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
3M CO COM 88579Y101   343,746 2,258 SH   SOLE   350 0 1,908
ABBVIE INC COM 00287Y109   29,885 161 SH   DFND 1,442,676 0 23 138
ABBVIE INC COM 00287Y109   294,396 1,586 SH   SOLE   1,152 0 434
ABRDN ETFS BBRG ALL COMMDY 003261203   1,015,053 30,620 SH   SOLE   18,841 0 11,779
ALLSTATE CORP COM 020002101   201,310 1,000 SH   SOLE   1,000 0 0
ALPHABET INC CAP STK CL A 02079K305   11,807 67 SH   DFND 1,348,883 67 0 0
ALPHABET INC CAP STK CL A 02079K305   42,471 241 SH   DFND 1,442,676 0 35 206
ALPHABET INC CAP STK CL A 02079K305   242,316 1,375 SH   SOLE   895 0 480
AMAZON COM INC COM 023135106   86,878 396 SH   DFND 1,348,883 396 0 0
AMAZON COM INC COM 023135106   41,026 187 SH   DFND 1,442,676 0 27 160
AMAZON COM INC COM 023135106   5,513,051 25,129 SH   SOLE   14,479 0 10,650
AON PLC SHS CL A G0403H108   677,130 1,898 SH   SOLE   1,898 0 0
APPLE INC COM 037833100   46,163 225 SH   DFND 1,348,883 225 0 0
APPLE INC COM 037833100   46,574 227 SH   DFND 1,442,676 0 32 195
APPLE INC COM 037833100   10,064,277 49,053 SH   SOLE   27,631 0 21,423
APPLIED MATLS INC COM 038222105   18,307 100 SH   DFND 825,204 0 100 0
APPLIED MATLS INC COM 038222105   1,334,580 7,290 SH   SOLE   7,173 0 117
ASML HOLDING N V N Y REGISTRY SHS N07059210   13,624 17 SH   DFND 1,348,883 17 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210   39,268 49 SH   DFND 1,442,676 0 7 42
ASML HOLDING N V N Y REGISTRY SHS N07059210   379,057 473 SH   SOLE   259 0 214
AT&T INC COM 00206R102   666,203 23,020 SH   SOLE   3,975 0 19,045
AUTOMATIC DATA PROCESSING IN COM 053015103   41,634 135 SH   DFND 1,442,676 0 21 114
AUTOMATIC DATA PROCESSING IN COM 053015103   703,165 2,280 SH   SOLE   1,178 0 1,102
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   4,498,716 9,261 SH   SOLE   2,135 0 7,126
BERKSHIRE HATHAWAY INC DEL CL A 084670108   153,048,000 210 SH   SOLE   94 0 116
BLACKROCK INC COM 09290D101   727,301 693 SH   SOLE   361 0 332
CATERPILLAR INC COM 149123101   26,398 68 SH   DFND 1,442,676 0 9 59
CATERPILLAR INC COM 149123101   282,137 727 SH   SOLE   217 0 510
CHEVRON CORP NEW COM 166764100   334,355 2,335 SH   SOLE   887 0 1,448
CHUBB LIMITED COM H1467J104   49,542 171 SH   DFND 1,442,676 0 25 146
CHUBB LIMITED COM H1467J104   500,057 1,726 SH   SOLE   1,651 0 75
CISCO SYS INC COM 17275R102   27,752 400 SH   DFND 825,204 0 400 0
CISCO SYS INC COM 17275R102   57,794 833 SH   DFND 1,442,676 0 118 715
CISCO SYS INC COM 17275R102   316,982 4,569 SH   SOLE   1,395 0 3,174
COCA COLA CO COM 191216100   21,225 300 SH   DFND 825,204 0 300 0
COCA COLA CO COM 191216100   376,178 5,317 SH   SOLE   2,733 0 2,584
COINBASE GLOBAL INC COM CL A 19260Q107   2,829,506 8,073 SH   SOLE   5,288 0 2,785
CORNING INC COM 219350105   312,700 5,946 SH   SOLE   4,546 0 1,400
CSX CORP COM 126408103   432,926 13,268 SH   SOLE   5,734 0 7,534
DISNEY WALT CO COM 254687106   12,401 100 SH   DFND 825,204 0 100 0
DISNEY WALT CO COM 254687106   342,066 2,758 SH   SOLE   246 0 2,512
EATON CORP PLC SHS G29183103   19,277 54 SH   DFND 1,348,883 54 0 0
EATON CORP PLC SHS G29183103   339,141 950 SH   SOLE   350 0 600
ENTERPRISE PRODS PARTNERS L COM 293792107   849,875 27,406 SH   SOLE   21,229 0 6,177
EXXON MOBIL CORP COM 30231G102   21,560 200 SH   DFND 825,204 0 200 0
EXXON MOBIL CORP COM 30231G102   42,689 396 SH   DFND 1,442,676 0 55 341
EXXON MOBIL CORP COM 30231G102   2,106,935 19,545 SH   SOLE   6,681 0 12,864
FEDEX CORP COM 31428X106   231,198 1,017 SH   SOLE   0 0 1,017
FIRST TR EXCHANGE-TRADED FD SHS 337344105   296,047 2,169 SH   SOLE   2,169 0 0
FRANKLIN TEMPLETON DIGITAL H BITCOIN ETF SHS 354921108   1,213,258 19,437 SH   SOLE   12,901 0 6,536
FRANKLIN TEMPLETON ETF TR FRANKLIN INDIA 35473P769   454,580 11,413 SH   SOLE   6,949 0 4,464
GRAYSCALE ETHEREUM MINI TR E SHS NEW 38964R203   741,440 31,258 SH   SOLE   18,173 0 13,085
INTERCONTINENTAL EXCHANGE IN COM 45866F104   54,858 299 SH   DFND 1,442,676 0 46 253
INTERCONTINENTAL EXCHANGE IN COM 45866F104   201,634 1,099 SH   SOLE   978 0 121
INTERNATIONAL BUSINESS MACHS COM 459200101   219,140 743 SH   SOLE   361 0 382
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537   270,516 12,082 SH   SOLE   5,476 0 6,606
INVESCO EXCH TRADED FD TR II RUSEL 1000 EQL 46138E420   268,309 5,449 SH   DFND 1,442,676 0 816 4,633
INVESCO EXCH TRADED FD TR II RUSEL 1000 EQL 46138E420   114,237 2,320 SH   SOLE   800 0 1,520
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   651,666 8,949 SH   SOLE   7,053 0 1,896
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   1,878,151 8,270 SH   SOLE   5,060 0 3,210
INVESCO QQQ TR UNIT SER 1 46090E103   301,195 546 SH   SOLE   337 0 209
ISHARES GOLD TR SHARES REPRESENT 46436F103   1,241,249 37,625 SH   SOLE   24,577 0 13,048
ISHARES INC MSCI EMRG CHN 46434G764   425,437 6,738 SH   SOLE   3,606 0 3,132
ISHARES TR ESG AW MSCI EAFE 46435G516   277,028 3,105 SH   SOLE   1,338 0 1,767
ISHARES TR CORE MSCI INTL 46435G326   552,431 7,265 SH   SOLE   4,934 0 2,331
ISHARES TR ESG AWR MSCI USA 46435G425   305,913 2,261 SH   SOLE   306 0 1,955
ISHARES TR U.S. TECH ETF 464287721   843,478 4,868 SH   SOLE   0 0 4,868
ISHARES TR U.S. UTILITS ETF 464287697   216,878 2,074 SH   SOLE   0 0 2,074
ISHARES TR CORE S&P500 ETF 464287200   6,552,045 10,552 SH   SOLE   7,193 0 3,359
ISHARES TR 7-10 YR TRSY BD 464287440   182,825 1,909 SH   DFND 1,442,676 0 287 1,622
ISHARES TR 7-10 YR TRSY BD 464287440   136,185 1,422 SH   SOLE   392 0 1,030
ISHARES TR 20 YR TR BD ETF 464287432   125,668 1,424 SH   DFND 1,442,676 0 214 1,210
ISHARES TR 20 YR TR BD ETF 464287432   88,603 1,004 SH   SOLE   291 0 713
ISHARES TR CORE MSCI TOTAL 46432F834   2,233,718 28,893 SH   SOLE   18,116 0 10,777
ISHARES TR CORE 1 5 YR USD 46432F859   263,148 5,409 SH   SOLE   2,475 0 2,934
ISHARES TR MSCI USA MMENTM 46432F396   308,811 1,285 SH   SOLE   762 0 523
ISHARES TR ISHS 5-10YR INVT 464288638   134,877 2,531 SH   DFND 1,442,676 0 380 2,151
ISHARES TR ISHS 5-10YR INVT 464288638   127,097 2,385 SH   SOLE   1,157 0 1,228
ISHARES TR MBS ETF 464288588   381,945 4,068 SH   DFND 1,442,676 0 603 3,465
ISHARES TR MBS ETF 464288588   241,485 2,572 SH   SOLE   820 0 1,752
ISHARES TR 3 7 YR TREAS BD 464288661   368,107 3,091 SH   DFND 1,442,676 0 459 2,632
ISHARES TR 3 7 YR TREAS BD 464288661   219,840 1,846 SH   SOLE   627 0 1,219
ISHARES TR SHRT NAT MUN ETF 464288158   471,299 4,432 SH   SOLE   3,053 0 1,379
ISHARES TR MRGSTR MD CP GRW 464288307   303,751 3,786 SH   SOLE   3,786 0 0
ISHARES TR CORE S&P TTL STK 464287150   9,627,399 71,293 SH   SOLE   45,846 0 25,447
ISHARES TR ISHS 1-5YR INVS 464288646   291,341 5,522 SH   DFND 1,442,676 0 810 4,712
ISHARES TR ISHS 1-5YR INVS 464288646   182,655 3,462 SH   SOLE   1,091 0 2,371
ISHARES TR ESG MSCI KLD 400 464288570   705,556 6,074 SH   SOLE   2,756 0 3,318
ISHARES TR MRGSTR MD CP ETF 464288208   832,049 10,445 SH   SOLE   7,019 0 3,426
ISHARES TR CORE US AGGBD ET 464287226   1,426,298 14,378 SH   SOLE   10,619 0 3,759
JOHNSON & JOHNSON COM 478160104   42,006 275 SH   DFND 1,442,676 0 41 234
JOHNSON & JOHNSON COM 478160104   5,657,680 37,039 SH   SOLE   2,187 0 34,852
JPMORGAN CHASE & CO. COM 46625H100   44,356 153 SH   DFND 1,442,676 0 22 131
JPMORGAN CHASE & CO. COM 46625H100   967,689 3,338 SH   SOLE   882 0 2,456
MASTERCARD INCORPORATED CL A 57636Q104   35,964 64 SH   DFND 1,442,676 0 10 54
MASTERCARD INCORPORATED CL A 57636Q104   649,067 1,155 SH   SOLE   12 0 1,143
MCDONALDS CORP COM 580135101   1,061,855 3,634 SH   SOLE   3,560 0 74
META PLATFORMS INC CL A 30303M102   67,904 92 SH   DFND 1,348,883 92 0 0
META PLATFORMS INC CL A 30303M102   56,833 77 SH   DFND 1,442,676 0 12 65
META PLATFORMS INC CL A 30303M102   87,095 118 SH   SOLE   23 0 95
MICROSOFT CORP COM 594918104   49,244 99 SH   DFND 1,348,883 99 0 0
MICROSOFT CORP COM 594918104   39,793 80 SH   DFND 1,442,676 0 13 67
MICROSOFT CORP COM 594918104   4,182,038 8,408 SH   SOLE   5,132 0 3,276
MONDELEZ INTL INC CL A 609207105   20,232 300 SH   DFND 825,204 0 300 0
MONDELEZ INTL INC CL A 609207105   41,341 613 SH   DFND 1,442,676 0 94 519
MONDELEZ INTL INC CL A 609207105   336,899 4,996 SH   SOLE   4,637 0 359
NETFLIX INC COM 64110L106   45,530 34 SH   DFND 1,348,883 34 0 0
NETFLIX INC COM 64110L106   1,714,086 1,280 SH   SOLE   375 0 905
NORFOLK SOUTHN CORP COM 655844108   614,183 2,399 SH   SOLE   1,000 0 1,399
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   524,617 5,584 SH   SOLE   2,071 0 3,513
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   281,334 6,712 SH   SOLE   2,838 0 3,874
NVIDIA CORPORATION COM 67066G104   47,397 300 SH   DFND 825,204 0 300 0
NVIDIA CORPORATION COM 67066G104   87,526 554 SH   DFND 1,348,883 554 0 0
NVIDIA CORPORATION COM 67066G104   72,359 458 SH   DFND 1,442,676 0 72 386
NVIDIA CORPORATION COM 67066G104   4,754,528 30,094 SH   SOLE   24,886 0 5,208
ONEOK INC NEW COM 682680103   322,602 3,952 SH   SOLE   2,812 0 1,140
PHILIP MORRIS INTL INC COM 718172109   257,534 1,414 SH   SOLE   1,100 0 314
PLAINS ALL AMERN PIPELINE L UNIT LTD PARTN 726503105   377,803 20,622 SH   SOLE   19,250 0 1,372
PROCTER AND GAMBLE CO COM 742718109   34,732 218 SH   DFND 1,442,676 0 32 186
PROCTER AND GAMBLE CO COM 742718109   1,050,409 6,593 SH   SOLE   4,711 0 1,882
RTX CORPORATION COM 75513E101   12,120 83 SH   DFND 1,348,883 83 0 0
RTX CORPORATION COM 75513E101   449,158 3,076 SH   SOLE   2,456 0 620
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   2,496,341 102,393 SH   SOLE   71,492 0 30,901
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   1,167,024 46,625 SH   SOLE   27,038 0 19,587
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   405,631 18,354 SH   SOLE   1,446 0 16,908
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   776,752 31,782 SH   SOLE   0 0 31,782
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,132,150 44,749 SH   SOLE   27,894 0 16,855
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,007,837 35,930 SH   SOLE   14,478 0 21,452
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   302,180 3,732 SH   SOLE   0 0 3,732
SHOPIFY INC CL A SUB VTG SHS 82509L107   612,739 5,312 SH   SOLE   4,064 0 1,248
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   718,203 16,804 SH   SOLE   12,416 0 4,388
SPDR S&P 500 ETF TR TR UNIT 78462F103   287,918 466 SH   DFND 1,442,676 0 70 396
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,822,008 4,567 SH   SOLE   148 0 4,419
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409   2,408,026 25,263 SH   SOLE   16,091 0 9,172
SPDR SERIES TRUST PORTFLI INTRMDIT 78464A672   337,587 11,734 SH   SOLE   5,232 0 6,502
SPDR SERIES TRUST BLOOMBERG 1-3 MO 78468R663   324,174 3,534 SH   DFND 1,442,676 0 529 3,005
SPDR SERIES TRUST BLOOMBERG 1-3 MO 78468R663   218,684 2,384 SH   SOLE   823 0 1,561
SPDR SERIES TRUST NUVEEN ICE HIGH 78464A284   727,937 29,376 SH   SOLE   18,468 0 10,908
SPDR SERIES TRUST PORTFLI HIGH YLD 78468R606   1,570,943 66,006 SH   SOLE   43,105 0 22,901
STARBUCKS CORP COM 855244109   18,326 200 SH   DFND 825,204 0 200 0
STARBUCKS CORP COM 855244109   5,589 61 SH   DFND 1,348,883 61 0 0
STARBUCKS CORP COM 855244109   412,514 4,502 SH   SOLE   2,362 0 2,140
TESLA INC COM 88160R101   13,342 42 SH   DFND 1,348,883 42 0 0
TESLA INC COM 88160R101   325,602 1,025 SH   SOLE   0 0 1,025
TRUIST FINL CORP COM 89832Q109   395,030 9,189 SH   SOLE   2,886 0 6,303
UNION PAC CORP COM 907818108   10,124 44 SH   DFND 1,348,883 44 0 0
UNION PAC CORP COM 907818108   364,447 1,584 SH   SOLE   740 0 844
UNITEDHEALTH GROUP INC COM 91324P102   10,919 35 SH   DFND 1,348,883 35 0 0
UNITEDHEALTH GROUP INC COM 91324P102   13,727 44 SH   DFND 1,442,676 0 7 37
UNITEDHEALTH GROUP INC COM 91324P102   877,657 2,813 SH   SOLE   1,908 0 905
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   336,519 6,797 SH   SOLE   4,636 0 2,161
VANGUARD INDEX FDS SMALL CP ETF 922908751   484,387 2,044 SH   SOLE   1,224 0 820
VANGUARD INDEX FDS VALUE ETF 922908744   839,338 4,749 SH   SOLE   2,933 0 1,816
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,793,282 35,673 SH   SOLE   23,810 0 11,863
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   2,870,510 58,546 SH   SOLE   35,382 0 23,164
VERIZON COMMUNICATIONS INC COM 92343V104   8,654 200 SH   DFND 825,204 0 200 0
VERIZON COMMUNICATIONS INC COM 92343V104   744,330 17,202 SH   SOLE   13,788 0 3,414
VISA INC COM CL A 92826C839   47,577 134 SH   DFND 1,348,883 134 0 0
VISA INC COM CL A 92826C839   766,819 2,160 SH   SOLE   629 0 1,531