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
ABBOTT LABS INC COM 002824100   9,661 85 SH   SOLE   68 0 17
ABBOTT LABS INC COM 002824100   1,298,906 11,428 SH   DFND   11,419 0 9
ACCENTURE PLC CL A SHS CLASS A G1151C101   10,398 30 SH   SOLE   24 0 6
ACCENTURE PLC CL A SHS CLASS A G1151C101   1,430,806 4,128 SH   DFND   4,125 0 3
AMAZON COM INC COM 023135106   9,560 53 SH   SOLE   43 0 10
AMAZON COM INC COM 023135106   1,359,344 7,536 SH   DFND   7,531 0 5
ANALOG DEVICES INC COM 032654105   12,065 61 SH   SOLE   51 0 10
ANALOG DEVICES INC COM 032654105   1,363,960 6,896 SH   DFND   6,891 0 5
APPLE INC COM 037833100   932,337 5,437 SH   SOLE   5,437 0 0
BERKSHIRE HATHAWAY INC-CL B CL B NEW 084670702   9,251 22 SH   SOLE   18 0 4
BERKSHIRE HATHAWAY INC-CL B CL B NEW 084670702   1,224,554 2,912 SH   DFND   2,910 0 2
BLACKSTONE INC COM 09260D107   8,802 67 SH   SOLE   55 0 12
BLACKSTONE INC COM 09260D107   1,112,441 8,468 SH   DFND   8,462 0 6
CHEVRON CORPORATION COM 166764100   4,890 31 SH   SOLE   25 0 6
CHEVRON CORPORATION COM 166764100   675,285 4,281 SH   DFND   4,278 0 3
CISCO SYSTEMS INC COM 17275R102   10,082 202 SH   SOLE   157 0 45
CISCO SYSTEMS INC COM 17275R102   1,431,868 28,689 SH   DFND   28,666 0 23
COCA COLA CO COM 191216100   7,097 116 SH   SOLE   94 0 22
COCA COLA CO COM 191216100   971,416 15,878 SH   DFND   15,867 0 11
COMCAST CORP-CL A CL A 20030N101   7,066 163 SH   SOLE   125 0 38
COMCAST CORP-CL A CL A 20030N101   1,099,920 25,373 SH   DFND   25,353 0 20
COMM SERV SELECT SECTOR SPDR COMMUNICATION 81369Y852   17,639 216 SH   SOLE   216 0 0
COMM SERV SELECT SECTOR SPDR COMMUNICATION 81369Y852   1,584,939 19,409 SH   DFND   19,409 0 0
CONSTELLATION ENERGY CORP COM 21037T109   607,417 3,286 SH   SOLE   3,286 0 0
CONSUMER DISCRETIONARY SELT SBI CONS DISCR 81369Y407   8,275 45 SH   SOLE   45 0 0
CONSUMER DISCRETIONARY SELT SBI CONS DISCR 81369Y407   903,819 4,915 SH   DFND   4,915 0 0
CVS HEALTH CORP COM 126650100   9,172 115 SH   SOLE   89 0 26
CVS HEALTH CORP COM 126650100   1,407,365 17,645 SH   DFND   17,632 0 13
EDWARDS LIFESCIENCES CORP COM 28176E108   323,184 3,382 SH   SOLE   3,382 0 0
EXELON CORP COM 30161N101   558,290 14,860 SH   SOLE   14,860 0 0
EXXON MOBIL CORP COM 30231G102   6,277 54 SH   SOLE   44 0 10
EXXON MOBIL CORP COM 30231G102   760,210 6,540 SH   DFND   6,535 0 5
FLEXSHARES CREDIT-SCORED US CR SCD US BD 33939L761   311,812 6,526 SH   SOLE   6,526 0 0
FLEXSHARES CREDIT-SCORED US CR SCD US BD 33939L761   24,812,058 519,298 SH   DFND   519,298 0 0
FLEXSHARES CREDIT-SCORED US LONG CR SCORED LONG 33939L753   129,248 2,951 SH   SOLE   2,951 0 0
FLEXSHARES CREDIT-SCORED US LONG CR SCORED LONG 33939L753   9,539,599 217,809 SH   DFND   217,809 0 0
FLEXSHARES DISCIPLINED DURATION MBS DISCP DUR MBS 33939L779   222,149 10,903 SH   SOLE   10,903 0 0
FLEXSHARES DISCIPLINED DURATION MBS DISCP DUR MBS 33939L779   15,227,277 747,351 SH   DFND   747,351 0 0
FLEXSHARES GLOBAL INFRASTRUCTURE IND STOXX GLOBR INF 33939L795   21,671 397 SH   SOLE   397 0 0
FLEXSHARES GLOBAL INFRASTRUCTURE IND STOXX GLOBR INF 33939L795   3,564,492 65,300 SH   DFND   65,300 0 0
FLEXSHARES GLOBAL REAL ESTATE INDEX GLB QLT R/E IDX 33939L787   20,451 360 SH   SOLE   360 0 0
FLEXSHARES GLOBAL REAL ESTATE INDEX GLB QLT R/E IDX 33939L787   3,160,597 55,635 SH   DFND   55,635 0 0
FLEXSHARES IBOXX 3-YEAR TARG IBOXX 3R TARGT 33939L506   100,463 4,230 SH   SOLE   4,230 0 0
FLEXSHARES IBOXX 3-YEAR TARG IBOXX 3R TARGT 33939L506   9,983,313 420,350 SH   DFND   420,350 0 0
FLEXSHARES MORNINGSTAR DEVEL M STAR DEV MKT 33939L803   27,446 383 SH   SOLE   383 0 0
FLEXSHARES MORNINGSTAR DEVEL M STAR DEV MKT 33939L803   5,297,740 73,928 SH   DFND   73,928 0 0
FLEXSHARES MORNINGSTAR EMERG MSTAR EMKT FAC 33939L308   26,950 525 SH   SOLE   525 0 0
FLEXSHARES MORNINGSTAR EMERG MSTAR EMKT FAC 33939L308   7,833,435 152,598 SH   DFND   152,598 0 0
FLEXSHARES NATURAL RESOURCES INDEX MORNSTAR UPSTR 33939L407   65,548 1,596 SH   SOLE   1,596 0 0
FLEXSHARES NATURAL RESOURCES INDEX MORNSTAR UPSTR 33939L407   9,381,990 228,439 SH   DFND   228,439 0 0
GENERAL DYNAMICS CORP COM 369550108   6,780 24 SH   SOLE   19 0 5
GENERAL DYNAMICS CORP COM 369550108   976,003 3,455 SH   DFND   3,452 0 3
ILLINOIS TOOL WORKS COM 452308109   217,616 811 SH   SOLE   811 0 0
INDUSTRIAL SELECT SECTOR SPDR SBI INT-INDS 81369Y704   10,329 82 SH   SOLE   82 0 0
INDUSTRIAL SELECT SECTOR SPDR SBI INT-INDS 81369Y704   1,002,264 7,957 SH   DFND   7,957 0 0
INTERCONTINENTAL EXCHANGE INC COM 45866F104   9,758 71 SH   SOLE   57 0 14
INTERCONTINENTAL EXCHANGE INC COM 45866F104   1,325,100 9,642 SH   DFND   9,635 0 7
ISHARES CORE S&P 500 ETF CORE S&P500 ETF 464287200   450,551 857 SH   SOLE   857 0 0
ISHARES RUSSELL 1000 GROWTH ETF RUS 1000 VAL ETF 464287614   300,986 893 SH   SOLE   893 0 0
ISHARES U.S. TREASURY BOND ETF US TREAS BD ETF 46429B267   7,455,103 327,409 SH   SOLE   327,409 0 0
JOHNSON CONTROLS INTERNATIONAL PLC SHS G51502105   6,924 106 SH   SOLE   81 0 25
JOHNSON CONTROLS INTERNATIONAL PLC SHS G51502105   974,640 14,921 SH   DFND   14,909 0 12
JP MORGAN CHASE & CO COM 46625H100   12,218 61 SH   SOLE   51 0 10
JP MORGAN CHASE & CO COM 46625H100   1,480,417 7,391 SH   DFND   7,386 0 5
LOWES COS INC COM 548661107   9,680 38 SH   SOLE   31 0 7
LOWES COS INC COM 548661107   1,244,866 4,887 SH   DFND   4,883 0 4
MATERIALS SELECT SPDR FUND SBI MATERIALS 81369Y100   8,546 92 SH   SOLE   92 0 0
MATERIALS SELECT SPDR FUND SBI MATERIALS 81369Y100   1,081,425 11,642 SH   DFND   11,642 0 0
MICROCHIP TECHNOLOGY INC COM 595017104   9,958 111 SH   SOLE   92 0 19
MICROCHIP TECHNOLOGY INC COM 595017104   1,218,262 13,580 SH   DFND   13,570 0 10
MICROSOFT CORP COM 594918104   13,884 33 SH   SOLE   28 0 5
MICROSOFT CORP COM 594918104   1,943,726 4,620 SH   DFND   4,617 0 3
NORFOLK SOUTHERN CORP COM 655844108   6,372 25 SH   SOLE   19 0 6
NORFOLK SOUTHERN CORP COM 655844108   918,042 3,602 SH   DFND   3,599 0 3
NVIDIA CORP COM 67066G104   1,548,702 1,714 SH   SOLE   1,714 0 0
ORACLE CORPORATION COM COM 68389X105   12,687 101 SH   SOLE   84 0 17
ORACLE CORPORATION COM COM 68389X105   1,513,349 12,048 SH   DFND   12,039 0 9
PEPSICO INC COM 713448108   5,950 34 SH   SOLE   28 0 6
PEPSICO INC COM 713448108   775,819 4,433 SH   DFND   4,430 0 3
PROCTER & GAMBLE CO COM 742718109   7,301 45 SH   SOLE   37 0 8
PROCTER & GAMBLE CO COM 742718109   951,921 5,867 SH   DFND   5,863 0 4
REAL ESTATE SELECT SECT SPDR RL EST SEL SEC 81369Y860   4,704 119 SH   SOLE   119 0 0
REAL ESTATE SELECT SECT SPDR RL EST SEL SEC 81369Y860   603,702 15,272 SH   DFND   15,272 0 0
SALESFORCE INC COM 79466L302   11,746 39 SH   SOLE   32 0 7
SALESFORCE INC COM 79466L302   1,410,125 4,682 SH   DFND   4,679 0 3
SCHLUMBERGER LTD COM STK 806857108   741,634 13,531 SH   SOLE   13,520 0 11
SCHLUMBERGER LTD COM STK 806857108   5,755 105 SH   DFND   84 0 21
SPDR BLOOMBERG ST YIELD BOND ETF BLOOMBERG SHT TE 78468R408   211,318 8,379 SH   SOLE   8,379 0 0
SPDR BLOOMBERG ST YIELD BOND ETF BLOOMBERG SHT TE 78468R408   23,052,366 914,051 SH   DFND   914,051 0 0
SPDR GOLD TRUST GOLD SHS 78463V107   266,407 1,295 SH   SOLE   1,295 0 0
TECHNOLOGY SELECT SECT SPDR TECHNOLOGY 81369Y803   22,493 108 SH   SOLE   108 0 0
TECHNOLOGY SELECT SECT SPDR TECHNOLOGY 81369Y803   2,943,688 14,134 SH   DFND   14,134 0 0
TJX COMPANIES COM 872540109   13,996 138 SH   SOLE   117 0 21
TJX COMPANIES COM 872540109   1,502,842 14,818 SH   DFND   14,808 0 10
UTILITIES SELECT SECTOR SPDR SBI INT-UTILS 81369Y886   4,202 64 SH   SOLE   64 0 0
UTILITIES SELECT SECTOR SPDR SBI INT-UTILS 81369Y886   568,726 8,663 SH   DFND   8,663 0 0
VANGUARD GROWTH ETF GROWTH ETF 922908736   344,200 1,000 SH   SOLE   1,000 0 0
VANGUARD LONG-TERM CORP BOND ETF LG-TERM COR BD 92206C813   5,789 74 SH   SOLE   74 0 0
VANGUARD LONG-TERM CORP BOND ETF LG-TERM COR BD 92206C813   1,551,770 19,836 SH   DFND   19,836 0 0
VANGUARD SHORT-TERM TIPS STRM INFPROIDX 922020805   31,943 667 SH   SOLE   667 0 0
VANGUARD SHORT-TERM TIPS STRM INFPROIDX 922020805   3,198,908 66,797 SH   DFND   66,797 0 0
VANGUARD SMALL-CAP ETF SMALL CP ETF 922908751   49,375 216 SH   SOLE   216 0 0
VANGUARD SMALL-CAP ETF SMALL CP ETF 922908751   7,079,432 30,970 SH   DFND   30,970 0 0
VANGUARD TOTAL STOCK MARKET ETF TOTAL STK MKT 922908769   56,658 218 SH   SOLE   218 0 0
VANGUARD TOTAL STOCK MARKET ETF TOTAL STK MKT 922908769   16,950,158 65,218 SH   DFND   65,218 0 0
VISA INC CL A COM CL A 92826C839   8,093 29 SH   SOLE   25 0 4
VISA INC CL A COM CL A 92826C839   920,127 3,297 SH   DFND   3,295 0 2
WALT DISNEY COMPANY COM 254687106   7,342 60 SH   SOLE   45 0 15
WALT DISNEY COMPANY COM 254687106   1,129,383 9,230 SH   DFND   9,222 0 8
ZIMMER BIOMET HOLDINGS INC COM 98956P102   10,822 82 SH   SOLE   70 0 12
ZIMMER BIOMET HOLDINGS INC COM 98956P102   1,194,683 9,052 SH   DFND   9,045 0 7