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 Stock 88579Y101   369,132 3,688 SH   DFND   3,688 0 0
ABBOTT LABS COM Stock 002824100   1,670,614 15,324 SH   DFND   15,324 0 0
ABBVIE INC COM Stock 00287Y109   3,404,071 25,266 SH   DFND   25,266 0 0
ACCENTURE PLC IRELAND SHS CLASS A Stock G1151C101   1,247,898 4,044 SH   DFND   4,044 0 0
ADOBE SYSTEMS INCORPORATED COM Stock 00724F101   3,457,159 7,070 SH   DFND   7,070 0 0
ADVANCED MICRO DEVICES INC COM Stock 007903107   1,516,142 13,310 SH   DFND   13,310 0 0
AKAMAI TECHNOLOGIES INC COM Stock 00971T101   1,352,544 15,050 SH   DFND   15,050 0 0
ALPHABET INC CAP STK CL A Stock 02079K305   386,234 3,227 SH   DFND   3,227 0 0
ALPHABET INC CAP STK CL C Stock 02079K107   4,676,930 38,662 SH   DFND   38,662 0 0
AMAZON COM INC COM Stock 023135106   2,323,276 17,822 SH   DFND   17,822 0 0
AMERICAN EXPRESS CO COM Stock 025816109   561,969 3,226 SH   DFND   3,226 0 0
AMERICAN TOWER CORP NEW COM REIT 03027X100   2,371,692 12,229 SH   DFND   12,229 0 0
AMPLIFY CWP ENHANCED DIVIDEND INCOME ETF ETF 032108409   7,033,932 195,387 SH   DFND   195,387 0 0
ANALOG DEVICES INC COM Stock 032654105   219,161 1,125 SH   DFND   1,125 0 0
APOLLO GLOBAL MGMT INC COM Stock 03769M106   603,266 7,854 SH   DFND   7,854 0 0
APPLE INC COM Stock 037833100   7,074,925 36,474 SH   DFND   36,474 0 0
AVERY DENNISON CORP COM Stock 053611109   480,470 2,797 SH   DFND   2,797 0 0
BANK AMERICA CORP COM Stock 060505104   348,956 12,163 SH   DFND   12,163 0 0
BECTON DICKINSON & CO COM Stock 075887109   1,364,140 5,167 SH   DFND   5,167 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   460,350 1,350 SH   DFND   1,350 0 0
BLACKROCK SHORT MATURITY BOND ETF ETF 46431W507   254,716 5,123 SH   DFND   5,123 0 0
BLACKROCK ULTRA SHORT-TERM BOND ETF ETF 46434V878   10,718,909 213,100 SH   DFND   213,100 0 0
BOEING CO COM Stock 097023105   2,414,192 11,433 SH   DFND   11,433 0 0
BOOZ ALLEN HAMILTON HLDG CORP CL A Stock 099502106   2,832,408 25,380 SH   DFND   25,380 0 0
BRISTOL-MYERS SQUIBB CO COM Stock 110122108   2,588,052 40,470 SH   DFND   40,470 0 0
CARMAX INC COM Stock 143130102   1,005,990 12,019 SH   DFND   12,019 0 0
CHEVRON CORP NEW COM Stock 166764100   272,688 1,733 SH   DFND   1,733 0 0
CISCO SYS INC COM Stock 17275R102   3,796,216 73,371 SH   DFND   73,371 0 0
CITIGROUP INC COM NEW Stock 172967424   2,304,786 50,061 SH   DFND   50,061 0 0
CITIZENS FINL GROUP INC COM Stock 174610105   4,346,441 166,658 SH   DFND   166,658 0 0
COCA COLA CO COM Stock 191216100   388,675 6,454 SH   DFND   6,454 0 0
COLGATE PALMOLIVE CO COM Stock 194162103   878,906 11,408 SH   DFND   11,408 0 0
COMCAST CORP NEW CL A Stock 20030N101   407,938 9,818 SH   DFND   9,818 0 0
CVS HEALTH CORP COM Stock 126650100   5,051,467 73,072 SH   DFND   73,072 0 0
DANAHER CORPORATION COM Stock 235851102   294,000 1,225 SH   DFND   1,225 0 0
DEVON ENERGY CORP NEW COM Stock 25179M103   6,229,141 128,861 SH   DFND   128,861 0 0
DIAGEO PLC SPON ADR NEW ADR 25243Q205   264,443 1,524 SH   DFND   1,524 0 0
DIGITAL CREATIVE DEV CORP COM Stock 25384B108   0 10,000 SH   DFND   10,000 0 0
DISNEY WALT CO COM Stock 254687106   1,730,871 19,387 SH   DFND   19,387 0 0
ECOLAB INC COM Stock 278865100   636,240 3,408 SH   DFND   3,408 0 0
Energy Select Sector SPDR Fund ETF 81369Y506   608,207 7,493 SH   DFND   7,493 0 0
EVEREST GROUP LTD COM Stock G3223R108   4,518,364 13,217 SH   DFND   13,217 0 0
EXXON MOBIL CORP COM Stock 30231G102   774,023 7,217 SH   DFND   7,217 0 0
Fairlead Tactical Sector ETF ETF 14064D550   53,115,899 2,234,107 SH   DFND   2,234,107 0 0
FEDERAL AGRIC MTG CORP CL C Stock 313148306   2,283,741 15,888 SH   DFND   15,888 0 0
FEDEX CORP COM Stock 31428X106   3,297,814 13,303 SH   DFND   13,303 0 0
FIDELITY NATIONAL FINANCIAL IN FNF GROUP COM Stock 31620R303   1,491,768 41,438 SH   DFND   41,438 0 0
Financial Select Sector SPDR Fund ETF 81369Y605   679,492 20,157 SH   DFND   20,157 0 0
FISERV INC COM Stock 337738108   3,075,789 24,382 SH   DFND   24,382 0 0
FRESHWORKS INC CLASS A COM Stock 358054104   356,927 20,303 SH   DFND   20,303 0 0
GENERAL DYNAMICS CORP COM Stock 369550108   206,114 958 SH   DFND   958 0 0
GOLDMAN SACHS GROUP INC COM Stock 38141G104   1,648,502 5,111 SH   DFND   5,111 0 0
HASBRO INC COM Stock 418056107   4,045,534 62,460 SH   DFND   62,460 0 0
Health Care Select Sector SPDR Fund ETF 81369Y209   371,644 2,800 SH   DFND   2,800 0 0
HUNTINGTON BANCSHARES INC COM Stock 446150104   1,970,638 182,805 SH   DFND   182,805 0 0
INTEL CORP COM Stock 458140100   366,276 10,953 SH   DFND   10,953 0 0
INTERNATIONAL BUSINESS MACHS COM Stock 459200101   1,826,468 13,650 SH   DFND   13,650 0 0
INVESCO S&P 500 EQUAL WEIGHT ETF ETF 46137V357   996,902 6,662 SH   DFND   6,662 0 0
INVESCO S&P 500 EQUAL WEIGHT TECHNOLOGY ETF ETF 46137V282   426,431 1,450 SH   DFND   1,450 0 0
ISHARES 10-20 YEAR TREASURY BOND ETF ETF 464288653   4,374,972 39,496 SH   DFND   39,496 0 0
ISHARES BROAD USD HIGH YIELD CORPORATE BOND ETF ETF 46435U853   284,271 8,053 SH   DFND   8,053 0 0
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF ETF 46432F834   883,192 14,104 SH   DFND   14,104 0 0
ISHARES CORE S&P 500 ETF ETF 464287200   2,444,941 5,485 SH   DFND   5,485 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507   9,892,679 37,833 SH   DFND   37,833 0 0
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   12,413,312 124,569 SH   DFND   124,569 0 0
ISHARES FLOATING RATE BOND ETF ETF 46429B655   562,272 11,064 SH   DFND   11,064 0 0
ISHARES GLOBAL CONSUMER STAPLES ETF ETF 464288737   573,840 9,378 SH   DFND   9,378 0 0
ISHARES IBONDS DEC 2023 TERM CORPORATE ETF ETF 46434VAX8   2,387,528 94,406 SH   DFND   94,406 0 0
ISHARES IBONDS DEC 2023 TERM MUNI BOND ETF ETF 46435G318   299,851 11,763 SH   DFND   11,763 0 0
ISHARES IBONDS DEC 2023 TERM TREASURY ETF ETF 46436E882   1,085,155 43,739 SH   DFND   43,739 0 0
ISHARES IBONDS DEC 2024 TERM CORPORATE ETF ETF 46434VBG4   2,399,412 97,458 SH   DFND   97,458 0 0
ISHARES IBONDS DEC 2024 TERM TREASURY ETF ETF 46436E874   666,852 28,019 SH   DFND   28,019 0 0
ISHARES IBONDS DEC 2025 TERM CORPORATE ETF ETF 46434VBD1   2,183,010 89,541 SH   DFND   89,541 0 0
ISHARES IBONDS DEC 2025 TERM TREASURY ETF ETF 46436E866   419,046 18,117 SH   DFND   18,117 0 0
ISHARES IBONDS DEC 2026 TERM CORPORATE ETF ETF 46435GAA0   1,788,109 76,187 SH   DFND   76,187 0 0
ISHARES IBONDS DEC 2026 TERM TREASURY ETF ETF 46436E858   405,163 17,888 SH   DFND   17,888 0 0
ISHARES MBS ETF ETF 464288588   1,427,328 15,304 SH   DFND   15,304 0 0
ISHARES MSCI CHINA ETF ETF 46429B671   467,354 10,446 SH   DFND   10,446 0 0
ISHARES MSCI EAFE ETF ETF 464287465   799,733 11,031 SH   DFND   11,031 0 0
ISHARES MSCI EAFE GROWTH ETF ETF 464288885   4,939,998 51,777 SH   DFND   51,777 0 0
ISHARES MSCI EAFE VALUE ETF ETF 464288877   9,941,112 203,129 SH   DFND   203,129 0 0
ISHARES MSCI EMERGING MARKETS EX CHINA ETF ETF 46434G764   249,556 4,801 SH   DFND   4,801 0 0
ISHARES MSCI EUROZONE ETF ETF 464286608   284,771 6,215 SH   DFND   6,215 0 0
ISHARES MSCI INTL QUALITY FACTOR ETF ETF 46434V456   484,445 13,608 SH   DFND   13,608 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   599,617 2,179 SH   DFND   2,179 0 0
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598   1,437,358 9,107 SH   DFND   9,107 0 0
ISHARES RUSSELL MID-CAP GROWTH ETF ETF 464287481   907,162 9,388 SH   DFND   9,388 0 0
iShares U.S. Technology ETF ETF 464287721   7,065,663 64,900 SH   DFND   64,900 0 0
Janus Henderson AAA CLO ETF ETF 47103U845   1,406,617 28,217 SH   DFND   28,217 0 0
JANUS HENDERSON MORTGAGE-BACKED SECURITIES ETF ETF 47103U852   393,765 8,605 SH   DFND   8,605 0 0
JOHNSON & JOHNSON COM Stock 478160104   6,929,205 41,863 SH   DFND   41,863 0 0
JOHNSON CTLS INTL PLC SHS Stock G51502105   5,272,469 77,377 SH   DFND   77,377 0 0
JPMORGAN BETABUILDERS JAPAN ETF ETF 46641Q217   773,152 15,001 SH   DFND   15,001 0 0
JPMORGAN CHASE & CO COM Stock 46625H100   4,926,344 33,872 SH   DFND   33,872 0 0
JPMORGAN EQUITY PREMIUM INCOME ETF ETF 46641Q332   11,277,387 203,820 SH   DFND   203,820 0 0
JPMORGAN INCOME ETF ETF 46641Q159   1,690,525 37,401 SH   DFND   37,401 0 0
JPMORGAN INTERNATIONAL BOND OPPORTUNITIES ETF ETF 46641Q852   281,231 6,035 SH   DFND   6,035 0 0
JPMorgan Nasdaq Equity Premium Income ETF ETF 46654Q203   6,173,705 127,635 SH   DFND   127,635 0 0
KIMBERLY-CLARK CORP COM Stock 494368103   244,731 1,773 SH   DFND   1,773 0 0
KINDER MORGAN INC DEL COM Stock 49456B101   3,339,974 193,959 SH   DFND   193,959 0 0
LAM RESEARCH CORP COM Stock 512807108   4,174,733 6,494 SH   DFND   6,494 0 0
LINCOLN ELEC HLDGS INC COM Stock 533900106   4,694,024 23,632 SH   DFND   23,632 0 0
LINDE PLC SHS Stock G54950103   222,932 585 SH   DFND   585 0 0
LOWES COS INC COM Stock 548661107   7,152,610 31,691 SH   DFND   31,691 0 0
LYONDELLBASELL INDUSTRIES N V SHS - A - Stock N53745100   2,157,454 23,494 SH   DFND   23,494 0 0
MARRIOTT INTL INC NEW CL A Stock 571903202   2,497,266 13,595 SH   DFND   13,595 0 0
MARSH & MCLENNAN COS INC COM Stock 571748102   1,727,517 9,185 SH   DFND   9,185 0 0
MCCORMICK & CO INC COM NON VTG Stock 579780206   466,681 5,350 SH   DFND   5,350 0 0
MCDONALDS CORP COM Stock 580135101   797,377 2,672 SH   DFND   2,672 0 0
MEDTRONIC PLC SHS Stock G5960L103   2,000,565 22,708 SH   DFND   22,708 0 0
MERCK & CO INC COM Stock 58933Y105   7,208,246 62,469 SH   DFND   62,469 0 0
META PLATFORMS INC CL A Stock 30303M102   1,823,184 6,353 SH   DFND   6,353 0 0
MICROSOFT CORP COM Stock 594918104   9,162,399 26,906 SH   DFND   26,906 0 0
MONDELEZ INTL INC CL A Stock 609207105   251,716 3,451 SH   DFND   3,451 0 0
MSC INDL DIRECT INC CL A Stock 553530106   2,637,446 27,681 SH   DFND   27,681 0 0
NESTLE S A SPONSORED ADR ADR 641069406   602,202 5,005 SH   DFND   5,005 0 0
NOVARTIS AG SPONSORED ADR ADR 66987V109   578,215 5,730 SH   DFND   5,730 0 0
NU HLDGS LTD ORD SHS CL A Stock G6683N103   383,146 48,561 SH   DFND   48,561 0 0
NVIDIA CORPORATION COM Stock 67066G104   734,363 1,736 SH   DFND   1,736 0 0
NXP SEMICONDUCTORS N V COM Stock N6596X109   2,531,482 12,368 SH   DFND   12,368 0 0
PARKER-HANNIFIN CORP COM Stock 701094104   263,277 675 SH   DFND   675 0 0
PAYPAL HLDGS INC COM Stock 70450Y103   638,673 9,571 SH   DFND   9,571 0 0
PEPSICO INC COM Stock 713448108   913,845 4,934 SH   DFND   4,934 0 0
PFIZER INC COM Stock 717081103   743,357 20,266 SH   DFND   20,266 0 0
PHILLIPS 66 COM Stock 718546104   3,958,403 41,501 SH   DFND   41,501 0 0
PIMCO ACTIVE BOND ETF ETF 72201R775   249,939 2,728 SH   DFND   2,728 0 0
PNC FINL SVCS GROUP INC COM Stock 693475105   772,577 6,134 SH   DFND   6,134 0 0
PROCTER AND GAMBLE CO COM Stock 742718109   424,411 2,797 SH   DFND   2,797 0 0
PRUDENTIAL FINL INC COM Stock 744320102   2,439,903 27,657 SH   DFND   27,657 0 0
QUALCOMM INC COM Stock 747525103   4,632,405 38,915 SH   DFND   38,915 0 0
RTX CORPORATION COM Stock 75513E101   2,856,763 29,163 SH   DFND   29,163 0 0
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797   760,186 10,468 SH   DFND   10,468 0 0
SHELL PLC SPON ADS ADR 780259305   3,364,857 55,728 SH   DFND   55,728 0 0
SILVERCREST ASSET MGMT GROUP I CL A Stock 828359109   2,704,853 133,573 SH   DFND   133,573 0 0
SKYWORKS SOLUTIONS INC COM Stock 83088M102   260,454 2,353 SH   DFND   2,353 0 0
SPDR PORTFOLIO LONG TERM TREASURY ETF ETF 78464A664   8,893,815 297,452 SH   DFND   297,452 0 0
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805   1,276,564 23,449 SH   DFND   23,449 0 0
SPDR PORTFOLIO S&P 500 GROWTH ETF ETF 78464A409   21,912,549 359,163 SH   DFND   359,163 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF ETF 78464A508   960,725 22,239 SH   DFND   22,239 0 0
SPDR PORTFOLIO SHORT TERM TREASURY ETF ETF 78468R101   1,007,448 34,993 SH   DFND   34,993 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103   5,215,632 11,766 SH   DFND   11,766 0 0
SPDR S&P DIVIDEND ETF ETF 78464A763   555,165 4,529 SH   DFND   4,529 0 0
STRYKER CORPORATION COM Stock 863667101   1,938,542 6,354 SH   DFND   6,354 0 0
SYSCO CORP COM Stock 871829107   5,233,920 70,538 SH   DFND   70,538 0 0
TARGET CORP COM Stock 87612E106   1,943,415 14,734 SH   DFND   14,734 0 0
TEXAS INSTRS INC COM Stock 882508104   4,277,275 23,760 SH   DFND   23,760 0 0
THE CIGNA GROUP COM Stock 125523100   2,936,872 10,466 SH   DFND   10,466 0 0
THERMO FISHER SCIENTIFIC INC COM Stock 883556102   1,938,301 3,715 SH   DFND   3,715 0 0
TJX COS INC NEW COM Stock 872540109   2,133,571 25,163 SH   DFND   25,163 0 0
TOAST INC CL A Stock 888787108   387,933 17,188 SH   DFND   17,188 0 0
TOYOTA MOTOR CORP ADS ADR 892331307   5,711,126 35,528 SH   DFND   35,528 0 0
TRANE TECHNOLOGIES PLC SHS Stock G8994E103   326,290 1,706 SH   DFND   1,706 0 0
ULTA BEAUTY INC COM Stock 90384S303   802,835 1,706 SH   DFND   1,706 0 0
UNILEVER PLC (US ADR) ADR 904767704   3,408,396 65,383 SH   DFND   65,383 0 0
UNION PAC CORP COM Stock 907818108   285,036 1,393 SH   DFND   1,393 0 0
UNITED PARCEL SERVICE INC CL B Stock 911312106   3,213,236 17,926 SH   DFND   17,926 0 0
US BANCORP DEL COM NEW Stock 902973304   214,264 6,485 SH   DFND   6,485 0 0
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF 922042775   1,370,807 25,194 SH   DFND   25,194 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   497,451 10,772 SH   DFND   10,772 0 0
VANGUARD FTSE EUROPE ETF ETF 922042874   381,183 6,178 SH   DFND   6,178 0 0
VANGUARD GROWTH ETF ETF 922908736   14,176,863 50,102 SH   DFND   50,102 0 0
Vanguard Health Care Index ETF ETF 92204A504   307,984 1,258 SH   DFND   1,258 0 0
VANGUARD INFORMATION TECHNOLOGY ETF ETF 92204A702   597,800 1,352 SH   DFND   1,352 0 0
VANGUARD INTERMEDIATE-TERM BOND ETF ETF 921937819   388,713 5,167 SH   DFND   5,167 0 0
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF ETF 921946794   470,524 7,445 SH   DFND   7,445 0 0
VANGUARD LARGE-CAP ETF ETF 922908637   1,303,692 6,431 SH   DFND   6,431 0 0
VANGUARD MEGA CAP GROWTH ETF ETF 921910816   264,970 1,126 SH   DFND   1,126 0 0
VANGUARD MEGA CAP VALUE ETF ETF 921910840   804,763 7,756 SH   DFND   7,756 0 0
VANGUARD MID-CAP ETF ETF 922908629   612,265 2,781 SH   DFND   2,781 0 0
VANGUARD MID-CAP GROWTH ETF ETF 922908538   1,607,887 7,814 SH   DFND   7,814 0 0
VANGUARD MID-CAP VALUE ETF ETF 922908512   8,445,383 61,030 SH   DFND   61,030 0 0
VANGUARD RUSSELL 1000 GROWTH ETF ETF 92206C680   2,453,108 34,668 SH   DFND   34,668 0 0
VANGUARD RUSSELL 1000 VALUE ETF ETF 92206C714   14,849,605 214,559 SH   DFND   214,559 0 0
VANGUARD S&P 500 ETF ETF 922908363   4,348,325 10,677 SH   DFND   10,677 0 0
VANGUARD S&P MID-CAP 400 GROWTH ETF ETF 921932869   718,247 7,682 SH   DFND   7,682 0 0
VANGUARD SHORT-TERM BOND ETF ETF 921937827   1,104,304 14,613 SH   DFND   14,613 0 0
VANGUARD SHORT-TERM CORPORATE BOND ETF ETF 92206C409   946,658 12,512 SH   DFND   12,512 0 0
VANGUARD SMALL-CAP ETF ETF 922908751   1,050,935 5,284 SH   DFND   5,284 0 0
VANGUARD SMALL-CAP GROWTH ETF ETF 922908595   589,513 2,566 SH   DFND   2,566 0 0
VANGUARD TOTAL BOND MARKET ETF ETF 921937835   266,263 3,663 SH   DFND   3,663 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769   458,843 2,083 SH   DFND   2,083 0 0
VANGUARD VALUE ETF ETF 922908744   35,907,934 252,695 SH   DFND   252,695 0 0
VISA INC COM CL A Stock 92826C839   462,205 1,946 SH   DFND   1,946 0 0
WASTE MGMT INC DEL COM Stock 94106L109   297,589 1,716 SH   DFND   1,716 0 0
WESTERN ASSET TOTAL RETURN ETF ETF 52468L810   469,660 22,927 SH   DFND   22,927 0 0
WILLIS TOWERS WATSON PLC LTD SHS Stock G96629103   1,881,725 7,990 SH   DFND   7,990 0 0
WisdomTree Floating Rate Treasury Fund ETF 97717Y527   3,190,942 63,413 SH   DFND   63,413 0 0
YUM BRANDS INC COM Stock 988498101   507,093 3,660 SH   DFND   3,660 0 0
YUM CHINA HLDGS INC COM Stock 98850P109   218,090 3,860 SH   DFND   3,860 0 0
ZIMMER BIOMET HOLDINGS INC COM Stock 98956P102   921,939 6,332 SH   DFND   6,332 0 0
ZOETIS INC CL A Stock 98978V103   1,027,749 5,968 SH   DFND   5,968 0 0