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
MICROSOFT CORP COM 594918104   4,982,179 13,249 SH   DFND 1,3,4,5 0 9,091 4,158
APPLE INC COM 037833100   4,782,135 24,838 SH   DFND 1,3,4 0 15,211 9,627
AMAZON COM INC COM 023135106   3,044,877 20,040 SH   DFND 1,3,4 0 8,798 11,242
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,444,200 5,596 SH   SOLE   0 0 5,596
NVIDIA CORPORATION COM 67066G104   2,161,149 4,364 SH   DFND 1,3,4 0 2,792 1,572
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   2,157,473 25,421 SH   SOLE   0 0 25,421
ALPHABET INC CAP STK CL A 02079K305   2,095,489 15,001 SH   DFND 1,3,4 0 8,922 6,079
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,901,453 8,016 SH   SOLE   0 0 8,016
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   1,871,056 11,857 SH   SOLE   0 0 11,857
ISHARES TR SHORT TREAS BD 464288679   1,602,171 14,548 SH   SOLE   0 0 14,548
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,390,164 29,022 SH   SOLE   0 0 29,022
UNITEDHEALTH GROUP INC COM 91324P102   1,344,078 2,553 SH   DFND 1,3,4,5 0 2,173 380
JPMORGAN CHASE & CO COM 46625H100   1,274,963 7,495 SH   DFND 1,3,4,5 0 2,399 5,096
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   1,195,202 21,571 SH   SOLE   0 0 21,571
ALPHABET INC CAP STK CL C 02079K107   1,134,064 8,047 SH   DFND 1,3,4 0 4,764 3,283
VISA INC COM CL A 92826C839   1,002,868 3,852 SH   DFND 1,3,4 0 2,281 1,571
HOME DEPOT INC COM 437076102   943,309 2,722 SH   DFND 1,3,4,5 0 1,285 1,437
ASML HOLDING N V N Y REGISTRY SHS N07059210   907,547 1,199 SH   DFND 1,4 0 415 784
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   859,953 5,047 SH   SOLE   0 0 5,047
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203   841,230 16,718 SH   SOLE   0 0 16,718
META PLATFORMS INC CL A 30303M102   838,886 2,370 SH   DFND 1,3,4 0 2,028 342
TESLA INC COM 88160R101   789,173 3,176 SH   DFND 1,3,4 0 2,762 414
BROADCOM INC COM 11135F101   761,283 682 SH   DFND 1,3,4,5 0 533 149
UNION PAC CORP COM 907818108   735,386 2,994 SH   DFND 1,3,4,5 0 2,832 162
MCDONALDS CORP COM 580135101   719,926 2,428 SH   DFND 1,3,4,5 0 1,410 1,018
LAM RESEARCH CORP COM 512807108   717,960 914 SH   DFND 1 0 79 835
EXXON MOBIL CORP COM 30231G102   689,466 6,896 SH   DFND 1,3 0 665 6,231
WALMART INC COM 931142103   664,606 4,201 SH   DFND 1,3 0 2,502 1,699
NOVO-NORDISK A S ADR 670100205   660,528 6,385 SH   DFND 4 0 1,625 4,760
ISHARES TR RUS 1000 VAL ETF 464287598   653,068 3,952 SH   SOLE   0 0 3,952
ADOBE INC COM 00724F101   644,328 1,080 SH   DFND 1,3,4 0 602 478
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   631,288 1,770 SH   DFND 1,3 0 435 1,335
PARKER-HANNIFIN CORP COM 701094104   626,092 1,359 SH   DFND 1,3 0 124 1,235
ABBVIE INC COM 00287Y109   583,772 3,767 SH   DFND 1,2,3,4,5 0 2,560 1,207
TJX COS INC NEW COM 872540109   568,582 6,061 SH   DFND 1,3,4 0 5,650 411
TOTALENERGIES SE SPONSORED ADS 89151E109   567,730 8,228 SH   DFND 1,2,4 0 8,036 192
MASTERCARD INCORPORATED CL A 57636Q104   556,596 1,305 SH   DFND 1,3,4 0 1,028 277
CAMECO CORP COM 13321L108   544,209 12,627 SH   DFND 1 0 1,491 11,136
ISHARES TR CORE S&P SCP ETF 464287804   532,807 4,922 SH   SOLE   0 0 4,922
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   529,313 5,066 SH   DFND 1,4 0 4,809 257
MCKESSON CORP COM 58155Q103   501,152 1,081 SH   DFND 1,3 0 1,067 14
AUTOMATIC DATA PROCESSING IN COM 053015103   498,037 2,125 SH   DFND 1,3 0 2,050 75
JOHNSON & JOHNSON COM 478160104   497,057 3,171 SH   DFND 1,3,4 0 1,266 1,905
ORACLE CORP COM 68389X105   483,502 4,586 SH   DFND 1,3,4,5 0 4,226 360
PHILIP MORRIS INTL INC COM 718172109   480,429 5,037 SH   DFND 1,2,3,4 0 4,188 849
COSTCO WHSL CORP NEW COM 22160K105   464,455 688 SH   DFND 1,3,4 0 364 324
CHEVRON CORP NEW COM 166764100   463,887 3,110 SH   DFND 1,2,3,4,5 0 1,703 1,407
VERIZON COMMUNICATIONS INC COM 92343V104   463,220 12,287 SH   DFND 1,2,3,4 0 11,615 672
APA CORPORATION COM 03743Q108   462,667 12,895 SH   DFND 1 0 134 12,761
SALESFORCE INC COM 79466L302   458,127 1,741 SH   DFND 1,3,4 0 1,025 716
ABBOTT LABS COM 002824100   456,352 4,146 SH   DFND 1,3,4,5 0 1,936 2,210
MERCK & CO INC COM 58933Y105   453,651 4,132 SH   DFND 1,3,4,5 0 1,263 2,869
ISHARES TR RUS 1000 GRW ETF 464287614   453,542 1,496 SH   SOLE   0 0 1,496
DISNEY WALT CO COM 254687106   447,696 4,942 SH   DFND 1,3 0 2,651 2,291
PAYCHEX INC COM 704326107   444,042 3,728 SH   DFND 1,2,3,4 0 3,655 73
ISHARES TR S&P MC 400GR ETF 464287606   427,788 5,400 SH   SOLE   0 0 5,400
COMCAST CORP NEW CL A 20030N101   422,319 9,631 SH   DFND 1,3,4 0 8,987 644
VALERO ENERGY CORP COM 91913Y100   407,179 3,132 SH   DFND 1,3 0 421 2,711
CSX CORP COM 126408103   402,103 11,598 SH   DFND 1,4 0 11,598 0
UNITED PARCEL SERVICE INC CL B 911312106   394,192 2,507 SH   DFND 1,2,3,4 0 1,147 1,360
DUKE ENERGY CORP NEW COM NEW 26441C204   379,621 3,912 SH   DFND 1,2,3,4 0 3,533 379
AMGEN INC COM 031162100   377,018 1,309 SH   DFND 1,2,3,4,5 0 1,005 304
PFIZER INC COM 717081103   376,965 13,094 SH   DFND 1,2,3,4 0 6,482 6,612
PROCTER AND GAMBLE CO COM 742718109   371,626 2,536 SH   DFND 1,3,4,5 0 1,240 1,296
GRAINGER W W INC COM 384802104   369,596 446 SH   DFND 1,3,4 0 446 0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   366,816 3,698 SH   SOLE   0 0 3,698
ELI LILLY & CO COM 532457108   366,073 628 SH   DFND 1,3,4 0 480 148
NORFOLK SOUTHN CORP COM 655844108   365,444 1,546 SH   DFND 1 0 1,448 98
PNC FINL SVCS GROUP INC COM 693475105   363,588 2,348 SH   DFND 1,2,3,4,5 0 2,339 9
ISHARES TR GLOBAL ENERG ETF 464287341   362,511 9,269 SH   SOLE   0 0 9,269
BANK AMERICA CORP COM 060505104   359,696 10,683 SH   DFND 1,3,4 0 7,048 3,635
NATIONAL GRID PLC SPONSORED ADR NE 636274409   356,138 5,148 SH   DFND 1,2,4 0 4,885 263
NIKE INC CL B 654106103   351,182 3,223 SH   DFND 1,3,4 0 2,050 1,173
HALLIBURTON CO COM 406216101   338,324 9,359 SH   DFND 1 0 621 8,738
AT&T INC COM 00206R102   330,315 19,685 SH   DFND 1,2,3,4 0 17,994 1,691
SOUTHERN CO COM 842587107   328,162 4,680 SH   DFND 1,2,4 0 4,181 499
COCA COLA CO COM 191216100   323,478 5,489 SH   DFND 1,2,3,4 0 4,588 901
CVS HEALTH CORP COM 126650100   321,841 4,076 SH   DFND 1,3,4 0 3,766 310
WILLIAMS COS INC COM 969457100   312,982 8,986 SH   DFND 1,2,3,4,5 0 8,430 556
NEXTERA ENERGY INC COM 65339F101   312,142 5,139 SH   DFND 1,3,4,5 0 4,664 475
SAP SE SPON ADR 803054204   311,498 2,015 SH   DFND 1,4 0 2,012 3
NETFLIX INC COM 64110L106   307,221 631 SH   DFND 1,3,4 0 611 20
J P MORGAN EXCHANGE TRADED F BETABUILDERS CDA 46641Q225   305,041 4,757 SH   SOLE   0 0 4,757
ISHARES TR CORE S&P TTL STK 464287150   301,721 2,867 SH   SOLE   0 0 2,867
VANGUARD INDEX FDS SMALL CP ETF 922908751   300,872 1,410 SH   SOLE   0 0 1,410
HONEYWELL INTL INC COM 438516106   292,965 1,397 SH   DFND 1,3,4,5 0 1,110 287
APPLIED MATLS INC COM 038222105   290,106 1,790 SH   DFND 1,3,4 0 1,033 757
CROWDSTRIKE HLDGS INC CL A 22788C105   288,256 1,129 SH   DFND 1,4 0 597 532
THERMO FISHER SCIENTIFIC INC COM 883556102   287,349 541 SH   DFND 1,3,4 0 233 308
ENBRIDGE INC COM 29250N105   284,521 7,864 SH   DFND 2,4 0 7,288 576
CISCO SYS INC COM 17275R102   283,316 5,608 SH   DFND 1,3 0 1,986 3,622
GILEAD SCIENCES INC COM 375558103   282,806 3,491 SH   DFND 1,2,3,4 0 2,375 1,116
ISHARES INC CORE MSCI EMKT 46434G103   276,653 5,470 SH   SOLE   0 0 5,470
DEERE & CO COM 244199105   274,115 683 SH   DFND 1,3 0 161 522
DOMINION ENERGY INC COM 25746U109   272,271 5,793 SH   DFND 1,2,4 0 5,518 275
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100   268,316 2,822 SH   DFND 1,2,4 0 2,791 31
US BANCORP DEL COM NEW 902973304   266,165 6,081 SH   DFND 1,2,3,4 0 5,893 188
BCE INC COM NEW 05534B760   265,064 6,608 SH   DFND 1,2,4 0 6,148 460
INVESCO EXCHANGE TRADED FD T S&P MDCP MOMNTUM 46137V464   260,629 2,902 SH   SOLE   0 0 2,902
LABORATORY CORP AMER HLDGS COM NEW 50540R409   252,388 1,110 SH   DFND 1 0 27 1,083
HCA HEALTHCARE INC COM 40412C101   250,714 926 SH   DFND 1 0 178 748
TRUIST FINL CORP COM 89832Q109   249,432 6,756 SH   DFND 1,2,3,4 0 4,866 1,890
ONEOK INC NEW COM 682680103   244,857 3,487 SH   DFND 1,3 0 3,487 0
ISHARES TR NATIONAL MUN ETF 464288414   244,790 2,258 SH   SOLE   0 0 2,258
AMERICAN ELEC PWR CO INC COM 025537101   240,167 2,957 SH   DFND 1,2,4 0 2,786 171
AMERICAN TOWER CORP NEW COM 03027X100   236,292 1,086 SH   DFND 1,4,5 0 1,006 80
TC ENERGY CORP COM 87807B107   235,168 5,889 SH   DFND 1,2,4 0 5,688 201
KIMBERLY-CLARK CORP COM 494368103   234,338 1,910 SH   DFND 1,2,4 0 1,689 221
MICRON TECHNOLOGY INC COM 595112103   234,146 2,740 SH   DFND 1,3,4 0 2,005 735
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   230,899 658 SH   DFND 1,3,4,5 0 527 131
INTEL CORP COM 458140100   230,045 4,578 SH   DFND 1,3,4 0 2,879 1,699
ADVANCED MICRO DEVICES INC COM 007903107   221,557 1,503 SH   DFND 1 0 1,503 0
BRITISH AMERN TOB PLC SPONSORED ADR 110448107   219,171 7,308 SH   DFND 2,4 0 6,528 780
ISHARES TR RUS 2000 GRW ETF 464287648   214,387 850 SH   SOLE   0 0 850
SERVICENOW INC COM 81762P102   213,360 302 SH   DFND 1,3,4 0 302 0
S&P GLOBAL INC COM 78409V104   212,331 482 SH   DFND 1,3,4 0 482 0
MEDTRONIC PLC SHS G5960L103   212,324 2,555 SH   DFND 1,2,4,5 0 2,096 459
ISHARES TR CORE MSCI EAFE 46432F842   211,908 3,012 SH   SOLE   0 0 3,012
CATERPILLAR INC COM 149123101   209,926 710 SH   DFND 1,3,4 0 439 271
NUSHARES ETF TR NUVEEN ESG INTL 67092P805   208,941 7,102 SH   SOLE   0 0 7,102
ISHARES TR RUS 2000 VAL ETF 464287630   207,987 1,339 SH   SOLE   0 0 1,339
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   207,132 3,673 SH   SOLE   0 0 3,673
ASTRAZENECA PLC SPONSORED ADR 046353108   203,666 3,024 SH   DFND 1,4,5 0 1,652 1,372
PEPSICO INC COM 713448108   203,272 1,188 SH   DFND 1,3,4,5 0 721 467
HUNTINGTON BANCSHARES INC COM 446150104   193,073 14,996 SH   DFND 1,2,3,4 0 13,934 1,062
AMCOR PLC ORD G0250X107   134,623 13,965 SH   DFND 2,4 0 12,014 1,951
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104   105,076 12,204 SH   DFND 1 0 12,204 0
ITAU UNIBANCO HLDG S A SPON ADR REP PFD 465562106   71,668 10,229 SH   DFND 1,4 0 10,108 121
BANCO SANTANDER S.A. ADR 05964H105   43,002 10,387 SH   DFND 1 0 10,387 0
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109   41,046 11,932 SH   DFND 1 0 11,932 0
ATEA PHARMACEUTICALS INC COM 04683R106   36,426 11,943 SH   SOLE   0 0 11,943
TMC THE METALS COMPANY INC COM 87261Y106   25,300 23,000 SH   SOLE   0 0 23,000