL EST Com 922042676   432,824 11,118 SH   SOLE 0 11,118 0 0
VANGUARD GLBL EX-US REAL EST Com 922042676   2,336 60 SH   DFND 0 60 0 0
VANGUARD FTSE ALL-WORLD EX-US Com 922042775   1,413,250 27,246 SH   SOLE 0 27,246 0 0
VANGUARD FTSE EMERGING MARKETS ETF Com 922042858   641,907 16,371 SH   SOLE 0 16,371 0 0
VANGUARD FTSE EMERGING MARKETS ETF Com 922042858   45,092 1,150 SH   DFND 0 1,150 0 0
VANGUARD INTL EQUITY INDEX PACIFIC ETF Com 922042866   1,072,153 16,031 SH   SOLE 0 16,031 0 0
VANGUARD INTL EQUITY INDEX FD FTSE EUROPE ETF Com 922042874   1,236,921 21,352 SH   SOLE 0 21,352 0 0
VANGUARD HEALTH CARE ETF Com 92204A504   243,093 1,034 SH   SOLE 0 1,034 0 0
VANGUARD SHORT TERM GOVERNMENT BOND ETF Com 92206C102   13,762,368 238,930 SH   SOLE 0 238,930 0 0
VANGUARD SHORT TERM GOVERNMENT BOND ETF Com 92206C102   1,005,984 17,465 SH   DFND 0 17,465 0 0
VANGUARD SHORT-TERM CORP BO Com 92206C409   10,587,207 140,881 SH   SOLE 0 140,841 0 40
VANGUARD SHORT-TERM CORP BO Com 92206C409   1,208,562 16,082 SH   DFND 0 16,082 0 0
VANGUARD S&P 500 ETF Com 922908363   1,471,840 3,748 SH   SOLE 0 3,748 0 0
VANGUARD S&P 500 ETF Com 922908363   113,883 290 SH   DFND 0 290 0 0
VANGUARD REAL ESTATE ETF Com 922908553   742,149 9,809 SH   SOLE 0 9,744 0 65
VANGUARD REAL ESTATE ETF Com 922908553   114,322 1,511 SH   DFND 0 1,511 0 0
VANGUARD IND FD MID-CAP Com 922908629   967,691 4,647 SH   SOLE 0 4,647 0 0
VANGUARD EXTENDED MARKET ETF Com 922908652   682,681 4,763 SH   SOLE 0 4,763 0 0
VANGUARD EXTENDED MARKET ETF Com 922908652   89,151 622 SH   DFND 0 622 0 0
VANGUARD GROWTH INDEX FUND Com 922908736   249,164 915 SH   SOLE 0 915 0 0
VANGUARD VALUE INDEX FUND ETF Com 922908744   1,000,406 7,253 SH   SOLE 0 7,253 0 0
VANGUARD VALUE INDEX FUND ETF Com 922908744   9,655 70 SH   DFND 0 70 0 0
VANGUARD SMALL-CAP ETF Com 922908751   456,226 2,413 SH   SOLE 0 2,413 0 0
VANGUARD TOTAL STOCK MARKET ETF Com 922908769   330,298 1,555 SH   SOLE 0 1,555 0 0
VERIZON COMMUNICATIONS INC Com 92343V104   1,345,209 41,506 SH   SOLE 0 41,506 0 0
VERIZON COMMUNICATIONS INC Com 92343V104   90,716 2,799 SH   DFND 0 2,799 0 0
VISA INC-CLASS A SHARES Com 92826C839   2,578,642 11,211 SH   SOLE 0 11,211 0 0
VISA INC-CLASS A SHARES Com 92826C839   5,750 25 SH   DFND 0 25 0 0
WALMART INC Com 931142103   1,044,343 6,530 SH   SOLE 0 6,530 0 0
WALMART INC Com 931142103   383,832 2,400 SH   DFND 0 2,400 0 0
WASTE MGMT INC Com 94106L109   671,803 4,407 SH   SOLE 0 4,407 0 0
WASTE MGMT INC Com 94106L109   6,402 42 SH   DFND 0 42 0 0
WELLS FARGO & CO Com 949746101   465,886 11,402 SH   SOLE 0 11,402 0 0
WELLS FARGO & CO Com 949746101   83,354 2,040 SH   DFND 0 2,040 0 0
WELLS FARGO CO NEW PERP PFD CNV A Pfd Stk 949746804   205,813 185 SH   SOLE 0 185 0 0
WISDOMTREE EMERGING MARKETS Com 97717W315   458,305 12,228 SH   SOLE 0 12,228 0 0
WISDOM TREE SMALL CAP DIVIDEND Com 97717W604   317,532 11,260 SH   SOLE 0 11,260 0 0
WISDOMTREE EM EX-STATE-OWNED ENTERPRISES Com 97717X578   751,134 28,164 SH   SOLE 0 28,164 0 0
WISDOMTREE EM EX-STATE-OWNED ENTERPRISES Com 97717X578   66,942 2,510 SH   DFND 0 2,510 0 0
WISDOMTREE US QUALITY DIVID Com 97717X669   965,683 15,210 SH   SOLE 0 15,210 0 0
XYLEM INC Com 98419M100   237,042 2,604 SH   SOLE 0 2,604 0 0
ZIMMER BIOMET HOLDINGS INC Com 98956P102   209,178 1,864 SH   SOLE 0 1,864 0 0
ZIMMER BIOMET HOLDINGS INC Com 98956P102   45,786 408 SH   DFND 0 408 0 0
ZOETIS INC CL A Com 98978V103   512,023 2,943 SH   SOLE 0 2,943 0 0
ACCENTURE PLC-CL A Com G1151C101   1,702,618 5,544 SH   SOLE 0 5,544 0 0
ACCENTURE PLC-CL A Com G1151C101   202,693 660 SH   DFND 0 660 0 0
EATON CORP PLC Com G29183103   565,192 2,650 SH   SOLE 0 2,650 0 0
EATON CORP PLC Com G29183103   802,146 3,761 SH   DFND 0 3,761 0 0
JOHNSON CONTROLS INTERNATIONAL Com G51502105   750,474 14,104 SH   SOLE 0 14,104 0 0
JOHNSON CONTROLS INTERNATIONAL Com G51502105   254,025 4,774 SH   DFND 0 4,774 0 0
MEDTRONIC PLC Com G5960L103   531,359 6,781 SH   SOLE 0 6,781 0 0
MEDTRONIC PLC Com G5960L103   27,348 349 SH   DFND 0 349 0 0
APTIV PLC Com G6095L109   214,236 2,173 SH   SOLE 0 2,173 0 0
TRANE TECHNOLOGIES PLC Com G8994E103   787,494 3,881 SH   SOLE 0 3,881 0 0
TRANE TECHNOLOGIES PLC Com G8994E103   251,608 1,240 SH   DFND 0 1,240 0 0
CHUBB LTD Com H1467J104   547,305 2,629 SH   SOLE 0 2,629 0 0
CHUBB LTD Com H1467J104   16,654 80 SH   DFND 0 80 0 0