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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ADVANCED MICRO COMMON STOCKS 007903107 206 2,000 SH   SOLE 0 0 0 2,000
AIRBNB INC COMMON STOCKS 009066101 456 2,716 SH   SOLE 0 2 0 2,714
ALPHABET INC COMMON STOCKS 02079K107 821 308 SH   SOLE 0 0 0 308
ALPHABET INC COMMON STOCKS 02079K305 767 287 SH   DFND 1,2,3 0 0 287
AMAZON COM COMMON STOCKS 023135106 2,283 695 SH   DFND 2,3 0 0 695
ANTHEM INC COMMON STOCKS 036752103 382 1,026 SH   SOLE 0 0 0 1,026
APPLE INC COMMON STOCKS 037833100 11,577 81,813 SH   DFND 1,2,3 16 0 81,797
AT&T INC COMMON STOCKS 00206R102 351 12,978 SH   DFND 2,3 0 0 12,978
AUTOMATIC DATA COMMON STOCKS 053015103 321 1,607 SH   DFND 2 0 0 1,607
BANK AMERICA COMMON STOCKS 060505104 251 5,911 SH   DFND 1,2,3 0 0 5,911
BENTLEY SYSTEMS COMMON STOCKS 08265T208 261 4,308 SH   SOLE 0 0 0 4,308
BERKSHIRE HATHAWAY COMMON STOCKS 084670702 969 3,552 SH   DFND 3 0 0 3,552
CISCO SYSTEMS COMMON STOCKS 17275R102 344 6,320 SH   DFND 1,2,3 0 0 6,320
COCA COLA COMPANY COMMON STOCKS 191216100 275 5,236 SH   DFND 3 0 0 5,236
COINBASE GLOBAL COMMON STOCKS 19260Q107 662 2,908 SH   SOLE 0 0 0 2,908
CONSUMER DISCRETIONARY ETF - EQUITY 81369Y407 11,263 62,765 SH   DFND 1 638 0 62,127
DEXCOM INC COMMON STOCKS 252131107 251 459 SH   SOLE 0 0 0 459
DIMENSIONAL INTL ETF 25434V807 467 14,276 SH   SOLE 0 1,185 0 13,091
DIMENSIONAL US ETF 25434V401 2,592 54,955 SH   SOLE 0 8,656 0 46,299
DIMENSIONAL US ETF 25434V500 491 8,531 SH   SOLE 0 0 0 8,531
DIMENSIONAL US ETF 25434V708 595 22,404 SH   SOLE 0 213 0 22,191
DIMENSIONAL WORLD ETF 25434V880 321 12,418 SH   SOLE 0 0 0 12,418
FACEBOOK INC COMMON STOCKS 30303M102 586 1,727 SH   DFND 1,2,3 0 0 1,727
FIRST TRUST ETF 33733E500 330 5,274 SH   SOLE 0 0 0 5,274
FIRST TRUST ETF 33736G106 753 36,016 SH   SOLE 0 0 0 36,016
FIRST TRUST ETF 33738D309 210 4,380 SH   SOLE 0 66 0 4,314
FIRST TRUST ETF 33739Q200 11,937 235,997 SH   SOLE 0 1,209 0 234,788
FIRST TRUST ETF 33740F805 2,459 45,911 SH   SOLE 0 0 0 45,911
FIRST TRUST ETF 33740U109 285 10,986 SH   SOLE 0 150 0 10,836
GENERAL ELECTRIC COMMON STOCKS 369604301 629 6,102 SH   SOLE 0 0 0 6,102
HERSHEY COMPANY COMMON STOCKS 427866108 215 1,271 SH   SOLE 0 0 0 1,271
HOME DEPOT COMMON STOCKS 437076102 302 920 SH   DFND 2,3 0 0 920
INTEL CORP COMMON STOCKS 458140100 271 5,090 SH   DFND 1,2,3 0 0 5,090
INTL BUSINESS COMMON STOCKS 459200101 367 2,644 SH   SOLE 0 0 0 2,644
INTUITIVE SURGICAL COMMON STOCKS 46120E602 298 300 SH   SOLE 0 0 0 300
INVESCO QQQ ETF 46090E103 209 584 SH   SOLE 0 41 0 543
INVESCO S&P ETF 46137V274 659 6,417 SH   SOLE 0 0 0 6,417
INVESCO S&P ETF 46137V373 318 2,064 SH   SOLE 0 0 0 2,064
ISHARES 1-3YR ETF - FIXED INCOME 464287457 329 3,823 SH   DFND 1 0 0 3,823
ISHARES 20 ETF - FIXED INCOME 464287432 202 1,398 SH   DFND 1 0 0 1,398
ISHARES 7-10YR ETF - FIXED INCOME 464287440 762 6,610 SH   DFND 1 0 0 6,610
iShares Barclays 10-20 Year Treas Bd ETF - FIXED INCOME 464288653 446 3,035 SH   SOLE 0 0 0 3,035
iShares Barclays Government/Cr Bond ETF - FIXED INCOME 464288596 455 3,733 SH   SOLE 0 0 0 3,733
iShares Board USD Invest Grade Bd ETF - FIXED INCOME 464288620 454 7,551 SH   SOLE 0 0 0 7,551
ISHARES CORE ETF - EQUITY 464287200 822 1,907 SH   DFND 1,2,3 0 0 1,907
ISHARES CORE ETF - FIXED INCOME 464287226 460 4,005 SH   DFND 1 0 0 4,005
ISHARES CORE ETF 464287804 2,587 23,689 SH   SOLE 0 0 0 23,689
ISHARES CORE ETF 46429B663 4,572 48,499 SH   SOLE 0 721 0 47,778
ISHARES CORE ETF - EQUITY 46432F842 3,215 43,304 SH   DFND 1 1,384 0 41,920
ISHARES CORE ETF - EQUITY 46434G103 1,645 26,632 SH   DFND 1 0 0 26,632
ISHARES CORE ETF - EQUITY 46434V621 9,762 194,299 SH   DFND 1 97 0 194,202
iShares Core MSCI Europe ETF ETF - EQUITY 46434V738 206 3,671 SH   SOLE 1 0 0 3,671
ISHARES EXPONENTIAL ETF 46434V381 2,124 33,855 SH   SOLE 0 0 0 33,855
iShares FTSE NAREIT Residential ETF - EQUITY 464288562 435 5,082 SH   SOLE 0 0 0 5,082
ISHARES GLOBAL ETF 464288224 241 11,111 SH   SOLE 0 89 0 11,022
ISHARES IBONDS ETF 46434VAX8 445 17,114 SH   SOLE 0 1,414 0 15,700
ISHARES IBONDS ETF 46434VBA7 628 24,806 SH   SOLE 0 1,419 0 23,387
ISHARES IBONDS ETF 46434VBG4 426 16,193 SH   SOLE 0 1,416 0 14,777
ISHARES IBONDS ETF 46434VBK5 606 24,489 SH   SOLE 0 1,430 0 23,059
ISHARES IBOXX ETF - FIXED INCOME 464287242 9,239 69,450 SH   DFND 1 606 0 68,844
ISHARES IBOXX ETF - FIXED INCOME 464288513 1,393 15,919 SH   DFND 1,2,3 0 0 15,919
ISHARES JPMORGAN ETF - FIXED INCOME 464288281 854 7,759 SH   DFND 1 216 0 7,543
ISHARES MSCI ETF 464287234 1,236 24,543 SH   SOLE 0 885 0 23,658
ISHARES MSCI ETF 464287465 795 10,188 SH   SOLE 0 182 0 10,006
ISHARES MSCI ETF - EQUITY 46432F396 355 2,020 SH   DFND 1,2 0 0 2,020
iShares MSCI All Country Asia Ex Jpn ETF - EQUITY 464288182 209 2,461 SH   SOLE 1 0 0 2,461
ISHARES NATIONAL ETF 464288414 676 5,823 SH   SOLE 0 0 0 5,823
iShares Rate Hedged Corp Bond ETF - FIXED INCOME 46431W705 348 3,634 SH   SOLE 1 0 0 3,634
ISHARES RUSSELL ETF - EQUITY 464287481 941 8,399 SH   DFND 1 0 0 8,399
ISHARES RUSSELL ETF - EQUITY 464287648 626 2,132 SH   DFND 1 0 0 2,132
ISHARES RUSSELL ETF 46435G268 6,977 108,671 SH   SOLE 0 8 0 108,663
iShares S&P Mid Cap 400/Barra Value ETF - EQUITY 464287705 374 3,634 SH   SOLE 0 0 0 3,634
ISHARES U S ETF - EQUITY 464287770 384 2,042 SH   DFND 1 0 0 2,042
ISHARES U S ETF - EQUITY 464288752 377 5,696 SH   DFND 1 0 0 5,696
JOHNSON & JOHNSON COMMON STOCKS 478160104 712 4,406 SH   DFND 2 0 0 4,406
JPMORGAN CHASE COMMON STOCKS 46625H100 338 2,067 SH   DFND 2,3 0 0 2,067
MCDONALDS CORP COMMON STOCKS 580135101 289 1,200 SH   DFND 2,3 0 0 1,200
MICROSOFT CORP COMMON STOCKS 594918104 3,291 11,674 SH   DFND 1,2,3 0 0 11,674
Nuveen Enhanced Yield US Aggre ETF - FIXED INCOME 67092P102 455 18,353 SH   SOLE 0 0 0 18,353
NVIDIA CORP COMMON STOCKS 67066G104 925 4,464 SH   SOLE 0 0 0 4,464
PAYPAL HOLDINGS COMMON STOCKS 70450Y103 833 3,200 SH   DFND 2 0 0 3,200
PEPSICO INC COMMON STOCKS 713448108 227 1,508 SH   DFND 3 0 0 1,508
PFIZER INC COMMON STOCKS 717081103 294 6,828 SH   DFND 1,3 0 0 6,828
PIMCO 15 Year U.S. TIPS Index ETF - FIXED INCOME 72201R304 370 4,262 SH   SOLE 0 0 0 4,262
PIMCO INVESTMENT ETF 72201R817 9,065 79,819 SH   SOLE 0 0 0 79,819
PLUG POWER COMMON STOCKS 72919P202 1,296 50,727 SH   SOLE 0 38 0 50,689
PROCTER & GAMBLE COMMON STOCKS 742718109 565 4,040 SH   DFND 1,2,3 0 0 4,040
REGENERON PHARMACEUTICAL COMMON STOCKS 75886F107 204 337 SH   DFND 1 0 0 337
SECTOR CONSUMER ETF 81369Y308 1,065 15,475 SH   SOLE 0 0 0 15,475
SECTOR FINANCIAL ETF - EQUITY 81369Y605 5,750 153,200 SH   DFND 1 2,917 0 150,283
SECTOR HEALTHCARE ETF - EQUITY 81369Y209 7,203 56,580 SH   DFND 1 0 0 56,580
SECTOR TECHNOLOGY ETF - EQUITY 81369Y803 9,603 64,309 SH   DFND 1 217 0 64,092
SELECT SECTOR ETF - EQUITY 81369Y852 518 6,464 SH   DFND 1 0 0 6,464
SELECT UTILITIES ETF - EQUITY 81369Y886 540 8,449 SH   DFND 1 0 0 8,449
SIRIUS XM COMMON STOCKS 82968B103 77 12,676 SH   SOLE 0 0 0 12,676
SOUTHWEST AIRLINES COMMON STOCKS 844741108 588 11,425 SH   SOLE 0 0 0 11,425
SPDR BLM Barclays High Yld Bond ETF - FIXED INCOME 78468R622 352 3,219 SH   SOLE 1,2 0 0 3,219
SPDR Bloomberg Barcly Srt Trm Treas ETF - FIXED INCOME 78468R101 530 17,298 SH   SOLE 1 0 0 17,298
SPDR PORTFOLIO ETF 78463X509 260 6,108 SH   SOLE 0 0 0 6,108
SPDR PORTFOLIO ETF 78464A474 213 6,814 SH   SOLE 0 0 0 6,814
SPDR Portfolio S&P 500 Value ETF - EQUITY 78464A508 374 9,579 SH   SOLE 1 0 0 9,579
SPDR S&P ETF 78462F103 869 2,025 SH   SOLE 0 77 0 1,948
SPDR S&P ETF 78464A698 348 5,141 SH   SOLE 0 0 0 5,141
SPDR S&P Software & Services ETF ETF - EQUITY 78464A599 371 2,163 SH   SOLE 1 0 0 2,163
SYSCO CORP COMMON STOCKS 871829107 204 2,597 SH   DFND 2 0 0 2,597
TESLA INC COMMON STOCKS 88160R101 364 469 SH   SOLE 0 0 0 469
Vanguard Extended Market Index ETF ETF - EQUITY 922908652 308 1,691 SH   SOLE 1 0 0 1,691
VANGUARD FTSE ETF 921943858 201 3,979 SH   SOLE 0 0 0 3,979
VANGUARD FTSE ETF - EQUITY 922042775 992 16,271 SH   DFND 1 0 0 16,271
Vanguard FTSE Pacific ETF ETF - EQUITY 922042866 306 3,775 SH   SOLE 1 0 0 3,775
VANGUARD GROWTH ETF - EQUITY 922908736 37,140 127,996 SH   DFND 1 989 0 127,007
VANGUARD LARGE ETF 922908637 219 1,088 SH   SOLE 0 0 0 1,088
VANGUARD MEGA ETF 921910873 889 5,834 SH   SOLE 0 62 0 5,772
Vanguard Mega Cap 300 Growth Index ETF - EQUITY 921910816 1,024 4,362 SH   SOLE 1 0 0 4,362
Vanguard Mega Cap 300 Value Index ETF ETF - EQUITY 921910840 746 7,622 SH   SOLE 1 0 0 7,622
VANGUARD MID ETF - EQUITY 922908512 427 3,061 SH   DFND 1,3 0 0 3,061
VANGUARD MID ETF - EQUITY 922908538 415 1,758 SH   DFND 1 0 0 1,758
VANGUARD MID ETF - EQUITY 922908629 14,398 60,813 SH   DFND 1 334 0 60,479
VANGUARD S&P ETF - EQUITY 922908363 1,847 4,683 SH   DFND 1 0 0 4,683
VANGUARD SHORT ETF 921937827 293 3,578 SH   SOLE 0 0 0 3,578
VANGUARD SMALL ETF - EQUITY 922908595 342 1,222 SH   DFND 1 0 0 1,222
VANGUARD SMALL ETF - EQUITY 922908611 365 2,158 SH   DFND 1 0 0 2,158
VANGUARD SMALL ETF 922908751 9,304 42,549 SH   SOLE 0 578 0 41,971
VANGUARD TOTAL ETF - FIXED INCOME 921937835 266 3,108 SH   DFND 1 0 0 3,108
VANGUARD TOTAL ETF 922908769 3,430 15,448 SH   SOLE 0 105 0 15,343
Vanguard Total Int'l Bond ETF ETF - FIXED INCOME 92203J407 317 5,565 SH   SOLE 1 0 0 5,565
VANGUARD VALUE ETF - EQUITY 922908744 30,841 227,830 SH   DFND 1 2,059 0 225,771
VERISK ANALYTICS COMMON STOCKS 92345Y106 664 3,316 SH   SOLE 0 0 0 3,316
VERIZON COMMUNICATIONS COMMON STOCKS 92343V104 803 14,875 SH   DFND 1,2,3 0 0 14,875
VISA INC COMMON STOCKS 92826C839 226 1,016 SH   DFND 3 0 0 1,016
WALT DISNEY COMMON STOCKS 254687106 1,533 9,062 SH   DFND 2,3 0 0 9,062