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   161,677 3,172 SH   DFND 1 3,172 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW COM COMMON STOCK 084670702   23,504,190 76,122 SH   DFND 1 76,122 0 0
COMCAST CORP CL A (NEW) COMMON STOCK 20030N101   89,278 2,355 SH   DFND 1 2,355 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102   2,067,111 39,543 SH   DFND 1 39,543 0 0
CORTEVA INC COM COMMON STOCK 22052L104   110,669 1,835 SH   DFND 1 1,835 0 0
DUPONT DE NEMOURS INC COM COMMON STOCK 26614N102   139,162 1,939 SH   DFND 1 1,939 0 0
ENBRIDGE INC COM NON US EQUITY 29250N105   2,930,149 76,806 SH   DFND 1 76,806 0 0
EOG RESOURCES INC COMMON STOCK 26875P101   68,778 600 SH   DFND 1 600 0 0
EQUITY COMMONWEALTH REAL ESTATE INVESTMENT TRUST 294628102   92,160 4,450 SH   DFND 1 4,450 0 0
BARRICK GOLD CORP NON US EQUITY 067901108   54,317 2,925 SH   DFND 1 2,925 0 0
INGREDION INC COMMON STOCK 457187102   82,910 815 SH   DFND 1 815 0 0
LOEWS CORP COM COMMON STOCK 540424108   135,477 2,335 SH   DFND 1 2,335 0 0
MEDTRONIC PLC NON US EQUITY G5960L103   228,558 2,835 SH   DFND 1 2,835 0 0
MERCK & CO INC COMMON STOCK 58933Y105   2,334,409 21,942 SH   DFND 1 21,942 0 0
STARBUCKS CORP COMMON STOCK 855244109   171,919 1,651 SH   DFND 1 1,651 0 0
TJX COS INC NEW COM COMMON STOCK 872540109   23,978 306 SH   DFND 1 306 0 0
THE TRAVELERS COMPANIES INC COMMON STOCK 89417E109   167,982 980 SH   DFND 1 980 0 0
UNILEVER PLC SPON ADR NEW ADR / IDR / GDR 904767704   135,018 2,600 SH   DFND 1 2,600 0 0
VERIZON COMMUNICATIONS INC COM COMMON STOCK 92343V104   1,272,209 32,713 SH   DFND 1 32,713 0 0
APPLE INC COM COMMON STOCK 037833100   1,999,083 12,123 SH   DFND 1 12,123 0 0
ABBVIE INC COM COMMON STOCK 00287Y109   171,163 1,074 SH   DFND 1 1,074 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100   15,695 155 SH   DFND 1 155 0 0
ACCENTURE PLC NON US EQUITY G1151C101   245,797 860 SH   DFND 1 860 0 0
ADOBE INC COM COMMON STOCK 00724F101   55,879 145 SH   DFND 1 145 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103   124,005 557 SH   DFND 1 557 0 0
GALLAGHER ARTHUR J COMMON STOCK 363576109   10,522 55 SH   DFND 1 55 0 0
ALLSTATE CORP COM COMMON STOCK 020002101   57,843 522 SH   DFND 1 522 0 0
ALNYLAM PHARMACEUTICALS INC COMMON STOCK 02043Q107   80,328 401 SH   DFND 1 401 0 0
AMERIPRISE FINANCIAL INC COMMON STOCK 03076C106   94,709 309 SH   DFND 1 309 0 0
AMERICAN TOWER CORP NEW COM REAL ESTATE INVESTMENT TRUST 03027X100   6,335 31 SH   DFND 1 31 0 0
AMAZON.COM INC COMMON STOCK 023135106   777,051 7,523 SH   DFND 1 7,523 0 0
APTIV PLC SHS NON US EQUITY G6095L109   135,638 1,209 SH   DFND 1 1,209 0 0
ASML HOLDING NV NON US EQUITY N07059210   10,211 15 SH   DFND 1 15 0 0
ACTIVISION BLIZZARD INC COMMON STOCK 00507V109   36,804 430 SH   DFND 1 430 0 0
BROADCOM INC COM COMMON STOCK 11135F101   420,209 655 SH   DFND 1 655 0 0
BOEING CO COMMON STOCK 097023105   42,486 200 SH   DFND 1 200 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104   71,700 2,507 SH   DFND 1 2,507 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100   74,249 1,634 SH   DFND 1 1,634 0 0
BOOKING HLDGS INC COM COMMON STOCK 09857L108   787,766 297 SH   DFND 1 297 0 0
BRISTOL-MYERS SQUIBB CO COMMON STOCK 110122108   20,308 293 SH   DFND 1 293 0 0
BROADRIDGE FINANCIAL SOLUTIONS COMMON STOCK 11133T103   69,034 471 SH   DFND 1 471 0 0
BRITISH AMERICAN TOBACCO PLC SPON ADR ADR / IDR / GDR 110448107   72,909 2,076 SH   DFND 1 2,076 0 0
CATERPILLAR INC COM COMMON STOCK 149123101   1,785,867 7,804 SH   DFND 1 7,804 0 0
CELANESE CORP DEL COM COMMON STOCK 150870103   57,712 530 SH   DFND 1 530 0 0
CF INDUSTRIES HLDGS COMMON STOCK 125269100   36,245 500 SH   DFND 1 500 0 0
CHURCHILL DOWNS INCORPORATED COMMON STOCK 171484108   96,394 375 SH   DFND 1 375 0 0
CHARTER COMMUNICATIONS INC CLASS A COMMON STOCK 16119P108   2,503 7 SH   DFND 1 7 0 0
CHINA STL CORP SPON ADR ADR / IDR / GDR 169417102   41 2 SH   DFND 1 2 0 0
CME GROUP INC COMMON STOCK 12572Q105   11,491 60 SH   DFND 1 60 0 0
CUMMINS INC COMMON STOCK 231021106   61,153 256 SH   DFND 1 256 0 0
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105   66,735 694 SH   DFND 1 694 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104   75,995 766 SH   DFND 1 766 0 0
CENCORA INC COM COMMON STOCK 03073E105   646,364 4,037 SH   DFND 1 4,037 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105   184,836 372 SH   DFND 1 372 0 0
CSX CORP COMMON STOCK 126408103   189,221 6,320 SH   DFND 1 6,320 0 0
CINTAS CORP COMMON STOCK 172908105   18,507 40 SH   DFND 1 40 0 0
CVS HEALTH CORP COM COMMON STOCK 126650100   184,883 2,488 SH   DFND 1 2,488 0 0
CHEVRON CORP NEW COM COMMON STOCK 166764100   329,420 2,019 SH   DFND 1 2,019 0 0
DANAHER CORPORATION COM COMMON STOCK 235851102   82,669 328 SH   DFND 1 328 0 0
DISNEY WALT CO COM COMMON STOCK 254687106   157,204 1,570 SH   DFND 1 1,570 0 0
DICKS SPORTING GOODS INC COMMON STOCK 253393102   134,796 950 SH   DFND 1 950 0 0
DANIMER SCIENTIFIC INC COM CL A COMMON STOCK 236272100   1,725 500 SH   DFND 1 500 0 0
DARDEN RESTAURANTS INC COM COMMON STOCK 237194105   141,351 911 SH   DFND 1 911 0 0
DTE ENERGY CO COM COMMON STOCK 233331107   56,632 517 SH   DFND 1 517 0 0
ECOLAB INC COM COMMON STOCK 278865100   22,512 136 SH   DFND 1 136 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104   1,802,997 18,846 SH   DFND 1 18,846 0 0
ELEVANCE HEALTH INC COM COMMON STOCK 036752103   512,688 1,115 SH   DFND 1 1,115 0 0
EVERSOURCE ENERGY COM COMMON STOCK 30040W108   7,043 90 SH   DFND 1 90 0 0
EATON CORP PLC NON US EQUITY G29183103   2,020,099 11,790 SH   DFND 1 11,790 0 0
EDWARDS LIFESCIENCES CORP COMMON STOCK 28176E108   13,650 165 SH   DFND 1 165 0 0
ISHARES MSCI HONG KONG ETF EXCHANGE-TRADED FUND 464286871   8,241 401 SH   DFND 1 401 0 0
FISERV INC COM COMMON STOCK 337738108   598,042 5,291 SH   DFND 1 5,291 0 0
FIDELITY NATL INFORMATION SVC COMMON STOCK 31620M106   345,593 6,361 SH   DFND 1 6,361 0 0
THE FIDELITY MSCI FINANCIALS INDEX ETF EXCHANGE-TRADED FUND 316092501   26,248 582 SH   DFND 1 582 0 0
FLOOR & DECOR HLDGS INC CL A COMMON STOCK 339750101   283,954 2,891 SH   DFND 1 2,891 0 0
SPDR GOLD TRUST ETF EXCHANGE-TRADED FUND 78463V107   576,593 3,147 SH   DFND 1 3,147 0 0
ALPHABET INC CAP STK CL C COMMON STOCK 02079K107   65,520 630 SH   DFND 1 630 0 0
ALPHABET INC CL A COMMON STOCK 02079K305   1,765,485 17,020 SH   DFND 1 17,020 0 0
GRAPHIC PACKAGING HOLDING COMPANY COMMON STOCK 388689101   108,460 4,255 SH   DFND 1 4,255 0 0
WW GRAINGER INC COMMON STOCK 384802104   48,217 70 SH   DFND 1 70 0 0
HASBRO INC COMMON STOCK 418056107   12,080 225 SH   DFND 1 225 0 0
HUNTINGTON BANCSHARES INC COMMON STOCK 446150104   12,712 1,135 SH   DFND 1 1,135 0 0
HCA HEALTHCARE INC COMMON STOCK 40412C101   23,731 90 SH   DFND 1 90 0 0
HOME DEPOT INC COMMON STOCK 437076102   380,410 1,289 SH   DFND 1 1,289 0 0
HP INC COM COMMON STOCK 40434L105   152,620 5,200 SH   DFND 1 5,200 0 0
HOST HOTELS & RESORTS INC REAL ESTATE INVESTMENT TRUST 44107P104   112,346 6,813 SH   DFND 1 6,813 0 0
ISHARES GOLD TR ISHARES NEW ETF EXCHANGE-TRADED FUND 464285204   1,173,119 31,392 SH   DFND 1 31,392 0 0
INTERNATIONAL BUSINESS MACHS COM COMMON STOCK 459200101   275,944 2,105 SH   DFND 1 2,105 0 0
INTEL CORP COMMON STOCK 458140100   1,270,504 38,889 SH   DFND 1 38,889 0 0
INTUIT INC COMMON STOCK 461202103   69,104 155 SH   DFND 1 155 0 0
IONIS PHARMACEUTICALS INC COMMON STOCK 462222100   40,422 1,131 SH   DFND 1 1,131 0 0
IQVIA HLDGS INC COM COMMON STOCK 46266C105   808,488 4,065 SH   DFND 1 4,065 0 0
ISHARES TR CORE S&P500 ETF EXCHANGE-TRADED FUND 464287200   7,370,253 17,929 SH   DFND 1 17,929 0 0
ISHARES RUSSELL 2000 ETF EXCHANGE-TRADED FUND 464287655   154,138 864 SH   DFND 1 864 0 0
ISHARES RUSSELL 2000 VALUE ETF EXCHANGE-TRADED FUND 464287630   37,406 273 SH   DFND 1 273 0 0
ISHARES RUSSELL 2000 GROWTH ETF EXCHANGE-TRADED FUND 464287648   96,172 424 SH   DFND 1 424 0 0
ISHARES RUSSELL MIDCAP ETF EXCHANGE-TRADED FUND 464287499   257,376 3,681 SH   DFND 1 3,681 0 0
ISHARES RUSSELL MIDCAP VALUE ETF EXCHANGE-TRADED FUND 464287473   38,444 362 SH   DFND 1 362 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   113,150 730 SH   DFND 1 730 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100   339,848 2,608 SH   DFND 1 2,608 0 0
KEYSIGHT TECHNOLOGIES INC COMMON STOCK 49338L103   60,716 376 SH   DFND 1 376 0 0
KLA CORPORATION COM COMMON STOCK 482480100   194,795 488 SH   DFND 1 488 0 0
CARMAX INC COMMON STOCK 143130102   283,411 4,409 SH   DFND 1 4,409 0 0
COCA COLA CO COM COMMON STOCK 191216100   1,841,361 29,685 SH   DFND 1 29,685 0 0
LITTELFUSE INC COMMON STOCK 537008104   129,219 482 SH   DFND 1 482 0 0
LKQ CORP COMMON STOCK 501889208   117,380 2,068 SH   DFND 1 2,068 0 0
LILLY ELI & CO COM COMMON STOCK 532457108   299,462 872 SH   DFND 1 872 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109   18,909 40 SH   DFND 1 40 0 0
ALLIANT ENERGY CORPORATION COMMON STOCK 018802108   1,521,046 28,484 SH   DFND 1 28,484 0 0
LANTHEUS HLDGS INC COM COMMON STOCK 516544103   118,886 1,440 SH   DFND 1 1,440 0 0
LOWES COMPANIES INC COMMON STOCK 548661107   104,584 523 SH   DFND 1 523 0 0
LPL FINANCIAL HOLDINGS INC COMMON STOCK 50212V100   130,548 645 SH   DFND 1 645 0 0
LYONDELLBASELL INDUSTRIES CL A NON US EQUITY N53745100   1,537,261 16,373 SH   DFND 1 16,373 0 0
LYFT INC CL A COM COMMON STOCK 55087P104   49,187 5,306 SH   DFND 1 5,306 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104   1,720,383 4,734 SH   DFND 1 4,734 0 0
MID-AMERICA APARTMENT COMM REAL ESTATE INVESTMENT TRUST 59522J103   11,328 75 SH   DFND 1 75 0 0
MARRIOT INTERNATIONAL CL A COMMON STOCK 571903202   144,455 870 SH   DFND 1 870 0 0
MASCO CORP COMMON STOCK 574599106   9,944 200 SH   DFND 1 200 0 0
MASIMO CORPORATION COMMON STOCK 574795100   195,059 1,057 SH   DFND 1 1,057 0 0
MCDONALDS CORP COMMON STOCK 580135101   1,943,290 6,950 SH   DFND 1 6,950 0 0
MCKESSON CORP COMMON STOCK 58155Q103   167,700 471 SH   DFND 1 471 0 0
SPDR S&P MIDCAP 400 ETF TRUS EXCHANGE-TRADED FUND 78467Y107   313,552 684 SH   DFND 1 684 0 0
METLIFE INC COMMON STOCK 59156R108   202,037 3,487 SH   DFND 1 3,487 0 0
META PLATFORMS INC CL A COM COMMON STOCK 30303M102   830,381 3,918 SH   DFND 1 3,918 0 0
3M CO COM COMMON STOCK 88579Y101   1,222,219 11,628 SH   DFND 1 11,628 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   28,200 632 SH   DFND 1 632 0 0
MARATHON PETROLEUM CORP COMMON STOCK 56585A102   18,876 140 SH   DFND 1 140 0 0
MICROSOFT CORP COM COMMON STOCK 594918104   1,628,895 5,650 SH   DFND 1 5,650 0 0
NEXTERA ENERGY INC COM COMMON STOCK 65339F101   69,372 900 SH   DFND 1 900 0 0
NETFLIX INC COMMON STOCK 64110L106   231,817 671 SH   DFND 1 671 0 0
NIKE INC CL B COM COMMON STOCK 654106103   53,348 435 SH   DFND 1 435 0 0
NNN REIT INC COM REAL ESTATE INVESTMENT TRUST 637417106   8,389 190 SH   DFND 1 190 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102   9,234 20 SH   DFND 1 20 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108   25,016 118 SH   DFND 1 118 0 0
NVIDIA CORP COMMON STOCK 67066G104   55,554 200 SH   DFND 1 200 0 0
NOVARTIS AG SPON ADR ADR / IDR / GDR 66987V109   17,940 195 SH   DFND 1 195 0 0
OLD DOMINION FREIGHT LINE COMMON STOCK 679580100   182,349 535 SH   DFND 1 535 0 0
ISHARES S&P 100 ETF EXCHANGE-TRADED FUND 464287101   88,844 475 SH   DFND 1 475 0 0
OMEGA HEALTHCARE INVESTORS REAL ESTATE INVESTMENT TRUST 681936100   13,842 505 SH   DFND 1 505 0 0
ON SEMICONDUCTOR CORP COM COMMON STOCK 682189105   380,318 4,620 SH   DFND 1 4,620 0 0
ORACLE CORP COMMON STOCK 68389X105   7,341 79 SH   DFND 1 79 0 0
PAYCOM SOFTWARE INC COMMON STOCK 70432V102   239,560 788 SH   DFND 1 788 0 0
PAYCHEX INC COMMON STOCK 704326107   1,761,134 15,369 SH   DFND 1 15,369 0 0
PACCAR INC COMMON STOCK 693718108   18,080 247 SH   DFND 1 247 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106   80,623 1,291 SH   DFND 1 1,291 0 0
PEPSICO INC COM COMMON STOCK 713448108   46,304 254 SH   DFND 1 254 0 0
PFIZER INC COM COMMON STOCK 717081103   1,739,957 42,646 SH   DFND 1 42,646 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109   202,813 1,364 SH   DFND 1 1,364 0 0
INVESCO EXCHNG TRADED FD TR II PFD ETF EXCHANGE-TRADED FUND 46138E511   446,055 38,855 SH   DFND 1 38,855 0 0
PACKAGING CORP OF AMERICA COMMON STOCK 695156109   1,532,683 11,040 SH   DFND 1 11,040 0 0
PROLOGIS INC REAL ESTATE INVESTMENT TRUST 74340W103   12,602 101 SH   DFND 1 101 0 0
PHILIP MORRIS INTL INC COM COMMON STOCK 718172109   222,994 2,293 SH   DFND 1 2,293 0 0
PNC FINANCIAL SERVICES GROUP INC COMMON STOCK 693475105   12,710 100 SH   DFND 1 100 0 0
PRIMERICA INC COMMON STOCK 74164M108   139,342 809 SH   DFND 1 809 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   1,351,558 16,335 SH   DFND 1 16,335 0 0
QUANTA SERVICES INC COMMON STOCK 74762E102   69,822 419 SH   DFND 1 419 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103   54,297 715 SH   DFND 1 715 0 0
ROBLOX CORP CL A COM COMMON STOCK 771049103   402,796 8,955 SH   DFND 1 8,955 0 0
REGENERON PHARMACEUTICALS COMMON STOCK 75886F107   86,275 105 SH   DFND 1 105 0 0
RH COMMON STOCK 74967X103   52,363 215 SH   DFND 1 215 0 0
ROPER TECHNOLOGIES INC COM COMMON STOCK 776696106   70,951 161 SH   DFND 1 161 0 0
RTX CORPORATION COM COMMON STOCK 75513E101   17,627 180 SH   DFND 1 180 0 0
SHELL PLC SPON ADS ADR ADR / IDR / GDR 780259305   171,239 2,976 SH   DFND 1 2,976 0 0
SHERWIN WILLIAMS CO COMMON STOCK 824348106   237,357 1,056 SH   DFND 1 1,056 0 0
SOUTHERN CO COM COMMON STOCK 842587107   1,638,470 23,548 SH   DFND 1 23,548 0 0
S&P GLOBAL INC COM COMMON STOCK 78409V104   173,075 502 SH   DFND 1 502 0 0
S&P 500 DR (SPDRS) EXCHANGE-TRADED FUND 78462F103   380,323 929 SH   DFND 1 929 0 0
SPDR SERIES TRUST PRTFLO S&P500 GW ETF EXCHANGE-TRADED FUND 78464A409   331,717 5,992 SH   DFND 1 5,992 0 0
SEMPRA COM COMMON STOCK 816851109   16,628 110 SH   DFND 1 110 0 0
STATE STREET CORP COMMON STOCK 857477103   18,544 245 SH   DFND 1 245 0 0
CONSTELLATION BRANDS INC CL A COMMON STOCK 21036P108   98,940 438 SH   DFND 1 438 0 0
STRYKER CORPORATION COM COMMON STOCK 863667101   167,285 586 SH   DFND 1 586 0 0
AT&T INC. COMMON STOCK 00206R102   171,210 8,894 SH   DFND 1 8,894 0 0
TRUIST FINL CORP COM COMMON STOCK 89832Q109   123,101 3,610 SH   DFND 1 3,610 0 0
TARGET CORP COMMON STOCK 87612E106   125,216 756 SH   DFND 1 756 0 0
THERMO FISHER SCIENTIFIC INC COM COMMON STOCK 883556102   91,066 158 SH   DFND 1 158 0 0
TRANSUNION COMMON STOCK 89400J107   4,971 80 SH   DFND 1 80 0 0
TRACTOR SUPPLY CO COMMON STOCK 892356106   29,380 125 SH   DFND 1 125 0 0
TAIWAN SEMICONDUCTOR SPONS ADR ADR / IDR / GDR 874039100   552,632 5,941 SH   DFND 1 5,941 0 0
TYSON FOODS INC CL A COMMON STOCK 902494103   96,158 1,621 SH   DFND 1 1,621 0 0
THE TRADE DESK INC-CLASS A COMMON STOCK 88339J105   292,063 4,795 SH   DFND 1 4,795 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104   17,485 94 SH   DFND 1 94 0 0
TEXAS ROADHOUSE INC CL A COMMON STOCK 882681109   61,594 570 SH   DFND 1 570 0 0
UBER TECHNOLOGIES INC COM COMMON STOCK 90353T100   190,866 6,021 SH   DFND 1 6,021 0 0
UGI CORP NEW (HOLDING CO) COMMON STOCK 902681105   16,163 465 SH   DFND 1 465 0 0
ULTA BEAUTY INC COMMON STOCK 90384S303   108,043 198 SH   DFND 1 198 0 0
UNITEDHEALTH GROUP INC COM COMMON STOCK 91324P102   754,254 1,596 SH   DFND 1 1,596 0 0
UNION PACIFIC CORP COM COMMON STOCK 907818108   55,347 275 SH   DFND 1 275 0 0
UNITED PARCEL SERVICE INC CL B COMMON STOCK 911312106   1,967,253 10,141 SH   DFND 1 10,141 0 0
UNITED RENTALS INC COMMON STOCK 911363109   73,216 185 SH   DFND 1 185 0 0
U S BANCORP NEW COMMON STOCK 902973304   119,073 3,303 SH   DFND 1 3,303 0 0
VISA INC COM CL A COMMON STOCK 92826C839   613,928 2,723 SH   DFND 1 2,723 0 0
VANGUARD INFORMATION TECHNOLOGY INDEX EXCHANGE-TRADED FUND 92204A702   46,642 121 SH   DFND 1 121 0 0
VANGUARD HEALTH CARE EXCHANGE-TRADED FUND 92204A504   15,738 66 SH   DFND 1 66 0 0
VANGUARD DIVIDEND APPRECIATION ETF EXCHANGE-TRADED FUND 921908844   15,863 103 SH   DFND 1 103 0 0
VALERO ENERGY CORP NEW COMMON STOCK 91913Y100   77,059 552 SH   DFND 1 552 0 0
VERISIGN INC COMMON STOCK 92343E102   19,654 93 SH   DFND 1 93 0 0
VANGUARD TOTAL STOCK MARKET ETF EXCHANGE-TRADED FUND 922908769   349,011 1,710 SH   DFND 1 1,710 0 0
VIATRIS INC COM COMMON STOCK 92556V106   1,395 145 SH   DFND 1 145 0 0
VANGUARD GROWTH ETF EXCHANGE-TRADED FUND 922908736   245,200 983 SH   DFND 1 983 0 0
VANGUARD INTL EQUITY INDEX FDS FTSE ETF EXCHANGE-TRADED FUND 922042858   19,796 490 SH   DFND 1 490 0 0
VANGUARD TOTAL INTL STOCK ET EXCHANGE-TRADED FUND 921909768   405,297 7,341 SH   DFND 1 7,341 0 0
VANGUARD HIGH DIVIDEND YIELD ETF EXCHANGE-TRADED FUND 921946406   384,231 3,642 SH   DFND 1 3,642 0 0
WABTEC CORP COMMON STOCK 929740108   65,184 645 SH   DFND 1 645 0 0
WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108   99,452 2,876 SH   DFND 1 2,876 0 0
WORKDAY INC COM CL A COMMON STOCK 98138H101   20,654 100 SH   DFND 1 100 0 0
WHIRLPOOL CORP COM COMMON STOCK 963320106   13,862 105 SH   DFND 1 105 0 0
WASTE MGMT INC DEL COM COMMON STOCK 94106L109   1,897,178 11,627 SH   DFND 1 11,627 0 0
WESTBURY METALS GRP COM COMMON STOCK 957289101   0 1,000 SH   DFND 1 1,000 0 0
WALMART INC COMMON STOCK 931142103   86,848 589 SH   DFND 1 589 0 0
YUM BRANDS INC COMMON STOCK 988498101   28,133 213 SH   DFND 1 213 0 0
ZEBRA TECH CORP CL A COMMON STOCK 989207105   77,910 245 SH   DFND 1 245 0 0
ZOETIS INC CL A COM COMMON STOCK 98978V103   275,458 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
SPDR SER TR BLOOMBERG 1-3 MO EXCHANGE-TRADED FUND 78468R663   238,273 2,595 SH   DFND 1 2,595 0 0
GOLDMAN SACHS ETF TR ACCES TREASURY ETF EXCHANGE-TRADED FUND 381430529   179,251 1,790 SH   DFND 1 1,790 0 0
VANGUARD INTERMEDIATE TERM BD ETF EXCHANGE-TRADED FUND 921937819   222,393 2,898 SH   DFND 1 2,898 0 0
INVESCO ETF TR II S&P GBL WATER EXCHANGE-TRADED FUND 46138E263   73,544 1,475 SH   DFND 1 1,475 0 0
SPDR SER TR BLOOMBERG CONV EXCHANGE-TRADED FUND 78464A359   163,919 2,444 SH   DFND 1 2,444 0 0
SPDR SER TR BLOOMBERG INVT EXCHANGE-TRADED FUND 78468R200   96,463 3,170 SH   DFND 1 3,170 0 0
ISHARES TR IBONDS 23 TRM TS ETF EXCHANGE-TRADED FUND 46436E882   1,091,640 44,000 SH   DFND 1 44,000 0 0
ISHARES TR NATIONAL MUN ETF EXCHANGE-TRADED FUND 464288414   176,694 1,640 SH   DFND 1 1,640 0 0
SPDR SER TR NUVEEN BLMBRG SH EXCHANGE-TRADED FUND 78468R739   63,004 1,325 SH   DFND 1 1,325 0 0
ISHARES 1-3 YEAR TREASURY BOND ETF EXCHANGE-TRADED FUND 464287457   517,197 6,295 SH   DFND 1 6,295 0 0
SPDR SERIES TRUST PORTFOLIO SHORT ETF EXCHANGE-TRADED FUND 78464A474   552,570 18,649 SH   DFND 1 18,649 0 0
ISHARES 0 5 YEAR TIPS BOND ETF EXCHANGE-TRADED FUND 46429B747   16,174 163 SH   DFND 1 163 0 0
SPDR DOUBLELINE TR TACT ETF EXCHANGE-TRADED FUND 78467V848   591,160 14,408 SH   DFND 1 14,408 0 0