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
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 346,562 3,341 SH   DFND   0 0 3,341
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 312,000 3,000 SH   DFND   0 0 3,000
AMAZON COM INC COM 023135106 BBG001S5PQL7 373,394 3,615 SH   DFND   0 0 3,615
AMERICAN ELEC PWR CO INC COM 025537101 BBG001S5NFD2 340,849 3,746 SH   DFND   0 0 3,746
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108 BBG001T53FW2 213,536 3,200 SH   DFND   0 0 3,200
APPLE INC COM 037833100 BBG001S5N8V8 1,119,177 6,787 SH   DFND   0 0 6,787
ARES CAPITAL CORP COM 04010L103 BBG001SL96Z9 187,886 10,281 SH   DFND   0 0 10,281
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 275,088 1,686 SH   DFND   0 0 1,686
CINCINNATI FINL CORP COM 172062101 BBG001S5PTM0 229,764 2,050 SH   DFND   0 0 2,050
CISCO SYS INC COM 17275R102 BBG001S6HC62 337,958 6,465 SH   DFND   0 0 6,465
COCA COLA CO COM 191216100 BBG001S5SMQ8 462,186 7,451 SH   DFND   0 0 7,451
COMCAST CORP NEW CL A 20030N101 BBG001S5PXL2 242,473 6,396 SH   DFND   0 0 6,396
DANAHER CORPORATION COM 235851102 BBG001S5QGT0 257,081 1,020 SH   DFND   0 0 1,020
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 295,186 11,585 SH   SOLE   0 0 11,585
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 70,657 2,773 SH   DFND   0 0 2,773
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 BBG0177CTQC7 41,382 1,236 SH   DFND   0 0 1,236
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 BBG0177CTQC7 186,953 5,584 SH   SOLE   0 0 5,584
DISNEY WALT CO COM 254687106 BBG001S5QHF3 213,578 2,133 SH   DFND   0 0 2,133
DUKE ENERGY CORP NEW COM NEW 26441C204 BBG001S5QNR7 218,891 2,269 SH   DFND   0 0 2,269
EMERSON ELEC CO COM 291011104 BBG001S5QVT7 211,402 2,426 SH   DFND   0 0 2,426
EMERSON ELEC CO COM 291011104 BBG001S5QVT7 16,819 193 SH   SOLE   0 0 193
EOG RES INC COM 26875P101 BBG001S5ZB93 203,927 1,779 SH   DFND   0 0 1,779
EVERSOURCE ENERGY COM 30040W108 BBG001S5TRL1 213,416 2,727 SH   DFND   0 0 2,727
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 262,088 2,390 SH   DFND   0 0 2,390
FRANKLIN TEMPLETON ETF TR US CORE BOND ETF 35473P553 BBG00Q6LNJQ4 707,228 32,534 SH   DFND   0 0 32,534
FRANKLIN TEMPLETON ETF TR US LRG CP MLTFCT 35473P801 BBG00GKQZFP5 231,397 5,592 SH   DFND   0 0 5,592
GALLAGHER ARTHUR J & CO COM 363576109 BBG001S5NKC2 311,836 1,630 SH   DFND   0 0 1,630
HARTFORD FINL SVCS GROUP INC COM 416515104 BBG001S8PXF3 278,760 4,000 SH   DFND   0 0 4,000
HCA HEALTHCARE INC COM 40412C101 BBG001T8NTY2 237,312 900 SH   DFND   0 0 900
HOME DEPOT INC COM 437076102 BBG001S5RTW7 333,486 1,130 SH   DFND   0 0 1,130
ISHARES TR 7-10 YR TRSY BD 464287440 BBG001S80936 298,352 3,010 SH   DFND   0 0 3,010
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 1,347,998 13,940 SH   DFND   0 0 13,940
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 784,417 1,908 SH   DFND   0 0 1,908
ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 352,361 3,007 SH   DFND   0 0 3,007
ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 138,467 1,182 SH   SOLE   0 0 1,182
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 312,994 2,990 SH   DFND   0 0 2,990
J P MORGAN EXCHANGE TRADED F INTRNL RES EQT 46641Q134 BBG016CBQVP3 15,429 280 SH   SOLE   0 0 280
J P MORGAN EXCHANGE TRADED F INTRNL RES EQT 46641Q134 BBG016CBQVP3 962,000 17,469 SH   DFND   0 0 17,469
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 23,066 149 SH   SOLE   0 0 149
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 374,635 2,417 SH   DFND   0 0 2,417
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 429,502 3,296 SH   DFND   0 0 3,296
LILLY ELI & CO COM 532457108 BBG001S5STL8 207,426 604 SH   DFND   0 0 604
LILLY ELI & CO COM 532457108 BBG001S5STL8 34,906 102 SH   SOLE   0 0 102
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 310,584 657 SH   DFND   0 0 657
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 16,680 35 SH   SOLE   0 0 35
MARATHON PETE CORP COM 56585A102 BBG001S169P1 207,639 1,540 SH   DFND   0 0 1,540
MASIMO CORP COM 574795100 BBG001S71GQ6 2,657,376 14,400 SH   SOLE   0 0 14,400
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 296,180 815 SH   DFND   0 0 815
MCDONALDS CORP COM 580135101 BBG001S5T110 286,321 1,024 SH   DFND   0 0 1,024
MERCK & CO INC COM 58933Y105 BBG001S5TC52 399,176 3,752 SH   DFND   0 0 3,752
METLIFE INC COM 59156R108 BBG001S5T3R8 233,499 4,030 SH   DFND   0 0 4,030
MICROSOFT CORP COM 594918104 BBG001S5TD05 960,039 3,330 SH   DFND   0 0 3,330
MICROSOFT CORP COM 594918104 BBG001S5TD05 79,283 275 SH   SOLE   0 0 275
MID-AMER APT CMNTYS INC COM 59522J103 BBG001S7HZ69 383,038 2,536 SH   DFND   0 0 2,536
NATIONAL RETAIL PROPERTIES I COM 637417106 BBG001S6Z1P5 227,373 5,150 SH   DFND   0 0 5,150
NORTHROP GRUMMAN CORP COM 666807102 BBG001S5TP26 534,672 1,158 SH   SOLE   0 0 1,158
NORTHROP GRUMMAN CORP COM 666807102 BBG001S5TP26 178,224 386 SH   DFND   0 0 386
NUSHARES ETF TR ESG HI TLD CRP 67092P854 BBG00QD6KLQ7 478,433 23,054 SH   DFND   0 0 23,054
NUSHARES ETF TR NUVEEN ESG EMRGN 67092P888 BBG00GVX41Y3 335,231 12,476 SH   DFND   0 0 12,476
NUSHARES ETF TR NUVEEN ESG INTL 67092P805 BBG00GVWYK25 904,705 32,173 SH   DFND   0 0 32,173
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 BBG00FJ5GY57 6,522 117 SH   SOLE   0 0 117
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 BBG00FJ5GY57 1,067,644 19,154 SH   DFND   0 0 19,154
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 BBG00FJ5HBJ1 1,086,902 31,902 SH   DFND   0 0 31,902
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 BBG00FJ5HBJ1 6,917 203 SH   SOLE   0 0 203
NUSHARES ETF TR NUVEEN ESG US 67092P870 BBG00HTVKZ20 10,259 459 SH   SOLE   0 0 459
NUSHARES ETF TR NUVEEN ESG US 67092P870 BBG00HTVKZ20 1,328,499 59,442 SH   DFND   0 0 59,442
PAYCHEX INC COM 704326107 BBG001S5V135 245,223 2,140 SH   DFND   0 0 2,140
PEPSICO INC COM 713448108 BBG001S695T1 231,339 1,269 SH   DFND   0 0 1,269
PHILIP MORRIS INTL INC COM 718172109 BBG001STP9N1 293,598 3,019 SH   DFND   0 0 3,019
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 290,413 1,953 SH   SOLE   0 0 1,953
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 419,604 2,822 SH   DFND   0 0 2,822
PROLOGIS INC. COM 74340W103 BBG001S5NMN6 514,552 4,124 SH   DFND   0 0 4,124
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 15,364 210 SH   DFND   0 0 210
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 231,178 3,160 SH   SOLE   0 0 3,160
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 288,791 8,991 SH   DFND   0 0 8,991
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 3,025,393 7,390 SH   DFND   0 0 7,390
SPDR SER TR PORTFLI INTRMDIT 78464A672 BBG001STKCX8 206,024 7,119 SH   DFND   0 0 7,119
SSGA ACTIVE TR SPDR SSGA US SCT 78470P408 BBG00NS9VV15 260,213 6,481 SH   DFND   0 0 6,481
STARBUCKS CORP COM 855244109 BBG001S72KH6 239,499 2,300 SH   DFND   0 0 2,300
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 228,819 397 SH   DFND   0 0 397
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 441,400 934 SH   DFND   0 0 934
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 980,056 12,813 SH   DFND   0 0 12,813
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 15,757 206 SH   SOLE   0 0 206
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 594,480 8,052 SH   DFND   0 0 8,052
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 15,431 209 SH   SOLE   0 0 209
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 34,975 93 SH   SOLE   0 0 93
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 234,358 623 SH   DFND   0 0 623
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 627,475 12,386 SH   DFND   0 0 12,386
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 6,821 151 SH   SOLE   0 0 151
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 325,877 7,214 SH   DFND   0 0 7,214
VISA INC COM CL A 92826C839 BBG001SRCFY3 294,226 1,305 SH   DFND   0 0 1,305
WALMART INC COM 931142103 BBG001S5XH92 259,365 1,759 SH   DFND   0 0 1,759