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   100,090 1,000 SH   DFND   1,000 0 0
3M Co COM 88579Y101   62,456 624 SH   SOLE   624 0 0
5TH THIRD BANCORP COM 316773100   9,776 373 SH   SOLE   373 0 0
ACADIA Pharmaceuticals Inc COM 004225108   4,790 200 SH   SOLE   200 0 0
ADVANCED MICRO DEV COM 007903107   610,785 5,362 SH   SOLE   5,362 0 0
AES CORP COM 00130H105   168,162 8,112 SH   SOLE   8,112 0 0
AGILENT TECHS INC COM 00846U101   343,795 2,859 SH   SOLE   2,859 0 0
AGNC INVESTMENT CORP COM 00123Q104   5,268 520 SH   SOLE   520 0 0
ALBEMARLE CORP COM 012653101   6,470 29 SH   SOLE   29 0 0
ALCON AG ORD SHS H01301128   1,642 20 SH   SOLE   20 0 0
ALPHABET INC CAP STK CL A 02079K305   2,934,805 24,518 SH   SOLE   24,518 0 0
ALTRIA GROUP INC COM 02209S103   634,200 14,000 SH   DFND   14,000 0 0
ALTRIA GROUP INC COM 02209S103   335,537 7,407 SH   SOLE   7,407 0 0
AMBEV SA SPONSORED ADR 02319V103   73,636 23,156 SH   SOLE   10,938 0 12,218
AMER EXPRESS CO COM 025816109   648,198 3,721 SH   SOLE   3,721 0 0
AMER INTL GRP COM NEW 026874784   236,950 4,118 SH   SOLE   4,118 0 0
AMEREN CORP COM 023608102   3,430 42 SH   SOLE   42 0 0
AMETEK Inc COM 031100100   4,695 29 SH   SOLE   29 0 0
ANALOG DEVICES INC COM 032654105   275,656 1,415 SH   SOLE   1,415 0 0
ANSYS, INC. COM 03662Q105   10,569 32 SH   SOLE   32 0 0
APA Corp COM 03743Q108   68,340 2,000 SH   SOLE   2,000 0 0
APPLIED MATERIALS COM 038222105   778,203 5,384 SH   SOLE   5,384 0 0
ARISTA NETWORKS INC COM 040413106   8,589 53 SH   SOLE   53 0 0
ASE Technology Holding Co Ltd SPONSORED ADS 00215W100   137,719 17,679 SH   SOLE   8,442 0 9,237
ASML HOLDING NV N Y REGISTRY SHS N07059210   72,475 100 SH   SOLE   100 0 0
AT&T INC COM 00206R102   111,650 7,000 SH   DFND   7,000 0 0
AT&T INC COM 00206R102   1,030,115 64,584 SH   SOLE   22,271 0 42,313
AUTOMATIC DATA PROCESSING COM 053015103   928,173 4,223 SH   SOLE   4,223 0 0
AUTOZONE INC COM 053332102   42,387 17 SH   SOLE   17 0 0
AVERY DENNISON CORP COM 053611109   49,478 288 SH   SOLE   288 0 0
AbbVie Inc COM 00287Y109   943,110 7,000 SH   DFND   7,000 0 0
AbbVie Inc COM 00287Y109   1,177,675 8,741 SH   SOLE   5,936 0 2,805
Abbott Laboratories COM 002824100   572,355 5,250 SH   DFND   5,250 0 0
Abbott Laboratories COM 002824100   2,639,919 24,215 SH   SOLE   12,953 0 11,262
Aberdeen Standard Investments PHYSICAL PALLADM 003262102   1,593 14 SH   SOLE   14 0 0
Accenture PLC SHS CLASS A G1151C101   2,565,226 8,313 SH   SOLE   4,187 0 4,126
Activision Blizzard Inc COM 00507V109   255,766 3,034 SH   SOLE   3,034 0 0
Adobe Inc COM 00724F101   2,997,020 6,129 SH   SOLE   2,229 0 3,900
Advance Auto Parts Inc COM 00751Y106   352 5 SH   SOLE   5 0 0
Aflac Inc COM 001055102   24,988 358 SH   SOLE   358 0 0
Air Products and Chemicals Inc COM 009158106   315,106 1,052 SH   SOLE   1,052 0 0
Airbnb Inc COM CL A 009066101   1,520,875 11,867 SH   SOLE   1,547 0 10,320
Alaska Air Group Inc COM 011659109   1,595 30 SH   SOLE   30 0 0
Alexandria Real Estate Equitie COM 015271109   4,540 40 SH   SOLE   40 0 0
Align Technology Inc COM 016255101   566,531 1,602 SH   SOLE   408 0 1,195
Allstate Corp/The COM 020002101   236,726 2,171 SH   SOLE   2,171 0 0
Ally Financial Inc COM 02005N100   8,832 327 SH   SOLE   327 0 0
Alphabet Inc CAP STK CL C 02079K107   84,679 700 SH   DFND   700 0 0
Alphabet Inc CAP STK CL C 02079K107   4,317,782 35,693 SH   SOLE   16,901 0 18,792
Amazon.com Inc COM 023135106   9,180,473 70,424 SH   SOLE   29,270 0 41,154
Amcor PLC ORD G0250X107   72,355 7,250 SH   DFND   7,250 0 0
Amcor PLC ORD G0250X107   400,168 40,097 SH   SOLE   7,540 0 32,557
American Century ETF Trust AVANTIS EMGMKT 025072604   932,366 17,327 SH   SOLE   17,327 0 0
American Century ETF Trust INTL EQT ETF 025072703   782,419 13,631 SH   SOLE   13,631 0 0
American Electric Power Co Inc COM 025537101   84,200 1,000 SH   DFND   1,000 0 0
American Electric Power Co Inc COM 025537101   674,863 8,015 SH   SOLE   2,009 0 6,006
American Tower Corp COM 03027X100   435,007 2,243 SH   SOLE   2,243 0 0
American Water Works Co Inc COM 030420103   5,139 36 SH   SOLE   36 0 0
Americas Mining Corp/United St COM 84265V105   71,740 1,000 SH   SOLE   1,000 0 0
Ameriprise Financial Inc COM 03076C106   544,078 1,638 SH   SOLE   1,638 0 0
Amgen Inc COM 031162100   1,238,872 5,580 SH   SOLE   2,990 0 2,590
Amphenol Corp CL A 032095101   91,151 1,073 SH   SOLE   1,073 0 0
Anheuser-Busch InBev SA/NV SPONSORED ADR 03524A108   56,720 1,000 SH   SOLE   1,000 0 0
Annaly Capital Management Inc COM NEW 035710839   2,741 137 SH   SOLE   137 0 0
Aon PLC SHS CL A G0403H108   85,610 248 SH   SOLE   248 0 0
Apollo Global Management Inc COM 03769M106   7,067 92 SH   SOLE   92 0 0
Apple Hospitality REIT Inc COM NEW 03784Y200   204,333 13,523 SH   SOLE   13,523 0 0
Apple Inc COM 037833100   13,189,960 68,000 SH   DFND   68,000 0 0
Apple Inc COM 037833100   20,343,574 104,880 SH   SOLE   104,880 0 0
Archer-Daniels-Midland Co COM 039483102   74,653 988 SH   SOLE   988 0 0
Ares Capital Corp COM 04010L103   13,529 720 SH   SOLE   720 0 0
Arthur J Gallagher & Co COM 363576109   225,938 1,029 SH   SOLE   1,029 0 0
AstraZeneca PLC SPONSORED ADR 046353108   533,197 7,450 SH   DFND   7,450 0 0
AstraZeneca PLC SPONSORED ADR 046353108   266,097 3,718 SH   SOLE   3,718 0 0
Atlassian Corp CL A 049468101   122,837 732 SH   SOLE   732 0 0
Autodesk Inc COM 052769106   1,176,098 5,748 SH   SOLE   956 0 4,792
AvalonBay Communities Inc COM 053484101   1,325 7 SH   SOLE   7 0 0
Avantor Inc COM 05352A100   3,759 183 SH   SOLE   183 0 0
Axcelis Technologies Inc COM NEW 054540208   54,999 300 SH   SOLE   300 0 0
BAKER HUGHES INC CL A 05722G100   4,742 150 SH   SOLE   150 0 0
BARRICK GOLD CORP COM 067901108   41,411 2,446 SH   SOLE   2,446 0 0
BAXTER INTL INC COM 071813109   121,919 2,676 SH   SOLE   2,676 0 0
BC Partners Holdings Ltd COM CL A 23284C102   14 500 SH   SOLE   500 0 0
BCE Inc COM NEW 05534B760   200,596 4,400 SH   DFND   4,400 0 0
BCE Inc COM NEW 05534B760   931,814 20,439 SH   SOLE   5,442 0 14,997
BECTON DICKINSON COM 075887109   1,848 7 SH   SOLE   7 0 0
BEST BUY CO INC COM 086516101   56,382 688 SH   SOLE   688 0 0
BHP BILLITON LTD SPONSORED ADS 088606108   109,673 1,838 SH   SOLE   1,140 0 698
BJ's Wholesale Club Holdings I COM 05550J101   87,269 1,385 SH   SOLE   1,385 0 0
BK OF AMERICA CORP COM 060505104   2,180,210 75,992 SH   SOLE   75,992 0 0
BK OF MONTREAL COM 063671101   46,058 510 SH   SOLE   510 0 0
BK OF NY MELLON CP COM 064058100   65,266 1,466 SH   SOLE   1,466 0 0
BLACKROCK FUND ADVISORS HDG MSCI EAFE 46434V803   1,472,500 47,500 SH   SOLE   47,500 0 0
BOEING CO COM 097023105   122,895 582 SH   SOLE   582 0 0
BP PLC SPONSORED ADR 055622104   244,560 6,930 SH   SOLE   6,930 0 0
BRISTOL-MYRS SQUIB COM 110122108   127,900 2,000 SH   DFND   2,000 0 0
BRISTOL-MYRS SQUIB COM 110122108   272,107 4,255 SH   SOLE   4,255 0 0
BRITISH AMERICAN TOBACCO PLC SPONSORED ADR 110448107   91,300 2,750 SH   DFND   2,750 0 0
BRITISH AMERICAN TOBACCO PLC SPONSORED ADR 110448107   620,276 18,683 SH   SOLE   5,334 0 13,349
BROWN-FORMAN CORP CL B 115637209   2,271 34 SH   SOLE   34 0 0
BUNGE LIMITED COM G16962105   47,175 500 SH   SOLE   500 0 0
Baidu Inc SPON ADR REP A 056752108   95,016 694 SH   SOLE   331 0 363
Banco Bradesco SA SP ADR PFD NEW 059460303   52,319 15,121 SH   SOLE   7,239 0 7,882
Bancolombia SA SPON ADR PREF 05968L102   64,032 2,400 SH   SOLE   1,145 0 1,255
Barclays PLC ADR 06738E204   68,751 8,747 SH   SOLE   4,187 0 4,560
Berkshire Hathaway Inc CL B NEW 084670702   1,116,434 3,274 SH   SOLE   3,274 0 0
Biogen Inc COM 09062X103   30,764 108 SH   SOLE   108 0 0
Black Stone Minerals LP COM UNIT 09225M101   31,900 2,000 SH   SOLE   2,000 0 0
BlackRock Capital Investment C COM 092533108   223,040 68,000 SH   SOLE   68,000 0 0
BlackRock Fund Advisors MSCI SWEDEN ETF 464286756   3,542 100 SH   SOLE   100 0 0
BlackRock Fund Advisors CORE S&P TTL STK 464287150   5,974,208 61,061 SH   SOLE   61,061 0 0
BlackRock Fund Advisors RUS MDCP VAL ETF 464287473   214,078 1,949 SH   SOLE   1,949 0 0
BlackRock Fund Advisors RUS MD CP GR ETF 464287481   115,956 1,200 SH   SOLE   1,200 0 0
BlackRock Fund Advisors RUS MID CAP ETF 464287499   1,869,568 25,600 SH   SOLE   25,600 0 0
BlackRock Fund Advisors CORE S&P MCP ETF 464287507   54,126 207 SH   DFND   207 0 0
BlackRock Fund Advisors CORE S&P MCP ETF 464287507   33,592,336 128,470 SH   SOLE   113,830 0 14,640
BlackRock Fund Advisors S&P MC 400GR ETF 464287606   47,625 635 SH   SOLE   635 0 0
BlackRock Fund Advisors RUSSELL 3000 ETF 464287689   131,057 515 SH   SOLE   515 0 0
BlackRock Fund Advisors S&P MC 400VL ETF 464287705   137,662 1,285 SH   SOLE   1,285 0 0
BlackRock Fund Advisors CORE S&P SCP ETF 464287804   296,459 2,975 SH   DFND   2,975 0 0
BlackRock Fund Advisors CORE S&P SCP ETF 464287804   29,153,205 292,556 SH   SOLE   254,755 0 37,801
BlackRock Fund Advisors SHRT NAT MUN ETF 464288158   10,137,241 97,436 SH   SOLE   94,367 0 3,069
BlackRock Fund Advisors EAFE SML CP ETF 464288273   59,275 1,005 SH   SOLE   1,005 0 0
BlackRock Fund Advisors INTL SEL DIV ETF 464288448   65,825 2,500 SH   SOLE   2,500 0 0
BlackRock Fund Advisors ISHS 1-5YR INVS 464288646   238,006 4,744 SH   SOLE   4,744 0 0
BlackRock Fund Advisors PFD AND INCM SEC 464288687   361,015 11,672 SH   SOLE   11,672 0 0
BlackRock Fund Advisors MSCI USA ESG SLC 464288802   217,994 2,328 SH   SOLE   2,328 0 0
BlackRock Fund Advisors GSCI CMDTY STGY 46431W853   153,672 5,915 SH   SOLE   5,915 0 0
BlackRock Fund Advisors CORE MSCI EMKT 46434G103   24,349 494 SH   DFND   494 0 0
BlackRock Fund Advisors CORE MSCI EMKT 46434G103   10,135,848 205,637 SH   SOLE   117,876 0 87,761
BlackRock Fund Advisors MSCI JPN ETF NEW 46434G822   1,548 25 SH   SOLE   25 0 0
BlackRock Fund Advisors MSCI ITALY ETF 46434G830   3,183 100 SH   SOLE   100 0 0
BlackRock Fund Advisors IBONDS DEC23 ETF 46434VAX8   47,267 1,869 SH   SOLE   1,869 0 0
BlackRock Fund Advisors IBONDS DEC25 ETF 46434VBD1   18,407 755 SH   SOLE   755 0 0
BlackRock Fund Advisors IBONDS DEC2026 46435GAA0   19,950 850 SH   SOLE   850 0 0
BlackRock Inc COM 09247X101   279,221 404 SH   SOLE   404 0 0
Blackstone Inc COM 09260D107   92,970 1,000 SH   DFND   1,000 0 0
Blackstone Inc COM 09260D107   43,696 470 SH   SOLE   470 0 0
Block Inc CL A 852234103   12,182 183 SH   SOLE   183 0 0
Booking Holdings Inc COM 09857L108   8,101 3 SH   SOLE   3 0 0
BorgWarner Inc COM 099724106   51,160 1,046 SH   SOLE   1,046 0 0
Boston Scientific Corp COM 101137107   188,666 3,488 SH   SOLE   3,488 0 0
Broadcom Inc COM 11135F101   1,177,103 1,357 SH   SOLE   1,357 0 0
Burlington Stores Inc COM 122017106   17,313 110 SH   SOLE   110 0 0
CACI International Inc CL A 127190304   19,428 57 SH   SOLE   57 0 0
CARNIVAL CORP COMMON STOCK 143658300   77,354 4,108 SH   SOLE   1,966 0 2,142
CARRIER GLOBAL CORP COM 14448C104   37,283 750 SH   DFND   750 0 0
CARRIER GLOBAL CORP COM 14448C104   150,273 3,023 SH   SOLE   3,023 0 0
CBRE Group Inc CL A 12504L109   58,434 724 SH   SOLE   724 0 0
CDN NATL RAILWAYS COM 136375102   81,117 670 SH   SOLE   321 0 349
CDW Corp/DE COM 12514G108   1,285 7 SH   SOLE   7 0 0
CF Industries Holdings Inc COM 125269100   12,496 180 SH   SOLE   180 0 0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC US DIVIDEND EQ 808524797   4,793 66 SH   SOLE   66 0 0
CHUBB LIMITED COM COM H1467J104   57,768 300 SH   DFND   300 0 0
CHUBB LIMITED COM COM H1467J104   118,424 615 SH   SOLE   615 0 0
CIBC COM 136069101   196,328 4,600 SH   DFND   4,600 0 0
CIBC COM 136069101   366,664 8,591 SH   SOLE   1,710 0 6,881
CIENA CORP COM NEW 171779309   850 20 SH   SOLE   20 0 0
CINTAS CORP COM 172908105   6,462 13 SH   SOLE   13 0 0
CISCO SYSTEMS COM 17275R102   1,146,817 22,165 SH   SOLE   17,255 0 4,910
CME Group Inc COM 12572Q105   221,051 1,193 SH   SOLE   1,193 0 0
CMS Energy Corp COM 125896100   18,271 311 SH   SOLE   311 0 0
CNX Resources Corp COM 12653C108   4,483 253 SH   SOLE   253 0 0
COGNIZANT TECHNOLO CL A 192446102   24,219 371 SH   SOLE   371 0 0
COLGATE-PALMOLIVE COM 194162103   1,541 20 SH   SOLE   20 0 0
CONAGRA FOODS INC COM 205887102   398,840 11,828 SH   SOLE   3,049 0 8,779
CONOCOPHILLIPS COM 20825C104   1,358,431 13,111 SH   SOLE   13,111 0 0
CONSOL Energy Inc COM 20854L108   1,695 25 SH   SOLE   25 0 0
CORNING INC COM 219350105   52,350 1,494 SH   SOLE   1,494 0 0
CRH PLC ADR 12626K203   72,226 1,296 SH   SOLE   1,296 0 0
CRONOS GROUP INC COM 22717L101   3,940 2,000 SH   DFND   2,000 0 0
CSX CORP COM 126408103   879,610 25,795 SH   SOLE   25,795 0 0
CUMMINS INC COM 231021106   36,039 147 SH   SOLE   147 0 0
CVS Health Corp COM 126650100   326,916 4,729 SH   SOLE   4,729 0 0
Cadence Design Systems Inc COM 127387108   199,577 851 SH   SOLE   851 0 0
Capital One Financial Corp COM 14040H105   95,917 877 SH   SOLE   877 0 0
CarMax Inc COM 143130102   10,379 124 SH   SOLE   124 0 0
Cardinal Health Inc COM 14149Y108   24,210 256 SH   SOLE   256 0 0
Caterpillar Inc COM 149123101   400,077 1,626 SH   SOLE   1,626 0 0
Cboe Global Markets Inc COM 12503M108   2,760 20 SH   SOLE   20 0 0
Celanese Corp COM 150870103   395,573 3,416 SH   SOLE   3,416 0 0
Centene Corp COM 15135B101   6,947 103 SH   SOLE   103 0 0
Charles Schwab Corp/The COM 808513105   382,987 6,757 SH   SOLE   6,757 0 0
Charles Schwab Investment Management Inc US LRG CAP ETF 808524201   191,569 3,658 SH   SOLE   3,658 0 0
Charles Schwab Investment Management Inc US MID-CAP ETF 808524508   71,740 1,010 SH   SOLE   1,010 0 0
Charles Schwab Investment Management Inc US SML CAP ETF 808524607   45,552 1,040 SH   SOLE   1,040 0 0
Charter Communications Inc CL A 16119P108   34,533 94 SH   SOLE   94 0 0
Check Point Software Technolog ORD M22465104   97,230 774 SH   SOLE   370 0 404
Chevron Corp COM 166764100   1,258,800 8,000 SH   DFND   8,000 0 0
Chevron Corp COM 166764100   971,794 6,176 SH   SOLE   5,816 0 360
Chipotle Mexican Grill Inc COM 169656105   21,390 10 SH   SOLE   10 0 0
Church & Dwight Co Inc COM 171340102   1,002 10 SH   SOLE   10 0 0
Cigna Group/The COM 125523100   460,465 1,641 SH   SOLE   1,641 0 0
Cincinnati Financial Corp COM 172062101   25,011 257 SH   SOLE   257 0 0
Citigroup Inc COM NEW 172967424   155,569 3,379 SH   SOLE   3,379 0 0
Citizens Financial Group Inc COM 174610105   65,800 2,523 SH   SOLE   2,523 0 0
Clorox Co/The COM 189054109   112,600 708 SH   SOLE   667 0 41
Coca-Cola Co/The COM 191216100   183,671 3,050 SH   DFND   3,050 0 0
Coca-Cola Co/The COM 191216100   1,087,633 18,061 SH   SOLE   14,704 0 3,357
Comcast Corp CL A 20030N101   747,401 17,988 SH   SOLE   17,988 0 0
Comerica Inc COM 200340107   12,284 290 SH   SOLE   290 0 0
Consolidated Edison Inc COM 209115104   7,232 80 SH   SOLE   80 0 0
Constellation Brands Inc CL A 21036P108   159,000 646 SH   SOLE   646 0 0
Constellation Energy Corp COM 21037T109   218,713 2,389 SH   SOLE   2,389 0 0
Copart Inc COM 217204106   7,844 86 SH   SOLE   86 0 0
Corteva Inc COM 22052L104   13,867 242 SH   SOLE   242 0 0
Costco Wholesale Corp COM 22160K105   1,567,224 2,911 SH   SOLE   2,911 0 0
Crowdstrike Holdings Inc CL A 22788C105   14,246 97 SH   SOLE   97 0 0
Crown Castle Inc COM 22822V101   193,698 1,700 SH   DFND   1,700 0 0
Crown Castle Inc COM 22822V101   819,912 7,196 SH   SOLE   2,167 0 5,029
DEERE & CO COM 244199105   664,106 1,639 SH   SOLE   1,639 0 0
DIAGEO SPON ADR NEW 25243Q205   208,176 1,200 SH   DFND   1,200 0 0
DIAGEO SPON ADR NEW 25243Q205   150,407 867 SH   SOLE   571 0 296
DISCOVER FINL SVCS COM 254709108   3,973 34 SH   SOLE   34 0 0
DOMINION RES(VIR) COM 25746U109   51,790 1,000 SH   DFND   1,000 0 0
DOMINION RES(VIR) COM 25746U109   771,205 14,891 SH   SOLE   5,302 0 9,589
DR HORTON INC COM 23331A109   17,280 142 SH   SOLE   142 0 0
DUKE ENERGY CORP COM NEW 26441C204   98,714 1,100 SH   DFND   1,100 0 0
DUKE ENERGY CORP COM NEW 26441C204   1,533,926 17,093 SH   SOLE   9,053 0 8,040
Danaher Corp COM 235851102   542,400 2,260 SH   SOLE   2,260 0 0
Darden Restaurants Inc COM 237194105   227,396 1,361 SH   SOLE   1,361 0 0
Darling Ingredients Inc COM 237266101   12,886 202 SH   SOLE   202 0 0
Datadog Inc CL A COM 23804L103   5,017 51 SH   SOLE   51 0 0
Dell Technologies Inc CL C 24703L202   4,329 80 SH   SOLE   80 0 0
Delta Air Lines Inc COM NEW 247361702   59,473 1,251 SH   SOLE   1,251 0 0
Devon Energy Corp COM 25179M103   42,201 873 SH   SOLE   873 0 0
Dexcom Inc COM 252131107   7,197 56 SH   SOLE   56 0 0
Diamondback Energy Inc COM 25278X109   5,780 44 SH   SOLE   44 0 0
Digital Realty Trust Inc COM 253868103   35,983 316 SH   SOLE   256 0 60
DocuSign Inc COM 256163106   428,594 8,389 SH   SOLE   888 0 7,501
Dolby Laboratories Inc COM CL A 25659T107   33,472 400 SH   SOLE   400 0 0
Dollar General Corp COM 256677105   60,102 354 SH   SOLE   354 0 0
Dollar Tree Inc COM 256746108   116,522 812 SH   SOLE   812 0 0
Dover Corp COM 260003108   31,007 210 SH   SOLE   210 0 0
Dow Inc COM 260557103   49,479 929 SH   SOLE   929 0 0
DuPont de Nemours Inc COM 26614N102   52,437 734 SH   SOLE   734 0 0
EBAY INC COM 278642103   219,830 4,919 SH   SOLE   4,919 0 0
ECOLAB INC COM 278865100   8,774 47 SH   SOLE   47 0 0
EDISON INTERNATIONAL COM 281020107   12,848 185 SH   SOLE   185 0 0
ELECTRONIC ARTS COM 285512109   68,611 529 SH   SOLE   529 0 0
EMERSON ELECTRIC COM 291011104   170,385 1,885 SH   SOLE   1,885 0 0
ENBRIDGE INC COM 29250N105   1,071,109 28,832 SH   SOLE   10,115 0 18,717
ENI SPONSORED ADR 26874R108   28,790 1,000 SH   SOLE   1,000 0 0
EOG Resources Inc COM 26875P101   59,623 521 SH   SOLE   521 0 0
EQUINIX INC COM 29444U700   209,312 267 SH   SOLE   267 0 0
ERICSSON(LM)TEL ADR B SEK 10 294821608   42,276 7,757 SH   SOLE   3,713 0 4,044
ESTEE LAUDER COS CL A 518439104   163,192 831 SH   SOLE   831 0 0
EXELON CORP COM 30161N101   298,828 7,335 SH   SOLE   7,335 0 0
Eastman Chemical Co COM 277432100   837 10 SH   SOLE   10 0 0
Eaton Corp PLC SHS G29183103   1,001,076 4,978 SH   SOLE   4,978 0 0
Edwards Lifesciences Corp COM 28176E108   87,821 931 SH   SOLE   931 0 0
Elanco Animal Health Inc COM 28414H103   2,575 256 SH   SOLE   256 0 0
Elevance Health Inc COM 036752103   229,698 517 SH   SOLE   517 0 0
Eli Lilly & Co COM 532457108   703,470 1,500 SH   DFND   1,500 0 0
Eli Lilly & Co COM 532457108   1,700,053 3,625 SH   SOLE   3,625 0 0
Enphase Energy Inc COM 29355A107   2,345 14 SH   SOLE   14 0 0
Entergy Corp COM 29364G103   331,740 3,407 SH   SOLE   406 0 3,001
Enviva Inc COM 29415B103   10,850 1,000 SH   SOLE   1,000 0 0
Equifax Inc COM 294429105   8,706 37 SH   SOLE   37 0 0
Equity Residential SH BEN INT 29476L107   11,677 177 SH   SOLE   177 0 0
Essex Property Trust Inc COM 297178105   937 4 SH   SOLE   4 0 0
Everest Re Group Ltd COM G3223R108   154,179 451 SH   SOLE   217 0 234
Eversource Energy COM 30040W108   5,603 79 SH   SOLE   79 0 0
Exact Sciences Corp COM 30063P105   12,019 128 SH   SOLE   128 0 0
Exxon Mobil Corp COM 30231G102   4,504,500 42,000 SH   DFND   42,000 0 0
Exxon Mobil Corp COM 30231G102   2,104,889 19,626 SH   SOLE   19,626 0 0
FACEBOOK INC CL A 30303M102   1,018,779 3,550 SH   SOLE   3,550 0 0
FEDEX CORP COM 31428X106   92,219 372 SH   SOLE   372 0 0
FERRARI NV COM N3167Y103   32,521 100 SH   SOLE   100 0 0
FIRST SOLAR INC COM 336433107   25,092 132 SH   SOLE   132 0 0
FISERV INC COM 337738108   16,904 134 SH   SOLE   134 0 0
FMC Corp COM NEW 302491303   63,752 611 SH   SOLE   611 0 0
FORD MOTOR CO COM 345370860   11,211 741 SH   SOLE   741 0 0
FREEPORT-MCMOR C&G CL B 35671D857   192,160 4,804 SH   SOLE   4,804 0 0
Fair Isaac Corp COM 303250104   129,474 160 SH   SOLE   160 0 0
Fastenal Co COM 311900104   45,540 772 SH   SOLE   772 0 0
Fidelity National Financial In FNF GROUP COM 31620R303   36,000 1,000 SH   SOLE   1,000 0 0
Fidelity National Information COM 31620M106   42,283 773 SH   SOLE   773 0 0
First Citizens BancShares Inc/ CL A 31946M103   25,669 20 SH   SOLE   20 0 0
First Trust Advisors LP FST LOW OPPT EFT 33739Q200   64,545 1,354 SH   DFND   1,354 0 0
First Trust Advisors LP FST LOW OPPT EFT 33739Q200   5,991,928 125,696 SH   SOLE   124,198 0 1,498
FirstEnergy Corp COM 337932107   4,432 114 SH   SOLE   114 0 0
Fortinet Inc COM 34959E109   34,847 461 SH   SOLE   461 0 0
Fortive Corp COM 34959J108   3,739 50 SH   SOLE   50 0 0
Fortune Brands Innovations Inc COM 34964C106   720 10 SH   SOLE   10 0 0
Franklin Resources Inc COM 354613101   31,384 1,175 SH   SOLE   1,175 0 0
GARTNER INC COM 366651107   883,132 2,521 SH   SOLE   619 0 1,902
GE HealthCare Technologies Inc COMMON STOCK 36266G107   71,897 885 SH   SOLE   885 0 0
GEN DYNAMICS CORP COM 369550108   74,657 347 SH   SOLE   347 0 0
GENERAL MILLS INC COM 370334104   268,450 3,500 SH   DFND   3,500 0 0
GENERAL MILLS INC COM 370334104   111,138 1,449 SH   SOLE   1,449 0 0
GOLDMAN SACHS GRP COM 38141G104   162,560 504 SH   SOLE   504 0 0
GSK PLC SPONSORED ADR 37733W204   136,858 3,840 SH   DFND   3,840 0 0
GSK PLC SPONSORED ADR 37733W204   116,329 3,264 SH   SOLE   3,264 0 0
Garmin Ltd SHS H2906T109   1,043 10 SH   SOLE   10 0 0
General Electric Co COM NEW 369604301   360,198 3,279 SH   SOLE   3,279 0 0
General Motors Co COM 37045V100   22,442 582 SH   SOLE   582 0 0
Genesco Inc COM 371532102   25,040 1,000 SH   SOLE   1,000 0 0
Genuine Parts Co COM 372460105   103,230 610 SH   SOLE   610 0 0
Gilead Sciences Inc COM 375558103   663,650 8,611 SH   SOLE   4,255 0 4,356
Global Payments Inc COM 37940X102   2,069 21 SH   SOLE   21 0 0
Goldman Sachs Asset Management LP UNIT 38150K103   2,798 147 SH   SOLE   147 0 0
GraniteShares ETF Trust SHS BEN INT 38748T103   2,095 237 SH   SOLE   237 0 0
HALLIBURTON COM 406216101   14,318 434 SH   SOLE   434 0 0
HARMONY GOLD MNG SPONSORED ADR 413216300   1,050 250 SH   SOLE   250 0 0
HCA Healthcare Inc COM 40412C101   220,933 728 SH   SOLE   728 0 0
HDFC BANK SPONSORED ADS 40415F101   156,407 2,244 SH   SOLE   1,547 0 697
HERSHEY CO (THE) COM 427866108   4,245 17 SH   SOLE   17 0 0
HONDA MOTOR CO AMERN SHS 438128308   67,682 2,233 SH   SOLE   1,067 0 1,166
HORIZON THERAPEUTICS PLC SHS G46188101   15,428 150 SH   SOLE   150 0 0
HP Inc COM 40434L105   6,664 217 SH   SOLE   217 0 0
HSBC HLDGS SPON ADR NEW 404280406   88,392 2,231 SH   SOLE   1,062 0 1,169
HUBSPOT INC COM 443573100   9,046 17 SH   SOLE   17 0 0
HUMANA INC COM 444859102   12,967 29 SH   SOLE   29 0 0
Haleon PLC SPON ADS 405552100   26,690 3,185 SH   SOLE   3,185 0 0
Hartford Financial Services Gr COM 416515104   106,085 1,473 SH   SOLE   1,473 0 0
Henry Schein Inc COM 806407102   4,379 54 SH   SOLE   54 0 0
Hess Corp COM 42809H107   138,669 1,020 SH   SOLE   1,020 0 0
Hewlett Packard Enterprise Co COM 42824C109   8,971 534 SH   SOLE   534 0 0
Hilton Worldwide Holdings Inc COM 43300A203   1,019 7 SH   SOLE   7 0 0
Home Depot Inc/The COM 437076102   12,426 40 SH   DFND   40 0 0
Home Depot Inc/The COM 437076102   2,636,402 8,487 SH   SOLE   8,487 0 0
Honeywell International Inc COM 438516106   228,250 1,100 SH   DFND   1,100 0 0
Honeywell International Inc COM 438516106   966,328 4,657 SH   SOLE   4,657 0 0
Hubbell Inc COM 443510607   116,046 350 SH   SOLE   350 0 0
Huntington Bancshares Inc/OH COM 446150104   21,560 2,000 SH   DFND   2,000 0 0
Huntington Bancshares Inc/OH COM 446150104   476,702 44,221 SH   SOLE   7,963 0 36,258
ICICI BANK ADR 45104G104   145,612 6,309 SH   SOLE   3,025 0 3,284
ICON PLC SHS G4705A100   171,387 685 SH   SOLE   329 0 356
IDEXX Laboratories Inc COM 45168D104   12,556 25 SH   SOLE   25 0 0
ILLINOIS TOOL WKS COM 452308109   2,084,583 8,333 SH   SOLE   8,333 0 0
IMPERIAL OIL COM NEW 453038408   2,558 50 SH   SOLE   50 0 0
INTERCONTINENTAL EXCHANGE COM 45866F104   394,197 3,486 SH   SOLE   3,486 0 0
INTL BUSINESS MCHN COM 459200101   672,395 5,025 SH   SOLE   5,025 0 0
INTL FLAVORS&FRAG COM 459506101   3,900 49 SH   SOLE   49 0 0
INVESCO SHS G491BT108   29,451 1,752 SH   SOLE   1,752 0 0
IQVIA Holdings Inc COM 46266C105   6,743 30 SH   SOLE   30 0 0
ISHARES CORE S&P500 ETF 464287200   10,362,312 23,249 SH   SOLE   22,566 0 683
ISHARES IBOXX INV CP ETF 464287242   37,849 350 SH   SOLE   350 0 0
ISHARES GLOB HLTHCRE ETF 464287325   18,018 212 SH   SOLE   212 0 0
ISHARES RUS 2000 VAL ETF 464287630   50,829 361 SH   SOLE   361 0 0
ISHARES RUSSELL 2000 ETF 464287655   1,532,430 8,183 SH   SOLE   8,183 0 0
ISHARES U.S. ENERGY ETF 464287796   478,009 11,158 SH   SOLE   11,158 0 0
ISHARES SP SMCP600VL ETF 464287879   57,054 600 SH   SOLE   600 0 0
ISHARES ISHARES 46428Q109   3,823 183 SH   SOLE   183 0 0
ISHARES CORE MSCI EAFE 46432F842   11,987,730 177,596 SH   SOLE   141,816 0 35,780
ISHARES GOLD TRUST ISHARES NEW 464285204   392,575 10,788 SH   SOLE   10,788 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   2,055,933 51,970 SH   SOLE   51,970 0 0
ISHARES TRUST TIPS BD ETF 464287176   53,810 500 SH   SOLE   500 0 0
ISHARES TRUST 1 3 YR TREAS BD 464287457   97,296 1,200 SH   SOLE   1,200 0 0
ISHARES TRUST RUS 1000 VAL ETF 464287598   1,951,094 12,362 SH   SOLE   11,989 0 373
ISHARES/USA RUS 1000 GRW ETF 464287614   5,554,783 20,186 SH   SOLE   20,186 0 0
ISHARES/USA S&P SML 600 GWT 464287887   513,622 4,469 SH   SOLE   4,469 0 0
ISHARES/USA NATIONAL MUN ETF 464288414   6,175,718 57,863 SH   SOLE   57,357 0 506
Illumina Inc COM 452327109   946,262 5,047 SH   SOLE   602 0 4,445
Ingersoll Rand Inc COM 45687V106   225,100 3,444 SH   SOLE   3,444 0 0
Intel Corp COM 458140100   276,214 8,260 SH   SOLE   8,260 0 0
International Paper Co COM 460146103   27,293 858 SH   SOLE   858 0 0
Intuit Inc COM 461202103   364,719 796 SH   SOLE   796 0 0
Intuitive Surgical Inc COM NEW 46120E602   566,937 1,658 SH   SOLE   1,658 0 0
Invesco Capital Management LLC UNIT SER 1 46090E103   194,684 527 SH   SOLE   527 0 0
Invesco Capital Management LLC S&P500 EQL WGT 46137V357   407,769 2,725 SH   SOLE   2,725 0 0
Invesco Capital Management LLC S&P SMCP VLU MNT 46137V480   7,477 161 SH   SOLE   161 0 0
Invesco Capital Management LLC SR LN ETF 46138G508   97,352 4,627 SH   SOLE   4,627 0 0
Itau Unibanco Holding SA SPON ADR REP PFD 465562106   84,099 14,254 SH   SOLE   6,811 0 7,443
JPMorgan Chase & Co COM 46625H100   945,360 6,500 SH   DFND   6,500 0 0
JPMorgan Chase & Co COM 46625H100   2,548,254 17,521 SH   SOLE   17,492 0 29
JPMorgan Chase Bank NA COM 33616C100   13 24 SH   SOLE   24 0 0
JUNIPER NETWORKS COM 48203R104   29,482 941 SH   SOLE   941 0 0
Jacobs Solutions Inc COM 46982L108   38,164 321 SH   SOLE   321 0 0
Johnson & Johnson COM 478160104   413,800 2,500 SH   DFND   2,500 0 0
Johnson & Johnson COM 478160104   2,611,906 15,780 SH   SOLE   15,780 0 0
Johnson Controls International SHS G51502105   159,175 2,336 SH   SOLE   2,336 0 0
KELLOGG CO COM 487836108   13,480 200 SH   SOLE   200 0 0
KIMBERLY-CLARK CP COM 494368103   276,120 2,000 SH   DFND   2,000 0 0
KIMBERLY-CLARK CP COM 494368103   915,476 6,631 SH   SOLE   2,731 0 3,900
KLA Corp COM NEW 482480100   272,581 562 SH   SOLE   562 0 0
KRAFT FOODS INC CL A 609207105   662,295 9,080 SH   SOLE   9,080 0 0
KROGER COM 501044101   646,391 13,753 SH   SOLE   13,753 0 0
Kartoon Studios Inc None 37229T509   191 100 SH   SOLE   100 0 0
KeyCorp COM 493267108   192,072 20,787 SH   SOLE   4,134 0 16,653
Keysight Technologies Inc COM 49338L103   6,531 39 SH   SOLE   39 0 0
Kinder Morgan Inc COM 49456B101   41,655 2,419 SH   SOLE   2,419 0 0
Kingdom of Norway Ministry of SPONSORED ADR 29446M102   109,625 3,753 SH   SOLE   1,790 0 1,963
Kraft Heinz Co/The COM 500754106   3,621 102 SH   SOLE   102 0 0
Kyndryl Holdings Inc COMMON STOCK 50155Q100   11,049 832 SH   SOLE   832 0 0
L3Harris Technologies Inc COM 502431109   82,615 422 SH   SOLE   422 0 0
LAS VEGAS SANDS CO COM 517834107   2,900 50 SH   SOLE   50 0 0
LENNAR CORP CL A 526057104   524,422 4,185 SH   SOLE   4,185 0 0
LOWE'S COS INC COM 548661107   589,980 2,614 SH   SOLE   2,614 0 0
LULULEMON ATHLETIC COM 550021109   37,850 100 SH   DFND   100 0 0
Laboratory Corp of America Hol COM NEW 50540R409   41,750 173 SH   SOLE   173 0 0
Lam Research Corp COM 512807108   382,502 595 SH   SOLE   595 0 0
Lamb Weston Holdings Inc COM 513272104   5,173 45 SH   SOLE   45 0 0
Lattice Semiconductor Corp COM 518415104   72,053 750 SH   SOLE   750 0 0
Leggett & Platt Inc COM 524660107   112,971 3,814 SH   SOLE   3,814 0 0
Lennar Corp CL B 526057302   8,925 79 SH   SOLE   79 0 0
Lincoln Electric Holdings Inc COM 533900106   95,541 481 SH   SOLE   481 0 0
Linde PLC None G54950103   134,521 353 SH   SOLE   353 0 0
Littelfuse Inc COM 537008104   58,262 200 SH   SOLE   200 0 0
Lockheed Martin Corp COM 539830109   18,415 40 SH   DFND   40 0 0
Lockheed Martin Corp COM 539830109   313,519 681 SH   SOLE   681 0 0
Lumentum Holdings Inc COM 55024U109   2,553 45 SH   SOLE   45 0 0
LyondellBasell Industries NV SHS - A - N53745100   715,999 7,797 SH   SOLE   1,234 0 6,563
M&T Bank Corp COM 55261F104   8,292 67 SH   SOLE   67 0 0
MARATHON OIL CORP COM 565849106   13,835 601 SH   SOLE   601 0 0
MARSH & MCLENNAN COM 571748102   175,479 933 SH   SOLE   933 0 0
MASTERCARD INC CL A 57636Q104   2,359,013 5,998 SH   SOLE   1,830 0 4,168
MCCORMICK & CO INC COM NON VTG 579780206   27,303 313 SH   SOLE   313 0 0
MCDONALD'S CORP COM 580135101   305,870 1,025 SH   DFND   1,025 0 0
MCDONALD'S CORP COM 580135101   742,742 2,489 SH   SOLE   2,489 0 0
MCKESSON CORP COM 58155Q103   171,779 402 SH   SOLE   402 0 0
MGM MIRAGE INC COM 552953101   193,160 4,398 SH   SOLE   4,398 0 0
MICROSOFT CORP COM 594918104   204,324 600 SH   DFND   600 0 0
MICROSOFT CORP COM 594918104   9,154,056 26,881 SH   SOLE   20,792 0 6,089
MOODYS CORP COM 615369105   119,268 343 SH   SOLE   343 0 0
MORGAN STANLEY COM NEW 617446448   150,646 1,764 SH   SOLE   1,764 0 0
MOTOROLA INC COM NEW 620076307   379,211 1,293 SH   SOLE   1,293 0 0
MSCI Inc COM 55354G100   52,091 111 SH   SOLE   111 0 0
Magna International Inc COM 559222401   56,609 1,003 SH   SOLE   480 0 523
Marathon Digital Holdings Inc COM 565788106   1,968 142 SH   SOLE   142 0 0
Marathon Petroleum Corp COM UNIT REP LTD 55336V100   1,697 50 SH   SOLE   50 0 0
Marathon Petroleum Corp COM 56585A102   237,281 2,035 SH   SOLE   2,035 0 0
Marriott International Inc/MD CL A 571903202   224,285 1,221 SH   SOLE   1,221 0 0
Marvell Technology Inc COM 573874104   97,740 1,635 SH   SOLE   1,635 0 0
Masterbrand Inc COMMON STOCK 57638P104   116 10 SH   SOLE   10 0 0
Match Group Inc COM 57667L107   13,811 330 SH   SOLE   330 0 0
Medical Properties Trust Inc COM 58463J304   4,158 449 SH   SOLE   449 0 0
Medtronic PLC SHS G5960L103   595,116 6,755 SH   SOLE   3,146 0 3,609
Merck & Co Inc COM 58933Y105   346,170 3,000 SH   DFND   3,000 0 0
Merck & Co Inc COM 58933Y105   1,407,296 12,196 SH   SOLE   12,196 0 0
MetLife Inc COM 59156R108   93,048 1,646 SH   SOLE   1,646 0 0
Microchip Technology Inc COM 595017104   65,849 735 SH   SOLE   735 0 0
Micron Technology Inc COM 595112103   686,826 10,883 SH   SOLE   10,883 0 0
Mid-America Apartment Communit COM 59522J103   4,100 27 SH   SOLE   27 0 0
Moderna Inc COM 60770K107   2,430 20 SH   SOLE   20 0 0
MongoDB Inc CL A 60937P106   7,398 18 SH   SOLE   18 0 0
Monster Beverage Corp COM 61174X109   374,279 6,516 SH   SOLE   6,516 0 0
Morningstar Inc COM 617700109   19,607 100 SH   SOLE   100 0 0
Murphy Oil Corp COM 626717102   8,541 223 SH   SOLE   223 0 0
NETFLIX INC COM 64110L106   3,058,322 6,943 SH   SOLE   846 0 6,097
NEWMONT MINING CP COM 651639106   85,064 1,994 SH   SOLE   1,994 0 0
NEXTERA ENERGY COM 65339F101   296,800 4,000 SH   DFND   4,000 0 0
NEXTERA ENERGY COM 65339F101   1,546,105 20,837 SH   SOLE   20,837 0 0
NIKE INC CL B 654106103   1,376,204 12,469 SH   SOLE   6,759 0 5,710
NORTHERN TRUST CORP COM 665859104   26,616 359 SH   SOLE   359 0 0
NORTHROP GRUMMAN COM 666807102   72,472 159 SH   SOLE   159 0 0
NRG Energy Inc COM NEW 629377508   13,909 372 SH   SOLE   372 0 0
NVIDIA Corp COM 67066G104   423,020 1,000 SH   DFND   1,000 0 0
NVIDIA Corp COM 67066G104   3,599,477 8,509 SH   SOLE   8,509 0 0
NXP Semiconductors NV COM N6596X109   1,228 6 SH   SOLE   6 0 0
National Amusements Inc CLASS B COM 92556H206   14,924 938 SH   SOLE   938 0 0
National Grid PLC SPONSORED ADR NE 636274409   235,655 3,500 SH   DFND   3,500 0 0
National Grid PLC SPONSORED ADR NE 636274409   839,066 12,462 SH   SOLE   3,618 0 8,844
New Gold Inc COM 644535106   1,080 1,000 SH   SOLE   1,000 0 0
Newell Brands Inc COM 651229106   9,631 1,107 SH   SOLE   1,107 0 0
NiSource Inc COM 65473P105   1,094 40 SH   SOLE   40 0 0
Nice Ltd SPONSORED ADR 653656108   121,422 588 SH   SOLE   281 0 307
Nordson Corp COM 655663102   50,381 203 SH   SOLE   203 0 0
Norfolk Southern Corp COM 655844108   128,573 567 SH   SOLE   567 0 0
Northern Trust Investments Inc MORNSTAR UPSTR 33939L407   12,422 310 SH   SOLE   310 0 0
Novartis AG SPONSORED ADR 66987V109   95,259 944 SH   SOLE   503 0 441
Nucor Corp COM 670346105   281,718 1,718 SH   SOLE   1,718 0 0
O'Reilly Automotive Inc COM 67103H107   91,709 96 SH   SOLE   96 0 0
OCCIDENTAL PETROLEUM CORP *W EXP 08/03/202 674599162   405 11 SH   SOLE   11 0 0
OMNICOM GROUP INC COM 681919106   5,138 54 SH   SOLE   54 0 0
ON Semiconductor Corp COM 682189105   4,445 47 SH   SOLE   47 0 0
ONEOK Inc COM 682680103   36,353 589 SH   SOLE   589 0 0
OPKO Health Inc COM 68375N103   4,340 2,000 SH   SOLE   2,000 0 0
ORACLE CORP COM 68389X105   503,513 4,228 SH   SOLE   4,228 0 0
Occidental Petroleum Corp COM 674599105   25,166 428 SH   SOLE   428 0 0
Old Dominion Freight Line Inc COM 679580100   11,832 32 SH   SOLE   32 0 0
Omega Healthcare Investors Inc COM 681936100   14,516 473 SH   SOLE   473 0 0
Organon & Co COMMON STOCK 68622V106   6,243 300 SH   DFND   300 0 0
Organon & Co COMMON STOCK 68622V106   11,758 565 SH   SOLE   565 0 0
Otis Worldwide Corp COM 68902V107   33,379 375 SH   DFND   375 0 0
Otis Worldwide Corp COM 68902V107   151,139 1,698 SH   SOLE   1,698 0 0
Owens Corning COM 690742101   152,685 1,170 SH   SOLE   1,170 0 0
PACCAR INC COM 693718108   32,874 393 SH   SOLE   393 0 0
PARKER-HANNIFIN COM 701094104   16,382 42 SH   SOLE   42 0 0
PEPSICO INC COM 713448108   185,220 1,000 SH   DFND   1,000 0 0
PEPSICO INC COM 713448108   1,382,112 7,462 SH   SOLE   7,462 0 0
PHILIP MORRIS INTL COM 718172109   283,098 2,900 SH   DFND   2,900 0 0
PHILIP MORRIS INTL COM 718172109   1,740,467 17,829 SH   SOLE   8,624 0 9,205
PIONEER NATURAL RESOURCE COM 723787107   110,841 535 SH   SOLE   535 0 0
PNC Financial Services Group I COM 693475105   634,788 5,040 SH   SOLE   1,373 0 3,667
PPG Industries Inc COM 693506107   12,309 83 SH   SOLE   83 0 0
PPL CORP COM 69351T106   33,075 1,250 SH   DFND   1,250 0 0
PPL CORP COM 69351T106   441,723 16,694 SH   SOLE   6,581 0 10,113
PROGRESSIVE CP(OH) COM 743315103   98,086 741 SH   SOLE   741 0 0
PRUDENTIAL FINL COM 744320102   14,203 161 SH   SOLE   161 0 0
PULTE HOMES INC COM 745867101   31,849 410 SH   SOLE   410 0 0
Palo Alto Networks Inc COM 697435105   84,318 330 SH   SOLE   330 0 0
Pangaea Logistics Solutions Lt SHS G6891L105   6,770 1,000 SH   SOLE   1,000 0 0
PayPal Holdings Inc COM 70450Y103   1,596,048 23,918 SH   SOLE   3,523 0 20,395
Paychex Inc COM 704326107   55,376 495 SH   SOLE   495 0 0
Penske Automotive Group Inc COM 70959W103   20,829 125 SH   SOLE   125 0 0
Pfizer Inc COM 717081103   1,893,605 51,625 SH   SOLE   37,295 0 14,330
Pfizer Inc CL A 98978V103   1,163,967 6,759 SH   SOLE   1,928 0 4,831
Phillips 66 COM 718546104   106,349 1,115 SH   SOLE   1,115 0 0
Principal Financial Group Inc COM 74251V102   6,067 80 SH   SOLE   80 0 0
Procter & Gamble Co/The COM 742718109   303,480 2,000 SH   DFND   2,000 0 0
Procter & Gamble Co/The COM 742718109   1,953,804 12,876 SH   SOLE   12,876 0 0
Prologis Inc COM 74340W103   167,022 1,362 SH   SOLE   1,362 0 0
Prudential PLC ADR 74435K204   51,004 1,801 SH   SOLE   803 0 998
Public Service Enterprise Grou COM 744573106   20,286 324 SH   SOLE   324 0 0
Public Storage COM 74460D109   145,940 500 SH   DFND   500 0 0
Public Storage COM 74460D109   3,503 12 SH   SOLE   12 0 0
QUALCOMM Inc COM 747525103   342,716 2,879 SH   SOLE   2,879 0 0
Quanta Services Inc COM 74762E102   17,681 90 SH   SOLE   90 0 0
REALTY INCOME CORP COM 756109104   44,843 750 SH   DFND   750 0 0
REALTY INCOME CORP COM 756109104   359,936 6,020 SH   SOLE   1,690 0 4,330
REGENERON PHARMACEUTICALS COM 75886F107   38,801 54 SH   SOLE   54 0 0
RELX PLC SPONSORED ADR 759530108   121,618 3,638 SH   SOLE   1,736 0 1,902
RESTAURANT BRANDS INTERNATIONA COM 76131D103   120,078 1,549 SH   SOLE   739 0 810
ROCKWELL AUTOMATION COM 773903109   136,392 414 SH   SOLE   414 0 0
ROPER INDUSTRIES INC COM 776696106   7,693 16 SH   SOLE   16 0 0
ROYAL CARIBBEAN COM V7780T103   52,700 508 SH   SOLE   508 0 0
Raytheon Technologies Corp COM 75513E101   73,470 750 SH   DFND   750 0 0
Raytheon Technologies Corp COM 75513E101   477,555 4,875 SH   SOLE   4,875 0 0
Reaves Utility Income Trust/Cl COM SH BEN INT 756158101   126,763 4,623 SH   SOLE   4,623 0 0
Regions Financial Corp COM 7591EP100   40,541 2,275 SH   SOLE   2,275 0 0
Reliance Steel & Aluminum Co COM 759509102   263,442 970 SH   SOLE   970 0 0
Republic Services Inc COM 760759100   10,416 68 SH   SOLE   68 0 0
ResMed Inc COM 761152107   3,496 16 SH   SOLE   16 0 0
Rio Tinto PLC SPONSORED ADR 767204100   194,201 3,042 SH   SOLE   2,445 0 597
Rithm Capital Corp COM NEW 64828T201   2,852 305 SH   SOLE   305 0 0
Robert Half International Inc COM 770323103   19,031 253 SH   SOLE   253 0 0
Rogers Communications Inc CL B 775109200   48,287 1,058 SH   SOLE   507 0 551
Roku Inc COM CL A 77543R102   3,198 50 SH   SOLE   50 0 0
Ross Stores Inc COM 778296103   19,623 175 SH   SOLE   175 0 0
Ryder System Inc COM 783549108   10,599 125 SH   SOLE   125 0 0
S&P Global Inc COM 78409V104   262,182 654 SH   SOLE   654 0 0
SALESFORCE.COM INC COM 79466L302   2,209,568 10,459 SH   SOLE   3,175 0 7,284
SAP SE SPON ADR 803054204   69,363 507 SH   SOLE   507 0 0
SBA Communications Corp CL A 78410G104   927 4 SH   SOLE   4 0 0
SCOTTS MIRACLE-GRO CO/THE CL A 810186106   3,135 50 SH   SOLE   50 0 0
SELECT SECTOR SPDR SBI HEALTHCARE 81369Y209   91,318 688 SH   SOLE   688 0 0
SELECT SECTOR SPDR ENERGY 81369Y506   2,236,639 27,555 SH   SOLE   8,862 0 18,693
SELECT SECTOR SPDR FINANCIAL 81369Y605   432,196 12,821 SH   SOLE   12,821 0 0
SELECT SECTOR SPDR TECHNOLOGY 81369Y803   121,702 700 SH   SOLE   700 0 0
SEMPRA ENERGY COM 816851109   46,443 319 SH   SOLE   319 0 0
SIMON PROP GROUP COM 828806109   2,772 24 SH   SOLE   24 0 0
SMUCKER(JM)CO COM NEW 832696405   3,101 21 SH   SOLE   21 0 0
SOUTHWEST AIRLINES COM 844741108   359,348 9,924 SH   SOLE   9,924 0 0
SPDR DOW JONES IND UT SER 1 78467X109   24,413 71 SH   SOLE   71 0 0
SPDR GOLD TRUST GOLD SHS 78463V107   14,440 81 SH   SOLE   81 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853   693,644 17,859 SH   SOLE   17,859 0 0
SSGA FUNDS MANAGEMENT INC PORTFOLIO DEVLPD 78463X889   77,608 2,385 SH   SOLE   2,385 0 0
SSGA Funds Management Inc S&P DIVID ETF 78464A763   71,342 582 SH   SOLE   582 0 0
SSgA Funds Management Inc TR UNIT 78462F103   8,003,864 18,056 SH   SOLE   18,056 0 0
STARBUCKS CORP COM 855244109   114,612 1,157 SH   SOLE   1,157 0 0
STATE STREET ETF/USA UTSER1 S&PDCRP 78467Y107   8,795,661 18,366 SH   SOLE   18,209 0 157
SYNCHRONY FINANCIAL COM 87165B103   157,423 4,641 SH   SOLE   4,641 0 0
Sanofi SPONSORED ADR 80105N105   269,500 5,000 SH   DFND   5,000 0 0
Sanofi SPONSORED ADR 80105N105   524,770 9,736 SH   SOLE   2,233 0 7,503
Schlumberger NV COM STK 806857108   56,930 1,159 SH   SOLE   1,159 0 0
Schwab ETFs/USA US REIT ETF 808524847   98,177 5,027 SH   SOLE   4,959 0 68
Sea Ltd SPONSORD ADS 81141R100   5,514 95 SH   SOLE   95 0 0
Seagate Technology Holdings PL ORD SHS G7997R103   57,601 931 SH   SOLE   931 0 0
ServiceNow Inc COM 81762P102   2,377,695 4,231 SH   SOLE   606 0 3,625
Shell PLC SPON ADS 780259305   116,050 1,922 SH   SOLE   969 0 953
Sherwin-Williams Co/The COM 824348106   1,593 6 SH   SOLE   6 0 0
Skyworks Solutions Inc COM 83088M102   3,763 34 SH   SOLE   34 0 0
Smith & Nephew PLC SPDN ADR NEW 83175M205   68,015 2,109 SH   SOLE   1,014 0 1,095
Sony Group Corp SPONSORED ADR 835699307   130,018 1,444 SH   SOLE   975 0 469
Southern Co/The COM 842587107   281,000 4,000 SH   DFND   4,000 0 0
Southern Co/The COM 842587107   996,637 14,187 SH   SOLE   5,383 0 8,804
Splunk Inc COM 848637104   26,204 247 SH   SOLE   247 0 0
Starwood Property Trust Inc COM 85571B105   47,918 2,470 SH   SOLE   2,470 0 0
State Street Corp COM 857477103   17,636 241 SH   SOLE   241 0 0
State Street Global Advisors Inc SPDR MSCI USA GE 78468R747   166,043 1,886 SH   SOLE   1,886 0 0
Steel Dynamics Inc COM 858119100   12,091 111 SH   SOLE   111 0 0
Stryker Corp COM 863667101   23,492 77 SH   SOLE   77 0 0
Sumitomo Mitsui Financial Grou SPONSORED ADR 86562M209   645 75 SH   SOLE   75 0 0
Sun Communities Inc COM 866674104   4,697 36 SH   SOLE   36 0 0
Synopsys Inc COM 871607107   14,369 33 SH   SOLE   33 0 0
Sysco Corp COM 871829107   44,297 597 SH   SOLE   597 0 0
T Rowe Price Group Inc COM 74144T108   95,217 850 SH   SOLE   850 0 0
T-Mobile US Inc COM 872590104   185,293 1,334 SH   SOLE   1,334 0 0
TC Energy Corp COM 87807B107   604,089 14,949 SH   SOLE   2,565 0 12,384
TE Connectivity Ltd SHS H84989104   93,627 668 SH   SOLE   668 0 0
TEXAS INSTRUMENTS COM 882508104   875,617 4,864 SH   SOLE   4,864 0 0
TJX Cos Inc/The COM 872540109   276,670 3,263 SH   SOLE   3,263 0 0
TORONTO-DOMINION COM NEW 891160509   172,264 2,778 SH   SOLE   2,778 0 0
TRACTOR SUPPLY CO COM 892356106   5,970 27 SH   SOLE   27 0 0
TRAVEL PLUS LEISURE CO COM 894164102   23,599 585 SH   SOLE   585 0 0
TRAVELERS CO INC COM 89417E109   236,004 1,359 SH   SOLE   1,359 0 0
TSMC SPONSORED ADS 874039100   374,413 3,710 SH   SOLE   2,988 0 722
Targa Resources Corp COM 87612G101   34,245 450 SH   SOLE   450 0 0
Target Corp COM 87612E106   167,249 1,268 SH   SOLE   1,268 0 0
Teradyne Inc COM 880770102   59,116 531 SH   SOLE   531 0 0
Tesla Inc COM 88160R101   799,446 3,054 SH   SOLE   3,054 0 0
Textron Inc COM 883203101   10,483 155 SH   SOLE   155 0 0
Thermo Fisher Scientific Inc COM 883556102   1,649,774 3,162 SH   SOLE   1,363 0 1,799
TotalEnergies SE SPONSORED ADS 89151E109   1,059,481 18,381 SH   SOLE   4,283 0 14,098
Trade Desk Inc/The COM CL A 88339J105   29,498 382 SH   SOLE   382 0 0
Trane Technologies PLC SHS G8994E103   909,059 4,753 SH   SOLE   4,753 0 0
Truist Financial Corp COM 89832Q109   562,234 18,525 SH   SOLE   6,083 0 12,442
Tyson Foods Inc CL A 902494103   5,104 100 SH   SOLE   100 0 0
US Bancorp COM NEW 902973304   490,148 14,835 SH   SOLE   3,394 0 11,441
US NATURAL GAS FD UNIT PAR 912318300   2,367 319 SH   SOLE   319 0 0
UTD PARCEL SERV CL B 911312106   224,063 1,250 SH   DFND   1,250 0 0
UTD PARCEL SERV CL B 911312106   761,454 4,248 SH   SOLE   1,926 0 2,322
Uber Technologies Inc COM 90353T100   3,626 84 SH   SOLE   84 0 0
Ulta Beauty Inc COM 90384S303   66,824 142 SH   SOLE   142 0 0
Unilever PLC SPON ADR NEW 904767704   52,130 1,000 SH   DFND   1,000 0 0
Unilever PLC SPON ADR NEW 904767704   684,154 13,124 SH   SOLE   3,714 0 9,410
Union Pacific Corp COM 907818108   165,538 809 SH   SOLE   809 0 0
UnitedHealth Group Inc COM 91324P102   2,827,124 5,882 SH   SOLE   3,562 0 2,320
VANGUARD S&P 500 ETF SHS 922908363   150,286 369 SH   DFND   369 0 0
VANGUARD S&P 500 ETF SHS 922908363   38,975,881 95,698 SH   SOLE   46,968 0 48,730
VANGUARD ETF/USA FTSE EMR MKT ETF 922042858   3,272,991 80,457 SH   SOLE   26,224 0 54,233
VANGUARD ETF/USA SHRT TRM CORP BD 92206C409   5,843,524 77,234 SH   SOLE   70,786 0 6,448
VANGUARD ETF/USA LONG TERM TREAS 92206C847   11,499 181 SH   SOLE   181 0 0
VANGUARD ETF/USA INT-TERM CORP 92206C870   39,120 495 SH   SOLE   495 0 0
VANGUARD ETF/USA SM CP VAL ETF 922908611   1,497,035 9,051 SH   SOLE   5,679 0 3,372
VANGUARD ETF/USA TOTAL STK MKT 922908769   846,977 3,845 SH   SOLE   3,845 0 0
VANGUARD GROUP INC/THE SHORT TERM TREAS 92206C102   910,691 15,775 SH   SOLE   15,775 0 0
VANGUARD GROUP INC/THE LG-TERM COR BD 92206C813   11,538 147 SH   SOLE   147 0 0
VANGUARD WHITEHALL HIGH DIV YLD 921946406   144,679 1,364 SH   DFND   1,364 0 0
VERIZON COMMUN COM 92343V104   241,735 6,500 SH   DFND   6,500 0 0
VERIZON COMMUN COM 92343V104   1,334,303 35,878 SH   SOLE   14,812 0 21,066
VF Corp COM 918204108   3,360 176 SH   SOLE   176 0 0
VIATRIS INC COM 92556V106   16,976 1,701 SH   SOLE   1,701 0 0
VISA INC COM CL A 92826C839   2,969,687 12,505 SH   SOLE   5,946 0 6,559
VMware Inc CL A COM 928563402   4,454 31 SH   SOLE   31 0 0
Valero Energy Corp COM 91913Y100   325,859 2,778 SH   SOLE   2,778 0 0
Vanguard ETF/USA VAN FTSE DEV MKT 921943858   1,636,989 35,448 SH   SOLE   8,834 0 26,614
Vanguard ETF/USA ALLWRLD EX US 922042775   92,497 1,700 SH   SOLE   1,700 0 0
Vanguard ETF/USA ENERGY ETF 92204A306   2,414,830 21,391 SH   SOLE   7,809 0 13,582
Vanguard ETF/USA INF TECH ETF 92204A702   221,080 500 SH   SOLE   500 0 0
Vanguard ETF/USA MCAP VL IDXVIP 922908512   1,572,274 11,362 SH   SOLE   7,393 0 3,969
Vanguard ETF/USA MCAP GR IDXVIP 922908538   164,616 800 SH   SOLE   800 0 0
Vanguard ETF/USA REAL ESTATE ETF 922908553   430,334 5,150 SH   DFND   5,150 0 0
Vanguard ETF/USA REAL ESTATE ETF 922908553   3,339,225 39,962 SH   SOLE   39,729 0 233
Vanguard ETF/USA SML CP GRW ETF 922908595   28,947 126 SH   SOLE   126 0 0
Vanguard ETF/USA MID CAP ETF 922908629   4,762,501 21,632 SH   SOLE   15,570 0 6,062
Vanguard ETF/USA GROWTH ETF 922908736   28,296 100 SH   SOLE   100 0 0
Vanguard ETF/USA VALUE ETF 922908744   6,398,337 45,027 SH   SOLE   30,503 0 14,524
Vanguard ETF/USA SMALL CP ETF 922908751   4,167,740 20,955 SH   SOLE   14,187 0 6,768
Vanguard Group Inc/The TOTAL BND MRKT 921937835   4,790,271 65,900 SH   SOLE   60,483 0 5,417
Vanguard Group Inc/The FTSE SMCAP ETF 922042718   12,263 111 SH   SOLE   111 0 0
Vanguard Group Inc/The INTER TERM TREAS 92206C706   32,908 561 SH   SOLE   561 0 0
Vanguard Group Inc/The TAX EXEMPT BD 922907746   9,220,091 183,594 SH   SOLE   178,160 0 5,434
Vanguard Group Inc/The LARGE CAP ETF 922908637   74,196 366 SH   SOLE   366 0 0
Veeva Systems Inc CL A COM 922475108   4,548 23 SH   SOLE   23 0 0
Ventas Inc COM 92276F100   35,972 761 SH   SOLE   761 0 0
VeriSign Inc COM 92343E102   7,683 34 SH   SOLE   34 0 0
Verisk Analytics Inc COM 92345Y106   45,432 201 SH   SOLE   201 0 0
Vertex Pharmaceuticals Inc COM 92532F100   189,328 538 SH   SOLE   538 0 0
Virgin Galactic Holdings Inc COM 92766K106   1,323 341 SH   SOLE   341 0 0
Vitesse Energy Inc None 92852X103   246 11 SH   SOLE   11 0 0
Vodafone Group PLC SPONSORED ADR 92857W308   30,202 3,196 SH   SOLE   2,721 0 475
Vontier Corp COM 928881101   644 20 SH   SOLE   20 0 0
Voya Financial Inc COM 929089100   377,697 5,267 SH   SOLE   5,267 0 0
WASTE MANAGEMENT COM 94106L109   174,287 1,005 SH   SOLE   1,005 0 0
WEC Energy Group Inc COM 92939U106   3,706 42 SH   SOLE   42 0 0
WELLS FARGO & CO COM 949746101   128,638 3,014 SH   SOLE   3,014 0 0
WELLTOWER INC COM COM 95040Q104   83,317 1,030 SH   SOLE   1,030 0 0
WW Grainger Inc COM 384802104   1,577 2 SH   SOLE   2 0 0
Walgreens Boots Alliance Inc COM 931427108   468,860 16,457 SH   SOLE   4,085 0 12,372
Walmart Inc COM 931142103   968,072 6,159 SH   SOLE   6,159 0 0
Walt Disney Co/The COM 254687106   664,511 7,443 SH   SOLE   7,443 0 0
Warner Bros Discovery Inc COM SER A 934423104   4,389 350 SH   SOLE   350 0 0
Waste Connections Inc COM 94106B101   45,738 320 SH   SOLE   320 0 0
Weibo Corp SPONSORED ADR 948596101   37,167 2,835 SH   SOLE   1,353 0 1,482
Westinghouse Air Brake Technol COM 929740108   17,767 162 SH   SOLE   162 0 0
Weyerhaeuser Co COM NEW 962166104   14,074 420 SH   SOLE   420 0 0
Williams Cos Inc/The COM 969457100   863,259 26,456 SH   SOLE   7,047 0 19,409
Wolfspeed Inc COM 977852102   16,677 300 SH   SOLE   300 0 0
Woodside Energy Group Ltd SPONSORED ADR 980228308   73,396 3,165 SH   SOLE   1,626 0 1,539
Workday Inc CL A 98138H101   677,218 2,998 SH   SOLE   184 0 2,814
XP INC CL A G98239109   53,348 2,274 SH   SOLE   1,087 0 1,187
Xcel Energy Inc COM 98389B100   1,243 20 SH   SOLE   20 0 0
Xylem Inc/NY COM 98419M100   27,254 242 SH   SOLE   242 0 0
YETI Holdings Inc COM 98585X104   34,956 900 SH   SOLE   900 0 0
YUM BRANDS INC COM 988498101   460,956 3,327 SH   SOLE   3,327 0 0
Yelp Inc CL A 985817105   19,042 523 SH   SOLE   523 0 0
ZIMMER HLDGS INC COM 98956P102   5,678 39 SH   SOLE   39 0 0
Zebra Technologies Corp CL A 989207105   34,612 117 SH   SOLE   117 0 0
iShares ETFs/USA CORE US AGGBD ET 464287226   1,442,706 14,729 SH   SOLE   12,602 0 2,127
iShares ETFs/USA MSCI EAFE ETF 464287465   128,688 1,775 SH   DFND   1,775 0 0
iShares ETFs/USA MSCI EAFE ETF 464287465   5,383,705 74,258 SH   SOLE   74,168 0 90
iShares ETFs/USA MSCI ACWI EX US 464288240   26,825 545 SH   SOLE   545 0 0
iShares ETFs/USA MBS ETF 464288588   23,223 249 SH   SOLE   249 0 0
iShares ETFs/USA MSCI USA MIN VOL 46429B697   371,650 5,000 SH   SOLE   5,000 0 0
iShares ETFs/USA MRNGSTR INC ETF 46432F875   76,948 3,942 SH   DFND   3,942 0 0
iShares ETFs/USA None 46435U150   2,009 85 SH   SOLE   85 0 0
iShares ETFs/USA None 46435U184   2,077 90 SH   SOLE   90 0 0
iShares ETFs/USA IBDS DEC28 ETF 46435U515   15,925 650 SH   SOLE   650 0 0
iShares ETFs/USA BROAD USD HIGH 46435U853   2,585,549 73,245 SH   SOLE   64,709 0 8,536
iShares ETFs/USA None 46436E296   12,016 517 SH   SOLE   517 0 0
iShares ETFs/USA IBONDS DEC 2031 46436E486   9,628 475 SH   SOLE   475 0 0
iShares ETFs/USA ESG SCRND S&P500 46436E569   130,629 3,863 SH   SOLE   3,863 0 0
iShares ETFs/USA None 46436E825   24,334 1,125 SH   SOLE   1,125 0 0
iShares ETFs/USA None 46436E841   28,795 1,300 SH   SOLE   1,300 0 0