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
AGNICO EAGLE MINES LTD COM NON US EQUITY 008474108   72,802 1,370 SH   DFND 1 1,370 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW COM COMMON STOCK 084670702   14,053,598 47,002 SH   DFND 1 47,002 0 0
CERNER CORP COMMON STOCK 156782104   79,868 860 SH   DFND 1 860 0 0
COMCAST CORP CL A (NEW) COMMON STOCK 20030N101   44,290 880 SH   DFND 1 880 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   2,126,380 33,555 SH   DFND 1 33,555 0 0
CORTEVA INC COM COMMON STOCK 22052L104   86,759 1,835 SH   DFND 1 1,835 0 0
DOMINION ENERGY INC COM COMMON STOCK 25746U109   91,522 1,165 SH   DFND 1 1,165 0 0
DUPONT DE NEMOURS INC COM COMMON STOCK 26614N102   129,167 1,599 SH   DFND 1 1,599 0 0
ENBRIDGE INC COM NON US EQUITY 29250N105   2,558,958 65,480 SH   DFND 1 65,480 0 0
EOG RESOURCES INC COMMON STOCK 26875P101   45,747 515 SH   DFND 1 515 0 0
EQUITY COMMONWEALTH REAL ESTATE INVESTMENT TRUST 294628102   87,801 3,390 SH   DFND 1 3,390 0 0
GRAHAM HOLDINGS CO COMMON STOCK 384637104   28,342 45 SH   DFND 1 45 0 0
BARRICK GOLD CORP NON US EQUITY 067901108   81,890 4,310 SH   DFND 1 4,310 0 0
GUIDEWIRE SOFTWARE INC COMMON STOCK 40171V100   41,438 365 SH   DFND 1 365 0 0
INGREDION INC COMMON STOCK 457187102   78,762 815 SH   DFND 1 815 0 0
JONES LANG LASALLE INC COMMON STOCK 48020Q107   37,977 141 SH   DFND 1 141 0 0
LOEWS CORP COM COMMON STOCK 540424108   113,210 1,960 SH   DFND 1 1,960 0 0
MEDTRONIC PLC NON US EQUITY G5960L103   65,691 635 SH   DFND 1 635 0 0
PFIZER INC COM COMMON STOCK 717081103   2,456,952 41,608 SH   DFND 1 41,608 0 0
STARBUCKS CORP COMMON STOCK 855244109   202,007 1,727 SH   DFND 1 1,727 0 0
TJX COS INC NEW COM COMMON STOCK 872540109   36,062 475 SH   DFND 1 475 0 0
THE TRAVELERS COMPANIES INC COMMON STOCK 89417E109   128,273 820 SH   DFND 1 820 0 0
UNILEVER PLC SPON ADR NEW ADR / IDR / GDR 904767704   95,477 1,775 SH   DFND 1 1,775 0 0
VIATRIS INC COM COMMON STOCK 92556V106   46,313 3,423 SH   DFND 1 3,423 0 0
VERIZON COMMUNICATIONS INC COM COMMON STOCK 92343V104   1,248,599 24,030 SH   DFND 1 24,030 0 0
ALLEGHANY CORP COMMON STOCK 017175100   66,759 100 SH   DFND 1 100 0 0
KIRKLAND LAKE GOLD LTD COM NON US EQUITY 49741E100   56,213 1,340 SH   DFND 1 1,340 0 0
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101   45,820 287 SH   DFND 1 287 0 0
APPLE INC COM COMMON STOCK 037833100   2,013,999 11,342 SH   DFND 1 11,342 0 0
ABBVIE INC COM COMMON STOCK 00287Y109   152,460 1,126 SH   DFND 1 1,126 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100   21,815 155 SH   DFND 1 155 0 0
ACCENTURE PLC NON US EQUITY G1151C101   107,783 260 SH   DFND 1 260 0 0
ADOBE INC COM COMMON STOCK 00724F101   48,200 85 SH   DFND 1 85 0 0
AUTODESK INCORPORATED COMMON STOCK 052769106   54,551 194 SH   DFND 1 194 0 0
GALLAGHER ARTHUR J COMMON STOCK 363576109   9,332 55 SH   DFND 1 55 0 0
ALIGN TECHNOLOGY INC COMMON STOCK 016255101   328,590 500 SH   DFND 1 500 0 0
ALASKA AIR GROUP INC COMMON STOCK 011659109   43,972 844 SH   DFND 1 844 0 0
ALLSTATE CORP COM COMMON STOCK 020002101   50,237 427 SH   DFND 1 427 0 0
ALNYLAM PHARMACEUTICALS INC COMMON STOCK 02043Q107   61,897 365 SH   DFND 1 365 0 0
AMGEN INC COMMON STOCK 031162100   119,684 532 SH   DFND 1 532 0 0
AMERIPRISE FINANCIAL INC COMMON STOCK 03076C106   70,588 234 SH   DFND 1 234 0 0
AMERICAN TOWER CORP NEW COM REAL ESTATE INVESTMENT TRUST 03027X100   9,068 31 SH   DFND 1 31 0 0
AMAZON.COM INC COMMON STOCK 023135106   1,173,688 352 SH   DFND 1 352 0 0
ANSYS INC COMMON STOCK 03662Q105   48,536 121 SH   DFND 1 121 0 0
APTIV PLC SHS NON US EQUITY G6095L109   97,980 594 SH   DFND 1 594 0 0
ASML HOLDING NV NON US EQUITY N07059210   11,942 15 SH   DFND 1 15 0 0
ATHENE HOLDING LTD PFD NON US PREFERRED STOCK 04686J309   14,032 492 SH   DFND 1 492 0 0
BROADCOM INC COM COMMON STOCK 11135F101   385,938 580 SH   DFND 1 580 0 0
BOEING CO COMMON STOCK 097023105   113,746 565 SH   DFND 1 565 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104   80,171 1,802 SH   DFND 1 1,802 0 0
BIO RAD LABS INC CL A COMMON STOCK 090572207   48,356 64 SH   DFND 1 64 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100   94,903 1,634 SH   DFND 1 1,634 0 0
BOOKING HLDGS INC COM COMMON STOCK 09857L108   580,614 242 SH   DFND 1 242 0 0
BROADRIDGE FINANCIAL SOLUTIONS COMMON STOCK 11133T103   94,335 516 SH   DFND 1 516 0 0
BRITISH AMERICAN TOBACCO PLC SPON ADR ADR / IDR / GDR 110448107   1,256,265 33,581 SH   DFND 1 33,581 0 0
CATERPILLAR INC COM COMMON STOCK 149123101   1,478,191 7,150 SH   DFND 1 7,150 0 0
COMMERCE BANCSHARES INC COMMON STOCK 200525103   150,197 2,185 SH   DFND 1 2,185 0 0
CF INDUSTRIES HLDGS COMMON STOCK 125269100   62,286 880 SH   DFND 1 880 0 0
CHARTER COMMUNICATIONS INC CLASS A COMMON STOCK 16119P108   4,564 7 SH   DFND 1 7 0 0
CHINA STL CORP SPON ADR ADR / IDR / GDR 169417102   51 2 SH   DFND 1 2 0 0
CME GROUP INC COMMON STOCK 12572Q105   13,708 60 SH   DFND 1 60 0 0
CUMMINS INC COMMON STOCK 231021106   44,937 206 SH   DFND 1 206 0 0
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105   52,813 364 SH   DFND 1 364 0 0
COINBASE GLOBAL INC COM CL A COMMON STOCK 19260Q107   93,629 371 SH   DFND 1 371 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   38,833 538 SH   DFND 1 538 0 0
CENCORA INC COM COMMON STOCK 03073E105   483,587 3,639 SH   DFND 1 3,639 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   647,178 1,140 SH   DFND 1 1,140 0 0
SALESFORCE INC COM COMMON STOCK 79466L302   12,707 50 SH   DFND 1 50 0 0
CSX CORP COMMON STOCK 126408103   213,380 5,675 SH   DFND 1 5,675 0 0
CINTAS CORP COMMON STOCK 172908105   17,727 40 SH   DFND 1 40 0 0
CVS HEALTH CORP COM COMMON STOCK 126650100   231,491 2,244 SH   DFND 1 2,244 0 0
CHEVRON CORP NEW COM COMMON STOCK 166764100   317,901 2,709 SH   DFND 1 2,709 0 0
CYTODYN INC COM COMMON STOCK 23283M101   14,831 15,000 SH   DFND 1 15,000 0 0
DEUTSCHE X TRACKERS MSCI EAFE HD FD ETF EXCHANGE-TRADED FUND 233051200   32,830 836 SH   DFND 1 836 0 0
D R HORTON INC COM COMMON STOCK 23331A109   52,273 482 SH   DFND 1 482 0 0
DANAHER CORPORATION COM COMMON STOCK 235851102   83,240 253 SH   DFND 1 253 0 0
DISNEY WALT CO COM COMMON STOCK 254687106   187,417 1,210 SH   DFND 1 1,210 0 0
DANIMER SCIENTIFIC INC COM CL A COMMON STOCK 236272100   4,260 500 SH   DFND 1 500 0 0
DARDEN RESTAURANTS INC COM COMMON STOCK 237194105   93,547 621 SH   DFND 1 621 0 0
DTE ENERGY CO COM COMMON STOCK 233331107   42,078 352 SH   DFND 1 352 0 0
WISDOMTREE TR JAPN HEDGE EQT ETF EXCHANGE-TRADED FUND 97717W851   23,890 382 SH   DFND 1 382 0 0
ECOLAB INC COM COMMON STOCK 278865100   225,206 960 SH   DFND 1 960 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104   1,564,172 18,333 SH   DFND 1 18,333 0 0
ELEVANCE HEALTH INC COM COMMON STOCK 036752103   465,858 1,005 SH   DFND 1 1,005 0 0
EPAM SYSTEMS INC COMMON STOCK 29414B104   385,696 577 SH   DFND 1 577 0 0
EVERSOURCE ENERGY COM COMMON STOCK 30040W108   8,188 90 SH   DFND 1 90 0 0
EATON CORP PLC NON US EQUITY G29183103   1,866,110 10,798 SH   DFND 1 10,798 0 0
EDWARDS LIFESCIENCES CORP COMMON STOCK 28176E108   21,376 165 SH   DFND 1 165 0 0
ISHARES MSCI HONG KONG ETF EXCHANGE-TRADED FUND 464286871   9,299 401 SH   DFND 1 401 0 0
FISERV INC COM COMMON STOCK 337738108   486,256 4,685 SH   DFND 1 4,685 0 0
FIDELITY NATL INFORMATION SVC COMMON STOCK 31620M106   401,454 3,678 SH   DFND 1 3,678 0 0
FIVE BELOW INC COMMON STOCK 33829M101   210,614 1,018 SH   DFND 1 1,018 0 0
THE FIDELITY MSCI FINANCIALS INDEX ETF EXCHANGE-TRADED FUND 316092501   32,545 582 SH   DFND 1 582 0 0
FLOOR & DECOR HLDGS INC CL A COMMON STOCK 339750101   329,445 2,534 SH   DFND 1 2,534 0 0
SPDR GOLD TRUST ETF EXCHANGE-TRADED FUND 78463V107   536,302 3,137 SH   DFND 1 3,137 0 0
ALPHABET INC CAP STK CL C COMMON STOCK 02079K107   63,659 22 SH   DFND 1 22 0 0
ALPHABET INC CL A COMMON STOCK 02079K305   2,025,031 699 SH   DFND 1 699 0 0
GLOBAL PAYMENTS INC COMMON STOCK 37940X102   66,373 491 SH   DFND 1 491 0 0
HCA HEALTHCARE INC COMMON STOCK 40412C101   23,123 90 SH   DFND 1 90 0 0
HOME DEPOT INC COMMON STOCK 437076102   509,632 1,228 SH   DFND 1 1,228 0 0
HP INC COM COMMON STOCK 40434L105   150,115 3,985 SH   DFND 1 3,985 0 0
HOST HOTELS & RESORTS INC REAL ESTATE INVESTMENT TRUST 44107P104   89,263 5,133 SH   DFND 1 5,133 0 0
ISHARES GOLD TR ISHARES NEW ETF EXCHANGE-TRADED FUND 464285204   1,092,756 31,392 SH   DFND 1 31,392 0 0
INTERNATIONAL BUSINESS MACHS COM COMMON STOCK 459200101   250,613 1,875 SH   DFND 1 1,875 0 0
INTERCONTINENTAL EXCHANGE INC COMMON STOCK 45866F104   51,289 375 SH   DFND 1 375 0 0
ISHARES CORE MSCI EUROPE ETF EXCHANGE-TRADED FUND 46434V738   76,655 1,318 SH   DFND 1 1,318 0 0
INTEL CORP COMMON STOCK 458140100   1,372,063 26,642 SH   DFND 1 26,642 0 0
INTUIT INC COMMON STOCK 461202103   113,850 177 SH   DFND 1 177 0 0
IONIS PHARMACEUTICALS INC COMMON STOCK 462222100   29,274 962 SH   DFND 1 962 0 0
IQVIA HLDGS INC COM COMMON STOCK 46266C105   1,026,143 3,637 SH   DFND 1 3,637 0 0
ISHARES TR CORE S&P500 ETF EXCHANGE-TRADED FUND 464287200   7,716,744 16,178 SH   DFND 1 16,178 0 0
ISHARES RUSSELL 2000 ETF EXCHANGE-TRADED FUND 464287655   192,197 864 SH   DFND 1 864 0 0
ISHARES RUSSELL 2000 VALUE ETF EXCHANGE-TRADED FUND 464287630   45,332 273 SH   DFND 1 273 0 0
ISHARES RUSSELL 2000 GROWTH ETF EXCHANGE-TRADED FUND 464287648   500,822 1,709 SH   DFND 1 1,709 0 0
ISHARES RUSSELL MIDCAP ETF EXCHANGE-TRADED FUND 464287499   305,560 3,681 SH   DFND 1 3,681 0 0
ISHARES RUSSELL MIDCAP VALUE ETF EXCHANGE-TRADED FUND 464287473   50,421 412 SH   DFND 1 412 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   90,154 527 SH   DFND 1 527 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100   379,723 2,398 SH   DFND 1 2,398 0 0
KEYSIGHT TECHNOLOGIES INC COMMON STOCK 49338L103   77,648 376 SH   DFND 1 376 0 0
KLA CORPORATION COM COMMON STOCK 482480100   176,345 410 SH   DFND 1 410 0 0
CARMAX INC COMMON STOCK 143130102   508,418 3,904 SH   DFND 1 3,904 0 0
COCA COLA CO COM COMMON STOCK 191216100   1,705,544 28,805 SH   DFND 1 28,805 0 0
LITTELFUSE INC COMMON STOCK 537008104   134,368 427 SH   DFND 1 427 0 0
LKQ CORP COMMON STOCK 501889208   108,834 1,813 SH   DFND 1 1,813 0 0
LILLY ELI & CO COM COMMON STOCK 532457108   83,418 302 SH   DFND 1 302 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109   14,216 40 SH   DFND 1 40 0 0
ALLIANT ENERGY CORPORATION COMMON STOCK 018802108   1,612,051 26,225 SH   DFND 1 26,225 0 0
LOWES COMPANIES INC COMMON STOCK 548661107   400,644 1,550 SH   DFND 1 1,550 0 0
LYONDELLBASELL INDUSTRIES CL A NON US EQUITY N53745100   1,321,933 14,333 SH   DFND 1 14,333 0 0
LYFT INC CL A COM COMMON STOCK 55087P104   178,911 4,187 SH   DFND 1 4,187 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104   1,488,303 4,142 SH   DFND 1 4,142 0 0
MID-AMERICA APARTMENT COMM REAL ESTATE INVESTMENT TRUST 59522J103   17,208 75 SH   DFND 1 75 0 0
MASCO CORP COMMON STOCK 574599106   14,044 200 SH   DFND 1 200 0 0
MASIMO CORPORATION COMMON STOCK 574795100   300,685 1,027 SH   DFND 1 1,027 0 0
MCDONALDS CORP COMMON STOCK 580135101   1,776,768 6,628 SH   DFND 1 6,628 0 0
MCKESSON CORP COMMON STOCK 58155Q103   74,571 300 SH   DFND 1 300 0 0
SPDR S&P MIDCAP 400 ETF TRUS EXCHANGE-TRADED FUND 78467Y107   470,053 908 SH   DFND 1 908 0 0
METLIFE INC COMMON STOCK 59156R108   59,053 945 SH   DFND 1 945 0 0
META PLATFORMS INC CL A COM COMMON STOCK 30303M102   1,092,801 3,249 SH   DFND 1 3,249 0 0
3M CO COM COMMON STOCK 88579Y101   1,643,966 9,255 SH   DFND 1 9,255 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   29,950 632 SH   DFND 1 632 0 0
MERCK & CO INC COMMON STOCK 58933Y105   1,510,804 19,713 SH   DFND 1 19,713 0 0
MICROSOFT CORP COM COMMON STOCK 594918104   1,612,318 4,794 SH   DFND 1 4,794 0 0
NEXTERA ENERGY INC COM COMMON STOCK 65339F101   91,493 980 SH   DFND 1 980 0 0
NETFLIX INC COMMON STOCK 64110L106   377,730 627 SH   DFND 1 627 0 0
NIKE INC CL B COM COMMON STOCK 654106103   45,001 270 SH   DFND 1 270 0 0
NNN REIT INC COM REAL ESTATE INVESTMENT TRUST 637417106   9,133 190 SH   DFND 1 190 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102   7,741 20 SH   DFND 1 20 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   14,290 48 SH   DFND 1 48 0 0
NVIDIA CORP COMMON STOCK 67066G104   58,822 200 SH   DFND 1 200 0 0
NXP SEMICONDUCTORS NV ORD NON US EQUITY N6596X109   13,667 60 SH   DFND 1 60 0 0
OLD DOMINION FREIGHT LINE COMMON STOCK 679580100   184,566 515 SH   DFND 1 515 0 0
ISHARES S&P 100 ETF EXCHANGE-TRADED FUND 464287101   104,087 475 SH   DFND 1 475 0 0
ONEMAIN HOLDINGS INC COMMON STOCK 68268W103   117,594 2,350 SH   DFND 1 2,350 0 0
ON SEMICONDUCTOR CORP COM COMMON STOCK 682189105   315,149 4,640 SH   DFND 1 4,640 0 0
ORACLE CORP COMMON STOCK 68389X105   6,890 79 SH   DFND 1 79 0 0
PAYCOM SOFTWARE INC COMMON STOCK 70432V102   300,598 724 SH   DFND 1 724 0 0
PAYCHEX INC COMMON STOCK 704326107   1,978,977 14,498 SH   DFND 1 14,498 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106   45,109 676 SH   DFND 1 676 0 0
PEPSICO INC COM COMMON STOCK 713448108   15,634 90 SH   DFND 1 90 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   172,740 1,056 SH   DFND 1 1,056 0 0
INVESCO EXCHNG TRADED FD TR II PFD ETF EXCHANGE-TRADED FUND 46138E511   580,605 38,707 SH   DFND 1 38,707 0 0
PINTEREST INC CL A COMMON STOCK 72352L106   724,310 19,926 SH   DFND 1 19,926 0 0
PROLOGIS INC REAL ESTATE INVESTMENT TRUST 74340W103   17,004 101 SH   DFND 1 101 0 0
PHILIP MORRIS INTL INC COM COMMON STOCK 718172109   274,835 2,893 SH   DFND 1 2,893 0 0
PRIMERICA INC COMMON STOCK 74164M108   114,033 744 SH   DFND 1 744 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   1,596,756 14,752 SH   DFND 1 14,752 0 0
QUANTA SERVICES INC COMMON STOCK 74762E102   64,095 559 SH   DFND 1 559 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103   177,265 940 SH   DFND 1 940 0 0
ROBLOX CORP CL A COM COMMON STOCK 771049103   559,230 5,421 SH   DFND 1 5,421 0 0
REGENERON PHARMACEUTICALS COMMON STOCK 75886F107   63,152 100 SH   DFND 1 100 0 0
RH COMMON STOCK 74967X103   115,227 215 SH   DFND 1 215 0 0
ROBERT HALF INC COM COMMON STOCK 770323103   131,594 1,180 SH   DFND 1 1,180 0 0
ROPER TECHNOLOGIES INC COM COMMON STOCK 776696106   61,974 126 SH   DFND 1 126 0 0
REPUBLIC SERVICES INC COMMON STOCK 760759100   56,338 404 SH   DFND 1 404 0 0
RTX CORPORATION COM COMMON STOCK 75513E101   214,720 2,495 SH   DFND 1 2,495 0 0
SHERWIN WILLIAMS CO COMMON STOCK 824348106   373,994 1,062 SH   DFND 1 1,062 0 0
SITEONE LANDSCAPE SUPPLY INC COMMON STOCK 82982L103   76,318 315 SH   DFND 1 315 0 0
SCOTTS MIRACLE GRO CO CL A COMMON STOCK 810186106   48,783 303 SH   DFND 1 303 0 0
SYNOPSYS INC COMMON STOCK 871607107   80,702 219 SH   DFND 1 219 0 0
SOUTHERN CO COM COMMON STOCK 842587107   1,525,082 22,238 SH   DFND 1 22,238 0 0
S&P GLOBAL INC COM COMMON STOCK 78409V104   227,470 482 SH   DFND 1 482 0 0
S&P 500 DR (SPDRS) EXCHANGE-TRADED FUND 78462F103   488,734 1,029 SH   DFND 1 1,029 0 0
CONSTELLATION BRANDS INC CL A COMMON STOCK 21036P108   89,847 358 SH   DFND 1 358 0 0
STANLEY BLACK & DECKER INC COMMON STOCK 854502101   45,835 243 SH   DFND 1 243 0 0
STRYKER CORPORATION COM COMMON STOCK 863667101   100,550 376 SH   DFND 1 376 0 0
AT&T INC. COMMON STOCK 00206R102   191,732 7,794 SH   DFND 1 7,794 0 0
TENCENT HOLDINGS LIMITED ADR ADR / IDR / GDR 88032Q109   272,144 4,668 SH   DFND 1 4,668 0 0
TRUIST FINL CORP COM COMMON STOCK 89832Q109   150,766 2,575 SH   DFND 1 2,575 0 0
TARGET CORP COMMON STOCK 87612E106   142,567 616 SH   DFND 1 616 0 0
THERMO FISHER SCIENTIFIC INC COM COMMON STOCK 883556102   82,071 123 SH   DFND 1 123 0 0
TRANSUNION COMMON STOCK 89400J107   9,486 80 SH   DFND 1 80 0 0
TRACTOR SUPPLY CO COMMON STOCK 892356106   20,281 85 SH   DFND 1 85 0 0
TAIWAN SEMICONDUCTOR SPONS ADR ADR / IDR / GDR 874039100   556,915 4,629 SH   DFND 1 4,629 0 0
TYSON FOODS INC CL A COMMON STOCK 902494103   69,031 792 SH   DFND 1 792 0 0
THE TRADE DESK INC-CLASS A COMMON STOCK 88339J105   396,801 4,330 SH   DFND 1 4,330 0 0
TTEC HLDGS INC COM COMMON STOCK 89854H102   73,798 815 SH   DFND 1 815 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   17,716 94 SH   DFND 1 94 0 0
UBER TECHNOLOGIES INC COM COMMON STOCK 90353T100   231,118 5,512 SH   DFND 1 5,512 0 0
UNITEDHEALTH GROUP INC COM COMMON STOCK 91324P102   710,026 1,414 SH   DFND 1 1,414 0 0
UNION PACIFIC CORP COM COMMON STOCK 907818108   56,684 225 SH   DFND 1 225 0 0
UNITED PARCEL SERVICE INC CL B COMMON STOCK 911312106   1,816,746 8,476 SH   DFND 1 8,476 0 0
U S BANCORP NEW COMMON STOCK 902973304   216,985 3,863 SH   DFND 1 3,863 0 0
VISA INC COM CL A COMMON STOCK 92826C839   527,039 2,432 SH   DFND 1 2,432 0 0
VANGUARD FINANCIALS ETF EXCHANGE-TRADED FUND 92204A405   34,282 355 SH   DFND 1 355 0 0
VANGUARD INFORMATION TECHNOLOGY INDEX EXCHANGE-TRADED FUND 92204A702   55,439 121 SH   DFND 1 121 0 0
VANGUARD HEALTH CARE EXCHANGE-TRADED FUND 92204A504   17,584 66 SH   DFND 1 66 0 0
VANGUARD DIVIDEND APPRECIATION ETF EXCHANGE-TRADED FUND 921908844   17,690 103 SH   DFND 1 103 0 0
VALERO ENERGY CORP NEW COMMON STOCK 91913Y100   33,574 447 SH   DFND 1 447 0 0
VANGUARD INDEX FDS REAL ESTATE ETF EXCHANGE-TRADED FUND 922908553   16,241 140 SH   DFND 1 140 0 0
VERISIGN INC COMMON STOCK 92343E102   23,605 93 SH   DFND 1 93 0 0
VANGUARD TOTAL STOCK MARKET ETF EXCHANGE-TRADED FUND 922908769   520,545 2,156 SH   DFND 1 2,156 0 0
VANGUARD GROWTH ETF EXCHANGE-TRADED FUND 922908736   387,326 1,207 SH   DFND 1 1,207 0 0
VANGUARD INTL EQUITY INDEX FDS FTSE ETF EXCHANGE-TRADED FUND 922042858   24,235 490 SH   DFND 1 490 0 0
VANGUARD TOTAL INTL STOCK ET EXCHANGE-TRADED FUND 921909768   549,753 8,648 SH   DFND 1 8,648 0 0
VANGUARD HIGH DIVIDEND YIELD ETF EXCHANGE-TRADED FUND 921946406   535,774 4,779 SH   DFND 1 4,779 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108   64,470 1,236 SH   DFND 1 1,236 0 0
WORKDAY INC COM CL A COMMON STOCK 98138H101   27,318 100 SH   DFND 1 100 0 0
WASTE MGMT INC DEL COM COMMON STOCK 94106L109   1,821,046 10,911 SH   DFND 1 10,911 0 0
WESTBURY METALS GRP COM COMMON STOCK 957289101   0 1,000 SH   DFND 1 1,000 0 0
WALMART INC COMMON STOCK 931142103   59,902 414 SH   DFND 1 414 0 0
XILINX INC COMMON STOCK 983919101   57,884 273 SH   DFND 1 273 0 0
ZEBRA TECH CORP CL A COMMON STOCK 989207105   133,920 225 SH   DFND 1 225 0 0
ZOETIS INC CL A COM COMMON STOCK 98978V103   373,366 1,530 SH   DFND 1 1,530 0 0
SHELL PLC SPON ADR B ADR / IDR / GDR 780259107   226,981 5,236 SH   DFND 1 5,236 0 0
CHINA MED TECH INC ADR COMMON STOCK 169483104   256 100 SH   DFND 1 100 0 0
ANNALY CAPITAL MANAGEMENT IN REAL ESTATE INVESTMENT TRUST 035710409   279,956 35,800 SH   DFND 1 35,800 0 0
VANGUARD INTERMEDIATE TERM BD ETF EXCHANGE-TRADED FUND 921937819   312,365 3,565 SH   DFND 1 3,565 0 0
INVESCO ETF TR II S&P GBL WATER EXCHANGE-TRADED FUND 46138E263   89,429 1,475 SH   DFND 1 1,475 0 0
SPDR SER TR BLOOMBERG CONV EXCHANGE-TRADED FUND 78464A359   204,413 2,464 SH   DFND 1 2,464 0 0
ISHARES TR IBOXX HI YD ETF EXCHANGE-TRADED FUND 464288513   31,324 360 SH   DFND 1 360 0 0
ISHARES TR NATIONAL MUN ETF EXCHANGE-TRADED FUND 464288414   168,606 1,450 SH   DFND 1 1,450 0 0
SPDR SER TR NUVEEN BLMBRG SH EXCHANGE-TRADED FUND 78468R739   59,016 1,200 SH   DFND 1 1,200 0 0
ISHARES 1-3 YEAR TREASURY BOND ETF EXCHANGE-TRADED FUND 464287457   539,330 6,305 SH   DFND 1 6,305 0 0
SPDR SERIES TRUST PORTFOLIO SHORT ETF EXCHANGE-TRADED FUND 78464A474   616,582 19,909 SH   DFND 1 19,909 0 0
ISHARES 0 5 YEAR TIPS BOND ETF EXCHANGE-TRADED FUND 46429B747   17,258 163 SH   DFND 1 163 0 0
SPDR DOUBLELINE TR TACT ETF EXCHANGE-TRADED FUND 78467V848   677,151 14,304 SH   DFND 1 14,304 0 0