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	79,606	779	SH		DFND	NONE	779	0	0
3M Co	COM	88579Y101	1,036,411	10,142	SH		SOLE	NONE	10,142	0	0
5TH THIRD BANCORP	COM	316773100	23,719	650	SH		SOLE	NONE	650	0	0
ADAMS EXPRESS COMPANY	COM	006212104	13,603	633	SH		SOLE	NONE	633	0	0
ADVANCED MICRO DEV	COM	007903107	202,438	1,248	SH		SOLE	NONE	1,248	0	0
ALBEMARLE CORP	COM	012653101	1,297,735	13,586	SH		SOLE	NONE	13,586	0	0
ALPHABET INC	CAP STK CL A	02079K305	408,927	2,245	SH		DFND	NONE	2,245	0	0
ALPHABET INC	CAP STK CL A	02079K305	5,456,896	29,958	SH		SOLE	NONE	29,958	0	0
ALTRIA GROUP INC	COM	02209S103	4,555	100	SH		DFND	NONE	100	0	0
ALTRIA GROUP INC	COM	02209S103	455,136	9,992	SH		SOLE	NONE	9,992	0	0
AMC Entertainment Holdings Inc	CL A NEW	00165C302	996	200	SH		SOLE	NONE	200	0	0
AMER EXPRESS CO	COM	025816109	509,410	2,200	SH		SOLE	NONE	2,200	0	0
ANALOG DEVICES INC	COM	032654105	253,597	1,111	SH		SOLE	NONE	1,111	0	0
ANSYS, INC.	COM	03662Q105	1,286	4	SH		DFND	NONE	4	0	0
ANSYS, INC.	COM	03662Q105	32,150	100	SH		SOLE	NONE	100	0	0
APPLIED MATERIALS	COM	038222105	128,615	545	SH		DFND	NONE	545	0	0
APPLIED MATERIALS	COM	038222105	4,129,394	17,498	SH		SOLE	NONE	17,498	0	0
ARK Investment Management LLC	INNOVATION ETF	00214Q104	3,296	75	SH		SOLE	NONE	75	0	0
ASML HOLDING NV	N Y REGISTRY SHS	N07059210	7,159	7	SH		SOLE	NONE	7	0	0
AT&T INC	COM	00206R102	178,984	9,366	SH		DFND	NONE	9,366	0	0
AT&T INC	COM	00206R102	1,315,915	68,860	SH		SOLE	NONE	68,860	0	0
AUTOMATIC DATA PROCESSING	COM	053015103	337,030	1,412	SH		DFND	NONE	1,412	0	0
AUTOMATIC DATA PROCESSING	COM	053015103	934,949	3,917	SH		SOLE	NONE	3,917	0	0
AbbVie Inc	COM	00287Y109	285,066	1,662	SH		DFND	NONE	1,662	0	0
AbbVie Inc	COM	00287Y109	2,140,913	12,482	SH		SOLE	NONE	12,482	0	0
Abbott Laboratories	COM	002824100	35,953	346	SH		DFND	NONE	346	0	0
Abbott Laboratories	COM	002824100	566,933	5,456	SH		SOLE	NONE	5,456	0	0
Accenture PLC	SHS CLASS A	G1151C101	30,341	100	SH		DFND	NONE	100	0	0
Accenture PLC	SHS CLASS A	G1151C101	303,713	1,001	SH		SOLE	NONE	1,001	0	0
Adobe Inc	COM	00724F101	92,775	167	SH		DFND	NONE	167	0	0
Adobe Inc	COM	00724F101	2,439,376	4,391	SH		SOLE	NONE	4,391	0	0
Aflac Inc	COM	001055102	71,716	803	SH		SOLE	NONE	803	0	0
Air Products and Chemicals Inc	COM	009158106	25,547	99	SH		SOLE	NONE	99	0	0
Alibaba Group Holding Ltd	SPONSORED ADS	01609W102	13,248	184	SH		SOLE	NONE	184	0	0
Alliant Energy Corp	COM	018802108	9,824	193	SH		SOLE	NONE	193	0	0
Alphabet Inc	CAP STK CL C	02079K107	188,372	1,027	SH		DFND	NONE	1,027	0	0
Alphabet Inc	CAP STK CL C	02079K107	3,654,587	19,923	SH		SOLE	NONE	19,923	0	0
Amazon.com Inc	COM	023135106	130,251	674	SH		DFND	NONE	674	0	0
Amazon.com Inc	COM	023135106	4,214,976	21,811	SH		SOLE	NONE	21,811	0	0
Amcor PLC	ORD	G0250X107	29,340	3,000	SH		SOLE	NONE	3,000	0	0
American Electric Power Co Inc	COM	025537101	45,976	524	SH		SOLE	NONE	524	0	0
American Tower Corp	COM	03027X100	24,686	127	SH		SOLE	NONE	127	0	0
American Water Works Co Inc	COM	030420103	85,375	661	SH		DFND	NONE	661	0	0
American Water Works Co Inc	COM	030420103	1,732,294	13,412	SH		SOLE	NONE	13,412	0	0
Ameriprise Financial Inc	COM	03076C106	27,340	64	SH		SOLE	NONE	64	0	0
Amgen Inc	COM	031162100	52,179	167	SH		DFND	NONE	167	0	0
Amgen Inc	COM	031162100	1,866,576	5,974	SH		SOLE	NONE	5,974	0	0
Amphenol Corp	CL A	032095101	7,141	106	SH		SOLE	NONE	106	0	0
Aon PLC	SHS CL A	G0403H108	699,601	2,383	SH		SOLE	NONE	2,383	0	0
Apple Inc	COM	037833100	484,847	2,302	SH		DFND	NONE	2,302	0	0
Apple Inc	COM	037833100	14,762,261	70,090	SH		SOLE	NONE	70,090	0	0
Aptiv PLC	SHS	G6095L109	876,306	12,444	SH		SOLE	NONE	12,444	0	0
Archer-Daniels-Midland Co	COM	039483102	73,628	1,218	SH		DFND	NONE	1,218	0	0
Archer-Daniels-Midland Co	COM	039483102	828,709	13,709	SH		SOLE	NONE	13,709	0	0
Arthur J Gallagher & Co	COM	363576109	107,354	414	SH		SOLE	NONE	414	0	0
AstraZeneca PLC	SPONSORED ADR	046353108	13,258	170	SH		SOLE	NONE	170	0	0
Atmos Energy Corp	COM	049560105	39	0	SH		SOLE	NONE	0	0	0
Avanos Medical Inc	COM	05350V106	618	31	SH		DFND	NONE	31	0	0
BARCLAYS CAPITAL INC	DJUBS CMDT ETN36	06738C778	11,093	346	SH		DFND	NONE	346	0	0
BARCLAYS CAPITAL INC	DJUBS CMDT ETN36	06738C778	471,635	14,711	SH		SOLE	NONE	14,711	0	0
BARRICK GOLD CORP	COM	067901108	6,906	414	SH		DFND	NONE	414	0	0
BARRICK GOLD CORP	COM	067901108	350,797	21,031	SH		SOLE	NONE	21,031	0	0
BAXTER INTL INC	COM	071813109	8,363	250	SH		DFND	NONE	250	0	0
BAXTER INTL INC	COM	071813109	1,338	40	SH		SOLE	NONE	40	0	0
BECTON DICKINSON	COM	075887109	46,742	200	SH		DFND	NONE	200	0	0
BECTON DICKINSON	COM	075887109	56,792	243	SH		SOLE	NONE	243	0	0
BHP BILLITON LTD	SPONSORED ADS	088606108	27,517	482	SH		DFND	NONE	482	0	0
BHP BILLITON LTD	SPONSORED ADS	088606108	21,466	376	SH		SOLE	NONE	376	0	0
BK OF AMERICA CORP	COM	060505104	140,826	3,541	SH		DFND	NONE	3,541	0	0
BK OF AMERICA CORP	COM	060505104	128,457	3,230	SH		SOLE	NONE	3,230	0	0
BLACKROCK FUND ADVISORS	HDG MSCI EAFE	46434V803	30,897	869	SH		SOLE	NONE	869	0	0
BOEING CO	COM	097023105	27,302	150	SH		DFND	NONE	150	0	0
BOEING CO	COM	097023105	65,888	362	SH		SOLE	NONE	362	0	0
BP PLC	SPONSORED ADR	055622104	7,184	199	SH		DFND	NONE	199	0	0
BP PLC	SPONSORED ADR	055622104	34,367	952	SH		SOLE	NONE	952	0	0
BRIGHTHOUSE FINANCIAL INC.	COM	10922N103	1,474	34	SH		DFND	NONE	34	0	0
BRISTOL-MYRS SQUIB	COM	110122108	128,079	3,084	SH		DFND	NONE	3,084	0	0
BRISTOL-MYRS SQUIB	COM	110122108	1,653,268	39,809	SH		SOLE	NONE	39,809	0	0
BROADRIDGE FIN SOL	COM	11133T103	66,586	338	SH		DFND	NONE	338	0	0
BROADRIDGE FIN SOL	COM	11133T103	22,458	114	SH		SOLE	NONE	114	0	0
Banco Santander SA	ADR	05964H105	101,564	21,936	SH		SOLE	NONE	21,936	0	0
Bar Harbor Bankshares	COM	066849100	134,400	5,000	SH		DFND	NONE	5,000	0	0
Bar Harbor Bankshares	COM	066849100	97,440	3,625	SH		SOLE	NONE	3,625	0	0
Berkshire Hathaway Inc	CL B NEW	084670702	58,986	145	SH		DFND	NONE	145	0	0
Berkshire Hathaway Inc	CL B NEW	084670702	2,110,885	5,189	SH		SOLE	NONE	5,189	0	0
Biogen Inc	COM	09062X103	6,491	28	SH		SOLE	NONE	28	0	0
BlackRock Fund Advisors	MSCI CDA ETF	464286509	1,892	51	SH		SOLE	NONE	51	0	0
BlackRock Fund Advisors	MSCI EQUAL WEITE	464286681	1,253,238	14,201	SH		SOLE	NONE	14,201	0	0
BlackRock Fund Advisors	CORE S&P TTL STK	464287150	35	0	SH		SOLE	NONE	0	0	0
BlackRock Fund Advisors	CORE US AGGBD ET	464287226	72,608	748	SH		DFND	NONE	748	0	0
BlackRock Fund Advisors	CORE US AGGBD ET	464287226	133,180	1,372	SH		SOLE	NONE	1,372	0	0
BlackRock Fund Advisors	20 YR TR BD ETF	464287432	8,352	91	SH		SOLE	NONE	91	0	0
BlackRock Fund Advisors	7-10 YR TRSY BD	464287440	120,153	1,283	SH		SOLE	NONE	1,283	0	0
BlackRock Fund Advisors	MSCI EAFE ETF	464287465	217,209	2,773	SH		DFND	NONE	2,773	0	0
BlackRock Fund Advisors	MSCI EAFE ETF	464287465	301,101	3,844	SH		SOLE	NONE	3,844	0	0
BlackRock Fund Advisors	RUS MDCP VAL ETF	464287473	57,352	475	SH		SOLE	NONE	475	0	0
BlackRock Fund Advisors	RUS MD CP GR ETF	464287481	11,807	107	SH		SOLE	NONE	107	0	0
BlackRock Fund Advisors	RUS MID CAP ETF	464287499	508,372	6,270	SH		SOLE	NONE	6,270	0	0
BlackRock Fund Advisors	CORE S&P MCP ETF	464287507	1,585,131	27,087	SH		DFND	NONE	27,087	0	0
BlackRock Fund Advisors	CORE S&P MCP ETF	464287507	53,444,355	913,266	SH		SOLE	NONE	913,266	0	0
BlackRock Fund Advisors	S&P MC 400GR ETF	464287606	65,201	740	SH		DFND	NONE	740	0	0
BlackRock Fund Advisors	S&P MC 400GR ETF	464287606	826,296	9,378	SH		SOLE	NONE	9,378	0	0
BlackRock Fund Advisors	RUS 1000 ETF	464287622	11,307	38	SH		SOLE	NONE	38	0	0
BlackRock Fund Advisors	RUS 2000 GRW ETF	464287648	354,678	1,351	SH		SOLE	NONE	1,351	0	0
BlackRock Fund Advisors	RUSSELL 3000 ETF	464287689	69,451	225	SH		SOLE	NONE	225	0	0
BlackRock Fund Advisors	S&P MC 400VL ETF	464287705	1,338,488	11,797	SH		SOLE	NONE	11,797	0	0
BlackRock Fund Advisors	CORE S&P SCP ETF	464287804	1,897,588	17,791	SH		DFND	NONE	17,791	0	0
BlackRock Fund Advisors	CORE S&P SCP ETF	464287804	48,048,334	450,481	SH		SOLE	NONE	450,481	0	0
BlackRock Fund Advisors	US CONSM STAPLES	464287812	26,826	408	SH		SOLE	NONE	408	0	0
BlackRock Fund Advisors	DOW JONES US ETF	464287846	62,451	472	SH		SOLE	NONE	472	0	0
BlackRock Fund Advisors	INTL TREA BD ETF	464288117	5,792	150	SH		DFND	NONE	150	0	0
BlackRock Fund Advisors	SHRT NAT MUN ETF	464288158	1,341,820	12,834	SH		SOLE	NONE	12,834	0	0
BlackRock Fund Advisors	JPMORGAN USD EMG	464288281	9,041	102	SH		SOLE	NONE	102	0	0
BlackRock Fund Advisors	INTL SEL DIV ETF	464288448	4,263,532	154,085	SH		DFND	NONE	154,085	0	0
BlackRock Fund Advisors	INTL SEL DIV ETF	464288448	5,909,205	213,560	SH		SOLE	NONE	213,560	0	0
BlackRock Fund Advisors	MSCI KLD400 SOC	464288570	317,781	3,060	SH		DFND	NONE	3,060	0	0
BlackRock Fund Advisors	MSCI KLD400 SOC	464288570	2,563,745	24,687	SH		SOLE	NONE	24,687	0	0
BlackRock Fund Advisors	MBS ETF	464288588	283,326	3,086	SH		DFND	NONE	3,086	0	0
BlackRock Fund Advisors	MBS ETF	464288588	24,248,215	264,113	SH		SOLE	NONE	264,113	0	0
BlackRock Fund Advisors	INTRM GOV CR ETF	464288612	473,527	4,565	SH		SOLE	NONE	4,565	0	0
BlackRock Fund Advisors	ISHS 5-10YR INVT	464288638	442,476	8,632	SH		DFND	NONE	8,632	0	0
BlackRock Fund Advisors	ISHS 5-10YR INVT	464288638	665,662	12,986	SH		SOLE	NONE	12,986	0	0
BlackRock Fund Advisors	ISHS 1-5YR INVS	464288646	701,271	13,686	SH		DFND	NONE	13,686	0	0
BlackRock Fund Advisors	ISHS 1-5YR INVS	464288646	38,125,686	744,061	SH		SOLE	NONE	744,061	0	0
BlackRock Fund Advisors	3 7 YR TREAS BD	464288661	83,831	726	SH		DFND	NONE	726	0	0
BlackRock Fund Advisors	3 7 YR TREAS BD	464288661	1,918,419	16,614	SH		SOLE	NONE	16,614	0	0
BlackRock Fund Advisors	GLOB UTILITS ETF	464288711	89,506	1,495	SH		SOLE	NONE	1,495	0	0
BlackRock Fund Advisors	US OIL GS EX ETF	464288851	18,013	181	SH		SOLE	NONE	181	0	0
BlackRock Fund Advisors	MSCI USA MIN VOL	46429B697	72,290	861	SH		SOLE	NONE	861	0	0
BlackRock Fund Advisors	MSCI USA QLT FCT	46432F339	205,254	1,202	SH		SOLE	NONE	1,202	0	0
BlackRock Fund Advisors	MSCI USA MMENTM	46432F396	58,461	300	SH		SOLE	NONE	300	0	0
BlackRock Fund Advisors	CORE MSCI TOTAL	46432F834	161	2	SH		SOLE	NONE	2	0	0
BlackRock Fund Advisors	CORE MSCI EMKT	46434G103	629,424	11,758	SH		SOLE	NONE	11,758	0	0
BlackRock Fund Advisors	MSCI EMRG CHN	46434G764	106,678	1,802	SH		SOLE	NONE	1,802	0	0
BlackRock Fund Advisors	ESG AWR MSCI EM	46434G863	277,427	8,274	SH		SOLE	NONE	8,274	0	0
BlackRock Fund Advisors	ESG AWARE MSCI	46435U663	697,813	18,125	SH		SOLE	NONE	18,125	0	0
BlackRock Inc	COM	09247X101	20,470	26	SH		DFND	NONE	26	0	0
BlackRock Inc	COM	09247X101	1,295,141	1,645	SH		SOLE	NONE	1,645	0	0
Booking Holdings Inc	COM	09857L108	35,654	9	SH		SOLE	NONE	9	0	0
Boston Scientific Corp	COM	101137107	11,552	150	SH		SOLE	NONE	150	0	0
BrainStorm Cell Therapeutics I	COM NEW	10501E201	1,354	4,000	SH		SOLE	NONE	4,000	0	0
Broadcom Inc	COM	11135F101	690,378	430	SH		SOLE	NONE	430	0	0
CAMECO CORP	COM	13321L108	21,402	435	SH		DFND	NONE	435	0	0
CARNIVAL CORP	UNIT 99/99/9999	143658300	1,872	100	SH		SOLE	NONE	100	0	0
CARRIER GLOBAL CORP	COM	14448C104	68,126	1,080	SH		DFND	NONE	1,080	0	0
CARRIER GLOBAL CORP	COM	14448C104	81,436	1,291	SH		SOLE	NONE	1,291	0	0
CDN NATL RAILWAYS	COM	136375102	73,713	624	SH		SOLE	NONE	624	0	0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	EMRG MKTEQ ETF	808524706	11,580	436	SH		DFND	NONE	436	0	0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	EMRG MKTEQ ETF	808524706	4,345,189	163,599	SH		SOLE	NONE	163,599	0	0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	US DIVIDEND EQ	808524797	286,312	3,682	SH		DFND	NONE	3,682	0	0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	US DIVIDEND EQ	808524797	2,099,209	26,996	SH		SOLE	NONE	26,996	0	0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	US TIPS ETF	808524870	31,102	598	SH		SOLE	NONE	598	0	0
CHUBB LIMITED COM	COM	H1467J104	41,323	162	SH		SOLE	NONE	162	0	0
CISCO SYSTEMS	COM	17275R102	65,326	1,375	SH		DFND	NONE	1,375	0	0
CISCO SYSTEMS	COM	17275R102	1,823,766	38,387	SH		SOLE	NONE	38,387	0	0
CLEVELAND CLIFFS COM	COM	185899101	15,390	1,000	SH		SOLE	NONE	1,000	0	0
CME Group Inc	COM	12572Q105	23,199	118	SH		SOLE	NONE	118	0	0
COLGATE-PALMOLIVE	COM	194162103	99,272	1,023	SH		SOLE	NONE	1,023	0	0
CONOCOPHILLIPS	COM	20825C104	21,389	187	SH		DFND	NONE	187	0	0
CONOCOPHILLIPS	COM	20825C104	209,129	1,828	SH		SOLE	NONE	1,828	0	0
CORNING INC	COM	219350105	52,914	1,362	SH		DFND	NONE	1,362	0	0
CORNING INC	COM	219350105	1,395,842	35,929	SH		SOLE	NONE	35,929	0	0
CRISPR Therapeutics AG	NAMEN AKT	H17182108	13,773	255	SH		SOLE	NONE	255	0	0
CSX CORP	COM	126408103	36,126	1,080	SH		DFND	NONE	1,080	0	0
CSX CORP	COM	126408103	308,108	9,211	SH		SOLE	NONE	9,211	0	0
CUMMINS INC	COM	231021106	554	2	SH		DFND	NONE	2	0	0
CUMMINS INC	COM	231021106	38,837	140	SH		SOLE	NONE	140	0	0
CVS Health Corp	COM	126650100	28,880	489	SH		DFND	NONE	489	0	0
CVS Health Corp	COM	126650100	69,041	1,169	SH		SOLE	NONE	1,169	0	0
Camden National Corp	COM	133034108	39,171	1,187	SH		SOLE	NONE	1,187	0	0
Capital One Financial Corp	COM	14040H105	24,229	175	SH		DFND	NONE	175	0	0
Capital One Financial Corp	COM	14040H105	27,136	196	SH		SOLE	NONE	196	0	0
Cardinal Health Inc	COM	14149Y108	39,721	404	SH		SOLE	NONE	404	0	0
Catalyst Pharmaceuticals Inc	COM	14888U101	1,549	100	SH		SOLE	NONE	100	0	0
Caterpillar Inc	COM	149123101	166,550	500	SH		DFND	NONE	500	0	0
Caterpillar Inc	COM	149123101	222,844	669	SH		SOLE	NONE	669	0	0
Charles Schwab Corp/The	COM	808513105	35	0	SH		SOLE	NONE	0	0	0
Charles Schwab Investment Management Inc	US BRD MKT ETF	808524102	104,867	1,668	SH		SOLE	NONE	1,668	0	0
Charles Schwab Investment Management Inc	US LRG CAP ETF	808524201	13,750	214	SH		DFND	NONE	214	0	0
Charles Schwab Investment Management Inc	US LRG CAP ETF	808524201	79,277,665	1,233,894	SH		SOLE	NONE	1,233,894	0	0
Charles Schwab Investment Management Inc	US LCAP GR ETF	808524300	66,554	660	SH		SOLE	NONE	660	0	0
Charles Schwab Investment Management Inc	US MID-CAP ETF	808524508	45,920	590	SH		DFND	NONE	590	0	0
Charles Schwab Investment Management Inc	US MID-CAP ETF	808524508	16,362,590	210,235	SH		SOLE	NONE	210,235	0	0
Charles Schwab Investment Management Inc	US SML CAP ETF	808524607	45,362	956	SH		DFND	NONE	956	0	0
Charles Schwab Investment Management Inc	US SML CAP ETF	808524607	15,120,043	318,652	SH		SOLE	NONE	318,652	0	0
Charles Schwab Investment Management Inc	5 10YR CORP BD	808524698	44,321	1,005	SH		SOLE	NONE	1,005	0	0
Charles Schwab Investment Management Inc	INTL EQTY ETF	808524805	58,629	1,526	SH		DFND	NONE	1,526	0	0
Charles Schwab Investment Management Inc	INTL EQTY ETF	808524805	19,642,900	511,268	SH		SOLE	NONE	511,268	0	0
Charles Schwab Investment Management Inc	US AGGREGATE B	808524839	5,561	122	SH		DFND	NONE	122	0	0
Charles Schwab Investment Management Inc	US AGGREGATE B	808524839	2,046,164	44,892	SH		SOLE	NONE	44,892	0	0
Charles Schwab Investment Management Inc	INT-TRM U.S TRES	808524854	1,463	30	SH		DFND	NONE	30	0	0
Charles Schwab Investment Management Inc	INT-TRM U.S TRES	808524854	913,072	18,722	SH		SOLE	NONE	18,722	0	0
Chart Industries Inc	COM	16115Q308	289	2	SH		DFND	NONE	2	0	0
Chemours Co/The	COM	163851108	790	35	SH		DFND	NONE	35	0	0
Chesapeake Energy Corp	COM	165167735	16,438	200	SH		DFND	NONE	200	0	0
Chevron Corp	COM	166764100	142,655	912	SH		DFND	NONE	912	0	0
Chevron Corp	COM	166764100	2,882,664	18,429	SH		SOLE	NONE	18,429	0	0
Church & Dwight Co Inc	COM	171340102	85,018	820	SH		SOLE	NONE	820	0	0
Cigna Group/The	COM	125523100	8,264	25	SH		SOLE	NONE	25	0	0
Cincinnati Financial Corp	COM	172062101	35,430	300	SH		SOLE	NONE	300	0	0
Citigroup Inc	COM NEW	172967424	103,123	1,625	SH		DFND	NONE	1,625	0	0
Citigroup Inc	COM NEW	172967424	1,784,241	28,116	SH		SOLE	NONE	28,116	0	0
Clorox Co/The	COM	189054109	21,835	160	SH		DFND	NONE	160	0	0
Clorox Co/The	COM	189054109	304,192	2,229	SH		SOLE	NONE	2,229	0	0
Coca-Cola Co/The	COM	191216100	47,165	741	SH		DFND	NONE	741	0	0
Coca-Cola Co/The	COM	191216100	627,525	9,859	SH		SOLE	NONE	9,859	0	0
Cognition Therapeutics Inc	COM	19243B102	56,472	34,019	SH		SOLE	NONE	34,019	0	0
Coherent Corp	COM	19247G107	68,257	942	SH		DFND	NONE	942	0	0
Coherent Corp	COM	19247G107	1,852,367	25,564	SH		SOLE	NONE	25,564	0	0
Comcast Corp	CL A	20030N101	11,004	281	SH		DFND	NONE	281	0	0
Comcast Corp	CL A	20030N101	812,296	20,743	SH		SOLE	NONE	20,743	0	0
Conduent Inc	COM	206787103	209	64	SH		SOLE	NONE	64	0	0
Consolidated Edison Inc	COM	209115104	57,855	647	SH		DFND	NONE	647	0	0
Consolidated Edison Inc	COM	209115104	1,124,725	12,578	SH		SOLE	NONE	12,578	0	0
Constellation Brands Inc	CL A	21036P108	65,606	255	SH		DFND	NONE	255	0	0
Constellation Brands Inc	CL A	21036P108	2,252,744	8,756	SH		SOLE	NONE	8,756	0	0
Constellation Energy Corp	COM	21037T109	12,237	61	SH		SOLE	NONE	61	0	0
Corteva Inc	COM	22052L104	4,099	76	SH		DFND	NONE	76	0	0
Corteva Inc	COM	22052L104	33,335	618	SH		SOLE	NONE	618	0	0
Costco Wholesale Corp	COM	22160K105	926,489	1,090	SH		SOLE	NONE	1,090	0	0
CyberArk Software Ltd	SHS	M2682V108	126,867	464	SH		SOLE	NONE	464	0	0
DEERE & CO	COM	244199105	224,178	600	SH		DFND	NONE	600	0	0
DEERE & CO	COM	244199105	546,621	1,463	SH		SOLE	NONE	1,463	0	0
DENTSPLY SIRONA	COM	24906P109	6,427	258	SH		SOLE	NONE	258	0	0
DIAGEO	SPON ADR NEW	25243Q205	23,703	188	SH		DFND	NONE	188	0	0
DIAGEO	SPON ADR NEW	25243Q205	727,356	5,769	SH		SOLE	NONE	5,769	0	0
DISCOVER FINL SVCS	COM	254709108	7,456	57	SH		SOLE	NONE	57	0	0
DNOW Inc	COM	67011P100	1,538	112	SH		DFND	NONE	112	0	0
DOMINION RES(VIR)	COM	25746U109	24,647	503	SH		SOLE	NONE	503	0	0
DUKE ENERGY CORP	COM NEW	26441C204	57,833	577	SH		DFND	NONE	577	0	0
DUKE ENERGY CORP	COM NEW	26441C204	50,716	506	SH		SOLE	NONE	506	0	0
Danaher Corp	COM	235851102	383,270	1,534	SH		SOLE	NONE	1,534	0	0
Darden Restaurants Inc	COM	237194105	9,079	60	SH		SOLE	NONE	60	0	0
Dell Technologies Inc	CL C	24703L202	13,791	100	SH		DFND	NONE	100	0	0
Dell Technologies Inc	CL C	24703L202	28,409	206	SH		SOLE	NONE	206	0	0
Delta Air Lines Inc	COM NEW	247361702	7,130	150	SH		SOLE	NONE	150	0	0
Digital Realty Trust Inc	COM	253868103	11,404	75	SH		SOLE	NONE	75	0	0
Donaldson Co Inc	COM	257651109	118,360	1,654	SH		SOLE	NONE	1,654	0	0
Dow Inc	COM	260557103	4,032	76	SH		DFND	NONE	76	0	0
Dow Inc	COM	260557103	50,026	943	SH		SOLE	NONE	943	0	0
DuPont de Nemours Inc	COM	26614N102	14,891	185	SH		DFND	NONE	185	0	0
DuPont de Nemours Inc	COM	26614N102	55,699	692	SH		SOLE	NONE	692	0	0
EBAY INC	COM	278642103	6,554	122	SH		DFND	NONE	122	0	0
ECOLAB INC	COM	278865100	59,262	249	SH		SOLE	NONE	249	0	0
EMERSON ELECTRIC	COM	291011104	104,101	945	SH		DFND	NONE	945	0	0
EMERSON ELECTRIC	COM	291011104	1,225,931	11,129	SH		SOLE	NONE	11,129	0	0
ENBRIDGE INC	COM	29250N105	106,556	2,994	SH		DFND	NONE	2,994	0	0
ENBRIDGE INC	COM	29250N105	1,033,107	29,028	SH		SOLE	NONE	29,028	0	0
EXELON CORP	COM	30161N101	6,541	189	SH		DFND	NONE	189	0	0
Eaton Corp PLC	SHS	G29183103	579,440	1,848	SH		SOLE	NONE	1,848	0	0
Edwards Lifesciences Corp	COM	28176E108	70,571	764	SH		SOLE	NONE	764	0	0
Elevance Health Inc	COM	036752103	163,100	301	SH		DFND	NONE	301	0	0
Elevance Health Inc	COM	036752103	2,554,870	4,715	SH		SOLE	NONE	4,715	0	0
Eli Lilly & Co	COM	532457108	715,250	790	SH		DFND	NONE	790	0	0
Eli Lilly & Co	COM	532457108	2,237,241	2,471	SH		SOLE	NONE	2,471	0	0
Embecta Corp	COMMON STOCK	29082K105	500	40	SH		DFND	NONE	40	0	0
Embecta Corp	COMMON STOCK	29082K105	88	7	SH		SOLE	NONE	7	0	0
Enterprise Products Partners L	COM	293792107	5,564	192	SH		SOLE	NONE	192	0	0
Essential Utilities Inc	COM	29670G102	21,054	564	SH		SOLE	NONE	564	0	0
Essex Property Trust Inc	COM	297178105	11,432	42	SH		SOLE	NONE	42	0	0
Eversource Energy	COM	30040W108	34,253	604	SH		SOLE	NONE	604	0	0
Exxon Mobil Corp	COM	30231G102	1,085,927	9,433	SH		DFND	NONE	9,433	0	0
Exxon Mobil Corp	COM	30231G102	1,794,365	15,587	SH		SOLE	NONE	15,587	0	0
FEDEX CORP	COM	31428X106	68,663	229	SH		DFND	NONE	229	0	0
FEDEX CORP	COM	31428X106	2,098,880	7,000	SH		SOLE	NONE	7,000	0	0
FIRST SOLAR INC	COM	336433107	41,936	186	SH		DFND	NONE	186	0	0
FIRST SOLAR INC	COM	336433107	1,048,840	4,652	SH		SOLE	NONE	4,652	0	0
FORD MOTOR CO	COM	345370860	14,396	1,148	SH		SOLE	NONE	1,148	0	0
FREEPORT-MCMOR C&G	CL B	35671D857	10,546	217	SH		SOLE	NONE	217	0	0
FTI Consulting Inc	COM	302941109	54,960	255	SH		DFND	NONE	255	0	0
FTI Consulting Inc	COM	302941109	1,499,442	6,957	SH		SOLE	NONE	6,957	0	0
Fastenal Co	COM	311900104	46,187	735	SH		SOLE	NONE	735	0	0
Fidelity Management & Research Co LLC	TOTAL BD ETF	316188309	2,144,374	47,727	SH		DFND	NONE	47,727	0	0
FingerMotion Inc	None	31788K108	2,550	1,000	SH		SOLE	NONE	1,000	0	0
First Bancorp Inc/The	COM	31866P102	200,838	8,082	SH		DFND	NONE	8,082	0	0
First Bancorp Inc/The	COM	31866P102	3,678	148	SH		SOLE	NONE	148	0	0
First Trust Advisors LP	NASDAQ CYB ETF	33734X846	62,062	1,100	SH		SOLE	NONE	1,100	0	0
First Trust Advisors LP	NO AMER ENERGY	33738D101	15,230	500	SH		SOLE	NONE	500	0	0
First Trust Advisors LP	PFD SECS INC ETF	33739E108	1,059,915	61,055	SH		DFND	NONE	61,055	0	0
Fortinet Inc	COM	34959E109	1,473,119	24,442	SH		SOLE	NONE	24,442	0	0
Fortive Corp	COM	34959J108	41,274	557	SH		SOLE	NONE	557	0	0
Fortune Brands Innovations Inc	COM	34964C106	19,482	300	SH		SOLE	NONE	300	0	0
Franklin Electric Co Inc	COM	353514102	4,720	49	SH		SOLE	NONE	49	0	0
GE HealthCare Technologies Inc	COMMON STOCK	36266G107	6,078	78	SH		DFND	NONE	78	0	0
GE HealthCare Technologies Inc	COMMON STOCK	36266G107	48,466	622	SH		SOLE	NONE	622	0	0
GE Vernova Inc	None	36828A101	9,948	58	SH		DFND	NONE	58	0	0
GE Vernova Inc	None	36828A101	80,095	467	SH		SOLE	NONE	467	0	0
GEN DYNAMICS CORP	COM	369550108	78,338	270	SH		DFND	NONE	270	0	0
GEN DYNAMICS CORP	COM	369550108	1,612,888	5,559	SH		SOLE	NONE	5,559	0	0
GENERAL MILLS INC	COM	370334104	130,316	2,060	SH		SOLE	NONE	2,060	0	0
GOLDMAN SACHS GRP	COM	38141G104	6,785	15	SH		SOLE	NONE	15	0	0
GSK PLC	SPONSORED ADR	37733W204	9,972	259	SH		DFND	NONE	259	0	0
GSK PLC	SPONSORED ADR	37733W204	18,904	491	SH		SOLE	NONE	491	0	0
GameStop Corp	CL A	36467W109	3,704	150	SH		SOLE	NONE	150	0	0
Generac Holdings Inc	COM	368736104	101,809	770	SH		DFND	NONE	770	0	0
Generac Holdings Inc	COM	368736104	2,373,481	17,951	SH		SOLE	NONE	17,951	0	0
General Electric Co	COM NEW	369604301	37,835	238	SH		DFND	NONE	238	0	0
General Electric Co	COM NEW	369604301	316,827	1,993	SH		SOLE	NONE	1,993	0	0
Genuine Parts Co	COM	372460105	69,575	503	SH		DFND	NONE	503	0	0
Genuine Parts Co	COM	372460105	960,494	6,944	SH		SOLE	NONE	6,944	0	0
Global Payments Inc	COM	37940X102	4,255	44	SH		SOLE	NONE	44	0	0
Global X ETFs/USA	S&P 500 COVERED	37954Y475	1,776,575	43,942	SH		DFND	NONE	43,942	0	0
Global X Management Co LLC	LITHIUM BTRY ETF	37954Y855	8,530	220	SH		SOLE	NONE	220	0	0
Globe Life Inc	COM	37959E102	823	10	SH		DFND	NONE	10	0	0
Globe Life Inc	COM	37959E102	80,799	982	SH		SOLE	NONE	982	0	0
HALLIBURTON	COM	406216101	7,567	224	SH		DFND	NONE	224	0	0
HANESBRANDS INC	COM	410345102	8,697	1,764	SH		SOLE	NONE	1,764	0	0
HASBRO INC	COM	418056107	11,115	190	SH		DFND	NONE	190	0	0
HASBRO INC	COM	418056107	17,550	300	SH		SOLE	NONE	300	0	0
HCA Healthcare Inc	COM	40412C101	27,309	85	SH		SOLE	NONE	85	0	0
HERSHEY CO (THE)	COM	427866108	25,369	138	SH		SOLE	NONE	138	0	0
Haleon PLC	SPON ADS	405552100	99	12	SH		DFND	NONE	12	0	0
Hess Corp	COM	42809H107	21,685	147	SH		SOLE	NONE	147	0	0
Home Depot Inc/The	COM	437076102	259,901	755	SH		DFND	NONE	755	0	0
Home Depot Inc/The	COM	437076102	976,683	2,837	SH		SOLE	NONE	2,837	0	0
Honeywell International Inc	COM	438516106	20,286	95	SH		DFND	NONE	95	0	0
Honeywell International Inc	COM	438516106	622,896	2,917	SH		SOLE	NONE	2,917	0	0
Huntington Ingalls Industries	COM	446413106	15,519	63	SH		DFND	NONE	63	0	0
Huntington Ingalls Industries	COM	446413106	904,770	3,673	SH		SOLE	NONE	3,673	0	0
ICON PLC	SHS	G4705A100	53,917	172	SH		DFND	NONE	172	0	0
ICON PLC	SHS	G4705A100	1,934,110	6,170	SH		SOLE	NONE	6,170	0	0
IDEXX Laboratories Inc	COM	45168D104	777,571	1,596	SH		SOLE	NONE	1,596	0	0
ILLINOIS TOOL WKS	COM	452308109	94,784	400	SH		DFND	NONE	400	0	0
ILLINOIS TOOL WKS	COM	452308109	17,535	74	SH		SOLE	NONE	74	0	0
INGREDION INC	COM	457187102	11,470	100	SH		SOLE	NONE	100	0	0
INTERCONTINENTAL EXCHANGE	COM	45866F104	61,053	446	SH		DFND	NONE	446	0	0
INTERCONTINENTAL EXCHANGE	COM	45866F104	1,836,790	13,418	SH		SOLE	NONE	13,418	0	0
INTL BUSINESS MCHN	COM	459200101	909,717	5,260	SH		DFND	NONE	5,260	0	0
INTL BUSINESS MCHN	COM	459200101	2,025,417	11,711	SH		SOLE	NONE	11,711	0	0
IQVIA Holdings Inc	COM	46266C105	8,458	40	SH		SOLE	NONE	40	0	0
ISHARES	SELECT DIVID ETF	464287168	441,835	3,652	SH		SOLE	NONE	3,652	0	0
ISHARES	CORE S&P500 ETF	464287200	4,179,196	7,637	SH		DFND	NONE	7,637	0	0
ISHARES	CORE S&P500 ETF	464287200	161,541,202	295,198	SH		SOLE	NONE	295,198	0	0
ISHARES	IBOXX INV CP ETF	464287242	24,102	225	SH		SOLE	NONE	225	0	0
ISHARES	S&P 500 GRWT ETF	464287309	139,643	1,509	SH		SOLE	NONE	1,509	0	0
ISHARES	LATN AMER 40 ETF	464287390	27,236	1,100	SH		SOLE	NONE	1,100	0	0
ISHARES	S&P 500 VAL ETF	464287408	303,411	1,667	SH		SOLE	NONE	1,667	0	0
ISHARES	ISHARES BIOTECH	464287556	1,235	9	SH		DFND	NONE	9	0	0
ISHARES	ISHARES BIOTECH	464287556	311,443	2,269	SH		SOLE	NONE	2,269	0	0
ISHARES	RUSSELL 2000 ETF	464287655	378,593	1,866	SH		SOLE	NONE	1,866	0	0
ISHARES	SP SMCP600VL ETF	464287879	958,110	9,850	SH		SOLE	NONE	9,850	0	0
ISHARES	EAFE VALUE ETF	464288877	27,369	516	SH		SOLE	NONE	516	0	0
ISHARES	CORE MSCI EAFE	46432F842	1,475,900	20,318	SH		DFND	NONE	20,318	0	0
ISHARES	CORE MSCI EAFE	46432F842	53,297,784	733,725	SH		SOLE	NONE	733,725	0	0
ISHARES ETFS/USA	ESG AW MSCI EAFE	46435G516	643,554	8,169	SH		SOLE	NONE	8,169	0	0
ISHARES TR	MSCI EMG MKT ETF	464287234	13,927	327	SH		SOLE	NONE	327	0	0
ISHARES TR	MSCI EAFE MIN VL	46429B689	6,866	99	SH		SOLE	NONE	99	0	0
ISHARES TRUST	TIPS BD ETF	464287176	17,512	164	SH		DFND	NONE	164	0	0
ISHARES TRUST	TIPS BD ETF	464287176	16,017	150	SH		SOLE	NONE	150	0	0
ISHARES TRUST	1 3 YR TREAS BD	464287457	31,517	386	SH		SOLE	NONE	386	0	0
ISHARES TRUST	RUS 1000 VAL ETF	464287598	25,298	145	SH		SOLE	NONE	145	0	0
ISHARES TRUST	GL CLEAN ENE ETF	464288224	157,789	11,846	SH		SOLE	NONE	11,846	0	0
ISHARES TRUST	IBOXX HI YD ETF	464288513	8,331	108	SH		DFND	NONE	108	0	0
ISHARES TRUST	IBOXX HI YD ETF	464288513	10,105	131	SH		SOLE	NONE	131	0	0
ISHARES TRUST	CORE HIGH DV ETF	46429B663	15,001	138	SH		SOLE	NONE	138	0	0
ISHARES/USA	RUS 1000 GRW ETF	464287614	365	1	SH		SOLE	NONE	1	0	0
ISHARES/USA	S&P SML 600 GWT	464287887	417,398	3,250	SH		SOLE	NONE	3,250	0	0
ISHARES/USA	NATIONAL MUN ETF	464288414	142,777	1,340	SH		DFND	NONE	1,340	0	0
ISHARES/USA	NATIONAL MUN ETF	464288414	716,442	6,724	SH		SOLE	NONE	6,724	0	0
Icahn Enterprises LP	DEPOSITARY UNIT	451100101	1,648	100	SH		SOLE	NONE	100	0	0
Illumina Inc	COM	452327109	444,346	4,257	SH		SOLE	NONE	4,257	0	0
Indaptus Therapeutics Inc	COM	45339J105	848	400	SH		SOLE	NONE	400	0	0
Ingersoll Rand Inc	COM	45687V106	45,420	500	SH		SOLE	NONE	500	0	0
Intel Corp	COM	458140100	62,281	2,011	SH		DFND	NONE	2,011	0	0
Intel Corp	COM	458140100	355,071	11,465	SH		SOLE	NONE	11,465	0	0
Intuit Inc	COM	461202103	35,489	54	SH		SOLE	NONE	54	0	0
Intuitive Surgical Inc	COM NEW	46120E602	2,669	6	SH		SOLE	NONE	6	0	0
Invesco Capital Management LLC	UNIT SER 1	46090E103	419,221	875	SH		SOLE	NONE	875	0	0
Invesco Capital Management LLC	WATER RES ETF	46137V142	138,128	2,128	SH		SOLE	NONE	2,128	0	0
Invesco Capital Management LLC	S&P500 EQL WGT	46137V357	1,283,684	7,814	SH		SOLE	NONE	7,814	0	0
Invesco Capital Management LLC	HIG YLD EQ DIV	46137V563	94,488	4,811	SH		SOLE	NONE	4,811	0	0
Invesco Capital Management LLC	S&P500 LOW VOL	46138E354	3,767	58	SH		SOLE	NONE	58	0	0
Invesco Capital Management LLC	PFD ETF	46138E511	75,075	6,500	SH		DFND	NONE	6,500	0	0
Invesco Capital Management LLC	SR LN ETF	46138G508	33,243	1,580	SH		DFND	NONE	1,580	0	0
Invesco Capital Management LLC	SR LN ETF	46138G508	77,238	3,671	SH		SOLE	NONE	3,671	0	0
Invesco Capital Management LLC	TAXABLE MUN BD	46138G805	208,824	7,916	SH		DFND	NONE	7,916	0	0
Invesco Capital Management LLC	TAXABLE MUN BD	46138G805	12,388,318	469,610	SH		SOLE	NONE	469,610	0	0
JB Hunt Transport Services Inc	COM	445658107	152,000	950	SH		SOLE	NONE	950	0	0
JPMorgan Chase & Co	COM	46625H100	496,953	2,457	SH		DFND	NONE	2,457	0	0
JPMorgan Chase & Co	COM	46625H100	9,067,923	44,833	SH		SOLE	NONE	44,833	0	0
Janus Detroit Street Trust	HENDRSN SHRT ETF	47103U886	19,416	400	SH		SOLE	NONE	400	0	0
Johnson & Johnson	COM	478160104	381,478	2,610	SH		DFND	NONE	2,610	0	0
Johnson & Johnson	COM	478160104	3,554,979	24,323	SH		SOLE	NONE	24,323	0	0
KIMBERLY-CLARK CP	COM	494368103	56,662	410	SH		DFND	NONE	410	0	0
KIMBERLY-CLARK CP	COM	494368103	25,567	185	SH		SOLE	NONE	185	0	0
KNIFE RIV HOL CO.	COMMON STOCK	498894104	92,655	1,321	SH		SOLE	NONE	1,321	0	0
KeyCorp	COM	493267108	42,630	3,000	SH		DFND	NONE	3,000	0	0
KeyCorp	COM	493267108	5,243	369	SH		SOLE	NONE	369	0	0
Krane Funds Advisors LLC	CSI CHI INTERNET	500767306	3,378	125	SH		DFND	NONE	125	0	0
Kyndryl Holdings Inc	COMMON STOCK	50155Q100	2,315	88	SH		SOLE	NONE	88	0	0
L3Harris Technologies Inc	COM	502431109	65,577	292	SH		DFND	NONE	292	0	0
L3Harris Technologies Inc	COM	502431109	88,260	393	SH		SOLE	NONE	393	0	0
LOWE'S COS INC	COM	548661107	222,003	1,007	SH		DFND	NONE	1,007	0	0
LOWE'S COS INC	COM	548661107	2,027,791	9,198	SH		SOLE	NONE	9,198	0	0
Lam Research Corp	COM	512807108	5,324	5	SH		SOLE	NONE	5	0	0
Lancaster Colony Corp	COM	513847103	28,346	150	SH		SOLE	NONE	150	0	0
Liberty Media Corp	COM	82968B103	14,150	5,000	SH		SOLE	NONE	5,000	0	0
Linde PLC	SHS	G54950103	44,374	101	SH		SOLE	NONE	101	0	0
Lockheed Martin Corp	COM	539830109	489,988	1,049	SH		SOLE	NONE	1,049	0	0
LyondellBasell Industries NV	SHS - A -	N53745100	34,055	356	SH		SOLE	NONE	356	0	0
M&T Bank Corp	COM	55261F104	669,163	4,421	SH		DFND	NONE	4,421	0	0
M&T Bank Corp	COM	55261F104	52,219	345	SH		SOLE	NONE	345	0	0
MASTERCARD INC	CL A	57636Q104	72,791	165	SH		SOLE	NONE	165	0	0
MCDONALD'S CORP	COM	580135101	468,651	1,839	SH		DFND	NONE	1,839	0	0
MCDONALD'S CORP	COM	580135101	1,960,229	7,692	SH		SOLE	NONE	7,692	0	0
MDU RES GROUP INC	COM	552690109	136,745	5,448	SH		SOLE	NONE	5,448	0	0
METLIFE INC	COM	59156R108	64,364	917	SH		DFND	NONE	917	0	0
METLIFE INC	COM	59156R108	20,425	291	SH		SOLE	NONE	291	0	0
MGE Energy Inc	COM	55277P104	10,087	135	SH		SOLE	NONE	135	0	0
MICROSOFT CORP	COM	594918104	964,518	2,158	SH		DFND	NONE	2,158	0	0
MICROSOFT CORP	COM	594918104	7,647,951	17,111	SH		SOLE	NONE	17,111	0	0
MORGAN STANLEY	COM NEW	617446448	189,521	1,950	SH		DFND	NONE	1,950	0	0
MORGAN STANLEY	COM NEW	617446448	44,610	459	SH		SOLE	NONE	459	0	0
MOTOROLA INC	COM NEW	620076307	9,651	25	SH		SOLE	NONE	25	0	0
Marathon Petroleum Corp	COM	56585A102	60,718	350	SH		DFND	NONE	350	0	0
Marathon Petroleum Corp	COM	56585A102	42,329	244	SH		SOLE	NONE	244	0	0
Markel Group Inc	COM	570535104	15,757	10	SH		SOLE	NONE	10	0	0
MarketAxess Holdings Inc	COM	57060D108	1,403,108	6,997	SH		SOLE	NONE	6,997	0	0
Markforged Holding Corp	COM	57064N102	746	1,820	SH		SOLE	NONE	1,820	0	0
Marriott International Inc/MD	CL A	571903202	25,144	104	SH		SOLE	NONE	104	0	0
Marvell Technology Inc	COM	573874104	5,522	79	SH		DFND	NONE	79	0	0
Marvell Technology Inc	COM	573874104	10,485	150	SH		SOLE	NONE	150	0	0
MasTec Inc	COM	576323109	351,034	3,281	SH		SOLE	NONE	3,281	0	0
Medtronic PLC	SHS	G5960L103	16,687	212	SH		DFND	NONE	212	0	0
Medtronic PLC	SHS	G5960L103	978,916	12,437	SH		SOLE	NONE	12,437	0	0
Merck & Co Inc	COM	58933Y105	139,894	1,130	SH		DFND	NONE	1,130	0	0
Merck & Co Inc	COM	58933Y105	708,631	5,724	SH		SOLE	NONE	5,724	0	0
Meta Platforms Inc	CL A	30303M102	162,359	322	SH		DFND	NONE	322	0	0
Meta Platforms Inc	CL A	30303M102	1,028,644	2,040	SH		SOLE	NONE	2,040	0	0
Methanex Corp	COM	59151K108	145	3	SH		DFND	NONE	3	0	0
Microchip Technology Inc	COM	595017104	4,850	53	SH		SOLE	NONE	53	0	0
Middleby Corp/The	COM	596278101	12,261	100	SH		SOLE	NONE	100	0	0
Mondelez International Inc	CL A	609207105	14,659	224	SH		DFND	NONE	224	0	0
Mondelez International Inc	CL A	609207105	151,297	2,312	SH		SOLE	NONE	2,312	0	0
NET Lease Office Properties	COM	64110Y108	3,299	134	SH		DFND	NONE	134	0	0
NETAPP INC	COM	64110D104	26,404	205	SH		DFND	NONE	205	0	0
NETAPP INC	COM	64110D104	1,784,653	13,856	SH		SOLE	NONE	13,856	0	0
NETFLIX INC	COM	64110L106	12,823	19	SH		SOLE	NONE	19	0	0
NEXTERA ENERGY	COM	65339F101	56,648	800	SH		DFND	NONE	800	0	0
NEXTERA ENERGY	COM	65339F101	577,810	8,160	SH		SOLE	NONE	8,160	0	0
NIKE INC	CL B	654106103	111,171	1,475	SH		DFND	NONE	1,475	0	0
NIKE INC	CL B	654106103	21,405	284	SH		SOLE	NONE	284	0	0
NORTHROP GRUMMAN	COM	666807102	43,595	100	SH		DFND	NONE	100	0	0
NORTHROP GRUMMAN	COM	666807102	69,316	159	SH		SOLE	NONE	159	0	0
NOV Inc	COM	62955J103	8,555	450	SH		DFND	NONE	450	0	0
NVIDIA Corp	COM	67066G104	168,879	1,367	SH		SOLE	NONE	1,367	0	0
NXP Semiconductors NV	COM	N6596X109	1,884	7	SH		DFND	NONE	7	0	0
NXP Semiconductors NV	COM	N6596X109	95,258	354	SH		SOLE	NONE	354	0	0
NY COMMUNITY CAP TRUST V	UNIT 05/07/2051	64944P307	19,170	600	SH		SOLE	NONE	600	0	0
National Amusements Inc	CLASS B COM	92556H206	166	16	SH		SOLE	NONE	16	0	0
National Grid PLC	SPONSORED ADR NE	636274409	5,680	100	SH		DFND	NONE	100	0	0
Newell Brands Inc	COM	651229106	10,538	1,644	SH		SOLE	NONE	1,644	0	0
Newmont Corp	COM	651639106	2,052	49	SH		DFND	NONE	49	0	0
Newmont Corp	COM	651639106	785,942	18,771	SH		SOLE	NONE	18,771	0	0
NextEra Energy Equity Partners	COM UNIT PART IN	65341B106	4,035	146	SH		SOLE	NONE	146	0	0
Norfolk Southern Corp	COM	655844108	1,073	5	SH		DFND	NONE	5	0	0
Norfolk Southern Corp	COM	655844108	19,107	89	SH		SOLE	NONE	89	0	0
Norwood Financial Corp	COM	669549107	42,505	1,675	SH		SOLE	NONE	1,675	0	0
Novartis AG	SPONSORED ADR	66987V109	18,205	171	SH		DFND	NONE	171	0	0
Novartis AG	SPONSORED ADR	66987V109	918,963	8,632	SH		SOLE	NONE	8,632	0	0
Novo Holdings A/S	ADR	670100205	140,884	987	SH		DFND	NONE	987	0	0
Novo Holdings A/S	ADR	670100205	2,366,486	16,579	SH		SOLE	NONE	16,579	0	0
Nucor Corp	COM	670346105	10,908	69	SH		DFND	NONE	69	0	0
Nucor Corp	COM	670346105	183,531	1,161	SH		SOLE	NONE	1,161	0	0
OCCIDENTAL PETROLEUM CORP	*W EXP 08/03/202	674599162	1,769	43	SH		SOLE	NONE	43	0	0
OMNICOM GROUP INC	COM	681919106	6,279	70	SH		SOLE	NONE	70	0	0
ORACLE CORP	COM	68389X105	226,908	1,607	SH		SOLE	NONE	1,607	0	0
OSHKOSH CORP	COM	688239201	13,309	123	SH		SOLE	NONE	123	0	0
Occidental Petroleum Corp	COM	674599105	189	3	SH		DFND	NONE	3	0	0
Occidental Petroleum Corp	COM	674599105	7,311	116	SH		SOLE	NONE	116	0	0
Okta Inc	CL A	679295105	1,311	14	SH		SOLE	NONE	14	0	0
Omega Healthcare Investors Inc	COM	681936100	15,926	465	SH		SOLE	NONE	465	0	0
Organon & Co	COMMON STOCK	68622V106	1,159	56	SH		SOLE	NONE	56	0	0
Otis Worldwide Corp	COM	68902V107	51,884	539	SH		DFND	NONE	539	0	0
Otis Worldwide Corp	COM	68902V107	63,147	656	SH		SOLE	NONE	656	0	0
PARKER-HANNIFIN	COM	701094104	6,576	13	SH		SOLE	NONE	13	0	0
PEPSICO INC	COM	713448108	334,973	2,031	SH		DFND	NONE	2,031	0	0
PEPSICO INC	COM	713448108	3,877,504	23,510	SH		SOLE	NONE	23,510	0	0
PHILIP MORRIS INTL	COM	718172109	16,922	167	SH		DFND	NONE	167	0	0
PHILIP MORRIS INTL	COM	718172109	178,442	1,761	SH		SOLE	NONE	1,761	0	0
PNC Financial Services Group I	COM	693475105	21,923	141	SH		DFND	NONE	141	0	0
PNC Financial Services Group I	COM	693475105	897,120	5,770	SH		SOLE	NONE	5,770	0	0
PPG Industries Inc	COM	693506107	2,770	22	SH		SOLE	NONE	22	0	0
PPL CORP	COM	69351T106	194	7	SH		DFND	NONE	7	0	0
PPL CORP	COM	69351T106	52,397	1,895	SH		SOLE	NONE	1,895	0	0
PRUDENTIAL FINL	COM	744320102	23,672	202	SH		DFND	NONE	202	0	0
PRUDENTIAL FINL	COM	744320102	1,217,018	10,385	SH		SOLE	NONE	10,385	0	0
Pacific Investment Management Co LLC	INV GRD CRP BD	72201R817	475	5	SH		DFND	NONE	5	0	0
Pacific Investment Management Co LLC	INV GRD CRP BD	72201R817	33,275	350	SH		SOLE	NONE	350	0	0
Packaging Corp of America	COM	695156109	28,479	156	SH		DFND	NONE	156	0	0
Packaging Corp of America	COM	695156109	990,936	5,428	SH		SOLE	NONE	5,428	0	0
Palantir Technologies Inc	CL A	69608A108	5,066	200	SH		DFND	NONE	200	0	0
Palantir Technologies Inc	CL A	69608A108	3,926	155	SH		SOLE	NONE	155	0	0
Palo Alto Networks Inc	COM	697435105	1,576,397	4,650	SH		SOLE	NONE	4,650	0	0
PayPal Holdings Inc	COM	70450Y103	7,080	122	SH		DFND	NONE	122	0	0
PayPal Holdings Inc	COM	70450Y103	26,636	459	SH		SOLE	NONE	459	0	0
Paychex Inc	COM	704326107	18,614	157	SH		DFND	NONE	157	0	0
Paychex Inc	COM	704326107	1,132,604	9,553	SH		SOLE	NONE	9,553	0	0
Pfizer Inc	COM	717081103	120,090	4,292	SH		DFND	NONE	4,292	0	0
Pfizer Inc	COM	717081103	864,806	30,908	SH		SOLE	NONE	30,908	0	0
Phillips 66	COM	718546104	87,808	622	SH		DFND	NONE	622	0	0
Phillips 66	COM	718546104	1,636,443	11,592	SH		SOLE	NONE	11,592	0	0
Polaris Inc	COM	731068102	15,584	199	SH		SOLE	NONE	199	0	0
Procter & Gamble Co/The	COM	742718109	259,584	1,574	SH		DFND	NONE	1,574	0	0
Procter & Gamble Co/The	COM	742718109	655,722	3,976	SH		SOLE	NONE	3,976	0	0
Prologis Inc	COM	74340W103	43,913	391	SH		SOLE	NONE	391	0	0
Public Storage	COM	74460D109	63,571	221	SH		DFND	NONE	221	0	0
Public Storage	COM	74460D109	1,508,724	5,245	SH		SOLE	NONE	5,245	0	0
QUALCOMM Inc	COM	747525103	258,735	1,299	SH		DFND	NONE	1,299	0	0
QUALCOMM Inc	COM	747525103	1,776,885	8,921	SH		SOLE	NONE	8,921	0	0
Quanta Services Inc	COM	74762E102	13,975	55	SH		SOLE	NONE	55	0	0
REALTY INCOME CORP	COM	756109104	65,602	1,242	SH		DFND	NONE	1,242	0	0
REALTY INCOME CORP	COM	756109104	18,487	350	SH		SOLE	NONE	350	0	0
REGENERON PHARMACEUTICALS	COM	75886F107	1,067,846	1,016	SH		SOLE	NONE	1,016	0	0
RPM INTERNATIONAL	COM	749685103	19,167	178	SH		DFND	NONE	178	0	0
RTX Corp	COM	75513E101	290,830	2,897	SH		DFND	NONE	2,897	0	0
RTX Corp	COM	75513E101	2,351,636	23,425	SH		SOLE	NONE	23,425	0	0
Regions Financial Corp	COM	7591EP100	68,677	3,427	SH		SOLE	NONE	3,427	0	0
Rivian Automotive Inc	COM CL A	76954A103	2,281	170	SH		SOLE	NONE	170	0	0
S&P Global Inc	COM	78409V104	38,356	86	SH		SOLE	NONE	86	0	0
SALESFORCE.COM INC	COM	79466L302	78,930	307	SH		DFND	NONE	307	0	0
SALESFORCE.COM INC	COM	79466L302	2,002,809	7,790	SH		SOLE	NONE	7,790	0	0
SELECT SECTOR SPDR	SBI MATERIALS	81369Y100	25,168	285	SH		DFND	NONE	285	0	0
SELECT SECTOR SPDR	SBI MATERIALS	81369Y100	293,013	3,318	SH		SOLE	NONE	3,318	0	0
SELECT SECTOR SPDR	SBI HEALTHCARE	81369Y209	35,272	242	SH		SOLE	NONE	242	0	0
SELECT SECTOR SPDR	SBI CONS STPLS	81369Y308	179,197	2,340	SH		SOLE	NONE	2,340	0	0
SELECT SECTOR SPDR	SBI CONS DISCR	81369Y407	90,470	496	SH		DFND	NONE	496	0	0
SELECT SECTOR SPDR	SBI CONS DISCR	81369Y407	1,559,520	8,550	SH		SOLE	NONE	8,550	0	0
SELECT SECTOR SPDR	ENERGY	81369Y506	23,334	256	SH		DFND	NONE	256	0	0
SELECT SECTOR SPDR	ENERGY	81369Y506	87,322	958	SH		SOLE	NONE	958	0	0
SELECT SECTOR SPDR	FINANCIAL	81369Y605	1,644	40	SH		DFND	NONE	40	0	0
SELECT SECTOR SPDR	FINANCIAL	81369Y605	135,375	3,293	SH		SOLE	NONE	3,293	0	0
SELECT SECTOR SPDR	TECHNOLOGY	81369Y803	233,017	1,030	SH		DFND	NONE	1,030	0	0
SELECT SECTOR SPDR	TECHNOLOGY	81369Y803	1,183,409	5,231	SH		SOLE	NONE	5,231	0	0
SELECT SECTOR SPDR	SBI INT-UTILS	81369Y886	19,761	290	SH		DFND	NONE	290	0	0
SELECT SECTOR SPDR	SBI INT-UTILS	81369Y886	360,461	5,290	SH		SOLE	NONE	5,290	0	0
SEMPRA ENERGY	COM	816851109	7,606	100	SH		DFND	NONE	100	0	0
SEMPRA ENERGY	COM	816851109	22,666	298	SH		SOLE	NONE	298	0	0
SHOPIFY INC	CL A	82509L107	10,040	152	SH		SOLE	NONE	152	0	0
SMUCKER(JM)CO	COM NEW	832696405	11,340	104	SH		SOLE	NONE	104	0	0
SOUTHWEST AIRLINES	COM	844741108	2,861	100	SH		SOLE	NONE	100	0	0
SPDR DOW JONES IND	UT SER 1	78467X109	82,137	210	SH		DFND	NONE	210	0	0
SPDR DOW JONES IND	UT SER 1	78467X109	52,803	135	SH		SOLE	NONE	135	0	0
SPDR GOLD TRUST	GOLD SHS	78463V107	108,580	505	SH		SOLE	NONE	505	0	0
SPDR SERIES TRUST	S&P 600 SMCP VAL	78464A300	342,215	4,370	SH		SOLE	NONE	4,370	0	0
SSGA FUNDS MANAGEMENT INC	PORTFOLIO INTRMD	78464A375	22,434	689	SH		SOLE	NONE	689	0	0
SSGA FUNDS MANAGEMENT INC	PRTFLO S&P500 GW	78464A409	8,093	101	SH		SOLE	NONE	101	0	0
SSGA Funds Management	S&P METALS MNG	78464A755	5,933	100	SH		SOLE	NONE	100	0	0
SSGA Funds Management Inc	S&P DIVID ETF	78464A763	163,172	1,283	SH		DFND	NONE	1,283	0	0
SSGA Funds Management Inc	S&P DIVID ETF	78464A763	35,102	276	SH		SOLE	NONE	276	0	0
SSgA Funds Management Inc	TR UNIT	78462F103	603,540	1,109	SH		DFND	NONE	1,109	0	0
SSgA Funds Management Inc	TR UNIT	78462F103	2,165,996	3,980	SH		SOLE	NONE	3,980	0	0
SSgA Funds Management Inc	NUVEEN BLMBRG SH	78468R739	21,047	446	SH		SOLE	NONE	446	0	0
SSgA Funds Management Inc	INDL	81369Y704	127,110	1,043	SH		SOLE	NONE	1,043	0	0
SSgA Funds Management Inc	COMMUNICATION	81369Y852	94,226	1,100	SH		SOLE	NONE	1,100	0	0
SSgA Funds Management Inc	RL EST SEL SEC	81369Y860	55,387	1,442	SH		SOLE	NONE	1,442	0	0
STARBUCKS CORP	COM	855244109	10,447	134	SH		SOLE	NONE	134	0	0
STATE STREET ETF/USA	UTSER1 S&PDCRP	78467Y107	191,559	358	SH		SOLE	NONE	358	0	0
Schlumberger NV	COM STK	806857108	18,872	400	SH		DFND	NONE	400	0	0
Schlumberger NV	COM STK	806857108	18,353	389	SH		SOLE	NONE	389	0	0
Schwab ETFs/USA	US REIT ETF	808524847	9,366	469	SH		DFND	NONE	469	0	0
Schwab ETFs/USA	US REIT ETF	808524847	552,111	27,647	SH		SOLE	NONE	27,647	0	0
Schwab ETFs/USA	SHT TM US TRES	808524862	653,172	13,571	SH		DFND	NONE	13,571	0	0
Schwab ETFs/USA	SHT TM US TRES	808524862	37,229,553	773,521	SH		SOLE	NONE	773,521	0	0
Schwab Strategic Trust	SCHWB FDT EMK LG	808524730	546,187	18,471	SH		SOLE	NONE	18,471	0	0
Seagate Technology Holdings PL	ORD SHS	G7997R103	32,737	317	SH		DFND	NONE	317	0	0
Seagate Technology Holdings PL	ORD SHS	G7997R103	758,931	7,349	SH		SOLE	NONE	7,349	0	0
Skechers USA Inc	CL A	830566105	6,566	95	SH		SOLE	NONE	95	0	0
Snowflake Inc	CL A	833445109	1,361,707	10,080	SH		SOLE	NONE	10,080	0	0
Solventum Corp	None	83444M101	7,773	147	SH		DFND	NONE	147	0	0
Solventum Corp	None	83444M101	25,594	484	SH		SOLE	NONE	484	0	0
Southern Co/The	COM	842587107	50,188	647	SH		DFND	NONE	647	0	0
Southern Co/The	COM	842587107	1,603,139	20,667	SH		SOLE	NONE	20,667	0	0
State Street Corp	COM	857477103	22,422	303	SH		DFND	NONE	303	0	0
State Street Corp	COM	857477103	56,388	762	SH		SOLE	NONE	762	0	0
Stratasys Ltd	SHS	M85548101	17	2	SH		DFND	NONE	2	0	0
Stryker Corp	COM	863667101	252,466	742	SH		DFND	NONE	742	0	0
Stryker Corp	COM	863667101	2,065,998	6,072	SH		SOLE	NONE	6,072	0	0
Synopsys Inc	COM	871607107	40,464	68	SH		DFND	NONE	68	0	0
Synopsys Inc	COM	871607107	867,597	1,458	SH		SOLE	NONE	1,458	0	0
Sysco Corp	COM	871829107	9,709	136	SH		DFND	NONE	136	0	0
Sysco Corp	COM	871829107	116,437	1,631	SH		SOLE	NONE	1,631	0	0
T Rowe Price Group Inc	COM	74144T108	40,359	350	SH		DFND	NONE	350	0	0
T-MOBILE US INC	COM	872590104	11,495	65	SH		SOLE	NONE	65	0	0
TE Connectivity Ltd	SHS	H84989104	7,672	51	SH		SOLE	NONE	51	0	0
TEXAS INSTRUMENTS	COM	882508104	38,906	200	SH		DFND	NONE	200	0	0
TEXAS INSTRUMENTS	COM	882508104	99,988	514	SH		SOLE	NONE	514	0	0
TJX Cos Inc/The	COM	872540109	168,388	1,529	SH		SOLE	NONE	1,529	0	0
TORONTO-DOMINION	COM NEW	891160509	129,925	2,364	SH		SOLE	NONE	2,364	0	0
TOYOTA MOTOR CORP	ADS	892331307	50,218	245	SH		SOLE	NONE	245	0	0
TRACTOR SUPPLY CO	COM	892356106	36,450	135	SH		DFND	NONE	135	0	0
TRACTOR SUPPLY CO	COM	892356106	996,030	3,689	SH		SOLE	NONE	3,689	0	0
TRAVELERS CO INC	COM	89417E109	39,041	192	SH		SOLE	NONE	192	0	0
TSMC	SPONSORED ADS	874039100	26,593	153	SH		SOLE	NONE	153	0	0
Takeda Pharmaceutical Co Ltd	SPONSORED ADS	874060205	2,407	186	SH		DFND	NONE	186	0	0
Target Corp	COM	87612E106	140,276	948	SH		SOLE	NONE	948	0	0
Teladoc Health Inc	COM	87918A105	391	40	SH		SOLE	NONE	40	0	0
Tellurian Inc	COM	87968A104	5,895	8,511	SH		SOLE	NONE	8,511	0	0
Tesla Inc	COM	88160R101	211,732	1,070	SH		SOLE	NONE	1,070	0	0
Textron Inc	COM	883203101	10,046	117	SH		SOLE	NONE	117	0	0
Thermo Fisher Scientific Inc	COM	883556102	179,172	324	SH		SOLE	NONE	324	0	0
TotalEnergies SE	SPONSORED ADS	89151E109	16,203	243	SH		SOLE	NONE	243	0	0
Tradeweb Markets Inc	CL A	892672106	49,078	463	SH		DFND	NONE	463	0	0
Tradeweb Markets Inc	CL A	892672106	760,656	7,176	SH		SOLE	NONE	7,176	0	0
Trane Technologies PLC	SHS	G8994E103	257,552	783	SH		SOLE	NONE	783	0	0
Trimble Inc	COM	896239100	11,184	200	SH		SOLE	NONE	200	0	0
Truist Financial Corp	COM	89832Q109	12,044	310	SH		SOLE	NONE	310	0	0
Tyler Technologies Inc	COM	902252105	31,675	63	SH		SOLE	NONE	63	0	0
Tyson Foods Inc	CL A	902494103	20,285	355	SH		DFND	NONE	355	0	0
Tyson Foods Inc	CL A	902494103	934,468	16,354	SH		SOLE	NONE	16,354	0	0
US Bancorp	COM NEW	902973304	19,334	487	SH		SOLE	NONE	487	0	0
UTD PARCEL SERV	CL B	911312106	64,456	471	SH		DFND	NONE	471	0	0
UTD PARCEL SERV	CL B	911312106	722,157	5,277	SH		SOLE	NONE	5,277	0	0
UiPath Inc	CL A	90364P105	850,067	67,040	SH		SOLE	NONE	67,040	0	0
Ulta Beauty Inc	COM	90384S303	5,016	13	SH		SOLE	NONE	13	0	0
Unilever PLC	SPON ADR NEW	904767704	25,790	469	SH		SOLE	NONE	469	0	0
Union Pacific Corp	COM	907818108	99,781	441	SH		SOLE	NONE	441	0	0
United Rentals Inc	COM	911363109	64,026	99	SH		SOLE	NONE	99	0	0
UnitedHealth Group Inc	COM	91324P102	398,832	783	SH		SOLE	NONE	783	0	0
VANGUARD	S&P 500 ETF SHS	922908363	216,056	432	SH		DFND	NONE	432	0	0
VANGUARD	S&P 500 ETF SHS	922908363	12,307,199	24,608	SH		SOLE	NONE	24,608	0	0
VANGUARD ETF/USA	DIV APP ETF	921908844	32,859	180	SH		SOLE	NONE	180	0	0
VANGUARD ETF/USA	INTERMED TERM	921937819	22,841	305	SH		DFND	NONE	305	0	0
VANGUARD ETF/USA	INTERMED TERM	921937819	2,022	27	SH		SOLE	NONE	27	0	0
VANGUARD ETF/USA	TT WRLD ST ETF	922042742	2,477,860	22,000	SH		SOLE	NONE	22,000	0	0
VANGUARD ETF/USA	FTSE EMR MKT ETF	922042858	518,906	11,858	SH		DFND	NONE	11,858	0	0
VANGUARD ETF/USA	FTSE EMR MKT ETF	922042858	13,150,299	300,510	SH		SOLE	NONE	300,510	0	0
VANGUARD ETF/USA	CONSUM DIS ETF	92204A108	43,102	138	SH		SOLE	NONE	138	0	0
VANGUARD ETF/USA	SHRT TRM CORP BD	92206C409	15,455	200	SH		DFND	NONE	200	0	0
VANGUARD ETF/USA	SHRT TRM CORP BD	92206C409	59,734	773	SH		SOLE	NONE	773	0	0
VANGUARD ETF/USA	INT-TERM CORP	92206C870	4,396	55	SH		SOLE	NONE	55	0	0
VANGUARD ETF/USA	SM CP VAL ETF	922908611	4,720,515	25,863	SH		SOLE	NONE	25,863	0	0
VANGUARD ETF/USA	TOTAL STK MKT	922908769	9,095	34	SH		SOLE	NONE	34	0	0
VANGUARD GROUP INC/THE	LG-TERM COR BD	92206C813	711,946	9,385	SH		DFND	NONE	9,385	0	0
VANGUARD WHITEHALL	HIGH DIV YLD	921946406	3,440,230	29,007	SH		DFND	NONE	29,007	0	0
VANGUARD WHITEHALL	HIGH DIV YLD	921946406	5,218	44	SH		SOLE	NONE	44	0	0
VERIZON COMMUN	COM	92343V104	192,302	4,663	SH		DFND	NONE	4,663	0	0
VERIZON COMMUN	COM	92343V104	3,353,059	81,306	SH		SOLE	NONE	81,306	0	0
VIATRIS INC	COM	92556V106	3,189	300	SH		DFND	NONE	300	0	0
VIATRIS INC	COM	92556V106	3,232	304	SH		SOLE	NONE	304	0	0
VISA INC	COM CL A	92826C839	268,769	1,024	SH		DFND	NONE	1,024	0	0
VISA INC	COM CL A	92826C839	2,401,637	9,150	SH		SOLE	NONE	9,150	0	0
Vail Resorts Inc	COM	91879Q109	4,503	25	SH		DFND	NONE	25	0	0
Valero Energy Corp	COM	91913Y100	14,735	94	SH		DFND	NONE	94	0	0
Valero Energy Corp	COM	91913Y100	805,903	5,141	SH		SOLE	NONE	5,141	0	0
Vanguard ETF/USA	MEGA GRWTH IND	921910816	39,276	125	SH		SOLE	NONE	125	0	0
Vanguard ETF/USA	VAN FTSE DEV MKT	921943858	424,617	8,592	SH		DFND	NONE	8,592	0	0
Vanguard ETF/USA	VAN FTSE DEV MKT	921943858	2,110,629	42,708	SH		SOLE	NONE	42,708	0	0
Vanguard ETF/USA	ALLWRLD EX US	922042775	61,279	1,045	SH		SOLE	NONE	1,045	0	0
Vanguard ETF/USA	MCAP VL IDXVIP	922908512	6,193,354	41,171	SH		SOLE	NONE	41,171	0	0
Vanguard ETF/USA	MID CAP ETF	922908629	429,728	1,775	SH		DFND	NONE	1,775	0	0
Vanguard ETF/USA	MID CAP ETF	922908629	1,386,023	5,725	SH		SOLE	NONE	5,725	0	0
Vanguard ETF/USA	GROWTH ETF	922908736	141,376	378	SH		SOLE	NONE	378	0	0
Vanguard ETF/USA	SMALL CP ETF	922908751	742,862	3,407	SH		SOLE	NONE	3,407	0	0
Vanguard Group Inc/The	ESG INTL STK ETF	921910725	25,772	450	SH		SOLE	NONE	450	0	0
Vanguard Group Inc/The	TOTAL BND MRKT	921937835	23,056	320	SH		DFND	NONE	320	0	0
Vanguard Group Inc/The	FTSE SMCAP ETF	922042718	2,350	20	SH		SOLE	NONE	20	0	0
Vanguard Group Inc/The	INTER TERM TREAS	92206C706	1,396,355	23,980	SH		DFND	NONE	23,980	0	0
Vanguard Group Inc/The	INTER TERM TREAS	92206C706	79,279,155	1,361,483	SH		SOLE	NONE	1,361,483	0	0
Vanguard Group Inc/The	MTG-BKD SECS ETF	92206C771	8,717	192	SH		DFND	NONE	192	0	0
Vanguard Group Inc/The	MTG-BKD SECS ETF	92206C771	10,442	230	SH		SOLE	NONE	230	0	0
Vanguard Group Inc/The	MCAP GR IDXVIP	922908538	101,006	440	SH		SOLE	NONE	440	0	0
Vanguard Group Inc/The	REAL ESTATE ETF	922908553	184,104	2,198	SH		DFND	NONE	2,198	0	0
Vanguard Group Inc/The	REAL ESTATE ETF	922908553	1,873,292	22,365	SH		SOLE	NONE	22,365	0	0
Vanguard Group Inc/The	SML CP GRW ETF	922908595	52,777	211	SH		SOLE	NONE	211	0	0
Vanguard Group Inc/The	EXTEND MKT ETF	922908652	51,312	304	SH		SOLE	NONE	304	0	0
Vanguard Group Inc/The	VALUE ETF	922908744	286,492	1,786	SH		SOLE	NONE	1,786	0	0
Veralto Corp	COM SHS	92338C103	40,957	429	SH		SOLE	NONE	429	0	0
Vertex Pharmaceuticals Inc	COM	92532F100	100,775	215	SH		DFND	NONE	215	0	0
Vertex Pharmaceuticals Inc	COM	92532F100	2,790,290	5,953	SH		SOLE	NONE	5,953	0	0
Vicor Corp	COM	925815102	1,658	50	SH		SOLE	NONE	50	0	0
Virtu Financial Inc	CL A	928254101	15,984	712	SH		DFND	NONE	712	0	0
Virtu Financial Inc	CL A	928254101	759,775	33,843	SH		SOLE	NONE	33,843	0	0
Vodafone Group PLC	SPONSORED ADR	92857W308	3,255	367	SH		SOLE	NONE	367	0	0
Vontier Corp	COM	928881101	1,299	34	SH		SOLE	NONE	34	0	0
WASTE MANAGEMENT	COM	94106L109	260,915	1,223	SH		SOLE	NONE	1,223	0	0
WD-40 Co	COM	929236107	77,094	351	SH		SOLE	NONE	351	0	0
WELLS FARGO & CO	COM	949746101	59,509	1,002	SH		DFND	NONE	1,002	0	0
WELLS FARGO & CO	COM	949746101	138,854	2,338	SH		SOLE	NONE	2,338	0	0
WESTN DIGITAL CORP	COM	958102105	1,743	23	SH		DFND	NONE	23	0	0
WEX Inc	COM	96208T104	67,313	380	SH		SOLE	NONE	380	0	0
WISDOMTREE ETFS/USA	EMER MKT HIGH FD	97717W315	24,297	561	SH		SOLE	NONE	561	0	0
WISDOMTREE ETFS/USA	INTL SMCAP DIV	97717W760	8,247	130	SH		SOLE	NONE	130	0	0
WORLD GOLD TRUST SERVICES LLC	SPDR GLD MINIS	98149E303	190,582	4,135	SH		DFND	NONE	4,135	0	0
WORLD GOLD TRUST SERVICES LLC	SPDR GLD MINIS	98149E303	9,788,779	212,384	SH		SOLE	NONE	212,384	0	0
WP Carey Inc	COM	92936U109	46,793	850	SH		DFND	NONE	850	0	0
WW Grainger Inc	COM	384802104	6,316	7	SH		SOLE	NONE	7	0	0
Walgreens Boots Alliance Inc	COM	931427108	1,330	110	SH		SOLE	NONE	110	0	0
Walmart Inc	COM	931142103	223,443	3,300	SH		DFND	NONE	3,300	0	0
Walmart Inc	COM	931142103	2,906,963	42,933	SH		SOLE	NONE	42,933	0	0
Walt Disney Co/The	COM	254687106	78,538	791	SH		DFND	NONE	791	0	0
Walt Disney Co/The	COM	254687106	1,495,705	15,064	SH		SOLE	NONE	15,064	0	0
Warner Bros Discovery Inc	COM SER A	934423104	402	54	SH		DFND	NONE	54	0	0
Warner Bros Discovery Inc	COM SER A	934423104	8,489	1,141	SH		SOLE	NONE	1,141	0	0
Waters Corp	COM	941848103	1,741	6	SH		DFND	NONE	6	0	0
Waters Corp	COM	941848103	18,568	64	SH		SOLE	NONE	64	0	0
Webster Financial Corp	COM	947890109	26,154	600	SH		SOLE	NONE	600	0	0
Wendy's Co/The	COM	95058W100	8,480	500	SH		DFND	NONE	500	0	0
Weyerhaeuser Co	COM NEW	962166104	13,173	464	SH		SOLE	NONE	464	0	0
Whirlpool Corp	COM	963320106	9,709	95	SH		DFND	NONE	95	0	0
Williams Cos Inc/The	COM	969457100	7,863	185	SH		SOLE	NONE	185	0	0
Williams-Sonoma Inc	COM	969904101	179,587	636	SH		SOLE	NONE	636	0	0
WisdomTree Asset Management Inc	US QTLY DIV GRT	97717X669	14,049	180	SH		SOLE	NONE	180	0	0
Woodside Energy Group Ltd	SPONSORED ADR	980228308	3,311	176	SH		DFND	NONE	176	0	0
Xcel Energy Inc	COM	98389B100	13,353	250	SH		SOLE	NONE	250	0	0
Xerox Holdings Corp	COM NEW	98421M106	930	80	SH		SOLE	NONE	80	0	0
Xylem Inc/NY	COM	98419M100	20,345	150	SH		SOLE	NONE	150	0	0
YUM BRANDS INC	COM	988498101	397	3	SH		DFND	NONE	3	0	0
Yum China Holdings Inc	COM	98850P109	93	3	SH		DFND	NONE	3	0	0
iShares ETFs/USA	ESG AWRE USD ETF	46435G193	20,289	893	SH		SOLE	NONE	893	0	0
iShares ETFs/USA	ESG AWRE 1 5 YR	46435G243	512,086	20,910	SH		SOLE	NONE	20,910	0	0
iShares ETFs/USA	ESG AWR MSCI USA	46435G425	2,798,651	23,455	SH		SOLE	NONE	23,455	0	0
iShares ETFs/USA	MSCI USA SMCP MN	46435G433	7,907	212	SH		SOLE	NONE	212	0	0
iShares ETFs/USA	ESG AWR US AGRGT	46435U549	522,778	11,216	SH		SOLE	NONE	11,216	0	0
iShares ETFs/USA	BROAD USD HIGH	46435U853	10,449	288	SH		SOLE	NONE	288	0	0
iShares ETFs/USA	0-3 MNTH TREASRY	46436E718	8,258	82	SH		DFND	NONE	82	0	0
iShares ETFs/USA	0-3 MNTH TREASRY	46436E718	12,366,785	122,796	SH		SOLE	NONE	122,796	0	0