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   102,703 2,432 SH   DFND 1 2,432 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW COM COMMON STOCK 084670702   20,080,972 75,204 SH   DFND 1 75,204 0 0
COMCAST CORP CL A (NEW) COMMON STOCK 20030N101   56,900 1,940 SH   DFND 1 1,940 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   1,578,000 39,450 SH   DFND 1 39,450 0 0
CORTEVA INC COM COMMON STOCK 22052L104   108,356 1,896 SH   DFND 1 1,896 0 0
DOMINION ENERGY INC COM COMMON STOCK 25746U109   80,513 1,165 SH   DFND 1 1,165 0 0
DUPONT DE NEMOURS INC COM COMMON STOCK 26614N102   80,590 1,599 SH   DFND 1 1,599 0 0
ENBRIDGE INC COM NON US EQUITY 29250N105   2,841,712 76,596 SH   DFND 1 76,596 0 0
EOG RESOURCES INC COMMON STOCK 26875P101   67,038 600 SH   DFND 1 600 0 0
EQUITY COMMONWEALTH REAL ESTATE INVESTMENT TRUST 294628102   82,580 3,390 SH   DFND 1 3,390 0 0
BARRICK GOLD CORP NON US EQUITY 067901108   75,640 4,880 SH   DFND 1 4,880 0 0
GUIDEWIRE SOFTWARE INC COMMON STOCK 40171V100   22,477 365 SH   DFND 1 365 0 0
INGREDION INC COMMON STOCK 457187102   65,624 815 SH   DFND 1 815 0 0
JONES LANG LASALLE INC COMMON STOCK 48020Q107   21,301 141 SH   DFND 1 141 0 0
LOEWS CORP COM COMMON STOCK 540424108   97,686 1,960 SH   DFND 1 1,960 0 0
MEDTRONIC PLC NON US EQUITY G5960L103   62,178 770 SH   DFND 1 770 0 0
MERCK & CO INC COMMON STOCK 58933Y105   1,976,712 22,953 SH   DFND 1 22,953 0 0
STARBUCKS CORP COMMON STOCK 855244109   154,364 1,832 SH   DFND 1 1,832 0 0
TJX COS INC NEW COM COMMON STOCK 872540109   29,507 475 SH   DFND 1 475 0 0
THE TRAVELERS COMPANIES INC COMMON STOCK 89417E109   147,072 960 SH   DFND 1 960 0 0
UNILEVER PLC SPON ADR NEW ADR / IDR / GDR 904767704   116,834 2,665 SH   DFND 1 2,665 0 0
VERIZON COMMUNICATIONS INC COM COMMON STOCK 92343V104   1,162,110 30,606 SH   DFND 1 30,606 0 0
ALLEGHANY CORP COMMON STOCK 017175100   83,937 100 SH   DFND 1 100 0 0
SPDR SER TR BLOOMBERG 1-3 MO EXCHANGE-TRADED FUND 78468R663   231,748 2,530 SH   DFND 1 2,530 0 0
ADVANCED AUTO PARTS INC COMMON STOCK 00751Y106   21,106 135 SH   DFND 1 135 0 0
APPLE INC COM COMMON STOCK 037833100   1,485,926 10,752 SH   DFND 1 10,752 0 0
ABBVIE INC COM COMMON STOCK 00287Y109   144,142 1,074 SH   DFND 1 1,074 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100   14,998 155 SH   DFND 1 155 0 0
ACCENTURE PLC NON US EQUITY G1151C101   88,769 345 SH   DFND 1 345 0 0
ADOBE INC COM COMMON STOCK 00724F101   30,272 110 SH   DFND 1 110 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103   105,631 467 SH   DFND 1 467 0 0
AFLAC INC COMMON STOCK 001055102   12,364 220 SH   DFND 1 220 0 0
GALLAGHER ARTHUR J COMMON STOCK 363576109   9,417 55 SH   DFND 1 55 0 0
ALLSTATE CORP COM COMMON STOCK 020002101   66,250 532 SH   DFND 1 532 0 0
ALNYLAM PHARMACEUTICALS INC COMMON STOCK 02043Q107   80,264 401 SH   DFND 1 401 0 0
AMGEN INC COMMON STOCK 031162100   127,802 567 SH   DFND 1 567 0 0
AMERIPRISE FINANCIAL INC COMMON STOCK 03076C106   87,931 349 SH   DFND 1 349 0 0
AMERICAN TOWER CORP NEW COM REAL ESTATE INVESTMENT TRUST 03027X100   6,656 31 SH   DFND 1 31 0 0
AMAZON.COM INC COMMON STOCK 023135106   890,214 7,878 SH   DFND 1 7,878 0 0
APTIV PLC SHS NON US EQUITY G6095L109   84,780 1,084 SH   DFND 1 1,084 0 0
ASML HOLDING NV NON US EQUITY N07059210   6,230 15 SH   DFND 1 15 0 0
ATHENE HOLDING LTD PFD NON US PREFERRED STOCK 04686J309   12,408 492 SH   DFND 1 492 0 0
BROADCOM INC COM COMMON STOCK 11135F101   290,827 655 SH   DFND 1 655 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   2,159 16 SH   DFND 1 16 0 0
BOEING CO COMMON STOCK 097023105   24,216 200 SH   DFND 1 200 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104   74,805 2,477 SH   DFND 1 2,477 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100   62,942 1,634 SH   DFND 1 1,634 0 0
BOOKING HLDGS INC COM COMMON STOCK 09857L108   443,667 270 SH   DFND 1 270 0 0
BRISTOL-MYERS SQUIBB CO COMMON STOCK 110122108   20,829 293 SH   DFND 1 293 0 0
BROADRIDGE FINANCIAL SOLUTIONS COMMON STOCK 11133T103   67,975 471 SH   DFND 1 471 0 0
BRITISH AMERICAN TOBACCO PLC SPON ADR ADR / IDR / GDR 110448107   1,291,774 36,388 SH   DFND 1 36,388 0 0
CATERPILLAR INC COM COMMON STOCK 149123101   1,313,789 8,007 SH   DFND 1 8,007 0 0
CHEMOURS CO/THE COMMON STOCK 163851108   641 26 SH   DFND 1 26 0 0
CELANESE CORP DEL COM COMMON STOCK 150870103   44,718 495 SH   DFND 1 495 0 0
CF INDUSTRIES HLDGS COMMON STOCK 125269100   56,306 585 SH   DFND 1 585 0 0
CHARTER COMMUNICATIONS INC CLASS A COMMON STOCK 16119P108   2,123 7 SH   DFND 1 7 0 0
CHINA STL CORP SPON ADR ADR / IDR / GDR 169417102   34 2 SH   DFND 1 2 0 0
CME GROUP INC COMMON STOCK 12572Q105   10,628 60 SH   DFND 1 60 0 0
CUMMINS INC COMMON STOCK 231021106   57,186 281 SH   DFND 1 281 0 0
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105   59,357 644 SH   DFND 1 644 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   90,673 886 SH   DFND 1 886 0 0
CENCORA INC COM COMMON STOCK 03073E105   544,297 4,022 SH   DFND 1 4,022 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   484,077 1,025 SH   DFND 1 1,025 0 0
CSX CORP COMMON STOCK 126408103   168,365 6,320 SH   DFND 1 6,320 0 0
CINTAS CORP COMMON STOCK 172908105   15,528 40 SH   DFND 1 40 0 0
CVS HEALTH CORP COM COMMON STOCK 126650100   240,619 2,523 SH   DFND 1 2,523 0 0
CHEVRON CORP NEW COM COMMON STOCK 166764100   295,817 2,059 SH   DFND 1 2,059 0 0
DANAHER CORPORATION COM COMMON STOCK 235851102   91,176 353 SH   DFND 1 353 0 0
DISNEY WALT CO COM COMMON STOCK 254687106   158,946 1,685 SH   DFND 1 1,685 0 0
DICKS SPORTING GOODS INC COMMON STOCK 253393102   100,978 965 SH   DFND 1 965 0 0
DANIMER SCIENTIFIC INC COM CL A COMMON STOCK 236272100   1,475 500 SH   DFND 1 500 0 0
DOW INC COM COMMON STOCK 260557103   2,680 61 SH   DFND 1 61 0 0
DARDEN RESTAURANTS INC COM COMMON STOCK 237194105   120,762 956 SH   DFND 1 956 0 0
DTE ENERGY CO COM COMMON STOCK 233331107   55,454 482 SH   DFND 1 482 0 0
ISHARES SELECT DIVIDEND ETF EXCHANGE-TRADED FUND 464287168   2,681 25 SH   DFND 1 25 0 0
ECOLAB INC COM COMMON STOCK 278865100   116,980 810 SH   DFND 1 810 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104   1,647,107 19,206 SH   DFND 1 19,206 0 0
ELEVANCE HEALTH INC COM COMMON STOCK 036752103   504,206 1,110 SH   DFND 1 1,110 0 0
EPAM SYSTEMS INC COMMON STOCK 29414B104   237,959 657 SH   DFND 1 657 0 0
EVERSOURCE ENERGY COM COMMON STOCK 30040W108   7,016 90 SH   DFND 1 90 0 0
EATON CORP PLC NON US EQUITY G29183103   1,626,992 12,200 SH   DFND 1 12,200 0 0
EDWARDS LIFESCIENCES CORP COMMON STOCK 28176E108   13,634 165 SH   DFND 1 165 0 0
ISHARES MSCI HONG KONG ETF EXCHANGE-TRADED FUND 464286871   7,314 401 SH   DFND 1 401 0 0
FISERV INC COM COMMON STOCK 337738108   503,032 5,376 SH   DFND 1 5,376 0 0
FIDELITY NATL INFORMATION SVC COMMON STOCK 31620M106   473,522 6,266 SH   DFND 1 6,266 0 0
THE FIDELITY MSCI FINANCIALS INDEX ETF EXCHANGE-TRADED FUND 316092501   25,073 582 SH   DFND 1 582 0 0
FLOOR & DECOR HLDGS INC CL A COMMON STOCK 339750101   203,122 2,891 SH   DFND 1 2,891 0 0
GENERAL ELECTRIC CO COM NEW COMMON STOCK 369604301   6,562 106 SH   DFND 1 106 0 0
SPDR GOLD TRUST ETF EXCHANGE-TRADED FUND 78463V107   486,746 3,147 SH   DFND 1 3,147 0 0
ALPHABET INC CAP STK CL C COMMON STOCK 02079K107   49,998 520 SH   DFND 1 520 0 0
ALPHABET INC CL A COMMON STOCK 02079K305   1,492,140 15,600 SH   DFND 1 15,600 0 0
WW GRAINGER INC COMMON STOCK 384802104   29,351 60 SH   DFND 1 60 0 0
HASBRO INC COMMON STOCK 418056107   15,170 225 SH   DFND 1 225 0 0
HUNTINGTON BANCSHARES INC COMMON STOCK 446150104   17,332 1,315 SH   DFND 1 1,315 0 0
HCA HEALTHCARE INC COMMON STOCK 40412C101   16,541 90 SH   DFND 1 90 0 0
HOME DEPOT INC COMMON STOCK 437076102   430,190 1,559 SH   DFND 1 1,559 0 0
HP INC COM COMMON STOCK 40434L105   116,127 4,660 SH   DFND 1 4,660 0 0
HOST HOTELS & RESORTS INC REAL ESTATE INVESTMENT TRUST 44107P104   118,830 7,483 SH   DFND 1 7,483 0 0
ISHARES GOLD TR ISHARES NEW ETF EXCHANGE-TRADED FUND 464285204   989,790 31,392 SH   DFND 1 31,392 0 0
INTERNATIONAL BUSINESS MACHS COM COMMON STOCK 459200101   256,273 2,157 SH   DFND 1 2,157 0 0
iSHARES CORE MSCI EAFE ETF EXCHANGE-TRADED FUND 46432F842   120,772 2,293 SH   DFND 1 2,293 0 0
INTERNATIONAL FLAVORS & FRAGRANCES INC COMMON STOCK 459506101   3,906 43 SH   DFND 1 43 0 0
ISHARES CORE S&P MIDCAP ETF EXCHANGE-TRADED FUND 464287507   388,967 1,774 SH   DFND 1 1,774 0 0
INTEL CORP COMMON STOCK 458140100   904,682 35,106 SH   DFND 1 35,106 0 0
INTUIT INC COMMON STOCK 461202103   30,986 80 SH   DFND 1 80 0 0
IONIS PHARMACEUTICALS INC COMMON STOCK 462222100   49,803 1,126 SH   DFND 1 1,126 0 0
IQVIA HLDGS INC COM COMMON STOCK 46266C105   733,617 4,050 SH   DFND 1 4,050 0 0
ISHARES TR CORE S&P500 ETF EXCHANGE-TRADED FUND 464287200   6,430,236 17,929 SH   DFND 1 17,929 0 0
ISHARES RUSSELL 2000 ETF EXCHANGE-TRADED FUND 464287655   142,491 864 SH   DFND 1 864 0 0
ISHARES RUSSELL 2000 VALUE ETF EXCHANGE-TRADED FUND 464287630   35,198 273 SH   DFND 1 273 0 0
ISHARES RUSSELL 2000 GROWTH ETF EXCHANGE-TRADED FUND 464287648   353,062 1,709 SH   DFND 1 1,709 0 0
ISHARES RUSSELL MIDCAP ETF EXCHANGE-TRADED FUND 464287499   228,774 3,681 SH   DFND 1 3,681 0 0
ISHARES RUSSELL MIDCAP VALUE ETF EXCHANGE-TRADED FUND 464287473   39,573 412 SH   DFND 1 412 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   120,886 740 SH   DFND 1 740 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100   270,969 2,593 SH   DFND 1 2,593 0 0
KYNDRYL HLDGS INC COMMON STOCK COMMON STOCK 50155Q100   190 23 SH   DFND 1 23 0 0
KEYSIGHT TECHNOLOGIES INC COMMON STOCK 49338L103   59,167 376 SH   DFND 1 376 0 0
KLA CORPORATION COM COMMON STOCK 482480100   167,960 555 SH   DFND 1 555 0 0
CARMAX INC COMMON STOCK 143130102   288,111 4,364 SH   DFND 1 4,364 0 0
COCA COLA CO COM COMMON STOCK 191216100   1,687,995 30,132 SH   DFND 1 30,132 0 0
KOHLS CORP COMMON STOCK 500255104   7,922 315 SH   DFND 1 315 0 0
LITTELFUSE INC COMMON STOCK 537008104   95,769 482 SH   DFND 1 482 0 0
LKQ CORP COMMON STOCK 501889208   88,312 1,873 SH   DFND 1 1,873 0 0
LILLY ELI & CO COM COMMON STOCK 532457108   226,992 702 SH   DFND 1 702 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109   15,452 40 SH   DFND 1 40 0 0
ALLIANT ENERGY CORPORATION COMMON STOCK 018802108   1,497,921 28,268 SH   DFND 1 28,268 0 0
LOWES COMPANIES INC COMMON STOCK 548661107   97,286 518 SH   DFND 1 518 0 0
LPL FINANCIAL HOLDINGS INC COMMON STOCK 50212V100   143,104 655 SH   DFND 1 655 0 0
LYONDELLBASELL INDUSTRIES CL A NON US EQUITY N53745100   1,218,181 16,182 SH   DFND 1 16,182 0 0
LYFT INC CL A COM COMMON STOCK 55087P104   69,222 5,256 SH   DFND 1 5,256 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104   1,327,583 4,669 SH   DFND 1 4,669 0 0
MID-AMERICA APARTMENT COMM REAL ESTATE INVESTMENT TRUST 59522J103   11,630 75 SH   DFND 1 75 0 0
MARRIOT INTERNATIONAL CL A COMMON STOCK 571903202   121,922 870 SH   DFND 1 870 0 0
MASCO CORP COMMON STOCK 574599106   9,338 200 SH   DFND 1 200 0 0
MASIMO CORPORATION COMMON STOCK 574795100   149,206 1,057 SH   DFND 1 1,057 0 0
MCDONALDS CORP COMMON STOCK 580135101   1,638,715 7,102 SH   DFND 1 7,102 0 0
MCKESSON CORP COMMON STOCK 58155Q103   81,569 240 SH   DFND 1 240 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105   105,548 1,925 SH   DFND 1 1,925 0 0
SPDR S&P MIDCAP 400 ETF TRUS EXCHANGE-TRADED FUND 78467Y107   290,802 724 SH   DFND 1 724 0 0
METLIFE INC COMMON STOCK 59156R108   71,720 1,180 SH   DFND 1 1,180 0 0
META PLATFORMS INC CL A COM COMMON STOCK 30303M102   524,810 3,868 SH   DFND 1 3,868 0 0
3M CO COM COMMON STOCK 88579Y101   1,237,048 11,195 SH   DFND 1 11,195 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   25,520 632 SH   DFND 1 632 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102   21,356 215 SH   DFND 1 215 0 0
MICROSOFT CORP COM COMMON STOCK 594918104   1,291,431 5,545 SH   DFND 1 5,545 0 0
NEXTERA ENERGY INC COM COMMON STOCK 65339F101   70,569 900 SH   DFND 1 900 0 0
NETFLIX INC COMMON STOCK 64110L106   157,980 671 SH   DFND 1 671 0 0
NIKE INC CL B COM COMMON STOCK 654106103   27,845 335 SH   DFND 1 335 0 0
NNN REIT INC COM REAL ESTATE INVESTMENT TRUST 637417106   7,573 190 SH   DFND 1 190 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102   9,406 20 SH   DFND 1 20 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   24,739 118 SH   DFND 1 118 0 0
NVIDIA CORP COMMON STOCK 67066G104   24,278 200 SH   DFND 1 200 0 0
NOVARTIS AG SPON ADR ADR / IDR / GDR 66987V109   14,822 195 SH   DFND 1 195 0 0
OLD DOMINION FREIGHT LINE COMMON STOCK 679580100   133,092 535 SH   DFND 1 535 0 0
ISHARES S&P 100 ETF EXCHANGE-TRADED FUND 464287101   77,188 475 SH   DFND 1 475 0 0
ORGANON & CO COMMON STOCK COM COMMON STOCK 68622V106   842 36 SH   DFND 1 36 0 0
OMEGA HEALTHCARE INVESTORS REAL ESTATE INVESTMENT TRUST 681936100   18,874 640 SH   DFND 1 640 0 0
ON SEMICONDUCTOR CORP COM COMMON STOCK 682189105   323,804 5,195 SH   DFND 1 5,195 0 0
ORACLE CORP COMMON STOCK 68389X105   4,825 79 SH   DFND 1 79 0 0
PAYCOM SOFTWARE INC COMMON STOCK 70432V102   261,682 793 SH   DFND 1 793 0 0
PAYCHEX INC COMMON STOCK 704326107   1,733,083 15,445 SH   DFND 1 15,445 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106   70,625 1,256 SH   DFND 1 1,256 0 0
PEPSICO INC COM COMMON STOCK 713448108   41,468 254 SH   DFND 1 254 0 0
PFIZER INC COM COMMON STOCK 717081103   1,878,398 42,925 SH   DFND 1 42,925 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   65,524 519 SH   DFND 1 519 0 0
INVESCO EXCHNG TRADED FD TR II PFD ETF EXCHANGE-TRADED FUND 46138E511   450,787 37,945 SH   DFND 1 37,945 0 0
PROLOGIS INC REAL ESTATE INVESTMENT TRUST 74340W103   10,262 101 SH   DFND 1 101 0 0
PHILIP MORRIS INTL INC COM COMMON STOCK 718172109   190,342 2,293 SH   DFND 1 2,293 0 0
PNC FINANCIAL SERVICES GROUP INC COMMON STOCK 693475105   14,942 100 SH   DFND 1 100 0 0
PRIMERICA INC COMMON STOCK 74164M108   99,871 809 SH   DFND 1 809 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   1,406,363 16,395 SH   DFND 1 16,395 0 0
PHILLIPS 66 COM COMMON STOCK 718546104   7,749 96 SH   DFND 1 96 0 0
QUANTA SERVICES INC COMMON STOCK 74762E102   53,376 419 SH   DFND 1 419 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103   61,540 715 SH   DFND 1 715 0 0
ROBLOX CORP CL A COM COMMON STOCK 771049103   319,514 8,915 SH   DFND 1 8,915 0 0
REGENERON PHARMACEUTICALS COMMON STOCK 75886F107   89,553 130 SH   DFND 1 130 0 0
RH COMMON STOCK 74967X103   52,905 215 SH   DFND 1 215 0 0
ROBERT HALF INC COM COMMON STOCK 770323103   99,833 1,305 SH   DFND 1 1,305 0 0
ROPER TECHNOLOGIES INC COM COMMON STOCK 776696106   57,902 161 SH   DFND 1 161 0 0
RTX CORPORATION COM COMMON STOCK 75513E101   14,735 180 SH   DFND 1 180 0 0
SHELL PLC SPON ADS ADR ADR / IDR / GDR 780259305   149,579 3,006 SH   DFND 1 3,006 0 0
SHERWIN WILLIAMS CO COMMON STOCK 824348106   216,216 1,056 SH   DFND 1 1,056 0 0
SOUTHERN CO COM COMMON STOCK 842587107   1,612,960 23,720 SH   DFND 1 23,720 0 0
S&P GLOBAL INC COM COMMON STOCK 78409V104   153,286 502 SH   DFND 1 502 0 0
S&P 500 DR (SPDRS) EXCHANGE-TRADED FUND 78462F103   331,820 929 SH   DFND 1 929 0 0
SPDR SERIES TRUST PRTFLO S&P500 GW ETF EXCHANGE-TRADED FUND 78464A409   300,199 5,992 SH   DFND 1 5,992 0 0
SEMPRA COM COMMON STOCK 816851109   16,493 110 SH   DFND 1 110 0 0
STATE STREET CORP COMMON STOCK 857477103   13,378 220 SH   DFND 1 220 0 0
CONSTELLATION BRANDS INC CL A COMMON STOCK 21036P108   100,600 438 SH   DFND 1 438 0 0
STANLEY BLACK & DECKER INC COMMON STOCK 854502101   40,839 543 SH   DFND 1 543 0 0
STRYKER CORPORATION COM COMMON STOCK 863667101   119,701 591 SH   DFND 1 591 0 0
AT&T INC. COMMON STOCK 00206R102   153,584 10,012 SH   DFND 1 10,012 0 0
TRUIST FINL CORP COM COMMON STOCK 89832Q109   170,677 3,920 SH   DFND 1 3,920 0 0
TARGET CORP COMMON STOCK 87612E106   178,068 1,200 SH   DFND 1 1,200 0 0
THERMO FISHER SCIENTIFIC INC COM COMMON STOCK 883556102   82,672 163 SH   DFND 1 163 0 0
TRANSUNION COMMON STOCK 89400J107   4,759 80 SH   DFND 1 80 0 0
TRACTOR SUPPLY CO COMMON STOCK 892356106   19,517 105 SH   DFND 1 105 0 0
TAIWAN SEMICONDUCTOR SPONS ADR ADR / IDR / GDR 874039100   404,915 5,906 SH   DFND 1 5,906 0 0
TYSON FOODS INC CL A COMMON STOCK 902494103   68,699 1,042 SH   DFND 1 1,042 0 0
THE TRADE DESK INC-CLASS A COMMON STOCK 88339J105   290,086 4,855 SH   DFND 1 4,855 0 0
TTEC HLDGS INC COM COMMON STOCK 89854H102   53,615 1,210 SH   DFND 1 1,210 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   14,549 94 SH   DFND 1 94 0 0
UBER TECHNOLOGIES INC COM COMMON STOCK 90353T100   159,159 6,006 SH   DFND 1 6,006 0 0
UGI CORP NEW (HOLDING CO) COMMON STOCK 902681105   16,650 515 SH   DFND 1 515 0 0
ULTA BEAUTY INC COMMON STOCK 90384S303   79,436 198 SH   DFND 1 198 0 0
UNITEDHEALTH GROUP INC COM COMMON STOCK 91324P102   789,378 1,563 SH   DFND 1 1,563 0 0
UNION PACIFIC CORP COM COMMON STOCK 907818108   50,653 260 SH   DFND 1 260 0 0
UNITED PARCEL SERVICE INC CL B COMMON STOCK 911312106   1,654,654 10,243 SH   DFND 1 10,243 0 0
U S BANCORP NEW COMMON STOCK 902973304   141,765 3,516 SH   DFND 1 3,516 0 0
VISA INC COM CL A COMMON STOCK 92826C839   470,595 2,649 SH   DFND 1 2,649 0 0
VANGUARD INDEX FDS SMALL CP ETF EXCHANGE-TRADED FUND 922908751   450,861 2,638 SH   DFND 1 2,638 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF EXCHANGE-TRADED FUND 921943858   68,539 1,885 SH   DFND 1 1,885 0 0
VANGUARD FINANCIALS ETF EXCHANGE-TRADED FUND 92204A405   26,426 355 SH   DFND 1 355 0 0
VANGUARD INFORMATION TECHNOLOGY INDEX EXCHANGE-TRADED FUND 92204A702   37,192 121 SH   DFND 1 121 0 0
VANGUARD HEALTH CARE EXCHANGE-TRADED FUND 92204A504   14,764 66 SH   DFND 1 66 0 0
VANGUARD DIVIDEND APPRECIATION ETF EXCHANGE-TRADED FUND 921908844   13,921 103 SH   DFND 1 103 0 0
VALERO ENERGY CORP NEW COMMON STOCK 91913Y100   59,515 557 SH   DFND 1 557 0 0
VANGUARD INDEX FDS REAL ESTATE ETF EXCHANGE-TRADED FUND 922908553   73,356 915 SH   DFND 1 915 0 0
VERISIGN INC COMMON STOCK 92343E102   16,154 93 SH   DFND 1 93 0 0
VANGUARD TOTAL STOCK MARKET ETF EXCHANGE-TRADED FUND 922908769   315,867 1,760 SH   DFND 1 1,760 0 0
VIATRIS INC COM COMMON STOCK 92556V106   1,440 169 SH   DFND 1 169 0 0
VANGUARD VALUE ETF EXCHANGE-TRADED FUND 922908744   459,963 3,725 SH   DFND 1 3,725 0 0
VANGUARD GROWTH ETF EXCHANGE-TRADED FUND 922908736   218,871 1,023 SH   DFND 1 1,023 0 0
VANGUARD INTL EQUITY INDEX FDS FTSE ETF EXCHANGE-TRADED FUND 922042858   49,809 1,365 SH   DFND 1 1,365 0 0
VANGUARD TOTAL INTL STOCK ET EXCHANGE-TRADED FUND 921909768   326,844 7,141 SH   DFND 1 7,141 0 0
VANGUARD HIGH DIVIDEND YIELD ETF EXCHANGE-TRADED FUND 921946406   370,696 3,907 SH   DFND 1 3,907 0 0
WABTEC CORP COMMON STOCK 929740108   54,911 675 SH   DFND 1 675 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108   83,398 2,656 SH   DFND 1 2,656 0 0
WARNER BROS DISCOVERY INC COM SER A COMMON STOCK 934423104   3,094 269 SH   DFND 1 269 0 0
WORKDAY INC COM CL A COMMON STOCK 98138H101   15,222 100 SH   DFND 1 100 0 0
WELLS FARGO CO NEW COM COMMON STOCK 949746101   8,285 206 SH   DFND 1 206 0 0
WHIRLPOOL CORP COM COMMON STOCK 963320106   14,155 105 SH   DFND 1 105 0 0
WASTE MGMT INC DEL COM COMMON STOCK 94106L109   1,898,328 11,849 SH   DFND 1 11,849 0 0
WESTBURY METALS GRP COM COMMON STOCK 957289101   0 1,000 SH   DFND 1 1,000 0 0
WALMART INC COMMON STOCK 931142103   84,824 654 SH   DFND 1 654 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102   22,439 257 SH   DFND 1 257 0 0
YUM BRANDS INC COMMON STOCK 988498101   22,650 213 SH   DFND 1 213 0 0
YUM CHINA HOLDINGS INC COMMON STOCK 98850P109   10,081 213 SH   DFND 1 213 0 0
ZEBRA TECH CORP CL A COMMON STOCK 989207105   64,192 245 SH   DFND 1 245 0 0
ZOETIS INC CL A COM COMMON STOCK 98978V103   245,420 1,655 SH   DFND 1 1,655 0 0
CHINA MED TECH INC ADR COMMON STOCK 169483104   256 100 SH   DFND 1 100 0 0
VANGUARD INTERMEDIATE TERM BD ETF EXCHANGE-TRADED FUND 921937819   173,266 2,358 SH   DFND 1 2,358 0 0
INVESCO ETF TR II S&P GBL WATER EXCHANGE-TRADED FUND 46138E263   60,564 1,475 SH   DFND 1 1,475 0 0
SPDR SER TR BLOOMBERG CONV EXCHANGE-TRADED FUND 78464A359   150,591 2,379 SH   DFND 1 2,379 0 0
SPDR SER TR BLOOMBERG INVT EXCHANGE-TRADED FUND 78468R200   91,658 3,025 SH   DFND 1 3,025 0 0
ISHARES TR IBOXX HI YD ETF EXCHANGE-TRADED FUND 464288513   17,134 240 SH   DFND 1 240 0 0
ISHARES TR IBONDS 23 TRM TS ETF EXCHANGE-TRADED FUND 46436E882   1,089,880 44,000 SH   DFND 1 44,000 0 0
ISHARES TR NATIONAL MUN ETF EXCHANGE-TRADED FUND 464288414   148,741 1,450 SH   DFND 1 1,450 0 0
ISHARES TR PFD AND INCM SEC EXCHANGE-TRADED FUND 464288687   51,780 1,635 SH   DFND 1 1,635 0 0
SPDR SER TR NUVEEN BLMBRG SH EXCHANGE-TRADED FUND 78468R739   55,308 1,200 SH   DFND 1 1,200 0 0
ISHARES 1-3 YEAR TREASURY BOND ETF EXCHANGE-TRADED FUND 464287457   511,217 6,295 SH   DFND 1 6,295 0 0
SPDR SERIES TRUST PORTFOLIO SHORT ETF EXCHANGE-TRADED FUND 78464A474   555,005 18,994 SH   DFND 1 18,994 0 0
ISHARES 0 5 YEAR TIPS BOND ETF EXCHANGE-TRADED FUND 46429B747   15,666 163 SH   DFND 1 163 0 0
SPDR DOUBLELINE TR TACT ETF EXCHANGE-TRADED FUND 78467V848   562,239 13,993 SH   DFND 1 13,993 0 0
ISHARES TR IBONDS 22 TRM TS ETF EXCHANGE-TRADED FUND 46436E809   902,615 35,550 SH   DFND 1 35,550 0 0