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   153,740 1,000 SH   DFND   0 0 1,000
3M CO COM 88579Y101   393,574 2,560 SH   SOLE   2,560 0 0
ABBOTT LABS COM 002824100   53,611 402 SH   DFND   402 0 0
ABBOTT LABS COM 002824100   105,088 788 SH   DFND 2 788 0 0
ABBOTT LABS COM 002824100   1,713,409 12,848 SH   SOLE   12,848 0 0
ABBVIE INC COM 00287Y109   480,118 2,530 SH   SOLE   2,530 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   7,583 25 SH   DFND   25 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   1,327,979 4,378 SH   SOLE   4,378 0 0
ADOBE INC COM 00724F101   9,556 25 SH   DFND   25 0 0
ADOBE INC COM 00724F101   1,503,732 3,934 SH   SOLE   3,934 0 0
ADVANCED MICRO DEVICES INC COM 007903107   772,619 5,606 SH   SOLE   5,606 0 0
AIR PRODS & CHEMS INC COM 009158106   20,465 70 SH   DFND   70 0 0
AIR PRODS & CHEMS INC COM 009158106   32,743 112 SH   DFND 2 112 0 0
AIR PRODS & CHEMS INC COM 009158106   2,318,920 7,932 SH   SOLE   7,932 0 0
ALLSTATE CORP COM 020002101   9,670 50 SH   DFND   50 0 0
ALLSTATE CORP COM 020002101   1,784,502 9,227 SH   SOLE   9,227 0 0
ALPHABET INC CAP STK CL A 02079K305   147,334 845 SH   DFND   845 0 0
ALPHABET INC CAP STK CL A 02079K305   141,580 812 SH   DFND 2 812 0 0
ALPHABET INC CAP STK CL A 02079K305   8,352,367 47,903 SH   SOLE   47,903 0 0
ALPHABET INC CAP STK CL C 02079K107   489,923 2,797 SH   SOLE   2,797 0 0
ALTRIA GROUP INC COM 02209S103   207,378 3,483 SH   SOLE   3,483 0 0
AMAZON COM INC COM 023135106   32,904 150 SH   DFND   150 0 0
AMAZON COM INC COM 023135106   9,182,190 41,859 SH   SOLE   41,859 0 0
AMERICAN ELEC PWR CO INC COM 025537101   424,573 4,084 SH   SOLE   4,084 0 0
AMERICAN EXPRESS CO COM 025816109   12,996 41 SH   DFND   41 0 0
AMERICAN EXPRESS CO COM 025816109   817,174 2,578 SH   SOLE   2,578 0 0
AMGEN INC COM 031162100   626,373 2,109 SH   SOLE   2,109 0 0
APOLLO GLOBAL MGMT INC COM 03769M106   519,136 3,580 SH   SOLE   3,580 0 0
APPLE INC COM 037833100   204,130 972 SH   DFND   972 0 0
APPLE INC COM 037833100   58,803 280 SH   DFND 2 280 0 0
APPLE INC COM 037833100   12,957,197 61,698 SH   SOLE   61,698 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210   7,941 10 SH   DFND   10 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210   2,630,059 3,312 SH   SOLE   3,312 0 0
AUTODESK INC COM 052769106   12,596 40 SH   DFND   40 0 0
AUTODESK INC COM 052769106   1,529,203 4,856 SH   SOLE   4,856 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   55,242 180 SH   DFND   180 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   163,271 532 SH   DFND 2 532 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   901,365 2,937 SH   SOLE   2,937 0 0
BADGER METER INC COM 056525108   592,520 2,490 SH   SOLE   2,490 0 0
BANK AMERICA CORP COM 060505104   60,399 1,281 SH   DFND   1,281 0 0
BANK AMERICA CORP COM 060505104   3,554,214 75,381 SH   SOLE   75,381 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   28,648 60 SH   DFND   60 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,409,014 2,951 SH   SOLE   2,951 0 0
BLACKROCK INC COM 09290D101   48,376 45 SH   DFND   45 0 0
BLACKROCK INC COM 09290D101   3,972,199 3,695 SH   SOLE   3,695 0 0
BOOKING HOLDINGS INC COM 09857L108   434,213 76 SH   SOLE   76 0 0
BORGWARNER INC COM 099724106   5,389 153 SH   DFND   153 0 0
BORGWARNER INC COM 099724106   233,685 6,635 SH   SOLE   6,635 0 0
BROADCOM INC COM 11135F101   8,154 30 SH   DFND   30 0 0
BROADCOM INC COM 11135F101   1,246,747 4,587 SH   SOLE   4,587 0 0
CAMECO CORP COM 13321L108   561,276 7,802 SH   SOLE   7,802 0 0
CANADIAN PACIFIC KANSAS CITY COM 13646K108   595,963 7,384 SH   SOLE   7,384 0 0
CATERPILLAR INC COM 149123101   47,709 121 SH   DFND   121 0 0
CATERPILLAR INC COM 149123101   2,740,710 6,951 SH   SOLE   6,951 0 0
CHEVRON CORP NEW COM 166764100   227,102 1,482 SH   DFND   282 0 1,200
CHEVRON CORP NEW COM 166764100   3,352,125 21,875 SH   SOLE   21,875 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105   248,194 4,476 SH   SOLE   4,476 0 0
CHUBB LIMITED COM H1467J104   9,798 35 SH   DFND   35 0 0
CHUBB LIMITED COM H1467J104   1,216,943 4,347 SH   SOLE   4,347 0 0
CISCO SYS INC COM 17275R102   56,724 827 SH   DFND   827 0 0
CISCO SYS INC COM 17275R102   116,603 1,700 SH   DFND 2 1,700 0 0
CISCO SYS INC COM 17275R102   500,364 7,295 SH   SOLE   7,295 0 0
CITIGROUP INC COM NEW 172967424   26,013 304 SH   DFND   304 0 0
CITIGROUP INC COM NEW 172967424   755,669 8,831 SH   SOLE   8,831 0 0
CME GROUP INC COM 12572Q105   251,375 912 SH   SOLE   912 0 0
COLGATE PALMOLIVE CO COM 194162103   267,206 2,900 SH   DFND   0 0 2,900
COLGATE PALMOLIVE CO COM 194162103   11,978 130 SH   SOLE   130 0 0
COLUMBIA BKG SYS INC COM 197236102   377,100 15,000 SH   SOLE   15,000 0 0
CONOCOPHILLIPS COM 20825C104   15,326 160 SH   DFND   160 0 0
CONOCOPHILLIPS COM 20825C104   591,982 6,180 SH   SOLE   6,180 0 0
CONSTELLATION BRANDS INC CL A 21036P108   4,434 26 SH   DFND   26 0 0
CONSTELLATION BRANDS INC CL A 21036P108   296,075 1,736 SH   SOLE   1,736 0 0
COSTCO WHSL CORP NEW COM 22160K105   24,646 25 SH   DFND   25 0 0
COSTCO WHSL CORP NEW COM 22160K105   4,045,887 4,104 SH   SOLE   4,104 0 0
CROWDSTRIKE HLDGS INC CL A 22788C105   17,770 35 SH   DFND   35 0 0
CROWDSTRIKE HLDGS INC CL A 22788C105   2,199,400 4,332 SH   SOLE   4,332 0 0
CROWN CASTLE INC COM 22822V101   302,919 2,953 SH   SOLE   2,953 0 0
CUMMINS INC COM 231021106   16,538 50 SH   DFND   50 0 0
CUMMINS INC COM 231021106   1,599,507 4,836 SH   SOLE   4,836 0 0
DANAHER CORPORATION COM 235851102   30,102 150 SH   DFND   150 0 0
DANAHER CORPORATION COM 235851102   84,085 419 SH   DFND 2 419 0 0
DANAHER CORPORATION COM 235851102   157,534 785 SH   SOLE   785 0 0
DATADOG INC CL A COM 23804L103   14,594 100 SH   DFND   100 0 0
DATADOG INC CL A COM 23804L103   1,674,078 11,471 SH   SOLE   11,471 0 0
DEERE & CO COM 244199105   31,552 62 SH   DFND   62 0 0
DEERE & CO COM 244199105   2,495,186 4,903 SH   SOLE   4,903 0 0
DIGITAL RLTY TR INC COM 253868103   6,832 40 SH   DFND   40 0 0
DIGITAL RLTY TR INC COM 253868103   772,870 4,525 SH   SOLE   4,525 0 0
DISNEY WALT CO COM 254687106   18,638 153 SH   DFND   153 0 0
DISNEY WALT CO COM 254687106   24,120 198 SH   DFND 2 198 0 0
DISNEY WALT CO COM 254687106   1,645,301 13,506 SH   SOLE   13,506 0 0
DOW INC COM 260557103   1,656 57 SH   DFND   57 0 0
DOW INC COM 260557103   255,002 8,775 SH   SOLE   8,775 0 0
EATON CORP PLC SHS G29183103   652,559 1,828 SH   SOLE   1,828 0 0
ELI LILLY & CO COM 532457108   15,553 20 SH   DFND   20 0 0
ELI LILLY & CO COM 532457108   3,825,310 4,919 SH   SOLE   4,919 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107   570,833 17,996 SH   SOLE   17,996 0 0
EOG RES INC COM 26875P101   6,074 49 SH   DFND   49 0 0
EOG RES INC COM 26875P101   275,169 2,220 SH   SOLE   2,220 0 0
EXXON MOBIL CORP COM 30231G102   639,464 5,600 SH   DFND   0 0 5,600
EXXON MOBIL CORP COM 30231G102   467,951 4,098 SH   SOLE   4,098 0 0
FEDEX CORP COM 31428X106   5,252 22 SH   DFND   22 0 0
FEDEX CORP COM 31428X106   551,181 2,309 SH   SOLE   2,309 0 0
GENERAL MLS INC COM 370334104   2,447,988 47,222 SH   DFND   0 0 47,222
GENERAL MLS INC COM 370334104   95,904 1,850 SH   SOLE   1,850 0 0
GERON CORP COM 374163103   13,900 10,000 SH   SOLE   10,000 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   354,218 508 SH   SOLE   508 0 0
HCA HEALTHCARE INC COM 40412C101   43,424 115 SH   DFND   115 0 0
HCA HEALTHCARE INC COM 40412C101   2,827,091 7,487 SH   SOLE   7,487 0 0
HOME DEPOT INC COM 437076102   9,188 25 SH   DFND   25 0 0
HOME DEPOT INC COM 437076102   2,282,543 6,211 SH   SOLE   6,211 0 0
HONEYWELL INTL INC COM 438516106   334,521 1,395 SH   SOLE   1,395 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104   13,574 75 SH   DFND   75 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104   1,071,583 5,921 SH   SOLE   5,921 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   13,359 46 SH   DFND   46 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   901,173 3,103 SH   SOLE   3,103 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   18,456 35 SH   DFND   35 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   1,467,476 2,783 SH   SOLE   2,783 0 0
ISHARES INC CORE MSCI EMKT 46434G103   236,475 3,936 SH   DFND   3,936 0 0
ISHARES INC CORE MSCI EMKT 46434G103   12,912,814 214,927 SH   SOLE   214,697 0 230
ISHARES INC MSCI EMRG CHN 46434G764   239,880 3,783 SH   DFND   3,783 0 0
ISHARES INC MSCI EMRG CHN 46434G764   13,485,151 212,666 SH   SOLE   212,445 0 221
ISHARES TR SELECT DIVID ETF 464287168   213,457 1,570 SH   SOLE   1,570 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   462,640 3,925 SH   DFND   3,925 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   14,003,663 118,806 SH   SOLE   118,657 0 149
ISHARES TR CORE US AGGBD ET 464287226   2,669,443 27,217 SH   SOLE   27,217 0 0
ISHARES TR CALIF MUN BD ETF 464288356   3,392,604 61,051 SH   SOLE   61,051 0 0
ISHARES TR CORE MSCI EAFE 46432F842   249,840 3,000 SH   DFND   3,000 0 0
ISHARES TR CORE MSCI EAFE 46432F842   11,241,051 134,979 SH   SOLE   134,979 0 0
ISHARES TR CORE S&P MCP ETF 464287507   712,728 11,240 SH   SOLE   11,240 0 0
ISHARES TR U.S. TECH ETF 464287721   559,584 3,200 SH   SOLE   3,200 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516   216,188 2,434 SH   SOLE   2,434 0 0
ISHARES TR ESG MSCI KLD 400 464288570   4,464,293 38,261 SH   SOLE   38,261 0 0
ISHARES TR NATIONAL MUN ETF 464288414   1,983,052 19,044 SH   SOLE   19,044 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   1,347,453 3,171 SH   SOLE   3,171 0 0
ISHARES TR RUS 1000 ETF 464287622   520,056 1,525 SH   SOLE   1,525 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   923,407 4,718 SH   SOLE   4,718 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   22,125 100 SH   DFND   100 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   50,888 230 SH   DFND 2 230 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   714,859 3,231 SH   SOLE   3,231 0 0
ISHARES TR CORE S&P500 ETF 464287200   118,433 190 SH   DFND   190 0 0
ISHARES TR CORE S&P500 ETF 464287200   12,382,450 19,865 SH   SOLE   19,836 0 29
ISHARES TR S&P MC 400GR ETF 464287606   1,615,809 17,489 SH   SOLE   17,489 0 0
ISHARES TR S&P MC 400VL ETF 464287705   143,235 1,125 SH   DFND   1,125 0 0
ISHARES TR S&P MC 400VL ETF 464287705   2,127,899 16,713 SH   SOLE   16,713 0 0
ISHARES TR SP SMCP600VL ETF 464287879   140,868 1,365 SH   DFND   1,365 0 0
ISHARES TR SP SMCP600VL ETF 464287879   1,706,412 16,535 SH   SOLE   16,535 0 0
ISHARES TR S&P SML 600 GWT 464287887   94,430 700 SH   DFND   700 0 0
ISHARES TR S&P SML 600 GWT 464287887   1,346,302 9,980 SH   SOLE   9,980 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   22,266 425 SH   DFND   425 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   87,491 1,670 SH   DFND 2 1,670 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   254,563 4,859 SH   SOLE   4,859 0 0
ISHARES TR MSCI EAFE ETF 464287465   642,240 7,200 SH   DFND   7,200 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,793,455 20,106 SH   SOLE   20,106 0 0
ISHARES TR CORE S&P SCP ETF 464287804   1,264,370 11,287 SH   SOLE   11,287 0 0
ISHARES TR 10-20 YR TRS ETF 464288653   438,995 4,416 SH   SOLE   4,416 0 0
ISHARES U S ETF TR SHORT DURATION B 46431W507   359,054 7,068 SH   SOLE   7,068 0 0
JOHNSON & JOHNSON COM 478160104   287,744 1,847 SH   DFND   247 0 1,600
JOHNSON & JOHNSON COM 478160104   23,369 150 SH   DFND 2 150 0 0
JOHNSON & JOHNSON COM 478160104   3,229,527 20,730 SH   SOLE   20,730 0 0
JOHNSON CTLS INTL PLC SHS G51502105   473,062 4,484 SH   SOLE   4,484 0 0
JPMORGAN CHASE & CO. COM 46625H100   107,174 379 SH   DFND   379 0 0
JPMORGAN CHASE & CO. COM 46625H100   96,145 340 SH   DFND 2 340 0 0
JPMORGAN CHASE & CO. COM 46625H100   6,331,444 22,390 SH   SOLE   22,390 0 0
KENVUE INC COM 49177J102   314,951 15,215 SH   SOLE   15,215 0 0
KIMBERLY-CLARK CORP COM 494368103   441,373 3,359 SH   SOLE   3,359 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109   8,998 35 SH   DFND   35 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109   1,075,150 4,182 SH   SOLE   4,182 0 0
LAM RESEARCH CORP COM NEW 512807306   73,874 740 SH   DFND   740 0 0
LAM RESEARCH CORP COM NEW 512807306   4,378,544 43,860 SH   SOLE   43,860 0 0
LOCKHEED MARTIN CORP COM 539830109   15,279 33 SH   DFND   33 0 0
LOCKHEED MARTIN CORP COM 539830109   786,191 1,698 SH   SOLE   1,698 0 0
M & T BK CORP COM 55261F104   453,607 2,259 SH   SOLE   2,259 0 0
MARSH & MCLENNAN COS INC COM 571748102   10,232 48 SH   DFND   48 0 0
MARSH & MCLENNAN COS INC COM 571748102   357,699 1,678 SH   SOLE   1,678 0 0
MASTERCARD INCORPORATED CL A 57636Q104   11,249 20 SH   DFND   20 0 0
MASTERCARD INCORPORATED CL A 57636Q104   28,122 50 SH   DFND 2 50 0 0
MASTERCARD INCORPORATED CL A 57636Q104   598,999 1,065 SH   SOLE   1,065 0 0
MCDONALDS CORP COM 580135101   29,167 100 SH   DFND   100 0 0
MCDONALDS CORP COM 580135101   2,644,280 9,066 SH   SOLE   9,066 0 0
MCKESSON CORP COM 58155Q103   497,464 687 SH   SOLE   687 0 0
MEDTRONIC PLC SHS G5960L103   7,706 87 SH   DFND   87 0 0
MEDTRONIC PLC SHS G5960L103   18,779 212 SH   DFND 2 212 0 0
MEDTRONIC PLC SHS G5960L103   246,430 2,782 SH   SOLE   2,782 0 0
MERCK & CO INC COM 58933Y105   17,413 214 SH   DFND   214 0 0
MERCK & CO INC COM 58933Y105   1,228,443 15,097 SH   SOLE   15,097 0 0
META PLATFORMS INC CL A 30303M102   18,017 25 SH   DFND   25 0 0
META PLATFORMS INC CL A 30303M102   3,598,305 4,993 SH   SOLE   4,993 0 0
MICRON TECHNOLOGY INC COM 595112103   267,503 2,150 SH   SOLE   2,150 0 0
MICROSOFT CORP COM 594918104   333,729 672 SH   DFND   672 0 0
MICROSOFT CORP COM 594918104   121,672 245 SH   DFND 2 245 0 0
MICROSOFT CORP COM 594918104   20,134,961 40,544 SH   SOLE   40,544 0 0
MONDELEZ INTL INC CL A 609207105   815,416 11,958 SH   SOLE   11,958 0 0
MORGAN STANLEY COM NEW 617446448   24,274 172 SH   DFND   172 0 0
MORGAN STANLEY COM NEW 617446448   2,013,784 14,269 SH   SOLE   14,269 0 0
NETFLIX INC COM 64110L106   19,130 15 SH   DFND   15 0 0
NETFLIX INC COM 64110L106   2,164,201 1,697 SH   SOLE   1,697 0 0
NEXTERA ENERGY INC COM 65339F101   7,246 100 SH   DFND   100 0 0
NEXTERA ENERGY INC COM 65339F101   1,183,489 16,333 SH   SOLE   16,333 0 0
NIKE INC CL B 654106103   559,870 7,574 SH   SOLE   7,574 0 0
NORFOLK SOUTHN CORP COM 655844108   18,806 72 SH   DFND   72 0 0
NORFOLK SOUTHN CORP COM 655844108   1,423,018 5,448 SH   SOLE   5,448 0 0
NUCOR CORP COM 670346105   12,855 92 SH   DFND   92 0 0
NUCOR CORP COM 670346105   314,253 2,249 SH   SOLE   2,249 0 0
NVIDIA CORPORATION COM 67066G104   80,000 500 SH   DFND   500 0 0
NVIDIA CORPORATION COM 67066G104   12,082,240 75,514 SH   SOLE   75,514 0 0
ORACLE CORP COM 68389X105   30,954 132 SH   DFND   132 0 0
ORACLE CORP COM 68389X105   77,385 330 SH   DFND 2 330 0 0
ORACLE CORP COM 68389X105   691,775 2,950 SH   SOLE   2,950 0 0
OREILLY AUTOMOTIVE INC COM 67103H107   424,751 4,635 SH   SOLE   4,635 0 0
PACCAR INC COM 693718108   1,428,683 14,475 SH   SOLE   14,475 0 0
PALO ALTO NETWORKS INC COM 697435105   12,239 60 SH   DFND   60 0 0
PALO ALTO NETWORKS INC COM 697435105   2,436,457 11,944 SH   SOLE   11,944 0 0
PARKER-HANNIFIN CORP COM 701094104   106,038 150 SH   DFND   150 0 0
PARKER-HANNIFIN CORP COM 701094104   39,588 56 SH   DFND 2 56 0 0
PARKER-HANNIFIN CORP COM 701094104   3,532,479 4,997 SH   SOLE   4,997 0 0
PEPSICO INC COM 713448108   168,800 1,250 SH   DFND   250 0 1,000
PEPSICO INC COM 713448108   67,520 500 SH   DFND 2 500 0 0
PEPSICO INC COM 713448108   2,232,076 16,529 SH   SOLE   16,529 0 0
PFIZER INC COM 717081103   60,566 2,364 SH   DFND   0 0 2,364
PFIZER INC COM 717081103   174,626 6,816 SH   SOLE   6,816 0 0
PHILLIPS 66 COM 718546104   24,960 192 SH   DFND   192 0 0
PHILLIPS 66 COM 718546104   1,428,050 10,985 SH   SOLE   10,985 0 0
PNC FINL SVCS GROUP INC COM 693475105   21,582 109 SH   DFND   109 0 0
PNC FINL SVCS GROUP INC COM 693475105   2,665,674 13,463 SH   SOLE   13,463 0 0
PPG INDS INC COM 693506107   14,911 127 SH   DFND   127 0 0
PPG INDS INC COM 693506107   1,258,400 10,718 SH   SOLE   10,718 0 0
PROCTER AND GAMBLE CO COM 742718109   480,775 3,045 SH   DFND   50 0 2,995
PROCTER AND GAMBLE CO COM 742718109   11,842 75 SH   DFND 2 75 0 0
PROCTER AND GAMBLE CO COM 742718109   2,426,927 15,371 SH   SOLE   15,371 0 0
PROLOGIS INC. COM 74340W103   11,860 111 SH   DFND   111 0 0
PROLOGIS INC. COM 74340W103   712,155 6,665 SH   SOLE   6,665 0 0
PUBLIC STORAGE OPER CO COM 74460D109   24,429 84 SH   DFND   84 0 0
PUBLIC STORAGE OPER CO COM 74460D109   1,835,074 6,310 SH   SOLE   6,310 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   16,565 203 SH   DFND   203 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   753,494 9,234 SH   SOLE   9,234 0 0
PULTE GROUP INC COM 745867101   395,126 3,629 SH   SOLE   3,629 0 0
QUALCOMM INC COM 747525103   5,581 35 SH   DFND   35 0 0
QUALCOMM INC COM 747525103   326,394 2,047 SH   SOLE   2,047 0 0
REGENERON PHARMACEUTICALS COM 75886F107   12,598 23 SH   DFND   23 0 0
REGENERON PHARMACEUTICALS COM 75886F107   1,162,326 2,122 SH   SOLE   2,122 0 0
REPUBLIC SVCS INC COM 760759100   563,096 2,353 SH   SOLE   2,353 0 0
RTX CORPORATION COM 75513E101   28,982 200 SH   DFND   200 0 0
RTX CORPORATION COM 75513E101   57,964 400 SH   DFND 2 400 0 0
RTX CORPORATION COM 75513E101   145,055 1,001 SH   SOLE   1,001 0 0
SALESFORCE INC COM 79466L302   28,186 103 SH   DFND   103 0 0
SALESFORCE INC COM 79466L302   22,713 83 SH   DFND 2 83 0 0
SALESFORCE INC COM 79466L302   2,223,680 8,126 SH   SOLE   8,126 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   313,393 10,740 SH   SOLE   10,740 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   26,553 300 SH   DFND   300 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   67,710 765 SH   DFND 2 765 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   152,503 1,723 SH   SOLE   1,723 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   42,544 166 SH   DFND   166 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   104,054 406 SH   DFND 2 406 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   144,548 564 SH   SOLE   564 0 0
SERVICENOW INC COM 81762P102   20,460 20 SH   DFND   20 0 0
SERVICENOW INC COM 81762P102   2,582,002 2,524 SH   SOLE   2,524 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,936,701 3,122 SH   SOLE   3,122 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   428,066 739 SH   SOLE   739 0 0
STRYKER CORPORATION COM 863667101   19,475 50 SH   DFND   50 0 0
STRYKER CORPORATION COM 863667101   2,312,462 5,937 SH   SOLE   5,937 0 0
TAPESTRY INC COM 876030107   15,860 172 SH   DFND   172 0 0
TAPESTRY INC COM 876030107   465,845 5,052 SH   SOLE   5,052 0 0
TESLA INC COM 88160R101   248,969 836 SH   SOLE   836 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   26,849 63 SH   DFND   63 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   2,521,222 5,916 SH   SOLE   5,916 0 0
TJX COS INC NEW COM 872540109   390,185 3,115 SH   SOLE   3,115 0 0
TORONTO DOMINION BK ONT COM NEW 891160509   270,246 3,650 SH   SOLE   3,650 0 0
UNION PAC CORP COM 907818108   352,445 1,490 SH   DFND   27 0 1,463
UNION PAC CORP COM 907818108   564,384 2,386 SH   SOLE   2,386 0 0
UNITED RENTALS INC COM 911363109   49,863 63 SH   DFND   63 0 0
UNITED RENTALS INC COM 911363109   2,676,785 3,382 SH   SOLE   3,382 0 0
UNITEDHEALTH GROUP INC COM 91324P102   309,239 1,005 SH   SOLE   1,005 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   285,785 652 SH   SOLE   652 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   367,806 1,304 SH   SOLE   1,304 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   14,506 60 SH   DFND 2 60 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   310,191 1,283 SH   SOLE   1,283 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   256,300 1,439 SH   SOLE   1,439 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   999,231 20,430 SH   SOLE   20,430 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   226,599 3,981 SH   SOLE   3,981 0 0
VEEVA SYS INC CL A COM 922475108   9,822 35 SH   DFND   35 0 0
VEEVA SYS INC CL A COM 922475108   1,243,472 4,431 SH   SOLE   4,431 0 0
VERISK ANALYTICS INC COM 92345Y106   219,342 725 SH   SOLE   725 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   38,797 901 SH   DFND   901 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   2,437,670 56,611 SH   SOLE   56,611 0 0
VISA INC COM CL A 92826C839   24,819 70 SH   DFND   70 0 0
VISA INC COM CL A 92826C839   3,434,526 9,687 SH   SOLE   9,687 0 0
VISTRA CORP COM 92840M102   704,807 3,706 SH   SOLE   3,706 0 0
WALMART INC COM 931142103   15,146 156 SH   DFND   156 0 0
WALMART INC COM 931142103   995,173 10,250 SH   SOLE   10,250 0 0