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
CSX CORP COM 126408103   542,878 16,230 SH   SOLE   11,157 0 5,073
CATERPILLAR INC COM 149123101   45,635 137 SH   DFND 1,442,676 0 26 111
CATERPILLAR INC COM 149123101   264,309 793 SH   SOLE   229 0 564
CHEVRON CORP NEW COM 166764100   331,670 2,120 SH   SOLE   887 0 1,233
COCA COLA CO COM 191216100   25,460 400 SH   DFND 825,204 0 400 0
COCA COLA CO COM 191216100   344,156 5,407 SH   SOLE   2,733 0 2,674
CORNING INC COM 219350105   231,973 5,971 SH   SOLE   4,546 0 1,425
DISNEY WALT CO COM 254687106   29,787 300 SH   DFND 825,204 0 300 0
DISNEY WALT CO COM 254687106   281,803 2,838 SH   SOLE   312 0 2,526
ENTERPRISE PRODS PARTNERS L COM 293792107   819,460 28,277 SH   SOLE   21,164 0 7,112
FIRST TR NAS100 EQ WEIGHTED SHS 337344105   267,416 2,169 SH   SOLE   2,169 0 0
FRANKLIN TEMPLETON DIGITAL H BITCOIN ETF SHS 354921108   1,056,787 30,350 SH   SOLE   19,393 0 10,957
HEXCEL CORP NEW COM 428291108   211,866 3,393 SH   SOLE   3,083 0 310
ISHARES TR CORE S&P TTL STK 464287150   8,728,740 73,487 SH   SOLE   47,234 0 26,253
ISHARES TR CORE S&P500 ETF 464287200   5,747,907 10,504 SH   SOLE   7,052 0 3,452
ISHARES TR CORE US AGGBD ET 464287226   1,361,407 14,025 SH   SOLE   9,274 0 4,751
ISHARES TR 20 YR TR BD ETF 464287432   132,806 1,447 SH   DFND 1,442,676 0 277 1,170
ISHARES TR 20 YR TR BD ETF 464287432   92,881 1,012 SH   SOLE   304 0 708
ISHARES TR 7-10 YR TRSY BD 464287440   183,741 1,962 SH   DFND 1,442,676 0 372 1,590
ISHARES TR 7-10 YR TRSY BD 464287440   95,617 1,021 SH   SOLE   406 0 615
ISHARES TR 1 3 YR TREAS BD 464287457   110,472 1,353 SH   DFND 1,442,676 0 260 1,093
ISHARES TR 1 3 YR TREAS BD 464287457   96,919 1,187 SH   SOLE   338 0 849
ISHARES TR MSCI EAFE ETF 464287465   257,784 3,291 SH   SOLE   0 0 3,291
ISHARES TR U.S. TECH ETF 464287721   732,634 4,868 SH   SOLE   0 0 4,868
ISHARES TR SHRT NAT MUN ETF 464288158   714,286 6,832 SH   SOLE   2,066 0 4,766
ISHARES TR MRGSTR MD CP ETF 464288208   1,247,186 17,793 SH   SOLE   10,904 0 6,889
ISHARES TR MRGSTR MD CP GRW 464288307   256,502 3,786 SH   SOLE   3,786 0 0
ISHARES TR MSCI KLD400 SOC 464288570   798,295 7,687 SH   SOLE   3,999 0 3,688
ISHARES TR MBS ETF 464288588   342,635 3,732 SH   DFND 1,442,676 0 710 3,022
ISHARES TR MBS ETF 464288588   223,557 2,435 SH   SOLE   775 0 1,660
ISHARES TR ISHS 5-10YR INVT 464288638   133,379 2,602 SH   DFND 1,442,676 0 493 2,109
ISHARES TR ISHS 5-10YR INVT 464288638   125,382 2,446 SH   SOLE   1,375 0 1,071
ISHARES TR ISHS 1-5YR INVS 464288646   254,560 4,968 SH   DFND 1,442,676 0 958 4,010
ISHARES TR ISHS 1-5YR INVS 464288646   187,180 3,653 SH   SOLE   1,041 0 2,612
ISHARES TR 3 7 YR TREAS BD 464288661   359,689 3,115 SH   DFND 1,442,676 0 597 2,518
ISHARES TR 3 7 YR TREAS BD 464288661   287,174 2,487 SH   SOLE   652 0 1,835
JOHNSON & JOHNSON COM 478160104   40,340 276 SH   DFND 1,442,676 0 54 222
JOHNSON & JOHNSON COM 478160104   5,526,174 37,809 SH   SOLE   2,688 0 35,121
MCDONALDS CORP COM 580135101   927,134 3,638 SH   SOLE   3,560 0 78
MICROSOFT CORP COM 594918104   37,544 84 SH   DFND 1,442,676 0 16 68
MICROSOFT CORP COM 594918104   3,761,553 8,416 SH   SOLE   5,108 0 3,308
MONDELEZ INTL INC CL A 609207105   19,632 300 SH   DFND 825,204 0 300 0
MONDELEZ INTL INC CL A 609207105   304,713 4,656 SH   SOLE   4,531 0 125
NORFOLK SOUTHN CORP COM 655844108   547,552 2,550 SH   SOLE   1,000 0 1,550
ONEOK INC NEW COM 682680103   326,363 4,002 SH   SOLE   2,812 0 1,190
PLAINS ALL AMERN PIPELINE L UNIT LTD PARTN 726503105   414,710 23,220 SH   SOLE   21,950 0 1,270
PROCTER AND GAMBLE CO COM 742718109   36,282 220 SH   DFND 1,442,676 0 43 177
PROCTER AND GAMBLE CO COM 742718109   1,069,810 6,487 SH   SOLE   4,706 0 1,781
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   680,665 10,594 SH   SOLE   0 0 10,594
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   749,736 9,633 SH   SOLE   3,231 0 6,402
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   991,515 20,896 SH   SOLE   12,974 0 7,922
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   352,542 9,176 SH   SOLE   722 0 8,454
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   2,445,870 50,818 SH   SOLE   34,015 0 16,803
STARBUCKS CORP COM 855244109   386,457 4,964 SH   SOLE   2,352 0 2,612
UNION PAC CORP COM 907818108   382,153 1,689 SH   SOLE   740 0 949
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   2,395,983 49,361 SH   SOLE   33,458 0 15,903
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   2,321,747 46,333 SH   SOLE   31,953 0 14,380
VANGUARD INDEX FDS VALUE ETF 922908744   1,012,187 6,310 SH   SOLE   3,083 0 3,227
VANGUARD INDEX FDS SMALL CP ETF 922908751   429,975 1,972 SH   SOLE   1,216 0 756
AT&T INC COM 00206R102   439,915 23,020 SH   SOLE   3,975 0 19,045
ABBVIE INC COM 00287Y109   43,909 256 SH   DFND 1,442,676 0 49 207
ABBVIE INC COM 00287Y109   278,077 1,621 SH   SOLE   1,154 0 467
ALPHABET INC CAP STK CL A 02079K305   42,441 233 SH   DFND 1,442,676 0 47 186
ALPHABET INC CAP STK CL A 02079K305   305,101 1,675 SH   SOLE   1,096 0 579
AMAZON COM INC COM 023135106   19,325 100 SH   DFND 825,204 0 100 0
AMAZON COM INC COM 023135106   38,070 197 SH   DFND 1,442,676 0 37 160
AMAZON COM INC COM 023135106   4,972,516 25,731 SH   SOLE   14,831 0 10,900
APPLE INC COM 037833100   44,441 211 SH   DFND 1,442,676 0 42 169
APPLE INC COM 037833100   10,367,450 49,223 SH   SOLE   30,026 0 19,198
APPLIED MATLS INC COM 038222105   1,690,868 7,165 SH   SOLE   7,098 0 67
AUTOMATIC DATA PROCESSING IN COM 053015103   31,984 134 SH   DFND 1,442,676 0 27 107
AUTOMATIC DATA PROCESSING IN COM 053015103   655,900 2,748 SH   SOLE   1,654 0 1,094
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   3,401,662 8,362 SH   SOLE   2,400 0 5,962
BLACKROCK INC COM 09247X101   543,472 690 SH   SOLE   543 0 147
CISCO SYS INC COM 17275R102   19,004 400 SH   DFND 825,204 0 400 0
CISCO SYS INC COM 17275R102   41,429 872 SH   DFND 1,442,676 0 157 715
CISCO SYS INC COM 17275R102   225,678 4,750 SH   SOLE   1,514 0 3,236
COINBASE GLOBAL INC COM CL A 19260Q107   1,739,172 7,826 SH   SOLE   5,368 0 2,458
EXXON MOBIL CORP COM 30231G102   23,024 200 SH   DFND 825,204 0 200 0
EXXON MOBIL CORP COM 30231G102   47,890 416 SH   DFND 1,442,676 0 71 345
EXXON MOBIL CORP COM 30231G102   2,315,161 20,111 SH   SOLE   6,701 0 13,410
FEDEX CORP COM 31428X106   304,471 1,015 SH   SOLE   779 0 237
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200   333,515 6,941 SH   SOLE   1,434 0 5,507
INVESCO QQQ TR UNIT SER 1 46090E103   284,112 593 SH   SOLE   309 0 284
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   587,733 9,049 SH   SOLE   7,153 0 1,896
INVESCO EXCH TRADED FD TR II RUSEL 1000 EQL 46138E420   185,115 4,146 SH   DFND 1,442,676 0 796 3,350
INVESCO EXCH TRADED FD TR II RUSEL 1000 EQL 46138E420   117,829 2,639 SH   SOLE   868 0 1,771
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537   408,030 17,231 SH   SOLE   11,270 0 5,961
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   1,377,799 6,990 SH   SOLE   4,295 0 2,695
ISHARES TR MSCI USA MMENTM 46432F396   279,249 1,433 SH   SOLE   735 0 698
ISHARES TR CORE MSCI TOTAL 46432F834   1,680,555 24,875 SH   SOLE   15,366 0 9,509
ISHARES TR CORE 1 5 YR USD 46432F859   250,256 5,283 SH   SOLE   1,518 0 3,765
ISHARES TR CORE MSCI INTL 46435G326   1,464,297 22,308 SH   SOLE   13,732 0 8,576
ISHARES TR ESG AWR MSCI USA 46435G425   278,732 2,336 SH   SOLE   375 0 1,961
ISHARES TR ESG AW MSCI EAFE 46435G516   270,373 3,432 SH   SOLE   2,111 0 1,321
ISHARES GOLD TR SHARES REPRESENT 46436F103   814,390 35,103 SH   SOLE   22,758 0 12,345
JPMORGAN CHASE & CO. COM 46625H100   29,530 146 SH   DFND 1,442,676 0 30 116
JPMORGAN CHASE & CO. COM 46625H100   717,239 3,546 SH   SOLE   1,809 0 1,737
MASTERCARD INCORPORATED CL A 57636Q104   27,352 62 SH   DFND 1,442,676 0 13 49
MASTERCARD INCORPORATED CL A 57636Q104   502,486 1,139 SH   SOLE   15 0 1,124
NETFLIX INC COM 64110L106   904,339 1,340 SH   SOLE   485 0 855
NVIDIA CORPORATION COM 67066G104   37,062 300 SH   DFND 825,204 0 300 0
NVIDIA CORPORATION COM 67066G104   51,887 420 SH   DFND 1,442,676 0 90 330
NVIDIA CORPORATION COM 67066G104   3,628,749 29,373 SH   SOLE   24,273 0 5,100
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   505,383 6,227 SH   SOLE   2,496 0 3,731
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   291,890 7,724 SH   SOLE   3,877 0 3,847
RTX CORPORATION COM 75513E101   30,117 300 SH   DFND 825,204 0 300 0
RTX CORPORATION COM 75513E101   34,133 340 SH   DFND 1,442,676 0 66 274
RTX CORPORATION COM 75513E101   312,916 3,117 SH   SOLE   2,523 0 594
SPDR S&P 500 ETF TR TR UNIT 78462F103   259,049 476 SH   DFND 1,442,676 0 90 386
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,647,206 4,864 SH   SOLE   354 0 4,510
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   512,651 13,609 SH   SOLE   10,928 0 2,681
SPDR SER TR NUVEEN BLOOMBERG 78464A284   398,034 15,646 SH   SOLE   14,195 0 1,451
SPDR SER TR PRTFLO S&P500 GW 78464A409   1,806,265 22,542 SH   SOLE   14,927 0 7,615
SPDR SER TR PORTFLI INTRMDIT 78464A672   629,413 22,463 SH   SOLE   9,144 0 13,319
SPDR SER TR PORTFLI HIGH YLD 78468R606   372,911 16,053 SH   SOLE   14,072 0 1,981
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   372,168 4,055 SH   DFND 1,442,676 0 780 3,275
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   196,776 2,144 SH   SOLE   853 0 1,291
SHOPIFY INC CL A 82509L107   381,373 5,774 SH   SOLE   4,371 0 1,403
TESLA INC COM 88160R101   427,817 2,162 SH   SOLE   360 0 1,802
3M CO COM 88579Y101   237,974 2,329 SH   SOLE   396 0 1,932
TRUIST FINL CORP COM 89832Q109   361,508 9,305 SH   SOLE   2,936 0 6,369
UNITEDHEALTH GROUP INC COM 91324P102   51,435 101 SH   DFND 1,442,676 0 19 82
UNITEDHEALTH GROUP INC COM 91324P102   1,849,964 3,633 SH   SOLE   2,250 0 1,383
VERIZON COMMUNICATIONS INC COM 92343V104   16,496 400 SH   DFND 825,204 0 400 0
VERIZON COMMUNICATIONS INC COM 92343V104   721,163 17,487 SH   SOLE   13,788 0 3,699
VISA INC COM CL A 92826C839   617,081 2,351 SH   SOLE   716 0 1,635
AON PLC SHS CL A G0403H108   557,215 1,898 SH   SOLE   1,898 0 0
EATON CORP PLC SHS G29183103   314,491 1,003 SH   SOLE   350 0 653
CHUBB LIMITED COM H1467J104   45,914 180 SH   DFND 1,442,676 0 34 146
CHUBB LIMITED COM H1467J104   430,065 1,686 SH   SOLE   1,651 0 35
ASML HOLDING N V N Y REGISTRY SHS N07059210   54,205 53 SH   DFND 1,442,676 0 10 43
ASML HOLDING N V N Y REGISTRY SHS N07059210   230,114 225 SH   SOLE   136 0 89