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   137,210 1,000 SH   DFND   0 0 1,000
3M CO COM 88579Y101   351,258 2,560 SH   SOLE   2,560 0 0
ABBOTT LABS COM 002824100   39,783 352 SH   DFND   352 0 0
ABBOTT LABS COM 002824100   89,060 788 SH   DFND 2 788 0 0
ABBOTT LABS COM 002824100   1,105,449 9,781 SH   SOLE   9,781 0 0
ABBVIE INC COM 00287Y109   457,483 2,606 SH   SOLE   2,606 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   8,725 25 SH   DFND   25 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   1,420,738 4,071 SH   SOLE   4,071 0 0
ADOBE INC COM 00724F101   10,318 25 SH   DFND   25 0 0
ADOBE INC COM 00724F101   1,317,783 3,193 SH   SOLE   3,193 0 0
ADVANCED MICRO DEVICES INC COM 007903107   313,327 2,699 SH   SOLE   2,699 0 0
AIR PRODS & CHEMS INC COM 009158106   21,557 70 SH   DFND   70 0 0
AIR PRODS & CHEMS INC COM 009158106   34,492 112 SH   DFND 2 112 0 0
AIR PRODS & CHEMS INC COM 009158106   2,294,610 7,451 SH   SOLE   7,451 0 0
ALLSTATE CORP COM 020002101   9,341 50 SH   DFND   50 0 0
ALLSTATE CORP COM 020002101   1,645,983 8,811 SH   SOLE   8,811 0 0
ALPHABET INC CAP STK CL A 02079K305   169,746 895 SH   DFND   895 0 0
ALPHABET INC CAP STK CL A 02079K305   154,004 812 SH   DFND 2 812 0 0
ALPHABET INC CAP STK CL A 02079K305   8,579,649 45,237 SH   SOLE   45,237 0 0
ALPHABET INC CAP STK CL C 02079K107   473,231 2,477 SH   SOLE   2,477 0 0
AMAZON COM INC COM 023135106   32,664 150 SH   DFND   150 0 0
AMAZON COM INC COM 023135106   7,926,682 36,401 SH   SOLE   36,401 0 0
AMERICAN ELEC PWR CO INC COM 025537101   299,660 3,171 SH   SOLE   3,171 0 0
AMERICAN EXPRESS CO COM 025816109   12,315 41 SH   DFND   41 0 0
AMERICAN EXPRESS CO COM 025816109   673,707 2,243 SH   SOLE   2,243 0 0
AMGEN INC COM 031162100   592,161 2,217 SH   SOLE   2,217 0 0
APOLLO GLOBAL MGMT INC COM 03769M106   386,694 2,427 SH   SOLE   2,427 0 0
APPLE INC COM 037833100   226,748 972 SH   DFND   972 0 0
APPLE INC COM 037833100   65,318 280 SH   DFND 2 280 0 0
APPLE INC COM 037833100   14,449,830 61,942 SH   SOLE   61,942 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210   7,363 10 SH   DFND   10 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210   1,968,839 2,674 SH   SOLE   2,674 0 0
AUTODESK INC COM 052769106   11,475 40 SH   DFND   40 0 0
AUTODESK INC COM 052769106   1,426,891 4,974 SH   SOLE   4,974 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   52,504 180 SH   DFND   180 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   155,179 532 SH   DFND 2 532 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   808,856 2,773 SH   SOLE   2,773 0 0
BADGER METER INC COM 056525108   596,824 2,845 SH   SOLE   2,845 0 0
BANK AMERICA CORP COM 060505104   58,644 1,281 SH   DFND   1,281 0 0
BANK AMERICA CORP COM 060505104   3,328,252 72,701 SH   SOLE   72,701 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   27,002 60 SH   DFND   60 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,656,110 3,680 SH   SOLE   3,680 0 0
BERRY GLOBAL GROUP INC COM 08579W103   6,744 102 SH   DFND   102 0 0
BERRY GLOBAL GROUP INC COM 08579W103   227,916 3,447 SH   SOLE   3,447 0 0
BLACKROCK INC COM 09290D101   43,343 45 SH   DFND   45 0 0
BLACKROCK INC COM 09290D101   3,393,248 3,523 SH   SOLE   3,523 0 0
BOOKING HOLDINGS INC COM 09857L108   367,968 77 SH   SOLE   77 0 0
BROADCOM INC COM 11135F101   369,407 1,644 SH   SOLE   1,644 0 0
CAMECO CORP COM 13321L108   257,859 5,256 SH   SOLE   5,256 0 0
CANADIAN PACIFIC KANSAS CITY COM 13646K108   553,754 7,464 SH   SOLE   7,464 0 0
CATERPILLAR INC COM 149123101   67,254 181 SH   DFND   181 0 0
CATERPILLAR INC COM 149123101   2,635,546 7,093 SH   SOLE   7,093 0 0
CHEVRON CORP NEW COM 166764100   232,526 1,482 SH   DFND   282 0 1,200
CHEVRON CORP NEW COM 166764100   3,167,340 20,187 SH   SOLE   20,187 0 0
CHUBB LIMITED COM H1467J104   857,863 3,231 SH   SOLE   3,231 0 0
CISCO SYS INC COM 17275R102   49,066 827 SH   DFND   827 0 0
CISCO SYS INC COM 17275R102   100,861 1,700 SH   DFND 2 1,700 0 0
CISCO SYS INC COM 17275R102   391,875 6,605 SH   SOLE   6,605 0 0
CITIGROUP INC COM NEW 172967424   31,532 429 SH   DFND   429 0 0
CITIGROUP INC COM NEW 172967424   854,511 11,626 SH   SOLE   11,626 0 0
CME GROUP INC COM 12572Q105   233,352 1,007 SH   SOLE   1,007 0 0
COLGATE PALMOLIVE CO COM 194162103   254,243 2,900 SH   DFND   0 0 2,900
COLGATE PALMOLIVE CO COM 194162103   46,728 533 SH   SOLE   533 0 0
CONOCOPHILLIPS COM 20825C104   16,781 160 SH   DFND   160 0 0
CONOCOPHILLIPS COM 20825C104   757,863 7,226 SH   SOLE   7,226 0 0
CONSTELLATION BRANDS INC CL A 21036P108   4,737 26 SH   DFND   26 0 0
CONSTELLATION BRANDS INC CL A 21036P108   212,810 1,168 SH   SOLE   1,168 0 0
COSTCO WHSL CORP NEW COM 22160K105   22,931 25 SH   DFND   25 0 0
COSTCO WHSL CORP NEW COM 22160K105   4,111,025 4,482 SH   SOLE   4,482 0 0
CROWDSTRIKE HLDGS INC CL A 22788C105   17,402 50 SH   DFND   50 0 0
CROWDSTRIKE HLDGS INC CL A 22788C105   1,619,778 4,654 SH   SOLE   4,654 0 0
CROWN CASTLE INC COM 22822V101   4,334 50 SH   DFND   50 0 0
CROWN CASTLE INC COM 22822V101   535,447 6,178 SH   SOLE   6,178 0 0
CUMMINS INC COM 231021106   18,213 50 SH   DFND   50 0 0
CUMMINS INC COM 231021106   1,666,080 4,574 SH   SOLE   4,574 0 0
DANAHER CORPORATION COM 235851102   35,643 150 SH   DFND   150 0 0
DANAHER CORPORATION COM 235851102   99,563 419 SH   DFND 2 419 0 0
DANAHER CORPORATION COM 235851102   176,076 741 SH   SOLE   741 0 0
DATADOG INC CL A COM 23804L103   13,916 100 SH   DFND   100 0 0
DATADOG INC CL A COM 23804L103   1,368,082 9,831 SH   SOLE   9,831 0 0
DEERE & CO COM 244199105   35,449 82 SH   DFND   82 0 0
DEERE & CO COM 244199105   2,147,284 4,967 SH   SOLE   4,967 0 0
DELL TECHNOLOGIES INC CL C 24703L202   16,032 147 SH   DFND   147 0 0
DELL TECHNOLOGIES INC CL C 24703L202   307,876 2,823 SH   SOLE   2,823 0 0
DIGITAL RLTY TR INC COM 253868103   284,310 1,635 SH   SOLE   1,635 0 0
DISNEY WALT CO COM 254687106   16,542 153 SH   DFND   153 0 0
DISNEY WALT CO COM 254687106   21,408 198 SH   DFND 2 198 0 0
DISNEY WALT CO COM 254687106   1,552,171 14,356 SH   SOLE   14,356 0 0
DOW INC COM 260557103   6,293 157 SH   DFND   157 0 0
DOW INC COM 260557103   785,568 19,600 SH   SOLE   19,600 0 0
EATON CORP PLC SHS G29183103   745,247 2,191 SH   SOLE   2,191 0 0
ELI LILLY & CO COM 532457108   3,725 5 SH   DFND   5 0 0
ELI LILLY & CO COM 532457108   3,257,491 4,373 SH   SOLE   4,373 0 0
ENPHASE ENERGY INC COM 29355A107   3,273 50 SH   DFND   50 0 0
ENPHASE ENERGY INC COM 29355A107   553,969 8,464 SH   SOLE   8,464 0 0
EOG RES INC COM 26875P101   6,653 49 SH   DFND   49 0 0
EOG RES INC COM 26875P101   229,994 1,694 SH   SOLE   1,694 0 0
EXXON MOBIL CORP COM 30231G102   614,432 5,600 SH   DFND   0 0 5,600
EXXON MOBIL CORP COM 30231G102   514,367 4,688 SH   SOLE   4,688 0 0
FEDEX CORP COM 31428X106   6,108 22 SH   DFND   22 0 0
FEDEX CORP COM 31428X106   627,421 2,260 SH   SOLE   2,260 0 0
GENERAL MLS INC COM 370334104   2,775,709 47,222 SH   DFND   0 0 47,222
GENERAL MLS INC COM 370334104   108,743 1,850 SH   SOLE   1,850 0 0
GERON CORP COM 374163103   29,400 10,000 SH   SOLE   10,000 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   207,465 363 SH   SOLE   363 0 0
HCA HEALTHCARE INC COM 40412C101   35,166 115 SH   DFND   115 0 0
HCA HEALTHCARE INC COM 40412C101   2,078,149 6,796 SH   SOLE   6,796 0 0
HOME DEPOT INC COM 437076102   9,820 25 SH   DFND   25 0 0
HOME DEPOT INC COM 437076102   2,414,811 6,148 SH   SOLE   6,148 0 0
HONEYWELL INTL INC COM 438516106   280,117 1,282 SH   SOLE   1,282 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   10,017 46 SH   DFND   46 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   532,617 2,446 SH   SOLE   2,446 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   40,416 75 SH   DFND   75 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   1,515,331 2,812 SH   SOLE   2,812 0 0
ISHARES INC CORE MSCI EMKT 46434G103   78,149 1,521 SH   DFND   1,521 0 0
ISHARES INC CORE MSCI EMKT 46434G103   9,310,621 181,211 SH   SOLE   181,211 0 0
ISHARES INC MSCI EMRG CHN 46434G764   174,543 3,158 SH   DFND   3,158 0 0
ISHARES INC MSCI EMRG CHN 46434G764   9,895,596 179,041 SH   SOLE   179,041 0 0
ISHARES TR SELECT DIVID ETF 464287168   229,460 1,750 SH   SOLE   1,750 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   333,632 2,910 SH   DFND   2,910 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   11,796,912 102,895 SH   SOLE   102,895 0 0
ISHARES TR CORE US AGGBD ET 464287226   891,684 9,300 SH   DFND   9,300 0 0
ISHARES TR CORE US AGGBD ET 464287226   1,994,975 20,807 SH   SOLE   20,807 0 0
ISHARES TR CALIF MUN BD ETF 464288356   2,043,509 36,226 SH   SOLE   36,226 0 0
ISHARES TR CORE MSCI EAFE 46432F842   7,814,383 111,986 SH   SOLE   111,986 0 0
ISHARES TR CORE S&P MCP ETF 464287507   775,815 12,295 SH   SOLE   12,295 0 0
ISHARES TR US TREAS BD ETF 46429B267   9,545 429 SH   DFND   429 0 0
ISHARES TR US TREAS BD ETF 46429B267   291,008 13,079 SH   SOLE   13,079 0 0
ISHARES TR U.S. TECH ETF 464287721   501,120 3,200 SH   SOLE   3,200 0 0
ISHARES TR MSCI KLD400 SOC 464288570   4,650,137 42,436 SH   SOLE   42,436 0 0
ISHARES TR NATIONAL MUN ETF 464288414   1,924,639 18,269 SH   SOLE   18,269 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   975,205 2,467 SH   SOLE   2,467 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   760,918 4,073 SH   SOLE   4,073 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   21,972 100 SH   DFND   100 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   50,536 230 SH   DFND 2 230 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   684,867 3,117 SH   SOLE   3,117 0 0
ISHARES TR CORE S&P500 ETF 464287200   175,497 300 SH   DFND   300 0 0
ISHARES TR CORE S&P500 ETF 464287200   13,233,644 22,622 SH   SOLE   22,622 0 0
ISHARES TR S&P MC 400GR ETF 464287606   175,484 1,900 SH   DFND   1,900 0 0
ISHARES TR S&P MC 400GR ETF 464287606   1,952,398 21,139 SH   SOLE   21,139 0 0
ISHARES TR S&P MC 400VL ETF 464287705   119,881 950 SH   DFND   950 0 0
ISHARES TR S&P MC 400VL ETF 464287705   1,638,199 12,982 SH   SOLE   12,982 0 0
ISHARES TR SP SMCP600VL ETF 464287879   104,220 965 SH   DFND   965 0 0
ISHARES TR SP SMCP600VL ETF 464287879   1,169,100 10,825 SH   SOLE   10,825 0 0
ISHARES TR S&P SML 600 GWT 464287887   81,630 600 SH   DFND   600 0 0
ISHARES TR S&P SML 600 GWT 464287887   1,044,048 7,674 SH   SOLE   7,674 0 0
ISHARES TR MSCI EAFE ETF 464287465   540,864 7,200 SH   DFND   7,200 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,252,326 16,671 SH   SOLE   16,671 0 0
ISHARES TR CORE S&P SCP ETF 464287804   1,356,681 11,788 SH   SOLE   11,788 0 0
ISHARES TR 10-20 YR TRS ETF 464288653   24,313 250 SH   DFND   250 0 0
ISHARES TR 10-20 YR TRS ETF 464288653   2,254,255 23,180 SH   SOLE   23,180 0 0
ISHARES U S ETF TR SHORT DURATION B 46431W507   560,912 11,127 SH   SOLE   11,127 0 0
JOHNSON & JOHNSON COM 478160104   263,735 1,822 SH   DFND   222 0 1,600
JOHNSON & JOHNSON COM 478160104   21,713 150 SH   DFND 2 150 0 0
JOHNSON & JOHNSON COM 478160104   2,689,889 18,583 SH   SOLE   18,583 0 0
JOHNSON CTLS INTL PLC SHS G51502105   428,803 5,346 SH   SOLE   5,346 0 0
JPMORGAN CHASE & CO. COM 46625H100   125,962 509 SH   DFND   509 0 0
JPMORGAN CHASE & CO. COM 46625H100   98,988 400 SH   DFND 2 400 0 0
JPMORGAN CHASE & CO. COM 46625H100   5,934,578 23,981 SH   SOLE   23,981 0 0
KENVUE INC COM 49177J102   253,748 12,066 SH   SOLE   12,066 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109   7,521 35 SH   DFND   35 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109   751,470 3,497 SH   SOLE   3,497 0 0
LAM RESEARCH CORP COM NEW 512807306   63,050 840 SH   DFND   840 0 0
LAM RESEARCH CORP COM NEW 512807306   3,201,309 42,650 SH   SOLE   42,650 0 0
LOCKHEED MARTIN CORP COM 539830109   15,987 33 SH   DFND   33 0 0
LOCKHEED MARTIN CORP COM 539830109   751,397 1,551 SH   SOLE   1,551 0 0
LULULEMON ATHLETICA INC COM 550021109   11,662 30 SH   DFND   30 0 0
LULULEMON ATHLETICA INC COM 550021109   758,043 1,950 SH   SOLE   1,950 0 0
M & T BK CORP COM 55261F104   327,244 1,678 SH   SOLE   1,678 0 0
MARSH & MCLENNAN COS INC COM 571748102   10,242 48 SH   DFND   48 0 0
MARSH & MCLENNAN COS INC COM 571748102   294,877 1,382 SH   SOLE   1,382 0 0
MASTERCARD INCORPORATED CL A 57636Q104   10,180 20 SH   DFND   20 0 0
MASTERCARD INCORPORATED CL A 57636Q104   25,451 50 SH   DFND 2 50 0 0
MASTERCARD INCORPORATED CL A 57636Q104   434,194 853 SH   SOLE   853 0 0
MCDONALDS CORP COM 580135101   28,158 100 SH   DFND   100 0 0
MCDONALDS CORP COM 580135101   2,442,988 8,676 SH   SOLE   8,676 0 0
MEDTRONIC PLC SHS G5960L103   7,417 87 SH   DFND   87 0 0
MEDTRONIC PLC SHS G5960L103   18,073 212 SH   DFND 2 212 0 0
MEDTRONIC PLC SHS G5960L103   264,446 3,102 SH   SOLE   3,102 0 0
MERCK & CO INC COM 58933Y105   21,325 214 SH   DFND   214 0 0
MERCK & CO INC COM 58933Y105   1,702,321 17,083 SH   SOLE   17,083 0 0
META PLATFORMS INC CL A 30303M102   1,940,226 3,265 SH   SOLE   3,265 0 0
MICROSOFT CORP COM 594918104   279,330 672 SH   DFND   672 0 0
MICROSOFT CORP COM 594918104   101,839 245 SH   DFND 2 245 0 0
MICROSOFT CORP COM 594918104   15,588,872 37,503 SH   SOLE   37,503 0 0
MONDELEZ INTL INC CL A 609207105   533,314 9,340 SH   SOLE   9,340 0 0
MORGAN STANLEY COM NEW 617446448   21,435 172 SH   DFND   172 0 0
MORGAN STANLEY COM NEW 617446448   1,680,750 13,487 SH   SOLE   13,487 0 0
NETFLIX INC COM 64110L106   12,426 15 SH   DFND   15 0 0
NETFLIX INC COM 64110L106   1,455,499 1,757 SH   SOLE   1,757 0 0
NEXTERA ENERGY INC COM 65339F101   6,798 100 SH   DFND   100 0 0
NEXTERA ENERGY INC COM 65339F101   1,037,579 15,263 SH   SOLE   15,263 0 0
NIKE INC CL B 654106103   10,676 150 SH   DFND   150 0 0
NIKE INC CL B 654106103   1,114,593 15,661 SH   SOLE   15,661 0 0
NORFOLK SOUTHN CORP COM 655844108   17,225 72 SH   DFND   72 0 0
NORFOLK SOUTHN CORP COM 655844108   1,214,861 5,078 SH   SOLE   5,078 0 0
NUCOR CORP COM 670346105   11,201 92 SH   DFND   92 0 0
NUCOR CORP COM 670346105   257,745 2,117 SH   SOLE   2,117 0 0
NVIDIA CORPORATION COM 67066G104   65,880 500 SH   DFND   500 0 0
NVIDIA CORPORATION COM 67066G104   10,200,069 77,414 SH   SOLE   77,414 0 0
ORACLE CORP COM 68389X105   20,633 132 SH   DFND   132 0 0
ORACLE CORP COM 68389X105   51,582 330 SH   DFND 2 330 0 0
ORACLE CORP COM 68389X105   413,753 2,647 SH   SOLE   2,647 0 0
OREILLY AUTOMOTIVE INC COM 67103H107   302,287 251 SH   SOLE   251 0 0
PACCAR INC COM 693718108   1,595,145 14,475 SH   SOLE   14,475 0 0
PALO ALTO NETWORKS INC COM 697435105   25,587 150 SH   DFND   150 0 0
PALO ALTO NETWORKS INC COM 697435105   2,261,720 13,259 SH   SOLE   13,259 0 0
PARKER-HANNIFIN CORP COM 701094104   102,228 158 SH   DFND   158 0 0
PARKER-HANNIFIN CORP COM 701094104   41,409 64 SH   DFND 2 64 0 0
PARKER-HANNIFIN CORP COM 701094104   3,453,092 5,337 SH   SOLE   5,337 0 0
PEPSICO INC COM 713448108   181,188 1,250 SH   DFND   250 0 1,000
PEPSICO INC COM 713448108   72,475 500 SH   DFND 2 500 0 0
PEPSICO INC COM 713448108   2,054,956 14,177 SH   SOLE   14,177 0 0
PFIZER INC COM 717081103   62,433 2,364 SH   DFND   0 0 2,364
PFIZER INC COM 717081103   200,161 7,579 SH   SOLE   7,579 0 0
PHILLIPS 66 COM 718546104   22,516 192 SH   DFND   192 0 0
PHILLIPS 66 COM 718546104   1,221,602 10,417 SH   SOLE   10,417 0 0
PNC FINL SVCS GROUP INC COM 693475105   21,332 109 SH   DFND   109 0 0
PNC FINL SVCS GROUP INC COM 693475105   2,281,783 11,659 SH   SOLE   11,659 0 0
PPG INDS INC COM 693506107   14,799 127 SH   DFND   127 0 0
PPG INDS INC COM 693506107   1,091,770 9,369 SH   SOLE   9,369 0 0
PROCTER AND GAMBLE CO COM 742718109   486,408 3,045 SH   DFND   50 0 2,995
PROCTER AND GAMBLE CO COM 742718109   11,981 75 SH   DFND 2 75 0 0
PROCTER AND GAMBLE CO COM 742718109   2,536,831 15,881 SH   SOLE   15,881 0 0
PROLOGIS INC. COM 74340W103   12,001 111 SH   DFND   111 0 0
PROLOGIS INC. COM 74340W103   591,200 5,468 SH   SOLE   5,468 0 0
PUBLIC STORAGE OPER CO COM 74460D109   24,358 84 SH   DFND   84 0 0
PUBLIC STORAGE OPER CO COM 74460D109   1,449,610 4,999 SH   SOLE   4,999 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   17,267 203 SH   DFND   203 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   610,731 7,180 SH   SOLE   7,180 0 0
QUALCOMM INC COM 747525103   5,584 35 SH   DFND   35 0 0
QUALCOMM INC COM 747525103   258,120 1,618 SH   SOLE   1,618 0 0
REGENERON PHARMACEUTICALS COM 75886F107   15,890 23 SH   DFND   23 0 0
REGENERON PHARMACEUTICALS COM 75886F107   1,043,905 1,511 SH   SOLE   1,511 0 0
REPUBLIC SVCS INC COM 760759100   374,256 1,808 SH   SOLE   1,808 0 0
RTX CORPORATION COM 75513E101   23,894 200 SH   DFND   200 0 0
RTX CORPORATION COM 75513E101   47,788 400 SH   DFND 2 400 0 0
RTX CORPORATION COM 75513E101   168,931 1,414 SH   SOLE   1,414 0 0
SALESFORCE INC COM 79466L302   32,354 100 SH   DFND   100 0 0
SALESFORCE INC COM 79466L302   2,362,813 7,303 SH   SOLE   7,303 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   295,457 10,740 SH   SOLE   10,740 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   37,808 166 SH   DFND   166 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   78,805 346 SH   DFND 2 346 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   188,130 826 SH   SOLE   826 0 0
SERVICENOW INC COM 81762P102   25,782 25 SH   DFND   25 0 0
SERVICENOW INC COM 81762P102   2,788,608 2,704 SH   SOLE   2,704 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   514,074 883 SH   SOLE   883 0 0
STARBUCKS CORP COM 855244109   229,231 2,463 SH   SOLE   2,463 0 0
STRYKER CORPORATION COM 863667101   18,140 50 SH   DFND   50 0 0
STRYKER CORPORATION COM 863667101   1,983,065 5,466 SH   SOLE   5,466 0 0
TAPESTRY INC COM 876030107   11,638 172 SH   DFND   172 0 0
TAPESTRY INC COM 876030107   291,885 4,314 SH   SOLE   4,314 0 0
TARGET CORP COM 87612E106   18,423 135 SH   DFND   135 0 0
TARGET CORP COM 87612E106   380,069 2,785 SH   SOLE   2,785 0 0
TESLA INC COM 88160R101   208,882 527 SH   SOLE   527 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   35,090 63 SH   DFND   63 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   2,691,376 4,832 SH   SOLE   4,832 0 0
TJX COS INC NEW COM 872540109   312,051 2,617 SH   SOLE   2,617 0 0
UNION PAC CORP COM 907818108   341,776 1,490 SH   DFND   27 0 1,463
UNION PAC CORP COM 907818108   478,257 2,085 SH   SOLE   2,085 0 0
UNITED RENTALS INC COM 911363109   56,929 78 SH   DFND   78 0 0
UNITED RENTALS INC COM 911363109   2,543,562 3,485 SH   SOLE   3,485 0 0
UNITEDHEALTH GROUP INC COM 91324P102   29,906 55 SH   DFND   55 0 0
UNITEDHEALTH GROUP INC COM 91324P102   3,179,248 5,847 SH   SOLE   5,847 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   256,318 961 SH   SOLE   961 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   269,598 3,085 SH   SOLE   3,085 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,012,102 20,430 SH   SOLE   20,430 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   236,996 4,981 SH   SOLE   4,981 0 0
VEEVA SYS INC CL A COM 922475108   7,380 35 SH   DFND   35 0 0
VEEVA SYS INC CL A COM 922475108   806,329 3,824 SH   SOLE   3,824 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   34,490 901 SH   DFND   901 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   2,235,246 58,392 SH   SOLE   58,392 0 0
VISA INC COM CL A 92826C839   30,909 100 SH   DFND   100 0 0
VISA INC COM CL A 92826C839   3,030,627 9,805 SH   SOLE   9,805 0 0
VISTRA CORP COM 92840M102   618,951 3,630 SH   SOLE   3,630 0 0
WALMART INC COM 931142103   14,163 156 SH   DFND   156 0 0
WALMART INC COM 931142103   815,022 8,977 SH   SOLE   8,977 0 0