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   527,997 5,452 SH   SOLE   0 0 5,452
ABBOTT LABS COM 002824100   17,724 183 SH   DFND   0 0 183
ABBVIE INC COM 00287Y109   104,342 700 SH   DFND   0 0 700
ABBVIE INC COM 00287Y109   1,247,644 8,370 SH   SOLE   0 0 8,370
ABBVIE INC COM 00287Y109   12,522 84 SH   OTR   0 0 84
ADOBE INC COM 00724F101   472,168 926 SH   SOLE   0 0 926
AES CORP COM 00130H105   190,732 12,548 SH   SOLE   0 0 12,548
AIR PRODS & CHEMS INC COM 009158106   860,686 3,037 SH   SOLE   0 0 3,037
AIR PRODS & CHEMS INC COM 009158106   13,037 46 SH   DFND   0 0 46
AIR PRODS & CHEMS INC COM 009158106   7,652 27 SH   OTR   0 0 27
ALBEMARLE CORP COM 012653101   382,659 2,250 SH   SOLE   0 0 2,250
ALPHABET INC CAP STK CL A 02079K305   1,887,656 14,425 SH   SOLE   0 0 14,425
ALTRIA GROUP INC COM 02209S103   268,868 6,394 SH   SOLE   0 0 6,394
AMAZON COM INC COM 023135106   17,797 140 SH   DFND   0 0 140
AMAZON COM INC COM 023135106   1,043,529 8,209 SH   SOLE   0 0 8,209
APPLE INC COM 037833100   248,769 1,453 SH   OTR   0 0 1,453
APPLE INC COM 037833100   4,741,308 27,693 SH   SOLE   0 0 27,693
APPLE INC COM 037833100   98,104 573 SH   DFND   0 0 573
APTIV PLC SHS G6095L109   257,222 2,609 SH   SOLE   0 0 2,609
ARISTA NETWORKS INC COM 040413106   231,752 1,260 SH   SOLE   0 0 1,260
BADGER METER INC COM 056525108   496,003 3,448 SH   SOLE   0 0 3,448
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   70,060 200 SH   OTR   0 0 200
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   848,077 2,421 SH   SOLE   0 0 2,421
BLACKROCK INC COM 09247X101   10,991 17 SH   OTR   0 0 17
BLACKROCK INC COM 09247X101   10,344 16 SH   DFND   0 0 16
BLACKROCK INC COM 09247X101   1,104,389 1,708 SH   SOLE   0 0 1,708
BLACKSTONE INC COM 09260D107   8,357 78 SH   OTR   0 0 78
BLACKSTONE INC COM 09260D107   51,749 483 SH   DFND   0 0 483
BLACKSTONE INC COM 09260D107   963,140 8,990 SH   SOLE   0 0 8,990
BRISTOL-MYERS SQUIBB CO COM 110122108   9,635 166 SH   OTR   0 0 166
BRISTOL-MYERS SQUIBB CO COM 110122108   658,000 11,337 SH   SOLE   0 0 11,337
BRISTOL-MYERS SQUIBB CO COM 110122108   11,202 193 SH   DFND   0 0 193
BROADCOM INC COM 11135F101   4,984 6 SH   DFND   0 0 6
BROADCOM INC COM 11135F101   1,404,020 1,690 SH   SOLE   0 0 1,690
BROADCOM INC COM 11135F101   9,967 12 SH   OTR   0 0 12
CATERPILLAR INC COM 149123101   2,451,267 8,979 SH   SOLE   0 0 8,979
CF INDS HLDGS INC COM 125269100   346,989 4,047 SH   SOLE   0 0 4,047
CHEVRON CORP NEW COM 166764100   414,867 2,460 SH   SOLE   0 0 2,460
CISCO SYS INC COM 17275R102   7,581 141 SH   OTR   0 0 141
CISCO SYS INC COM 17275R102   635,966 11,830 SH   SOLE   0 0 11,830
CISCO SYS INC COM 17275R102   39,299 731 SH   DFND   0 0 731
COMCAST CORP NEW CL A 20030N101   511,906 11,545 SH   SOLE   0 0 11,545
COMCAST CORP NEW CL A 20030N101   3,193 72 SH   OTR   0 0 72
COMCAST CORP NEW CL A 20030N101   12,017 271 SH   DFND   0 0 271
CORNING INC COM 219350105   3,322 109 SH   DFND   0 0 109
CORNING INC COM 219350105   491,055 16,116 SH   SOLE   0 0 16,116
CORNING INC COM 219350105   7,679 252 SH   OTR   0 0 252
COSTCO WHSL CORP NEW COM 22160K105   5,085 9 SH   DFND   0 0 9
COSTCO WHSL CORP NEW COM 22160K105   1,107,322 1,960 SH   SOLE   0 0 1,960
COSTCO WHSL CORP NEW COM 22160K105   10,735 19 SH   OTR   0 0 19
CUMMINS INC COM 231021106   33,127 145 SH   DFND   0 0 145
CUMMINS INC COM 231021106   11,880 52 SH   OTR   0 0 52
CUMMINS INC COM 231021106   1,158,232 5,070 SH   SOLE   0 0 5,070
DANAHER CORPORATION COM 235851102   402,438 1,622 SH   SOLE   0 0 1,622
DEERE & CO COM 244199105   695,536 1,843 SH   SOLE   0 0 1,843
DISCOVER FINL SVCS COM 254709108   3,985 46 SH   DFND   0 0 46
DISCOVER FINL SVCS COM 254709108   809,125 9,340 SH   SOLE   0 0 9,340
DISCOVER FINL SVCS COM 254709108   9,357 108 SH   OTR   0 0 108
DISNEY WALT CO COM 254687106   15,967 197 SH   DFND   0 0 197
DISNEY WALT CO COM 254687106   554,950 6,847 SH   SOLE   0 0 6,847
EATON CORP PLC SHS G29183103   8,958 42 SH   DFND   0 0 42
EATON CORP PLC SHS G29183103   12,584 59 SH   OTR   0 0 59
EATON CORP PLC SHS G29183103   1,153,205 5,407 SH   SOLE   0 0 5,407
ELI LILLY & CO COM 532457108   163,288 304 SH   DFND   0 0 304
ELI LILLY & CO COM 532457108   1,692,538 3,151 SH   SOLE   0 0 3,151
ELI LILLY & CO COM 532457108   2,149 4 SH   OTR   0 0 4
ENBRIDGE INC COM 29250N105   11,807 352 SH   OTR   0 0 352
ENBRIDGE INC COM 29250N105   680,594 20,292 SH   SOLE   0 0 20,292
ENBRIDGE INC COM 29250N105   10,733 320 SH   DFND   0 0 320
EOG RES INC COM 26875P101   999,711 7,887 SH   SOLE   0 0 7,887
EOG RES INC COM 26875P101   8,620 68 SH   OTR   0 0 68
EOG RES INC COM 26875P101   13,691 108 SH   DFND   0 0 108
FIRST TR EXCHANGE TRADED FD NASDAQ CYB ETF 33734X846   310,290 6,830 SH   SOLE   0 0 6,830
FORTINET INC COM 34959E109   223,278 3,805 SH   SOLE   0 0 3,805
GENERAL ELECTRIC CO COM NEW 369604301   261,451 2,365 SH   SOLE   0 0 2,365
GLOBAL X FDS S&P 500 COVERED 37954Y475   53,358 1,372 SH   OTR   0 0 1,372
GLOBAL X FDS S&P 500 COVERED 37954Y475   25,551 657 SH   DFND   0 0 657
GLOBAL X FDS S&P 500 COVERED 37954Y475   4,332,437 111,402 SH   SOLE   0 0 111,402
HOME DEPOT INC COM 437076102   9,367 31 SH   OTR   0 0 31
HOME DEPOT INC COM 437076102   10,576 35 SH   DFND   0 0 35
HOME DEPOT INC COM 437076102   954,893 3,160 SH   SOLE   0 0 3,160
HONEYWELL INTL INC COM 438516106   426,565 2,309 SH   SOLE   0 0 2,309
HONEYWELL INTL INC COM 438516106   2,402 13 SH   OTR   0 0 13
HONEYWELL INTL INC COM 438516106   41,936 227 SH   DFND   0 0 227
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   262,124 12,488 SH   SOLE   0 0 12,488
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 HY 46138J817   337,762 15,025 SH   SOLE   0 0 15,025
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   1,388,276 69,034 SH   SOLE   0 0 69,034
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   24,991 1,209 SH   DFND   0 0 1,209
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   7,300 363 SH   DFND   0 0 363
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   3,680,555 178,063 SH   SOLE   0 0 178,063
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   12,136 646 SH   DFND   0 0 646
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 HY 46138J833   2,217,565 98,629 SH   SOLE   0 0 98,629
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 HY 46138J833   12,749 567 SH   DFND   0 0 567
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   37,889 1,833 SH   OTR   0 0 1,833
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 HY 46138J817   2,855 127 SH   OTR   0 0 127
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   1,438,278 76,564 SH   SOLE   0 0 76,564
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 HY 46138J833   17,201 765 SH   OTR   0 0 765
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   21,979 1,170 SH   OTR   0 0 1,170
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   11,242 559 SH   OTR   0 0 559
ISHARES TR CRE U S REIT ETF 464288521   331 7 SH   OTR   0 0 7
ISHARES TR CORE MSCI INTL 46435G326   235,976 4,049 SH   SOLE   0 0 4,049
ISHARES TR CORE S&P MCP ETF 464287507   72,063 289 SH   OTR   0 0 289
ISHARES TR CORE S&P MCP ETF 464287507   27,429 110 SH   DFND   0 0 110
ISHARES TR CRE U S REIT ETF 464288521   307,284 6,513 SH   SOLE   0 0 6,513
ISHARES TR CORE S&P MCP ETF 464287507   7,832,987 31,414 SH   SOLE   0 0 31,414
JOHNSON & JOHNSON COM 478160104   4,517 29 SH   OTR   0 0 29
JOHNSON & JOHNSON COM 478160104   9,657 62 SH   DFND   0 0 62
JOHNSON & JOHNSON COM 478160104   1,795,746 11,530 SH   SOLE   0 0 11,530
JPMORGAN CHASE & CO COM 46625H100   29,875 206 SH   DFND   0 0 206
JPMORGAN CHASE & CO COM 46625H100   2,415,583 16,657 SH   SOLE   0 0 16,657
JPMORGAN CHASE & CO COM 46625H100   4,206 29 SH   OTR   0 0 29
KLA CORP COM NEW 482480100   1,027,555 2,240 SH   SOLE   0 0 2,240
KLA CORP COM NEW 482480100   7,798 17 SH   OTR   0 0 17
KLA CORP COM NEW 482480100   4,587 10 SH   DFND   0 0 10
LKQ CORP COM 501889208   289,944 5,856 SH   SOLE   0 0 5,856
LOCKHEED MARTIN CORP COM 539830109   224,111 548 SH   SOLE   0 0 548
LOWES COS INC COM 548661107   223,844 1,077 SH   SOLE   0 0 1,077
MASTERCARD INCORPORATED CL A 57636Q104   856,798 2,164 SH   SOLE   0 0 2,164
MCDONALDS CORP COM 580135101   908,605 3,449 SH   SOLE   0 0 3,449
MCDONALDS CORP COM 580135101   9,484 36 SH   OTR   0 0 36
MCDONALDS CORP COM 580135101   28,452 108 SH   DFND   0 0 108
MEDTRONIC PLC SHS G5960L103   4,624 59 SH   OTR   0 0 59
MEDTRONIC PLC SHS G5960L103   10,031 128 SH   DFND   0 0 128
MEDTRONIC PLC SHS G5960L103   820,748 10,474 SH   SOLE   0 0 10,474
METLIFE INC COM 59156R108   7,613 121 SH   OTR   0 0 121
METLIFE INC COM 59156R108   1,062,591 16,891 SH   SOLE   0 0 16,891
METLIFE INC COM 59156R108   8,556 136 SH   DFND   0 0 136
MICROSOFT CORP COM 594918104   3,266,063 10,344 SH   SOLE   0 0 10,344
MICROSOFT CORP COM 594918104   83,990 266 SH   DFND   0 0 266
MICROSOFT CORP COM 594918104   7,894 25 SH   OTR   0 0 25
MONDELEZ INTL INC CL A 609207105   492,589 7,098 SH   SOLE   0 0 7,098
MORGAN STANLEY COM NEW 617446448   8,167 100 SH   DFND   0 0 100
MORGAN STANLEY COM NEW 617446448   1,239,481 15,177 SH   SOLE   0 0 15,177
MORGAN STANLEY COM NEW 617446448   9,638 118 SH   OTR   0 0 118
NORFOLK SOUTHN CORP COM 655844108   684,836 3,478 SH   SOLE   0 0 3,478
NORTHROP GRUMMAN CORP COM 666807102   3,522 8 SH   OTR   0 0 8
NORTHROP GRUMMAN CORP COM 666807102   261,914 595 SH   SOLE   0 0 595
NORTHROP GRUMMAN CORP COM 666807102   2,642 6 SH   DFND   0 0 6
NVIDIA CORPORATION COM 67066G104   2,382,898 5,478 SH   SOLE   0 0 5,478
PACKAGING CORP AMER COM 695156109   2,457 16 SH   OTR   0 0 16
PACKAGING CORP AMER COM 695156109   707,559 4,608 SH   SOLE   0 0 4,608
PACKAGING CORP AMER COM 695156109   3,839 25 SH   DFND   0 0 25
PAYPAL HLDGS INC COM 70450Y103   299,023 5,115 SH   SOLE   0 0 5,115
PEPSICO INC COM 713448108   939,715 5,546 SH   SOLE   0 0 5,546
PEPSICO INC COM 713448108   4,067 24 SH   OTR   0 0 24
PEPSICO INC COM 713448108   22,028 130 SH   DFND   0 0 130
PROCTER AND GAMBLE CO COM 742718109   4,522 31 SH   OTR   0 0 31
PROCTER AND GAMBLE CO COM 742718109   22,025 151 SH   DFND   0 0 151
PROCTER AND GAMBLE CO COM 742718109   911,917 6,252 SH   SOLE   0 0 6,252
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   12,122 213 SH   DFND   0 0 213
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   4,383 77 SH   OTR   0 0 77
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   718,888 12,632 SH   SOLE   0 0 12,632
PULTE GROUP INC COM 745867101   482,850 6,521 SH   SOLE   0 0 6,521
QUALCOMM INC COM 747525103   750,655 6,759 SH   SOLE   0 0 6,759
QUALCOMM INC COM 747525103   11,106 100 SH   DFND   0 0 100
QUALCOMM INC COM 747525103   4,110 37 SH   OTR   0 0 37
QUANTA SVCS INC COM 74762E102   388,171 2,075 SH   SOLE   0 0 2,075
REGENERON PHARMACEUTICALS COM 75886F107   400,782 487 SH   SOLE   0 0 487
ROPER TECHNOLOGIES INC COM 776696106   353,067 729 SH   SOLE   0 0 729
SELECT SECTOR SPDR TR ENERGY 81369Y506   413,659 4,576 SH   SOLE   0 0 4,576
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   403,214 3,132 SH   SOLE   0 0 3,132
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   399,711 5,809 SH   SOLE   0 0 5,809
SHOPIFY INC CL A 82509L107   459,862 8,427 SH   SOLE   0 0 8,427
SOFI TECHNOLOGIES INC COM 83406F102   270,766 33,888 SH   SOLE   0 0 33,888
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   403 12 SH   OTR   0 0 12
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   586,809 18,923 SH   SOLE   0 0 18,923
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   1,489 48 SH   OTR   0 0 48
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   357,770 10,657 SH   SOLE   0 0 10,657
SPDR S&P 500 ETF TR TR UNIT 78462F103   579,278 1,355 SH   SOLE   0 0 1,355
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   278,199 609 SH   SOLE   0 0 609
SPDR SER TR PORTFOLIO S&P400 78464A847   745 17 SH   OTR   0 0 17
SPDR SER TR PORTFOLIO INTRMD 78464A375   4,435 141 SH   OTR   0 0 141
SPDR SER TR PRTFLO S&P500 VL 78464A508   1,288,715 31,234 SH   SOLE   0 0 31,234
SPDR SER TR PORTFOLIO S&P500 78464A854   11,359 226 SH   OTR   0 0 226
SPDR SER TR PRTFLO S&P500 GW 78464A409   666,604 11,245 SH   SOLE   0 0 11,245
SPDR SER TR PORTFOLIO AGRGTE 78464A649   684,733 28,132 SH   SOLE   0 0 28,132
SPDR SER TR PORTFOLIO S&P500 78464A854   2,675,742 53,238 SH   SOLE   0 0 53,238
SPDR SER TR PORTFOLIO S&P400 78464A847   574,744 13,125 SH   SOLE   0 0 13,125
SPDR SER TR PRTFLO S&P500 VL 78464A508   1,775 43 SH   OTR   0 0 43
SPDR SER TR PRTFLO S&P500 GW 78464A409   830 14 SH   OTR   0 0 14
SPDR SER TR PORTFOLIO INTRMD 78464A375   1,801,268 57,274 SH   SOLE   0 0 57,274
SPDR SER TR PORTFOLIO S&P600 78468R853   672,921 18,236 SH   SOLE   0 0 18,236
SPDR SER TR PORTFOLIO S&P600 78468R853   554 15 SH   OTR   0 0 15
STARBUCKS CORP COM 855244109   11,227 123 SH   OTR   0 0 123
STARBUCKS CORP COM 855244109   15,790 173 SH   DFND   0 0 173
STARBUCKS CORP COM 855244109   1,089,764 11,940 SH   SOLE   0 0 11,940
STRYKER CORPORATION COM 863667101   433,467 1,586 SH   SOLE   0 0 1,586
TESLA INC COM 88160R101   516,705 2,065 SH   SOLE   0 0 2,065
THERMO FISHER SCIENTIFIC INC COM 883556102   285,480 564 SH   SOLE   0 0 564
UNILEVER PLC SPON ADR NEW 904767704   4,940 100 SH   DFND   0 0 100
UNILEVER PLC SPON ADR NEW 904767704   4,002 81 SH   OTR   0 0 81
UNILEVER PLC SPON ADR NEW 904767704   690,464 13,977 SH   SOLE   0 0 13,977
UNITED PARCEL SERVICE INC CL B 911312106   7,638 49 SH   OTR   0 0 49
UNITED PARCEL SERVICE INC CL B 911312106   16,367 105 SH   DFND   0 0 105
UNITED PARCEL SERVICE INC CL B 911312106   522,009 3,349 SH   SOLE   0 0 3,349
VALERO ENERGY CORP COM 91913Y100   14,171 100 SH   DFND   0 0 100
VALERO ENERGY CORP COM 91913Y100   14,455 102 SH   OTR   0 0 102
VALERO ENERGY CORP COM 91913Y100   1,469,533 10,370 SH   SOLE   0 0 10,370
VANGUARD INDEX FDS TOTAL STK MKT 922908769   204,127 961 SH   SOLE   0 0 961
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   490,090 1,248 SH   SOLE   0 0 1,248
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   12,166 210 SH   DFND   0 0 210
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   17,090 295 SH   OTR   0 0 295
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   2,860,749 49,383 SH   SOLE   0 0 49,383
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   23,929 154 SH   DFND   0 0 154
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   389,065 2,504 SH   SOLE   0 0 2,504
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   5,063 49 SH   DFND   0 0 49
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,005,824 9,735 SH   SOLE   0 0 9,735
VANGUARD WORLD FDS UTILITIES ETF 92204A876   454,936 3,567 SH   SOLE   0 0 3,567
VANGUARD WORLD FDS UTILITIES ETF 92204A876   3,699 29 SH   OTR   0 0 29
VANGUARD WORLD FDS UTILITIES ETF 92204A876   4,337 34 SH   DFND   0 0 34
VERIZON COMMUNICATIONS INC COM 92343V104   11,020 340 SH   DFND   0 0 340
VERIZON COMMUNICATIONS INC COM 92343V104   440,161 13,581 SH   SOLE   0 0 13,581
VERIZON COMMUNICATIONS INC COM 92343V104   2,431 75 SH   OTR   0 0 75
WALMART INC COM 931142103   111,951 700 SH   OTR   0 0 700
WALMART INC COM 931142103   554,419 3,467 SH   SOLE   0 0 3,467
WELLTOWER INC COM 95040Q104   206,569 2,522 SH   SOLE   0 0 2,522
ZOETIS INC CL A 98978V103   295,644 1,699 SH   SOLE   0 0 1,699