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
ABBOTT LABS COM 002824100   598,264 5,449 SH   SOLE   0 0 5,449
ABBVIE INC COM 00287Y109   1,457,171 9,017 SH   SOLE   0 0 9,017
ABBVIE INC COM 00287Y109   8,404 52 SH   DFND   0 0 52
AES CORP COM 00130H105   327,784 11,397 SH   SOLE   0 0 11,397
AIR PRODS & CHEMS INC COM 009158106   934,953 3,033 SH   SOLE   0 0 3,033
AIR PRODS & CHEMS INC COM 009158106   9,248 30 SH   DFND   0 0 30
ALBEMARLE CORP COM 012653101   465,678 2,147 SH   SOLE   0 0 2,147
ALPHABET INC CAP STK CL A 02079K305   1,174,165 13,308 SH   SOLE   0 0 13,308
ALTRIA GROUP INC COM 02209S103   292,270 6,394 SH   SOLE   0 0 6,394
AMAZON COM INC COM 023135106   660,408 7,862 SH   SOLE   0 0 7,862
AMAZON COM INC COM 023135106   11,760 140 SH   DFND   0 0 140
AMGEN INC COM 031162100   216,153 823 SH   SOLE   0 0 823
APPLE INC COM 037833100   55,220 425 SH   DFND   0 0 425
APPLE INC COM 037833100   3,981,836 30,646 SH   SOLE   0 0 30,646
APTIV PLC SHS G6095L109   222,488 2,389 SH   SOLE   0 0 2,389
BADGER METER INC COM 056525108   374,829 3,438 SH   SOLE   0 0 3,438
BERKSHIRE HATHAWAY INC DEL CL A 084670108   468,711 1 SH   SOLE   0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   747,847 2,421 SH   SOLE   0 0 2,421
BLACKROCK INC COM 09247X101   1,153,091 1,627 SH   SOLE   0 0 1,627
BLACKROCK INC COM 09247X101   11,338 16 SH   DFND   0 0 16
BOEING CO COM 097023105   177,727 933 SH   SOLE   0 0 933
BOEING CO COM 097023105   38,098 200 SH   DFND   0 0 200
BRISTOL-MYERS SQUIBB CO COM 110122108   793,033 11,022 SH   SOLE   0 0 11,022
BRISTOL-MYERS SQUIBB CO COM 110122108   9,138 127 SH   DFND   0 0 127
BROADCOM INC COM 11135F101   1,447,235 2,588 SH   SOLE   0 0 2,588
BROADCOM INC COM 11135F101   6,150 11 SH   DFND   0 0 11
CF INDS HLDGS INC COM 125269100   342,028 4,014 SH   SOLE   0 0 4,014
CHEVRON CORP NEW COM 166764100   415,909 2,317 SH   SOLE   0 0 2,317
CISCO SYS INC COM 17275R102   853,872 17,923 SH   SOLE   0 0 17,923
CISCO SYS INC COM 17275R102   5,717 120 SH   DFND   0 0 120
COMCAST CORP NEW CL A 20030N101   8,393 240 SH   DFND   0 0 240
COMCAST CORP NEW CL A 20030N101   382,432 10,936 SH   SOLE   0 0 10,936
CORNING INC COM 219350105   497,721 15,583 SH   SOLE   0 0 15,583
CORNING INC COM 219350105   3,481 109 SH   DFND   0 0 109
COSTCO WHSL CORP NEW COM 22160K105   4,108 9 SH   DFND   0 0 9
COSTCO WHSL CORP NEW COM 22160K105   892,914 1,956 SH   SOLE   0 0 1,956
CUMMINS INC COM 231021106   15,749 65 SH   DFND   0 0 65
CUMMINS INC COM 231021106   1,221,770 5,043 SH   SOLE   0 0 5,043
DANAHER CORPORATION COM 235851102   365,498 1,377 SH   SOLE   0 0 1,377
DEERE & CO COM 244199105   514,512 1,200 SH   SOLE   0 0 1,200
DISCOVER FINL SVCS COM 254709108   905,123 9,252 SH   SOLE   0 0 9,252
DISCOVER FINL SVCS COM 254709108   4,500 46 SH   DFND   0 0 46
DISNEY WALT CO COM 254687106   513,982 5,916 SH   SOLE   0 0 5,916
EATON CORP PLC SHS G29183103   1,308,492 8,337 SH   SOLE   0 0 8,337
EATON CORP PLC SHS G29183103   10,516 67 SH   DFND   0 0 67
ENBRIDGE INC COM 29250N105   746,536 19,093 SH   SOLE   0 0 19,093
ENBRIDGE INC COM 29250N105   12,512 320 SH   DFND   0 0 320
EOG RES INC COM 26875P101   8,289 64 SH   DFND   0 0 64
EOG RES INC COM 26875P101   813,035 6,277 SH   SOLE   0 0 6,277
FIRST TR EXCHANGE TRADED FD NASDAQ CYB ETF 33734X846   263,926 6,818 SH   SOLE   0 0 6,818
FISERV INC COM 337738108   374,565 3,706 SH   SOLE   0 0 3,706
GLOBAL X FDS S&P 500 COVERED 37954Y475   3,071,493 78,016 SH   SOLE   0 0 78,016
GLOBAL X FDS S&P 500 COVERED 37954Y475   25,866 657 SH   DFND   0 0 657
HOME DEPOT INC COM 437076102   11,055 35 SH   DFND   0 0 35
HOME DEPOT INC COM 437076102   951,653 3,013 SH   SOLE   0 0 3,013
HONEYWELL INTL INC COM 438516106   2,357 11 SH   DFND   0 0 11
HONEYWELL INTL INC COM 438516106   541,536 2,527 SH   SOLE   0 0 2,527
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   531,481 25,888 SH   SOLE   0 0 25,888
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   7,311 363 SH   DFND   0 0 363
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   3,629,875 177,196 SH   SOLE   0 0 177,196
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   1,367,558 67,903 SH   SOLE   0 0 67,903
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   24,766 1,209 SH   DFND   0 0 1,209
ISHARES INC MSCI BRAZIL ETF 464286400   1,692,034 60,495 SH   SOLE   0 0 60,495
ISHARES INC MSCI BRAZIL ETF 464286400   11,803 422 SH   DFND   0 0 422
ISHARES TR CRE U S REIT ETF 464288521   314,205 6,354 SH   SOLE   0 0 6,354
ISHARES TR IBONDS 23 TRM TS 46436E882   14,524 588 SH   DFND   0 0 588
ISHARES TR IBONDS 23 TRM TS 46436E882   2,184,355 88,435 SH   SOLE   0 0 88,435
ISHARES TR CORE S&P MCP ETF 464287507   7,280,647 30,099 SH   SOLE   0 0 30,099
ISHARES TR CORE S&P MCP ETF 464287507   26,608 110 SH   DFND   0 0 110
JOHNSON & JOHNSON COM 478160104   1,964,446 11,121 SH   SOLE   0 0 11,121
JOHNSON & JOHNSON COM 478160104   10,952 62 SH   DFND   0 0 62
JPMORGAN CHASE & CO COM 46625H100   2,260,737 16,859 SH   SOLE   0 0 16,859
JPMORGAN CHASE & CO COM 46625H100   7,107 53 SH   DFND   0 0 53
KLA CORP COM NEW 482480100   1,088,974 2,888 SH   SOLE   0 0 2,888
KLA CORP COM NEW 482480100   3,770 10 SH   DFND   0 0 10
LKQ CORP COM 501889208   289,043 5,412 SH   SOLE   0 0 5,412
LOCKHEED MARTIN CORP COM 539830109   266,597 548 SH   SOLE   0 0 548
LOWES COS INC COM 548661107   234,505 1,177 SH   SOLE   0 0 1,177
MASTERCARD INCORPORATED CL A 57636Q104   825,890 2,375 SH   SOLE   0 0 2,375
MCDONALDS CORP COM 580135101   936,322 3,553 SH   SOLE   0 0 3,553
MCDONALDS CORP COM 580135101   8,433 32 SH   DFND   0 0 32
MEDTRONIC PLC SHS G5960L103   757,592 9,748 SH   SOLE   0 0 9,748
MEDTRONIC PLC SHS G5960L103   9,948 128 SH   DFND   0 0 128
METLIFE INC COM 59156R108   1,150,619 15,899 SH   SOLE   0 0 15,899
METLIFE INC COM 59156R108   4,270 59 SH   DFND   0 0 59
MICROSOFT CORP COM 594918104   2,611,021 10,887 SH   SOLE   0 0 10,887
MICROSOFT CORP COM 594918104   7,195 30 SH   DFND   0 0 30
MONDELEZ INTL INC CL A 609207105   471,866 7,080 SH   SOLE   0 0 7,080
MORGAN STANLEY COM NEW 617446448   1,210,706 14,240 SH   SOLE   0 0 14,240
MORGAN STANLEY COM NEW 617446448   8,502 100 SH   DFND   0 0 100
NORFOLK SOUTHN CORP COM 655844108   810,328 3,288 SH   SOLE   0 0 3,288
NVIDIA CORPORATION COM 67066G104   913,236 6,249 SH   SOLE   0 0 6,249
PACKAGING CORP AMER COM 695156109   3,198 25 SH   DFND   0 0 25
PACKAGING CORP AMER COM 695156109   556,025 4,347 SH   SOLE   0 0 4,347
PAYPAL HLDGS INC COM 70450Y103   428,887 6,022 SH   SOLE   0 0 6,022
PEPSICO INC COM 713448108   18,066 100 SH   DFND   0 0 100
PEPSICO INC COM 713448108   984,055 5,447 SH   SOLE   0 0 5,447
PFIZER INC COM 717081103   1,222,800 23,864 SH   SOLE   0 0 23,864
PFIZER INC COM 717081103   12,246 239 SH   DFND   0 0 239
PROCTER AND GAMBLE CO COM 742718109   15,156 100 SH   DFND   0 0 100
PROCTER AND GAMBLE CO COM 742718109   916,938 6,050 SH   SOLE   0 0 6,050
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   745,595 12,169 SH   SOLE   0 0 12,169
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   13,051 213 SH   DFND   0 0 213
PULTE GROUP INC COM 745867101   270,826 5,948 SH   SOLE   0 0 5,948
QUALCOMM INC COM 747525103   720,987 6,558 SH   SOLE   0 0 6,558
QUALCOMM INC COM 747525103   10,994 100 SH   DFND   0 0 100
QUANTA SVCS INC COM 74762E102   295,688 2,075 SH   SOLE   0 0 2,075
REGENERON PHARMACEUTICALS COM 75886F107   331,885 460 SH   SOLE   0 0 460
ROPER TECHNOLOGIES INC COM 776696106   289,518 670 SH   SOLE   0 0 670
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   269,871 3,620 SH   SOLE   0 0 3,620
SELECT SECTOR SPDR TR ENERGY 81369Y506   365,673 4,181 SH   SOLE   0 0 4,181
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   564,049 4,152 SH   SOLE   0 0 4,152
SHOPIFY INC CL A 82509L107   278,617 8,027 SH   SOLE   0 0 8,027
SOFI TECHNOLOGIES INC COM 83406F102   183,704 39,849 SH   SOLE   0 0 39,849
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   542,228 18,263 SH   SOLE   0 0 18,263
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   335,335 10,174 SH   SOLE   0 0 10,174
SPDR S&P 500 ETF TR TR UNIT 78462F103   666,575 1,743 SH   SOLE   0 0 1,743
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   269,216 608 SH   SOLE   0 0 608
SPDR SER TR PRTFLO S&P500 VL 78464A508   1,284,109 33,019 SH   SOLE   0 0 33,019
SPDR SER TR PORTFOLIO S&P600 78468R853   675,405 18,269 SH   SOLE   0 0 18,269
SPDR SER TR PORTFOLIO AGRGTE 78464A649   555,172 22,092 SH   SOLE   0 0 22,092
SPDR SER TR PORTFOLIO S&P500 78464A854   2,504,396 55,678 SH   SOLE   0 0 55,678
SPDR SER TR PORTFOLIO S&P400 78464A847   546,380 12,856 SH   SOLE   0 0 12,856
SPDR SER TR PORTFOLIO INTRMD 78464A375   908,142 28,531 SH   SOLE   0 0 28,531
SPDR SER TR PRTFLO S&P500 GW 78464A409   614,374 12,125 SH   SOLE   0 0 12,125
STARBUCKS CORP COM 855244109   1,201,907 12,116 SH   SOLE   0 0 12,116
STARBUCKS CORP COM 855244109   14,186 143 SH   DFND   0 0 143
STRYKER CORPORATION COM 863667101   364,087 1,489 SH   SOLE   0 0 1,489
TESLA INC COM 88160R101   266,069 2,160 SH   SOLE   0 0 2,160
THERMO FISHER SCIENTIFIC INC COM 883556102   265,433 482 SH   SOLE   0 0 482
TYSON FOODS INC CL A 902494103   676,628 10,870 SH   SOLE   0 0 10,870
TYSON FOODS INC CL A 902494103   7,781 125 SH   DFND   0 0 125
UNILEVER PLC SPON ADR NEW 904767704   5,035 100 SH   DFND   0 0 100
UNILEVER PLC SPON ADR NEW 904767704   707,921 14,060 SH   SOLE   0 0 14,060
UNITED PARCEL SERVICE INC CL B 911312106   5,215 30 SH   DFND   0 0 30
UNITED PARCEL SERVICE INC CL B 911312106   533,515 3,069 SH   SOLE   0 0 3,069
VALERO ENERGY CORP COM 91913Y100   12,686 100 SH   DFND   0 0 100
VALERO ENERGY CORP COM 91913Y100   1,271,772 10,025 SH   SOLE   0 0 10,025
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   486,606 1,385 SH   SOLE   0 0 1,385
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   295,728 3,585 SH   SOLE   0 0 3,585
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   2,477,206 44,683 SH   SOLE   0 0 44,683
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   11,642 210 SH   DFND   0 0 210
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   513,253 3,380 SH   SOLE   0 0 3,380
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   23,385 154 SH   DFND   0 0 154
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,128,920 10,433 SH   SOLE   0 0 10,433
VANGUARD WORLD FDS UTILITIES ETF 92204A876   519,277 3,386 SH   SOLE   0 0 3,386
VANGUARD WORLD FDS ENERGY ETF 92204A306   297,864 2,456 SH   SOLE   0 0 2,456
VANGUARD WORLD FDS UTILITIES ETF 92204A876   5,214 34 SH   DFND   0 0 34
VERIZON COMMUNICATIONS INC COM 92343V104   523,311 13,282 SH   SOLE   0 0 13,282
VERIZON COMMUNICATIONS INC COM 92343V104   7,880 200 SH   DFND   0 0 200
WALMART INC COM 931142103   470,811 3,320 SH   SOLE   0 0 3,320
ZOETIS INC CL A 98978V103   216,475 1,477 SH   SOLE   0 0 1,477