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
3M CO COM 88579Y101   102,190 1,000 SH   DFND   0 0 1,000
3M CO COM 88579Y101   214,599 2,100 SH   SOLE   2,100 0 0
ABBOTT LABS COM 002824100   36,576 352 SH   DFND   352 0 0
ABBOTT LABS COM 002824100   81,881 788 SH   DFND 2 788 0 0
ABBOTT LABS COM 002824100   451,177 4,342 SH   SOLE   4,342 0 0
ABBVIE INC COM 00287Y109   379,059 2,210 SH   SOLE   2,210 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   16,688 55 SH   DFND   55 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   1,141,125 3,761 SH   SOLE   3,761 0 0
ADOBE INC COM 00724F101   27,777 50 SH   DFND   50 0 0
ADOBE INC COM 00724F101   1,604,955 2,889 SH   SOLE   2,889 0 0
ADVANCED MICRO DEVICES INC COM 007903107   290,194 1,789 SH   SOLE   1,789 0 0
AIR PRODS & CHEMS INC COM 009158106   28,386 110 SH   DFND   110 0 0
AIR PRODS & CHEMS INC COM 009158106   28,902 112 SH   DFND 2 112 0 0
AIR PRODS & CHEMS INC COM 009158106   1,593,201 6,174 SH   SOLE   6,174 0 0
ALLSTATE CORP COM 020002101   19,958 125 SH   DFND   125 0 0
ALLSTATE CORP COM 020002101   1,390,958 8,712 SH   SOLE   8,712 0 0
ALPHABET INC CAP STK CL A 02079K305   210,383 1,155 SH   DFND   1,155 0 0
ALPHABET INC CAP STK CL A 02079K305   147,906 812 SH   DFND 2 812 0 0
ALPHABET INC CAP STK CL A 02079K305   7,787,277 42,752 SH   SOLE   42,752 0 0
ALPHABET INC CAP STK CL C 02079K107   454,331 2,477 SH   SOLE   2,477 0 0
AMAZON COM INC COM 023135106   77,300 400 SH   DFND   400 0 0
AMAZON COM INC COM 023135106   6,683,165 34,583 SH   SOLE   34,583 0 0
AMERICAN ELEC PWR CO INC COM 025537101   258,043 2,941 SH   SOLE   2,941 0 0
AMERICAN EXPRESS CO COM 025816109   9,494 41 SH   DFND   41 0 0
AMERICAN EXPRESS CO COM 025816109   503,853 2,176 SH   SOLE   2,176 0 0
AMGEN INC COM 031162100   639,585 2,047 SH   SOLE   2,047 0 0
APPLE INC COM 037833100   310,033 1,472 SH   DFND   1,472 0 0
APPLE INC COM 037833100   58,974 280 SH   DFND 2 280 0 0
APPLE INC COM 037833100   13,124,996 62,316 SH   SOLE   62,316 0 0
APPLIED MATLS INC COM 038222105   13,215 56 SH   DFND   56 0 0
APPLIED MATLS INC COM 038222105   234,574 994 SH   SOLE   994 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210   5,114 5 SH   DFND   5 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210   609,547 596 SH   SOLE   596 0 0
AUTODESK INC COM 052769106   22,271 90 SH   DFND   90 0 0
AUTODESK INC COM 052769106   1,196,668 4,836 SH   SOLE   4,836 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   42,964 180 SH   DFND   180 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   126,983 532 SH   DFND 2 532 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   520,583 2,181 SH   SOLE   2,181 0 0
BADGER METER INC COM 056525108   634,894 3,407 SH   SOLE   3,407 0 0
BANK AMERICA CORP COM 060505104   76,796 1,931 SH   DFND   1,931 0 0
BANK AMERICA CORP COM 060505104   2,890,484 72,680 SH   SOLE   72,680 0 0
BAXTER INTL INC COM 071813109   1,673 50 SH   DFND   50 0 0
BAXTER INTL INC COM 071813109   550,587 16,460 SH   SOLE   16,460 0 0
BECTON DICKINSON & CO COM 075887109   23,371 100 SH   DFND   100 0 0
BECTON DICKINSON & CO COM 075887109   605,075 2,589 SH   SOLE   2,589 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   24,408 60 SH   DFND   60 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,477,904 3,633 SH   SOLE   3,633 0 0
BERRY GLOBAL GROUP INC COM 08579W103   6,003 102 SH   DFND   102 0 0
BERRY GLOBAL GROUP INC COM 08579W103   195,794 3,327 SH   SOLE   3,327 0 0
BLACKROCK INC COM 09247X101   55,112 70 SH   DFND   70 0 0
BLACKROCK INC COM 09247X101   2,684,761 3,410 SH   SOLE   3,410 0 0
BOEING CO COM 097023105   209,129 1,149 SH   SOLE   1,149 0 0
BOOKING HOLDINGS INC COM 09857L108   514,995 130 SH   SOLE   130 0 0
CAMECO CORP COM 13321L108   226,566 4,605 SH   SOLE   4,605 0 0
CANADIAN PACIFIC KANSAS CITY COM 13646K108   581,342 7,384 SH   SOLE   7,384 0 0
CATERPILLAR INC COM 149123101   73,615 221 SH   DFND   221 0 0
CATERPILLAR INC COM 149123101   2,432,962 7,304 SH   SOLE   7,304 0 0
CHEVRON CORP NEW COM 166764100   243,546 1,557 SH   DFND   357 0 1,200
CHEVRON CORP NEW COM 166764100   2,857,793 18,270 SH   SOLE   18,270 0 0
CHUBB LIMITED COM H1467J104   306,351 1,201 SH   SOLE   1,201 0 0
CISCO SYS INC COM 17275R102   39,291 827 SH   DFND   827 0 0
CISCO SYS INC COM 17275R102   80,767 1,700 SH   DFND 2 1,700 0 0
CISCO SYS INC COM 17275R102   344,780 7,257 SH   SOLE   7,257 0 0
CITIGROUP INC COM NEW 172967424   39,916 629 SH   DFND   629 0 0
CITIGROUP INC COM NEW 172967424   1,077,297 16,976 SH   SOLE   16,976 0 0
CME GROUP INC COM 12572Q105   201,122 1,023 SH   SOLE   1,023 0 0
COLGATE PALMOLIVE CO COM 194162103   281,416 2,900 SH   DFND   0 0 2,900
CONOCOPHILLIPS COM 20825C104   18,301 160 SH   DFND   160 0 0
CONOCOPHILLIPS COM 20825C104   1,048,750 9,169 SH   SOLE   9,169 0 0
CONSTELLATION BRANDS INC CL A 21036P108   6,689 26 SH   DFND   26 0 0
CONSTELLATION BRANDS INC CL A 21036P108   282,493 1,098 SH   SOLE   1,098 0 0
COSTCO WHSL CORP NEW COM 22160K105   42,500 50 SH   DFND   50 0 0
COSTCO WHSL CORP NEW COM 22160K105   3,342,161 3,932 SH   SOLE   3,932 0 0
CROWDSTRIKE HLDGS INC CL A 22788C105   38,319 100 SH   DFND   100 0 0
CROWDSTRIKE HLDGS INC CL A 22788C105   1,815,554 4,738 SH   SOLE   4,738 0 0
CROWN CASTLE INC COM 22822V101   12,213 125 SH   DFND   125 0 0
CROWN CASTLE INC COM 22822V101   466,029 4,770 SH   SOLE   4,770 0 0
CUMMINS INC COM 231021106   27,693 100 SH   DFND   100 0 0
CUMMINS INC COM 231021106   1,258,647 4,545 SH   SOLE   4,545 0 0
DANAHER CORPORATION COM 235851102   44,973 180 SH   DFND   180 0 0
DANAHER CORPORATION COM 235851102   104,687 419 SH   DFND 2 419 0 0
DANAHER CORPORATION COM 235851102   162,403 650 SH   SOLE   650 0 0
DATADOG INC CL A COM 23804L103   22,696 175 SH   DFND   175 0 0
DATADOG INC CL A COM 23804L103   1,276,020 9,839 SH   SOLE   9,839 0 0
DEERE & CO COM 244199105   49,319 132 SH   DFND   132 0 0
DEERE & CO COM 244199105   1,747,094 4,676 SH   SOLE   4,676 0 0
DELL TECHNOLOGIES INC CL C 24703L202   20,273 147 SH   DFND   147 0 0
DELL TECHNOLOGIES INC CL C 24703L202   382,424 2,773 SH   SOLE   2,773 0 0
DIGITAL RLTY TR INC COM 253868103   321,890 2,117 SH   SOLE   2,117 0 0
DISNEY WALT CO COM 254687106   22,638 228 SH   DFND   228 0 0
DISNEY WALT CO COM 254687106   19,659 198 SH   DFND 2 198 0 0
DISNEY WALT CO COM 254687106   1,625,278 16,369 SH   SOLE   16,369 0 0
DOW INC COM 260557103   13,634 257 SH   DFND   257 0 0
DOW INC COM 260557103   872,673 16,450 SH   SOLE   16,450 0 0
EATON CORP PLC SHS G29183103   667,548 2,129 SH   SOLE   2,129 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108   32,330 350 SH   DFND   350 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108   2,169,217 23,484 SH   SOLE   23,484 0 0
ELI LILLY & CO COM 532457108   693,521 766 SH   SOLE   766 0 0
EOG RES INC COM 26875P101   6,168 49 SH   DFND   49 0 0
EOG RES INC COM 26875P101   205,420 1,632 SH   SOLE   1,632 0 0
EXXON MOBIL CORP COM 30231G102   644,672 5,600 SH   DFND   0 0 5,600
EXXON MOBIL CORP COM 30231G102   414,432 3,600 SH   SOLE   3,600 0 0
FEDEX CORP COM 31428X106   6,596 22 SH   DFND   22 0 0
FEDEX CORP COM 31428X106   663,546 2,213 SH   SOLE   2,213 0 0
GENERAL MLS INC COM 370334104   2,987,264 47,222 SH   DFND   0 0 47,222
GENERAL MLS INC COM 370334104   117,031 1,850 SH   SOLE   1,850 0 0
GERON CORP COM 374163103   42,400 10,000 SH   SOLE   10,000 0 0
HCA HEALTHCARE INC COM 40412C101   61,043 190 SH   DFND   190 0 0
HCA HEALTHCARE INC COM 40412C101   2,070,007 6,443 SH   SOLE   6,443 0 0
HOME DEPOT INC COM 437076102   20,654 60 SH   DFND   60 0 0
HOME DEPOT INC COM 437076102   1,732,216 5,032 SH   SOLE   5,032 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   7,956 46 SH   DFND   46 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   370,286 2,141 SH   SOLE   2,141 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   51,158 115 SH   DFND   115 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   1,334,995 3,001 SH   SOLE   3,001 0 0
ISHARES INC CORE MSCI EMKT 46434G103   137,626 2,571 SH   DFND   2,571 0 0
ISHARES INC CORE MSCI EMKT 46434G103   9,172,205 171,347 SH   SOLE   171,347 0 0
ISHARES INC ESG AWR MSCI EM 46434G863   257,678 7,685 SH   SOLE   7,685 0 0
ISHARES INC MSCI EMRG CHN 46434G764   234,610 3,963 SH   DFND   3,963 0 0
ISHARES INC MSCI EMRG CHN 46434G764   9,343,891 157,836 SH   SOLE   157,836 0 0
ISHARES TR SELECT DIVID ETF 464287168   211,715 1,750 SH   SOLE   1,750 0 0
ISHARES TR CORE US AGGBD ET 464287226   267,622 2,757 SH   SOLE   2,757 0 0
ISHARES TR CALIF MUN BD ETF 464288356   1,438,154 25,284 SH   SOLE   25,284 0 0
ISHARES TR CORE MSCI EAFE 46432F842   7,267,632 100,050 SH   SOLE   100,050 0 0
ISHARES TR CORE S&P MCP ETF 464287507   719,503 12,295 SH   SOLE   12,295 0 0
ISHARES TR US TREAS BD ETF 46429B267   10,811 479 SH   DFND   479 0 0
ISHARES TR US TREAS BD ETF 46429B267   996,623 44,157 SH   SOLE   44,157 0 0
ISHARES TR U.S. TECH ETF 464287721   481,600 3,200 SH   SOLE   3,200 0 0
ISHARES TR JPMORGAN USD EMG 464288281   215,183 2,432 SH   SOLE   2,432 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516   506,871 6,434 SH   SOLE   6,434 0 0
ISHARES TR MSCI KLD400 SOC 464288570   4,075,697 39,246 SH   SOLE   39,246 0 0
ISHARES TR NATIONAL MUN ETF 464288414   1,477,742 13,869 SH   SOLE   13,869 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   649,557 1,782 SH   SOLE   1,782 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   312,650 1,792 SH   SOLE   1,792 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   20,289 100 SH   DFND   100 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   46,665 230 SH   DFND 2 230 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   143,240 706 SH   SOLE   706 0 0
ISHARES TR CORE S&P500 ETF 464287200   136,808 250 SH   DFND   250 0 0
ISHARES TR CORE S&P500 ETF 464287200   10,086,543 18,432 SH   SOLE   18,432 0 0
ISHARES TR S&P MC 400GR ETF 464287606   167,409 1,900 SH   DFND   1,900 0 0
ISHARES TR S&P MC 400GR ETF 464287606   1,237,857 14,049 SH   SOLE   14,049 0 0
ISHARES TR S&P MC 400VL ETF 464287705   107,787 950 SH   DFND   950 0 0
ISHARES TR S&P MC 400VL ETF 464287705   776,407 6,843 SH   SOLE   6,843 0 0
ISHARES TR SP SMCP600VL ETF 464287879   93,866 965 SH   DFND   965 0 0
ISHARES TR SP SMCP600VL ETF 464287879   673,303 6,922 SH   SOLE   6,922 0 0
ISHARES TR S&P SML 600 GWT 464287887   77,058 600 SH   DFND   600 0 0
ISHARES TR S&P SML 600 GWT 464287887   559,056 4,353 SH   SOLE   4,353 0 0
ISHARES TR MSCI EAFE ETF 464287465   563,976 7,200 SH   DFND   7,200 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,353,386 17,278 SH   SOLE   17,278 0 0
ISHARES TR CORE S&P SCP ETF 464287804   1,240,349 11,629 SH   SOLE   11,629 0 0
ISHARES TR 10-20 YR TRS ETF 464288653   269,074 2,620 SH   DFND   2,620 0 0
ISHARES TR 10-20 YR TRS ETF 464288653   11,330,275 110,324 SH   SOLE   110,324 0 0
ISHARES U S ETF TR BLACKROCK SH DUR 46431W507   1,535,719 30,513 SH   SOLE   30,513 0 0
JOHNSON & JOHNSON COM 478160104   273,612 1,872 SH   DFND   272 0 1,600
JOHNSON & JOHNSON COM 478160104   21,924 150 SH   DFND 2 150 0 0
JOHNSON & JOHNSON COM 478160104   2,400,240 16,422 SH   SOLE   16,422 0 0
JOHNSON CTLS INTL PLC SHS G51502105   387,188 5,825 SH   SOLE   5,825 0 0
JPMORGAN CHASE & CO. COM 46625H100   128,233 634 SH   DFND   634 0 0
JPMORGAN CHASE & CO. COM 46625H100   80,904 400 SH   DFND 2 400 0 0
JPMORGAN CHASE & CO. COM 46625H100   4,690,612 23,191 SH   SOLE   23,191 0 0
KENVUE INC COM 49177J102   223,359 12,286 SH   SOLE   12,286 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109   19,089 85 SH   DFND   85 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109   744,483 3,315 SH   SOLE   3,315 0 0
LAM RESEARCH CORP COM 512807108   121,393 114 SH   DFND   114 0 0
LAM RESEARCH CORP COM 512807108   4,329,680 4,066 SH   SOLE   4,066 0 0
LAUDER ESTEE COS INC CL A 518439104   10,640 100 SH   DFND   100 0 0
LAUDER ESTEE COS INC CL A 518439104   361,334 3,396 SH   SOLE   3,396 0 0
LOCKHEED MARTIN CORP COM 539830109   15,414 33 SH   DFND   33 0 0
LOCKHEED MARTIN CORP COM 539830109   789,399 1,690 SH   SOLE   1,690 0 0
LULULEMON ATHLETICA INC COM 550021109   16,429 55 SH   DFND   55 0 0
LULULEMON ATHLETICA INC COM 550021109   615,322 2,060 SH   SOLE   2,060 0 0
M & T BK CORP COM 55261F104   220,986 1,460 SH   SOLE   1,460 0 0
MARSH & MCLENNAN COS INC COM 571748102   10,115 48 SH   DFND   48 0 0
MARSH & MCLENNAN COS INC COM 571748102   280,679 1,332 SH   SOLE   1,332 0 0
MASTERCARD INCORPORATED CL A 57636Q104   8,823 20 SH   DFND   20 0 0
MASTERCARD INCORPORATED CL A 57636Q104   22,058 50 SH   DFND 2 50 0 0
MASTERCARD INCORPORATED CL A 57636Q104   212,198 481 SH   SOLE   481 0 0
MCDONALDS CORP COM 580135101   42,049 165 SH   DFND   165 0 0
MCDONALDS CORP COM 580135101   1,749,731 6,866 SH   SOLE   6,866 0 0
MEDTRONIC PLC SHS G5960L103   6,848 87 SH   DFND   87 0 0
MEDTRONIC PLC SHS G5960L103   16,687 212 SH   DFND 2 212 0 0
MEDTRONIC PLC SHS G5960L103   220,231 2,798 SH   SOLE   2,798 0 0
MERCK & CO INC COM 58933Y105   26,493 214 SH   DFND   214 0 0
MERCK & CO INC COM 58933Y105   1,942,670 15,692 SH   SOLE   15,692 0 0
META PLATFORMS INC CL A 30303M102   373,627 741 SH   SOLE   741 0 0
MICROSOFT CORP COM 594918104   360,689 807 SH   DFND   807 0 0
MICROSOFT CORP COM 594918104   109,503 245 SH   DFND 2 245 0 0
MICROSOFT CORP COM 594918104   15,000,536 33,562 SH   SOLE   33,562 0 0
MONDELEZ INTL INC CL A 609207105   607,545 9,284 SH   SOLE   9,284 0 0
MORGAN STANLEY COM NEW 617446448   31,295 322 SH   DFND   322 0 0
MORGAN STANLEY COM NEW 617446448   1,202,337 12,371 SH   SOLE   12,371 0 0
NETFLIX INC COM 64110L106   37,118 55 SH   DFND   55 0 0
NETFLIX INC COM 64110L106   1,201,961 1,781 SH   SOLE   1,781 0 0
NEXTERA ENERGY INC COM 65339F101   14,162 200 SH   DFND   200 0 0
NEXTERA ENERGY INC COM 65339F101   1,113,487 15,725 SH   SOLE   15,725 0 0
NIKE INC CL B 654106103   26,380 350 SH   DFND   350 0 0
NIKE INC CL B 654106103   18,315 243 SH   DFND 2 243 0 0
NIKE INC CL B 654106103   1,157,532 15,358 SH   SOLE   15,358 0 0
NORFOLK SOUTHN CORP COM 655844108   26,192 122 SH   DFND   122 0 0
NORFOLK SOUTHN CORP COM 655844108   951,721 4,433 SH   SOLE   4,433 0 0
NUCOR CORP COM 670346105   14,543 92 SH   DFND   92 0 0
NUCOR CORP COM 670346105   329,439 2,084 SH   SOLE   2,084 0 0
NVIDIA CORPORATION COM 67066G104   240,903 1,950 SH   DFND   1,950 0 0
NVIDIA CORPORATION COM 67066G104   12,727,832 103,026 SH   SOLE   103,026 0 0
ORACLE CORP COM 68389X105   18,638 132 SH   DFND   132 0 0
ORACLE CORP COM 68389X105   46,596 330 SH   DFND 2 330 0 0
ORACLE CORP COM 68389X105   288,189 2,041 SH   SOLE   2,041 0 0
PACCAR INC COM 693718108   1,490,057 14,475 SH   SOLE   14,475 0 0
PALO ALTO NETWORKS INC COM 697435105   38,986 115 SH   DFND   115 0 0
PALO ALTO NETWORKS INC COM 697435105   2,483,248 7,325 SH   SOLE   7,325 0 0
PARKER-HANNIFIN CORP COM 701094104   92,563 183 SH   DFND   183 0 0
PARKER-HANNIFIN CORP COM 701094104   32,372 64 SH   DFND 2 64 0 0
PARKER-HANNIFIN CORP COM 701094104   2,815,844 5,567 SH   SOLE   5,567 0 0
PEPSICO INC COM 713448108   218,532 1,325 SH   DFND   325 0 1,000
PEPSICO INC COM 713448108   82,465 500 SH   DFND 2 500 0 0
PEPSICO INC COM 713448108   1,733,744 10,512 SH   SOLE   10,512 0 0
PHILLIPS 66 COM 718546104   41,222 292 SH   DFND   292 0 0
PHILLIPS 66 COM 718546104   1,359,891 9,633 SH   SOLE   9,633 0 0
PNC FINL SVCS GROUP INC COM 693475105   28,608 184 SH   DFND   184 0 0
PNC FINL SVCS GROUP INC COM 693475105   1,650,887 10,618 SH   SOLE   10,618 0 0
PPG INDS INC COM 693506107   28,577 227 SH   DFND   227 0 0
PPG INDS INC COM 693506107   1,080,262 8,581 SH   SOLE   8,581 0 0
PROCTER AND GAMBLE CO COM 742718109   510,427 3,095 SH   DFND   100 0 2,995
PROCTER AND GAMBLE CO COM 742718109   12,369 75 SH   DFND 2 75 0 0
PROCTER AND GAMBLE CO COM 742718109   2,261,878 13,715 SH   SOLE   13,715 0 0
PROLOGIS INC. COM 74340W103   12,466 111 SH   DFND   111 0 0
PROLOGIS INC. COM 74340W103   530,552 4,724 SH   SOLE   4,724 0 0
PUBLIC STORAGE OPER CO COM 74460D109   38,545 134 SH   DFND   134 0 0
PUBLIC STORAGE OPER CO COM 74460D109   1,284,070 4,464 SH   SOLE   4,464 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   14,961 203 SH   DFND   203 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   501,529 6,805 SH   SOLE   6,805 0 0
QUALCOMM INC COM 747525103   6,971 35 SH   DFND   35 0 0
QUALCOMM INC COM 747525103   299,766 1,505 SH   SOLE   1,505 0 0
REGENERON PHARMACEUTICALS COM 75886F107   39,939 38 SH   DFND   38 0 0
REGENERON PHARMACEUTICALS COM 75886F107   1,425,197 1,356 SH   SOLE   1,356 0 0
SALESFORCE INC COM 79466L302   38,565 150 SH   DFND   150 0 0
SALESFORCE INC COM 79466L302   1,934,420 7,524 SH   SOLE   7,524 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   270,755 2,685 SH   SOLE   2,685 0 0
SERVICENOW INC COM 81762P102   43,267 55 SH   DFND   55 0 0
SERVICENOW INC COM 81762P102   2,196,383 2,792 SH   SOLE   2,792 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   602,452 1,107 SH   SOLE   1,107 0 0
STARBUCKS CORP COM 855244109   13,624 175 SH   DFND   175 0 0
STARBUCKS CORP COM 855244109   1,007,457 12,941 SH   SOLE   12,941 0 0
STRYKER CORPORATION COM 863667101   39,129 115 SH   DFND   115 0 0
STRYKER CORPORATION COM 863667101   1,774,404 5,215 SH   SOLE   5,215 0 0
TARGET CORP COM 87612E106   25,167 170 SH   DFND   170 0 0
TARGET CORP COM 87612E106   968,182 6,540 SH   SOLE   6,540 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   62,489 113 SH   DFND   113 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   2,393,384 4,328 SH   SOLE   4,328 0 0
TJX COS INC NEW COM 872540109   230,660 2,095 SH   SOLE   2,095 0 0
TORONTO DOMINION BK ONT COM NEW 891160509   206,100 3,750 SH   SOLE   3,750 0 0
UNION PAC CORP COM 907818108   337,127 1,490 SH   DFND   27 0 1,463
UNION PAC CORP COM 907818108   427,858 1,891 SH   SOLE   1,891 0 0
UNITED RENTALS INC COM 911363109   73,080 113 SH   DFND   113 0 0
UNITED RENTALS INC COM 911363109   2,458,221 3,801 SH   SOLE   3,801 0 0
UNITEDHEALTH GROUP INC COM 91324P102   48,380 95 SH   DFND   95 0 0
UNITEDHEALTH GROUP INC COM 91324P102   2,707,735 5,317 SH   SOLE   5,317 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   211,555 423 SH   SOLE   423 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   232,658 961 SH   SOLE   961 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   253,039 3,021 SH   SOLE   3,021 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,023,747 20,430 SH   SOLE   20,430 0 0
VEEVA SYS INC CL A COM 922475108   11,896 65 SH   DFND   65 0 0
VEEVA SYS INC CL A COM 922475108   610,887 3,338 SH   SOLE   3,338 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   47,467 1,151 SH   DFND   1,151 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   2,177,060 52,790 SH   SOLE   52,790 0 0
VISA INC COM CL A 92826C839   45,932 175 SH   DFND   175 0 0
VISA INC COM CL A 92826C839   2,421,811 9,227 SH   SOLE   9,227 0 0
VISTRA CORP COM 92840M102   318,040 3,699 SH   SOLE   3,699 0 0
WALMART INC COM 931142103   10,563 156 SH   DFND   156 0 0
WALMART INC COM 931142103   449,324 6,636 SH   SOLE   6,636 0 0