Bangor Savings Bank 13F-HR Quarterly holdings report by institutional manager

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
Expires:	Oct 31, 2018
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	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
3M Co	COM	88579Y101	42,853	392	SH		DFND	NONE	392	0	0
3M Co	COM	88579Y101	1,103,804	10,097	SH		SOLE	NONE	10,097	0	0
5TH THIRD BANCORP	COM	316773100	22,419	650	SH		SOLE	NONE	650	0	0
ADAMS EXPRESS COMPANY	COM	006212104	12,043	680	SH		SOLE	NONE	680	0	0
ADVANCED MICRO DEV	COM	007903107	189,127	1,283	SH		SOLE	NONE	1,283	0	0
ALBEMARLE CORP	COM	012653101	78,597	544	SH		DFND	NONE	544	0	0
ALBEMARLE CORP	COM	012653101	1,832,440	12,683	SH		SOLE	NONE	12,683	0	0
ALPHABET INC	CAP STK CL A	02079K305	276,866	1,982	SH		DFND	NONE	1,982	0	0
ALPHABET INC	CAP STK CL A	02079K305	4,286,946	30,689	SH		SOLE	NONE	30,689	0	0
ALTRIA GROUP INC	COM	02209S103	278,346	6,900	SH		DFND	NONE	6,900	0	0
ALTRIA GROUP INC	COM	02209S103	129,048	3,199	SH		SOLE	NONE	3,199	0	0
AMER EXPRESS CO	COM	025816109	391,915	2,092	SH		SOLE	NONE	2,092	0	0
AMEREN CORP	COM	023608102	25,319	350	SH		SOLE	NONE	350	0	0
ANALOG DEVICES INC	COM	032654105	220,600	1,111	SH		SOLE	NONE	1,111	0	0
ANSYS, INC.	COM	03662Q105	1,452	4	SH		DFND	NONE	4	0	0
ANSYS, INC.	COM	03662Q105	36,288	100	SH		SOLE	NONE	100	0	0
APPLIED MATERIALS	COM	038222105	95,783	591	SH		DFND	NONE	591	0	0
APPLIED MATERIALS	COM	038222105	3,186,296	19,660	SH		SOLE	NONE	19,660	0	0
ARK Investment Management LLC	INNOVATION ETF	00214Q104	3,928	75	SH		SOLE	NONE	75	0	0
AT&T INC	COM	00206R102	322,696	19,231	SH		DFND	NONE	19,231	0	0
AT&T INC	COM	00206R102	1,045,931	62,332	SH		SOLE	NONE	62,332	0	0
AUTOMATIC DATA PROCESSING	COM	053015103	328,954	1,412	SH		DFND	NONE	1,412	0	0
AUTOMATIC DATA PROCESSING	COM	053015103	838,692	3,600	SH		SOLE	NONE	3,600	0	0
AVERY DENNISON CORP	COM	053611109	1,213	6	SH		SOLE	NONE	6	0	0
AbbVie Inc	COM	00287Y109	300,177	1,937	SH		DFND	NONE	1,937	0	0
AbbVie Inc	COM	00287Y109	1,899,932	12,260	SH		SOLE	NONE	12,260	0	0
Abbott Laboratories	COM	002824100	41,056	373	SH		DFND	NONE	373	0	0
Abbott Laboratories	COM	002824100	601,643	5,466	SH		SOLE	NONE	5,466	0	0
Accenture PLC	SHS CLASS A	G1151C101	35,091	100	SH		DFND	NONE	100	0	0
Accenture PLC	SHS CLASS A	G1151C101	337,926	963	SH		SOLE	NONE	963	0	0
Adobe Inc	COM	00724F101	70,399	118	SH		DFND	NONE	118	0	0
Adobe Inc	COM	00724F101	2,546,885	4,269	SH		SOLE	NONE	4,269	0	0
Aflac Inc	COM	001055102	66,743	809	SH		SOLE	NONE	809	0	0
Air Products and Chemicals Inc	COM	009158106	122,936	449	SH		SOLE	NONE	449	0	0
Alibaba Group Holding Ltd	SPONSORED ADS	01609W102	3,876	50	SH		DFND	NONE	50	0	0
Alibaba Group Holding Ltd	SPONSORED ADS	01609W102	14,262	184	SH		SOLE	NONE	184	0	0
Alliant Energy Corp	COM	018802108	9,901	193	SH		SOLE	NONE	193	0	0
Alphabet Inc	CAP STK CL C	02079K107	144,735	1,027	SH		DFND	NONE	1,027	0	0
Alphabet Inc	CAP STK CL C	02079K107	2,937,657	20,846	SH		SOLE	NONE	20,846	0	0
Amazon.com Inc	COM	023135106	90,556	596	SH		DFND	NONE	596	0	0
Amazon.com Inc	COM	023135106	3,574,692	23,527	SH		SOLE	NONE	23,527	0	0
Amcor PLC	ORD	G0250X107	28,920	3,000	SH		SOLE	NONE	3,000	0	0
American Electric Power Co Inc	COM	025537101	42,559	524	SH		SOLE	NONE	524	0	0
American Tower Corp	COM	03027X100	28,928	134	SH		SOLE	NONE	134	0	0
American Water Works Co Inc	COM	030420103	72,726	551	SH		DFND	NONE	551	0	0
American Water Works Co Inc	COM	030420103	1,658,718	12,567	SH		SOLE	NONE	12,567	0	0
Ameriprise Financial Inc	COM	03076C106	39,502	104	SH		SOLE	NONE	104	0	0
Amgen Inc	COM	031162100	60,772	211	SH		DFND	NONE	211	0	0
Amgen Inc	COM	031162100	1,787,740	6,207	SH		SOLE	NONE	6,207	0	0
Amphenol Corp	CL A	032095101	6,741	68	SH		SOLE	NONE	68	0	0
Anavex Life Sciences Corp	COM NEW	032797300	1,397	150	SH		SOLE	NONE	150	0	0
Aon PLC	SHS CL A	G0403H108	728,423	2,503	SH		SOLE	NONE	2,503	0	0
Apple Inc	COM	037833100	398,730	2,071	SH		DFND	NONE	2,071	0	0
Apple Inc	COM	037833100	14,079,498	73,129	SH		SOLE	NONE	73,129	0	0
Aptiv PLC	SHS	G6095L109	57,241	638	SH		DFND	NONE	638	0	0
Aptiv PLC	SHS	G6095L109	987,817	11,010	SH		SOLE	NONE	11,010	0	0
Archer-Daniels-Midland Co	COM	039483102	90,781	1,257	SH		DFND	NONE	1,257	0	0
Archer-Daniels-Midland Co	COM	039483102	876,101	12,131	SH		SOLE	NONE	12,131	0	0
Arthur J Gallagher & Co	COM	363576109	93,100	414	SH		SOLE	NONE	414	0	0
Avanos Medical Inc	COM	05350V106	695	31	SH		DFND	NONE	31	0	0
BARRICK GOLD CORP	COM	067901108	7,489	414	SH		DFND	NONE	414	0	0
BARRICK GOLD CORP	COM	067901108	323,087	17,860	SH		SOLE	NONE	17,860	0	0
BAXTER INTL INC	COM	071813109	9,665	250	SH		DFND	NONE	250	0	0
BAXTER INTL INC	COM	071813109	68,351	1,768	SH		SOLE	NONE	1,768	0	0
BECTON DICKINSON	COM	075887109	48,766	200	SH		DFND	NONE	200	0	0
BECTON DICKINSON	COM	075887109	59,251	243	SH		SOLE	NONE	243	0	0
BEST BUY CO INC	COM	086516101	548	7	SH		SOLE	NONE	7	0	0
BHP BILLITON LTD	SPONSORED ADS	088606108	32,925	482	SH		DFND	NONE	482	0	0
BHP BILLITON LTD	SPONSORED ADS	088606108	25,685	376	SH		SOLE	NONE	376	0	0
BK OF AMERICA CORP	COM	060505104	142,794	4,241	SH		DFND	NONE	4,241	0	0
BK OF AMERICA CORP	COM	060505104	109,428	3,250	SH		SOLE	NONE	3,250	0	0
BLACKROCK FUND ADVISORS	HDG MSCI EAFE	46434V803	27,382	869	SH		SOLE	NONE	869	0	0
BOEING CO	COM	097023105	39,099	150	SH		DFND	NONE	150	0	0
BOEING CO	COM	097023105	94,359	362	SH		SOLE	NONE	362	0	0
BP PLC	SPONSORED ADR	055622104	7,045	199	SH		DFND	NONE	199	0	0
BP PLC	SPONSORED ADR	055622104	33,701	952	SH		SOLE	NONE	952	0	0
BRIGHTHOUSE FINANCIAL INC.	COM	10922N103	1,799	34	SH		DFND	NONE	34	0	0
BRISTOL-MYRS SQUIB	COM	110122108	234,948	4,579	SH		DFND	NONE	4,579	0	0
BRISTOL-MYRS SQUIB	COM	110122108	2,529,173	49,292	SH		SOLE	NONE	49,292	0	0
BROADRIDGE FIN SOL	COM	11133T103	69,544	338	SH		DFND	NONE	338	0	0
BROADRIDGE FIN SOL	COM	11133T103	23,456	114	SH		SOLE	NONE	114	0	0
Banco Santander SA	ADR	05964H105	90,815	21,936	SH		SOLE	NONE	21,936	0	0
Bar Harbor Bankshares	COM	066849100	293,600	10,000	SH		DFND	NONE	10,000	0	0
Bar Harbor Bankshares	COM	066849100	106,430	3,625	SH		SOLE	NONE	3,625	0	0
Berkshire Hathaway Inc	CL B NEW	084670702	67,052	188	SH		DFND	NONE	188	0	0
Berkshire Hathaway Inc	CL B NEW	084670702	2,066,488	5,794	SH		SOLE	NONE	5,794	0	0
Biogen Inc	COM	09062X103	7,246	28	SH		SOLE	NONE	28	0	0
BlackRock Fund Advisors	MSCI GBL MIN VOL	464286525	6,422	64	SH		SOLE	NONE	64	0	0
BlackRock Fund Advisors	MSCI EQUAL WEITE	464286681	497,436	5,891	SH		SOLE	NONE	5,891	0	0
BlackRock Fund Advisors	20 YR TR BD ETF	464287432	8,998	91	SH		SOLE	NONE	91	0	0
BlackRock Fund Advisors	MSCI EAFE ETF	464287465	216,104	2,868	SH		DFND	NONE	2,868	0	0
BlackRock Fund Advisors	MSCI EAFE ETF	464287465	290,851	3,860	SH		SOLE	NONE	3,860	0	0
BlackRock Fund Advisors	RUS MDCP VAL ETF	464287473	55,238	475	SH		SOLE	NONE	475	0	0
BlackRock Fund Advisors	RUS MID CAP ETF	464287499	487,367	6,270	SH		SOLE	NONE	6,270	0	0
BlackRock Fund Advisors	CORE S&P MCP ETF	464287507	1,506,310	5,435	SH		DFND	NONE	5,435	0	0
BlackRock Fund Advisors	CORE S&P MCP ETF	464287507	49,820,137	179,759	SH		SOLE	NONE	179,759	0	0
BlackRock Fund Advisors	S&P MC 400GR ETF	464287606	58,623	740	SH		DFND	NONE	740	0	0
BlackRock Fund Advisors	S&P MC 400GR ETF	464287606	742,925	9,378	SH		SOLE	NONE	9,378	0	0
BlackRock Fund Advisors	RUS 1000 ETF	464287622	9,966	38	SH		SOLE	NONE	38	0	0
BlackRock Fund Advisors	RUS 2000 GRW ETF	464287648	340,749	1,351	SH		SOLE	NONE	1,351	0	0
BlackRock Fund Advisors	RUSSELL 3000 ETF	464287689	61,592	225	SH		SOLE	NONE	225	0	0
BlackRock Fund Advisors	S&P MC 400VL ETF	464287705	1,402,350	12,297	SH		SOLE	NONE	12,297	0	0
BlackRock Fund Advisors	CORE S&P SCP ETF	464287804	1,932,696	17,854	SH		DFND	NONE	17,854	0	0
BlackRock Fund Advisors	CORE S&P SCP ETF	464287804	45,011,139	415,807	SH		SOLE	NONE	415,807	0	0
BlackRock Fund Advisors	US CONSM STAPLES	464287812	26,073	136	SH		SOLE	NONE	136	0	0
BlackRock Fund Advisors	DOW JONES US ETF	464287846	55,002	472	SH		SOLE	NONE	472	0	0
BlackRock Fund Advisors	INTL TREA BD ETF	464288117	6,200	150	SH		DFND	NONE	150	0	0
BlackRock Fund Advisors	SHRT NAT MUN ETF	464288158	49,552	470	SH		DFND	NONE	470	0	0
BlackRock Fund Advisors	SHRT NAT MUN ETF	464288158	191,250	1,814	SH		SOLE	NONE	1,814	0	0
BlackRock Fund Advisors	INTL SEL DIV ETF	464288448	4,792,448	171,220	SH		DFND	NONE	171,220	0	0
BlackRock Fund Advisors	INTL SEL DIV ETF	464288448	5,981,575	213,704	SH		SOLE	NONE	213,704	0	0
BlackRock Fund Advisors	MSCI KLD400 SOC	464288570	278,613	3,060	SH		DFND	NONE	3,060	0	0
BlackRock Fund Advisors	MSCI KLD400 SOC	464288570	2,288,815	25,138	SH		SOLE	NONE	25,138	0	0
BlackRock Fund Advisors	MBS ETF	464288588	37,162	395	SH		DFND	NONE	395	0	0
BlackRock Fund Advisors	MBS ETF	464288588	17,443,066	185,407	SH		SOLE	NONE	185,407	0	0
BlackRock Fund Advisors	GOV/CRED BD ETF	464288596	304,009	2,889	SH		SOLE	NONE	2,889	0	0
BlackRock Fund Advisors	INTRM GOV CR ETF	464288612	45,047	430	SH		DFND	NONE	430	0	0
BlackRock Fund Advisors	INTRM GOV CR ETF	464288612	587,180	5,605	SH		SOLE	NONE	5,605	0	0
BlackRock Fund Advisors	ISHS 5-10YR INVT	464288638	698,880	13,440	SH		DFND	NONE	13,440	0	0
BlackRock Fund Advisors	ISHS 5-10YR INVT	464288638	1,499,472	28,836	SH		SOLE	NONE	28,836	0	0
BlackRock Fund Advisors	ISHS 1-5YR INVS	464288646	1,112,514	21,697	SH		DFND	NONE	21,697	0	0
BlackRock Fund Advisors	ISHS 1-5YR INVS	464288646	41,291,147	805,288	SH		SOLE	NONE	805,288	0	0
BlackRock Fund Advisors	PFD AND INCM SEC	464288687	36,024	1,155	SH		SOLE	NONE	1,155	0	0
BlackRock Fund Advisors	GLOB UTILITS ETF	464288711	87,383	1,495	SH		SOLE	NONE	1,495	0	0
BlackRock Fund Advisors	US OIL GS EX ETF	464288851	16,588	178	SH		SOLE	NONE	178	0	0
BlackRock Fund Advisors	MSCI USA MIN VOL	46429B697	74,675	957	SH		SOLE	NONE	957	0	0
BlackRock Fund Advisors	MSCI USA QLT FCT	46432F339	176,862	1,202	SH		SOLE	NONE	1,202	0	0
BlackRock Fund Advisors	MSCI USA MMENTM	46432F396	47,067	300	SH		SOLE	NONE	300	0	0
BlackRock Fund Advisors	CORE MSCI EMKT	46434G103	617,329	12,205	SH		SOLE	NONE	12,205	0	0
BlackRock Fund Advisors	MSCI EMRG CHN	46434G764	91,149	1,645	SH		SOLE	NONE	1,645	0	0
BlackRock Fund Advisors	ESG AWR MSCI EM	46434G863	131,638	4,106	SH		SOLE	NONE	4,106	0	0
BlackRock Fund Advisors	ESG AWARE MSCI	46435U663	378,922	9,969	SH		SOLE	NONE	9,969	0	0
BlackRock Inc	COM	09247X101	27,601	34	SH		DFND	NONE	34	0	0
BlackRock Inc	COM	09247X101	1,425,521	1,756	SH		SOLE	NONE	1,756	0	0
Booking Holdings Inc	COM	09857L108	138,342	39	SH		SOLE	NONE	39	0	0
BrainStorm Cell Therapeutics I	COM NEW	10501E201	1,092	4,000	SH		SOLE	NONE	4,000	0	0
Broadcom Inc	COM	11135F101	462,128	414	SH		SOLE	NONE	414	0	0
CAMECO CORP	COM	13321L108	18,749	435	SH		DFND	NONE	435	0	0
CARNIVAL CORP	COMMON STOCK	143658300	1,854	100	SH		SOLE	NONE	100	0	0
CARRIER GLOBAL CORP	COM	14448C104	62,046	1,080	SH		DFND	NONE	1,080	0	0
CARRIER GLOBAL CORP	COM	14448C104	97,378	1,695	SH		SOLE	NONE	1,695	0	0
CDN NATL RAILWAYS	COM	136375102	80,403	640	SH		SOLE	NONE	640	0	0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	EMRG MKTEQ ETF	808524706	23,303	940	SH		DFND	NONE	940	0	0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	EMRG MKTEQ ETF	808524706	4,181,006	168,657	SH		SOLE	NONE	168,657	0	0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	US DIVIDEND EQ	808524797	280,311	3,682	SH		DFND	NONE	3,682	0	0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	US DIVIDEND EQ	808524797	2,647,268	34,773	SH		SOLE	NONE	34,773	0	0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	US TIPS ETF	808524870	31,216	598	SH		SOLE	NONE	598	0	0
CHUBB LIMITED COM	COM	H1467J104	37,064	164	SH		SOLE	NONE	164	0	0
CISCO SYSTEMS	COM	17275R102	83,611	1,655	SH		DFND	NONE	1,655	0	0
CISCO SYSTEMS	COM	17275R102	2,020,851	40,001	SH		SOLE	NONE	40,001	0	0
CLEVELAND CLIFFS COM	COM	185899101	20,420	1,000	SH		SOLE	NONE	1,000	0	0
CME Group Inc	COM	12572Q105	24,851	118	SH		SOLE	NONE	118	0	0
COLGATE-PALMOLIVE	COM	194162103	137,819	1,729	SH		SOLE	NONE	1,729	0	0
CONOCOPHILLIPS	COM	20825C104	21,705	187	SH		DFND	NONE	187	0	0
CONOCOPHILLIPS	COM	20825C104	259,765	2,238	SH		SOLE	NONE	2,238	0	0
CORNING INC	COM	219350105	14,829	487	SH		DFND	NONE	487	0	0
CORNING INC	COM	219350105	109,620	3,600	SH		SOLE	NONE	3,600	0	0
CRISPR Therapeutics AG	NAMEN AKT	H17182108	15,963	255	SH		SOLE	NONE	255	0	0
CSX CORP	COM	126408103	37,444	1,080	SH		DFND	NONE	1,080	0	0
CSX CORP	COM	126408103	475,360	13,711	SH		SOLE	NONE	13,711	0	0
CUMMINS INC	COM	231021106	479	2	SH		DFND	NONE	2	0	0
CUMMINS INC	COM	231021106	23,957	100	SH		SOLE	NONE	100	0	0
CVS Health Corp	COM	126650100	33,005	418	SH		DFND	NONE	418	0	0
CVS Health Corp	COM	126650100	155,472	1,969	SH		SOLE	NONE	1,969	0	0
Camden National Corp	COM	133034108	52,230	1,388	SH		SOLE	NONE	1,388	0	0
Capital One Financial Corp	COM	14040H105	22,946	175	SH		DFND	NONE	175	0	0
Capital One Financial Corp	COM	14040H105	25,700	196	SH		SOLE	NONE	196	0	0
Cardinal Health Inc	COM	14149Y108	48,989	486	SH		SOLE	NONE	486	0	0
Catalyst Pharmaceuticals Inc	COM	14888U101	1,681	100	SH		SOLE	NONE	100	0	0
Caterpillar Inc	COM	149123101	147,835	500	SH		DFND	NONE	500	0	0
Caterpillar Inc	COM	149123101	197,803	669	SH		SOLE	NONE	669	0	0
Charles Schwab Investment Management Inc	US BRD MKT ETF	808524102	9,464	170	SH		SOLE	NONE	170	0	0
Charles Schwab Investment Management Inc	US LRG CAP ETF	808524201	11,224	199	SH		DFND	NONE	199	0	0
Charles Schwab Investment Management Inc	US LRG CAP ETF	808524201	74,471,698	1,320,420	SH		SOLE	NONE	1,320,420	0	0
Charles Schwab Investment Management Inc	US LCAP GR ETF	808524300	54,754	660	SH		SOLE	NONE	660	0	0
Charles Schwab Investment Management Inc	US MID-CAP ETF	808524508	42,480	564	SH		DFND	NONE	564	0	0
Charles Schwab Investment Management Inc	US MID-CAP ETF	808524508	16,415,391	217,942	SH		SOLE	NONE	217,942	0	0
Charles Schwab Investment Management Inc	US SML CAP ETF	808524607	43,083	912	SH		DFND	NONE	912	0	0
Charles Schwab Investment Management Inc	US SML CAP ETF	808524607	15,031,088	318,186	SH		SOLE	NONE	318,186	0	0
Charles Schwab Investment Management Inc	5 10YR CORP BD	808524698	55,456	1,234	SH		SOLE	NONE	1,234	0	0
Charles Schwab Investment Management Inc	SCHWB FDT INT SC	808524748	38,346	1,100	SH		SOLE	NONE	1,100	0	0
Charles Schwab Investment Management Inc	SCHWB FDT INT LG	808524755	71,170	2,110	SH		SOLE	NONE	2,110	0	0
Charles Schwab Investment Management Inc	INTL EQTY ETF	808524805	45,756	1,238	SH		DFND	NONE	1,238	0	0
Charles Schwab Investment Management Inc	INTL EQTY ETF	808524805	18,127,238	490,456	SH		SOLE	NONE	490,456	0	0
Charles Schwab Investment Management Inc	US AGGREGATE B	808524839	5,221	112	SH		DFND	NONE	112	0	0
Charles Schwab Investment Management Inc	US AGGREGATE B	808524839	1,765,439	37,869	SH		SOLE	NONE	37,869	0	0
Charles Schwab Investment Management Inc	INT-TRM U.S TRES	808524854	1,492	30	SH		DFND	NONE	30	0	0
Charles Schwab Investment Management Inc	INT-TRM U.S TRES	808524854	1,163,895	23,409	SH		SOLE	NONE	23,409	0	0
Chart Industries Inc	COM	16115Q308	273	2	SH		DFND	NONE	2	0	0
Charter Communications Inc	CL A	16119P108	1,166	3	SH		SOLE	NONE	3	0	0
Chemours Co/The	COM	163851108	1,104	35	SH		DFND	NONE	35	0	0
Chevron Corp	COM	166764100	127,532	855	SH		DFND	NONE	855	0	0
Chevron Corp	COM	166764100	2,555,111	17,130	SH		SOLE	NONE	17,130	0	0
Church & Dwight Co Inc	COM	171340102	78,296	828	SH		SOLE	NONE	828	0	0
Cigna Group/The	COM	125523100	7,486	25	SH		SOLE	NONE	25	0	0
Cincinnati Financial Corp	COM	172062101	31,038	300	SH		SOLE	NONE	300	0	0
Citigroup Inc	COM NEW	172967424	15,432	300	SH		DFND	NONE	300	0	0
Citigroup Inc	COM NEW	172967424	20,988	408	SH		SOLE	NONE	408	0	0
Clorox Co/The	COM	189054109	22,814	160	SH		DFND	NONE	160	0	0
Clorox Co/The	COM	189054109	317,833	2,229	SH		SOLE	NONE	2,229	0	0
Coca-Cola Co/The	COM	191216100	43,667	741	SH		DFND	NONE	741	0	0
Coca-Cola Co/The	COM	191216100	557,714	9,464	SH		SOLE	NONE	9,464	0	0
Cognition Therapeutics Inc	COM	19243B102	44,435	24,019	SH		SOLE	NONE	24,019	0	0
Coherent Corp	COM	19247G107	87,844	2,018	SH		DFND	NONE	2,018	0	0
Coherent Corp	COM	19247G107	1,300,851	29,884	SH		SOLE	NONE	29,884	0	0
Comcast Corp	CL A	20030N101	12,190	278	SH		DFND	NONE	278	0	0
Comcast Corp	CL A	20030N101	1,042,534	23,775	SH		SOLE	NONE	23,775	0	0
Conduent Inc	COM	206787103	234	64	SH		SOLE	NONE	64	0	0
Consolidated Edison Inc	COM	209115104	72,412	796	SH		DFND	NONE	796	0	0
Consolidated Edison Inc	COM	209115104	1,266,120	13,918	SH		SOLE	NONE	13,918	0	0
Constellation Brands Inc	CL A	21036P108	101,293	419	SH		DFND	NONE	419	0	0
Constellation Brands Inc	CL A	21036P108	2,145,290	8,874	SH		SOLE	NONE	8,874	0	0
Corteva Inc	COM	22052L104	3,642	76	SH		DFND	NONE	76	0	0
Corteva Inc	COM	22052L104	29,615	618	SH		SOLE	NONE	618	0	0
Costco Wholesale Corp	COM	22160K105	806,618	1,222	SH		SOLE	NONE	1,222	0	0
Crown Castle Inc	COM	22822V101	2,880	25	SH		SOLE	NONE	25	0	0
CyberArk Software Ltd	SHS	M2682V108	134,497	614	SH		SOLE	NONE	614	0	0
DEERE & CO	COM	244199105	239,922	600	SH		DFND	NONE	600	0	0
DEERE & CO	COM	244199105	585,010	1,463	SH		SOLE	NONE	1,463	0	0
DENTSPLY SIRONA	COM	24906P109	9,182	258	SH		SOLE	NONE	258	0	0
DIAGEO	SPON ADR NEW	25243Q205	30,734	211	SH		DFND	NONE	211	0	0
DIAGEO	SPON ADR NEW	25243Q205	786,127	5,397	SH		SOLE	NONE	5,397	0	0
DISCOVER FINL SVCS	COM	254709108	6,407	57	SH		SOLE	NONE	57	0	0
DOMINION RES(VIR)	COM	25746U109	23,782	506	SH		SOLE	NONE	506	0	0
DUKE ENERGY CORP	COM NEW	26441C204	86,463	891	SH		DFND	NONE	891	0	0
DUKE ENERGY CORP	COM NEW	26441C204	51,043	526	SH		SOLE	NONE	526	0	0
Danaher Corp	COM	235851102	354,876	1,534	SH		SOLE	NONE	1,534	0	0
Danaher Corp	None	92338C103	38,909	473	SH		SOLE	NONE	473	0	0
Darden Restaurants Inc	COM	237194105	9,858	60	SH		SOLE	NONE	60	0	0
Dell Technologies Inc	CL C	24703L202	11,322	148	SH		SOLE	NONE	148	0	0
Digital Realty Trust Inc	COM	253868103	11,170	83	SH		SOLE	NONE	83	0	0
Dimensional ETF Trust	EMGR CRE EQT MNG	25434V302	169	7	SH		SOLE	NONE	7	0	0
Donaldson Co Inc	COM	257651109	108,089	1,654	SH		SOLE	NONE	1,654	0	0
Dover Corp	COM	260003108	46,143	300	SH		SOLE	NONE	300	0	0
Dow Inc	COM	260557103	11,571	211	SH		DFND	NONE	211	0	0
Dow Inc	COM	260557103	44,311	808	SH		SOLE	NONE	808	0	0
DuPont de Nemours Inc	COM	26614N102	14,232	185	SH		DFND	NONE	185	0	0
DuPont de Nemours Inc	COM	26614N102	53,236	692	SH		SOLE	NONE	692	0	0
EBAY INC	COM	278642103	5,322	122	SH		DFND	NONE	122	0	0
ECOLAB INC	COM	278865100	49,389	249	SH		SOLE	NONE	249	0	0
EMERSON ELECTRIC	COM	291011104	111,638	1,147	SH		DFND	NONE	1,147	0	0
EMERSON ELECTRIC	COM	291011104	1,144,698	11,761	SH		SOLE	NONE	11,761	0	0
ENBRIDGE INC	COM	29250N105	141,739	3,935	SH		DFND	NONE	3,935	0	0
ENBRIDGE INC	COM	29250N105	1,831,797	50,855	SH		SOLE	NONE	50,855	0	0
EXELON CORP	COM	30161N101	7,180	200	SH		DFND	NONE	200	0	0
Eaton Corp PLC	SHS	G29183103	470,081	1,952	SH		SOLE	NONE	1,952	0	0
Edwards Lifesciences Corp	COM	28176E108	54,061	709	SH		SOLE	NONE	709	0	0
Elevance Health Inc	COM	036752103	157,029	333	SH		DFND	NONE	333	0	0
Elevance Health Inc	COM	036752103	2,378,077	5,043	SH		SOLE	NONE	5,043	0	0
Eli Lilly & Co	COM	532457108	472,165	810	SH		DFND	NONE	810	0	0
Eli Lilly & Co	COM	532457108	1,494,024	2,563	SH		SOLE	NONE	2,563	0	0
Embecta Corp	COMMON STOCK	29082K105	757	40	SH		DFND	NONE	40	0	0
Embecta Corp	COMMON STOCK	29082K105	530	28	SH		SOLE	NONE	28	0	0
Enterprise Products Partners L	COM	293792107	5,059	192	SH		SOLE	NONE	192	0	0
Essex Property Trust Inc	COM	297178105	10,413	42	SH		SOLE	NONE	42	0	0
Eversource Energy	COM	30040W108	37,279	604	SH		SOLE	NONE	604	0	0
Exxon Mobil Corp	COM	30231G102	1,078,184	10,784	SH		DFND	NONE	10,784	0	0
Exxon Mobil Corp	COM	30231G102	1,519,203	15,195	SH		SOLE	NONE	15,195	0	0
FACEBOOK INC	CL A	30303M102	86,720	245	SH		DFND	NONE	245	0	0
FACEBOOK INC	CL A	30303M102	431,831	1,220	SH		SOLE	NONE	1,220	0	0
FEDEX CORP	COM	31428X106	65,519	259	SH		DFND	NONE	259	0	0
FEDEX CORP	COM	31428X106	1,995,680	7,889	SH		SOLE	NONE	7,889	0	0
FISERV INC	COM	337738108	1,328	10	SH		SOLE	NONE	10	0	0
FORD MOTOR CO	COM	345370860	23,685	1,943	SH		SOLE	NONE	1,943	0	0
FREEPORT-MCMOR C&G	CL B	35671D857	10,643	250	SH		SOLE	NONE	250	0	0
FTI Consulting Inc	COM	302941109	45,008	226	SH		DFND	NONE	226	0	0
FTI Consulting Inc	COM	302941109	1,428,702	7,174	SH		SOLE	NONE	7,174	0	0
Fastenal Co	COM	311900104	60,236	930	SH		SOLE	NONE	930	0	0
Fidelity Management & Research Co LLC	TOTAL BD ETF	316188309	2,197,351	47,727	SH		DFND	NONE	47,727	0	0
First Bancorp Inc/The	COM	31866P102	231,404	8,200	SH		DFND	NONE	8,200	0	0
First Bancorp Inc/The	COM	31866P102	4,177	148	SH		SOLE	NONE	148	0	0
First Trust Advisors LP	NASDAQ CYB ETF	33734X846	59,224	1,100	SH		SOLE	NONE	1,100	0	0
First Trust Advisors LP	NO AMER ENERGY	33738D101	13,845	500	SH		SOLE	NONE	500	0	0
First Trust Advisors LP	PFD SECS INC ETF	33739E108	1,029,387	61,055	SH		DFND	NONE	61,055	0	0
Fortinet Inc	COM	34959E109	1,399,335	23,908	SH		SOLE	NONE	23,908	0	0
Fortive Corp	COM	34959J108	59,419	807	SH		SOLE	NONE	807	0	0
Fortune Brands Innovations Inc	COM	34964C106	22,842	300	SH		SOLE	NONE	300	0	0
Franklin Electric Co Inc	COM	353514102	4,736	49	SH		SOLE	NONE	49	0	0
GE HealthCare Technologies Inc	COMMON STOCK	36266G107	6,031	78	SH		DFND	NONE	78	0	0
GE HealthCare Technologies Inc	COMMON STOCK	36266G107	48,093	622	SH		SOLE	NONE	622	0	0
GEN DYNAMICS CORP	COM	369550108	75,304	290	SH		DFND	NONE	290	0	0
GEN DYNAMICS CORP	COM	369550108	1,475,185	5,681	SH		SOLE	NONE	5,681	0	0
GENERAL MILLS INC	COM	370334104	137,120	2,105	SH		SOLE	NONE	2,105	0	0
GSK PLC	SPONSORED ADR	37733W204	9,599	259	SH		DFND	NONE	259	0	0
GSK PLC	SPONSORED ADR	37733W204	18,196	491	SH		SOLE	NONE	491	0	0
Garmin Ltd	SHS	H2906T109	14,139	110	SH		SOLE	NONE	110	0	0
Generac Holdings Inc	COM	368736104	138,804	1,074	SH		DFND	NONE	1,074	0	0
Generac Holdings Inc	COM	368736104	2,408,258	18,634	SH		SOLE	NONE	18,634	0	0
General Electric Co	COM NEW	369604301	30,376	238	SH		DFND	NONE	238	0	0
General Electric Co	COM NEW	369604301	238,796	1,871	SH		SOLE	NONE	1,871	0	0
Genuine Parts Co	COM	372460105	75,483	545	SH		DFND	NONE	545	0	0
Genuine Parts Co	COM	372460105	1,026,008	7,408	SH		SOLE	NONE	7,408	0	0
Global Payments Inc	COM	37940X102	8,890	70	SH		SOLE	NONE	70	0	0
Global X ETFs/USA	S&P 500 COVERED	37954Y475	1,611,597	40,862	SH		DFND	NONE	40,862	0	0
Global X ETFs/USA	LITHIUM BTRY ETF	37954Y855	6,056	119	SH		SOLE	NONE	119	0	0
Globe Life Inc	COM	37959E102	1,217	10	SH		DFND	NONE	10	0	0
Globe Life Inc	COM	37959E102	119,529	982	SH		SOLE	NONE	982	0	0
HALLIBURTON	COM	406216101	8,098	224	SH		DFND	NONE	224	0	0
HANESBRANDS INC	COM	410345102	19,700	4,417	SH		SOLE	NONE	4,417	0	0
HASBRO INC	COM	418056107	9,701	190	SH		DFND	NONE	190	0	0
HASBRO INC	COM	418056107	22,824	447	SH		SOLE	NONE	447	0	0
HCA Healthcare Inc	COM	40412C101	10,827	40	SH		SOLE	NONE	40	0	0
HERSHEY CO (THE)	COM	427866108	30,203	162	SH		SOLE	NONE	162	0	0
Haleon PLC	SPON ADS	405552100	99	12	SH		DFND	NONE	12	0	0
Hess Corp	COM	42809H107	24,796	172	SH		SOLE	NONE	172	0	0
Home Depot Inc/The	COM	437076102	274,814	793	SH		DFND	NONE	793	0	0
Home Depot Inc/The	COM	437076102	965,835	2,787	SH		SOLE	NONE	2,787	0	0
Honeywell International Inc	COM	438516106	399,707	1,906	SH		DFND	NONE	1,906	0	0
Honeywell International Inc	COM	438516106	276,817	1,320	SH		SOLE	NONE	1,320	0	0
Huntington Ingalls Industries	COM	446413106	26,483	102	SH		DFND	NONE	102	0	0
Huntington Ingalls Industries	COM	446413106	1,054,398	4,061	SH		SOLE	NONE	4,061	0	0
ICON PLC	SHS	G4705A100	70,484	249	SH		DFND	NONE	249	0	0
ICON PLC	SHS	G4705A100	2,068,109	7,306	SH		SOLE	NONE	7,306	0	0
IDEXX Laboratories Inc	COM	45168D104	889,745	1,603	SH		SOLE	NONE	1,603	0	0
ILLINOIS TOOL WKS	COM	452308109	104,776	400	SH		DFND	NONE	400	0	0
ILLINOIS TOOL WKS	COM	452308109	73,081	279	SH		SOLE	NONE	279	0	0
INTERCONTINENTAL EXCHANGE	COM	45866F104	57,280	446	SH		DFND	NONE	446	0	0
INTERCONTINENTAL EXCHANGE	COM	45866F104	1,808,423	14,081	SH		SOLE	NONE	14,081	0	0
INTL BUSINESS MCHN	COM	459200101	857,493	5,243	SH		DFND	NONE	5,243	0	0
INTL BUSINESS MCHN	COM	459200101	2,028,838	12,405	SH		SOLE	NONE	12,405	0	0
IPATH ETNS/USA	DJUBS CMDT ETN36	06738C778	10,515	346	SH		DFND	NONE	346	0	0
IPATH ETNS/USA	DJUBS CMDT ETN36	06738C778	248,621	8,181	SH		SOLE	NONE	8,181	0	0
IQVIA Holdings Inc	COM	46266C105	9,255	40	SH		SOLE	NONE	40	0	0
ISHARES	SELECT DIVID ETF	464287168	427,970	3,651	SH		SOLE	NONE	3,651	0	0
ISHARES	CORE S&P500 ETF	464287200	3,887,908	8,140	SH		DFND	NONE	8,140	0	0
ISHARES	CORE S&P500 ETF	464287200	134,559,356	281,723	SH		SOLE	NONE	281,723	0	0
ISHARES	IBOXX INV CP ETF	464287242	21,357	193	SH		SOLE	NONE	193	0	0
ISHARES	S&P 500 GRWT ETF	464287309	117,907	1,570	SH		SOLE	NONE	1,570	0	0
ISHARES	LATN AMER 40 ETF	464287390	31,966	1,100	SH		SOLE	NONE	1,100	0	0
ISHARES	S&P 500 VAL ETF	464287408	298,917	1,719	SH		SOLE	NONE	1,719	0	0
ISHARES	ISHARES BIOTECH	464287556	1,223	9	SH		DFND	NONE	9	0	0
ISHARES	ISHARES BIOTECH	464287556	339,353	2,498	SH		SOLE	NONE	2,498	0	0
ISHARES	RUSSELL 2000 ETF	464287655	378,138	1,884	SH		SOLE	NONE	1,884	0	0
ISHARES	SP SMCP600VL ETF	464287879	1,041,007	10,100	SH		SOLE	NONE	10,100	0	0
ISHARES	EAFE VALUE ETF	464288877	834	16	SH		SOLE	NONE	16	0	0
ISHARES	CORE MSCI EAFE	46432F842	1,261,657	17,934	SH		DFND	NONE	17,934	0	0
ISHARES	CORE MSCI EAFE	46432F842	47,122,048	669,823	SH		SOLE	NONE	669,823	0	0
ISHARES ETFS/USA	ESG AW MSCI EAFE	46435G516	280,782	3,717	SH		SOLE	NONE	3,717	0	0
ISHARES TR	MSCI EMG MKT ETF	464287234	13,470	335	SH		SOLE	NONE	335	0	0
ISHARES TR	MSCI EAFE MIN VL	46429B689	6,865	99	SH		SOLE	NONE	99	0	0
ISHARES TRUST	TIPS BD ETF	464287176	17,628	164	SH		DFND	NONE	164	0	0
ISHARES TRUST	TIPS BD ETF	464287176	140,167	1,304	SH		SOLE	NONE	1,304	0	0
ISHARES TRUST	1 3 YR TREAS BD	464287457	31,667	386	SH		SOLE	NONE	386	0	0
ISHARES TRUST	RUS 1000 VAL ETF	464287598	23,961	145	SH		SOLE	NONE	145	0	0
ISHARES TRUST	GL CLEAN ENE ETF	464288224	184,442	11,846	SH		SOLE	NONE	11,846	0	0
ISHARES TRUST	IBOXX HI YD ETF	464288513	201,833	2,608	SH		DFND	NONE	2,608	0	0
ISHARES TRUST	IBOXX HI YD ETF	464288513	10,138	131	SH		SOLE	NONE	131	0	0
ISHARES TRUST	CORE HIGH DV ETF	46429B663	14,075	138	SH		SOLE	NONE	138	0	0
ISHARES/USA	RUS 1000 GRW ETF	464287614	303	1	SH		SOLE	NONE	1	0	0
ISHARES/USA	S&P SML 600 GWT	464287887	406,705	3,250	SH		SOLE	NONE	3,250	0	0
ISHARES/USA	NATIONAL MUN ETF	464288414	145,269	1,340	SH		DFND	NONE	1,340	0	0
ISHARES/USA	NATIONAL MUN ETF	464288414	865,437	7,983	SH		SOLE	NONE	7,983	0	0
Illumina Inc	COM	452327109	98,025	704	SH		DFND	NONE	704	0	0
Illumina Inc	COM	452327109	565,871	4,064	SH		SOLE	NONE	4,064	0	0
Indaptus Therapeutics Inc	COM	45339J105	704	400	SH		SOLE	NONE	400	0	0
Ingersoll Rand Inc	COM	45687V106	61,021	789	SH		SOLE	NONE	789	0	0
Intel Corp	COM	458140100	139,193	2,770	SH		DFND	NONE	2,770	0	0
Intel Corp	COM	458140100	2,766,011	55,045	SH		SOLE	NONE	55,045	0	0
International Paper Co	COM	460146103	10,845	300	SH		SOLE	NONE	300	0	0
Intuit Inc	COM	461202103	33,752	54	SH		SOLE	NONE	54	0	0
Invesco Capital Management LLC	WATER RES ETF	46137V142	129,510	2,128	SH		SOLE	NONE	2,128	0	0
Invesco Capital Management LLC	S&P500 EQL WGT	46137V357	527,683	3,344	SH		SOLE	NONE	3,344	0	0
Invesco Capital Management LLC	HIG YLD EQ DIV	46137V563	101,705	4,811	SH		SOLE	NONE	4,811	0	0
Invesco Capital Management LLC	S&P500 LOW VOL	46138E354	3,634	58	SH		SOLE	NONE	58	0	0
Invesco Capital Management LLC	PFD ETF	46138E511	74,555	6,500	SH		DFND	NONE	6,500	0	0
Invesco Capital Management LLC	SR LN ETF	46138G508	280,127	13,226	SH		DFND	NONE	13,226	0	0
Invesco Capital Management LLC	SR LN ETF	46138G508	404,263	19,087	SH		SOLE	NONE	19,087	0	0
Invesco Capital Management LLC	TAXABLE MUN BD	46138G805	234,951	8,731	SH		DFND	NONE	8,731	0	0
Invesco Capital Management LLC	TAXABLE MUN BD	46138G805	11,203,685	416,339	SH		SOLE	NONE	416,339	0	0
Invesco ETFs/USA	UNIT SER 1	46090E103	276,426	675	SH		SOLE	NONE	675	0	0
JB Hunt Transport Services Inc	COM	445658107	189,753	950	SH		SOLE	NONE	950	0	0
JPMorgan Chase & Co	COM	46625H100	416,065	2,446	SH		DFND	NONE	2,446	0	0
JPMorgan Chase & Co	COM	46625H100	7,961,531	46,805	SH		SOLE	NONE	46,805	0	0
Johnson & Johnson	COM	478160104	408,935	2,609	SH		DFND	NONE	2,609	0	0
Johnson & Johnson	COM	478160104	3,686,216	23,518	SH		SOLE	NONE	23,518	0	0
KIMBERLY-CLARK CP	COM	494368103	49,819	410	SH		DFND	NONE	410	0	0
KIMBERLY-CLARK CP	COM	494368103	22,479	185	SH		SOLE	NONE	185	0	0
KNIFE RIV HOL CO.	COMMON STOCK	498894104	6,089	92	SH		DFND	NONE	92	0	0
KNIFE RIV HOL CO.	COMMON STOCK	498894104	133,353	2,015	SH		SOLE	NONE	2,015	0	0
KRAFT FOODS INC	CL A	609207105	16,224	224	SH		DFND	NONE	224	0	0
KRAFT FOODS INC	CL A	609207105	158,260	2,185	SH		SOLE	NONE	2,185	0	0
KeyCorp	COM	493267108	43,200	3,000	SH		DFND	NONE	3,000	0	0
KeyCorp	COM	493267108	5,314	369	SH		SOLE	NONE	369	0	0
Krane Funds Advisors LLC	CSI CHI INTERNET	500767306	2,700	100	SH		DFND	NONE	100	0	0
Kyndryl Holdings Inc	COMMON STOCK	50155Q100	1,829	88	SH		SOLE	NONE	88	0	0
L3Harris Technologies Inc	COM	502431109	61,501	292	SH		DFND	NONE	292	0	0
L3Harris Technologies Inc	COM	502431109	74,349	353	SH		SOLE	NONE	353	0	0
LOWE'S COS INC	COM	548661107	266,615	1,198	SH		DFND	NONE	1,198	0	0
LOWE'S COS INC	COM	548661107	2,290,485	10,292	SH		SOLE	NONE	10,292	0	0
Lamb Weston Holdings Inc	COM	513272104	540	5	SH		SOLE	NONE	5	0	0
Lancaster Colony Corp	COM	513847103	24,959	150	SH		SOLE	NONE	150	0	0
Liberty Media Corp	COM	82968B103	27,350	5,000	SH		SOLE	NONE	5,000	0	0
Linde PLC	SHS	G54950103	25,464	62	SH		SOLE	NONE	62	0	0
Lockheed Martin Corp	COM	539830109	618,673	1,365	SH		SOLE	NONE	1,365	0	0
LyondellBasell Industries NV	SHS - A -	N53745100	5,895	62	SH		DFND	NONE	62	0	0
LyondellBasell Industries NV	SHS - A -	N53745100	105,634	1,111	SH		SOLE	NONE	1,111	0	0
M&T Bank Corp	COM	55261F104	626,593	4,571	SH		DFND	NONE	4,571	0	0
M&T Bank Corp	COM	55261F104	168,334	1,228	SH		SOLE	NONE	1,228	0	0
MARSH & MCLENNAN	COM	571748102	758	4	SH		SOLE	NONE	4	0	0
MASTERCARD INC	CL A	57636Q104	70,374	165	SH		SOLE	NONE	165	0	0
MCDONALD'S CORP	COM	580135101	553,288	1,866	SH		DFND	NONE	1,866	0	0
MCDONALD'S CORP	COM	580135101	2,400,545	8,096	SH		SOLE	NONE	8,096	0	0
MDU RES GROUP INC	COM	552690109	9,088	459	SH		DFND	NONE	459	0	0
MDU RES GROUP INC	COM	552690109	166,914	8,430	SH		SOLE	NONE	8,430	0	0
MGE Energy Inc	COM	55277P104	9,762	135	SH		SOLE	NONE	135	0	0
MICROSOFT CORP	COM	594918104	705,451	1,876	SH		DFND	NONE	1,876	0	0
MICROSOFT CORP	COM	594918104	6,115,424	16,263	SH		SOLE	NONE	16,263	0	0
MORGAN STANLEY	COM NEW	617446448	181,838	1,950	SH		DFND	NONE	1,950	0	0
MORGAN STANLEY	COM NEW	617446448	42,802	459	SH		SOLE	NONE	459	0	0
MOTOROLA INC	COM NEW	620076307	7,827	25	SH		SOLE	NONE	25	0	0
MSCI Inc	COM	55354G100	1,131	2	SH		SOLE	NONE	2	0	0
Marathon Petroleum Corp	COM	56585A102	53,410	360	SH		DFND	NONE	360	0	0
Marathon Petroleum Corp	COM	56585A102	36,200	244	SH		SOLE	NONE	244	0	0
Markel Group Inc	COM	570535104	14,199	10	SH		SOLE	NONE	10	0	0
Markforged Holding Corp	COM	57064N102	1,492	1,820	SH		SOLE	NONE	1,820	0	0
Marriott International Inc/MD	CL A	571903202	10,148	45	SH		SOLE	NONE	45	0	0
Marvell Technology Inc	COM	573874104	14,173	235	SH		DFND	NONE	235	0	0
MasTec Inc	COM	576323109	280,694	3,707	SH		SOLE	NONE	3,707	0	0
Medtronic PLC	SHS	G5960L103	7,579	92	SH		DFND	NONE	92	0	0
Medtronic PLC	SHS	G5960L103	865,649	10,508	SH		SOLE	NONE	10,508	0	0
Merck & Co Inc	COM	58933Y105	123,629	1,134	SH		DFND	NONE	1,134	0	0
Merck & Co Inc	COM	58933Y105	596,448	5,471	SH		SOLE	NONE	5,471	0	0
MetLife Inc	COM	59156R108	60,641	917	SH		DFND	NONE	917	0	0
MetLife Inc	COM	59156R108	20,104	304	SH		SOLE	NONE	304	0	0
Methanex Corp	COM	59151K108	142	3	SH		DFND	NONE	3	0	0
Microchip Technology Inc	COM	595017104	6,132	68	SH		SOLE	NONE	68	0	0
Middleby Corp/The	COM	596278101	14,717	100	SH		SOLE	NONE	100	0	0
NETAPP INC	COM	64110D104	28,476	323	SH		DFND	NONE	323	0	0
NETAPP INC	COM	64110D104	1,303,446	14,785	SH		SOLE	NONE	14,785	0	0
NETFLIX INC	COM	64110L106	8,277	17	SH		SOLE	NONE	17	0	0
NEXTERA ENERGY	COM	65339F101	48,592	800	SH		DFND	NONE	800	0	0
NEXTERA ENERGY	COM	65339F101	508,394	8,370	SH		SOLE	NONE	8,370	0	0
NIKE INC	CL B	654106103	151,998	1,400	SH		DFND	NONE	1,400	0	0
NIKE INC	CL B	654106103	66,011	608	SH		SOLE	NONE	608	0	0
NORTHROP GRUMMAN	COM	666807102	46,814	100	SH		DFND	NONE	100	0	0
NORTHROP GRUMMAN	COM	666807102	74,434	159	SH		SOLE	NONE	159	0	0
NOV Inc	COM	62955J103	9,126	450	SH		DFND	NONE	450	0	0
NOW Inc	COM	67011P100	1,268	112	SH		DFND	NONE	112	0	0
NRG Energy Inc	COM NEW	629377508	724	14	SH		SOLE	NONE	14	0	0
NVIDIA Corp	COM	67066G104	26,742	54	SH		SOLE	NONE	54	0	0
NXP Semiconductors NV	COM	N6596X109	1,608	7	SH		DFND	NONE	7	0	0
NXP Semiconductors NV	COM	N6596X109	81,307	354	SH		SOLE	NONE	354	0	0
NY COMMUNITY CAP TRUST V	UNIT 05/07/2051	64944P307	24,906	600	SH		SOLE	NONE	600	0	0
National Amusements Inc	CLASS B COM	92556H206	55,226	3,734	SH		SOLE	NONE	3,734	0	0
Newell Brands Inc	COM	651229106	31,413	3,619	SH		SOLE	NONE	3,619	0	0
Newmont Corp	COM	651639106	71,605	1,730	SH		DFND	NONE	1,730	0	0
Newmont Corp	COM	651639106	1,292,444	31,226	SH		SOLE	NONE	31,226	0	0
NextEra Energy Equity Partners	COM UNIT PART IN	65341B106	4,440	146	SH		SOLE	NONE	146	0	0
Norfolk Southern Corp	COM	655844108	1,182	5	SH		DFND	NONE	5	0	0
Norfolk Southern Corp	COM	655844108	21,038	89	SH		SOLE	NONE	89	0	0
Norwood Financial Corp	COM	669549107	44,381	1,349	SH		SOLE	NONE	1,349	0	0
Novartis AG	SPONSORED ADR	66987V109	22,516	223	SH		DFND	NONE	223	0	0
Novartis AG	SPONSORED ADR	66987V109	854,206	8,460	SH		SOLE	NONE	8,460	0	0
Novo Holdings A/S	ADR	670100205	113,588	1,098	SH		DFND	NONE	1,098	0	0
Novo Holdings A/S	ADR	670100205	1,802,306	17,422	SH		SOLE	NONE	17,422	0	0
Nucor Corp	COM	670346105	14,619	84	SH		DFND	NONE	84	0	0
Nucor Corp	COM	670346105	240,001	1,379	SH		SOLE	NONE	1,379	0	0
OCCIDENTAL PETROLEUM CORP	*W EXP 08/03/202	674599162	1,628	43	SH		SOLE	NONE	43	0	0
OMNICOM GROUP INC	COM	681919106	26,386	305	SH		SOLE	NONE	305	0	0
ORACLE CORP	COM	68389X105	248,393	2,356	SH		SOLE	NONE	2,356	0	0
OSHKOSH CORP	COM	688239201	13,334	123	SH		SOLE	NONE	123	0	0
Occidental Petroleum Corp	COM	674599105	179	3	SH		DFND	NONE	3	0	0
Occidental Petroleum Corp	COM	674599105	6,926	116	SH		SOLE	NONE	116	0	0
Okta Inc	CL A	679295105	18,378	203	SH		SOLE	NONE	203	0	0
Omega Healthcare Investors Inc	COM	681936100	15,330	500	SH		SOLE	NONE	500	0	0
Organon & Co	COMMON STOCK	68622V106	2,653	184	SH		SOLE	NONE	184	0	0
Orion Office REIT Inc	COM	68629Y103	200	35	SH		SOLE	NONE	35	0	0
Otis Worldwide Corp	COM	68902V107	48,224	539	SH		DFND	NONE	539	0	0
Otis Worldwide Corp	COM	68902V107	85,891	960	SH		SOLE	NONE	960	0	0
Owens Corning	COM	690742101	5,929	40	SH		SOLE	NONE	40	0	0
PARKER-HANNIFIN	COM	701094104	5,989	13	SH		SOLE	NONE	13	0	0
PEPSICO INC	COM	713448108	520,899	3,067	SH		DFND	NONE	3,067	0	0
PEPSICO INC	COM	713448108	3,850,103	22,669	SH		SOLE	NONE	22,669	0	0
PHILIP MORRIS INTL	COM	718172109	326,175	3,467	SH		DFND	NONE	3,467	0	0
PHILIP MORRIS INTL	COM	718172109	143,754	1,528	SH		SOLE	NONE	1,528	0	0
PNC Financial Services Group I	COM	693475105	25,086	162	SH		DFND	NONE	162	0	0
PNC Financial Services Group I	COM	693475105	863,289	5,575	SH		SOLE	NONE	5,575	0	0
PPG Industries Inc	COM	693506107	3,290	22	SH		SOLE	NONE	22	0	0
PPL CORP	COM	69351T106	17,236	636	SH		DFND	NONE	636	0	0
PPL CORP	COM	69351T106	638,015	23,543	SH		SOLE	NONE	23,543	0	0
PRUDENTIAL FINL	COM	744320102	26,653	257	SH		DFND	NONE	257	0	0
PRUDENTIAL FINL	COM	744320102	1,073,399	10,350	SH		SOLE	NONE	10,350	0	0
Pacific Investment Management Co LLC	INV GRD CRP BD	72201R817	292	3	SH		DFND	NONE	3	0	0
Pacific Investment Management Co LLC	INV GRD CRP BD	72201R817	48,533	499	SH		SOLE	NONE	499	0	0
Packaging Corp of America	COM	695156109	21,504	132	SH		DFND	NONE	132	0	0
Packaging Corp of America	COM	695156109	817,645	5,019	SH		SOLE	NONE	5,019	0	0
Palantir Technologies Inc	CL A	69608A108	4,378	255	SH		DFND	NONE	255	0	0
Palo Alto Networks Inc	COM	697435105	1,372,666	4,655	SH		SOLE	NONE	4,655	0	0
PayPal Holdings Inc	COM	70450Y103	7,492	122	SH		DFND	NONE	122	0	0
PayPal Holdings Inc	COM	70450Y103	52,321	852	SH		SOLE	NONE	852	0	0
Paychex Inc	COM	704326107	25,490	214	SH		DFND	NONE	214	0	0
Paychex Inc	COM	704326107	1,148,220	9,640	SH		SOLE	NONE	9,640	0	0
Pfizer Inc	COM	717081103	138,451	4,809	SH		DFND	NONE	4,809	0	0
Pfizer Inc	COM	717081103	1,310,751	45,528	SH		SOLE	NONE	45,528	0	0
Pfizer Inc	CL A	98978V103	1,776	9	SH		SOLE	NONE	9	0	0
Phillips 66	COM	718546104	89,470	672	SH		DFND	NONE	672	0	0
Phillips 66	COM	718546104	1,560,933	11,724	SH		SOLE	NONE	11,724	0	0
Polaris Inc	COM	731068102	19,238	203	SH		SOLE	NONE	203	0	0
Procter & Gamble Co/The	COM	742718109	230,654	1,574	SH		DFND	NONE	1,574	0	0
Procter & Gamble Co/The	COM	742718109	725,666	4,952	SH		SOLE	NONE	4,952	0	0
Prologis Inc	COM	74340W103	52,654	395	SH		SOLE	NONE	395	0	0
Public Storage	COM	74460D109	67,405	221	SH		DFND	NONE	221	0	0
Public Storage	COM	74460D109	1,553,975	5,095	SH		SOLE	NONE	5,095	0	0
QUALCOMM Inc	COM	747525103	194,238	1,343	SH		DFND	NONE	1,343	0	0
QUALCOMM Inc	COM	747525103	1,160,366	8,023	SH		SOLE	NONE	8,023	0	0
Quanta Services Inc	COM	74762E102	11,869	55	SH		SOLE	NONE	55	0	0
Quest Diagnostics Inc	COM	74834L100	2,758	20	SH		SOLE	NONE	20	0	0
REALTY INCOME CORP	COM	756109104	71,316	1,242	SH		DFND	NONE	1,242	0	0
REALTY INCOME CORP	COM	756109104	20,097	350	SH		SOLE	NONE	350	0	0
REGENERON PHARMACEUTICALS	COM	75886F107	878,290	1,000	SH		SOLE	NONE	1,000	0	0
RPM INTERNATIONAL	COM	749685103	19,870	178	SH		DFND	NONE	178	0	0
RTX Corp	COM	75513E101	270,426	3,214	SH		DFND	NONE	3,214	0	0
RTX Corp	COM	75513E101	2,059,831	24,481	SH		SOLE	NONE	24,481	0	0
Regions Financial Corp	COM	7591EP100	41,008	2,116	SH		DFND	NONE	2,116	0	0
Regions Financial Corp	COM	7591EP100	849,542	43,836	SH		SOLE	NONE	43,836	0	0
Rivian Automotive Inc	COM CL A	76954A103	3,988	170	SH		SOLE	NONE	170	0	0
S&P Global Inc	COM	78409V104	38,766	88	SH		SOLE	NONE	88	0	0
SALESFORCE.COM INC	COM	79466L302	86,047	327	SH		DFND	NONE	327	0	0
SALESFORCE.COM INC	COM	79466L302	2,154,064	8,186	SH		SOLE	NONE	8,186	0	0
SELECT SECTOR SPDR	SBI MATERIALS	81369Y100	770	9	SH		DFND	NONE	9	0	0
SELECT SECTOR SPDR	SBI MATERIALS	81369Y100	141,227	1,651	SH		SOLE	NONE	1,651	0	0
SELECT SECTOR SPDR	SBI HEALTHCARE	81369Y209	61,235	449	SH		SOLE	NONE	449	0	0
SELECT SECTOR SPDR	SBI CONS STPLS	81369Y308	49,701	690	SH		SOLE	NONE	690	0	0
SELECT SECTOR SPDR	SBI CONS DISCR	81369Y407	1,967	11	SH		DFND	NONE	11	0	0
SELECT SECTOR SPDR	SBI CONS DISCR	81369Y407	1,260,968	7,052	SH		SOLE	NONE	7,052	0	0
SELECT SECTOR SPDR	ENERGY	81369Y506	23,056	275	SH		DFND	NONE	275	0	0
SELECT SECTOR SPDR	ENERGY	81369Y506	55,921	667	SH		SOLE	NONE	667	0	0
SELECT SECTOR SPDR	FINANCIAL	81369Y605	218,644	5,815	SH		SOLE	NONE	5,815	0	0
SELECT SECTOR SPDR	TECHNOLOGY	81369Y803	190,170	988	SH		DFND	NONE	988	0	0
SELECT SECTOR SPDR	TECHNOLOGY	81369Y803	1,719,231	8,932	SH		SOLE	NONE	8,932	0	0
SELECT SECTOR SPDR	SBI INT-UTILS	81369Y886	18,366	290	SH		DFND	NONE	290	0	0
SELECT SECTOR SPDR	SBI INT-UTILS	81369Y886	415,255	6,557	SH		SOLE	NONE	6,557	0	0
SEMPRA ENERGY	COM	816851109	7,473	100	SH		DFND	NONE	100	0	0
SEMPRA ENERGY	COM	816851109	34,525	462	SH		SOLE	NONE	462	0	0
SHOPIFY INC	CL A	82509L107	11,841	152	SH		SOLE	NONE	152	0	0
SMUCKER(JM)CO	COM NEW	832696405	76,334	604	SH		SOLE	NONE	604	0	0
SOUTHWEST AIRLINES	COM	844741108	2,888	100	SH		SOLE	NONE	100	0	0
SPDR DOW JONES IND	UT SER 1	78467X109	79,143	210	SH		DFND	NONE	210	0	0
SPDR GOLD TRUST	GOLD SHS	78463V107	127,128	665	SH		SOLE	NONE	665	0	0
SPDR SERIES TRUST	S&P 600 SMCP VAL	78464A300	373,812	4,487	SH		SOLE	NONE	4,487	0	0
SPDR SERIES TRUST	BBG CONV SEC ETF	78464A359	11,039	153	SH		SOLE	NONE	153	0	0
SSGA FUNDS MANAGEMENT INC	PORTFOLIO INTRMD	78464A375	17,039	519	SH		SOLE	NONE	519	0	0
SSGA Funds Management	S&P METALS MNG	78464A755	5,983	100	SH		SOLE	NONE	100	0	0
SSGA Funds Management Inc	S&P DIVID ETF	78464A763	160,337	1,283	SH		DFND	NONE	1,283	0	0
SSGA Funds Management Inc	S&P DIVID ETF	78464A763	59,486	476	SH		SOLE	NONE	476	0	0
SSgA Funds Management Inc	ICE PFD SEC ETF	78464A292	12,067	360	SH		SOLE	NONE	360	0	0
SSgA Funds Management Inc	PRTFLO S&P500 GW	78464A409	6,571	101	SH		SOLE	NONE	101	0	0
SSgA Funds Management Inc	S&P BIOTECH	78464A870	17,858	200	SH		SOLE	NONE	200	0	0
SSgA Funds Management Inc	NUVEEN BLMBRG SH	78468R739	23,752	497	SH		SOLE	NONE	497	0	0
SSgA Funds Management Inc	COMMUNICATION	81369Y852	79,926	1,100	SH		SOLE	NONE	1,100	0	0
STARBUCKS CORP	COM	855244109	39,940	416	SH		SOLE	NONE	416	0	0
STATE STREET ETF/USA	UTSER1 S&PDCRP	78467Y107	181,642	358	SH		SOLE	NONE	358	0	0
Schlumberger NV	COM STK	806857108	20,816	400	SH		DFND	NONE	400	0	0
Schlumberger NV	COM STK	806857108	20,816	400	SH		SOLE	NONE	400	0	0
Schwab ETFs/USA	SCHWB FDT EMK LG	808524730	612,170	22,556	SH		SOLE	NONE	22,556	0	0
Schwab ETFs/USA	US REIT ETF	808524847	22,450	1,084	SH		DFND	NONE	1,084	0	0
Schwab ETFs/USA	US REIT ETF	808524847	795,264	38,400	SH		SOLE	NONE	38,400	0	0
Schwab ETFs/USA	SHT TM US TRES	808524862	639,685	13,203	SH		DFND	NONE	13,203	0	0
Schwab ETFs/USA	SHT TM US TRES	808524862	35,773,065	738,350	SH		SOLE	NONE	738,350	0	0
Seagate Technology Holdings PL	ORD SHS	G7997R103	40,551	475	SH		DFND	NONE	475	0	0
Seagate Technology Holdings PL	ORD SHS	G7997R103	560,113	6,561	SH		SOLE	NONE	6,561	0	0
Skechers USA Inc	CL A	830566105	5,922	95	SH		SOLE	NONE	95	0	0
Snowflake Inc	CL A	833445109	68,456	344	SH		DFND	NONE	344	0	0
Snowflake Inc	CL A	833445109	2,066,018	10,382	SH		SOLE	NONE	10,382	0	0
Southern Co/The	COM	842587107	50,767	724	SH		DFND	NONE	724	0	0
Southern Co/The	COM	842587107	781,487	11,145	SH		SOLE	NONE	11,145	0	0
State Street Corp	COM	857477103	23,470	303	SH		DFND	NONE	303	0	0
State Street Corp	COM	857477103	60,186	777	SH		SOLE	NONE	777	0	0
State Street ETF/USA	TR UNIT	78462F103	550,884	1,159	SH		DFND	NONE	1,159	0	0
State Street ETF/USA	TR UNIT	78462F103	1,429,257	3,007	SH		SOLE	NONE	3,007	0	0
State Street Global Advisors Inc	INDL	81369Y704	50,042	439	SH		SOLE	NONE	439	0	0
State Street Global Advisors Inc	RL EST SEL SEC	81369Y860	3,605	90	SH		DFND	NONE	90	0	0
State Street Global Advisors Inc	RL EST SEL SEC	81369Y860	174,982	4,368	SH		SOLE	NONE	4,368	0	0
Stratasys Ltd	SHS	M85548101	29	2	SH		DFND	NONE	2	0	0
Stryker Corp	COM	863667101	228,787	764	SH		DFND	NONE	764	0	0
Stryker Corp	COM	863667101	1,966,254	6,566	SH		SOLE	NONE	6,566	0	0
Sysco Corp	COM	871829107	9,946	136	SH		DFND	NONE	136	0	0
Sysco Corp	COM	871829107	121,176	1,657	SH		SOLE	NONE	1,657	0	0
T Rowe Price Group Inc	COM	74144T108	37,692	350	SH		DFND	NONE	350	0	0
TC Energy Corp	COM	87807B107	1,368	35	SH		SOLE	NONE	35	0	0
TE Connectivity Ltd	SHS	H84989104	26,836	191	SH		SOLE	NONE	191	0	0
TEXAS INSTRUMENTS	COM	882508104	34,092	200	SH		DFND	NONE	200	0	0
TEXAS INSTRUMENTS	COM	882508104	87,616	514	SH		SOLE	NONE	514	0	0
TJX Cos Inc/The	COM	872540109	133,398	1,422	SH		SOLE	NONE	1,422	0	0
TORONTO-DOMINION	COM NEW	891160509	152,762	2,364	SH		SOLE	NONE	2,364	0	0
TOYOTA MOTOR CORP	ADS	892331307	38,326	209	SH		SOLE	NONE	209	0	0
TRACTOR SUPPLY CO	COM	892356106	37,630	175	SH		DFND	NONE	175	0	0
TRACTOR SUPPLY CO	COM	892356106	857,755	3,989	SH		SOLE	NONE	3,989	0	0
TRAVELERS CO INC	COM	89417E109	161,536	848	SH		SOLE	NONE	848	0	0
Takeda Pharmaceutical Co Ltd	SPONSORED ADS	874060205	2,654	186	SH		DFND	NONE	186	0	0
Target Corp	COM	87612E106	155,950	1,095	SH		SOLE	NONE	1,095	0	0
Teladoc Health Inc	COM	87918A105	862	40	SH		SOLE	NONE	40	0	0
Tellurian Inc	COM	87968A104	9,453	12,511	SH		SOLE	NONE	12,511	0	0
Tesla Inc	COM	88160R101	265,874	1,070	SH		SOLE	NONE	1,070	0	0
Thermo Fisher Scientific Inc	COM	883556102	167,199	315	SH		SOLE	NONE	315	0	0
TotalEnergies SE	SPONSORED ADS	89151E109	80,856	1,200	SH		SOLE	NONE	1,200	0	0
Tradeweb Markets Inc	CL A	892672106	64,525	710	SH		DFND	NONE	710	0	0
Tradeweb Markets Inc	CL A	892672106	2,093,239	23,033	SH		SOLE	NONE	23,033	0	0
Trane Technologies PLC	SHS	G8994E103	269,266	1,104	SH		SOLE	NONE	1,104	0	0
Trimble Inc	COM	896239100	10,640	200	SH		SOLE	NONE	200	0	0
Truist Financial Corp	COM	89832Q109	11,667	316	SH		SOLE	NONE	316	0	0
Tyler Technologies Inc	COM	902252105	28,850	69	SH		SOLE	NONE	69	0	0
Tyson Foods Inc	CL A	902494103	12,040	224	SH		DFND	NONE	224	0	0
Tyson Foods Inc	CL A	902494103	718,261	13,363	SH		SOLE	NONE	13,363	0	0
US Bancorp	COM NEW	902973304	21,077	487	SH		SOLE	NONE	487	0	0
UTD PARCEL SERV	CL B	911312106	80,502	512	SH		DFND	NONE	512	0	0
UTD PARCEL SERV	CL B	911312106	755,805	4,807	SH		SOLE	NONE	4,807	0	0
UiPath Inc	CL A	90364P105	97,447	3,923	SH		DFND	NONE	3,923	0	0
UiPath Inc	CL A	90364P105	1,529,051	61,556	SH		SOLE	NONE	61,556	0	0
Ulta Beauty Inc	COM	90384S303	6,370	13	SH		SOLE	NONE	13	0	0
Unilever PLC	SPON ADR NEW	904767704	22,737	469	SH		SOLE	NONE	469	0	0
Union Pacific Corp	COM	907818108	157,197	640	SH		SOLE	NONE	640	0	0
United Rentals Inc	COM	911363109	49,314	86	SH		SOLE	NONE	86	0	0
UnitedHealth Group Inc	COM	91324P102	633,343	1,203	SH		SOLE	NONE	1,203	0	0
Unum Group	COM	91529Y106	30,026	664	SH		SOLE	NONE	664	0	0
VANGUARD	S&P 500 ETF SHS	922908363	193,939	444	SH		DFND	NONE	444	0	0
VANGUARD	S&P 500 ETF SHS	922908363	9,697,834	22,202	SH		SOLE	NONE	22,202	0	0
VANGUARD ETF/USA	DIV APP ETF	921908844	26,753	157	SH		SOLE	NONE	157	0	0
VANGUARD ETF/USA	INTERMED TERM	921937819	23,296	305	SH		DFND	NONE	305	0	0
VANGUARD ETF/USA	INTERMED TERM	921937819	2,062	27	SH		SOLE	NONE	27	0	0
VANGUARD ETF/USA	TT WRLD ST ETF	922042742	2,726,320	26,500	SH		SOLE	NONE	26,500	0	0
VANGUARD ETF/USA	FTSE EMR MKT ETF	922042858	552,220	13,436	SH		DFND	NONE	13,436	0	0
VANGUARD ETF/USA	FTSE EMR MKT ETF	922042858	12,395,226	301,587	SH		SOLE	NONE	301,587	0	0
VANGUARD ETF/USA	SHRT TRM CORP BD	92206C409	15,474	200	SH		DFND	NONE	200	0	0
VANGUARD ETF/USA	SHRT TRM CORP BD	92206C409	62,902	813	SH		SOLE	NONE	813	0	0
VANGUARD ETF/USA	INT-TERM CORP	92206C870	7,478	92	SH		SOLE	NONE	92	0	0
VANGUARD ETF/USA	SM CP VAL ETF	922908611	107,982	600	SH		DFND	NONE	600	0	0
VANGUARD ETF/USA	SM CP VAL ETF	922908611	4,767,405	26,490	SH		SOLE	NONE	26,490	0	0
VANGUARD ETF/USA	TOTAL STK MKT	922908769	8,065	34	SH		SOLE	NONE	34	0	0
VANGUARD GROUP	SHORT TRM BOND	921937827	3,081	40	SH		SOLE	NONE	40	0	0
VANGUARD GROUP INC/THE	SHORT TERM TREAS	92206C102	3,033	52	SH		SOLE	NONE	52	0	0
VANGUARD GROUP INC/THE	LG-TERM COR BD	92206C813	752,208	9,385	SH		DFND	NONE	9,385	0	0
VANGUARD WHITEHALL	HIGH DIV YLD	921946406	3,238,051	29,007	SH		DFND	NONE	29,007	0	0
VANGUARD WHITEHALL	HIGH DIV YLD	921946406	4,912	44	SH		SOLE	NONE	44	0	0
VERIZON COMMUN	COM	92343V104	369,988	9,814	SH		DFND	NONE	9,814	0	0
VERIZON COMMUN	COM	92343V104	3,301,728	87,579	SH		SOLE	NONE	87,579	0	0
VIATRIS INC	COM	92556V106	3,249	300	SH		DFND	NONE	300	0	0
VIATRIS INC	COM	92556V106	2,816	260	SH		SOLE	NONE	260	0	0
VISA INC	COM CL A	92826C839	259,569	997	SH		DFND	NONE	997	0	0
VISA INC	COM CL A	92826C839	2,765,185	10,621	SH		SOLE	NONE	10,621	0	0
Valero Energy Corp	COM	91913Y100	15,470	119	SH		DFND	NONE	119	0	0
Valero Energy Corp	COM	91913Y100	560,040	4,308	SH		SOLE	NONE	4,308	0	0
Valley National Bancorp	COM	919794107	2,172	200	SH		DFND	NONE	200	0	0
Vanguard ETF/USA	ESG INTL STK ETF	921910725	24,876	450	SH		SOLE	NONE	450	0	0
Vanguard ETF/USA	MEGA GRWTH IND	921910816	36,331	140	SH		SOLE	NONE	140	0	0
Vanguard ETF/USA	TOTAL BND MRKT	921937835	23,536	320	SH		DFND	NONE	320	0	0
Vanguard ETF/USA	TOTAL BND MRKT	921937835	3,310	45	SH		SOLE	NONE	45	0	0
Vanguard ETF/USA	VAN FTSE DEV MKT	921943858	411,557	8,592	SH		DFND	NONE	8,592	0	0
Vanguard ETF/USA	VAN FTSE DEV MKT	921943858	2,017,788	42,125	SH		SOLE	NONE	42,125	0	0
Vanguard ETF/USA	ALLWRLD EX US	922042775	58,666	1,045	SH		SOLE	NONE	1,045	0	0
Vanguard ETF/USA	CONSUM DIS ETF	92204A108	42,028	138	SH		SOLE	NONE	138	0	0
Vanguard ETF/USA	INTER TERM TREAS	92206C706	1,155,613	19,481	SH		DFND	NONE	19,481	0	0
Vanguard ETF/USA	INTER TERM TREAS	92206C706	71,324,588	1,202,370	SH		SOLE	NONE	1,202,370	0	0
Vanguard ETF/USA	MTG-BKD SECS ETF	92206C771	8,901	192	SH		DFND	NONE	192	0	0
Vanguard ETF/USA	MTG-BKD SECS ETF	92206C771	10,663	230	SH		SOLE	NONE	230	0	0
Vanguard ETF/USA	MCAP VL IDXVIP	922908512	108,758	750	SH		DFND	NONE	750	0	0
Vanguard ETF/USA	MCAP VL IDXVIP	922908512	6,105,936	42,107	SH		SOLE	NONE	42,107	0	0
Vanguard ETF/USA	MCAP GR IDXVIP	922908538	96,611	440	SH		SOLE	NONE	440	0	0
Vanguard ETF/USA	REAL ESTATE ETF	922908553	195,187	2,209	SH		DFND	NONE	2,209	0	0
Vanguard ETF/USA	REAL ESTATE ETF	922908553	2,033,252	23,011	SH		SOLE	NONE	23,011	0	0
Vanguard ETF/USA	SML CP GRW ETF	922908595	51,013	211	SH		SOLE	NONE	211	0	0
Vanguard ETF/USA	MID CAP ETF	922908629	412,936	1,775	SH		DFND	NONE	1,775	0	0
Vanguard ETF/USA	MID CAP ETF	922908629	1,379,788	5,931	SH		SOLE	NONE	5,931	0	0
Vanguard ETF/USA	GROWTH ETF	922908736	117,513	378	SH		SOLE	NONE	378	0	0
Vanguard ETF/USA	VALUE ETF	922908744	221,111	1,479	SH		SOLE	NONE	1,479	0	0
Vanguard ETF/USA	SMALL CP ETF	922908751	769,268	3,606	SH		SOLE	NONE	3,606	0	0
Vanguard Group Inc/The	FTSE SMCAP ETF	922042718	2,416	21	SH		SOLE	NONE	21	0	0
Vanguard Group Inc/The	EXTEND MKT ETF	922908652	49,984	304	SH		SOLE	NONE	304	0	0
Vertex Pharmaceuticals Inc	COM	92532F100	98,467	242	SH		DFND	NONE	242	0	0
Vertex Pharmaceuticals Inc	COM	92532F100	2,636,240	6,479	SH		SOLE	NONE	6,479	0	0
Vicor Corp	COM	925815102	2,247	50	SH		SOLE	NONE	50	0	0
Virgin Galactic Holdings Inc	COM	92766K106	2,274	928	SH		SOLE	NONE	928	0	0
Virtu Financial Inc	CL A	928254101	75,387	3,721	SH		DFND	NONE	3,721	0	0
Virtu Financial Inc	CL A	928254101	1,613,972	79,663	SH		SOLE	NONE	79,663	0	0
Vodafone Group PLC	SPONSORED ADR	92857W308	3,193	367	SH		SOLE	NONE	367	0	0
Vontier Corp	COM	928881101	4,492	130	SH		SOLE	NONE	130	0	0
WASTE MANAGEMENT	COM	94106L109	13,791	77	SH		DFND	NONE	77	0	0
WASTE MANAGEMENT	COM	94106L109	254,501	1,421	SH		SOLE	NONE	1,421	0	0
WD-40 Co	COM	929236107	83,914	351	SH		SOLE	NONE	351	0	0
WEC Energy Group Inc	COM	92939U106	29,965	356	SH		DFND	NONE	356	0	0
WELLS FARGO & CO	COM	949746101	58,424	1,187	SH		DFND	NONE	1,187	0	0
WELLS FARGO & CO	COM	949746101	124,625	2,532	SH		SOLE	NONE	2,532	0	0
WESTN DIGITAL CORP	COM	958102105	1,205	23	SH		DFND	NONE	23	0	0
WEX Inc	COM	96208T104	73,929	380	SH		SOLE	NONE	380	0	0
WISDOMTREE ETFS/USA	EMER MKT HIGH FD	97717W315	5,085	125	SH		DFND	NONE	125	0	0
WISDOMTREE ETFS/USA	EMER MKT HIGH FD	97717W315	17,736	436	SH		SOLE	NONE	436	0	0
WISDOMTREE ETFS/USA	INTL SMCAP DIV	97717W760	8,300	130	SH		SOLE	NONE	130	0	0
WORLD GOLD TRUST SERVICES LLC	SPDR GLD MINIS	98149E303	170,063	4,157	SH		DFND	NONE	4,157	0	0
WORLD GOLD TRUST SERVICES LLC	SPDR GLD MINIS	98149E303	7,988,700	195,275	SH		SOLE	NONE	195,275	0	0
WP Carey Inc	COM	92936U109	55,089	850	SH		DFND	NONE	850	0	0
WW Grainger Inc	COM	384802104	5,801	7	SH		SOLE	NONE	7	0	0
Walgreens Boots Alliance Inc	COM	931427108	21,332	817	SH		SOLE	NONE	817	0	0
Walmart Inc	COM	931142103	179,248	1,137	SH		DFND	NONE	1,137	0	0
Walmart Inc	COM	931142103	2,177,935	13,815	SH		SOLE	NONE	13,815	0	0
Walt Disney Co/The	COM	254687106	80,900	896	SH		DFND	NONE	896	0	0
Walt Disney Co/The	COM	254687106	1,332,951	14,763	SH		SOLE	NONE	14,763	0	0
Warner Bros Discovery Inc	COM SER A	934423104	615	54	SH		DFND	NONE	54	0	0
Warner Bros Discovery Inc	COM SER A	934423104	18,458	1,622	SH		SOLE	NONE	1,622	0	0
Waters Corp	COM	941848103	1,975	6	SH		DFND	NONE	6	0	0
Waters Corp	COM	941848103	21,071	64	SH		SOLE	NONE	64	0	0
Webster Financial Corp	COM	947890109	30,456	600	SH		SOLE	NONE	600	0	0
Weyerhaeuser Co	COM NEW	962166104	16,133	464	SH		SOLE	NONE	464	0	0
Whirlpool Corp	COM	963320106	11,568	95	SH		DFND	NONE	95	0	0
Williams Cos Inc/The	COM	969457100	6,444	185	SH		SOLE	NONE	185	0	0
Williams-Sonoma Inc	COM	969904101	172,118	853	SH		SOLE	NONE	853	0	0
WisdomTree Asset Management Inc	US QTLY DIV GRT	97717X669	12,650	180	SH		SOLE	NONE	180	0	0
Woodside Energy Group Ltd	SPONSORED ADR	980228308	3,712	176	SH		DFND	NONE	176	0	0
Xerox Holdings Corp	COM NEW	98421M106	1,466	80	SH		SOLE	NONE	80	0	0
Xylem Inc/NY	COM	98419M100	17,154	150	SH		SOLE	NONE	150	0	0
YUM BRANDS INC	COM	988498101	392	3	SH		DFND	NONE	3	0	0
Yum China Holdings Inc	COM	98850P109	127	3	SH		DFND	NONE	3	0	0
iShares ETFs/USA	MSCI CDA ETF	464286509	1,871	51	SH		SOLE	NONE	51	0	0
iShares ETFs/USA	CORE US AGGBD ET	464287226	74,239	748	SH		DFND	NONE	748	0	0
iShares ETFs/USA	CORE US AGGBD ET	464287226	58,260	587	SH		SOLE	NONE	587	0	0
iShares ETFs/USA	7-10 YR TRSY BD	464287440	194,419	2,017	SH		SOLE	NONE	2,017	0	0
iShares ETFs/USA	3 7 YR TREAS BD	464288661	212,942	1,818	SH		DFND	NONE	1,818	0	0
iShares ETFs/USA	3 7 YR TREAS BD	464288661	3,909,682	33,379	SH		SOLE	NONE	33,379	0	0
iShares ETFs/USA	ESG AWRE USD ETF	46435G193	20,780	893	SH		SOLE	NONE	893	0	0
iShares ETFs/USA	ESG AWRE 1 5 YR	46435G243	511,877	20,910	SH		SOLE	NONE	20,910	0	0
iShares ETFs/USA	ESG AWR MSCI USA	46435G425	2,365,421	22,545	SH		SOLE	NONE	22,545	0	0
iShares ETFs/USA	ESG AWR US AGRGT	46435U549	425,459	8,912	SH		SOLE	NONE	8,912	0	0
iShares ETFs/USA	0-3 MNTH TREASRY	46436E718	25,268	252	SH		DFND	NONE	252	0	0
iShares ETFs/USA	0-3 MNTH TREASRY	46436E718	3,453,098	34,438	SH		SOLE	NONE	34,438	0	0