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
AMERICAN ELEC PWR CO INC COM 025537101 BBG000BB9KF2 257,231 3,055 SH   DFND 2,3 3,055 0 0
ALBEMARLE CORP COM 012653101 BBG000BJ26K7 201,227 902 SH   DFND 2,3 902 0 0
ALASKA AIR GROUP INC COM 011659109 BBG000BBL0Y1 209,051 3,931 SH   DFND 2,3 3,931 0 0
AMETEK INC COM 031100100 BBG000B9XG87 200,407 1,238 SH   DFND 2,3 1,238 0 0
ASHLAND INC COM 044186104 BBG00D0Y81M1 236,221 2,718 SH   DFND 2,3 2,718 0 0
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 BBG000R45489 731,744 9,767 SH   DFND 2,3 9,767 0 0
BP PLC SPONSORED ADR 055622104 BBG000BT4FC2 269,827 7,646 SH   DFND 2,3 7,646 0 0
CRANE NXT CO COM 224441105 BBG017BXPZ85 385,993 6,839 SH   DFND 2,3 6,839 0 0
DELTA AIR LINES INC DEL COM NEW 247361702 BBG000R7Z112 254,719 5,358 SH   DFND 2,3 5,358 0 0
HF SINCLAIR CORP COM 403949100 BBG0135B2214 223,050 5,000 SH   DFND 2,3 5,000 0 0
DENALI THERAPEUTICS INC COM 24823R105 BBG008P7F869 208,075 7,051 SH   DFND 2,3 7,051 0 0
EQUITRANS MIDSTREAM CORP COM 294600101 BBG00K53L394 100,332 10,495 SH   DFND 2,3 10,495 0 0
FOSTER L B CO COM 350060109 BBG000D5LK23 236,263 16,545 SH   DFND 2,3 16,545 0 0
GRACO INC COM 384109104 BBG000BK9W84 200,246 2,319 SH   DFND 2,3 2,319 0 0
GLOBAL MED REIT INC COM NEW 37954A204 BBG0027F2B89 94,587 10,360 SH   DFND 2,3 10,360 0 0
GRAB HOLDINGS LIMITED CLASS A ORD G4124C109 BBG011768M53 40,018 11,667 SH   DFND 2,3 11,667 0 0
HASBRO INC COM 418056107 BBG000BKVJK4 219,246 3,385 SH   DFND 2,3 3,385 0 0
HALEON PLC SPON ADS 405552100 BBG018GZNCH6 352,413 42,054 SH   DFND 2,3 42,054 0 0
HARMONY BIOSCIENCES HLDGS IN COM 413197104 BBG00WBPG4C2 210,260 5,975 SH   DFND 2,3 5,975 0 0
HSBC HLDGS PLC SPON ADR NEW 404280406 BBG000C1K7N0 296,595 7,486 SH   DFND 2,3 7,486 0 0
ISHARES TR CORE S&P MCP ETF 464287507 BBG000BWC7P0 1,567,050 5,993 SH   DFND 2,3 5,993 0 0
ING GROEP N.V. SPONSORED ADR 456837103 BBG000BM0LB9 157,316 11,679 SH   DFND 2,3 11,679 0 0
INGREDION INC COM 457187102 BBG000BXPZB7 202,894 1,915 SH   DFND 2,3 1,915 0 0
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 BBG0015VYRL3 890,863 10,060 SH   DFND 2,3 10,060 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG000BVZ4F5 1,655,367 3,714 SH   DFND 2,3 3,714 0 0
ISHARES TR U.S. TECH ETF 464287721 BBG000CF9GL4 213,712 1,963 SH   DFND 2,3 1,963 0 0
JABIL INC COM 466313103 BBG000BJNGN9 1,410,213 13,066 SH   DFND 2,3 13,066 0 0
KEYCORP COM 493267108 BBG000BMQPL1 94,026 10,176 SH   DFND 2,3 10,176 0 0
CARMAX INC COM 143130102 BBG000BLMZK6 224,818 2,686 SH   DFND 2,3 2,686 0 0
LITTELFUSE INC COM 537008104 BBG000BGFGT8 206,539 709 SH   DFND 2,3 709 0 0
LANTHEUS HLDGS INC COM 516544103 BBG006Q52RD0 404,075 4,815 SH   DFND 2,3 4,815 0 0
LUMEN TECHNOLOGIES INC COM 550241103 BBG000BGLRN3 28,969 12,818 SH   DFND 2,3 12,818 0 0
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 BBG000C3VPQ1 51,185 23,266 SH   DFND 2,3 23,266 0 0
MANHATTAN ASSOCIATES INC COM 562750109 BBG000BFV758 280,632 1,404 SH   DFND 2,3 1,404 0 0
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109 BBG000Q85HQ2 78,653 25,620 SH   DFND 2,3 25,620 0 0
MARVELL TECHNOLOGY INC COM 573874104 BBG00ZXBJ153 253,706 4,244 SH   DFND 2,3 4,244 0 0
NOVARTIS AG SPONSORED ADR 66987V109 BBG000LYF3S8 451,572 4,475 SH   DFND 2,3 4,475 0 0
NEW YORK CMNTY BANCORP INC COM 649445103 BBG000BVXPZ8 194,969 17,346 SH   DFND 2,3 17,346 0 0
OOMA INC COM 683416101 BBG001QB7V26 382,274 25,536 SH   DFND 2,3 25,536 0 0
OCCIDENTAL PETE CORP COM 674599105 BBG000BQQ2S6 284,122 4,832 SH   DFND 2,3 4,832 0 0
POOL CORP COM 73278L105 BBG000BCVG28 201,931 539 SH   DFND 2,3 539 0 0
PPG INDS INC COM 693506107 BBG000BRJ809 202,726 1,367 SH   DFND 2,3 1,367 0 0
QUANTUM SI INC COM CL A 74765K105 BBG00X8RS963 21,108 11,792 SH   DFND 2,3 11,792 0 0
BANCO SANTANDER S.A. ADR 05964H105 BBG000BTJS47 146,252 39,421 SH   DFND 2,3 39,421 0 0
TANGER INC COM 875465106 BBG000D2JB50 455,812 20,653 SH   DFND 2,3 20,653 0 0
ISHARES SILVER TR ISHARES 46428Q109 BBG000NDCRW7 255,694 12,240 SH   DFND 2,3 12,240 0 0
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209 BBG000PMKCQ6 138,735 16,132 SH   DFND 2,3 16,132 0 0
SANOFI SPONSORED ADR 80105N105 BBG000BBD5N1 221,313 4,106 SH   DFND 2,3 4,106 0 0
SONY GROUP CORP SPONSORED ADR 835699307 BBG000BT7ZK6 238,336 2,647 SH   DFND 2,3 2,647 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 BBG000BJ2TL6 1,419,210 13,641 SH   DFND 2,3 13,641 0 0
TAKEDA PHARMACEUTICAL CO LTD SPONSORED ADS 874060205 BBG000LF8708 157,807 10,045 SH   DFND 2,3 10,045 0 0
TELEPHONE & DATA SYS INC COM NEW 879433829 BBG000BV0VK7 117,788 14,312 SH   DFND 2,3 14,312 0 0
TOYOTA MOTOR CORP ADS 892331307 BBG000BPH299 405,090 2,520 SH   DFND 2,3 2,520 0 0
TOLL BROTHERS INC COM 889478103 BBG000BVHBM1 277,140 3,505 SH   DFND 2,3 3,505 0 0
TYSON FOODS INC CL A 902494103 BBG000DKCC19 203,650 3,990 SH   DFND 2,3 3,990 0 0
TOTALENERGIES SE SPONSORED ADS 89151E109 BBG000CHZ857 294,886 5,116 SH   DFND 2,3 5,116 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG000QVFB47 2,626,811 56,882 SH   DFND 2,3 56,882 0 0
VIAVI SOLUTIONS INC COM 925550105 BBG000BP7JB0 308,584 27,236 SH   DFND 2,3 27,236 0 0
VICI PPTYS INC COM 925652109 BBG00HVVB499 200,649 6,384 SH   DFND 2,3 6,384 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG000HX76S7 806,446 3,663 SH   DFND 2,3 3,663 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRW2 1,771,410 35,273 SH   DFND 2,3 35,273 0 0
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 BBG0016LDM47 1,099,515 14,540 SH   DFND 2,3 14,540 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG000HSZ812 3,266,225 16,112 SH   DFND 2,3 16,112 0 0
WHITE MTNS INS GROUP LTD COM G9618E107 BBG000G7PNS8 201,392 145 SH   DFND 2,3 145 0 0
XCEL ENERGY INC COM 98389B100 BBG000BCTQ65 206,653 3,324 SH   DFND 2,3 3,324 0 0
SELECT SECTOR SPDR TR INDL 81369Y704 BBG000BJ2RF7 443,446 4,132 SH   DFND 2,3 4,132 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG000BJ7007 1,657,581 9,534 SH   DFND 2,3 9,534 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 BBG000BHVSG6 600,471 4,524 SH   DFND 2,3 4,524 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 BBG000BJ1MF9 383,771 2,260 SH   DFND 2,3 2,260 0 0
ZIONS BANCORPORATION N A COM 989701107 BBG000BX9WL1 217,996 8,116 SH   DFND 2,3 8,116 0 0