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
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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
Abbott Laboratories Com 002824100   257,124 2,336 SH   SOLE 0 2,336 0 0
Abbvie Inc Com 00287Y109   8,042,478 51,897 SH   SOLE 0 51,897 0 0
Abbvie Inc Com 00287Y109   9,298 60 SH   DFND 0 60 0 0
Alphabet Inc Class A Com 02079K305   6,786,559 48,583 SH   SOLE 0 48,583 0 0
Alphabet Inc Class A Com 02079K305   5,588 40 SH   DFND 0 40 0 0
Amazon Inc Com 023135106   6,962,954 45,827 SH   SOLE 0 45,827 0 0
Amazon Inc Com 023135106   15,194 100 SH   DFND 0 100 0 0
American Tower Corp REIT Com 03027X100   3,293,249 15,255 SH   SOLE 0 15,255 0 0
American Tower Corp REIT Com 03027X100   7,772 36 SH   DFND 0 36 0 0
Amgen Inc Com 031162100   3,758,661 13,050 SH   SOLE 0 13,050 0 0
Apple Inc Com 037833100   16,125,928 83,758 SH   SOLE 0 83,758 0 0
Apple Inc Com 037833100   7,701 40 SH   DFND 0 40 0 0
Bank of America Corp Com 060505104   334,309 9,929 SH   SOLE 0 9,929 0 0
Berkshire Hathaway Inc Cl A Com 084670108   3,798,375 7 SH   SOLE 0 7 0 0
Berkshire Hathaway Inc Cl B Com 084670702   7,014,789 19,668 SH   SOLE 0 19,618 0 50
BlackRock Inc Com 09247X101   2,811,263 3,463 SH   SOLE 0 3,463 0 0
BlackRock Enhanced Equity Dividend Trust Com 09251A104   143,549 18,667 SH   SOLE 0 18,667 0 0
Boeing Co Com 097023105   488,216 1,873 SH   SOLE 0 1,873 0 0
Bristol-Myers Squibb Corp Com 110122108   2,994,759 58,366 SH   SOLE 0 58,366 0 0
CVS Health Corporation Com 126650100   4,548,965 57,611 SH   SOLE 0 57,611 0 0
CVS Health Corporation Com 126650100   6,791 86 SH   DFND 0 86 0 0
Cardinal Health Inc Com 14149Y108   3,584,952 35,565 SH   SOLE 0 35,565 0 0
Cardinal Health Inc Com 14149Y108   6,149 61 SH   DFND 0 61 0 0
Caterpillar Inc Com 149123101   4,418,197 14,943 SH   SOLE 0 14,943 0 0
Chemed Corp Com 16359R103   526,275 900 SH   SOLE 0 900 0 0
Chevron Corp Com 166764100   7,341,357 49,218 SH   SOLE 0 49,218 0 0
Chevron Corp Com 166764100   4,475 30 SH   DFND 0 30 0 0
Cisco Systems Inc Com 17275R102   8,353,987 165,360 SH   SOLE 0 165,360 0 0
Cognizant Technology Solutions Cl A Com 192446102   3,486,691 46,163 SH   SOLE 0 46,163 0 0
Cognizant Technology Solutions Cl A Com 192446102   5,287 70 SH   DFND 0 70 0 0
Comcast Corp New Cl A Com 20030N101   3,606,399 82,244 SH   SOLE 0 82,244 0 0
ConocoPhillips Com 20825C104   2,495,157 21,497 SH   SOLE 0 21,497 0 0
Consolidated Edison Inc Com 209115104   243,436 2,676 SH   SOLE 0 2,676 0 0
Digital Realty Trust Inc Com 253868103   2,433,610 18,083 SH   SOLE 0 18,083 0 0
Digital Realty Trust Inc Com 253868103   13,458 100 SH   DFND 0 100 0 0
Walt Disney Company Com 254687106   2,041,999 22,616 SH   SOLE 0 22,616 0 0
Walt Disney Company Com 254687106   2,709 30 SH   DFND 0 30 0 0
Dollar Tree Inc Com 256746108   3,573,268 25,155 SH   SOLE 0 25,155 0 0
Dow Inc Com 260557103   2,227,491 40,618 SH   SOLE 0 40,618 0 0
Dow Inc Com 260557103   2,194 40 SH   DFND 0 40 0 0
Duke Energy Corp Com 26441C204   2,414,161 24,878 SH   SOLE 0 24,878 0 0
Duke Energy Corp Com 26441C204   12,615 130 SH   DFND 0 130 0 0
Du Pont De Nemours Inc Com 26614N102   2,398,831 31,182 SH   SOLE 0 31,182 0 0
EOG Resources Inc Com 26875P101   2,794,429 23,104 SH   SOLE 0 23,104 0 0
EOG Resources Inc Com 26875P101   4,838 40 SH   DFND 0 40 0 0
Emerson Electric Co Com 291011104   7,741,726 79,541 SH   SOLE 0 79,541 0 0
Emerson Electric Co Com 291011104   9,733 100 SH   DFND 0 100 0 0
Exelon Corp Com 30161N101   1,890,063 52,648 SH   SOLE 0 52,648 0 0
Exxon Mobil Corp Com 30231G102   5,580,884 55,820 SH   SOLE 0 55,820 0 0
Meta Platforms Inc Com 30303M102   6,080,679 17,179 SH   SOLE 0 17,179 0 0
Meta Platforms Inc Com 30303M102   3,540 10 SH   DFND 0 10 0 0
Freeport-McMoran, Inc Com 35671D857   1,910,925 44,889 SH   SOLE 0 44,889 0 0
Gilead Sciences Inc Com 375558103   3,266,161 40,318 SH   SOLE 0 40,318 0 0
The Hershey Company Com 427866108   382,761 2,053 SH   SOLE 0 2,053 0 0
Home Depot Inc Com 437076102   778,351 2,246 SH   SOLE 0 2,246 0 0
Honeywell Intl Inc Com 438516106   1,442,805 6,880 SH   SOLE 0 6,880 0 0
ING Groep NV ADR Com 456837103   729,011 48,536 SH   SOLE 0 48,536 0 0
Intercontinental Exchange Inc Com 45866F104   4,064,681 31,649 SH   SOLE 0 31,649 0 0
Intercontinental Exchange Inc Com 45866F104   3,853 30 SH   DFND 0 30 0 0
IBM Corp Com 459200101   4,471,621 27,341 SH   SOLE 0 27,341 0 0
Invesco QQQ Trust Com 46090E103   1,247,807 3,047 SH   SOLE 0 3,047 0 0
Invesco Preferred ETF Com 46138E511   15,930,201 1,388,858 SH   SOLE 0 1,385,604 3,254 0
Invesco Preferred ETF Com 46138E511   66,732 5,818 SH   DFND 0 5,818 0 0
Invesco BulletShares 2027 Corporate Bond ETF Com 46138J783   243,771 12,530 SH   SOLE 0 12,530 0 0
Invesco BulletShares 2026 Corporate Bond ETF Com 46138J791   264,352 13,697 SH   SOLE 0 13,697 0 0
Invesco BulletShares 2025 Corporate Bond ETF Com 46138J825   247,424 12,096 SH   SOLE 0 12,096 0 0
Invesco BulletShares 2024 Corporate Bond ETF Com 46138J841   223,720 10,712 SH   SOLE 0 10,712 0 0
iShares Core S&P 500 ETF Com 464287200   1,601,493 3,353 SH   SOLE 0 3,353 0 0
iShares Core U.S. Agg Bond ETF Com 464287226   3,048,067 30,711 SH   SOLE 0 30,711 0 0
iShares Core S&P Mid-Cap 400 Index ETF Com 464287507   18,304,095 66,044 SH   SOLE 0 66,044 0 0
iShares Russell 1000 ETF Com 464287622   209,808 800 SH   SOLE 0 800 0 0
iShares Core S&P Small-Cap 600 ETF Com 464287804   10,801,835 99,786 SH   SOLE 0 99,786 0 0
Ishares Dow Jones US Health Care Prov Index Com 464288828   525,100 2,000 SH   SOLE 0 2,000 0 0
iShares Tr MSCI USA Minimum Volatility ETF Com 46429B697   747,996 9,586 SH   SOLE 0 9,586 0 0
iShares Core MSCI EAFE ETF Com 46432F842   19,588,676 278,446 SH   SOLE 0 278,446 0 0
iShares Core MSCI Emerging Mkts ETF Com 46434G103   8,407,559 166,223 SH   SOLE 0 166,223 0 0
iShares iBonds 2028 Term Corp ETF Com 46435U515   257,599 10,267 SH   SOLE 0 10,267 0 0
JP Morgan Chase & Co Com 46625H100   13,019,624 76,541 SH   SOLE 0 76,541 0 0
JP Morgan Chase & Co Com 46625H100   6,804 40 SH   DFND 0 40 0 0
Johnson & Johnson Com 478160104   7,723,520 49,276 SH   SOLE 0 49,276 0 0
Estee Lauder Companies Inc Com 518439104   680,209 4,651 SH   SOLE 0 4,651 0 0
Eli Lilly & Co Com 532457108   2,706,498 4,643 SH   SOLE 0 4,643 0 0
Lowes Companies Inc Com 548661107   3,320,669 14,921 SH   SOLE 0 14,921 0 0
Masco Corp Com 574599106   4,528,317 67,607 SH   SOLE 0 67,607 0 0
McDonalds Corp Com 580135101   3,857,892 13,011 SH   SOLE 0 13,011 0 0
McDonalds Corp Com 580135101   8,895 30 SH   DFND 0 30 0 0
Merck & Co Inc Com 58933Y105   3,608,126 33,096 SH   SOLE 0 33,096 0 0
MetLife Inc Com 59156R108   3,548,602 53,661 SH   SOLE 0 53,661 0 0
Microsoft Corp Com 594918104   16,452,126 43,751 SH   SOLE 0 43,751 0 0
Mondelez International Inc Com 609207105   2,505,716 34,595 SH   SOLE 0 34,595 0 0
Morgan Stanley Com 617446448   5,863,280 62,877 SH   SOLE 0 62,877 0 0
Nike Inc Class B Com 654106103   1,133,688 10,442 SH   SOLE 0 10,442 0 0
NVIDIA Corp Com 67066G104   3,148,609 6,358 SH   SOLE 0 6,358 0 0
Omnicom Group Com 681919106   2,086,016 24,113 SH   SOLE 0 24,113 0 0
Oracle Corp Com 68389X105   3,653,255 34,651 SH   SOLE 0 34,651 0 0
Otter Tail Corporation Com 689648103   577,456 6,796 SH   SOLE 0 6,796 0 0
Pepsico Inc Com 713448108   7,533,083 44,354 SH   SOLE 0 44,354 0 0
Pfizer Inc Com 717081103   2,882,541 100,123 SH   SOLE 0 100,123 0 0
Pfizer Inc Com 717081103   4,635 161 SH   DFND 0 161 0 0
Principal Financial Group Com 74251V102   3,186,607 40,506 SH   SOLE 0 40,506 0 0
Procter & Gamble Co Com 742718109   7,340,189 50,090 SH   SOLE 0 50,090 0 0
Procter & Gamble Co Com 742718109   14,654 100 SH   DFND 0 100 0 0
Prudential Financial Com 744320102   6,487,786 62,557 SH   SOLE 0 62,557 0 0
Prudential Financial Com 744320102   3,111 30 SH   DFND 0 30 0 0
QUALCOMM Inc Com 747525103   2,674,209 18,490 SH   SOLE 0 18,490 0 0
QUALCOMM Inc Com 747525103   13,017 90 SH   DFND 0 90 0 0
SPDR S&P 500 ETF Com 78462F103   6,487,031 13,648 SH   SOLE 0 13,648 0 0
SPDR Gold Shares Com 78463V107   288,093 1,507 SH   SOLE 0 1,507 0 0
SPDR MSCI ACWI ex-US ETF Com 78463X848   1,337,723 49,472 SH   SOLE 0 49,472 0 0
SPDR S&P 500 Growth ETF Com 78464A409   2,606,564 40,064 SH   SOLE 0 40,064 0 0
SPDR S&P 500 Value ETF Com 78464A508   345,062 7,400 SH   SOLE 0 7,400 0 0
SPDR Dow Jones Industrial Average Com 78467X109   5,604,057 14,870 SH   SOLE 0 14,870 0 0
SPDR Portfolio High Yield Bond ETF Com 78468R606   2,422,238 103,603 SH   SOLE 0 103,603 0 0
SPDR SSGA US Low Volatility Index ETF Com 78468R804   801,905 5,530 SH   SOLE 0 5,530 0 0
Salesforce Inc Com 79466L302   5,792,764 22,014 SH   SOLE 0 22,014 0 0
Salesforce Inc Com 79466L302   13,157 50 SH   DFND 0 50 0 0
Health Care Select Sector SPDR ETF Com 81369Y209   272,760 2,000 SH   SOLE 0 2,000 0 0
Energy Select Sector SPDR ETF Com 81369Y506   232,153 2,769 SH   SOLE 0 2,769 0 0
Skyworks Solutions Com 83088M102   2,148,908 19,115 SH   SOLE 0 19,115 0 0
Sprott Physical Silver Trust Com 85207K107   686,800 85,000 SH   SOLE 0 85,000 0 0
Starbucks Corporation Com 855244109   3,058,687 31,858 SH   SOLE 0 31,858 0 0
Starbucks Corporation Com 855244109   1,920 20 SH   DFND 0 20 0 0
Sysco Corp Com 871829107   2,940,484 40,209 SH   SOLE 0 40,209 0 0
Target Corp Com 87612E106   1,490,140 10,463 SH   SOLE 0 10,463 0 0
Truist Financial Corp Com 89832Q109   2,126,961 57,610 SH   SOLE 0 57,610 0 0
Union Pacific Corp Com 907818108   207,549 845 SH   SOLE 0 845 0 0
United Parcel Service Com 911312106   12,627,927 80,315 SH   SOLE 0 69,415 0 10,900
United Parcel Service Com 911312106   15,723 100 SH   DFND 0 100 0 0
Vanguard Dividend Appreciation ETF Com 921908844   224,076 1,315 SH   SOLE 0 1,315 0 0
Vanguard Total Stock Market Com 922908769   229,629 968 SH   SOLE 0 968 0 0
Verizon Communications Inc Com 92343V104   1,447,303 38,390 SH   SOLE 0 38,390 0 0
Visa Inc Com 92826C839   4,694,111 18,030 SH   SOLE 0 18,030 0 0
Visa Inc Com 92826C839   6,509 25 SH   DFND 0 25 0 0
Wal-Mart Stores Inc Com 931142103   584,724 3,709 SH   SOLE 0 3,709 0 0
Yum Brands Inc Com 988498101   2,413,029 18,468 SH   SOLE 0 18,468 0 0
Eaton Corp PLC Com G29183103   5,391,719 22,389 SH   SOLE 0 22,389 0 0
Eaton Corp PLC Com G29183103   22,878 95 SH   DFND 0 95 0 0
Linde Plc Com G54950103   2,426,885 5,909 SH   SOLE 0 5,909 0 0