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   160,100 1,000 SH   DFND   0 0 1,000
3M CO COM 88579Y101   384,240 2,400 SH   SOLE   2,400 0 0
ABBOTT LABS COM 002824100   50,367 402 SH   DFND   402 0 0
ABBOTT LABS COM 002824100   98,729 788 SH   DFND 2 788 0 0
ABBOTT LABS COM 002824100   1,739,025 13,880 SH   SOLE   13,880 0 0
ABBVIE INC COM 00287Y109   472,517 2,068 SH   SOLE   2,068 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   1,098,152 4,093 SH   SOLE   4,093 0 0
ADOBE INC COM 00724F101   8,750 25 SH   DFND   25 0 0
ADOBE INC COM 00724F101   1,063,970 3,040 SH   SOLE   3,040 0 0
ADVANCED MICRO DEVICES INC COM 007903107   7,281 34 SH   DFND   34 0 0
ADVANCED MICRO DEVICES INC COM 007903107   1,096,499 5,120 SH   SOLE   5,120 0 0
AIR PRODS & CHEMS INC COM 009158106   17,291 70 SH   DFND   70 0 0
AIR PRODS & CHEMS INC COM 009158106   31,866 129 SH   DFND 2 129 0 0
AIR PRODS & CHEMS INC COM 009158106   1,996,663 8,083 SH   SOLE   8,083 0 0
ALLSTATE CORP COM 020002101   15,819 76 SH   DFND   76 0 0
ALLSTATE CORP COM 020002101   1,908,319 9,168 SH   SOLE   9,168 0 0
ALPHABET INC CAP STK CL A 02079K305   236,315 755 SH   DFND   755 0 0
ALPHABET INC CAP STK CL A 02079K305   277,318 886 SH   DFND 2 886 0 0
ALPHABET INC CAP STK CL A 02079K305   13,868,091 44,307 SH   SOLE   44,307 0 0
ALPHABET INC CAP STK CL C 02079K107   746,530 2,379 SH   SOLE   2,379 0 0
AMAZON COM INC COM 023135106   59,552 258 SH   DFND   258 0 0
AMAZON COM INC COM 023135106   49,165 213 SH   DFND 2 213 0 0
AMAZON COM INC COM 023135106   10,061,213 43,589 SH   SOLE   43,589 0 0
AMERICAN ELEC PWR CO INC COM 025537101   5,420 47 SH   DFND   47 0 0
AMERICAN ELEC PWR CO INC COM 025537101   496,986 4,310 SH   SOLE   4,310 0 0
AMERICAN EXPRESS CO COM 025816109   15,168 41 SH   DFND   41 0 0
AMERICAN EXPRESS CO COM 025816109   953,731 2,578 SH   SOLE   2,578 0 0
AMGEN INC COM 031162100   700,116 2,139 SH   SOLE   2,139 0 0
APOLLO GLOBAL MGMT INC COM 03769M106   4,922 34 SH   DFND   34 0 0
APOLLO GLOBAL MGMT INC COM 03769M106   504,633 3,486 SH   SOLE   3,486 0 0
APPLE INC COM 037833100   264,248 972 SH   DFND   972 0 0
APPLE INC COM 037833100   76,121 280 SH   DFND 2 280 0 0
APPLE INC COM 037833100   15,642,553 57,539 SH   SOLE   57,539 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210   10,699 10 SH   DFND   10 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210   3,705,995 3,464 SH   SOLE   3,464 0 0
AUTODESK INC COM 052769106   11,840 40 SH   DFND   40 0 0
AUTODESK INC COM 052769106   1,418,776 4,793 SH   SOLE   4,793 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   50,417 196 SH   DFND   196 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   136,846 532 SH   DFND 2 532 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   723,588 2,813 SH   SOLE   2,813 0 0
BADGER METER INC COM 056525108   409,689 2,349 SH   SOLE   2,349 0 0
BANK AMERICA CORP COM 060505104   70,455 1,281 SH   DFND   1,281 0 0
BANK AMERICA CORP COM 060505104   3,944,875 71,725 SH   SOLE   71,725 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   30,159 60 SH   DFND   60 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,609,988 3,203 SH   SOLE   3,203 0 0
BLACKROCK INC COM 09290D101   48,165 45 SH   DFND   45 0 0
BLACKROCK INC COM 09290D101   3,889,616 3,634 SH   SOLE   3,634 0 0
BOOKING HOLDINGS INC COM 09857L108   390,939 73 SH   SOLE   73 0 0
BORGWARNER INC COM 099724106   6,894 153 SH   DFND   153 0 0
BORGWARNER INC COM 099724106   298,027 6,614 SH   SOLE   6,614 0 0
BROADCOM INC COM 11135F101   10,383 30 SH   DFND   30 0 0
BROADCOM INC COM 11135F101   1,990,767 5,752 SH   SOLE   5,752 0 0
CAMECO CORP COM 13321L108   680,228 7,435 SH   SOLE   7,435 0 0
CANADIAN PACIFIC KANSAS CITY COM 13646K108   212,349 2,884 SH   SOLE   2,884 0 0
CATERPILLAR INC COM 149123101   63,589 111 SH   DFND   111 0 0
CATERPILLAR INC COM 149123101   3,733,967 6,518 SH   SOLE   6,518 0 0
CHEVRON CORP NEW COM 166764100   225,872 1,482 SH   DFND   282 0 1,200
CHEVRON CORP NEW COM 166764100   3,394,323 22,271 SH   SOLE   22,271 0 0
CHUBB LIMITED COM H1467J104   16,542 53 SH   DFND   53 0 0
CHUBB LIMITED COM H1467J104   1,496,928 4,796 SH   SOLE   4,796 0 0
CISCO SYS INC COM 17275R102   63,704 827 SH   DFND   827 0 0
CISCO SYS INC COM 17275R102   130,951 1,700 SH   DFND 2 1,700 0 0
CISCO SYS INC COM 17275R102   511,479 6,640 SH   SOLE   6,640 0 0
CITIGROUP INC COM NEW 172967424   23,805 204 SH   DFND   204 0 0
CITIGROUP INC COM NEW 172967424   769,104 6,591 SH   SOLE   6,591 0 0
CME GROUP INC COM 12572Q105   240,857 882 SH   SOLE   882 0 0
COLGATE PALMOLIVE CO COM 194162103   229,158 2,900 SH   DFND   0 0 2,900
COLUMBIA BKG SYS INC COM 197236102   419,250 15,000 SH   SOLE   15,000 0 0
CONOCOPHILLIPS COM 20825C104   14,978 160 SH   DFND   160 0 0
CONOCOPHILLIPS COM 20825C104   527,773 5,638 SH   SOLE   5,638 0 0
CONSTELLATION BRANDS INC CL A 21036P108   3,587 26 SH   DFND   26 0 0
CONSTELLATION BRANDS INC CL A 21036P108   252,329 1,829 SH   SOLE   1,829 0 0
COSTCO WHSL CORP NEW COM 22160K105   12,935 15 SH   DFND   15 0 0
COSTCO WHSL CORP NEW COM 22160K105   3,604,581 4,180 SH   SOLE   4,180 0 0
CROWDSTRIKE HLDGS INC CL A 22788C105   16,407 35 SH   DFND   35 0 0
CROWDSTRIKE HLDGS INC CL A 22788C105   1,871,290 3,992 SH   SOLE   3,992 0 0
CUMMINS INC COM 231021106   25,523 50 SH   DFND   50 0 0
CUMMINS INC COM 231021106   2,350,112 4,604 SH   SOLE   4,604 0 0
DANAHER CORPORATION COM 235851102   34,338 150 SH   DFND   150 0 0
DANAHER CORPORATION COM 235851102   95,917 419 SH   DFND 2 419 0 0
DANAHER CORPORATION COM 235851102   187,714 820 SH   SOLE   820 0 0
DATADOG INC CL A COM 23804L103   13,599 100 SH   DFND   100 0 0
DATADOG INC CL A COM 23804L103   1,510,577 11,108 SH   SOLE   11,108 0 0
DEERE & CO COM 244199105   28,865 62 SH   DFND   62 0 0
DEERE & CO COM 244199105   2,401,876 5,159 SH   SOLE   5,159 0 0
DIGITAL RLTY TR INC COM 253868103   6,188 40 SH   DFND   40 0 0
DIGITAL RLTY TR INC COM 253868103   939,709 6,074 SH   SOLE   6,074 0 0
DISNEY WALT CO COM 254687106   17,407 153 SH   DFND   153 0 0
DISNEY WALT CO COM 254687106   22,526 198 SH   DFND 2 198 0 0
DISNEY WALT CO COM 254687106   1,548,523 13,611 SH   SOLE   13,611 0 0
EATON CORP PLC SHS G29183103   520,764 1,635 SH   SOLE   1,635 0 0
ELI LILLY & CO COM 532457108   21,494 20 SH   DFND   20 0 0
ELI LILLY & CO COM 532457108   5,173,510 4,814 SH   SOLE   4,814 0 0
EOG RES INC COM 26875P101   5,145 49 SH   DFND   49 0 0
EOG RES INC COM 26875P101   226,927 2,161 SH   SOLE   2,161 0 0
EXXON MOBIL CORP COM 30231G102   673,904 5,600 SH   DFND   0 0 5,600
EXXON MOBIL CORP COM 30231G102   511,565 4,251 SH   SOLE   4,251 0 0
FEDEX CORP COM 31428X106   6,355 22 SH   DFND   22 0 0
FEDEX CORP COM 31428X106   551,723 1,910 SH   SOLE   1,910 0 0
GENERAL MLS INC COM 370334104   2,195,823 47,222 SH   DFND   0 0 47,222
GENERAL MLS INC COM 370334104   100,440 2,160 SH   SOLE   2,160 0 0
GERON CORP COM 374163103   13,200 10,000 SH   SOLE   10,000 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   210,733 1,592 SH   SOLE   1,592 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   400,824 456 SH   SOLE   456 0 0
HCA HEALTHCARE INC COM 40412C101   53,689 115 SH   DFND   115 0 0
HCA HEALTHCARE INC COM 40412C101   3,438,424 7,365 SH   SOLE   7,365 0 0
HOME DEPOT INC COM 437076102   8,603 25 SH   DFND   25 0 0
HOME DEPOT INC COM 437076102   2,048,427 5,953 SH   SOLE   5,953 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104   12,147 75 SH   DFND   75 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104   1,254,866 7,748 SH   SOLE   7,748 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   13,626 46 SH   DFND   46 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   883,891 2,984 SH   SOLE   2,984 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   19,823 35 SH   DFND   35 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   1,678,691 2,964 SH   SOLE   2,964 0 0
ISHARES INC CORE MSCI EMKT 46434G103   264,578 3,936 SH   DFND   3,936 0 0
ISHARES INC CORE MSCI EMKT 46434G103   15,880,658 236,249 SH   SOLE   235,860 0 389
ISHARES INC MSCI EMRG CHN 46434G764   274,948 3,783 SH   DFND   3,783 0 0
ISHARES INC MSCI EMRG CHN 46434G764   16,548,291 227,687 SH   SOLE   227,316 0 371
ISHARES TR 0-5YR HI YL CP 46434V407   266,437 6,215 SH   SOLE   6,215 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   267,177 3,226 SH   SOLE   3,226 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   11,935 100 SH   OTR   100 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   238,103 1,995 SH   DFND   1,995 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   15,982,755 133,915 SH   SOLE   133,619 0 296
ISHARES TR CORE US AGGBD ET 464287226   5,206,844 52,131 SH   SOLE   52,131 0 0
ISHARES TR CALIF MUN BD ETF 464288356   4,644,262 80,826 SH   SOLE   80,826 0 0
ISHARES TR CORE MSCI EAFE 46432F842   268,380 3,000 SH   DFND   3,000 0 0
ISHARES TR CORE MSCI EAFE 46432F842   13,880,345 155,157 SH   SOLE   155,157 0 0
ISHARES TR CORE S&P MCP ETF 464287507   741,840 11,240 SH   SOLE   11,240 0 0
ISHARES TR U.S. TECH ETF 464287721   638,976 3,200 SH   SOLE   3,200 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516   234,777 2,469 SH   SOLE   2,469 0 0
ISHARES TR ESG MSCI KLD 400 464288570   4,488,437 34,840 SH   SOLE   34,840 0 0
ISHARES TR NATIONAL MUN ETF 464288414   1,429,811 13,349 SH   SOLE   13,349 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   1,522,133 3,216 SH   SOLE   3,216 0 0
ISHARES TR RUS 1000 ETF 464287622   372,320 997 SH   SOLE   997 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   1,252,364 5,954 SH   SOLE   5,954 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   24,616 100 SH   DFND   100 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   56,617 230 SH   DFND 2 230 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   669,309 2,719 SH   SOLE   2,719 0 0
ISHARES TR CORE S&P500 ETF 464287200   126,714 185 SH   DFND   185 0 0
ISHARES TR CORE S&P500 ETF 464287200   11,428,224 16,685 SH   SOLE   16,635 0 50
ISHARES TR S&P MC 400GR ETF 464287606   1,731,246 17,870 SH   SOLE   17,870 0 0
ISHARES TR S&P MC 400VL ETF 464287705   148,039 1,125 SH   DFND   1,125 0 0
ISHARES TR S&P MC 400VL ETF 464287705   2,459,549 18,691 SH   SOLE   18,691 0 0
ISHARES TR SP SMCP600VL ETF 464287879   155,228 1,365 SH   DFND   1,365 0 0
ISHARES TR SP SMCP600VL ETF 464287879   2,107,232 18,530 SH   SOLE   18,530 0 0
ISHARES TR S&P SML 600 GWT 464287887   98,812 700 SH   DFND   700 0 0
ISHARES TR S&P SML 600 GWT 464287887   1,600,331 11,337 SH   SOLE   11,337 0 0
ISHARES TR MSCI EAFE ETF 464287465   691,416 7,200 SH   DFND   7,200 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,930,779 20,106 SH   SOLE   20,106 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   202,023 1,639 SH   SOLE   1,639 0 0
ISHARES TR CORE S&P SCP ETF 464287804   1,429,421 11,894 SH   SOLE   11,894 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   1,861,159 32,515 SH   SOLE   32,391 0 124
JOHNSON & JOHNSON COM 478160104   382,237 1,847 SH   DFND   247 0 1,600
JOHNSON & JOHNSON COM 478160104   31,043 150 SH   DFND 2 150 0 0
JOHNSON & JOHNSON COM 478160104   3,797,119 18,348 SH   SOLE   18,348 0 0
JOHNSON CTLS INTL PLC SHS G51502105   454,451 3,795 SH   SOLE   3,795 0 0
JPMORGAN CHASE & CO. COM 46625H100   122,121 379 SH   DFND   379 0 0
JPMORGAN CHASE & CO. COM 46625H100   109,555 340 SH   DFND 2 340 0 0
JPMORGAN CHASE & CO. COM 46625H100   7,031,163 21,821 SH   SOLE   21,821 0 0
KIMBERLY-CLARK CORP COM 494368103   413,750 4,101 SH   SOLE   4,101 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109   10,275 35 SH   DFND   35 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109   1,240,040 4,224 SH   SOLE   4,224 0 0
LAM RESEARCH CORP COM NEW 512807306   113,835 665 SH   DFND   665 0 0
LAM RESEARCH CORP COM NEW 512807306   6,651,199 38,855 SH   SOLE   38,855 0 0
LOCKHEED MARTIN CORP COM 539830109   15,961 33 SH   DFND   33 0 0
LOCKHEED MARTIN CORP COM 539830109   814,500 1,684 SH   SOLE   1,684 0 0
M & T BK CORP COM 55261F104   425,123 2,110 SH   SOLE   2,110 0 0
MARSH & MCLENNAN COS INC COM 571748102   8,905 48 SH   DFND   48 0 0
MARSH & MCLENNAN COS INC COM 571748102   297,389 1,603 SH   SOLE   1,603 0 0
MASTERCARD INCORPORATED CL A 57636Q104   11,418 20 SH   DFND   20 0 0
MASTERCARD INCORPORATED CL A 57636Q104   28,544 50 SH   DFND 2 50 0 0
MASTERCARD INCORPORATED CL A 57636Q104   546,903 958 SH   SOLE   958 0 0
MCDONALDS CORP COM 580135101   30,563 100 SH   DFND   100 0 0
MCDONALDS CORP COM 580135101   2,835,941 9,279 SH   SOLE   9,279 0 0
MCKESSON CORP COM 58155Q103   5,742 7 SH   DFND   7 0 0
MCKESSON CORP COM 58155Q103   641,467 782 SH   SOLE   782 0 0
MEDTRONIC PLC SHS G5960L103   254,079 2,645 SH   SOLE   2,645 0 0
MERCK & CO INC COM 58933Y105   22,526 214 SH   DFND   214 0 0
MERCK & CO INC COM 58933Y105   1,524,691 14,485 SH   SOLE   14,485 0 0
META PLATFORMS INC CL A 30303M102   16,502 25 SH   DFND   25 0 0
META PLATFORMS INC CL A 30303M102   3,434,448 5,203 SH   SOLE   5,203 0 0
MICRON TECHNOLOGY INC COM 595112103   615,344 2,156 SH   SOLE   2,156 0 0
MICROSOFT CORP COM 594918104   312,902 647 SH   DFND   647 0 0
MICROSOFT CORP COM 594918104   132,512 274 SH   DFND 2 274 0 0
MICROSOFT CORP COM 594918104   19,611,275 40,551 SH   SOLE   40,551 0 0
MONDELEZ INTL INC CL A 609207105   3,983 74 SH   DFND   74 0 0
MONDELEZ INTL INC CL A 609207105   549,174 10,202 SH   SOLE   10,202 0 0
MONGODB INC CL A 60937P106   412,975 984 SH   SOLE   984 0 0
MORGAN STANLEY COM NEW 617446448   30,535 172 SH   DFND   172 0 0
MORGAN STANLEY COM NEW 617446448   2,502,818 14,098 SH   SOLE   14,098 0 0
NETFLIX INC COM 64110L106   14,064 150 SH   DFND   150 0 0
NETFLIX INC COM 64110L106   1,615,954 17,235 SH   SOLE   17,235 0 0
NEXTERA ENERGY INC COM 65339F101   8,028 100 SH   DFND   100 0 0
NEXTERA ENERGY INC COM 65339F101   1,376,882 17,151 SH   SOLE   17,151 0 0
NIKE INC CL B 654106103   247,959 3,892 SH   SOLE   3,892 0 0
NORFOLK SOUTHN CORP COM 655844108   14,436 50 SH   DFND   50 0 0
NORFOLK SOUTHN CORP COM 655844108   1,674,287 5,799 SH   SOLE   5,799 0 0
NUCOR CORP COM 670346105   15,006 92 SH   DFND   92 0 0
NUCOR CORP COM 670346105   305,016 1,870 SH   SOLE   1,870 0 0
NVIDIA CORPORATION COM 67066G104   51,288 275 SH   DFND   275 0 0
NVIDIA CORPORATION COM 67066G104   12,811,991 68,697 SH   SOLE   68,697 0 0
ORACLE CORP COM 68389X105   30,991 159 SH   DFND   159 0 0
ORACLE CORP COM 68389X105   64,320 330 SH   DFND 2 330 0 0
ORACLE CORP COM 68389X105   786,657 4,036 SH   SOLE   4,036 0 0
OREILLY AUTOMOTIVE INC COM 67103H107   376,241 4,125 SH   SOLE   4,125 0 0
PACCAR INC COM 693718108   1,594,685 14,562 SH   SOLE   14,562 0 0
PALO ALTO NETWORKS INC COM 697435105   11,052 60 SH   DFND   60 0 0
PALO ALTO NETWORKS INC COM 697435105   2,138,009 11,607 SH   SOLE   11,607 0 0
PARKER-HANNIFIN CORP COM 701094104   72,075 82 SH   DFND   82 0 0
PARKER-HANNIFIN CORP COM 701094104   49,222 56 SH   DFND 2 56 0 0
PARKER-HANNIFIN CORP COM 701094104   4,186,486 4,763 SH   SOLE   4,763 0 0
PEPSICO INC COM 713448108   172,224 1,200 SH   DFND   200 0 1,000
PEPSICO INC COM 713448108   71,760 500 SH   DFND 2 500 0 0
PEPSICO INC COM 713448108   2,283,403 15,910 SH   SOLE   15,910 0 0
PFIZER INC COM 717081103   58,864 2,364 SH   DFND   0 0 2,364
PFIZER INC COM 717081103   158,713 6,374 SH   SOLE   6,374 0 0
PHILIP MORRIS INTL INC COM 718172109   366,193 2,283 SH   SOLE   2,283 0 0
PHILLIPS 66 COM 718546104   24,776 192 SH   DFND   192 0 0
PHILLIPS 66 COM 718546104   1,486,154 11,517 SH   SOLE   11,517 0 0
PNC FINL SVCS GROUP INC COM 693475105   22,752 109 SH   DFND   109 0 0
PNC FINL SVCS GROUP INC COM 693475105   2,860,227 13,703 SH   SOLE   13,703 0 0
PPG INDS INC COM 693506107   4,303 42 SH   DFND   42 0 0
PPG INDS INC COM 693506107   930,644 9,083 SH   SOLE   9,083 0 0
PROCTER AND GAMBLE CO COM 742718109   436,379 3,045 SH   DFND   50 0 2,995
PROCTER AND GAMBLE CO COM 742718109   15,477 108 SH   DFND 2 108 0 0
PROCTER AND GAMBLE CO COM 742718109   2,265,874 15,811 SH   SOLE   15,811 0 0
PROLOGIS INC. COM 74340W103   14,170 111 SH   DFND   111 0 0
PROLOGIS INC. COM 74340W103   827,364 6,481 SH   SOLE   6,481 0 0
PUBLIC STORAGE OPER CO COM 74460D109   21,798 84 SH   DFND   84 0 0
PUBLIC STORAGE OPER CO COM 74460D109   1,837,001 7,079 SH   SOLE   7,079 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   16,301 203 SH   DFND   203 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   750,163 9,342 SH   SOLE   9,342 0 0
PULTE GROUP INC COM 745867101   5,042 43 SH   DFND   43 0 0
PULTE GROUP INC COM 745867101   470,564 4,013 SH   SOLE   4,013 0 0
QUALCOMM INC COM 747525103   5,987 35 SH   DFND   35 0 0
QUALCOMM INC COM 747525103   339,021 1,982 SH   SOLE   1,982 0 0
REGENERON PHARMACEUTICALS COM 75886F107   17,753 23 SH   DFND   23 0 0
REGENERON PHARMACEUTICALS COM 75886F107   1,493,568 1,935 SH   SOLE   1,935 0 0
REPUBLIC SVCS INC COM 760759100   4,451 21 SH   DFND   21 0 0
REPUBLIC SVCS INC COM 760759100   503,334 2,375 SH   SOLE   2,375 0 0
SALESFORCE INC COM 79466L302   27,286 103 SH   DFND   103 0 0
SALESFORCE INC COM 79466L302   21,988 83 SH   DFND 2 83 0 0
SALESFORCE INC COM 79466L302   2,180,209 8,230 SH   SOLE   8,230 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   350,339 10,740 SH   SOLE   10,740 0 0
SELECT SECTOR SPDR TR STATE STREET TEC 81369Y803   47,798 332 SH   DFND   332 0 0
SELECT SECTOR SPDR TR STATE STREET TEC 81369Y803   116,904 812 SH   DFND 2 812 0 0
SELECT SECTOR SPDR TR STATE STREET TEC 81369Y803   119,207 828 SH   SOLE   828 0 0
SERVICENOW INC COM 81762P102   15,319 100 SH   DFND   100 0 0
SERVICENOW INC COM 81762P102   2,023,793 13,211 SH   SOLE   13,211 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,395,890 2,047 SH   SOLE   2,047 0 0
STRYKER CORPORATION COM 863667101   17,574 50 SH   DFND   50 0 0
STRYKER CORPORATION COM 863667101   2,226,562 6,335 SH   SOLE   6,335 0 0
TAPESTRY INC COM 876030107   21,976 172 SH   DFND   172 0 0
TAPESTRY INC COM 876030107   565,510 4,426 SH   SOLE   4,426 0 0
TELEDYNE TECHNOLOGIES INC COM 879360105   6,129 12 SH   DFND   12 0 0
TELEDYNE TECHNOLOGIES INC COM 879360105   248,215 486 SH   SOLE   486 0 0
TESLA INC COM 88160R101   330,994 736 SH   SOLE   736 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   36,505 63 SH   DFND   63 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   3,234,490 5,582 SH   SOLE   5,582 0 0
TJX COS INC NEW COM 872540109   426,729 2,778 SH   SOLE   2,778 0 0
UNION PAC CORP COM 907818108   344,667 1,490 SH   DFND   27 0 1,463
UNION PAC CORP COM 907818108   551,236 2,383 SH   SOLE   2,383 0 0
UNITED RENTALS INC COM 911363109   50,987 63 SH   DFND   63 0 0
UNITED RENTALS INC COM 911363109   2,686,942 3,320 SH   SOLE   3,320 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   309,791 635 SH   SOLE   635 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   368,579 1,270 SH   SOLE   1,270 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   214,942 2,429 SH   SOLE   2,429 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   274,835 1,439 SH   SOLE   1,439 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,022,396 20,330 SH   SOLE   20,330 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   273,681 4,381 SH   SOLE   4,381 0 0
VEEVA SYS INC CL A COM 922475108   7,813 35 SH   DFND   35 0 0
VEEVA SYS INC CL A COM 922475108   1,001,410 4,486 SH   SOLE   4,486 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   36,698 901 SH   DFND   901 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   2,064,115 50,678 SH   SOLE   50,678 0 0
VISA INC COM CL A 92826C839   24,550 70 SH   DFND   70 0 0
VISA INC COM CL A 92826C839   3,358,399 9,576 SH   SOLE   9,576 0 0
VISTRA CORP COM 92840M102   4,033 25 SH   DFND   25 0 0
VISTRA CORP COM 92840M102   540,456 3,350 SH   SOLE   3,350 0 0
WALMART INC COM 931142103   17,380 156 SH   DFND   156 0 0
WALMART INC COM 931142103   1,099,394 9,868 SH   SOLE   9,868 0 0
WISDOMTREE TR US TOTAL DIVIDND 97717W109   203,712 2,400 SH   SOLE   2,400 0 0