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	80,516	589	SH		DFND	NONE	589	0	0
3M Co	COM	88579Y101	370,184	2,708	SH		SOLE	NONE	2,708	0	0
5TH THIRD BANCORP	COM	316773100	27,846	650	SH		SOLE	NONE	650	0	0
ABERDEEN STANDARD	BBRG ALL COMD K1	003261104	26,572	1,300	SH		SOLE	NONE	1,300	0	0
ADAMS EXPRESS COMPANY	COM	006212104	13,647	633	SH		SOLE	NONE	633	0	0
ADVANCED MICRO DEV	COM	007903107	204,772	1,248	SH		SOLE	NONE	1,248	0	0
ALBEMARLE CORP	COM	012653101	82,966	876	SH		SOLE	NONE	876	0	0
ALCON AG	ORD SHS	H01301128	11,208	112	SH		SOLE	NONE	112	0	0
ALPHABET INC	CAP STK CL A	02079K305	289,408	1,745	SH		DFND	NONE	1,745	0	0
ALPHABET INC	CAP STK CL A	02079K305	5,115,733	30,846	SH		SOLE	NONE	30,846	0	0
ALTRIA GROUP INC	COM	02209S103	56,144	1,100	SH		DFND	NONE	1,100	0	0
ALTRIA GROUP INC	COM	02209S103	532,602	10,435	SH		SOLE	NONE	10,435	0	0
AMC Entertainment Holdings Inc	CL A NEW	00165C302	910	200	SH		SOLE	NONE	200	0	0
AMER EXPRESS CO	COM	025816109	596,727	2,200	SH		SOLE	NONE	2,200	0	0
AMER INTL GRP	COM NEW	026874784	8,641	118	SH		SOLE	NONE	118	0	0
ANALOG DEVICES INC	COM	032654105	255,719	1,111	SH		SOLE	NONE	1,111	0	0
ANSYS, INC.	COM	03662Q105	43,971	138	SH		SOLE	NONE	138	0	0
APPLIED MATERIALS	COM	038222105	110,117	545	SH		DFND	NONE	545	0	0
APPLIED MATERIALS	COM	038222105	3,317,136	16,417	SH		SOLE	NONE	16,417	0	0
ARK Investment Management LLC	INNOVATION ETF	00214Q104	3,565	75	SH		SOLE	NONE	75	0	0
ASML HOLDING NV	N Y REGISTRY SHS	N07059210	5,833	7	SH		SOLE	NONE	7	0	0
AT&T INC	COM	00206R102	168,718	7,669	SH		DFND	NONE	7,669	0	0
AT&T INC	COM	00206R102	1,455,434	66,156	SH		SOLE	NONE	66,156	0	0
AUTOMATIC DATA PROCESSING	COM	053015103	390,743	1,412	SH		DFND	NONE	1,412	0	0
AUTOMATIC DATA PROCESSING	COM	053015103	1,063,197	3,842	SH		SOLE	NONE	3,842	0	0
AUTOZONE INC	COM	053332102	144,902	46	SH		SOLE	NONE	46	0	0
AbbVie Inc	COM	00287Y109	239,148	1,211	SH		DFND	NONE	1,211	0	0
AbbVie Inc	COM	00287Y109	2,532,484	12,824	SH		SOLE	NONE	12,824	0	0
Abbott Laboratories	COM	002824100	38,991	342	SH		DFND	NONE	342	0	0
Abbott Laboratories	COM	002824100	613,716	5,383	SH		SOLE	NONE	5,383	0	0
Accenture PLC	SHS CLASS A	G1151C101	35,348	100	SH		DFND	NONE	100	0	0
Accenture PLC	SHS CLASS A	G1151C101	353,833	1,001	SH		SOLE	NONE	1,001	0	0
Adobe Inc	COM	00724F101	86,469	167	SH		DFND	NONE	167	0	0
Adobe Inc	COM	00724F101	2,233,703	4,314	SH		SOLE	NONE	4,314	0	0
Aflac Inc	COM	001055102	120,744	1,080	SH		SOLE	NONE	1,080	0	0
Air Products and Chemicals Inc	COM	009158106	29,476	99	SH		SOLE	NONE	99	0	0
Alibaba Group Holding Ltd	SPONSORED ADS	01609W102	19,526	184	SH		SOLE	NONE	184	0	0
Alliant Energy Corp	COM	018802108	11,713	193	SH		SOLE	NONE	193	0	0
Alphabet Inc	CAP STK CL C	02079K107	171,704	1,027	SH		DFND	NONE	1,027	0	0
Alphabet Inc	CAP STK CL C	02079K107	3,420,494	20,450	SH		SOLE	NONE	20,450	0	0
Amazon.com Inc	COM	023135106	125,586	674	SH		DFND	NONE	674	0	0
Amazon.com Inc	COM	023135106	3,991,748	21,423	SH		SOLE	NONE	21,423	0	0
Amcor PLC	ORD	G0250X107	33,990	3,000	SH		SOLE	NONE	3,000	0	0
American Electric Power Co Inc	COM	025537101	53,762	524	SH		SOLE	NONE	524	0	0
American Tower Corp	COM	03027X100	20,930	90	SH		SOLE	NONE	90	0	0
American Water Works Co Inc	COM	030420103	96,665	661	SH		DFND	NONE	661	0	0
American Water Works Co Inc	COM	030420103	1,906,092	13,034	SH		SOLE	NONE	13,034	0	0
Ameriprise Financial Inc	COM	03076C106	38,055	81	SH		SOLE	NONE	81	0	0
Amgen Inc	COM	031162100	28,999	90	SH		DFND	NONE	90	0	0
Amgen Inc	COM	031162100	1,972,570	6,122	SH		SOLE	NONE	6,122	0	0
Amphenol Corp	CL A	032095101	6,907	106	SH		SOLE	NONE	106	0	0
Aon PLC	SHS CL A	G0403H108	824,494	2,383	SH		SOLE	NONE	2,383	0	0
Apple Inc	COM	037833100	443,166	1,902	SH		DFND	NONE	1,902	0	0
Apple Inc	COM	037833100	16,039,789	68,840	SH		SOLE	NONE	68,840	0	0
Aptiv PLC	SHS	G6095L109	897,965	12,470	SH		SOLE	NONE	12,470	0	0
Archer-Daniels-Midland Co	COM	039483102	59,740	1,000	SH		DFND	NONE	1,000	0	0
Archer-Daniels-Midland Co	COM	039483102	835,344	13,983	SH		SOLE	NONE	13,983	0	0
Arthur J Gallagher & Co	COM	363576109	116,487	414	SH		SOLE	NONE	414	0	0
AstraZeneca PLC	SPONSORED ADR	046353108	13,245	170	SH		SOLE	NONE	170	0	0
Atmos Energy Corp	COM	049560105	10,542	76	SH		SOLE	NONE	76	0	0
Avanos Medical Inc	COM	05350V106	745	31	SH		DFND	NONE	31	0	0
BALL CORP	COM	058498106	2,241	33	SH		SOLE	NONE	33	0	0
BARCLAYS CAPITAL INC	DJUBS CMDT ETN36	06738C778	9,672	300	SH		DFND	NONE	300	0	0
BARCLAYS CAPITAL INC	DJUBS CMDT ETN36	06738C778	495,883	15,381	SH		SOLE	NONE	15,381	0	0
BARRICK GOLD CORP	COM	067901108	419,062	21,069	SH		SOLE	NONE	21,069	0	0
BAXTER INTL INC	COM	071813109	9,493	250	SH		DFND	NONE	250	0	0
BAXTER INTL INC	COM	071813109	1,519	40	SH		SOLE	NONE	40	0	0
BECTON DICKINSON	COM	075887109	48,220	200	SH		DFND	NONE	200	0	0
BECTON DICKINSON	COM	075887109	62,204	258	SH		SOLE	NONE	258	0	0
BHP BILLITON LTD	SPONSORED ADS	088606108	29,937	482	SH		DFND	NONE	482	0	0
BHP BILLITON LTD	SPONSORED ADS	088606108	23,353	376	SH		SOLE	NONE	376	0	0
BK OF AMERICA CORP	COM	060505104	140,507	3,541	SH		DFND	NONE	3,541	0	0
BK OF AMERICA CORP	COM	060505104	128,166	3,230	SH		SOLE	NONE	3,230	0	0
BOEING CO	COM	097023105	66,137	435	SH		SOLE	NONE	435	0	0
BP PLC	SPONSORED ADR	055622104	6,247	199	SH		DFND	NONE	199	0	0
BP PLC	SPONSORED ADR	055622104	29,883	952	SH		SOLE	NONE	952	0	0
BRIGHTHOUSE FINANCIAL INC.	COM	10922N103	766	17	SH		DFND	NONE	17	0	0
BRISTOL-MYRS SQUIB	COM	110122108	141,302	2,731	SH		DFND	NONE	2,731	0	0
BRISTOL-MYRS SQUIB	COM	110122108	2,070,221	40,012	SH		SOLE	NONE	40,012	0	0
BROADRIDGE FIN SOL	COM	11133T103	72,680	338	SH		DFND	NONE	338	0	0
BROADRIDGE FIN SOL	COM	11133T103	24,513	114	SH		SOLE	NONE	114	0	0
Banco Santander SA	ADR	05964H105	111,874	21,936	SH		SOLE	NONE	21,936	0	0
Bar Harbor Bankshares	COM	066849100	154,200	5,000	SH		DFND	NONE	5,000	0	0
Bar Harbor Bankshares	COM	066849100	97,917	3,175	SH		SOLE	NONE	3,175	0	0
Berkshire Hathaway Inc	CL B NEW	084670702	66,738	145	SH		DFND	NONE	145	0	0
Berkshire Hathaway Inc	CL B NEW	084670702	2,183,473	4,744	SH		SOLE	NONE	4,744	0	0
Biogen Inc	COM	09062X103	5,428	28	SH		SOLE	NONE	28	0	0
BlackRock Fund Advisors	MSCI CDA ETF	464286509	2,118	51	SH		SOLE	NONE	51	0	0
BlackRock Fund Advisors	7-10 YR TRSY BD	464287440	70,843	722	SH		SOLE	NONE	722	0	0
BlackRock Fund Advisors	MSCI EAFE ETF	464287465	220,700	2,639	SH		DFND	NONE	2,639	0	0
BlackRock Fund Advisors	MSCI EAFE ETF	464287465	314,616	3,762	SH		SOLE	NONE	3,762	0	0
BlackRock Fund Advisors	S&P MC 400GR ETF	464287606	57,824	629	SH		DFND	NONE	629	0	0
BlackRock Fund Advisors	S&P MC 400GR ETF	464287606	862,120	9,378	SH		SOLE	NONE	9,378	0	0
BlackRock Fund Advisors	CORE S&P SCP ETF	464287804	1,608,317	13,751	SH		DFND	NONE	13,751	0	0
BlackRock Fund Advisors	CORE S&P SCP ETF	464287804	54,604,447	466,864	SH		SOLE	NONE	466,864	0	0
BlackRock Fund Advisors	INTL TREA BD ETF	464288117	6,273	150	SH		DFND	NONE	150	0	0
BlackRock Fund Advisors	SHRT NAT MUN ETF	464288158	1,740,170	16,387	SH		SOLE	NONE	16,387	0	0
BlackRock Fund Advisors	INTL SEL DIV ETF	464288448	4,522,075	149,589	SH		DFND	NONE	149,589	0	0
BlackRock Fund Advisors	INTL SEL DIV ETF	464288448	6,422,122	212,442	SH		SOLE	NONE	212,442	0	0
BlackRock Fund Advisors	MSCI KLD400 SOC	464288570	332,897	3,060	SH		DFND	NONE	3,060	0	0
BlackRock Fund Advisors	MSCI KLD400 SOC	464288570	2,685,699	24,687	SH		SOLE	NONE	24,687	0	0
BlackRock Fund Advisors	3 7 YR TREAS BD	464288661	86,833	726	SH		DFND	NONE	726	0	0
BlackRock Fund Advisors	3 7 YR TREAS BD	464288661	1,521,017	12,717	SH		SOLE	NONE	12,717	0	0
BlackRock Fund Advisors	CORE MSCI EMKT	46434G103	838,321	14,602	SH		SOLE	NONE	14,602	0	0
BlackRock Fund Advisors	MSCI EMRG CHN	46434G764	110,120	1,802	SH		SOLE	NONE	1,802	0	0
BlackRock Fund Advisors	ESG AWR MSCI EM	46434G863	129,365	3,553	SH		SOLE	NONE	3,553	0	0
BlackRock Fund Advisors	ESG AWRE USD ETF	46435G193	8,802	370	SH		SOLE	NONE	370	0	0
BlackRock Fund Advisors	INVESTMENT GRADE	46435G219	9,805	211	SH		SOLE	NONE	211	0	0
BlackRock Fund Advisors	ESG AWRE 1 5 YR	46435G243	42,269	1,680	SH		SOLE	NONE	1,680	0	0
BlackRock Fund Advisors	ESG AWR MSCI USA	46435G425	842,630	6,678	SH		SOLE	NONE	6,678	0	0
BlackRock Inc	COM	09247X101	1,561,944	1,645	SH		SOLE	NONE	1,645	0	0
Blackstone Inc	COM	09260D107	8,575	56	SH		SOLE	NONE	56	0	0
Booking Holdings Inc	COM	09857L108	29,485	7	SH		SOLE	NONE	7	0	0
Boston Scientific Corp	COM	101137107	12,570	150	SH		SOLE	NONE	150	0	0
BrainStorm Cell Therapeutics I	COM NEW	10501E201	921	4,000	SH		SOLE	NONE	4,000	0	0
Broadcom Inc	COM	11135F101	23,288	135	SH		DFND	NONE	135	0	0
Broadcom Inc	COM	11135F101	744,165	4,314	SH		SOLE	NONE	4,314	0	0
CAMECO CORP	COM	13321L108	20,776	435	SH		DFND	NONE	435	0	0
CARNIVAL CORP	UNIT 99/99/9999	143658300	1,848	100	SH		SOLE	NONE	100	0	0
CARRIER GLOBAL CORP	COM	14448C104	86,527	1,075	SH		DFND	NONE	1,075	0	0
CARRIER GLOBAL CORP	COM	14448C104	92,564	1,150	SH		SOLE	NONE	1,150	0	0
CDN NATL RAILWAYS	COM	136375102	73,102	624	SH		SOLE	NONE	624	0	0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	EMRG MKTEQ ETF	808524706	13,540	464	SH		DFND	NONE	464	0	0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	EMRG MKTEQ ETF	808524706	4,663,173	159,807	SH		SOLE	NONE	159,807	0	0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	US DIVIDEND EQ	808524797	11,242	133	SH		DFND	NONE	133	0	0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	US DIVIDEND EQ	808524797	2,574,023	30,451	SH		SOLE	NONE	30,451	0	0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	US TIPS ETF	808524870	12,710	237	SH		SOLE	NONE	237	0	0
CHUBB LIMITED COM	COM	H1467J104	46,719	162	SH		SOLE	NONE	162	0	0
CINTAS CORP	COM	172908105	1,853	9	SH		SOLE	NONE	9	0	0
CISCO SYSTEMS	COM	17275R102	43,907	825	SH		DFND	NONE	825	0	0
CISCO SYSTEMS	COM	17275R102	2,057,485	38,660	SH		SOLE	NONE	38,660	0	0
CLEVELAND CLIFFS COM	COM	185899101	12,770	1,000	SH		SOLE	NONE	1,000	0	0
CME Group Inc	COM	12572Q105	26,037	118	SH		SOLE	NONE	118	0	0
COLGATE-PALMOLIVE	COM	194162103	107,132	1,032	SH		SOLE	NONE	1,032	0	0
CONOCOPHILLIPS	COM	20825C104	18,950	180	SH		DFND	NONE	180	0	0
CONOCOPHILLIPS	COM	20825C104	220,772	2,097	SH		SOLE	NONE	2,097	0	0
CORNING INC	COM	219350105	21,988	487	SH		DFND	NONE	487	0	0
CORNING INC	COM	219350105	1,607,430	35,602	SH		SOLE	NONE	35,602	0	0
CSX CORP	COM	126408103	37,292	1,080	SH		DFND	NONE	1,080	0	0
CSX CORP	COM	126408103	397,958	11,525	SH		SOLE	NONE	11,525	0	0
CUMMINS INC	COM	231021106	46,137	142	SH		SOLE	NONE	142	0	0
CVS Health Corp	COM	126650100	16,034	255	SH		DFND	NONE	255	0	0
CVS Health Corp	COM	126650100	71,620	1,139	SH		SOLE	NONE	1,139	0	0
Camden National Corp	COM	133034108	49,006	1,186	SH		SOLE	NONE	1,186	0	0
Capital One Financial Corp	COM	14040H105	26,203	175	SH		DFND	NONE	175	0	0
Capital One Financial Corp	COM	14040H105	40,876	273	SH		SOLE	NONE	273	0	0
Cardinal Health Inc	COM	14149Y108	44,650	404	SH		SOLE	NONE	404	0	0
Carmell Corp	COM	142922103	13,895	34,608	SH		SOLE	NONE	34,608	0	0
Catalyst Pharmaceuticals Inc	COM	14888U101	1,988	100	SH		SOLE	NONE	100	0	0
Caterpillar Inc	COM	149123101	195,560	500	SH		DFND	NONE	500	0	0
Caterpillar Inc	COM	149123101	261,659	669	SH		SOLE	NONE	669	0	0
Celsius Holdings Inc	COM NEW	15118V207	33,367	1,064	SH		DFND	NONE	1,064	0	0
Celsius Holdings Inc	COM NEW	15118V207	743,608	23,712	SH		SOLE	NONE	23,712	0	0
Charles Schwab Corp/The	COM	808513105	2,981	46	SH		SOLE	NONE	46	0	0
Charles Schwab Investment Management Inc	US BRD MKT ETF	808524102	110,812	1,666	SH		SOLE	NONE	1,666	0	0
Charles Schwab Investment Management Inc	US LRG CAP ETF	808524201	15,063	222	SH		DFND	NONE	222	0	0
Charles Schwab Investment Management Inc	US LRG CAP ETF	808524201	80,871,315	1,191,913	SH		SOLE	NONE	1,191,913	0	0
Charles Schwab Investment Management Inc	US LCAP GR ETF	808524300	68,759	660	SH		SOLE	NONE	660	0	0
Charles Schwab Investment Management Inc	US MID-CAP ETF	808524508	49,106	591	SH		DFND	NONE	591	0	0
Charles Schwab Investment Management Inc	US MID-CAP ETF	808524508	17,173,374	206,684	SH		SOLE	NONE	206,684	0	0
Charles Schwab Investment Management Inc	US SML CAP ETF	808524607	49,646	964	SH		DFND	NONE	964	0	0
Charles Schwab Investment Management Inc	US SML CAP ETF	808524607	16,320,373	316,900	SH		SOLE	NONE	316,900	0	0
Charles Schwab Investment Management Inc	FUNDAMENTAL EMER	808524730	565,790	17,533	SH		SOLE	NONE	17,533	0	0
Charles Schwab Investment Management Inc	INTL EQTY ETF	808524805	62,996	1,532	SH		DFND	NONE	1,532	0	0
Charles Schwab Investment Management Inc	INTL EQTY ETF	808524805	21,148,722	514,317	SH		SOLE	NONE	514,317	0	0
Charles Schwab Investment Management Inc	US AGGREGATE B	808524839	1,974,538	41,552	SH		SOLE	NONE	41,552	0	0
Charles Schwab Investment Management Inc	INT-TRM U.S TRES	808524854	506,708	10,014	SH		SOLE	NONE	10,014	0	0
Chemours Co/The	COM	163851108	711	35	SH		DFND	NONE	35	0	0
Chesapeake Energy Corp	COM	165167735	16,450	200	SH		DFND	NONE	200	0	0
Chevron Corp	COM	166764100	93,222	633	SH		DFND	NONE	633	0	0
Chevron Corp	COM	166764100	2,739,075	18,599	SH		SOLE	NONE	18,599	0	0
Chewy Inc	CL A	16679L109	1,142	39	SH		SOLE	NONE	39	0	0
Church & Dwight Co Inc	COM	171340102	89,954	859	SH		SOLE	NONE	859	0	0
Cigna Group/The	COM	125523100	8,661	25	SH		SOLE	NONE	25	0	0
Cincinnati Financial Corp	COM	172062101	40,836	300	SH		SOLE	NONE	300	0	0
Citigroup Inc	COM NEW	172967424	100,473	1,605	SH		DFND	NONE	1,605	0	0
Citigroup Inc	COM NEW	172967424	1,690,951	27,012	SH		SOLE	NONE	27,012	0	0
Clorox Co/The	COM	189054109	26,066	160	SH		DFND	NONE	160	0	0
Clorox Co/The	COM	189054109	363,126	2,229	SH		SOLE	NONE	2,229	0	0
Coca-Cola Co/The	COM	191216100	53,248	741	SH		DFND	NONE	741	0	0
Coca-Cola Co/The	COM	191216100	757,502	10,541	SH		SOLE	NONE	10,541	0	0
Cognition Therapeutics Inc	COM	19243B102	15,941	34,019	SH		SOLE	NONE	34,019	0	0
Coherent Corp	COM	19247G107	236,323	2,658	SH		SOLE	NONE	2,658	0	0
Comcast Corp	CL A	20030N101	848,140	20,305	SH		SOLE	NONE	20,305	0	0
Commerce Bancshares Inc/MO	COM	200525103	5,287	89	SH		SOLE	NONE	89	0	0
Conduent Inc	COM	206787103	258	64	SH		SOLE	NONE	64	0	0
Consolidated Edison Inc	COM	209115104	67,372	647	SH		DFND	NONE	647	0	0
Consolidated Edison Inc	COM	209115104	1,222,382	11,739	SH		SOLE	NONE	11,739	0	0
Constellation Brands Inc	CL A	21036P108	65,711	255	SH		DFND	NONE	255	0	0
Constellation Brands Inc	CL A	21036P108	2,219,484	8,613	SH		SOLE	NONE	8,613	0	0
Constellation Energy Corp	COM	21037T109	15,920	61	SH		SOLE	NONE	61	0	0
Corteva Inc	COM	22052L104	4,468	76	SH		DFND	NONE	76	0	0
Corteva Inc	COM	22052L104	50,501	859	SH		SOLE	NONE	859	0	0
Costco Wholesale Corp	COM	22160K105	949,485	1,071	SH		SOLE	NONE	1,071	0	0
Coterra Energy Inc	COM	127097103	8,598	359	SH		SOLE	NONE	359	0	0
Cullen/Frost Bankers Inc	COM	229899109	6,823	61	SH		SOLE	NONE	61	0	0
CyberArk Software Ltd	SHS	M2682V108	104,980	360	SH		SOLE	NONE	360	0	0
DEERE & CO	COM	244199105	250,398	600	SH		DFND	NONE	600	0	0
DEERE & CO	COM	244199105	610,554	1,463	SH		SOLE	NONE	1,463	0	0
DENTSPLY SIRONA	COM	24906P109	6,981	258	SH		SOLE	NONE	258	0	0
DIAGEO	SPON ADR NEW	25243Q205	14,034	100	SH		DFND	NONE	100	0	0
DIAGEO	SPON ADR NEW	25243Q205	830,532	5,918	SH		SOLE	NONE	5,918	0	0
DISCOVER FINL SVCS	COM	254709108	7,997	57	SH		SOLE	NONE	57	0	0
DNOW Inc	COM	67011P100	1,448	112	SH		DFND	NONE	112	0	0
DOMINION RES(VIR)	COM	25746U109	20,978	363	SH		SOLE	NONE	363	0	0
DUKE ENERGY CORP	COM NEW	26441C204	66,528	577	SH		DFND	NONE	577	0	0
DUKE ENERGY CORP	COM NEW	26441C204	57,189	496	SH		SOLE	NONE	496	0	0
Danaher Corp	COM	235851102	413,138	1,486	SH		SOLE	NONE	1,486	0	0
Darden Restaurants Inc	COM	237194105	48,747	297	SH		SOLE	NONE	297	0	0
Dell Technologies Inc	CL C	24703L202	11,854	100	SH		DFND	NONE	100	0	0
Dell Technologies Inc	CL C	24703L202	24,419	206	SH		SOLE	NONE	206	0	0
Delta Air Lines Inc	COM NEW	247361702	7,662	151	SH		SOLE	NONE	151	0	0
Digital Realty Trust Inc	COM	253868103	6,473	40	SH		SOLE	NONE	40	0	0
Donaldson Co Inc	COM	257651109	121,900	1,654	SH		SOLE	NONE	1,654	0	0
Dow Inc	COM	260557103	4,152	76	SH		DFND	NONE	76	0	0
Dow Inc	COM	260557103	51,516	943	SH		SOLE	NONE	943	0	0
DuPont de Nemours Inc	COM	26614N102	16,485	185	SH		DFND	NONE	185	0	0
DuPont de Nemours Inc	COM	26614N102	61,664	692	SH		SOLE	NONE	692	0	0
EBAY INC	COM	278642103	7,683	118	SH		DFND	NONE	118	0	0
EBAY INC	COM	278642103	260	4	SH		SOLE	NONE	4	0	0
ECOLAB INC	COM	278865100	74,556	292	SH		SOLE	NONE	292	0	0
EMERSON ELECTRIC	COM	291011104	85,965	786	SH		DFND	NONE	786	0	0
EMERSON ELECTRIC	COM	291011104	1,220,497	11,159	SH		SOLE	NONE	11,159	0	0
ENBRIDGE INC	COM	29250N105	106,236	2,616	SH		DFND	NONE	2,616	0	0
ENBRIDGE INC	COM	29250N105	1,123,922	27,676	SH		SOLE	NONE	27,676	0	0
EXELON CORP	COM	30161N101	6,853	169	SH		DFND	NONE	169	0	0
Eaton Corp PLC	SHS	G29183103	576,706	1,740	SH		SOLE	NONE	1,740	0	0
Edwards Lifesciences Corp	COM	28176E108	46,193	700	SH		SOLE	NONE	700	0	0
Elevance Health Inc	COM	036752103	156,520	301	SH		DFND	NONE	301	0	0
Elevance Health Inc	COM	036752103	2,356,120	4,531	SH		SOLE	NONE	4,531	0	0
Eli Lilly & Co	COM	532457108	682,174	770	SH		DFND	NONE	770	0	0
Eli Lilly & Co	COM	532457108	2,203,422	2,487	SH		SOLE	NONE	2,487	0	0
Embecta Corp	COMMON STOCK	29082K105	564	40	SH		DFND	NONE	40	0	0
Embecta Corp	COMMON STOCK	29082K105	99	7	SH		SOLE	NONE	7	0	0
Energizer Holdings Inc	COM	29272W109	16,166	509	SH		SOLE	NONE	509	0	0
Enterprise Products Partners L	COM	293792107	5,589	192	SH		SOLE	NONE	192	0	0
Equity LifeStyle Properties In	COM	29472R108	7,063	99	SH		SOLE	NONE	99	0	0
Essential Utilities Inc	COM	29670G102	21,935	569	SH		SOLE	NONE	569	0	0
Essex Property Trust Inc	COM	297178105	12,408	42	SH		SOLE	NONE	42	0	0
Eversource Energy	COM	30040W108	41,102	604	SH		SOLE	NONE	604	0	0
Exxon Mobil Corp	COM	30231G102	1,105,736	9,433	SH		DFND	NONE	9,433	0	0
Exxon Mobil Corp	COM	30231G102	1,886,059	16,090	SH		SOLE	NONE	16,090	0	0
FEDEX CORP	COM	31428X106	62,673	229	SH		DFND	NONE	229	0	0
FEDEX CORP	COM	31428X106	1,781,109	6,508	SH		SOLE	NONE	6,508	0	0
FIRST SOLAR INC	COM	336433107	46,396	186	SH		DFND	NONE	186	0	0
FIRST SOLAR INC	COM	336433107	1,181,847	4,738	SH		SOLE	NONE	4,738	0	0
FORD MOTOR CO	COM	345370860	10,592	1,003	SH		SOLE	NONE	1,003	0	0
FREEPORT-MCMOR C&G	CL B	35671D857	10,869	218	SH		SOLE	NONE	218	0	0
FTI Consulting Inc	COM	302941109	58,028	255	SH		DFND	NONE	255	0	0
FTI Consulting Inc	COM	302941109	1,464,349	6,435	SH		SOLE	NONE	6,435	0	0
Fastenal Co	COM	311900104	52,494	735	SH		SOLE	NONE	735	0	0
Fidelity Management & Research Co LLC	TOTAL BD ETF	316188309	2,230,760	47,727	SH		DFND	NONE	47,727	0	0
FingerMotion Inc	COM	31788K108	6,540	3,000	SH		SOLE	NONE	3,000	0	0
First Bancorp Inc/The	COM	31866P102	204,006	7,751	SH		DFND	NONE	7,751	0	0
First Bancorp Inc/The	COM	31866P102	3,895	148	SH		SOLE	NONE	148	0	0
First Trust Advisors LP	NASDAQ CYB ETF	33734X846	65,153	1,100	SH		SOLE	NONE	1,100	0	0
First Trust Advisors LP	NO AMER ENERGY	33738D101	16,800	500	SH		SOLE	NONE	500	0	0
First Trust Advisors LP	RISNG DIVD ACHIV	33738R506	9,178	155	SH		SOLE	NONE	155	0	0
First Trust Advisors LP	PFD SECS INC ETF	33739E108	1,063,773	58,772	SH		DFND	NONE	58,772	0	0
Fortinet Inc	COM	34959E109	1,838,555	23,708	SH		SOLE	NONE	23,708	0	0
Fortive Corp	COM	34959J108	43,569	552	SH		SOLE	NONE	552	0	0
Fortune Brands Innovations Inc	COM	34964C106	26,859	300	SH		SOLE	NONE	300	0	0
Franklin Electric Co Inc	COM	353514102	5,136	49	SH		SOLE	NONE	49	0	0
GE HealthCare Technologies Inc	COMMON STOCK	36266G107	7,320	78	SH		DFND	NONE	78	0	0
GE HealthCare Technologies Inc	COMMON STOCK	36266G107	73,109	779	SH		SOLE	NONE	779	0	0
GE Vernova Inc	COM	36828A101	14,789	58	SH		DFND	NONE	58	0	0
GE Vernova Inc	COM	36828A101	149,163	585	SH		SOLE	NONE	585	0	0
GEN DYNAMICS CORP	COM	369550108	81,594	270	SH		DFND	NONE	270	0	0
GEN DYNAMICS CORP	COM	369550108	1,623,462	5,372	SH		SOLE	NONE	5,372	0	0
GENERAL MILLS INC	COM	370334104	152,131	2,060	SH		SOLE	NONE	2,060	0	0
GOLDMAN SACHS GRP	COM	38141G104	7,427	15	SH		SOLE	NONE	15	0	0
GSK PLC	SPONSORED ADR	37733W204	10,220	250	SH		DFND	NONE	250	0	0
GSK PLC	SPONSORED ADR	37733W204	20,072	491	SH		SOLE	NONE	491	0	0
GameStop Corp	CL A	36467W109	4,586	200	SH		SOLE	NONE	200	0	0
Generac Holdings Inc	COM	368736104	106,450	670	SH		DFND	NONE	670	0	0
Generac Holdings Inc	COM	368736104	2,725,586	17,155	SH		SOLE	NONE	17,155	0	0
General Electric Co	COM NEW	369604301	44,505	236	SH		DFND	NONE	236	0	0
General Electric Co	COM NEW	369604301	465,793	2,470	SH		SOLE	NONE	2,470	0	0
Genuine Parts Co	COM	372460105	18,996	136	SH		DFND	NONE	136	0	0
Genuine Parts Co	COM	372460105	1,004,858	7,194	SH		SOLE	NONE	7,194	0	0
Global Payments Inc	COM	37940X102	4,506	44	SH		SOLE	NONE	44	0	0
Global X ETFs/USA	S&P 500 COVERED	37954Y475	1,864,471	44,927	SH		DFND	NONE	44,927	0	0
Global X Management Co LLC	LITHIUM BTRY ETF	37954Y855	9,640	221	SH		SOLE	NONE	221	0	0
Globe Life Inc	COM	37959E102	104,004	982	SH		SOLE	NONE	982	0	0
HALLIBURTON	COM	406216101	6,507	224	SH		DFND	NONE	224	0	0
HANESBRANDS INC	COM	410345102	7,850	1,068	SH		SOLE	NONE	1,068	0	0
HASBRO INC	COM	418056107	13,741	190	SH		DFND	NONE	190	0	0
HASBRO INC	COM	418056107	21,696	300	SH		SOLE	NONE	300	0	0
HCA Healthcare Inc	COM	40412C101	34,583	85	SH		SOLE	NONE	85	0	0
HERSHEY CO (THE)	COM	427866108	26,466	138	SH		SOLE	NONE	138	0	0
Hess Corp	COM	42809H107	19,963	147	SH		SOLE	NONE	147	0	0
Home Depot Inc/The	COM	437076102	305,926	755	SH		DFND	NONE	755	0	0
Home Depot Inc/The	COM	437076102	1,144,454	2,824	SH		SOLE	NONE	2,824	0	0
Honeywell International Inc	COM	438516106	16,537	80	SH		DFND	NONE	80	0	0
Honeywell International Inc	COM	438516106	612,068	2,961	SH		SOLE	NONE	2,961	0	0
Huntington Ingalls Industries	COM	446413106	985,873	3,729	SH		SOLE	NONE	3,729	0	0
ICON PLC	SHS	G4705A100	49,417	172	SH		DFND	NONE	172	0	0
ICON PLC	SHS	G4705A100	1,621,578	5,644	SH		SOLE	NONE	5,644	0	0
IDEXX Laboratories Inc	COM	45168D104	805,321	1,594	SH		SOLE	NONE	1,594	0	0
ILLINOIS TOOL WKS	COM	452308109	104,828	400	SH		DFND	NONE	400	0	0
ILLINOIS TOOL WKS	COM	452308109	19,393	74	SH		SOLE	NONE	74	0	0
INGREDION INC	COM	457187102	13,743	100	SH		SOLE	NONE	100	0	0
INTERCONTINENTAL EXCHANGE	COM	45866F104	71,645	446	SH		DFND	NONE	446	0	0
INTERCONTINENTAL EXCHANGE	COM	45866F104	2,054,907	12,792	SH		SOLE	NONE	12,792	0	0
INTL BUSINESS MCHN	COM	459200101	1,121,981	5,075	SH		DFND	NONE	5,075	0	0
INTL BUSINESS MCHN	COM	459200101	2,605,428	11,785	SH		SOLE	NONE	11,785	0	0
IQVIA Holdings Inc	COM	46266C105	9,479	40	SH		SOLE	NONE	40	0	0
ISHARES	SELECT DIVID ETF	464287168	197,202	1,460	SH		DFND	NONE	1,460	0	0
ISHARES	SELECT DIVID ETF	464287168	290,823	2,153	SH		SOLE	NONE	2,153	0	0
ISHARES	CORE S&P500 ETF	464287200	3,267,685	5,665	SH		DFND	NONE	5,665	0	0
ISHARES	CORE S&P500 ETF	464287200	172,624,345	299,269	SH		SOLE	NONE	299,269	0	0
ISHARES	IBOXX INV CP ETF	464287242	25,421	225	SH		SOLE	NONE	225	0	0
ISHARES	S&P 500 GRWT ETF	464287309	144,487	1,509	SH		SOLE	NONE	1,509	0	0
ISHARES	LATN AMER 40 ETF	464287390	28,501	1,100	SH		SOLE	NONE	1,100	0	0
ISHARES	S&P 500 VAL ETF	464287408	324,936	1,648	SH		SOLE	NONE	1,648	0	0
ISHARES	ISHARES BIOTECH	464287556	331,677	2,278	SH		SOLE	NONE	2,278	0	0
ISHARES	RUS 2000 VAL ETF	464287630	79,240	475	SH		SOLE	NONE	475	0	0
ISHARES	RUSSELL 2000 ETF	464287655	409,972	1,856	SH		SOLE	NONE	1,856	0	0
ISHARES	SP SMCP600VL ETF	464287879	1,059,913	9,845	SH		SOLE	NONE	9,845	0	0
ISHARES	EAFE VALUE ETF	464288877	29,685	516	SH		SOLE	NONE	516	0	0
ISHARES	CORE MSCI EAFE	46432F842	1,584,259	20,298	SH		DFND	NONE	20,298	0	0
ISHARES	CORE MSCI EAFE	46432F842	59,727,919	765,252	SH		SOLE	NONE	765,252	0	0
ISHARES ETFS/USA	0-5YR INVT GR CP	46434V100	8,825	175	SH		SOLE	NONE	175	0	0
ISHARES ETFS/USA	ESG AW MSCI EAFE	46435G516	313,365	3,723	SH		SOLE	NONE	3,723	0	0
ISHARES TR	MSCI EMG MKT ETF	464287234	85,666	1,868	SH		SOLE	NONE	1,868	0	0
ISHARES TR	FLTG RATE NT ETF	46429B655	9,136	179	SH		SOLE	NONE	179	0	0
ISHARES TR	MSCI EAFE MIN VL	46429B689	7,593	99	SH		SOLE	NONE	99	0	0
ISHARES TRUST	TIPS BD ETF	464287176	17,012	154	SH		DFND	NONE	154	0	0
ISHARES TRUST	TIPS BD ETF	464287176	9,169	83	SH		SOLE	NONE	83	0	0
ISHARES TRUST	RUS 1000 VAL ETF	464287598	20,498	108	SH		SOLE	NONE	108	0	0
ISHARES TRUST	GL CLEAN ENE ETF	464288224	13,001	885	SH		SOLE	NONE	885	0	0
ISHARES TRUST	IBOXX HI YD ETF	464288513	7,629	95	SH		DFND	NONE	95	0	0
ISHARES TRUST	IBOXX HI YD ETF	464288513	10,519	131	SH		SOLE	NONE	131	0	0
ISHARES TRUST	CORE HIGH DV ETF	46429B663	16,232	138	SH		SOLE	NONE	138	0	0
ISHARES/USA	RUS 1000 GRW ETF	464287614	3,754	10	SH		SOLE	NONE	10	0	0
ISHARES/USA	S&P SML 600 GWT	464287887	453,343	3,250	SH		SOLE	NONE	3,250	0	0
ISHARES/USA	NATIONAL MUN ETF	464288414	145,564	1,340	SH		DFND	NONE	1,340	0	0
ISHARES/USA	NATIONAL MUN ETF	464288414	822,655	7,573	SH		SOLE	NONE	7,573	0	0
Icahn Enterprises LP	DEPOSITARY UNIT	451100101	5,408	400	SH		SOLE	NONE	400	0	0
Illumina Inc	COM	452327109	596,887	4,577	SH		SOLE	NONE	4,577	0	0
Indaptus Therapeutics Inc	COM	45339J105	496	400	SH		SOLE	NONE	400	0	0
Ingersoll Rand Inc	COM	45687V106	49,080	500	SH		SOLE	NONE	500	0	0
Insulet Corp	COM	45784P101	3,957	17	SH		SOLE	NONE	17	0	0
Intel Corp	COM	458140100	31,929	1,361	SH		DFND	NONE	1,361	0	0
Intel Corp	COM	458140100	216,794	9,241	SH		SOLE	NONE	9,241	0	0
Intuit Inc	COM	461202103	33,534	54	SH		SOLE	NONE	54	0	0
Intuitive Surgical Inc	COM NEW	46120E602	2,948	6	SH		SOLE	NONE	6	0	0
Invesco Capital Management LLC	WATER RES ETF	46137V142	150,109	2,128	SH		SOLE	NONE	2,128	0	0
Invesco ETFs/USA	UNIT SER 1	46090E103	427,061	875	SH		SOLE	NONE	875	0	0
Invesco ETFs/USA	S&P500 EQL WGT	46137V357	1,399,956	7,814	SH		SOLE	NONE	7,814	0	0
Invesco ETFs/USA	HIG YLD EQ DIV	46137V563	105,505	4,811	SH		SOLE	NONE	4,811	0	0
Invesco ETFs/USA	S&P500 LOW VOL	46138E354	4,160	58	SH		SOLE	NONE	58	0	0
Invesco ETFs/USA	PFD ETF	46138E511	80,275	6,500	SH		DFND	NONE	6,500	0	0
Invesco ETFs/USA	SR LN ETF	46138G508	33,196	1,580	SH		DFND	NONE	1,580	0	0
Invesco ETFs/USA	SR LN ETF	46138G508	79,460	3,782	SH		SOLE	NONE	3,782	0	0
Invesco ETFs/USA	TAXABLE MUN BD	46138G805	159,768	5,795	SH		DFND	NONE	5,795	0	0
Invesco ETFs/USA	TAXABLE MUN BD	46138G805	13,352,994	484,331	SH		SOLE	NONE	484,331	0	0
JB Hunt Transport Services Inc	COM	445658107	163,714	950	SH		SOLE	NONE	950	0	0
JPMorgan Chase & Co	COM	46625H100	415,605	1,971	SH		DFND	NONE	1,971	0	0
JPMorgan Chase & Co	COM	46625H100	9,369,930	44,437	SH		SOLE	NONE	44,437	0	0
Johnson & Johnson	COM	478160104	372,090	2,296	SH		DFND	NONE	2,296	0	0
Johnson & Johnson	COM	478160104	4,184,219	25,819	SH		SOLE	NONE	25,819	0	0
KIMBERLY-CLARK CP	COM	494368103	58,335	410	SH		DFND	NONE	410	0	0
KIMBERLY-CLARK CP	COM	494368103	26,322	185	SH		SOLE	NONE	185	0	0
KNIFE RIV HOL CO.	COMMON STOCK	498894104	118,084	1,321	SH		SOLE	NONE	1,321	0	0
KeyCorp	COM	493267108	3,166	189	SH		SOLE	NONE	189	0	0
Kraft Heinz Co/The	COM	500754106	32,477	925	SH		SOLE	NONE	925	0	0
Kyndryl Holdings Inc	COMMON STOCK	50155Q100	2,022	88	SH		SOLE	NONE	88	0	0
L3Harris Technologies Inc	COM	502431109	69,458	292	SH		DFND	NONE	292	0	0
L3Harris Technologies Inc	COM	502431109	80,638	339	SH		SOLE	NONE	339	0	0
LENNAR CORP	CL A	526057104	16,311	87	SH		SOLE	NONE	87	0	0
LOWE'S COS INC	COM	548661107	260,016	960	SH		DFND	NONE	960	0	0
LOWE'S COS INC	COM	548661107	2,402,981	8,872	SH		SOLE	NONE	8,872	0	0
Labcorp Holdings Inc	None	504922105	2,905	13	SH		SOLE	NONE	13	0	0
Lam Research Corp	COM	512807108	40,804	50	SH		DFND	NONE	50	0	0
Lam Research Corp	COM	512807108	4,080	5	SH		SOLE	NONE	5	0	0
Lancaster Colony Corp	COM	513847103	26,486	150	SH		SOLE	NONE	150	0	0
Linde PLC	SHS	G54950103	207,547	435	SH		SOLE	NONE	435	0	0
Lockheed Martin Corp	COM	539830109	609,696	1,043	SH		SOLE	NONE	1,043	0	0
LyondellBasell Industries NV	SHS - A -	N53745100	34,908	364	SH		SOLE	NONE	364	0	0
M&T Bank Corp	COM	55261F104	664,566	3,731	SH		DFND	NONE	3,731	0	0
M&T Bank Corp	COM	55261F104	166,542	935	SH		SOLE	NONE	935	0	0
MARSH & MCLENNAN	COM	571748102	45,957	206	SH		SOLE	NONE	206	0	0
MARTIN MARIETTA M.	COM	573284106	10,765	20	SH		SOLE	NONE	20	0	0
MASTERCARD INC	CL A	57636Q104	83,946	170	SH		SOLE	NONE	170	0	0
MCCORMICK & CO INC	COM NON VTG	579780206	1,893	23	SH		SOLE	NONE	23	0	0
MCDONALD'S CORP	COM	580135101	492,393	1,617	SH		DFND	NONE	1,617	0	0
MCDONALD'S CORP	COM	580135101	2,437,603	8,005	SH		SOLE	NONE	8,005	0	0
MDU RES GROUP INC	COM	552690109	150,344	5,485	SH		SOLE	NONE	5,485	0	0
METLIFE INC	COM	59156R108	60,128	729	SH		DFND	NONE	729	0	0
METLIFE INC	COM	59156R108	39,508	479	SH		SOLE	NONE	479	0	0
MGE Energy Inc	COM	55277P104	12,346	135	SH		SOLE	NONE	135	0	0
MICROSOFT CORP	COM	594918104	823,164	1,913	SH		DFND	NONE	1,913	0	0
MICROSOFT CORP	COM	594918104	7,527,662	17,494	SH		SOLE	NONE	17,494	0	0
MITSUBISHI UFJ FIN	SPONSORED ADS	606822104	8,266	812	SH		SOLE	NONE	812	0	0
MORGAN STANLEY	COM NEW	617446448	203,268	1,950	SH		DFND	NONE	1,950	0	0
MORGAN STANLEY	COM NEW	617446448	47,846	459	SH		SOLE	NONE	459	0	0
MOTOROLA INC	COM NEW	620076307	11,241	25	SH		SOLE	NONE	25	0	0
Marathon Petroleum Corp	COM	56585A102	57,019	350	SH		DFND	NONE	350	0	0
Marathon Petroleum Corp	COM	56585A102	39,750	244	SH		SOLE	NONE	244	0	0
MarketAxess Holdings Inc	COM	57060D108	1,663,763	6,494	SH		SOLE	NONE	6,494	0	0
Marriott International Inc/MD	CL A	571903202	25,892	104	SH		SOLE	NONE	104	0	0
Marvell Technology Inc	COM	573874104	5,697	79	SH		DFND	NONE	79	0	0
Marvell Technology Inc	COM	573874104	10,818	150	SH		SOLE	NONE	150	0	0
MasTec Inc	COM	576323109	396,998	3,225	SH		SOLE	NONE	3,225	0	0
Medtronic PLC	SHS	G5960L103	1,069,736	11,882	SH		SOLE	NONE	11,882	0	0
Merck & Co Inc	COM	58933Y105	127,528	1,123	SH		DFND	NONE	1,123	0	0
Merck & Co Inc	COM	58933Y105	647,216	5,699	SH		SOLE	NONE	5,699	0	0
Meta Platforms Inc	CL A	30303M102	182,036	318	SH		DFND	NONE	318	0	0
Meta Platforms Inc	CL A	30303M102	1,242,270	2,170	SH		SOLE	NONE	2,170	0	0
Microchip Technology Inc	COM	595017104	16,058	200	SH		SOLE	NONE	200	0	0
Middleby Corp/The	COM	596278101	13,913	100	SH		SOLE	NONE	100	0	0
Mondelez International Inc	CL A	609207105	16,502	224	SH		DFND	NONE	224	0	0
Mondelez International Inc	CL A	609207105	336,672	4,570	SH		SOLE	NONE	4,570	0	0
NET Lease Office Properties	COM	64110Y108	4,103	134	SH		DFND	NONE	134	0	0
NETAPP INC	COM	64110D104	1,682,258	13,620	SH		SOLE	NONE	13,620	0	0
NETFLIX INC	COM	64110L106	17,022	24	SH		SOLE	NONE	24	0	0
NEXTERA ENERGY	COM	65339F101	67,624	800	SH		DFND	NONE	800	0	0
NEXTERA ENERGY	COM	65339F101	688,328	8,143	SH		SOLE	NONE	8,143	0	0
NIKE INC	CL B	654106103	123,760	1,400	SH		DFND	NONE	1,400	0	0
NIKE INC	CL B	654106103	18,564	210	SH		SOLE	NONE	210	0	0
NORTHROP GRUMMAN	COM	666807102	52,807	100	SH		DFND	NONE	100	0	0
NORTHROP GRUMMAN	COM	666807102	83,963	159	SH		SOLE	NONE	159	0	0
NOV Inc	COM	62955J103	7,187	450	SH		DFND	NONE	450	0	0
NVIDIA Corp	COM	67066G104	35,703	294	SH		DFND	NONE	294	0	0
NVIDIA Corp	COM	67066G104	1,024,351	8,435	SH		SOLE	NONE	8,435	0	0
NXP Semiconductors NV	COM	N6596X109	86,644	361	SH		SOLE	NONE	361	0	0
NY COMMUNITY CAP TRUST V	UNIT 05/07/2051	64944P307	23,232	600	SH		SOLE	NONE	600	0	0
National Amusements Inc	CLASS B COM	92556H206	159	15	SH		SOLE	NONE	15	0	0
National Grid PLC	SPONSORED ADR NE	636274409	6,967	100	SH		DFND	NONE	100	0	0
Newell Brands Inc	COM	651229106	12,657	1,648	SH		SOLE	NONE	1,648	0	0
Newmont Corp	COM	651639106	2,619	49	SH		DFND	NONE	49	0	0
Newmont Corp	COM	651639106	824,413	15,424	SH		SOLE	NONE	15,424	0	0
NextEra Energy Equity Partners	COM UNIT PART IN	65341B106	4,033	146	SH		SOLE	NONE	146	0	0
Norfolk Southern Corp	COM	655844108	62,125	250	SH		SOLE	NONE	250	0	0
Norwood Financial Corp	COM	669549107	46,659	1,692	SH		SOLE	NONE	1,692	0	0
Novartis AG	SPONSORED ADR	66987V109	977,440	8,498	SH		SOLE	NONE	8,498	0	0
Novo Holdings A/S	ADR	670100205	95,851	805	SH		DFND	NONE	805	0	0
Novo Holdings A/S	ADR	670100205	1,961,797	16,476	SH		SOLE	NONE	16,476	0	0
Nucor Corp	COM	670346105	174,094	1,158	SH		SOLE	NONE	1,158	0	0
OCCIDENTAL PETROLEUM CORP	*W EXP 08/03/202	674599162	1,279	43	SH		SOLE	NONE	43	0	0
OMNICOM GROUP INC	COM	681919106	7,237	70	SH		SOLE	NONE	70	0	0
ONEOK Inc	COM	682680103	51,124	561	SH		SOLE	NONE	561	0	0
ORACLE CORP	COM	68389X105	361,315	2,120	SH		SOLE	NONE	2,120	0	0
OSHKOSH CORP	COM	688239201	15,933	159	SH		SOLE	NONE	159	0	0
Occidental Petroleum Corp	COM	674599105	5,979	116	SH		SOLE	NONE	116	0	0
Okta Inc	CL A	679295105	1,041	14	SH		SOLE	NONE	14	0	0
Omega Healthcare Investors Inc	COM	681936100	18,926	465	SH		SOLE	NONE	465	0	0
Organon & Co	COMMON STOCK	68622V106	1,071	56	SH		SOLE	NONE	56	0	0
Otis Worldwide Corp	COM	68902V107	55,816	537	SH		DFND	NONE	537	0	0
Otis Worldwide Corp	COM	68902V107	66,002	635	SH		SOLE	NONE	635	0	0
PARKER-HANNIFIN	COM	701094104	27,800	44	SH		SOLE	NONE	44	0	0
PEPSICO INC	COM	713448108	262,217	1,542	SH		DFND	NONE	1,542	0	0
PEPSICO INC	COM	713448108	4,074,316	23,960	SH		SOLE	NONE	23,960	0	0
PHILIP MORRIS INTL	COM	718172109	67,863	559	SH		DFND	NONE	559	0	0
PHILIP MORRIS INTL	COM	718172109	378,889	3,121	SH		SOLE	NONE	3,121	0	0
PNC Financial Services Group I	COM	693475105	1,095,051	5,924	SH		SOLE	NONE	5,924	0	0
PPG Industries Inc	COM	693506107	2,914	22	SH		SOLE	NONE	22	0	0
PPL CORP	COM	69351T106	69,666	2,106	SH		SOLE	NONE	2,106	0	0
PRUDENTIAL FINL	COM	744320102	1,288,504	10,640	SH		SOLE	NONE	10,640	0	0
Packaging Corp of America	COM	695156109	4,308	20	SH		DFND	NONE	20	0	0
Packaging Corp of America	COM	695156109	1,190,516	5,527	SH		SOLE	NONE	5,527	0	0
Palantir Technologies Inc	CL A	69608A108	7,440	200	SH		DFND	NONE	200	0	0
Palo Alto Networks Inc	COM	697435105	1,592,446	4,659	SH		SOLE	NONE	4,659	0	0
PayPal Holdings Inc	COM	70450Y103	9,208	118	SH		DFND	NONE	118	0	0
PayPal Holdings Inc	COM	70450Y103	34,411	441	SH		SOLE	NONE	441	0	0
Paychex Inc	COM	704326107	1,296,812	9,664	SH		SOLE	NONE	9,664	0	0
Pfizer Inc	COM	717081103	112,432	3,885	SH		DFND	NONE	3,885	0	0
Pfizer Inc	COM	717081103	835,845	28,882	SH		SOLE	NONE	28,882	0	0
Phillips 66	COM	718546104	57,707	439	SH		DFND	NONE	439	0	0
Phillips 66	COM	718546104	1,568,724	11,934	SH		SOLE	NONE	11,934	0	0
Pimco ETFs/USA	INV GRD CRP BD	72201R817	25,758	259	SH		SOLE	NONE	259	0	0
Polaris Inc	COM	731068102	15,649	188	SH		SOLE	NONE	188	0	0
Procter & Gamble Co/The	COM	742718109	272,617	1,574	SH		DFND	NONE	1,574	0	0
Procter & Gamble Co/The	COM	742718109	698,342	4,032	SH		SOLE	NONE	4,032	0	0
Prologis Inc	COM	74340W103	47,229	374	SH		SOLE	NONE	374	0	0
Public Storage	COM	74460D109	80,415	221	SH		DFND	NONE	221	0	0
Public Storage	COM	74460D109	1,872,839	5,147	SH		SOLE	NONE	5,147	0	0
QUALCOMM Inc	COM	747525103	193,687	1,139	SH		DFND	NONE	1,139	0	0
QUALCOMM Inc	COM	747525103	1,557,828	9,161	SH		SOLE	NONE	9,161	0	0
Quanta Services Inc	COM	74762E102	3,876	13	SH		SOLE	NONE	13	0	0
REALTY INCOME CORP	COM	756109104	78,768	1,242	SH		DFND	NONE	1,242	0	0
REALTY INCOME CORP	COM	756109104	22,197	350	SH		SOLE	NONE	350	0	0
REGENERON PHARMACEUTICALS	COM	75886F107	1,068,060	1,016	SH		SOLE	NONE	1,016	0	0
RPM INTERNATIONAL	COM	749685103	21,538	178	SH		DFND	NONE	178	0	0
RPM INTERNATIONAL	COM	749685103	868,538	7,178	SH		SOLE	NONE	7,178	0	0
RTX Corp	COM	75513E101	327,980	2,707	SH		DFND	NONE	2,707	0	0
RTX Corp	COM	75513E101	2,816,849	23,249	SH		SOLE	NONE	23,249	0	0
Regions Financial Corp	COM	7591EP100	63,668	2,729	SH		SOLE	NONE	2,729	0	0
Rivian Automotive Inc	COM CL A	76954A103	1,907	170	SH		SOLE	NONE	170	0	0
S&P Global Inc	COM	78409V104	41,846	81	SH		SOLE	NONE	81	0	0
SELECT SECTOR SPDR	SBI MATERIALS	81369Y100	26,601	276	SH		DFND	NONE	276	0	0
SELECT SECTOR SPDR	SBI MATERIALS	81369Y100	321,813	3,339	SH		SOLE	NONE	3,339	0	0
SELECT SECTOR SPDR	SBI HEALTHCARE	81369Y209	37,273	242	SH		SOLE	NONE	242	0	0
SELECT SECTOR SPDR	SBI CONS STPLS	81369Y308	194,220	2,340	SH		SOLE	NONE	2,340	0	0
SELECT SECTOR SPDR	SBI CONS DISCR	81369Y407	93,773	468	SH		DFND	NONE	468	0	0
SELECT SECTOR SPDR	SBI CONS DISCR	81369Y407	1,718,173	8,575	SH		SOLE	NONE	8,575	0	0
SELECT SECTOR SPDR	ENERGY	81369Y506	22,477	256	SH		DFND	NONE	256	0	0
SELECT SECTOR SPDR	ENERGY	81369Y506	105,272	1,199	SH		SOLE	NONE	1,199	0	0
SELECT SECTOR SPDR	FINANCIAL	81369Y605	148,514	3,277	SH		SOLE	NONE	3,277	0	0
SELECT SECTOR SPDR	TECHNOLOGY	81369Y803	221,245	980	SH		DFND	NONE	980	0	0
SELECT SECTOR SPDR	TECHNOLOGY	81369Y803	1,387,972	6,148	SH		SOLE	NONE	6,148	0	0
SELECT SECTOR SPDR	SBI INT-UTILS	81369Y886	8,078	100	SH		DFND	NONE	100	0	0
SELECT SECTOR SPDR	SBI INT-UTILS	81369Y886	435,727	5,394	SH		SOLE	NONE	5,394	0	0
SEMPRA ENERGY	COM	816851109	8,363	100	SH		DFND	NONE	100	0	0
SEMPRA ENERGY	COM	816851109	24,922	298	SH		SOLE	NONE	298	0	0
SHOPIFY INC	CL A	82509L107	12,181	152	SH		SOLE	NONE	152	0	0
SMUCKER(JM)CO	COM NEW	832696405	11,020	91	SH		SOLE	NONE	91	0	0
SOUTHWEST AIRLINES	COM	844741108	2,963	100	SH		SOLE	NONE	100	0	0
SPDR DOW JONES IND	UT SER 1	78467X109	88,855	210	SH		DFND	NONE	210	0	0
SPDR DOW JONES IND	UT SER 1	78467X109	57,121	135	SH		SOLE	NONE	135	0	0
SPDR GOLD TRUST	GOLD SHS	78463V107	122,745	505	SH		SOLE	NONE	505	0	0
SPDR SERIES TRUST	S&P 600 SMCP VAL	78464A300	343,373	3,955	SH		SOLE	NONE	3,955	0	0
SSGA FUNDS MANAGEMENT	PORTFOLIO SHORT	78464A474	9,205	304	SH		SOLE	NONE	304	0	0
SSGA FUNDS MANAGEMENT INC	PORTFOLIO INTRMD	78464A375	23,226	689	SH		SOLE	NONE	689	0	0
SSGA FUNDS MANAGEMENT INC	PRTFLO S&P500 GW	78464A409	8,377	101	SH		SOLE	NONE	101	0	0
SSGA Funds Management	S&P METALS MNG	78464A755	6,372	100	SH		SOLE	NONE	100	0	0
SSGA Funds Management Inc	S&P DIVID ETF	78464A763	182,237	1,283	SH		DFND	NONE	1,283	0	0
SSGA Funds Management Inc	S&P DIVID ETF	78464A763	39,203	276	SH		SOLE	NONE	276	0	0
SSgA Funds Management Inc	NUVEEN BLMBRG SH	78468R739	19,545	406	SH		SOLE	NONE	406	0	0
SSgA Funds Management Inc	COMMUNICATION	81369Y852	82,897	917	SH		SOLE	NONE	917	0	0
STARBUCKS CORP	COM	855244109	15,422	158	SH		SOLE	NONE	158	0	0
STATE STREET ETF/USA	UTSER1 S&PDCRP	78467Y107	203,938	358	SH		SOLE	NONE	358	0	0
Salesforce Inc	COM	79466L302	84,029	307	SH		DFND	NONE	307	0	0
Salesforce Inc	COM	79466L302	2,077,482	7,590	SH		SOLE	NONE	7,590	0	0
Schlumberger NV	COM STK	806857108	16,780	400	SH		DFND	NONE	400	0	0
Schlumberger NV	COM STK	806857108	16,383	391	SH		SOLE	NONE	391	0	0
Schwab ETFs/USA	US REIT ETF	808524847	10,751	464	SH		DFND	NONE	464	0	0
Schwab ETFs/USA	US REIT ETF	808524847	593,337	25,608	SH		SOLE	NONE	25,608	0	0
Schwab ETFs/USA	SHT TM US TRES	808524862	568,609	11,609	SH		DFND	NONE	11,609	0	0
Schwab ETFs/USA	SHT TM US TRES	808524862	38,438,139	784,772	SH		SOLE	NONE	784,772	0	0
Schwab Strategic Trust	5 10YR CORP BD	808524698	38,774	840	SH		SOLE	NONE	840	0	0
Seagate Technology Holdings PL	ORD SHS	G7997R103	13,144	120	SH		DFND	NONE	120	0	0
Seagate Technology Holdings PL	ORD SHS	G7997R103	807,236	7,370	SH		SOLE	NONE	7,370	0	0
ServiceNow Inc	COM	81762P102	894	1	SH		SOLE	NONE	1	0	0
Skechers USA Inc	CL A	830566105	6,357	95	SH		SOLE	NONE	95	0	0
Snowflake Inc	CL A	833445109	1,133,438	9,868	SH		SOLE	NONE	9,868	0	0
Solventum Corp	COM SHS	83444M101	10,249	147	SH		DFND	NONE	147	0	0
Solventum Corp	COM SHS	83444M101	31,304	449	SH		SOLE	NONE	449	0	0
Sony Group Corp	SPONSORED ADR	835699307	10,430	108	SH		SOLE	NONE	108	0	0
Southern Co/The	COM	842587107	19,840	220	SH		DFND	NONE	220	0	0
Southern Co/The	COM	842587107	1,903,339	21,106	SH		SOLE	NONE	21,106	0	0
State Street Corp	COM	857477103	26,187	296	SH		DFND	NONE	296	0	0
State Street Corp	COM	857477103	67,414	762	SH		SOLE	NONE	762	0	0
State Street ETF/USA	TR UNIT	78462F103	406,796	709	SH		DFND	NONE	709	0	0
State Street ETF/USA	TR UNIT	78462F103	2,287,981	3,988	SH		SOLE	NONE	3,988	0	0
State Street ETF/USA	BLOOMBERG INVT	78468R200	8,515	276	SH		SOLE	NONE	276	0	0
State Street ETF/USA	INDL	81369Y704	125,959	930	SH		SOLE	NONE	930	0	0
State Street ETF/USA	RL EST SEL SEC	81369Y860	64,772	1,450	SH		SOLE	NONE	1,450	0	0
Stryker Corp	COM	863667101	265,165	734	SH		DFND	NONE	734	0	0
Stryker Corp	COM	863667101	2,120,957	5,871	SH		SOLE	NONE	5,871	0	0
Synopsys Inc	COM	871607107	34,435	68	SH		DFND	NONE	68	0	0
Synopsys Inc	COM	871607107	725,657	1,433	SH		SOLE	NONE	1,433	0	0
Sysco Corp	COM	871829107	10,616	136	SH		DFND	NONE	136	0	0
Sysco Corp	COM	871829107	127,316	1,631	SH		SOLE	NONE	1,631	0	0
T Rowe Price Group Inc	COM	74144T108	38,126	350	SH		DFND	NONE	350	0	0
T-MOBILE US INC	COM	872590104	13,507	65	SH		SOLE	NONE	65	0	0
TE Connectivity Ltd	SHS	H84989104	7,700	51	SH		SOLE	NONE	51	0	0
TEXAS INSTRUMENTS	COM	882508104	41,314	200	SH		DFND	NONE	200	0	0
TEXAS INSTRUMENTS	COM	882508104	106,177	514	SH		SOLE	NONE	514	0	0
TJX Cos Inc/The	COM	872540109	156,538	1,332	SH		SOLE	NONE	1,332	0	0
TORONTO-DOMINION	COM NEW	891160509	149,547	2,364	SH		SOLE	NONE	2,364	0	0
TOYOTA MOTOR CORP	ADS	892331307	37,321	209	SH		SOLE	NONE	209	0	0
TRACTOR SUPPLY CO	COM	892356106	39,276	135	SH		DFND	NONE	135	0	0
TRACTOR SUPPLY CO	COM	892356106	1,021,746	3,512	SH		SOLE	NONE	3,512	0	0
TRAVELERS CO INC	COM	89417E109	70,289	300	SH		SOLE	NONE	300	0	0
TSMC	SPONSORED ADS	874039100	26,572	153	SH		SOLE	NONE	153	0	0
Takeda Pharmaceutical Co Ltd	SPONSORED ADS	874060205	2,645	186	SH		DFND	NONE	186	0	0
Target Corp	COM	87612E106	138,404	888	SH		SOLE	NONE	888	0	0
Teladoc Health Inc	COM	87918A105	367	40	SH		SOLE	NONE	40	0	0
Teledyne Technologies Inc	COM	879360105	7,003	16	SH		SOLE	NONE	16	0	0
Tesla Inc	COM	88160R101	226,310	865	SH		SOLE	NONE	865	0	0
Textron Inc	COM	883203101	10,366	117	SH		SOLE	NONE	117	0	0
Thermo Fisher Scientific Inc	COM	883556102	194,856	315	SH		SOLE	NONE	315	0	0
TotalEnergies SE	SPONSORED ADS	89151E109	8,142	126	SH		SOLE	NONE	126	0	0
Tradeweb Markets Inc	CL A	892672106	57,259	463	SH		DFND	NONE	463	0	0
Tradeweb Markets Inc	CL A	892672106	787,654	6,369	SH		SOLE	NONE	6,369	0	0
Trane Technologies PLC	SHS	G8994E103	304,376	783	SH		SOLE	NONE	783	0	0
Trimble Inc	COM	896239100	12,418	200	SH		SOLE	NONE	200	0	0
Truist Financial Corp	COM	89832Q109	12,574	294	SH		SOLE	NONE	294	0	0
Tyler Technologies Inc	COM	902252105	36,774	63	SH		SOLE	NONE	63	0	0
Tyson Foods Inc	CL A	902494103	996,498	16,731	SH		SOLE	NONE	16,731	0	0
US Bancorp	COM NEW	902973304	32,102	702	SH		SOLE	NONE	702	0	0
UTD PARCEL SERV	CL B	911312106	43,629	320	SH		DFND	NONE	320	0	0
UTD PARCEL SERV	CL B	911312106	687,017	5,039	SH		SOLE	NONE	5,039	0	0
UiPath Inc	CL A	90364P105	26,355	2,059	SH		SOLE	NONE	2,059	0	0
Ulta Beauty Inc	COM	90384S303	7,782	20	SH		SOLE	NONE	20	0	0
Unilever PLC	SPON ADR NEW	904767704	30,466	469	SH		SOLE	NONE	469	0	0
Union Pacific Corp	COM	907818108	86,514	351	SH		SOLE	NONE	351	0	0
United Rentals Inc	COM	911363109	80,187	99	SH		SOLE	NONE	99	0	0
UnitedHealth Group Inc	COM	91324P102	437,513	748	SH		SOLE	NONE	748	0	0
VANECK VECTORS ETF	MRNGSTR WDE MOAT	92189F643	9,113	94	SH		SOLE	NONE	94	0	0
VANGUARD	S&P 500 ETF SHS	922908363	227,953	432	SH		DFND	NONE	432	0	0
VANGUARD	S&P 500 ETF SHS	922908363	12,594,428	23,868	SH		SOLE	NONE	23,868	0	0
VANGUARD ETF/USA	DIV APP ETF	921908844	30,897	156	SH		SOLE	NONE	156	0	0
VANGUARD ETF/USA	LONG TERM BOND	921937793	4,360	58	SH		SOLE	NONE	58	0	0
VANGUARD ETF/USA	INTERMED TERM	921937819	23,903	305	SH		DFND	NONE	305	0	0
VANGUARD ETF/USA	INTERMED TERM	921937819	6,426	82	SH		SOLE	NONE	82	0	0
VANGUARD ETF/USA	TT WRLD ST ETF	922042742	2,573,550	21,500	SH		SOLE	NONE	21,500	0	0
VANGUARD ETF/USA	FTSE EMR MKT ETF	922042858	416,343	8,701	SH		DFND	NONE	8,701	0	0
VANGUARD ETF/USA	FTSE EMR MKT ETF	922042858	14,449,119	301,967	SH		SOLE	NONE	301,967	0	0
VANGUARD ETF/USA	CONSUM DIS ETF	92204A108	35,069	103	SH		DFND	NONE	103	0	0
VANGUARD ETF/USA	CONSUM DIS ETF	92204A108	11,917	35	SH		SOLE	NONE	35	0	0
VANGUARD ETF/USA	SHRT TRM CORP BD	92206C409	15,884	200	SH		DFND	NONE	200	0	0
VANGUARD ETF/USA	SHRT TRM CORP BD	92206C409	70,287	885	SH		SOLE	NONE	885	0	0
VANGUARD ETF/USA	INT-TERM CORP	92206C870	4,774	57	SH		SOLE	NONE	57	0	0
VANGUARD ETF/USA	SM CP VAL ETF	922908611	5,103,426	25,418	SH		SOLE	NONE	25,418	0	0
VANGUARD ETF/USA	TOTAL STK MKT	922908769	9,627	34	SH		SOLE	NONE	34	0	0
VANGUARD GROUP	SHORT TRM BOND	921937827	8,813	112	SH		SOLE	NONE	112	0	0
VANGUARD GROUP INC/THE	TOTAL INT BD ETF	92203J407	9,503	189	SH		SOLE	NONE	189	0	0
VANGUARD GROUP INC/THE	LG-TERM COR BD	92206C813	746,504	9,190	SH		DFND	NONE	9,190	0	0
VANGUARD WHITEHALL	HIGH DIV YLD	921946406	3,614,471	28,194	SH		DFND	NONE	28,194	0	0
VANGUARD WHITEHALL	HIGH DIV YLD	921946406	5,641	44	SH		SOLE	NONE	44	0	0
VERIZON COMMUN	COM	92343V104	167,784	3,736	SH		DFND	NONE	3,736	0	0
VERIZON COMMUN	COM	92343V104	3,499,746	77,928	SH		SOLE	NONE	77,928	0	0
VIATRIS INC	COM	92556V106	3,483	300	SH		DFND	NONE	300	0	0
VIATRIS INC	COM	92556V106	3,529	304	SH		SOLE	NONE	304	0	0
VISA INC	COM CL A	92826C839	278,249	1,012	SH		DFND	NONE	1,012	0	0
VISA INC	COM CL A	92826C839	2,569,474	9,345	SH		SOLE	NONE	9,345	0	0
Vail Resorts Inc	COM	91879Q109	4,357	25	SH		DFND	NONE	25	0	0
Valero Energy Corp	COM	91913Y100	708,908	5,250	SH		SOLE	NONE	5,250	0	0
VanEck ETFs/USA	IG FLOATING RATE	92189F486	9,220	362	SH		SOLE	NONE	362	0	0
Vanguard ETF/USA	ESG INTL STK ETF	921910725	27,680	450	SH		SOLE	NONE	450	0	0
Vanguard ETF/USA	MEGA GRWTH IND	921910816	33,805	105	SH		SOLE	NONE	105	0	0
Vanguard ETF/USA	TOTAL BND MRKT	921937835	24,035	320	SH		DFND	NONE	320	0	0
Vanguard ETF/USA	VAN FTSE DEV MKT	921943858	2,800,778	53,035	SH		SOLE	NONE	53,035	0	0
Vanguard ETF/USA	ALLWRLD EX US	922042775	65,835	1,045	SH		SOLE	NONE	1,045	0	0
Vanguard ETF/USA	INTER TERM TREAS	92206C706	1,267,007	20,970	SH		DFND	NONE	20,970	0	0
Vanguard ETF/USA	INTER TERM TREAS	92206C706	85,046,928	1,407,596	SH		SOLE	NONE	1,407,596	0	0
Vanguard ETF/USA	MTG-BKD SECS ETF	92206C771	9,064	192	SH		DFND	NONE	192	0	0
Vanguard ETF/USA	MTG-BKD SECS ETF	92206C771	15,485	328	SH		SOLE	NONE	328	0	0
Vanguard ETF/USA	MCAP VL IDXVIP	922908512	6,671,254	39,788	SH		SOLE	NONE	39,788	0	0
Vanguard ETF/USA	MCAP GR IDXVIP	922908538	107,127	440	SH		SOLE	NONE	440	0	0
Vanguard ETF/USA	REAL ESTATE ETF	922908553	67,707	695	SH		DFND	NONE	695	0	0
Vanguard ETF/USA	REAL ESTATE ETF	922908553	2,287,078	23,476	SH		SOLE	NONE	23,476	0	0
Vanguard ETF/USA	SML CP GRW ETF	922908595	53,474	200	SH		SOLE	NONE	200	0	0
Vanguard ETF/USA	MID CAP ETF	922908629	1,890,870	7,167	SH		SOLE	NONE	7,167	0	0
Vanguard ETF/USA	GROWTH ETF	922908736	138,215	360	SH		SOLE	NONE	360	0	0
Vanguard ETF/USA	VALUE ETF	922908744	329,229	1,886	SH		SOLE	NONE	1,886	0	0
Vanguard ETF/USA	SMALL CP ETF	922908751	811,021	3,419	SH		SOLE	NONE	3,419	0	0
Vanguard Group Inc/The	FTSE SMCAP ETF	922042718	2,519	20	SH		SOLE	NONE	20	0	0
Vanguard Group Inc/The	EXTEND MKT ETF	922908652	31,666	174	SH		SOLE	NONE	174	0	0
Veralto Corp	COM SHS	92338C103	44,744	400	SH		SOLE	NONE	400	0	0
Vertex Pharmaceuticals Inc	COM	92532F100	99,992	215	SH		DFND	NONE	215	0	0
Vertex Pharmaceuticals Inc	COM	92532F100	2,562,126	5,509	SH		SOLE	NONE	5,509	0	0
Vicor Corp	COM	925815102	2,105	50	SH		SOLE	NONE	50	0	0
Virgin Galactic Holdings Inc	None	92766K403	201	33	SH		SOLE	NONE	33	0	0
Virtu Financial Inc	CL A	928254101	958,028	31,452	SH		SOLE	NONE	31,452	0	0
Vodafone Group PLC	SPONSORED ADR	92857W308	3,677	367	SH		SOLE	NONE	367	0	0
Vontier Corp	COM	928881101	1,147	34	SH		SOLE	NONE	34	0	0
WASTE MANAGEMENT	COM	94106L109	238,740	1,150	SH		SOLE	NONE	1,150	0	0
WD-40 Co	COM	929236107	90,516	351	SH		SOLE	NONE	351	0	0
WELLS FARGO & CO	COM	949746101	54,626	967	SH		DFND	NONE	967	0	0
WELLS FARGO & CO	COM	949746101	133,034	2,355	SH		SOLE	NONE	2,355	0	0
WESTN DIGITAL CORP	COM	958102105	1,571	23	SH		DFND	NONE	23	0	0
WEX Inc	COM	96208T104	79,697	380	SH		SOLE	NONE	380	0	0
WISDOMTREE ETFS/USA	EMER MKT HIGH FD	97717W315	24,690	561	SH		SOLE	NONE	561	0	0
WISDOMTREE ETFS/USA	INTL SMCAP DIV	97717W760	8,977	130	SH		SOLE	NONE	130	0	0
WORLD GOLD TRUST SERVICES LLC	SPDR GLD MINIS	98149E303	261,432	5,015	SH		DFND	NONE	5,015	0	0
WORLD GOLD TRUST SERVICES LLC	SPDR GLD MINIS	98149E303	17,895,603	343,288	SH		SOLE	NONE	343,288	0	0
WP Carey Inc	COM	92936U109	52,955	850	SH		DFND	NONE	850	0	0
WW Grainger Inc	COM	384802104	7,272	7	SH		SOLE	NONE	7	0	0
Walgreens Boots Alliance Inc	COM	931427108	986	110	SH		SOLE	NONE	110	0	0
Walmart Inc	COM	931142103	274,550	3,400	SH		DFND	NONE	3,400	0	0
Walmart Inc	COM	931142103	3,375,513	41,802	SH		SOLE	NONE	41,802	0	0
Walt Disney Co/The	COM	254687106	75,413	784	SH		DFND	NONE	784	0	0
Walt Disney Co/The	COM	254687106	1,484,093	15,429	SH		SOLE	NONE	15,429	0	0
Warner Bros Discovery Inc	COM SER A	934423104	396	48	SH		DFND	NONE	48	0	0
Warner Bros Discovery Inc	COM SER A	934423104	8,720	1,057	SH		SOLE	NONE	1,057	0	0
Waters Corp	COM	941848103	25,192	70	SH		SOLE	NONE	70	0	0
Webster Financial Corp	COM	947890109	27,966	600	SH		SOLE	NONE	600	0	0
Wendy's Co/The	COM	95058W100	8,760	500	SH		DFND	NONE	500	0	0
West Pharmaceutical Services I	COM	955306105	3,302	11	SH		SOLE	NONE	11	0	0
Weyerhaeuser Co	COM NEW	962166104	37,754	1,115	SH		SOLE	NONE	1,115	0	0
Whirlpool Corp	COM	963320106	10,165	95	SH		DFND	NONE	95	0	0
Williams Cos Inc/The	COM	969457100	8,445	185	SH		SOLE	NONE	185	0	0
Williams-Sonoma Inc	COM	969904101	196,748	1,270	SH		SOLE	NONE	1,270	0	0
WisdomTree Asset Management Inc	US QTLY DIV GRT	97717X669	14,978	180	SH		SOLE	NONE	180	0	0
Woodside Energy Group Ltd	SPONSORED ADR	980228308	3,034	176	SH		DFND	NONE	176	0	0
Xcel Energy Inc	COM	98389B100	24,683	378	SH		SOLE	NONE	378	0	0
Xerox Holdings Corp	COM NEW	98421M106	830	80	SH		SOLE	NONE	80	0	0
Xylem Inc/NY	COM	98419M100	31,732	235	SH		SOLE	NONE	235	0	0
YUM BRANDS INC	COM	988498101	419	3	SH		SOLE	NONE	3	0	0
ZIMMER HLDGS INC	COM	98956P102	31,198	289	SH		SOLE	NONE	289	0	0
Zoetis Inc	CL A	98978V103	3,908	20	SH		SOLE	NONE	20	0	0
iShares ETFs/USA	MSCI EQUAL WEITE	464286681	1,359,604	14,201	SH		SOLE	NONE	14,201	0	0
iShares ETFs/USA	CORE US AGGBD ET	464287226	70,281	694	SH		DFND	NONE	694	0	0
iShares ETFs/USA	CORE US AGGBD ET	464287226	80,915	799	SH		SOLE	NONE	799	0	0
iShares ETFs/USA	RUS MDCP VAL ETF	464287473	62,819	475	SH		SOLE	NONE	475	0	0
iShares ETFs/USA	RUS MD CP GR ETF	464287481	12,550	107	SH		SOLE	NONE	107	0	0
iShares ETFs/USA	RUS MID CAP ETF	464287499	552,638	6,270	SH		SOLE	NONE	6,270	0	0
iShares ETFs/USA	CORE S&P MCP ETF	464287507	1,674,663	26,872	SH		DFND	NONE	26,872	0	0
iShares ETFs/USA	CORE S&P MCP ETF	464287507	56,986,124	914,411	SH		SOLE	NONE	914,411	0	0
iShares ETFs/USA	RUS 1000 ETF	464287622	11,947	38	SH		SOLE	NONE	38	0	0
iShares ETFs/USA	RUS 2000 GRW ETF	464287648	450,708	1,587	SH		SOLE	NONE	1,587	0	0
iShares ETFs/USA	RUSSELL 3000 ETF	464287689	73,514	225	SH		SOLE	NONE	225	0	0
iShares ETFs/USA	S&P MC 400VL ETF	464287705	1,457,851	11,793	SH		SOLE	NONE	11,793	0	0
iShares ETFs/USA	US CONSM STAPLES	464287812	28,793	408	SH		DFND	NONE	408	0	0
iShares ETFs/USA	DOW JONES US ETF	464287846	65,886	472	SH		SOLE	NONE	472	0	0
iShares ETFs/USA	JPMORGAN USD EMG	464288281	9,683	103	SH		SOLE	NONE	103	0	0
iShares ETFs/USA	MBS ETF	464288588	414,378	4,325	SH		DFND	NONE	4,325	0	0
iShares ETFs/USA	MBS ETF	464288588	27,260,068	284,522	SH		SOLE	NONE	284,522	0	0
iShares ETFs/USA	INTRM GOV CR ETF	464288612	488,912	4,565	SH		SOLE	NONE	4,565	0	0
iShares ETFs/USA	ISHS 5-10YR INVT	464288638	257,373	4,791	SH		DFND	NONE	4,791	0	0
iShares ETFs/USA	ISHS 5-10YR INVT	464288638	688,046	12,808	SH		SOLE	NONE	12,808	0	0
iShares ETFs/USA	ISHS 1-5YR INVS	464288646	471,254	8,949	SH		DFND	NONE	8,949	0	0
iShares ETFs/USA	ISHS 1-5YR INVS	464288646	37,413,108	710,465	SH		SOLE	NONE	710,465	0	0
iShares ETFs/USA	GLOB UTILITS ETF	464288711	105,760	1,495	SH		SOLE	NONE	1,495	0	0
iShares ETFs/USA	US OIL GS EX ETF	464288851	16,552	181	SH		SOLE	NONE	181	0	0
iShares ETFs/USA	MSCI USA MIN VOL	46429B697	72,774	797	SH		SOLE	NONE	797	0	0
iShares ETFs/USA	MSCI USA QLT FCT	46432F339	215,519	1,202	SH		SOLE	NONE	1,202	0	0
iShares ETFs/USA	MSCI USA MMENTM	46432F396	60,828	300	SH		SOLE	NONE	300	0	0
iShares ETFs/USA	ESG AWR US AGRGT	46435U549	343,871	7,077	SH		SOLE	NONE	7,077	0	0
iShares ETFs/USA	ESG AWARE MSCI	46435U663	419,538	10,032	SH		SOLE	NONE	10,032	0	0
iShares ETFs/USA	0-3 MNTH TREASRY	46436E718	7,050	70	SH		DFND	NONE	70	0	0
iShares ETFs/USA	0-3 MNTH TREASRY	46436E718	15,255,226	151,462	SH		SOLE	NONE	151,462	0	0