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
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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 Laboratories Com 002824100   279,636 2,565 SH   SOLE 0 2,565 0 0
Abbvie Inc Com 00287Y109   7,777,559 57,727 SH   SOLE 0 57,727 0 0
Abbvie Inc Com 00287Y109   8,084 60 SH   DFND 0 60 0 0
Alphabet Inc Class A Com 02079K305   5,832,263 48,724 SH   SOLE 0 48,724 0 0
Alphabet Inc Class A Com 02079K305   4,788 40 SH   DFND 0 40 0 0
Amazon Inc Com 023135106   5,948,457 45,631 SH   SOLE 0 45,631 0 0
Amazon Inc Com 023135106   13,036 100 SH   DFND 0 100 0 0
American Tower Corp REIT Com 03027X100   3,120,689 16,091 SH   SOLE 0 16,091 0 0
American Tower Corp REIT Com 03027X100   6,982 36 SH   DFND 0 36 0 0
Amgen Inc Com 031162100   2,463,534 11,096 SH   SOLE 0 11,096 0 0
Apple Inc Com 037833100   16,194,361 83,489 SH   SOLE 0 83,489 0 0
Apple Inc Com 037833100   7,759 40 SH   DFND 0 40 0 0
Bank of America Corp Com 060505104   280,301 9,770 SH   SOLE 0 9,770 0 0
Berkshire Hathaway Inc Cl A Com 084670108   3,624,670 7 SH   SOLE 0 7 0 0
Berkshire Hathaway Inc Cl B Com 084670702   6,494,345 19,045 SH   SOLE 0 18,995 0 50
BlackRock Inc Com 09247X101   2,403,785 3,478 SH   SOLE 0 3,478 0 0
BlackRock Enhanced Equity Dividend Trust Com 09251A104   155,683 18,667 SH   SOLE 0 18,667 0 0
Boeing Co Com 097023105   344,191 1,630 SH   SOLE 0 1,630 0 0
Bristol-Myers Squibb Corp Com 110122108   3,765,376 58,880 SH   SOLE 0 58,880 0 0
CVS Health Corporation Com 126650100   3,852,200 55,724 SH   SOLE 0 55,724 0 0
CVS Health Corporation Com 126650100   5,945 86 SH   DFND 0 86 0 0
Cardinal Health Inc Com 14149Y108   3,128,092 33,077 SH   SOLE 0 33,077 0 0
Cardinal Health Inc Com 14149Y108   5,769 61 SH   DFND 0 61 0 0
Caterpillar Inc Com 149123101   3,512,610 14,276 SH   SOLE 0 14,276 0 0
Chemed Corp Com 16359R103   541,670 1,000 SH   SOLE 0 1,000 0 0
Chevron Corp Com 166764100   8,471,724 53,840 SH   SOLE 0 53,840 0 0
Chevron Corp Com 166764100   4,721 30 SH   DFND 0 30 0 0
Cisco Systems Inc Com 17275R102   8,513,610 164,546 SH   SOLE 0 164,546 0 0
Cognizant Technology Solutions Cl A Com 192446102   2,609,829 39,979 SH   SOLE 0 39,979 0 0
Cognizant Technology Solutions Cl A Com 192446102   4,570 70 SH   DFND 0 70 0 0
Comcast Corp New Cl A Com 20030N101   3,321,258 79,934 SH   SOLE 0 79,934 0 0
ConocoPhillips Com 20825C104   1,872,129 18,069 SH   SOLE 0 18,069 0 0
Consolidated Edison Inc Com 209115104   241,910 2,676 SH   SOLE 0 2,676 0 0
Digital Realty Trust Inc Com 253868103   2,105,229 18,488 SH   SOLE 0 18,488 0 0
Digital Realty Trust Inc Com 253868103   11,387 100 SH   DFND 0 100 0 0
Walt Disney Company Com 254687106   2,115,311 23,693 SH   SOLE 0 23,693 0 0
Walt Disney Company Com 254687106   2,678 30 SH   DFND 0 30 0 0
Dollar Tree Inc Com 256746108   3,671,448 25,585 SH   SOLE 0 25,585 0 0
Dow Inc Com 260557103   2,201,129 41,328 SH   SOLE 0 41,328 0 0
Dow Inc Com 260557103   2,130 40 SH   DFND 0 40 0 0
Duke Energy Corp Com 26441C204   2,222,591 24,767 SH   SOLE 0 24,767 0 0
Duke Energy Corp Com 26441C204   11,666 130 SH   DFND 0 130 0 0
Du Pont De Nemours Inc Com 26614N102   2,283,080 31,958 SH   SOLE 0 31,958 0 0
EOG Resources Inc Com 26875P101   3,140,119 27,439 SH   SOLE 0 27,439 0 0
EOG Resources Inc Com 26875P101   4,578 40 SH   DFND 0 40 0 0
Ecolab Inc Com 278865100   326,521 1,749 SH   SOLE 0 1,749 0 0
Ecolab Inc Com 278865100   3,734 20 SH   DFND 0 20 0 0
Emerson Electric Co Com 291011104   7,440,724 82,318 SH   SOLE 0 82,318 0 0
Emerson Electric Co Com 291011104   9,039 100 SH   DFND 0 100 0 0
Exelon Corp Com 30161N101   2,171,727 53,307 SH   SOLE 0 53,307 0 0
Exxon Mobil Corp Com 30231G102   5,899,823 55,010 SH   SOLE 0 55,010 0 0
Meta Platforms Inc Com 30303M102   5,130,341 17,877 SH   SOLE 0 17,877 0 0
Meta Platforms Inc Com 30303M102   2,870 10 SH   DFND 0 10 0 0
Freeport-McMoran, Inc Com 35671D857   1,929,120 48,228 SH   SOLE 0 48,228 0 0
Gilead Sciences Inc Com 375558103   3,031,163 39,330 SH   SOLE 0 39,330 0 0
The Hershey Company Com 427866108   558,579 2,237 SH   SOLE 0 2,237 0 0
Home Depot Inc Com 437076102   642,404 2,068 SH   SOLE 0 2,068 0 0
Honeywell Intl Inc Com 438516106   1,551,063 7,475 SH   SOLE 0 7,475 0 0
ING Groep NV ADR Com 456837103   762,281 56,591 SH   SOLE 0 56,591 0 0
Intercontinental Exchange Inc Com 45866F104   3,574,233 31,608 SH   SOLE 0 31,608 0 0
Intercontinental Exchange Inc Com 45866F104   3,392 30 SH   DFND 0 30 0 0
IBM Corp Com 459200101   3,524,689 26,341 SH   SOLE 0 26,341 0 0
Invesco QQQ Trust Com 46090E103   1,112,324 3,011 SH   SOLE 0 3,011 0 0
Invesco Preferred ETF Com 46138E511   16,109,414 1,416,835 SH   SOLE 0 1,413,581 3,254 0
Invesco Preferred ETF Com 46138E511   66,151 5,818 SH   DFND 0 5,818 0 0
Invesco BulletShares 2027 Corporate Bond ETF Com 46138J783   247,179 12,992 SH   SOLE 0 12,992 0 0
Invesco BulletShares 2026 Corporate Bond ETF Com 46138J791   271,596 14,336 SH   SOLE 0 14,336 0 0
Invesco BulletShares 2025 Corporate Bond ETF Com 46138J825   275,560 13,689 SH   SOLE 0 13,689 0 0
Invesco BulletShares 2024 Corporate Bond ETF Com 46138J841   261,383 12,707 SH   SOLE 0 12,707 0 0
iShares Core S&P 500 ETF Com 464287200   1,231,497 2,763 SH   SOLE 0 2,763 0 0
iShares Core U.S. Agg Bond ETF Com 464287226   3,061,329 31,254 SH   SOLE 0 31,254 0 0
iShares Core S&P Mid-Cap 400 Index ETF Com 464287507   17,204,338 65,796 SH   SOLE 0 65,796 0 0
iShares Core S&P Small-Cap 600 ETF Com 464287804   9,498,538 95,319 SH   SOLE 0 95,319 0 0
Ishares Dow Jones US Health Care Prov Index Com 464288828   511,600 2,000 SH   SOLE 0 2,000 0 0
iShares Tr MSCI USA Minimum Volatility ETF Com 46429B697   970,304 13,054 SH   SOLE 0 13,054 0 0
iShares Core MSCI EAFE ETF Com 46432F842   17,989,695 266,514 SH   SOLE 0 266,514 0 0
iShares Core MSCI Emerging Mkts ETF Com 46434G103   7,777,765 157,796 SH   SOLE 0 157,796 0 0
iShares iBonds 2028 Term Corp ETF Com 46435U515   242,330 9,891 SH   SOLE 0 9,891 0 0
JP Morgan Chase & Co Com 46625H100   11,126,305 76,501 SH   SOLE 0 76,501 0 0
JP Morgan Chase & Co Com 46625H100   5,818 40 SH   DFND 0 40 0 0
Johnson & Johnson Com 478160104   6,309,953 38,122 SH   SOLE 0 38,122 0 0
Estee Lauder Companies Inc Com 518439104   998,592 5,085 SH   SOLE 0 5,085 0 0
Eli Lilly & Co Com 532457108   529,947 1,130 SH   SOLE 0 1,130 0 0
Lowes Companies Inc Com 548661107   3,394,077 15,038 SH   SOLE 0 15,038 0 0
Masco Corp Com 574599106   4,109,613 71,621 SH   SOLE 0 71,621 0 0
McDonalds Corp Com 580135101   3,873,660 12,981 SH   SOLE 0 12,981 0 0
McDonalds Corp Com 580135101   8,952 30 SH   DFND 0 30 0 0
Merck & Co Inc Com 58933Y105   3,755,714 32,548 SH   SOLE 0 32,548 0 0
MetLife Inc Com 59156R108   3,118,930 55,173 SH   SOLE 0 55,173 0 0
Microsoft Corp Com 594918104   15,664,159 45,998 SH   SOLE 0 45,998 0 0
Mondelez International Inc Com 609207105   2,536,999 34,782 SH   SOLE 0 34,782 0 0
Morgan Stanley Com 617446448   5,470,639 64,059 SH   SOLE 0 64,059 0 0
Nike Inc Class B Com 654106103   1,308,657 11,857 SH   SOLE 0 11,857 0 0
NVIDIA Corp Com 67066G104   1,673,044 3,955 SH   SOLE 0 3,955 0 0
Omnicom Group Com 681919106   2,262,857 23,782 SH   SOLE 0 23,782 0 0
Oracle Corp Com 68389X105   4,545,427 38,168 SH   SOLE 0 38,168 0 0
Otter Tail Corporation Com 689648103   536,612 6,796 SH   SOLE 0 6,796 0 0
Pepsico Inc Com 713448108   8,235,437 44,463 SH   SOLE 0 44,463 0 0
Pfizer Inc Com 717081103   6,705,728 182,817 SH   SOLE 0 182,817 0 0
Pfizer Inc Com 717081103   5,905 161 SH   DFND 0 161 0 0
Principal Financial Group Com 74251V102   3,132,040 41,298 SH   SOLE 0 41,298 0 0
Procter & Gamble Co Com 742718109   7,702,474 50,761 SH   SOLE 0 50,761 0 0
Procter & Gamble Co Com 742718109   15,174 100 SH   DFND 0 100 0 0
Prudential Financial Com 744320102   5,598,088 63,456 SH   SOLE 0 63,456 0 0
Prudential Financial Com 744320102   2,647 30 SH   DFND 0 30 0 0
QUALCOMM Inc Com 747525103   2,340,207 19,659 SH   SOLE 0 19,659 0 0
QUALCOMM Inc Com 747525103   10,714 90 SH   DFND 0 90 0 0
SPDR S&P 500 ETF Com 78462F103   5,798,102 13,080 SH   SOLE 0 13,080 0 0
SPDR Gold Shares Com 78463V107   268,653 1,507 SH   SOLE 0 1,507 0 0
SPDR MSCI ACWI ex-US ETF Com 78463X848   1,263,882 48,369 SH   SOLE 0 48,369 0 0
SPDR S&P 500 Growth ETF Com 78464A409   2,291,963 37,567 SH   SOLE 0 37,567 0 0
SPDR S&P 500 Value ETF Com 78464A508   319,680 7,400 SH   SOLE 0 7,400 0 0
SPDR Dow Jones Industrial Average Com 78467X109   5,113,050 14,870 SH   SOLE 0 14,870 0 0
SPDR Portfolio High Yield Bond ETF Com 78468R606   2,108,201 92,303 SH   SOLE 0 92,303 0 0
SPDR SSGA US Low Volatility Index ETF Com 78468R804   694,334 4,938 SH   SOLE 0 4,938 0 0
Salesforce Inc Com 79466L302   4,975,173 23,550 SH   SOLE 0 23,550 0 0
Salesforce Inc Com 79466L302   10,563 50 SH   DFND 0 50 0 0
Health Care Select Sector SPDR ETF Com 81369Y209   365,008 2,750 SH   SOLE 0 2,750 0 0
Energy Select Sector SPDR ETF Com 81369Y506   262,585 3,235 SH   SOLE 0 3,235 0 0
Skyworks Solutions Com 83088M102   2,226,419 20,114 SH   SOLE 0 20,114 0 0
Sprott Physical Silver Trust Com 85207K107   662,150 85,000 SH   SOLE 0 85,000 0 0
Starbucks Corporation Com 855244109   3,131,386 31,611 SH   SOLE 0 31,611 0 0
Starbucks Corporation Com 855244109   1,981 20 SH   DFND 0 20 0 0
Sysco Corp Com 871829107   3,028,102 40,810 SH   SOLE 0 40,810 0 0
Target Corp Com 87612E106   1,380,861 10,469 SH   SOLE 0 10,469 0 0
Truist Financial Corp Com 89832Q109   1,853,869 61,083 SH   SOLE 0 61,083 0 0
United Parcel Service Com 911312106   14,406,502 80,371 SH   SOLE 0 69,471 0 10,900
United Parcel Service Com 911312106   17,925 100 SH   DFND 0 100 0 0
Vanguard Dividend Appreciation ETF Com 921908844   213,595 1,315 SH   SOLE 0 1,315 0 0
Vanguard Total Stock Market Com 922908769   442,322 2,008 SH   SOLE 0 2,008 0 0
Verizon Communications Inc Com 92343V104   1,412,067 37,969 SH   SOLE 0 37,969 0 0
Visa Inc Com 92826C839   4,376,044 18,427 SH   SOLE 0 18,427 0 0
Visa Inc Com 92826C839   5,937 25 SH   DFND 0 25 0 0
Wal-Mart Stores Inc Com 931142103   491,188 3,125 SH   SOLE 0 3,125 0 0
Wells Fargo & Co Com 949746101   502,429 11,772 SH   SOLE 0 11,772 0 0
West Bancorporation Inc Com 95123P106   224,418 12,190 SH   SOLE 0 12,190 0 0
Yum Brands Inc Com 988498101   2,665,425 19,238 SH   SOLE 0 19,238 0 0
Eaton Corp PLC Com G29183103   4,728,867 23,515 SH   SOLE 0 23,515 0 0
Eaton Corp PLC Com G29183103   19,105 95 SH   DFND 0 95 0 0
Linde Plc Com G54950103   2,221,696 5,830 SH   SOLE 0 5,830 0 0