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   136,700 1,000 SH   DFND   0 0 1,000
3M CO COM 88579Y101   259,730 1,900 SH   SOLE   1,900 0 0
ABBOTT LABS COM 002824100   40,132 352 SH   DFND   352 0 0
ABBOTT LABS COM 002824100   89,840 788 SH   DFND 2 788 0 0
ABBOTT LABS COM 002824100   530,831 4,656 SH   SOLE   4,656 0 0
ABBVIE INC COM 00287Y109   464,473 2,352 SH   SOLE   2,352 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   19,441 55 SH   DFND   55 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   1,454,924 4,116 SH   SOLE   4,116 0 0
ADOBE INC COM 00724F101   25,889 50 SH   DFND   50 0 0
ADOBE INC COM 00724F101   1,561,624 3,016 SH   SOLE   3,016 0 0
ADVANCED MICRO DEVICES INC COM 007903107   353,756 2,156 SH   SOLE   2,156 0 0
AIR PRODS & CHEMS INC COM 009158106   32,751 110 SH   DFND   110 0 0
AIR PRODS & CHEMS INC COM 009158106   33,347 112 SH   DFND 2 112 0 0
AIR PRODS & CHEMS INC COM 009158106   1,935,905 6,502 SH   SOLE   6,502 0 0
ALLSTATE CORP COM 020002101   23,706 125 SH   DFND   125 0 0
ALLSTATE CORP COM 020002101   1,650,714 8,704 SH   SOLE   8,704 0 0
ALPHABET INC CAP STK CL A 02079K305   191,557 1,155 SH   DFND   1,155 0 0
ALPHABET INC CAP STK CL A 02079K305   134,670 812 SH   DFND 2 812 0 0
ALPHABET INC CAP STK CL A 02079K305   6,930,374 41,787 SH   SOLE   41,787 0 0
ALPHABET INC CAP STK CL C 02079K107   414,130 2,477 SH   SOLE   2,477 0 0
AMAZON COM INC COM 023135106   65,216 350 SH   DFND   350 0 0
AMAZON COM INC COM 023135106   6,478,694 34,770 SH   SOLE   34,770 0 0
AMERICAN ELEC PWR CO INC COM 025537101   316,931 3,089 SH   SOLE   3,089 0 0
AMERICAN EXPRESS CO COM 025816109   11,119 41 SH   DFND   41 0 0
AMERICAN EXPRESS CO COM 025816109   596,640 2,200 SH   SOLE   2,200 0 0
AMERICAN TOWER CORP NEW COM 03027X100   207,909 894 SH   SOLE   894 0 0
AMGEN INC COM 031162100   643,453 1,997 SH   SOLE   1,997 0 0
APOLLO GLOBAL MGMT INC COM 03769M106   212,222 1,699 SH   SOLE   1,699 0 0
APPLE INC COM 037833100   302,201 1,297 SH   DFND   1,297 0 0
APPLE INC COM 037833100   65,240 280 SH   DFND 2 280 0 0
APPLE INC COM 037833100   13,762,611 59,067 SH   SOLE   59,067 0 0
APPLIED MATLS INC COM 038222105   11,315 56 SH   DFND   56 0 0
APPLIED MATLS INC COM 038222105   244,683 1,211 SH   SOLE   1,211 0 0
ARISTA NETWORKS INC COM 040413106   265,987 693 SH   SOLE   693 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210   12,499 15 SH   DFND   15 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210   1,805,653 2,167 SH   SOLE   2,167 0 0
AUTODESK INC COM 052769106   24,793 90 SH   DFND   90 0 0
AUTODESK INC COM 052769106   1,356,739 4,925 SH   SOLE   4,925 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   49,811 180 SH   DFND   180 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   147,220 532 SH   DFND 2 532 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   632,882 2,287 SH   SOLE   2,287 0 0
BADGER METER INC COM 056525108   744,123 3,407 SH   SOLE   3,407 0 0
BANK AMERICA CORP COM 060505104   76,622 1,931 SH   DFND   1,931 0 0
BANK AMERICA CORP COM 060505104   2,782,917 70,134 SH   SOLE   70,134 0 0
BAXTER INTL INC COM 071813109   1,899 50 SH   DFND   50 0 0
BAXTER INTL INC COM 071813109   664,019 17,488 SH   SOLE   17,488 0 0
BECTON DICKINSON & CO COM 075887109   24,110 100 SH   DFND   100 0 0
BECTON DICKINSON & CO COM 075887109   636,022 2,638 SH   SOLE   2,638 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   27,616 60 SH   DFND   60 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,641,747 3,567 SH   SOLE   3,567 0 0
BERRY GLOBAL GROUP INC COM 08579W103   6,934 102 SH   DFND   102 0 0
BERRY GLOBAL GROUP INC COM 08579W103   230,928 3,397 SH   SOLE   3,397 0 0
BLACKROCK INC COM 09247X101   66,466 70 SH   DFND   70 0 0
BLACKROCK INC COM 09247X101   3,225,485 3,397 SH   SOLE   3,397 0 0
BOOKING HOLDINGS INC COM 09857L108   421,212 100 SH   SOLE   100 0 0
CAMECO CORP COM 13321L108   248,639 5,206 SH   SOLE   5,206 0 0
CANADIAN PACIFIC KANSAS CITY COM 13646K108   631,627 7,384 SH   SOLE   7,384 0 0
CATERPILLAR INC COM 149123101   86,438 221 SH   DFND   221 0 0
CATERPILLAR INC COM 149123101   2,774,214 7,093 SH   SOLE   7,093 0 0
CHEVRON CORP NEW COM 166764100   229,299 1,557 SH   DFND   357 0 1,200
CHEVRON CORP NEW COM 166764100   2,745,555 18,643 SH   SOLE   18,643 0 0
CHUBB LIMITED COM H1467J104   353,278 1,225 SH   SOLE   1,225 0 0
CISCO SYS INC COM 17275R102   44,013 827 SH   DFND   827 0 0
CISCO SYS INC COM 17275R102   90,474 1,700 SH   DFND 2 1,700 0 0
CISCO SYS INC COM 17275R102   317,191 5,960 SH   SOLE   5,960 0 0
CITIGROUP INC COM NEW 172967424   39,375 629 SH   DFND   629 0 0
CITIGROUP INC COM NEW 172967424   1,233,283 19,701 SH   SOLE   19,701 0 0
CME GROUP INC COM 12572Q105   222,195 1,007 SH   SOLE   1,007 0 0
COLGATE PALMOLIVE CO COM 194162103   301,049 2,900 SH   DFND   0 0 2,900
CONOCOPHILLIPS COM 20825C104   16,845 160 SH   DFND   160 0 0
CONOCOPHILLIPS COM 20825C104   736,434 6,995 SH   SOLE   6,995 0 0
CONSTELLATION BRANDS INC CL A 21036P108   6,700 26 SH   DFND   26 0 0
CONSTELLATION BRANDS INC CL A 21036P108   289,644 1,124 SH   SOLE   1,124 0 0
COSTCO WHSL CORP NEW COM 22160K105   44,326 50 SH   DFND   50 0 0
COSTCO WHSL CORP NEW COM 22160K105   3,439,698 3,880 SH   SOLE   3,880 0 0
CROWDSTRIKE HLDGS INC CL A 22788C105   28,047 100 SH   DFND   100 0 0
CROWDSTRIKE HLDGS INC CL A 22788C105   1,317,368 4,697 SH   SOLE   4,697 0 0
CROWN CASTLE INC COM 22822V101   14,829 125 SH   DFND   125 0 0
CROWN CASTLE INC COM 22822V101   589,235 4,967 SH   SOLE   4,967 0 0
CUMMINS INC COM 231021106   32,379 100 SH   DFND   100 0 0
CUMMINS INC COM 231021106   1,458,350 4,504 SH   SOLE   4,504 0 0
DANAHER CORPORATION COM 235851102   41,703 150 SH   DFND   150 0 0
DANAHER CORPORATION COM 235851102   116,490 419 SH   DFND 2 419 0 0
DANAHER CORPORATION COM 235851102   180,713 650 SH   SOLE   650 0 0
DATADOG INC CL A COM 23804L103   20,136 175 SH   DFND   175 0 0
DATADOG INC CL A COM 23804L103   1,135,642 9,870 SH   SOLE   9,870 0 0
DEERE & CO COM 244199105   55,088 132 SH   DFND   132 0 0
DEERE & CO COM 244199105   1,981,066 4,747 SH   SOLE   4,747 0 0
DELL TECHNOLOGIES INC CL C 24703L202   17,425 147 SH   DFND   147 0 0
DELL TECHNOLOGIES INC CL C 24703L202   335,705 2,832 SH   SOLE   2,832 0 0
DIGITAL RLTY TR INC COM 253868103   329,324 2,035 SH   SOLE   2,035 0 0
DISNEY WALT CO COM 254687106   21,931 228 SH   DFND   228 0 0
DISNEY WALT CO COM 254687106   19,046 198 SH   DFND 2 198 0 0
DISNEY WALT CO COM 254687106   1,569,821 16,320 SH   SOLE   16,320 0 0
DOW INC COM 260557103   14,040 257 SH   DFND   257 0 0
DOW INC COM 260557103   933,517 17,088 SH   SOLE   17,088 0 0
EATON CORP PLC SHS G29183103   710,276 2,143 SH   SOLE   2,143 0 0
ELI LILLY & CO COM 532457108   13,289 15 SH   DFND   15 0 0
ELI LILLY & CO COM 532457108   1,320,051 1,490 SH   SOLE   1,490 0 0
EOG RES INC COM 26875P101   6,024 49 SH   DFND   49 0 0
EOG RES INC COM 26875P101   202,712 1,649 SH   SOLE   1,649 0 0
EXXON MOBIL CORP COM 30231G102   656,432 5,600 SH   DFND   0 0 5,600
EXXON MOBIL CORP COM 30231G102   411,325 3,509 SH   SOLE   3,509 0 0
FEDEX CORP COM 31428X106   6,021 22 SH   DFND   22 0 0
FEDEX CORP COM 31428X106   581,023 2,123 SH   SOLE   2,123 0 0
GENERAL MLS INC COM 370334104   3,487,345 47,222 SH   DFND   0 0 47,222
GENERAL MLS INC COM 370334104   136,623 1,850 SH   SOLE   1,850 0 0
GERON CORP COM 374163103   45,400 10,000 SH   SOLE   10,000 0 0
HCA HEALTHCARE INC COM 40412C101   77,222 190 SH   DFND   190 0 0
HCA HEALTHCARE INC COM 40412C101   2,601,558 6,401 SH   SOLE   6,401 0 0
HOME DEPOT INC COM 437076102   24,312 60 SH   DFND   60 0 0
HOME DEPOT INC COM 437076102   1,952,659 4,819 SH   SOLE   4,819 0 0
HONEYWELL INTL INC COM 438516106   203,816 986 SH   SOLE   986 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   10,170 46 SH   DFND   46 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   494,114 2,235 SH   SOLE   2,235 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   56,496 115 SH   DFND   115 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   1,388,820 2,827 SH   SOLE   2,827 0 0
ISHARES INC CORE MSCI EMKT 46434G103   147,601 2,571 SH   DFND   2,571 0 0
ISHARES INC CORE MSCI EMKT 46434G103   9,974,643 173,744 SH   SOLE   173,744 0 0
ISHARES INC MSCI EMRG CHN 46434G764   242,179 3,963 SH   DFND   3,963 0 0
ISHARES INC MSCI EMRG CHN 46434G764   10,206,959 167,026 SH   SOLE   167,026 0 0
ISHARES TR SELECT DIVID ETF 464287168   236,373 1,750 SH   SOLE   1,750 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   246,386 2,060 SH   DFND   2,060 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   7,929,334 66,296 SH   SOLE   66,296 0 0
ISHARES TR CORE US AGGBD ET 464287226   941,811 9,300 SH   DFND   9,300 0 0
ISHARES TR CORE US AGGBD ET 464287226   1,443,806 14,257 SH   SOLE   14,257 0 0
ISHARES TR CALIF MUN BD ETF 464288356   1,785,488 30,726 SH   SOLE   30,726 0 0
ISHARES TR CORE MSCI EAFE 46432F842   8,105,493 103,850 SH   SOLE   103,850 0 0
ISHARES TR CORE S&P MCP ETF 464287507   766,224 12,295 SH   SOLE   12,295 0 0
ISHARES TR US TREAS BD ETF 46429B267   10,060 429 SH   DFND   429 0 0
ISHARES TR US TREAS BD ETF 46429B267   668,208 28,495 SH   SOLE   28,495 0 0
ISHARES TR U.S. TECH ETF 464287721   485,184 3,200 SH   SOLE   3,200 0 0
ISHARES TR JPMORGAN USD EMG 464288281   239,846 2,563 SH   SOLE   2,563 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516   204,870 2,434 SH   SOLE   2,434 0 0
ISHARES TR MSCI KLD400 SOC 464288570   4,271,748 39,266 SH   SOLE   39,266 0 0
ISHARES TR NATIONAL MUN ETF 464288414   1,626,082 14,969 SH   SOLE   14,969 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   794,679 2,117 SH   SOLE   2,117 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   607,929 3,203 SH   SOLE   3,203 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   22,089 100 SH   DFND   100 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   50,805 230 SH   DFND 2 230 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   153,960 697 SH   SOLE   697 0 0
ISHARES TR CORE S&P500 ETF 464287200   144,205 250 SH   DFND   250 0 0
ISHARES TR CORE S&P500 ETF 464287200   11,628,691 20,160 SH   SOLE   20,160 0 0
ISHARES TR S&P MC 400GR ETF 464287606   174,667 1,900 SH   DFND   1,900 0 0
ISHARES TR S&P MC 400GR ETF 464287606   1,408,368 15,320 SH   SOLE   15,320 0 0
ISHARES TR S&P MC 400VL ETF 464287705   117,439 950 SH   DFND   950 0 0
ISHARES TR S&P MC 400VL ETF 464287705   1,025,181 8,293 SH   SOLE   8,293 0 0
ISHARES TR SP SMCP600VL ETF 464287879   103,892 965 SH   DFND   965 0 0
ISHARES TR SP SMCP600VL ETF 464287879   844,808 7,847 SH   SOLE   7,847 0 0
ISHARES TR S&P SML 600 GWT 464287887   83,694 600 SH   DFND   600 0 0
ISHARES TR S&P SML 600 GWT 464287887   691,870 4,960 SH   SOLE   4,960 0 0
ISHARES TR MSCI EAFE ETF 464287465   602,136 7,200 SH   DFND   7,200 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,394,196 16,671 SH   SOLE   16,671 0 0
ISHARES TR CORE S&P SCP ETF 464287804   1,370,069 11,714 SH   SOLE   11,714 0 0
ISHARES TR 10-20 YR TRS ETF 464288653   60,132 550 SH   DFND   550 0 0
ISHARES TR 10-20 YR TRS ETF 464288653   5,707,573 52,205 SH   SOLE   52,205 0 0
ISHARES U S ETF TR BLACKROCK SH DUR 46431W507   982,732 19,179 SH   SOLE   19,179 0 0
JOHNSON & JOHNSON COM 478160104   303,376 1,872 SH   DFND   272 0 1,600
JOHNSON & JOHNSON COM 478160104   24,309 150 SH   DFND 2 150 0 0
JOHNSON & JOHNSON COM 478160104   2,729,901 16,845 SH   SOLE   16,845 0 0
JOHNSON CTLS INTL PLC SHS G51502105   423,207 5,453 SH   SOLE   5,453 0 0
JPMORGAN CHASE & CO. COM 46625H100   133,685 634 SH   DFND   634 0 0
JPMORGAN CHASE & CO. COM 46625H100   84,344 400 SH   DFND 2 400 0 0
JPMORGAN CHASE & CO. COM 46625H100   4,808,662 22,805 SH   SOLE   22,805 0 0
KENVUE INC COM 49177J102   279,804 12,097 SH   SOLE   12,097 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109   20,219 85 SH   DFND   85 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109   745,960 3,136 SH   SOLE   3,136 0 0
LAM RESEARCH CORP COM 512807108   93,033 114 SH   DFND   114 0 0
LAM RESEARCH CORP COM 512807108   3,240,654 3,971 SH   SOLE   3,971 0 0
LAUDER ESTEE COS INC CL A 518439104   4,985 50 SH   DFND   50 0 0
LAUDER ESTEE COS INC CL A 518439104   316,516 3,175 SH   SOLE   3,175 0 0
LOCKHEED MARTIN CORP COM 539830109   19,290 33 SH   DFND   33 0 0
LOCKHEED MARTIN CORP COM 539830109   996,090 1,704 SH   SOLE   1,704 0 0
LULULEMON ATHLETICA INC COM 550021109   14,924 55 SH   DFND   55 0 0
LULULEMON ATHLETICA INC COM 550021109   607,824 2,240 SH   SOLE   2,240 0 0
M & T BK CORP COM 55261F104   268,961 1,510 SH   SOLE   1,510 0 0
MARSH & MCLENNAN COS INC COM 571748102   10,708 48 SH   DFND   48 0 0
MARSH & MCLENNAN COS INC COM 571748102   303,849 1,362 SH   SOLE   1,362 0 0
MASTERCARD INCORPORATED CL A 57636Q104   9,876 20 SH   DFND   20 0 0
MASTERCARD INCORPORATED CL A 57636Q104   24,690 50 SH   DFND 2 50 0 0
MASTERCARD INCORPORATED CL A 57636Q104   315,538 639 SH   SOLE   639 0 0
MCDONALDS CORP COM 580135101   50,244 165 SH   DFND   165 0 0
MCDONALDS CORP COM 580135101   2,143,141 7,038 SH   SOLE   7,038 0 0
MEDTRONIC PLC SHS G5960L103   7,833 87 SH   DFND   87 0 0
MEDTRONIC PLC SHS G5960L103   19,086 212 SH   DFND 2 212 0 0
MEDTRONIC PLC SHS G5960L103   249,833 2,775 SH   SOLE   2,775 0 0
MERCK & CO INC COM 58933Y105   24,302 214 SH   DFND   214 0 0
MERCK & CO INC COM 58933Y105   1,811,736 15,954 SH   SOLE   15,954 0 0
META PLATFORMS INC CL A 30303M102   447,076 781 SH   SOLE   781 0 0
MICROSOFT CORP COM 594918104   347,252 807 SH   DFND   807 0 0
MICROSOFT CORP COM 594918104   105,424 245 SH   DFND 2 245 0 0
MICROSOFT CORP COM 594918104   14,766,605 34,317 SH   SOLE   34,317 0 0
MONDELEZ INTL INC CL A 609207105   701,854 9,527 SH   SOLE   9,527 0 0
MORGAN STANLEY COM NEW 617446448   33,565 322 SH   DFND   322 0 0
MORGAN STANLEY COM NEW 617446448   1,325,620 12,717 SH   SOLE   12,717 0 0
NETFLIX INC COM 64110L106   28,371 40 SH   DFND   40 0 0
NETFLIX INC COM 64110L106   1,230,583 1,735 SH   SOLE   1,735 0 0
NEXTERA ENERGY INC COM 65339F101   16,906 200 SH   DFND   200 0 0
NEXTERA ENERGY INC COM 65339F101   1,292,886 15,295 SH   SOLE   15,295 0 0
NIKE INC CL B 654106103   30,940 350 SH   DFND   350 0 0
NIKE INC CL B 654106103   21,481 243 SH   DFND 2 243 0 0
NIKE INC CL B 654106103   1,266,330 14,325 SH   SOLE   14,325 0 0
NORFOLK SOUTHN CORP COM 655844108   30,317 122 SH   DFND   122 0 0
NORFOLK SOUTHN CORP COM 655844108   1,124,960 4,527 SH   SOLE   4,527 0 0
NUCOR CORP COM 670346105   13,831 92 SH   DFND   92 0 0
NUCOR CORP COM 670346105   322,028 2,142 SH   SOLE   2,142 0 0
NVIDIA CORPORATION COM 67066G104   115,368 950 SH   DFND   950 0 0
NVIDIA CORPORATION COM 67066G104   9,628,370 79,285 SH   SOLE   79,285 0 0
ORACLE CORP COM 68389X105   22,493 132 SH   DFND   132 0 0
ORACLE CORP COM 68389X105   56,232 330 SH   DFND 2 330 0 0
ORACLE CORP COM 68389X105   359,544 2,110 SH   SOLE   2,110 0 0
OREILLY AUTOMOTIVE INC COM 67103H107   254,504 221 SH   SOLE   221 0 0
PACCAR INC COM 693718108   1,428,393 14,475 SH   SOLE   14,475 0 0
PALO ALTO NETWORKS INC COM 697435105   39,307 115 SH   DFND   115 0 0
PALO ALTO NETWORKS INC COM 697435105   2,383,713 6,974 SH   SOLE   6,974 0 0
PARKER-HANNIFIN CORP COM 701094104   115,623 183 SH   DFND   183 0 0
PARKER-HANNIFIN CORP COM 701094104   40,436 64 SH   DFND 2 64 0 0
PARKER-HANNIFIN CORP COM 701094104   3,438,996 5,443 SH   SOLE   5,443 0 0
PEPSICO INC COM 713448108   225,316 1,325 SH   DFND   325 0 1,000
PEPSICO INC COM 713448108   85,025 500 SH   DFND 2 500 0 0
PEPSICO INC COM 713448108   1,933,298 11,369 SH   SOLE   11,369 0 0
PHILLIPS 66 COM 718546104   38,383 292 SH   DFND   292 0 0
PHILLIPS 66 COM 718546104   1,275,591 9,704 SH   SOLE   9,704 0 0
PNC FINL SVCS GROUP INC COM 693475105   34,012 184 SH   DFND   184 0 0
PNC FINL SVCS GROUP INC COM 693475105   2,019,856 10,927 SH   SOLE   10,927 0 0
PPG INDS INC COM 693506107   30,068 227 SH   DFND   227 0 0
PPG INDS INC COM 693506107   1,185,782 8,952 SH   SOLE   8,952 0 0
PROCTER AND GAMBLE CO COM 742718109   536,054 3,095 SH   DFND   100 0 2,995
PROCTER AND GAMBLE CO COM 742718109   12,990 75 SH   DFND 2 75 0 0
PROCTER AND GAMBLE CO COM 742718109   2,401,591 13,866 SH   SOLE   13,866 0 0
PROLOGIS INC. COM 74340W103   14,017 111 SH   DFND   111 0 0
PROLOGIS INC. COM 74340W103   619,277 4,904 SH   SOLE   4,904 0 0
PUBLIC STORAGE OPER CO COM 74460D109   48,759 134 SH   DFND   134 0 0
PUBLIC STORAGE OPER CO COM 74460D109   1,722,924 4,735 SH   SOLE   4,735 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   18,110 203 SH   DFND   203 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   635,889 7,128 SH   SOLE   7,128 0 0
QUALCOMM INC COM 747525103   5,952 35 SH   DFND   35 0 0
QUALCOMM INC COM 747525103   263,748 1,551 SH   SOLE   1,551 0 0
REGENERON PHARMACEUTICALS COM 75886F107   39,947 38 SH   DFND   38 0 0
REGENERON PHARMACEUTICALS COM 75886F107   1,459,121 1,388 SH   SOLE   1,388 0 0
REPUBLIC SVCS INC COM 760759100   351,872 1,752 SH   SOLE   1,752 0 0
SALESFORCE INC COM 79466L302   41,057 150 SH   DFND   150 0 0
SALESFORCE INC COM 79466L302   2,068,700 7,558 SH   SOLE   7,558 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   279,723 2,685 SH   SOLE   2,685 0 0
SERVICENOW INC COM 81762P102   49,191 55 SH   DFND   55 0 0
SERVICENOW INC COM 81762P102   2,492,665 2,787 SH   SOLE   2,787 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   635,152 1,107 SH   SOLE   1,107 0 0
STRYKER CORPORATION COM 863667101   41,545 115 SH   DFND   115 0 0
STRYKER CORPORATION COM 863667101   1,898,060 5,254 SH   SOLE   5,254 0 0
TAPESTRY INC COM 876030107   8,081 172 SH   DFND   172 0 0
TAPESTRY INC COM 876030107   199,900 4,255 SH   SOLE   4,255 0 0
TARGET CORP COM 87612E106   21,041 135 SH   DFND   135 0 0
TARGET CORP COM 87612E106   348,971 2,239 SH   SOLE   2,239 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   60,620 98 SH   DFND   98 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   2,812,638 4,547 SH   SOLE   4,547 0 0
TJX COS INC NEW COM 872540109   281,978 2,399 SH   SOLE   2,399 0 0
TORONTO DOMINION BK ONT COM NEW 891160509   237,225 3,750 SH   SOLE   3,750 0 0
UNION PAC CORP COM 907818108   367,255 1,490 SH   DFND   27 0 1,463
UNION PAC CORP COM 907818108   472,009 1,915 SH   SOLE   1,915 0 0
UNITED RENTALS INC COM 911363109   79,354 98 SH   DFND   98 0 0
UNITED RENTALS INC COM 911363109   2,906,931 3,590 SH   SOLE   3,590 0 0
UNITEDHEALTH GROUP INC COM 91324P102   55,545 95 SH   DFND   95 0 0
UNITEDHEALTH GROUP INC COM 91324P102   3,125,699 5,346 SH   SOLE   5,346 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   253,541 961 SH   SOLE   961 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   294,306 3,021 SH   SOLE   3,021 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,044,382 20,430 SH   SOLE   20,430 0 0
VEEVA SYS INC CL A COM 922475108   13,642 65 SH   DFND   65 0 0
VEEVA SYS INC CL A COM 922475108   758,470 3,614 SH   SOLE   3,614 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   51,691 1,151 SH   DFND   1,151 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   2,374,796 52,879 SH   SOLE   52,879 0 0
VISA INC COM CL A 92826C839   48,116 175 SH   DFND   175 0 0
VISA INC COM CL A 92826C839   2,594,153 9,435 SH   SOLE   9,435 0 0
VISTRA CORP COM 92840M102   448,081 3,780 SH   SOLE   3,780 0 0
WALMART INC COM 931142103   12,597 156 SH   DFND   156 0 0
WALMART INC COM 931142103   631,869 7,825 SH   SOLE   7,825 0 0
ZOETIS INC CL A 98978V103   245,397 1,256 SH   SOLE   1,256 0 0