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   18,531 183 SH   DFND   0 0 183
ABBOTT LABS COM 002824100   485,071 4,790 SH   SOLE   0 0 4,790
ABBVIE INC COM 00287Y109   1,352,311 8,485 SH   SOLE   0 0 8,485
ABBVIE INC COM 00287Y109   117,456 737 SH   DFND   0 0 737
AES CORP COM 00130H105   285,655 11,863 SH   SOLE   0 0 11,863
AIR PRODS & CHEMS INC COM 009158106   869,385 3,027 SH   SOLE   0 0 3,027
AIR PRODS & CHEMS INC COM 009158106   13,212 46 SH   DFND   0 0 46
ALBEMARLE CORP COM 012653101   475,762 2,152 SH   SOLE   0 0 2,152
ALPHABET INC CAP STK CL A 02079K305   1,443,403 13,915 SH   SOLE   0 0 13,915
ALTRIA GROUP INC COM 02209S103   285,301 6,394 SH   SOLE   0 0 6,394
AMAZON COM INC COM 023135106   14,461 140 SH   DFND   0 0 140
AMAZON COM INC COM 023135106   846,978 8,200 SH   SOLE   0 0 8,200
APPLE INC COM 037833100   127,468 773 SH   DFND   0 0 773
APPLE INC COM 037833100   4,957,015 30,061 SH   SOLE   0 0 30,061
APTIV PLC SHS G6095L109   276,549 2,465 SH   SOLE   0 0 2,465
ARISTA NETWORKS INC COM 040413106   211,504 1,260 SH   SOLE   0 0 1,260
BADGER METER INC COM 056525108   420,311 3,450 SH   SOLE   0 0 3,450
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   747,533 2,421 SH   SOLE   0 0 2,421
BERKSHIRE HATHAWAY INC DEL CL A 084670108   465,600 1 SH   SOLE   0 0 1
BLACKROCK INC COM 09247X101   10,706 16 SH   DFND   0 0 16
BLACKROCK INC COM 09247X101   1,115,581 1,667 SH   SOLE   0 0 1,667
BLACKSTONE INC COM 09260D107   239,640 2,728 SH   SOLE   0 0 2,728
BLACKSTONE INC COM 09260D107   37,596 428 SH   DFND   0 0 428
BOEING CO COM 097023105   198,198 933 SH   SOLE   0 0 933
BOEING CO COM 097023105   21,243 100 SH   DFND   0 0 100
BRISTOL-MYERS SQUIBB CO COM 110122108   778,490 11,232 SH   SOLE   0 0 11,232
BRISTOL-MYERS SQUIBB CO COM 110122108   13,377 193 SH   DFND   0 0 193
BROADCOM INC COM 11135F101   1,677,243 2,614 SH   SOLE   0 0 2,614
BROADCOM INC COM 11135F101   7,057 11 SH   DFND   0 0 11
CF INDS HLDGS INC COM 125269100   295,729 4,080 SH   SOLE   0 0 4,080
CHEVRON CORP NEW COM 166764100   382,817 2,346 SH   SOLE   0 0 2,346
CISCO SYS INC COM 17275R102   38,214 731 SH   DFND   0 0 731
CISCO SYS INC COM 17275R102   609,747 11,664 SH   SOLE   0 0 11,664
COMCAST CORP NEW CL A 20030N101   10,274 271 SH   DFND   0 0 271
COMCAST CORP NEW CL A 20030N101   480,131 12,665 SH   SOLE   0 0 12,665
CORNING INC COM 219350105   3,846 109 SH   DFND   0 0 109
CORNING INC COM 219350105   557,424 15,800 SH   SOLE   0 0 15,800
COSTCO WHSL CORP NEW COM 22160K105   4,472 9 SH   DFND   0 0 9
COSTCO WHSL CORP NEW COM 22160K105   980,325 1,973 SH   SOLE   0 0 1,973
CUMMINS INC COM 231021106   1,210,669 5,068 SH   SOLE   0 0 5,068
CUMMINS INC COM 231021106   34,638 145 SH   DFND   0 0 145
DANAHER CORPORATION COM 235851102   345,059 1,369 SH   SOLE   0 0 1,369
DEERE & CO COM 244199105   495,456 1,200 SH   SOLE   0 0 1,200
DISCOVER FINL SVCS COM 254709108   4,547 46 SH   DFND   0 0 46
DISCOVER FINL SVCS COM 254709108   925,341 9,362 SH   SOLE   0 0 9,362
DISNEY WALT CO COM 254687106   19,726 197 SH   DFND   0 0 197
DISNEY WALT CO COM 254687106   585,461 5,847 SH   SOLE   0 0 5,847
EATON CORP PLC SHS G29183103   11,480 67 SH   DFND   0 0 67
EATON CORP PLC SHS G29183103   1,444,225 8,429 SH   SOLE   0 0 8,429
ENBRIDGE INC COM 29250N105   12,208 320 SH   DFND   0 0 320
ENBRIDGE INC COM 29250N105   752,853 19,734 SH   SOLE   0 0 19,734
EOG RES INC COM 26875P101   12,381 108 SH   DFND   0 0 108
EOG RES INC COM 26875P101   907,833 7,920 SH   SOLE   0 0 7,920
FIRST TR EXCHANGE TRADED FD NASDAQ CYB ETF 33734X846   296,901 6,945 SH   SOLE   0 0 6,945
FISERV INC COM 337738108   426,350 3,772 SH   SOLE   0 0 3,772
FORTINET INC COM 34959E109   252,881 3,805 SH   SOLE   0 0 3,805
GENERAL ELECTRIC CO COM NEW 369604301   226,094 2,365 SH   SOLE   0 0 2,365
GLOBAL X FDS S&P 500 COVERED 37954Y475   26,609 657 SH   DFND   0 0 657
GLOBAL X FDS S&P 500 COVERED 37954Y475   3,345,751 82,611 SH   SOLE   0 0 82,611
HOME DEPOT INC COM 437076102   905,607 3,069 SH   SOLE   0 0 3,069
HOME DEPOT INC COM 437076102   10,330 35 SH   DFND   0 0 35
HONEYWELL INTL INC COM 438516106   433,078 2,266 SH   SOLE   0 0 2,266
HONEYWELL INTL INC COM 438516106   43,385 227 SH   DFND   0 0 227
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   537,223 25,828 SH   SOLE   0 0 25,828
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   12,378 646 SH   DFND   0 0 646
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   24,894 1,209 SH   DFND   0 0 1,209
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   1,376,882 67,894 SH   SOLE   0 0 67,894
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   3,692,743 179,346 SH   SOLE   0 0 179,346
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   1,324,895 69,149 SH   SOLE   0 0 69,149
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   7,362 363 SH   DFND   0 0 363
ISHARES INC MSCI BRAZIL ETF 464286400   11,555 422 SH   DFND   0 0 422
ISHARES INC MSCI BRAZIL ETF 464286400   1,730,378 63,199 SH   SOLE   0 0 63,199
ISHARES TR CRE U S REIT ETF 464288521   327,399 6,496 SH   SOLE   0 0 6,496
ISHARES TR CORE S&P MCP ETF 464287507   27,518 110 SH   DFND   0 0 110
ISHARES TR IBONDS 23 TRM TS 46436E882   2,204,451 88,853 SH   SOLE   0 0 88,853
ISHARES TR CORE S&P MCP ETF 464287507   7,842,104 31,348 SH   SOLE   0 0 31,348
ISHARES TR IBONDS 23 TRM TS 46436E882   14,589 588 SH   DFND   0 0 588
JOHNSON & JOHNSON COM 478160104   1,758,105 11,343 SH   SOLE   0 0 11,343
JOHNSON & JOHNSON COM 478160104   9,610 62 SH   DFND   0 0 62
JPMORGAN CHASE & CO COM 46625H100   26,844 206 SH   DFND   0 0 206
JPMORGAN CHASE & CO COM 46625H100   2,209,758 16,958 SH   SOLE   0 0 16,958
KLA CORP COM NEW 482480100   3,992 10 SH   DFND   0 0 10
KLA CORP COM NEW 482480100   1,178,475 2,952 SH   SOLE   0 0 2,952
LILLY ELI & CO COM 532457108   1,135,347 3,306 SH   SOLE   0 0 3,306
LILLY ELI & CO COM 532457108   100,966 294 SH   DFND   0 0 294
LKQ CORP COM 501889208   310,246 5,466 SH   SOLE   0 0 5,466
LOCKHEED MARTIN CORP COM 539830109   259,057 548 SH   SOLE   0 0 548
LOWES COS INC COM 548661107   235,365 1,177 SH   SOLE   0 0 1,177
MASTERCARD INCORPORATED CL A 57636Q104   874,402 2,406 SH   SOLE   0 0 2,406
MCDONALDS CORP COM 580135101   30,198 108 SH   DFND   0 0 108
MCDONALDS CORP COM 580135101   992,336 3,549 SH   SOLE   0 0 3,549
MEDTRONIC PLC SHS G5960L103   10,320 128 SH   DFND   0 0 128
MEDTRONIC PLC SHS G5960L103   837,548 10,389 SH   SOLE   0 0 10,389
METLIFE INC COM 59156R108   9,155 158 SH   DFND   0 0 158
METLIFE INC COM 59156R108   934,188 16,123 SH   SOLE   0 0 16,123
MICROSOFT CORP COM 594918104   3,083,299 10,695 SH   SOLE   0 0 10,695
MICROSOFT CORP COM 594918104   76,688 266 SH   DFND   0 0 266
MONDELEZ INTL INC CL A 609207105   494,037 7,086 SH   SOLE   0 0 7,086
MORGAN STANLEY COM NEW 617446448   8,780 100 SH   DFND   0 0 100
MORGAN STANLEY COM NEW 617446448   1,275,416 14,526 SH   SOLE   0 0 14,526
NORFOLK SOUTHN CORP COM 655844108   715,173 3,373 SH   SOLE   0 0 3,373
NVIDIA CORPORATION COM 67066G104   1,752,188 6,308 SH   SOLE   0 0 6,308
PACKAGING CORP AMER COM 695156109   611,408 4,404 SH   SOLE   0 0 4,404
PACKAGING CORP AMER COM 695156109   3,471 25 SH   DFND   0 0 25
PAYPAL HLDGS INC COM 70450Y103   537,884 7,083 SH   SOLE   0 0 7,083
PEPSICO INC COM 713448108   23,699 130 SH   DFND   0 0 130
PEPSICO INC COM 713448108   1,003,562 5,505 SH   SOLE   0 0 5,505
PROCTER AND GAMBLE CO COM 742718109   22,453 151 SH   DFND   0 0 151
PROCTER AND GAMBLE CO COM 742718109   911,768 6,132 SH   SOLE   0 0 6,132
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   777,690 12,453 SH   SOLE   0 0 12,453
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   13,302 213 SH   DFND   0 0 213
PULTE GROUP INC COM 745867101   339,156 5,819 SH   SOLE   0 0 5,819
QUALCOMM INC COM 747525103   848,790 6,653 SH   SOLE   0 0 6,653
QUALCOMM INC COM 747525103   12,758 100 SH   DFND   0 0 100
QUANTA SVCS INC COM 74762E102   345,778 2,075 SH   SOLE   0 0 2,075
REGENERON PHARMACEUTICALS COM 75886F107   389,472 474 SH   SOLE   0 0 474
ROPER TECHNOLOGIES INC COM 776696106   309,826 703 SH   SOLE   0 0 703
SELECT SECTOR SPDR TR ENERGY 81369Y506   357,152 4,312 SH   SOLE   0 0 4,312
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   537,518 4,152 SH   SOLE   0 0 4,152
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   270,451 3,620 SH   SOLE   0 0 3,620
SHOPIFY INC CL A 82509L107   384,815 8,027 SH   SOLE   0 0 8,027
SOFI TECHNOLOGIES INC COM 83406F102   255,730 42,130 SH   SOLE   0 0 42,130
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   547 17 SH   OTR   0 0 17
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   351,574 10,301 SH   SOLE   0 0 10,301
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   610,088 18,994 SH   SOLE   0 0 18,994
SPDR S&P 500 ETF TR TR UNIT 78462F103   557,180 1,361 SH   SOLE   0 0 1,361
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   278,714 608 SH   SOLE   0 0 608
SPDR SER TR PORTFOLIO S&P600 78468R853   691,768 18,315 SH   SOLE   0 0 18,315
SPDR SER TR PORTFOLIO S&P400 78464A847   574,033 13,064 SH   SOLE   0 0 13,064
SPDR SER TR PORTFOLIO INTRMD 78464A375   1,013,624 31,198 SH   SOLE   0 0 31,198
SPDR SER TR PRTFLO S&P500 VL 78464A508   1,344,575 33,020 SH   SOLE   0 0 33,020
SPDR SER TR PORTFOLIO AGRGTE 78464A649   574,421 22,273 SH   SOLE   0 0 22,273
SPDR SER TR PORTFOLIO S&P500 78464A854   2,647,239 54,979 SH   SOLE   0 0 54,979
SPDR SER TR PRTFLO S&P500 GW 78464A409   644,502 11,642 SH   SOLE   0 0 11,642
STARBUCKS CORP COM 855244109   18,015 173 SH   DFND   0 0 173
STARBUCKS CORP COM 855244109   1,265,076 12,149 SH   SOLE   0 0 12,149
STRYKER CORPORATION COM 863667101   433,683 1,519 SH   SOLE   0 0 1,519
TESLA INC COM 88160R101   449,151 2,165 SH   SOLE   0 0 2,165
THERMO FISHER SCIENTIFIC INC COM 883556102   277,811 482 SH   SOLE   0 0 482
TYSON FOODS INC CL A 902494103   7,415 125 SH   DFND   0 0 125
TYSON FOODS INC CL A 902494103   651,137 10,977 SH   SOLE   0 0 10,977
UNILEVER PLC SPON ADR NEW 904767704   740,003 14,250 SH   SOLE   0 0 14,250
UNILEVER PLC SPON ADR NEW 904767704   5,193 100 SH   DFND   0 0 100
UNITED PARCEL SERVICE INC CL B 911312106   20,369 105 SH   DFND   0 0 105
UNITED PARCEL SERVICE INC CL B 911312106   613,591 3,163 SH   SOLE   0 0 3,163
VALERO ENERGY CORP COM 91913Y100   13,960 100 SH   DFND   0 0 100
VALERO ENERGY CORP COM 91913Y100   1,413,730 10,127 SH   SOLE   0 0 10,127
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   500,174 1,330 SH   SOLE   0 0 1,330
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   314,740 3,790 SH   SOLE   0 0 3,790
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   12,800 210 SH   DFND   0 0 210
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   3,040,034 49,877 SH   SOLE   0 0 49,877
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   400,733 2,602 SH   SOLE   0 0 2,602
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   23,718 154 SH   DFND   0 0 154
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   5,170 49 SH   DFND   0 0 49
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,075,509 10,194 SH   SOLE   0 0 10,194
VANGUARD WORLD FDS ENERGY ETF 92204A306   280,549 2,456 SH   SOLE   0 0 2,456
VANGUARD WORLD FDS UTILITIES ETF 92204A876   521,041 3,532 SH   SOLE   0 0 3,532
VANGUARD WORLD FDS UTILITIES ETF 92204A876   5,016 34 SH   DFND   0 0 34
VERIZON COMMUNICATIONS INC COM 92343V104   13,223 340 SH   DFND   0 0 340
VERIZON COMMUNICATIONS INC COM 92343V104   522,021 13,423 SH   SOLE   0 0 13,423
WALMART INC COM 931142103   501,557 3,402 SH   SOLE   0 0 3,402
ZOETIS INC CL A 98978V103   253,515 1,523 SH   SOLE   0 0 1,523