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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 136,076 842 SH   DFND   0 0 842
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 83,229 515 SH   SOLE   0 0 515
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 286,483 3,247 SH   DFND   0 0 3,247
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 266,190 3,000 SH   DFND   0 0 3,000
AMAZON COM INC COM 023135106 BBG001S5PQL7 301,140 3,585 SH   DFND   0 0 3,585
AMERICAN ELEC PWR CO INC COM 025537101 BBG001S5NFD2 355,398 3,743 SH   DFND   0 0 3,743
APPLE INC COM 037833100 BBG001S5N8V8 882,095 6,789 SH   DFND   0 0 6,789
ARES CAPITAL CORP COM 04010L103 BBG001SL96Z9 189,890 10,281 SH   DFND   0 0 10,281
BECTON DICKINSON & CO COM 075887109 BBG001S5P374 207,509 816 SH   DFND   0 0 816
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 313,210 1,745 SH   DFND   0 0 1,745
CINCINNATI FINL CORP COM 172062101 BBG001S5PTM0 209,900 2,050 SH   DFND   0 0 2,050
CISCO SYS INC COM 17275R102 BBG001S6HC62 306,563 6,435 SH   DFND   0 0 6,435
COCA COLA CO COM 191216100 BBG001S5SMQ8 471,732 7,416 SH   DFND   0 0 7,416
DANAHER CORPORATION COM 235851102 BBG001S5QGT0 275,506 1,038 SH   DFND   0 0 1,038
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 281,284 11,585 SH   SOLE   0 0 11,585
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 67,328 2,773 SH   DFND   0 0 2,773
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 BBG0177CTQC7 186,952 5,584 SH   SOLE   0 0 5,584
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 BBG0177CTQC7 41,381 1,236 SH   DFND   0 0 1,236
DUKE ENERGY CORP NEW COM NEW 26441C204 BBG001S5QNR7 233,684 2,269 SH   DFND   0 0 2,269
EMERSON ELEC CO COM 291011104 BBG001S5QVT7 225,741 2,350 SH   DFND   0 0 2,350
EMERSON ELEC CO COM 291011104 BBG001S5QVT7 27,953 291 SH   SOLE   0 0 291
EOG RES INC COM 26875P101 BBG001S5ZB93 222,256 1,716 SH   DFND   0 0 1,716
EVERSOURCE ENERGY COM 30040W108 BBG001S5TRL1 228,883 2,730 SH   DFND   0 0 2,730
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 230,527 2,090 SH   DFND   0 0 2,090
FRANKLIN TEMPLETON ETF TR US CORE BOND ETF 35473P553 BBG00Q6LNJQ4 700,261 33,078 SH   DFND   0 0 33,078
FRANKLIN TEMPLETON ETF TR US LRG CP MLTFCT 35473P801 BBG00GKQZFP5 250,133 6,374 SH   DFND   0 0 6,374
GALLAGHER ARTHUR J & CO COM 363576109 BBG001S5NKC2 307,320 1,630 SH   DFND   0 0 1,630
GILEAD SCIENCES INC COM 375558103 BBG001S6Y1X7 203,293 2,368 SH   DFND   0 0 2,368
HARTFORD FINL SVCS GROUP INC COM 416515104 BBG001S8PXF3 304,078 4,010 SH   DFND   0 0 4,010
HCA HEALTHCARE INC COM 40412C101 BBG001T8NTY2 215,964 900 SH   DFND   0 0 900
HOME DEPOT INC COM 437076102 BBG001S5RTW7 358,185 1,134 SH   DFND   0 0 1,134
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 1,362,721 14,399 SH   DFND   0 0 14,399
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 732,357 1,906 SH   DFND   0 0 1,906
ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 141,259 1,171 SH   SOLE   0 0 1,171
ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 362,644 3,007 SH   DFND   0 0 3,007
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 309,056 2,964 SH   DFND   0 0 2,964
J P MORGAN EXCHANGE TRADED F INTRNL RES EQT 46641Q134 BBG016CBQVP3 891,802 17,815 SH   DFND   0 0 17,815
J P MORGAN EXCHANGE TRADED F INTRNL RES EQT 46641Q134 BBG016CBQVP3 14,025 280 SH   SOLE   0 0 280
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 447,984 2,536 SH   DFND   0 0 2,536
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 26,095 148 SH   SOLE   0 0 148
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 436,361 3,254 SH   DFND   0 0 3,254
KEYCORP COM 493267108 BBG001S5SKV6 286,559 16,450 SH   DFND   0 0 16,450
LILLY ELI & CO COM 532457108 BBG001S5STL8 37,049 101 SH   SOLE   0 0 101
LILLY ELI & CO COM 532457108 BBG001S5STL8 233,772 639 SH   DFND   0 0 639
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 17,057 35 SH   SOLE   0 0 35
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 320,110 658 SH   DFND   0 0 658
MASIMO CORP COM 574795100 BBG001S71GQ6 2,130,480 14,400 SH   SOLE   0 0 14,400
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 283,400 815 SH   DFND   0 0 815
MCDONALDS CORP COM 580135101 BBG001S5T110 274,598 1,042 SH   DFND   0 0 1,042
MERCK & CO INC COM 58933Y105 BBG001S5TC52 435,479 3,925 SH   DFND   0 0 3,925
METLIFE INC COM 59156R108 BBG001S5T3R8 290,348 4,012 SH   DFND   0 0 4,012
MICROSOFT CORP COM 594918104 BBG001S5TD05 787,809 3,285 SH   DFND   0 0 3,285
MICROSOFT CORP COM 594918104 BBG001S5TD05 65,950 275 SH   SOLE   0 0 275
MID-AMER APT CMNTYS INC COM 59522J103 BBG001S7HZ69 402,836 2,566 SH   DFND   0 0 2,566
NATIONAL RETAIL PROPERTIES I COM 637417106 BBG001S6Z1P5 235,664 5,150 SH   DFND   0 0 5,150
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 200,807 2,402 SH   DFND   0 0 2,402
NORTHROP GRUMMAN CORP COM 666807102 BBG001S5TP26 211,151 387 SH   DFND   0 0 387
NORTHROP GRUMMAN CORP COM 666807102 BBG001S5TP26 631,816 1,158 SH   SOLE   0 0 1,158
NUSHARES ETF TR ESG HI TLD CRP 67092P854 BBG00QD6KLQ7 477,407 23,564 SH   DFND   0 0 23,564
NUSHARES ETF TR ESG HI TLD CRP 67092P854 BBG00QD6KLQ7 3,566 176 SH   SOLE   0 0 176
NUSHARES ETF TR NUVEEN ESG EMRGN 67092P888 BBG00GVX41Y3 322,554 12,679 SH   DFND   0 0 12,679
NUSHARES ETF TR NUVEEN ESG INTL 67092P805 BBG00GVWYK25 866,493 33,585 SH   DFND   0 0 33,585
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 BBG00FJ5GY57 941,426 19,256 SH   DFND   0 0 19,256
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 BBG00FJ5GY57 5,720 117 SH   SOLE   0 0 117
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 BBG00FJ5HBJ1 6,951 203 SH   SOLE   0 0 203
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 BBG00FJ5HBJ1 1,065,001 31,104 SH   DFND   0 0 31,104
NUSHARES ETF TR NUVEEN ESG US 67092P870 BBG00HTVKZ20 1,327,212 60,966 SH   DFND   0 0 60,966
NUSHARES ETF TR NUVEEN ESG US 67092P870 BBG00HTVKZ20 9,992 459 SH   SOLE   0 0 459
PAYCHEX INC COM 704326107 BBG001S5V135 247,298 2,140 SH   DFND   0 0 2,140
PEPSICO INC COM 713448108 BBG001S695T1 237,387 1,314 SH   DFND   0 0 1,314
PFIZER INC COM 717081103 BBG001S5V466 282,435 5,512 SH   DFND   0 0 5,512
PHILIP MORRIS INTL INC COM 718172109 BBG001STP9N1 295,634 2,921 SH   DFND   0 0 2,921
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 294,098 1,940 SH   SOLE   0 0 1,940
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 430,582 2,841 SH   DFND   0 0 2,841
PROLOGIS INC. COM 74340W103 BBG001S5NMN6 461,629 4,095 SH   DFND   0 0 4,095
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 15,863 210 SH   DFND   0 0 210
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 222,470 2,945 SH   SOLE   0 0 2,945
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 2,666,684 6,973 SH   DFND   0 0 6,973
STARBUCKS CORP COM 855244109 BBG001S72KH6 228,160 2,300 SH   DFND   0 0 2,300
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 222,479 404 SH   DFND   0 0 404
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 508,973 960 SH   DFND   0 0 960
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 885,830 11,767 SH   DFND   0 0 11,767
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 15,508 206 SH   SOLE   0 0 206
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 15,015 209 SH   SOLE   0 0 209
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 578,168 8,048 SH   DFND   0 0 8,048
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 32,675 93 SH   SOLE   0 0 93
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 245,368 698 SH   DFND   0 0 698
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 609,271 12,311 SH   DFND   0 0 12,311
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 6,337 151 SH   SOLE   0 0 151
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 319,114 7,603 SH   DFND   0 0 7,603
VISA INC COM CL A 92826C839 BBG001SRCFY3 271,127 1,305 SH   DFND   0 0 1,305
WALMART INC COM 931142103 BBG001S5XH92 211,692 1,493 SH   DFND   0 0 1,493