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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 LABS COM 002824100   275,571 2,504 SH   SOLE   0 0 2,504
ABBOTT LABS COM 002824100   5,504 50 SH   DFND   0 0 50
ABBVIE INC COM 00287Y109   237,105 1,530 SH   SOLE   0 0 1,530
ABBVIE INC COM 00287Y109   11,158 72 SH   DFND   0 0 72
ABRDN ASIA PACIFIC INCOME FU COM 003009107   81,300 30,000 SH   SOLE   0 0 30,000
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   359,683 1,025 SH   SOLE   0 0 1,025
ALPHABET INC CAP STK CL C 02079K107   930,984 6,606 SH   SOLE   0 0 6,606
ALPHABET INC CAP STK CL A 02079K305   825,708 5,911 SH   SOLE   0 0 5,911
ALPHABET INC CAP STK CL A 02079K305   36,739 263 SH   DFND   0 0 263
AMAZON COM INC COM 023135106   2,224,858 14,643 SH   SOLE   0 0 14,643
AMAZON COM INC COM 023135106   31,908 210 SH   DFND   0 0 210
AMERICAN CENTY ETF TR US EQT ETF 025072885   18,639,945 228,571 SH   SOLE   0 0 228,571
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   3,860,867 63,890 SH   SOLE   0 0 63,890
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   3,309,683 58,693 SH   SOLE   0 0 58,693
AMERICAN CENTY ETF TR US SML CP VALU 025072877   1,375,458 15,317 SH   SOLE   0 0 15,317
AMERICAN EXPRESS CO COM 025816109   497,576 2,656 SH   SOLE   0 0 2,656
AMERICAN TOWER CORP NEW COM 03027X100   336,773 1,560 SH   SOLE   0 0 1,560
AMGEN INC COM 031162100   236,465 821 SH   SOLE   0 0 821
AMGEN INC COM 031162100   7,201 25 SH   DFND   0 0 25
APPLE INC COM 037833100   10,580,655 54,956 SH   SOLE   0 0 54,956
APPLE INC COM 037833100   73,547 382 SH   DFND   0 0 382
BANK MONTREAL QUE COM 063671101   219,647 2,220 SH   SOLE   0 0 2,220
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,607,542 7,311 SH   SOLE   0 0 7,311
CATERPILLAR INC COM 149123101   605,828 2,049 SH   SOLE   0 0 2,049
CHEVRON CORP NEW COM 166764100   204,454 1,371 SH   SOLE   0 0 1,371
CHEVRON CORP NEW COM 166764100   28,490 191 SH   DFND   0 0 191
CHUBB LIMITED COM H1467J104   919,820 4,070 SH   SOLE   0 0 4,070
CISCO SYS INC COM 17275R102   321,386 6,362 SH   SOLE   0 0 6,362
COSTCO WHSL CORP NEW COM 22160K105   736,325 1,116 SH   SOLE   0 0 1,116
COSTCO WHSL CORP NEW COM 22160K105   1,981 3 SH   DFND   0 0 3
DANAHER CORPORATION COM 235851102   755,968 3,268 SH   SOLE   0 0 3,268
DEERE & CO COM 244199105   415,865 1,040 SH   SOLE   0 0 1,040
DEERE & CO COM 244199105   4,799 12 SH   DFND   0 0 12
DELTA AIR LINES INC DEL COM NEW 247361702   253,812 6,309 SH   SOLE   0 0 6,309
DELTA AIR LINES INC DEL COM NEW 247361702   11,426 284 SH   DFND   0 0 284
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   9,290,285 324,722 SH   SOLE   0 0 324,722
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   483,902 16,896 SH   SOLE   0 0 16,896
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   278,399 11,547 SH   SOLE   0 0 11,547
DISCOVER FINL SVCS COM 254709108   253,125 2,252 SH   SOLE   0 0 2,252
ELI LILLY & CO COM 532457108   198,193 340 SH   SOLE   0 0 340
ELI LILLY & CO COM 532457108   13,408 23 SH   DFND   0 0 23
ENBRIDGE INC COM 29250N105   172,680 4,794 SH   SOLE   0 0 4,794
ENBRIDGE INC COM 29250N105   72,040 2,000 SH   DFND   0 0 2,000
EXXON MOBIL CORP COM 30231G102   440,818 4,409 SH   SOLE   0 0 4,409
EXXON MOBIL CORP COM 30231G102   174,965 1,750 SH   DFND   0 0 1,750
FLEXSHARES TR HIG YLD VL ETF 33939L662   10,887,432 266,392 SH   SOLE   0 0 266,392
FLEXSHARES TR QLT DIV DEF IDX 33939L845   906,217 15,344 SH   SOLE   0 0 15,344
FLEXSHARES TR STOXX GLOBR INF 33939L795   357,648 6,685 SH   SOLE   0 0 6,685
FLEXSHARES TR INTL QLTDV DEF 33939L811   222,270 10,608 SH   SOLE   0 0 10,608
FLEXSHARES TR HIG YLD VL ETF 33939L662   204,350 5,000 SH   DFND   0 0 5,000
FORD MTR CO DEL COM 345370860   129,821 10,650 SH   SOLE   0 0 10,650
FREEPORT-MCMORAN INC CL B 35671D857   280,835 6,597 SH   SOLE   0 0 6,597
GLOBAL X FDS US INFR DEV ETF 37954Y673   3,418,777 99,210 SH   SOLE   0 0 99,210
GOLDMAN SACHS GROUP INC COM 38141G104   256,152 664 SH   SOLE   0 0 664
GOLDMAN SACHS GROUP INC COM 38141G104   3,087 8 SH   DFND   0 0 8
GRAINGER W W INC COM 384802104   248,607 300 SH   SOLE   0 0 300
HOME DEPOT INC COM 437076102   303,925 877 SH   SOLE   0 0 877
HOME DEPOT INC COM 437076102   6,931 20 SH   DFND   0 0 20
INTEL CORP COM 458140100   904,199 17,994 SH   SOLE   0 0 17,994
INTUIT COM 461202103   1,970,095 3,152 SH   SOLE   0 0 3,152
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   7,311,168 46,332 SH   SOLE   0 0 46,332
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   178,314 1,130 SH   DFND   0 0 1,130
INVESCO QQQ TR UNIT SER 1 46090E103   1,950,954 4,764 SH   SOLE   0 0 4,764
ISHARES INC MSCI EMRG CHN 46434G764   10,262,616 185,212 SH   SOLE   0 0 185,212
ISHARES INC ESG AWR MSCI EM 46434G863   1,048,894 32,717 SH   SOLE   0 0 32,717
ISHARES INC CORE MSCI EMKT 46434G103   447,330 8,844 SH   SOLE   0 0 8,844
ISHARES INC EM MKTS DIV ETF 464286319   315,867 11,924 SH   SOLE   0 0 11,924
ISHARES INC MSCI EMRG CHN 46434G764   66,492 1,200 SH   DFND   0 0 1,200
ISHARES TR MSCI EMG MKT ETF 464287234   3,706,036 92,167 SH   SOLE   0 0 92,167
ISHARES TR IBONDS DEC 2031 46436E486   2,610,395 125,681 SH   SOLE   0 0 125,681
ISHARES TR ESG AWR MSCI USA 46435G425   2,028,248 19,331 SH   SOLE   0 0 19,331
ISHARES TR CORE US AGGBD ET 464287226   1,917,014 19,315 SH   SOLE   0 0 19,315
ISHARES TR CORE S&P500 ETF 464287200   1,529,355 3,202 SH   SOLE   0 0 3,202
ISHARES TR EXPONENTIAL TECH 46434V381   1,271,460 21,237 SH   SOLE   0 0 21,237
ISHARES TR ESG AW MSCI EAFE 46435G516   1,224,637 16,212 SH   SOLE   0 0 16,212
ISHARES TR S&P 500 GRWT ETF 464287309   1,166,904 15,538 SH   SOLE   0 0 15,538
ISHARES TR IBONDS DEC24 ETF 46434VBG4   960,057 38,541 SH   SOLE   0 0 38,541
ISHARES TR IBONDS DEC 2030 46436E726   839,178 38,779 SH   SOLE   0 0 38,779
ISHARES TR IBONDS DEC 2032 46436E312   823,457 32,638 SH   SOLE   0 0 32,638
ISHARES TR CONSER ALLOC ETF 464289883   602,440 16,665 SH   SOLE   0 0 16,665
ISHARES TR CRE U S REIT ETF 464288521   500,451 9,218 SH   SOLE   0 0 9,218
ISHARES TR RUS MID CAP ETF 464287499   481,616 6,196 SH   SOLE   0 0 6,196
ISHARES TR RUS 1000 GRW ETF 464287614   409,765 1,352 SH   SOLE   0 0 1,352
ISHARES TR IBONDS 24 TRM TS 46436E874   401,564 16,830 SH   SOLE   0 0 16,830
ISHARES TR BLACKROCK ULTRA 46434V878   388,931 7,723 SH   SOLE   0 0 7,723
ISHARES TR RUSSELL 3000 ETF 464287689   304,399 1,112 SH   SOLE   0 0 1,112
ISHARES TR IBONDS DEC 29 46436E205   298,480 12,938 SH   SOLE   0 0 12,938
ISHARES TR 3 7 YR TREAS BD 464288661   297,276 2,538 SH   SOLE   0 0 2,538
ISHARES TR GLOBAL TECH ETF 464287291   284,311 4,170 SH   SOLE   0 0 4,170
ISHARES TR RUSSELL 2000 ETF 464287655   284,206 1,416 SH   SOLE   0 0 1,416
ISHARES TR MSCI EAFE ETF 464287465   241,648 3,207 SH   SOLE   0 0 3,207
ISHARES TR IBONDS DEC25 ETF 46434VBD1   231,482 9,349 SH   SOLE   0 0 9,349
ISHARES TR IBONDS DEC2026 46435GAA0   218,494 9,142 SH   SOLE   0 0 9,142
ISHARES TR IBONDS 29 TRM TS 46436E825   211,441 9,708 SH   SOLE   0 0 9,708
ISHARES TR US HLTHCARE ETF 464287762   209,242 731 SH   SOLE   0 0 731
ISHARES TR RUS 1000 VAL ETF 464287598   202,119 1,223 SH   SOLE   0 0 1,223
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   28,047,405 586,030 SH   SOLE   0 0 586,030
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   8,560,348 170,423 SH   SOLE   0 0 170,423
JOHNSON & JOHNSON COM 478160104   412,724 2,633 SH   SOLE   0 0 2,633
JOHNSON & JOHNSON COM 478160104   7,211 46 SH   DFND   0 0 46
JPMORGAN CHASE & CO COM 46625H100   1,154,809 6,789 SH   SOLE   0 0 6,789
LINDE PLC SHS G54950103   909,723 2,215 SH   SOLE   0 0 2,215
LINDE PLC SHS G54950103   13,965 34 SH   DFND   0 0 34
LOWES COS INC COM 548661107   280,636 1,261 SH   SOLE   0 0 1,261
MARSH & MCLENNAN COS INC COM 571748102   499,633 2,637 SH   SOLE   0 0 2,637
MASTERCARD INCORPORATED CL A 57636Q104   474,280 1,112 SH   SOLE   0 0 1,112
MCDONALDS CORP COM 580135101   411,556 1,388 SH   SOLE   0 0 1,388
META PLATFORMS INC CL A 30303M102   539,436 1,524 SH   SOLE   0 0 1,524
META PLATFORMS INC CL A 30303M102   22,654 64 SH   DFND   0 0 64
MICROSOFT CORP COM 594918104   4,656,014 12,382 SH   SOLE   0 0 12,382
MICROSOFT CORP COM 594918104   364,759 970 SH   DFND   0 0 970
NEXTERA ENERGY INC COM 65339F101   364,501 6,001 SH   SOLE   0 0 6,001
NORFOLK SOUTHN CORP COM 655844108   408,705 1,729 SH   SOLE   0 0 1,729
NOVO-NORDISK A S ADR 670100205   530,699 5,130 SH   SOLE   0 0 5,130
NUVEEN AMT FREE MUN CR INC F COM 67071L106   147,750 12,500 SH   SOLE   0 0 12,500
NVIDIA CORPORATION COM 67066G104   424,899 858 SH   SOLE   0 0 858
NVIDIA CORPORATION COM 67066G104   30,704 62 SH   DFND   0 0 62
ORACLE CORP COM 68389X105   316,818 3,005 SH   SOLE   0 0 3,005
PARAMOUNT GLOBAL CLASS B COM 92556H206   147,900 10,000 SH   SOLE   0 0 10,000
PARKER-HANNIFIN CORP COM 701094104   207,315 450 SH   SOLE   0 0 450
PEPSICO INC COM 713448108   412,882 2,431 SH   SOLE   0 0 2,431
PEPSICO INC COM 713448108   22,080 130 SH   DFND   0 0 130
PROCTER AND GAMBLE CO COM 742718109   680,253 4,642 SH   SOLE   0 0 4,642
PROGRESSIVE CORP COM 743315103   225,382 1,415 SH   SOLE   0 0 1,415
PROGRESSIVE CORP COM 743315103   3,823 24 SH   DFND   0 0 24
REPUBLIC SVCS INC COM 760759100   366,925 2,225 SH   SOLE   0 0 2,225
RTX CORPORATION COM 75513E101   426,422 5,068 SH   SOLE   0 0 5,068
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   3,514,401 63,129 SH   SOLE   0 0 63,129
SCHWAB STRATEGIC TR US REIT ETF 808524847   1,619,269 78,188 SH   SOLE   0 0 78,188
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,352,443 36,592 SH   SOLE   0 0 36,592
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   693,705 27,983 SH   SOLE   0 0 27,983
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   573,835 6,917 SH   SOLE   0 0 6,917
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   541,284 11,172 SH   SOLE   0 0 11,172
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   412,528 15,200 SH   SOLE   0 0 15,200
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   263,497 5,652 SH   SOLE   0 0 5,652
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748   251,515 7,215 SH   SOLE   0 0 7,215
SELECT SECTOR SPDR TR ENERGY 81369Y506   532,888 6,356 SH   SOLE   0 0 6,356
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   376,753 1,957 SH   SOLE   0 0 1,957
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   328,949 2,412 SH   SOLE   0 0 2,412
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   245,864 1,375 SH   SOLE   0 0 1,375
SOUTHERN CO COM 842587107   346,836 4,946 SH   SOLE   0 0 4,946
SOUTHERN CO COM 842587107   1,824 26 SH   DFND   0 0 26
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   282,794 8,315 SH   SOLE   0 0 8,315
SPDR S&P 500 ETF TR TR UNIT 78462F103   5,742,935 12,083 SH   SOLE   0 0 12,083
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   400,871 790 SH   SOLE   0 0 790
SPDR SER TR PRTFLO S&P500 VL 78464A508   1,277,471 27,396 SH   SOLE   0 0 27,396
SPDR SER TR S&P DIVID ETF 78464A763   832,676 6,663 SH   SOLE   0 0 6,663
SPDR SER TR PORTFOLIO SH TSR 78468R101   283,732 9,767 SH   SOLE   0 0 9,767
SPDR SER TR NYSE TECH ETF 78464A102   209,614 1,277 SH   SOLE   0 0 1,277
STARBUCKS CORP COM 855244109   280,297 2,919 SH   SOLE   0 0 2,919
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   243,360 2,340 SH   SOLE   0 0 2,340
TESLA INC COM 88160R101   1,260,291 5,072 SH   SOLE   0 0 5,072
TESLA INC COM 88160R101   15,158 61 SH   DFND   0 0 61
TEXAS INSTRS INC COM 882508104   465,186 2,729 SH   SOLE   0 0 2,729
TG THERAPEUTICS INC COM 88322Q108   170,800 10,000 SH   SOLE   0 0 10,000
THERMO FISHER SCIENTIFIC INC COM 883556102   328,560 619 SH   SOLE   0 0 619
THERMO FISHER SCIENTIFIC INC COM 883556102   1,593 3 SH   DFND   0 0 3
UNION PAC CORP COM 907818108   755,415 3,076 SH   SOLE   0 0 3,076
UNION PAC CORP COM 907818108   2,948 12 SH   DFND   0 0 12
UNITEDHEALTH GROUP INC COM 91324P102   462,768 879 SH   SOLE   0 0 879
UNITEDHEALTH GROUP INC COM 91324P102   2,633 5 SH   DFND   0 0 5
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   17,296,727 224,574 SH   SOLE   0 0 224,574
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   4,212,641 57,276 SH   SOLE   0 0 57,276
VANGUARD INDEX FDS TOTAL STK MKT 922908769   43,474,272 183,266 SH   SOLE   0 0 183,266
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   12,711,498 143,860 SH   SOLE   0 0 143,860
VANGUARD INDEX FDS MID CAP ETF 922908629   4,003,174 17,208 SH   SOLE   0 0 17,208
VANGUARD INDEX FDS VALUE ETF 922908744   3,847,900 25,738 SH   SOLE   0 0 25,738
VANGUARD INDEX FDS GROWTH ETF 922908736   1,857,863 5,976 SH   SOLE   0 0 5,976
VANGUARD INDEX FDS LARGE CAP ETF 922908637   893,761 4,097 SH   SOLE   0 0 4,097
VANGUARD INDEX FDS SMALL CP ETF 922908751   809,137 3,793 SH   SOLE   0 0 3,793
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   582,692 1,334 SH   SOLE   0 0 1,334
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   88,449 1,001 SH   DFND   0 0 1,001
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   7,711,698 187,633 SH   SOLE   0 0 187,633
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   406,467 8,559 SH   SOLE   0 0 8,559
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   5,358,938 91,873 SH   SOLE   0 0 91,873
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   5,161,969 87,019 SH   SOLE   0 0 87,019
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   3,668,657 45,136 SH   SOLE   0 0 45,136
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,820,588 23,531 SH   SOLE   0 0 23,531
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   28,472,792 594,422 SH   SOLE   0 0 594,422
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,032,355 9,248 SH   SOLE   0 0 9,248
VISA INC COM CL A 92826C839   857,593 3,294 SH   SOLE   0 0 3,294
VISA INC COM CL A 92826C839   6,249 24 SH   DFND   0 0 24
WALMART INC COM 931142103   853,360 5,413 SH   SOLE   0 0 5,413
WISDOMTREE TR EM EX ST-OWNED 97717X578   753,595 26,094 SH   SOLE   0 0 26,094