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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 LABORATORIES Equities 002824100   919,491 8,065 SH   DFND   8,065 0 0
ABBOTT LABORATORIES Equities 002824100   698,653 6,128 SH   SOLE   6,079 0 49
ABBVIE INC Equities 00287Y109   1,587,739 8,040 SH   DFND   8,040 0 0
ABBVIE INC Equities 00287Y109   1,122,279 5,683 SH   SOLE   5,649 0 34
ACCENTURE PLC A Equities G1151C101   505,830 1,431 SH   SOLE   1,431 0 0
ADOBE INC Equities 00724F101   10,356 20 SH   DFND   20 0 0
ADOBE INC Equities 00724F101   450,469 870 SH   SOLE   867 0 3
ADVANCED MICRO DEVICES INC Equities 007903107   5,251 32 SH   DFND   32 0 0
ADVANCED MICRO DEVICES INC Equities 007903107   390,346 2,379 SH   SOLE   2,363 0 16
ALPHABET INC CAP STK CLASS C Equities 02079K107   13,375 80 SH   DFND   80 0 0
ALPHABET INC CAP STK CLASS C Equities 02079K107   1,747,637 10,453 SH   SOLE   10,406 0 47
ALPHABET INC CLASS A Equities 02079K305   18,409 111 SH   DFND   111 0 0
ALPHABET INC CLASS A Equities 02079K305   1,240,890 7,482 SH   SOLE   7,435 0 47
AMAZON.COM INC Equities 023135106   24,409 131 SH   DFND   131 0 0
AMAZON.COM INC Equities 023135106   1,882,865 10,105 SH   SOLE   10,041 0 64
AMERICAN EXPRESS COMMON Equities 025816109   644,100 2,375 SH   DFND   2,375 0 0
AMERICAN EXPRESS COMMON Equities 025816109   445,853 1,644 SH   SOLE   1,644 0 0
AMERIPRISE FINL INC COMMON Equities 03076C106   224,569 478 SH   DFND   478 0 0
AMERIPRISE FINL INC COMMON Equities 03076C106   242,422 516 SH   SOLE   509 0 7
AMGEN INC Equities 031162100   272,590 846 SH   SOLE   846 0 0
ANALOG DEVICES INC Equities 032654105   282,879 1,229 SH   SOLE   1,229 0 0
AON PLC Equities G0403H108   567,424 1,640 SH   SOLE   1,640 0 0
APOLLO GLOBAL MGMT INC Equities 03769M106   372,607 2,983 SH   SOLE   2,983 0 0
APPLE INC COMMON Equities 037833100   33,086 142 SH   DFND   142 0 0
APPLE INC COMMON Equities 037833100   3,149,927 13,519 SH   SOLE   13,433 0 86
APPLIED MATERIALS INC Equities 038222105   5,859 29 SH   DFND   29 0 0
APPLIED MATERIALS INC Equities 038222105   525,128 2,599 SH   SOLE   2,588 0 11
ARCH CAPITAL GROUP LTD Equities G0450A105   274,106 2,450 SH   SOLE   2,450 0 0
ARISTA NETWORKS INC Equities 040413106   5,373 14 SH   DFND   14 0 0
ARISTA NETWORKS INC Equities 040413106   292,855 763 SH   SOLE   755 0 8
AT&T INC Equities 00206R102   12,034 547 SH   DFND   547 0 0
AT&T INC Equities 00206R102   380,776 17,308 SH   SOLE   17,037 0 271
AUTOMATIC DATA PROCESSING INC Equities 053015103   110,692 400 SH   DFND   400 0 0
AUTOMATIC DATA PROCESSING INC Equities 053015103   651,699 2,355 SH   SOLE   2,355 0 0
BANK AMER CORP COMMON Equities 060505104   453,860 11,438 SH   SOLE   11,438 0 0
BERKSHIRE HATHAWAY INC DEL CLAS Equities 084670702   941,232 2,045 SH   SOLE   2,045 0 0
BLACKROCK INC CL A Equities 09247X101   17,091 18 SH   DFND   18 0 0
BLACKROCK INC CL A Equities 09247X101   201,296 212 SH   SOLE   207 0 5
BROADCOM INC Equities 11135F101   13,800 80 SH   DFND   80 0 0
BROADCOM INC Equities 11135F101   899,588 5,215 SH   SOLE   5,165 0 50
CAPITAL ONE FINL CORP COMMON Equities 14040H105   386,303 2,580 SH   SOLE   2,580 0 0
CATERPILLAR INC. Equities 149123101   9,778 25 SH   DFND   25 0 0
CATERPILLAR INC. Equities 149123101   441,966 1,130 SH   SOLE   1,119 0 11
CHEVRON CORP Equities 166764100   436,656 2,965 SH   SOLE   2,958 0 7
CHUBB LIMITED COM NPV Equities H1467J104   237,633 824 SH   SOLE   824 0 0
CINTAS CORP Equities 172908105   275,056 1,336 SH   SOLE   1,336 0 0
CISCO SYSTEMS INC Equities 17275R102   152,103 2,858 SH   DFND   2,858 0 0
CISCO SYSTEMS INC Equities 17275R102   635,926 11,949 SH   SOLE   11,848 0 101
COCA-COLA CO Equities 191216100   934,180 13,000 SH   DFND   13,000 0 0
COCA-COLA CO Equities 191216100   1,013,154 14,099 SH   SOLE   14,099 0 0
CONOCOPHILLIPS Equities 20825C104   211,402 2,008 SH   SOLE   2,008 0 0
COSTCO WHOLESALE CORP NEW COMMO Equities 22160K105   16,844 19 SH   DFND   19 0 0
COSTCO WHOLESALE CORP NEW COMMO Equities 22160K105   548,756 619 SH   SOLE   613 0 6
DANAHER CORP COMMON Equities 235851102   388,394 1,397 SH   SOLE   1,397 0 0
DELL TECHNOLOGIES INC Equities 24703L202   374,349 3,158 SH   SOLE   3,158 0 0
DISCOVER FINL SVCS Equities 254709108   231,198 1,648 SH   SOLE   1,648 0 0
EATON CORP PLC Equities G29183103   462,690 1,396 SH   SOLE   1,386 0 10
EXXON MOBIL CORP Equities 30231G102   1,355,415 11,563 SH   DFND   11,563 0 0
EXXON MOBIL CORP Equities 30231G102   1,483,067 12,652 SH   SOLE   12,604 0 48
FAIR ISAAC CORP Equities 303250104   309,020 159 SH   SOLE   159 0 0
FIRST TRUST TWC OPPORTUNISTIC F Equities 33740F805   309,894 6,850 SH   DFND   6,850 0 0
GE AEROSPACE Equities 369604301   430,151 2,281 SH   DFND   2,281 0 0
GE AEROSPACE Equities 369604301   681,151 3,612 SH   SOLE   3,612 0 0
GE VERNOVA Equities 36828A101   143,299 562 SH   DFND   562 0 0
GE VERNOVA Equities 36828A101   172,876 678 SH   SOLE   678 0 0
GOLDMAN SACHS GROUP INC COMMON Equities 38141G104   240,623 486 SH   SOLE   486 0 0
HEWLETT PACKARD ENTERPRISE COMM Equities 42824C109   210,492 10,288 SH   SOLE   10,288 0 0
HUBBELL INC NPV Equities 443510607   1,081,584 2,525 SH   DFND   2,525 0 0
INTEL CORP Equities 458140100   481,915 20,542 SH   SOLE   20,542 0 0
INTERCONTINENTALEXCHANGE GROUP Equities 45866F104   353,729 2,202 SH   SOLE   2,202 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101   11,717 53 SH   DFND   53 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101   200,520 907 SH   SOLE   889 0 18
INTUIT Equities 461202103   286,281 461 SH   SOLE   461 0 0
INTUITIVE SURGICAL INC COM NEW Equities 46120E602   343,889 700 SH   SOLE   700 0 0
INVESCO AC VAR ETF Equities 46090A879   509,802 20,323 SH   DFND   20,323 0 0
INVESCO AC VAR ETF Equities 46090A879   12,415,019 494,918 SH   SOLE   491,401 0 3,517
ISHARES AAA-A RATED CORP BOND E Equities 46429B291   781,485 15,900 SH   SOLE   15,900 0 0
ISHARES AGENCY BOND ETF Equities 464288166   2,543,064 23,035 SH   SOLE   23,035 0 0
ISHARES CORE MSCI EMERG MARKTET Equities 46434G103   380,399 6,626 SH   DFND   6,626 0 0
ISHARES CORE S&P 500 ETF Equities 464287200   2,145,194 3,719 SH   SOLE   3,719 0 0
ISHARES CORE S&P SMALL CAP ETF Equities 464287804   1,276,384 10,913 SH   DFND   10,913 0 0
ISHARES CORE S&P SMALL CAP ETF Equities 464287804   24,920,082 213,065 SH   SOLE   212,423 0 642
ISHARES CORE U.S. AGGREGATE BO Equities 464287226   1,610,801 15,906 SH   DFND   15,906 0 0
ISHARES CORE U.S. AGGREGATE BO Equities 464287226   46,967,507 463,785 SH   SOLE   460,986 0 2,799
ISHARES GLBL MAT ETF Equities 464288695   275,655 2,956 SH   DFND   2,956 0 0
ISHARES GLBL MAT ETF Equities 464288695   9,512 102 SH   SOLE   102 0 0
ISHARES GLOBAL CONSUMER DISCR E Equities 464288745   254,435 1,434 SH   DFND   1,434 0 0
ISHARES GNMA BOND ETF Equities 46429B333   2,480,470 55,380 SH   SOLE   55,380 0 0
ISHARES MSCI EAFE Equities 464287465   23,835 285 SH   DFND   285 0 0
ISHARES MSCI EAFE Equities 464287465   1,140,379 13,636 SH   SOLE   13,636 0 0
ISHARES MSCI EMERG Equities 464287234   780 17 SH   DFND   17 0 0
ISHARES MSCI EMERG Equities 464287234   525,235 11,453 SH   SOLE   11,453 0 0
ISHARES RUSSELL 2000 Equities 464287655   213,822 968 SH   DFND   968 0 0
ISHARES RUSSELL 2000 Equities 464287655   1,622,658 7,346 SH   SOLE   7,346 0 0
ISHARES S&P 500 GROWTH ETF Equities 464287309   239,854 2,505 SH   DFND   2,505 0 0
ISHARES S&P 500 GROWTH ETF Equities 464287309   136,061 1,421 SH   SOLE   1,421 0 0
ISHARES S&P GLO INDS Equities 464288729   330,969 2,225 SH   DFND   2,225 0 0
ISHARES S&P GLO INDS Equities 464288729   353,281 2,375 SH   SOLE   2,375 0 0
ISHARES S&P GLOB TECH SECTOR ID Equities 464287291   283,491 3,435 SH   DFND   3,435 0 0
ISHARES S&P GLOB TECH SECTOR ID Equities 464287291   450,614 5,460 SH   SOLE   5,460 0 0
ISHARES S&P GLOBAL FINANCIALS I Equities 464287333   329,138 3,480 SH   DFND   3,480 0 0
ISHARES SHORT-TERM CORPORATE BD Equities 464288646   378,099 7,180 SH   DFND   7,180 0 0
ISHARES TR MSCI Equities 464288257   649,754 5,435 SH   DFND   5,435 0 0
ISHARES TR MSCI Equities 464288257   909,058 7,604 SH   SOLE   7,604 0 0
ISHS INTL SEL DV ETF Equities 464288448   113,604 3,758 SH   DFND   3,758 0 0
ISHS INTL SEL DV ETF Equities 464288448   1,235,107 40,857 SH   SOLE   38,678 0 2,179
JOHNSON & JOHNSON Equities 478160104   978,518 6,038 SH   DFND   6,038 0 0
JOHNSON & JOHNSON Equities 478160104   695,237 4,290 SH   SOLE   4,275 0 15
JP MORGAN INTL BOND OPPORTUNITI Equities 46641Q852   487 10 SH   DFND   10 0 0
JP MORGAN INTL BOND OPPORTUNITI Equities 46641Q852   2,439,513 50,139 SH   SOLE   50,139 0 0
JP MORGAN ULTRA SHORT INC ETF Equities 46641Q837   391,967 7,725 SH   DFND   7,725 0 0
JPMORGAN CHASE & CO Equities 46625H100   13,706 65 SH   DFND   65 0 0
JPMORGAN CHASE & CO Equities 46625H100   1,379,024 6,540 SH   SOLE   6,513 0 27
JPMORGAN ULTRA-SHORT MUNICIPAL Equities 46641Q654   714,484 14,026 SH   DFND   14,026 0 0
JPMORGAN ULTRA-SHORT MUNICIPAL Equities 46641Q654   8,802,941 172,810 SH   SOLE   172,810 0 0
KINDER MORGAN INC DEL COMMON Equities 49456B101   223,904 10,136 SH   SOLE   10,136 0 0
KROGER CO Equities 501044101   604,114 10,543 SH   SOLE   10,543 0 0
LAM RESEARCH CORP Equities 512807108   201,572 247 SH   SOLE   247 0 0
LILLY ELI & COMMON Equities 532457108   12,403 14 SH   DFND   14 0 0
LILLY ELI & COMMON Equities 532457108   1,532,676 1,730 SH   SOLE   1,722 0 8
LOWES COS INC COMMON Equities 548661107   27,085 100 SH   DFND   100 0 0
LOWES COS INC COMMON Equities 548661107   369,439 1,364 SH   SOLE   1,364 0 0
MARSH & MCLENNAN COS INC Equities 571748102   253,207 1,135 SH   SOLE   1,135 0 0
MARVELL TECHNOLOGY INC Equities 573874104   206,624 2,865 SH   SOLE   2,865 0 0
MASTERCARD CL A Equities 57636Q104   815,758 1,652 SH   SOLE   1,652 0 0
MCDONALDS CORP COMMON Equities 580135101   341,051 1,120 SH   SOLE   1,120 0 0
MERCK & CO INC NEW Equities 58933Y105   689,877 6,075 SH   DFND   6,075 0 0
MERCK & CO INC NEW Equities 58933Y105   1,067,123 9,397 SH   SOLE   9,373 0 24
META PLATFORMS INC. Equities 30303M102   17,746 31 SH   DFND   31 0 0
META PLATFORMS INC. Equities 30303M102   1,517,538 2,651 SH   SOLE   2,638 0 13
METLIFE INC COMMON Equities 59156R108   278,782 3,380 SH   SOLE   3,380 0 0
MICROSOFT CORP Equities 594918104   75,303 175 SH   DFND   175 0 0
MICROSOFT CORP Equities 594918104   3,049,966 7,088 SH   SOLE   7,046 0 42
MOODYS CORP Equities 615369105   429,029 904 SH   SOLE   904 0 0
MORGAN STANLEY Equities 617446448   226,097 2,169 SH   SOLE   2,169 0 0
NETFLIX INC COMMON Equities 64110L106   399,319 563 SH   SOLE   563 0 0
NEXTERA ENERGY INC Equities 65339F101   344,460 4,075 SH   SOLE   4,075 0 0
NVIDIA CORP Equities 67066G104   30,603 252 SH   DFND   252 0 0
NVIDIA CORP Equities 67066G104   2,254,898 18,568 SH   SOLE   18,446 0 122
ORACLE CORP Equities 68389X105   170,400 1,000 SH   DFND   1,000 0 0
ORACLE CORP Equities 68389X105   485,299 2,848 SH   SOLE   2,848 0 0
PAYCHEX COMMON Equities 704326107   11,943 89 SH   DFND   89 0 0
PAYCHEX COMMON Equities 704326107   266,636 1,987 SH   SOLE   1,966 0 21
PEPSICO INC Equities 713448108   331,427 1,949 SH   SOLE   1,949 0 0
PHILIP MORRIS INTL INC COMMON Equities 718172109   12,140 100 SH   DFND   100 0 0
PHILIP MORRIS INTL INC COMMON Equities 718172109   266,837 2,198 SH   SOLE   2,198 0 0
PROCTER & GAMBLE CO Equities 742718109   18,914,306 109,205 SH   SOLE   109,205 0 0
PROLOGIS INC Equities 74340W103   248,519 1,968 SH   SOLE   1,968 0 0
PRUDENTIAL FINL INC Equities 744320102   16,591 137 SH   DFND   137 0 0
PRUDENTIAL FINL INC Equities 744320102   349,131 2,883 SH   SOLE   2,826 0 57
QUALCOMM INC COMMON Equities 747525103   283,643 1,668 SH   SOLE   1,655 0 13
RAYTHEON TECHNOLOGIES CORP Equities 75513E101   577,570 4,767 SH   DFND   4,767 0 0
RAYTHEON TECHNOLOGIES CORP Equities 75513E101   248,136 2,048 SH   SOLE   1,997 0 51
S&P GLOBAL INC COM Equities 78409V104   619,944 1,200 SH   DFND   1,200 0 0
S&P GLOBAL INC COM Equities 78409V104   239,195 463 SH   SOLE   463 0 0
SALESFORCE INC Equities 79466L302   8,759 32 SH   DFND   32 0 0
SALESFORCE INC Equities 79466L302   750,787 2,743 SH   SOLE   2,723 0 20
SCHWAB STRATEGIC US DIVIDEND EQ Equities 808524797   383,935 4,542 SH   SOLE   4,542 0 0
SPDR BARCLAYS SHORT TERM HIGH Y Equities 78468R408   214,652 8,336 SH   DFND   8,336 0 0
SPDR BARCLAYS SHORT TERM HIGH Y Equities 78468R408   1,867,416 72,521 SH   SOLE   68,869 0 3,652
SPDR GOLD TR GOLD SHS Equities 78463V107   85,071 350 SH   DFND   350 0 0
SPDR GOLD TR GOLD SHS Equities 78463V107   118,370 487 SH   SOLE   487 0 0
SPDR S&P 500 ETF TR TR UNIT Equities 78462F103   5,636,618 9,824 SH   DFND   9,824 0 0
SPDR S&P 500 ETF TR TR UNIT Equities 78462F103   13,232,053 23,062 SH   SOLE   23,062 0 0
SPDR S&P MIDCAP 400 ETF TR Equities 78467Y107   222,167 390 SH   DFND   390 0 0
SPDR S&P MIDCAP 400 ETF TR Equities 78467Y107   1,452,633 2,550 SH   SOLE   2,540 0 10
SPDR SER TR NUVEEN BLOOMBERG BA Equities 78468R739   754,787 15,679 SH   SOLE   15,679 0 0
STRYKER CORP Equities 863667101   226,871 628 SH   SOLE   628 0 0
SYNOPSYS INC Equities 871607107   252,689 499 SH   SOLE   499 0 0
TARGET CORP Equities 87612E106   658,041 4,222 SH   SOLE   4,222 0 0
TECH SELECT SEC SPDR Equities 81369Y803   225,760 1,000 SH   DFND   1,000 0 0
TECH SELECT SEC SPDR Equities 81369Y803   882,496 3,909 SH   SOLE   3,909 0 0
TESLA MTRS INC Equities 88160R101   7,326 28 SH   DFND   28 0 0
TESLA MTRS INC Equities 88160R101   794,832 3,038 SH   SOLE   3,027 0 11
THE HOME DEPOT INC Equities 437076102   17,829 44 SH   DFND   44 0 0
THE HOME DEPOT INC Equities 437076102   762,181 1,881 SH   SOLE   1,865 0 16
THERMO FISHER SCIENTIFIC INC CO Equities 883556102   11,753 19 SH   DFND   19 0 0
THERMO FISHER SCIENTIFIC INC CO Equities 883556102   434,855 703 SH   SOLE   698 0 5
UNION PACIFIC CORP Equities 907818108   1,191,977 4,836 SH   DFND   4,836 0 0
UNION PACIFIC CORP Equities 907818108   227,501 923 SH   SOLE   909 0 14
UNITEDHEALTH GROUP INC Equities 91324P102   9,940 17 SH   DFND   17 0 0
UNITEDHEALTH GROUP INC Equities 91324P102   917,948 1,570 SH   SOLE   1,559 0 11
VANGUARD FTSE EMERGING MARKETS Equities 922042858   202,262 4,227 SH   DFND   4,227 0 0
VANGUARD FTSE EMERGING MARKETS Equities 922042858   6,338,211 132,460 SH   SOLE   132,242 0 218
VANGUARD IND FD MID-CAP ETF Equities 922908629   382,290 1,449 SH   SOLE   1,449 0 0
VANGUARD INDEX FUNDS VANGUARD E Equities 922908652   656,074 3,605 SH   SOLE   3,605 0 0
VANGUARD INTM-TERM GOVT BOND FU Equities 92206C706   248,205 4,108 SH   SOLE   4,108 0 0
VANGUARD LARGE-CAP ETF Equities 922908637   3,261,373 12,387 SH   DFND   12,387 0 0
VANGUARD LARGE-CAP ETF Equities 922908637   43,111,105 163,740 SH   SOLE   163,740 0 0
VANGUARD MUN BD FD INC TAX EXEM Equities 922907746   2,893,801 56,608 SH   DFND   56,608 0 0
VANGUARD MUN BD FD INC TAX EXEM Equities 922907746   39,360,866 769,970 SH   SOLE   769,970 0 0
VANGUARD STAR FUNDS VANGUARD TO Equities 921909768   794,684 12,275 SH   DFND   12,275 0 0
VANGUARD STAR FUNDS VANGUARD TO Equities 921909768   38,350,616 592,379 SH   SOLE   592,379 0 0
VERIZON COMMUNICATIONS INC COMM Equities 92343V104   7,994 178 SH   DFND   178 0 0
VERIZON COMMUNICATIONS INC COMM Equities 92343V104   333,008 7,415 SH   SOLE   7,353 0 62
VISA COMMON CL A Equities 92826C839   13,198 48 SH   DFND   48 0 0
VISA COMMON CL A Equities 92826C839   964,525 3,508 SH   SOLE   3,486 0 22
WAL-MART STORES COMMON Equities 931142103   570,822 7,069 SH   SOLE   7,069 0 0
WALT DISNEY COMMON Equities 254687106   203,538 2,116 SH   SOLE   2,116 0 0
WELLS FARGO & CO Equities 949746101   381,985 6,762 SH   SOLE   6,762 0 0