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	76,034	589	SH		DFND	NONE	589	0	0
3M Co	COM	88579Y101	347,123	2,689	SH		SOLE	NONE	2,689	0	0
5TH THIRD BANCORP	COM	316773100	27,482	650	SH		SOLE	NONE	650	0	0
ABERDEEN STANDARD	BBRG ALL COMD K1	003261104	45,030	2,280	SH		SOLE	NONE	2,280	0	0
ADAMS EXPRESS COMPANY	COM	006212104	12,787	633	SH		SOLE	NONE	633	0	0
ADVANCED MICRO DEV	COM	007903107	150,746	1,248	SH		SOLE	NONE	1,248	0	0
ALBEMARLE CORP	COM	012653101	75,406	876	SH		SOLE	NONE	876	0	0
ALCON AG	ORD SHS	H01301128	4,839	57	SH		SOLE	NONE	57	0	0
ALPHABET INC	CAP STK CL A	02079K305	314,806	1,663	SH		DFND	NONE	1,663	0	0
ALPHABET INC	CAP STK CL A	02079K305	5,672,142	29,964	SH		SOLE	NONE	29,964	0	0
ALTRIA GROUP INC	COM	02209S103	57,519	1,100	SH		DFND	NONE	1,100	0	0
ALTRIA GROUP INC	COM	02209S103	477,303	9,128	SH		SOLE	NONE	9,128	0	0
AMC Entertainment Holdings Inc	CL A NEW	00165C302	796	200	SH		SOLE	NONE	200	0	0
AMER EXPRESS CO	COM	025816109	642,349	2,164	SH		SOLE	NONE	2,164	0	0
AMER INTL GRP	COM NEW	026874784	4,659	64	SH		SOLE	NONE	64	0	0
ANALOG DEVICES INC	COM	032654105	236,043	1,111	SH		SOLE	NONE	1,111	0	0
ANSYS, INC.	COM	03662Q105	17,878	53	SH		SOLE	NONE	53	0	0
APPLIED MATERIALS	COM	038222105	88,633	545	SH		DFND	NONE	545	0	0
APPLIED MATERIALS	COM	038222105	2,627,068	16,154	SH		SOLE	NONE	16,154	0	0
ASML HOLDING NV	N Y REGISTRY SHS	N07059210	4,852	7	SH		SOLE	NONE	7	0	0
AT&T INC	COM	00206R102	176,718	7,761	SH		DFND	NONE	7,761	0	0
AT&T INC	COM	00206R102	1,533,843	67,362	SH		SOLE	NONE	67,362	0	0
AUTOMATIC DATA PROCESSING	COM	053015103	405,431	1,385	SH		DFND	NONE	1,385	0	0
AUTOMATIC DATA PROCESSING	COM	053015103	1,124,669	3,842	SH		SOLE	NONE	3,842	0	0
AUTOZONE INC	COM	053332102	147,292	46	SH		SOLE	NONE	46	0	0
AbbVie Inc	COM	00287Y109	217,860	1,226	SH		DFND	NONE	1,226	0	0
AbbVie Inc	COM	00287Y109	2,283,090	12,848	SH		SOLE	NONE	12,848	0	0
Abbott Laboratories	COM	002824100	33,028	292	SH		DFND	NONE	292	0	0
Abbott Laboratories	COM	002824100	626,969	5,543	SH		SOLE	NONE	5,543	0	0
Accenture PLC	SHS CLASS A	G1151C101	35,179	100	SH		DFND	NONE	100	0	0
Accenture PLC	SHS CLASS A	G1151C101	352,142	1,001	SH		SOLE	NONE	1,001	0	0
Adobe Inc	COM	00724F101	74,262	167	SH		DFND	NONE	167	0	0
Adobe Inc	COM	00724F101	1,874,771	4,216	SH		SOLE	NONE	4,216	0	0
Aflac Inc	COM	001055102	111,198	1,075	SH		SOLE	NONE	1,075	0	0
Air Products and Chemicals Inc	COM	009158106	21,753	75	SH		SOLE	NONE	75	0	0
Alliant Energy Corp	COM	018802108	11,414	193	SH		SOLE	NONE	193	0	0
Ally Financial Inc	COM	02005N100	14,512	403	SH		SOLE	NONE	403	0	0
Alphabet Inc	CAP STK CL C	02079K107	192,535	1,011	SH		DFND	NONE	1,011	0	0
Alphabet Inc	CAP STK CL C	02079K107	3,802,937	19,969	SH		SOLE	NONE	19,969	0	0
Amazon.com Inc	COM	023135106	147,869	674	SH		DFND	NONE	674	0	0
Amazon.com Inc	COM	023135106	4,658,747	21,235	SH		SOLE	NONE	21,235	0	0
Amcor PLC	ORD	G0250X107	28,230	3,000	SH		SOLE	NONE	3,000	0	0
American Electric Power Co Inc	COM	025537101	57,631	625	SH		SOLE	NONE	625	0	0
American Tower Corp	COM	03027X100	17,057	93	SH		SOLE	NONE	93	0	0
American Water Works Co Inc	COM	030420103	82,288	661	SH		DFND	NONE	661	0	0
American Water Works Co Inc	COM	030420103	1,555,503	12,495	SH		SOLE	NONE	12,495	0	0
Ameriprise Financial Inc	COM	03076C106	33,543	63	SH		SOLE	NONE	63	0	0
Amgen Inc	COM	031162100	23,458	90	SH		DFND	NONE	90	0	0
Amgen Inc	COM	031162100	1,612,840	6,188	SH		SOLE	NONE	6,188	0	0
Amphenol Corp	CL A	032095101	7,362	106	SH		SOLE	NONE	106	0	0
Aon PLC	SHS CL A	G0403H108	855,878	2,383	SH		SOLE	NONE	2,383	0	0
Apple Inc	COM	037833100	436,983	1,745	SH		DFND	NONE	1,745	0	0
Apple Inc	COM	037833100	16,820,721	67,170	SH		SOLE	NONE	67,170	0	0
Archer-Daniels-Midland Co	COM	039483102	50,520	1,000	SH		DFND	NONE	1,000	0	0
Archer-Daniels-Midland Co	COM	039483102	2,829	56	SH		SOLE	NONE	56	0	0
Arthur J Gallagher & Co	COM	363576109	117,514	414	SH		SOLE	NONE	414	0	0
Atmos Energy Corp	COM	049560105	5,989	43	SH		SOLE	NONE	43	0	0
Avanos Medical Inc	COM	05350V106	494	31	SH		DFND	NONE	31	0	0
BALL CORP	COM	058498106	1,819	33	SH		SOLE	NONE	33	0	0
BARCLAYS CAPITAL INC	DJUBS CMDT ETN36	06738C778	9,627	300	SH		DFND	NONE	300	0	0
BARCLAYS CAPITAL INC	DJUBS CMDT ETN36	06738C778	392,493	12,231	SH		SOLE	NONE	12,231	0	0
BARRICK GOLD CORP	COM	067901108	341,388	22,025	SH		SOLE	NONE	22,025	0	0
BAXTER INTL INC	COM	071813109	7,290	250	SH		DFND	NONE	250	0	0
BAXTER INTL INC	COM	071813109	1,166	40	SH		SOLE	NONE	40	0	0
BECTON DICKINSON	COM	075887109	45,374	200	SH		DFND	NONE	200	0	0
BECTON DICKINSON	COM	075887109	57,398	253	SH		SOLE	NONE	253	0	0
BHP BILLITON LTD	SPONSORED ADS	088606108	21,827	447	SH		DFND	NONE	447	0	0
BHP BILLITON LTD	SPONSORED ADS	088606108	18,360	376	SH		SOLE	NONE	376	0	0
BK OF AMERICA CORP	COM	060505104	141,343	3,216	SH		DFND	NONE	3,216	0	0
BK OF AMERICA CORP	COM	060505104	163,035	3,710	SH		SOLE	NONE	3,710	0	0
BK OF NY MELLON CP	COM	064058100	232,949	3,032	SH		SOLE	NONE	3,032	0	0
BOEING CO	COM	097023105	58,764	332	SH		DFND	NONE	332	0	0
BOEING CO	COM	097023105	910,842	5,146	SH		SOLE	NONE	5,146	0	0
BP PLC	SPONSORED ADR	055622104	5,439	184	SH		DFND	NONE	184	0	0
BP PLC	SPONSORED ADR	055622104	28,141	952	SH		SOLE	NONE	952	0	0
BRIGHTHOUSE FINANCIAL INC.	COM	10922N103	817	17	SH		DFND	NONE	17	0	0
BRISTOL-MYRS SQUIB	COM	110122108	151,185	2,673	SH		DFND	NONE	2,673	0	0
BRISTOL-MYRS SQUIB	COM	110122108	2,226,880	39,372	SH		SOLE	NONE	39,372	0	0
BROADRIDGE FIN SOL	COM	11133T103	76,418	338	SH		DFND	NONE	338	0	0
BROADRIDGE FIN SOL	COM	11133T103	25,774	114	SH		SOLE	NONE	114	0	0
Banco Santander SA	ADR	05964H105	100,028	21,936	SH		SOLE	NONE	21,936	0	0
Bar Harbor Bankshares	COM	066849100	152,900	5,000	SH		DFND	NONE	5,000	0	0
Bar Harbor Bankshares	COM	066849100	97,092	3,175	SH		SOLE	NONE	3,175	0	0
Berkshire Hathaway Inc	CL B NEW	084670702	65,726	145	SH		DFND	NONE	145	0	0
Berkshire Hathaway Inc	CL B NEW	084670702	2,095,513	4,623	SH		SOLE	NONE	4,623	0	0
Berkshire Hills Bancorp Inc	COM	084680107	711	25	SH		SOLE	NONE	25	0	0
Beyond Inc	COM	690370101	247	50	SH		SOLE	NONE	50	0	0
Biogen Inc	COM	09062X103	4,282	28	SH		SOLE	NONE	28	0	0
BlackRock Fund Advisors	MSCI CDA ETF	464286509	2,055	51	SH		SOLE	NONE	51	0	0
BlackRock Fund Advisors	MSCI EQUAL WEITE	464286681	2,303,802	24,159	SH		SOLE	NONE	24,159	0	0
BlackRock Fund Advisors	CORE US AGGBD ET	464287226	67,249	694	SH		DFND	NONE	694	0	0
BlackRock Fund Advisors	CORE US AGGBD ET	464287226	77,423	799	SH		SOLE	NONE	799	0	0
BlackRock Fund Advisors	20 YR TR BD ETF	464287432	13,012	149	SH		SOLE	NONE	149	0	0
BlackRock Fund Advisors	7-10 YR TRSY BD	464287440	57,227	619	SH		SOLE	NONE	619	0	0
BlackRock Fund Advisors	MSCI EAFE ETF	464287465	197,569	2,613	SH		DFND	NONE	2,613	0	0
BlackRock Fund Advisors	MSCI EAFE ETF	464287465	284,445	3,762	SH		SOLE	NONE	3,762	0	0
BlackRock Fund Advisors	RUS MDCP VAL ETF	464287473	60,272	466	SH		SOLE	NONE	466	0	0
BlackRock Fund Advisors	RUS MID CAP ETF	464287499	563,020	6,369	SH		SOLE	NONE	6,369	0	0
BlackRock Fund Advisors	CORE S&P MCP ETF	464287507	1,620,372	26,005	SH		DFND	NONE	26,005	0	0
BlackRock Fund Advisors	CORE S&P MCP ETF	464287507	57,771,746	927,167	SH		SOLE	NONE	927,167	0	0
BlackRock Fund Advisors	S&P MC 400GR ETF	464287606	55,195	607	SH		DFND	NONE	607	0	0
BlackRock Fund Advisors	S&P MC 400GR ETF	464287606	852,742	9,378	SH		SOLE	NONE	9,378	0	0
BlackRock Fund Advisors	RUS 1000 ETF	464287622	12,242	38	SH		SOLE	NONE	38	0	0
BlackRock Fund Advisors	RUS 2000 GRW ETF	464287648	446,697	1,552	SH		SOLE	NONE	1,552	0	0
BlackRock Fund Advisors	RUSSELL 3000 ETF	464287689	75,206	225	SH		SOLE	NONE	225	0	0
BlackRock Fund Advisors	S&P MC 400VL ETF	464287705	1,473,653	11,793	SH		SOLE	NONE	11,793	0	0
BlackRock Fund Advisors	CORE S&P SCP ETF	464287804	1,543,602	13,397	SH		DFND	NONE	13,397	0	0
BlackRock Fund Advisors	CORE S&P SCP ETF	464287804	54,894,721	476,434	SH		SOLE	NONE	476,434	0	0
BlackRock Fund Advisors	US CONSM STAPLES	464287812	26,761	408	SH		DFND	NONE	408	0	0
BlackRock Fund Advisors	DOW JONES US ETF	464287846	67,538	472	SH		SOLE	NONE	472	0	0
BlackRock Fund Advisors	INTL TREA BD ETF	464288117	5,763	150	SH		DFND	NONE	150	0	0
BlackRock Fund Advisors	SHRT NAT MUN ETF	464288158	1,737,170	16,469	SH		SOLE	NONE	16,469	0	0
BlackRock Fund Advisors	JPMORGAN USD EMG	464288281	16,235	182	SH		SOLE	NONE	182	0	0
BlackRock Fund Advisors	INTL SEL DIV ETF	464288448	3,854,830	140,790	SH		DFND	NONE	140,790	0	0
BlackRock Fund Advisors	INTL SEL DIV ETF	464288448	5,845,657	213,501	SH		SOLE	NONE	213,501	0	0
BlackRock Fund Advisors	MSCI KLD400 SOC	464288570	337,365	3,060	SH		DFND	NONE	3,060	0	0
BlackRock Fund Advisors	MSCI KLD400 SOC	464288570	2,682,383	24,330	SH		SOLE	NONE	24,330	0	0
BlackRock Fund Advisors	MBS ETF	464288588	406,051	4,429	SH		DFND	NONE	4,429	0	0
BlackRock Fund Advisors	MBS ETF	464288588	28,582,202	311,760	SH		SOLE	NONE	311,761	0	0
BlackRock Fund Advisors	GOV/CRED BD ETF	464288596	1,003,742	9,819	SH		SOLE	NONE	9,819	0	0
BlackRock Fund Advisors	INTRM GOV CR ETF	464288612	149,153	1,431	SH		DFND	NONE	1,431	0	0
BlackRock Fund Advisors	INTRM GOV CR ETF	464288612	1,122,661	10,771	SH		SOLE	NONE	10,771	0	0
BlackRock Fund Advisors	USD INV GRDE ETF	464288620	22,324	444	SH		SOLE	NONE	444	0	0
BlackRock Fund Advisors	ISHS 5-10YR INVT	464288638	220,411	4,279	SH		DFND	NONE	4,279	0	0
BlackRock Fund Advisors	ISHS 5-10YR INVT	464288638	621,829	12,072	SH		SOLE	NONE	12,072	0	0
BlackRock Fund Advisors	ISHS 1-5YR INVS	464288646	505,781	9,783	SH		DFND	NONE	9,783	0	0
BlackRock Fund Advisors	ISHS 1-5YR INVS	464288646	37,832,713	731,774	SH		SOLE	NONE	731,774	0	0
BlackRock Fund Advisors	3 7 YR TREAS BD	464288661	83,889	726	SH		DFND	NONE	726	0	0
BlackRock Fund Advisors	3 7 YR TREAS BD	464288661	1,282,489	11,099	SH		SOLE	NONE	11,099	0	0
BlackRock Fund Advisors	GLOB UTILITS ETF	464288711	86,603	1,350	SH		SOLE	NONE	1,350	0	0
BlackRock Fund Advisors	U.S. MED DVC ETF	464288810	3,326	57	SH		SOLE	NONE	57	0	0
BlackRock Fund Advisors	US OIL GS EX ETF	464288851	16,223	181	SH		SOLE	NONE	181	0	0
BlackRock Fund Advisors	MSCI USA MIN VOL	46429B697	70,766	797	SH		SOLE	NONE	797	0	0
BlackRock Fund Advisors	MSCI USA QLT FCT	46432F339	214,052	1,202	SH		SOLE	NONE	1,202	0	0
BlackRock Fund Advisors	MSCI USA MMENTM	46432F396	62,076	300	SH		SOLE	NONE	300	0	0
BlackRock Fund Advisors	CORE MSCI EMKT	46434G103	950,633	18,204	SH		SOLE	NONE	18,204	0	0
BlackRock Fund Advisors	MSCI EMRG CHN	46434G764	99,921	1,802	SH		SOLE	NONE	1,802	0	0
BlackRock Fund Advisors	ESG AWARE MSCI	46435U663	490,219	11,658	SH		SOLE	NONE	11,658	0	0
Blackstone Inc	COM	09260D107	27,760	161	SH		SOLE	NONE	161	0	0
Booking Holdings Inc	COM	09857L108	19,874	4	SH		SOLE	NONE	4	0	0
Boston Scientific Corp	COM	101137107	13,398	150	SH		SOLE	NONE	150	0	0
Broadcom Inc	COM	11135F101	31,298	135	SH		DFND	NONE	135	0	0
Broadcom Inc	COM	11135F101	1,032,615	4,454	SH		SOLE	NONE	4,454	0	0
CAMECO CORP	COM	13321L108	22,355	435	SH		DFND	NONE	435	0	0
CARNIVAL CORP	UNIT 99/99/9999	143658300	2,492	100	SH		SOLE	NONE	100	0	0
CARRIER GLOBAL CORP	COM	14448C104	73,380	1,075	SH		DFND	NONE	1,075	0	0
CARRIER GLOBAL CORP	COM	14448C104	78,499	1,150	SH		SOLE	NONE	1,150	0	0
CDN NATL RAILWAYS	COM	136375102	63,342	624	SH		SOLE	NONE	624	0	0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	EMRG MKTEQ ETF	808524706	14,300	537	SH		DFND	NONE	537	0	0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	EMRG MKTEQ ETF	808524706	4,221,531	158,525	SH		SOLE	NONE	158,525	0	0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	US DIVIDEND EQ	808524797	10,901	399	SH		DFND	NONE	399	0	0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	US DIVIDEND EQ	808524797	2,364,956	86,565	SH		SOLE	NONE	86,565	0	0
CHUBB LIMITED COM	COM	H1467J104	44,761	162	SH		SOLE	NONE	162	0	0
CINTAS CORP	COM	172908105	1,644	9	SH		SOLE	NONE	9	0	0
CISCO SYSTEMS	COM	17275R102	45,880	775	SH		DFND	NONE	775	0	0
CISCO SYSTEMS	COM	17275R102	2,242,318	37,877	SH		SOLE	NONE	37,877	0	0
CLEVELAND CLIFFS COM	COM	185899101	9,400	1,000	SH		SOLE	NONE	1,000	0	0
CME Group Inc	COM	12572Q105	27,403	118	SH		SOLE	NONE	118	0	0
CMS Energy Corp	COM	125896100	11,144	167	SH		SOLE	NONE	167	0	0
COLGATE-PALMOLIVE	COM	194162103	93,274	1,026	SH		SOLE	NONE	1,026	0	0
CONOCOPHILLIPS	COM	20825C104	17,851	180	SH		DFND	NONE	180	0	0
CONOCOPHILLIPS	COM	20825C104	228,339	2,302	SH		SOLE	NONE	2,303	0	0
CORNING INC	COM	219350105	23,142	487	SH		DFND	NONE	487	0	0
CORNING INC	COM	219350105	1,720,604	36,208	SH		SOLE	NONE	36,208	0	0
CSX CORP	COM	126408103	34,852	1,080	SH		DFND	NONE	1,080	0	0
CSX CORP	COM	126408103	374,137	11,594	SH		SOLE	NONE	11,594	0	0
CUMMINS INC	COM	231021106	61,649	177	SH		SOLE	NONE	177	0	0
CVS Health Corp	COM	126650100	11,447	255	SH		DFND	NONE	255	0	0
CVS Health Corp	COM	126650100	29,179	650	SH		SOLE	NONE	650	0	0
Camden National Corp	COM	133034108	50,390	1,179	SH		SOLE	NONE	1,179	0	0
Capital One Financial Corp	COM	14040H105	31,206	175	SH		DFND	NONE	175	0	0
Capital One Financial Corp	COM	14040H105	41,727	234	SH		SOLE	NONE	234	0	0
Cardinal Health Inc	COM	14149Y108	47,781	404	SH		SOLE	NONE	404	0	0
Carmell Corp	COM	142922103	9,659	34,608	SH		SOLE	NONE	34,608	0	0
Catalyst Pharmaceuticals Inc	COM	14888U101	2,087	100	SH		SOLE	NONE	100	0	0
Caterpillar Inc	COM	149123101	181,380	500	SH		DFND	NONE	500	0	0
Caterpillar Inc	COM	149123101	263,440	726	SH		SOLE	NONE	726	0	0
Celsius Holdings Inc	COM NEW	15118V207	28,026	1,064	SH		DFND	NONE	1,064	0	0
Celsius Holdings Inc	COM NEW	15118V207	589,068	22,364	SH		SOLE	NONE	22,364	0	0
Charles Schwab Corp/The	COM	808513105	3,404	46	SH		SOLE	NONE	46	0	0
Charles Schwab Investment Management Inc	US BRD MKT ETF	808524102	113,895	5,017	SH		SOLE	NONE	5,017	0	0
Charles Schwab Investment Management Inc	US LRG CAP ETF	808524201	51,691	2,230	SH		DFND	NONE	2,230	0	0
Charles Schwab Investment Management Inc	US LRG CAP ETF	808524201	81,274,281	3,506,224	SH		SOLE	NONE	3,506,224	0	0
Charles Schwab Investment Management Inc	US LCAP GR ETF	808524300	56,855	2,040	SH		SOLE	NONE	2,040	0	0
Charles Schwab Investment Management Inc	US MID-CAP ETF	808524508	57,221	2,065	SH		DFND	NONE	2,065	0	0
Charles Schwab Investment Management Inc	US MID-CAP ETF	808524508	17,207,079	620,970	SH		SOLE	NONE	620,970	0	0
Charles Schwab Investment Management Inc	US SML CAP ETF	808524607	57,513	2,224	SH		DFND	NONE	2,224	0	0
Charles Schwab Investment Management Inc	US SML CAP ETF	808524607	16,376,345	633,269	SH		SOLE	NONE	633,269	0	0
Charles Schwab Investment Management Inc	5 10YR CORP BD	808524698	37,078	1,680	SH		SOLE	NONE	1,680	0	0
Charles Schwab Investment Management Inc	INTL EQTY ETF	808524805	66,841	3,613	SH		DFND	NONE	3,613	0	0
Charles Schwab Investment Management Inc	INTL EQTY ETF	808524805	19,383,282	1,047,745	SH		SOLE	NONE	1,047,745	0	0
Charles Schwab Investment Management Inc	US AGGREGATE B	808524839	2,207,819	97,261	SH		SOLE	NONE	97,261	0	0
Charles Schwab Investment Management Inc	INT-TRM U.S TRES	808524854	482,108	19,848	SH		SOLE	NONE	19,848	0	0
Chemours Co/The	COM	163851108	592	35	SH		DFND	NONE	35	0	0
Chevron Corp	COM	166764100	29,837	206	SH		DFND	NONE	206	0	0
Chevron Corp	COM	166764100	660,174	4,558	SH		SOLE	NONE	4,558	0	0
Chewy Inc	CL A	16679L109	1,306	39	SH		SOLE	NONE	39	0	0
Church & Dwight Co Inc	COM	171340102	89,946	859	SH		SOLE	NONE	859	0	0
Cincinnati Financial Corp	COM	172062101	43,110	300	SH		SOLE	NONE	300	0	0
Citigroup Inc	COM NEW	172967424	112,976	1,605	SH		DFND	NONE	1,605	0	0
Citigroup Inc	COM NEW	172967424	1,875,471	26,644	SH		SOLE	NONE	26,644	0	0
Clorox Co/The	COM	189054109	25,986	160	SH		DFND	NONE	160	0	0
Clorox Co/The	COM	189054109	362,012	2,229	SH		SOLE	NONE	2,229	0	0
Coca-Cola Co/The	COM	191216100	45,076	724	SH		DFND	NONE	724	0	0
Coca-Cola Co/The	COM	191216100	650,688	10,451	SH		SOLE	NONE	10,451	0	0
Cognition Therapeutics Inc	COM	19243B102	23,858	34,019	SH		SOLE	NONE	34,019	0	0
Coherent Corp	COM	19247G107	236,257	2,494	SH		SOLE	NONE	2,494	0	0
Comcast Corp	CL A	20030N101	776,496	20,690	SH		SOLE	NONE	20,690	0	0
Commerce Bancshares Inc/MO	COM	200525103	3,402	55	SH		SOLE	NONE	55	0	0
Conduent Inc	COM	206787103	259	64	SH		SOLE	NONE	64	0	0
Consolidated Edison Inc	COM	209115104	57,732	647	SH		DFND	NONE	647	0	0
Consolidated Edison Inc	COM	209115104	998,127	11,186	SH		SOLE	NONE	11,186	0	0
Constellation Brands Inc	CL A	21036P108	56,355	255	SH		DFND	NONE	255	0	0
Constellation Brands Inc	CL A	21036P108	1,824,177	8,254	SH		SOLE	NONE	8,254	0	0
Constellation Energy Corp	COM	21037T109	13,716	61	SH		SOLE	NONE	61	0	0
Corteva Inc	COM	22052L104	4,329	76	SH		DFND	NONE	76	0	0
Corteva Inc	COM	22052L104	42,264	742	SH		SOLE	NONE	742	0	0
Costco Wholesale Corp	COM	22160K105	1,010,668	1,103	SH		SOLE	NONE	1,103	0	0
Cullen/Frost Bankers Inc	COM	229899109	4,565	34	SH		SOLE	NONE	34	0	0
CyberArk Software Ltd	SHS	M2682V108	119,934	360	SH		SOLE	NONE	360	0	0
DEERE & CO	COM	244199105	254,220	600	SH		DFND	NONE	600	0	0
DEERE & CO	COM	244199105	619,873	1,463	SH		SOLE	NONE	1,463	0	0
DENTSPLY SIRONA	COM	24906P109	4,897	258	SH		SOLE	NONE	258	0	0
DIAGEO	SPON ADR NEW	25243Q205	12,713	100	SH		DFND	NONE	100	0	0
DIAGEO	SPON ADR NEW	25243Q205	757,568	5,959	SH		SOLE	NONE	5,959	0	0
DISCOVER FINL SVCS	COM	254709108	9,874	57	SH		SOLE	NONE	57	0	0
DNOW Inc	COM	67011P100	1,457	112	SH		DFND	NONE	112	0	0
DOMINION RES(VIR)	COM	25746U109	16,697	310	SH		SOLE	NONE	310	0	0
DUKE ENERGY CORP	COM NEW	26441C204	59,796	555	SH		DFND	NONE	555	0	0
DUKE ENERGY CORP	COM NEW	26441C204	61,493	571	SH		SOLE	NONE	571	0	0
Danaher Corp	COM	235851102	390,235	1,700	SH		SOLE	NONE	1,700	0	0
Darden Restaurants Inc	COM	237194105	55,447	297	SH		SOLE	NONE	297	0	0
Dell Technologies Inc	CL C	24703L202	11,524	100	SH		DFND	NONE	100	0	0
Dell Technologies Inc	CL C	24703L202	23,739	206	SH		SOLE	NONE	206	0	0
Delta Air Lines Inc	COM NEW	247361702	9,126	151	SH		SOLE	NONE	151	0	0
Digital Realty Trust Inc	COM	253868103	7,093	40	SH		SOLE	NONE	40	0	0
Domino's Pizza Inc	COM	25754A201	12,637	30	SH		SOLE	NONE	30	0	0
Donaldson Co Inc	COM	257651109	111,397	1,654	SH		SOLE	NONE	1,654	0	0
DoubleLine ETF Trust	None	25861R105	7,155	158	SH		SOLE	NONE	158	0	0
DoubleLine ETF Trust	None	25861R402	6,590	137	SH		SOLE	NONE	137	0	0
DoubleLine ETF Trust	None	25861R600	7,106	251	SH		SOLE	NONE	251	0	0
Dow Inc	COM	260557103	3,050	76	SH		DFND	NONE	76	0	0
Dow Inc	COM	260557103	30,218	753	SH		SOLE	NONE	753	0	0
DuPont de Nemours Inc	COM	26614N102	19,063	250	SH		DFND	NONE	250	0	0
DuPont de Nemours Inc	COM	26614N102	62,904	825	SH		SOLE	NONE	825	0	0
EBAY INC	COM	278642103	6,753	109	SH		DFND	NONE	109	0	0
EBAY INC	COM	278642103	248	4	SH		SOLE	NONE	4	0	0
ECOLAB INC	COM	278865100	63,969	273	SH		SOLE	NONE	273	0	0
EMERSON ELECTRIC	COM	291011104	81,174	655	SH		DFND	NONE	655	0	0
EMERSON ELECTRIC	COM	291011104	1,398,969	11,288	SH		SOLE	NONE	11,288	0	0
ENBRIDGE INC	COM	29250N105	110,997	2,616	SH		DFND	NONE	2,616	0	0
ENBRIDGE INC	COM	29250N105	1,123,292	26,474	SH		SOLE	NONE	26,474	0	0
EXELON CORP	COM	30161N101	6,361	169	SH		DFND	NONE	169	0	0
Eaton Corp PLC	SHS	G29183103	570,153	1,718	SH		SOLE	NONE	1,718	0	0
Edwards Lifesciences Corp	COM	28176E108	51,821	700	SH		SOLE	NONE	700	0	0
Elastic NV	ORD SHS	N14506104	71,338	720	SH		DFND	NONE	720	0	0
Elastic NV	ORD SHS	N14506104	1,585,775	16,005	SH		SOLE	NONE	16,005	0	0
Elevance Health Inc	COM	036752103	111,039	301	SH		DFND	NONE	301	0	0
Elevance Health Inc	COM	036752103	1,618,414	4,387	SH		SOLE	NONE	4,387	0	0
Eli Lilly & Co	COM	532457108	567,420	735	SH		DFND	NONE	735	0	0
Eli Lilly & Co	COM	532457108	1,944,038	2,518	SH		SOLE	NONE	2,518	0	0
Embecta Corp	COMMON STOCK	29082K105	826	40	SH		DFND	NONE	40	0	0
Embecta Corp	COMMON STOCK	29082K105	145	7	SH		SOLE	NONE	7	0	0
Energizer Holdings Inc	COM	29272W109	17,759	509	SH		SOLE	NONE	509	0	0
Enterprise Products Partners L	COM	293792107	39,639	1,264	SH		SOLE	NONE	1,264	0	0
Essential Utilities Inc	COM	29670G102	20,823	573	SH		SOLE	NONE	573	0	0
Essex Property Trust Inc	COM	297178105	11,988	42	SH		SOLE	NONE	42	0	0
Eversource Energy	COM	30040W108	48,988	853	SH		SOLE	NONE	853	0	0
Expand Energy Corp	COM	165167735	19,910	200	SH		DFND	NONE	200	0	0
Exxon Mobil Corp	COM	30231G102	1,038,696	9,656	SH		DFND	NONE	9,656	0	0
Exxon Mobil Corp	COM	30231G102	3,739,875	34,767	SH		SOLE	NONE	34,767	0	0
FEDEX CORP	COM	31428X106	64,425	229	SH		DFND	NONE	229	0	0
FEDEX CORP	COM	31428X106	1,793,197	6,374	SH		SOLE	NONE	6,374	0	0
FIRST SOLAR INC	COM	336433107	32,781	186	SH		DFND	NONE	186	0	0
FIRST SOLAR INC	COM	336433107	824,979	4,681	SH		SOLE	NONE	4,681	0	0
FORD MOTOR CO	COM	345370860	4,980	503	SH		SOLE	NONE	503	0	0
FREEPORT-MCMOR C&G	CL B	35671D857	8,291	218	SH		SOLE	NONE	218	0	0
FTI Consulting Inc	COM	302941109	35,359	185	SH		SOLE	NONE	185	0	0
Farmer Bros Co	COM	307675108	900	500	SH		SOLE	NONE	500	0	0
Fastenal Co	COM	311900104	48,611	676	SH		SOLE	NONE	676	0	0
Fidelity Management & Research Co LLC	TOTAL BD ETF	316188309	2,043,155	45,535	SH		DFND	NONE	45,535	0	0
FingerMotion Inc	COM	31788K108	600	500	SH		SOLE	NONE	500	0	0
First Bancorp Inc/The	COM	31866P102	209,255	7,651	SH		DFND	NONE	7,651	0	0
First Bancorp Inc/The	COM	31866P102	4,048	148	SH		SOLE	NONE	148	0	0
First Trust Advisors LP	NASDAQ CYB ETF	33734X846	69,795	1,100	SH		SOLE	NONE	1,100	0	0
First Trust ETFs/USA	RISNG DIVD ACHIV	33738R506	9,167	155	SH		SOLE	NONE	155	0	0
First Trust ETFs/USA	PFD SECS INC ETF	33739E108	990,722	55,973	SH		DFND	NONE	55,973	0	0
Fortinet Inc	COM	34959E109	2,171,150	22,980	SH		SOLE	NONE	22,980	0	0
Fortive Corp	COM	34959J108	41,400	552	SH		SOLE	NONE	552	0	0
Fortune Brands Innovations Inc	COM	34964C106	20,499	300	SH		SOLE	NONE	300	0	0
Franklin Electric Co Inc	COM	353514102	4,775	49	SH		SOLE	NONE	49	0	0
GE HealthCare Technologies Inc	COMMON STOCK	36266G107	1,251	16	SH		DFND	NONE	16	0	0
GE HealthCare Technologies Inc	COMMON STOCK	36266G107	60,902	779	SH		SOLE	NONE	779	0	0
GE Vernova Inc	COM	36828A101	19,078	58	SH		DFND	NONE	58	0	0
GE Vernova Inc	COM	36828A101	192,424	585	SH		SOLE	NONE	585	0	0
GEN DYNAMICS CORP	COM	369550108	71,142	270	SH		DFND	NONE	270	0	0
GEN DYNAMICS CORP	COM	369550108	1,354,640	5,141	SH		SOLE	NONE	5,141	0	0
GENERAL MILLS INC	COM	370334104	131,366	2,060	SH		SOLE	NONE	2,060	0	0
GOLDMAN SACHS GRP	COM	38141G104	8,589	15	SH		SOLE	NONE	15	0	0
GSK PLC	SPONSORED ADR	37733W204	8,455	250	SH		DFND	NONE	250	0	0
GSK PLC	SPONSORED ADR	37733W204	16,606	491	SH		SOLE	NONE	491	0	0
GameStop Corp	CL A	36467W109	7,835	250	SH		SOLE	NONE	250	0	0
Generac Holdings Inc	COM	368736104	79,076	510	SH		DFND	NONE	510	0	0
Generac Holdings Inc	COM	368736104	2,583,133	16,660	SH		SOLE	NONE	16,660	0	0
General Electric Co	COM NEW	369604301	39,362	236	SH		DFND	NONE	236	0	0
General Electric Co	COM NEW	369604301	411,971	2,470	SH		SOLE	NONE	2,470	0	0
Genuine Parts Co	COM	372460105	15,879	136	SH		DFND	NONE	136	0	0
Genuine Parts Co	COM	372460105	844,525	7,233	SH		SOLE	NONE	7,233	0	0
Global Payments Inc	COM	37940X102	4,931	44	SH		SOLE	NONE	44	0	0
Global X ETFs/USA	S&P 500 COVERED	37954Y475	1,783,348	42,562	SH		DFND	NONE	42,562	0	0
Global X Management Co LLC	LITHIUM BTRY ETF	37954Y855	9,019	221	SH		SOLE	NONE	221	0	0
Globe Life Inc	COM	37959E102	109,513	982	SH		SOLE	NONE	982	0	0
Grove Collaborative Holdings	None	39957D201	278	200	SH		SOLE	NONE	200	0	0
HALLIBURTON	COM	406216101	5,656	208	SH		DFND	NONE	208	0	0
HANESBRANDS INC	COM	410345102	1,587	195	SH		SOLE	NONE	195	0	0
HASBRO INC	COM	418056107	10,623	190	SH		DFND	NONE	190	0	0
HASBRO INC	COM	418056107	16,773	300	SH		SOLE	NONE	300	0	0
HCA Healthcare Inc	COM	40412C101	25,591	85	SH		SOLE	NONE	85	0	0
HERSHEY CO (THE)	COM	427866108	31,902	188	SH		SOLE	NONE	188	0	0
Hess Corp	COM	42809H107	19,552	147	SH		SOLE	NONE	147	0	0
Hewlett Packard Enterprise Co	COM	42824C109	10,675	500	SH		SOLE	NONE	500	0	0
Home Depot Inc/The	COM	437076102	285,130	733	SH		DFND	NONE	733	0	0
Home Depot Inc/The	COM	437076102	1,118,695	2,876	SH		SOLE	NONE	2,876	0	0
Honeywell International Inc	COM	438516106	18,071	80	SH		DFND	NONE	80	0	0
Honeywell International Inc	COM	438516106	610,905	2,704	SH		SOLE	NONE	2,704	0	0
Huntington Ingalls Industries	COM	446413106	707,693	3,745	SH		SOLE	NONE	3,745	0	0
ICON PLC	SHS	G4705A100	36,070	172	SH		DFND	NONE	172	0	0
ICON PLC	SHS	G4705A100	1,129,917	5,388	SH		SOLE	NONE	5,388	0	0
IDEXX Laboratories Inc	COM	45168D104	659,850	1,596	SH		SOLE	NONE	1,596	0	0
ILLINOIS TOOL WKS	COM	452308109	101,424	400	SH		DFND	NONE	400	0	0
ILLINOIS TOOL WKS	COM	452308109	18,763	74	SH		SOLE	NONE	74	0	0
INGREDION INC	COM	457187102	13,756	100	SH		SOLE	NONE	100	0	0
INTERCONTINENTAL EXCHANGE	COM	45866F104	66,458	446	SH		DFND	NONE	446	0	0
INTERCONTINENTAL EXCHANGE	COM	45866F104	1,841,466	12,358	SH		SOLE	NONE	12,358	0	0
INTL BUSINESS MCHN	COM	459200101	1,093,654	4,975	SH		DFND	NONE	4,975	0	0
INTL BUSINESS MCHN	COM	459200101	2,574,429	11,711	SH		SOLE	NONE	11,711	0	0
ISHARES	SELECT DIVID ETF	464287168	191,683	1,460	SH		DFND	NONE	1,460	0	0
ISHARES	SELECT DIVID ETF	464287168	281,637	2,145	SH		SOLE	NONE	2,145	0	0
ISHARES	CORE S&P500 ETF	464287200	3,288,366	5,586	SH		DFND	NONE	5,586	0	0
ISHARES	CORE S&P500 ETF	464287200	181,497,483	308,313	SH		SOLE	NONE	308,313	0	0
ISHARES	IBOXX INV CP ETF	464287242	24,039	225	SH		SOLE	NONE	225	0	0
ISHARES	S&P 500 GRWT ETF	464287309	153,209	1,509	SH		SOLE	NONE	1,509	0	0
ISHARES	LATN AMER 40 ETF	464287390	23,001	1,100	SH		SOLE	NONE	1,100	0	0
ISHARES	S&P 500 VAL ETF	464287408	266,087	1,394	SH		SOLE	NONE	1,394	0	0
ISHARES	ISHARES BIOTECH	464287556	301,174	2,278	SH		SOLE	NONE	2,278	0	0
ISHARES	RUS 2000 VAL ETF	464287630	55,325	337	SH		SOLE	NONE	337	0	0
ISHARES	RUSSELL 2000 ETF	464287655	410,102	1,856	SH		SOLE	NONE	1,856	0	0
ISHARES	SP SMCP600VL ETF	464287879	1,069,265	9,845	SH		SOLE	NONE	9,845	0	0
ISHARES	EAFE VALUE ETF	464288877	840	16	SH		SOLE	NONE	16	0	0
ISHARES	CORE MSCI EAFE	46432F842	1,426,543	20,298	SH		DFND	NONE	20,298	0	0
ISHARES	CORE MSCI EAFE	46432F842	56,083,266	797,998	SH		SOLE	NONE	797,998	0	0
ISHARES ETFS/USA	0-5YR INVT GR CP	46434V100	8,705	175	SH		SOLE	NONE	175	0	0
ISHARES ETFS/USA	ESG AW MSCI EAFE	46435G516	291,997	3,835	SH		SOLE	NONE	3,835	0	0
ISHARES TR	MSCI EMG MKT ETF	464287234	78,120	1,868	SH		SOLE	NONE	1,868	0	0
ISHARES TR	FLTG RATE NT ETF	46429B655	9,108	179	SH		SOLE	NONE	179	0	0
ISHARES TR	MSCI EAFE MIN VL	46429B689	7,000	99	SH		SOLE	NONE	99	0	0
ISHARES TRUST	TIPS BD ETF	464287176	16,409	154	SH		DFND	NONE	154	0	0
ISHARES TRUST	TIPS BD ETF	464287176	8,844	83	SH		SOLE	NONE	83	0	0
ISHARES TRUST	GL CLEAN ENE ETF	464288224	10,071	885	SH		SOLE	NONE	885	0	0
ISHARES TRUST	IBOXX HI YD ETF	464288513	7,472	95	SH		DFND	NONE	95	0	0
ISHARES TRUST	IBOXX HI YD ETF	464288513	10,303	131	SH		SOLE	NONE	131	0	0
ISHARES TRUST	CORE HIGH DV ETF	46429B663	15,492	138	SH		SOLE	NONE	138	0	0
ISHARES/USA	RUS 1000 GRW ETF	464287614	4,016	10	SH		SOLE	NONE	10	0	0
ISHARES/USA	S&P SML 600 GWT	464287887	439,953	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	856,023	8,034	SH		SOLE	NONE	8,034	0	0
Icahn Enterprises LP	DEPOSITARY UNIT	451100101	4,335	500	SH		SOLE	NONE	500	0	0
Illumina Inc	COM	452327109	552,159	4,132	SH		SOLE	NONE	4,132	0	0
Indaptus Therapeutics Inc	COM	45339J105	337	400	SH		SOLE	NONE	400	0	0
Ingersoll Rand Inc	COM	45687V106	45,230	500	SH		SOLE	NONE	500	0	0
Insulet Corp	COM	45784P101	4,438	17	SH		SOLE	NONE	17	0	0
Intel Corp	COM	458140100	22,556	1,125	SH		DFND	NONE	1,125	0	0
Intel Corp	COM	458140100	153,202	7,641	SH		SOLE	NONE	7,641	0	0
Intuit Inc	COM	461202103	33,939	54	SH		SOLE	NONE	54	0	0
Intuitive Surgical Inc	COM NEW	46120E602	3,132	6	SH		SOLE	NONE	6	0	0
Invesco Capital Management LLC	UNIT SER 1	46090E103	450,394	881	SH		SOLE	NONE	881	0	0
Invesco Capital Management LLC	WATER RES ETF	46137V142	140,001	2,128	SH		SOLE	NONE	2,128	0	0
Invesco Capital Management LLC	S&P500 EQL WGT	46137V357	1,795,231	10,245	SH		SOLE	NONE	10,245	0	0
Invesco Capital Management LLC	HIG YLD EQ DIV	46137V563	102,282	4,811	SH		SOLE	NONE	4,811	0	0
Invesco Capital Management LLC	S&P500 LOW VOL	46138E354	4,060	58	SH		SOLE	NONE	58	0	0
Invesco Capital Management LLC	PFD ETF	46138E511	74,945	6,500	SH		DFND	NONE	6,500	0	0
Invesco Capital Management LLC	SR LN ETF	46138G508	36,746	1,744	SH		DFND	NONE	1,744	0	0
Invesco Capital Management LLC	SR LN ETF	46138G508	94,246	4,473	SH		SOLE	NONE	4,473	0	0
Invesco Capital Management LLC	TAXABLE MUN BD	46138G805	157,266	6,014	SH		DFND	NONE	6,014	0	0
Invesco Capital Management LLC	TAXABLE MUN BD	46138G805	13,162,649	503,352	SH		SOLE	NONE	503,352	0	0
JB Hunt Transport Services Inc	COM	445658107	162,127	950	SH		SOLE	NONE	950	0	0
JPMorgan Chase & Co	COM	46625H100	411,582	1,717	SH		DFND	NONE	1,717	0	0
JPMorgan Chase & Co	COM	46625H100	10,519,850	43,886	SH		SOLE	NONE	43,886	0	0
Johnson & Johnson	COM	478160104	327,854	2,267	SH		DFND	NONE	2,267	0	0
Johnson & Johnson	COM	478160104	3,693,612	25,540	SH		SOLE	NONE	25,540	0	0
KIMBERLY-CLARK CP	COM	494368103	53,726	410	SH		DFND	NONE	410	0	0
KIMBERLY-CLARK CP	COM	494368103	24,242	185	SH		SOLE	NONE	185	0	0
KLA Corp	COM NEW	482480100	13,898	22	SH		SOLE	NONE	22	0	0
KNIFE RIV HOL CO.	COMMON STOCK	498894104	127,253	1,252	SH		SOLE	NONE	1,252	0	0
KeyCorp	COM	493267108	3,239	189	SH		SOLE	NONE	189	0	0
Kraft Heinz Co/The	COM	500754106	28,407	925	SH		SOLE	NONE	925	0	0
Kyndryl Holdings Inc	COMMON STOCK	50155Q100	3,045	88	SH		SOLE	NONE	88	0	0
L3Harris Technologies Inc	COM	502431109	61,402	292	SH		DFND	NONE	292	0	0
L3Harris Technologies Inc	COM	502431109	71,285	339	SH		SOLE	NONE	339	0	0
LENNAR CORP	CL A	526057104	5,864	43	SH		SOLE	NONE	43	0	0
LOUISIANA PACIFIC	COM	546347105	3,210	31	SH		SOLE	NONE	31	0	0
LOWE'S COS INC	COM	548661107	236,928	960	SH		DFND	NONE	960	0	0
LOWE'S COS INC	COM	548661107	2,148,147	8,704	SH		SOLE	NONE	8,704	0	0
Labcorp Holdings Inc	COM SHS	504922105	2,981	13	SH		SOLE	NONE	13	0	0
Lancaster Colony Corp	COM	513847103	25,971	150	SH		SOLE	NONE	150	0	0
Linde PLC	SHS	G54950103	182,274	435	SH		SOLE	NONE	435	0	0
LivePerson Inc	COM	538146101	1,064	700	SH		SOLE	NONE	700	0	0
Lockheed Martin Corp	COM	539830109	492,257	1,013	SH		SOLE	NONE	1,013	0	0
LyondellBasell Industries NV	SHS - A -	N53745100	16,859	227	SH		SOLE	NONE	227	0	0
M&T Bank Corp	COM	55261F104	682,664	3,631	SH		DFND	NONE	3,631	0	0
M&T Bank Corp	COM	55261F104	115,626	615	SH		SOLE	NONE	615	0	0
MARSH & MCLENNAN	COM	571748102	43,756	206	SH		SOLE	NONE	206	0	0
MARTIN MARIETTA M.	COM	573284106	5,682	11	SH		SOLE	NONE	11	0	0
MASTERCARD INC	CL A	57636Q104	105,314	200	SH		SOLE	NONE	200	0	0
MCDONALD'S CORP	COM	580135101	466,143	1,608	SH		DFND	NONE	1,608	0	0
MCDONALD'S CORP	COM	580135101	2,328,976	8,034	SH		SOLE	NONE	8,034	0	0
MDU RES GROUP INC	COM	552690109	89,848	4,986	SH		SOLE	NONE	4,986	0	0
METLIFE INC	COM	59156R108	56,333	688	SH		DFND	NONE	688	0	0
METLIFE INC	COM	59156R108	39,221	479	SH		SOLE	NONE	479	0	0
MGE Energy Inc	COM	55277P104	12,685	135	SH		SOLE	NONE	135	0	0
MICROSOFT CORP	COM	594918104	799,586	1,897	SH		DFND	NONE	1,897	0	0
MICROSOFT CORP	COM	594918104	8,084,234	19,180	SH		SOLE	NONE	19,180	0	0
MITSUBISHI UFJ FIN	SPONSORED ADS	606822104	5,028	429	SH		SOLE	NONE	429	0	0
MOODYS CORP	COM	615369105	2,367	5	SH		SOLE	NONE	5	0	0
MORGAN STANLEY	COM NEW	617446448	242,011	1,925	SH		DFND	NONE	1,925	0	0
MORGAN STANLEY	COM NEW	617446448	83,855	667	SH		SOLE	NONE	667	0	0
MOTOROLA INC	COM NEW	620076307	11,556	25	SH		SOLE	NONE	25	0	0
Marathon Petroleum Corp	COM	56585A102	48,825	350	SH		DFND	NONE	350	0	0
Marathon Petroleum Corp	COM	56585A102	34,038	244	SH		SOLE	NONE	244	0	0
MarketAxess Holdings Inc	COM	57060D108	1,415,915	6,264	SH		SOLE	NONE	6,264	0	0
Markforged Holding Corp	COM NEW	57064N201	571	182	SH		SOLE	NONE	182	0	0
Marriott International Inc/MD	CL A	571903202	29,094	104	SH		SOLE	NONE	104	0	0
Marvell Technology Inc	COM	573874104	8,726	79	SH		DFND	NONE	79	0	0
Marvell Technology Inc	COM	573874104	16,568	150	SH		SOLE	NONE	150	0	0
MasTec Inc	COM	576323109	429,794	3,157	SH		SOLE	NONE	3,157	0	0
Medtronic PLC	SHS	G5960L103	932,200	11,670	SH		SOLE	NONE	11,670	0	0
Merck & Co Inc	COM	58933Y105	108,234	1,088	SH		DFND	NONE	1,088	0	0
Merck & Co Inc	COM	58933Y105	515,793	5,185	SH		SOLE	NONE	5,185	0	0
Meta Platforms Inc	CL A	30303M102	183,850	314	SH		DFND	NONE	314	0	0
Meta Platforms Inc	CL A	30303M102	1,239,637	2,117	SH		SOLE	NONE	2,117	0	0
Microchip Technology Inc	COM	595017104	4,416	77	SH		SOLE	NONE	77	0	0
Middleby Corp/The	COM	596278101	13,545	100	SH		SOLE	NONE	100	0	0
Mondelez International Inc	CL A	609207105	13,380	224	SH		DFND	NONE	224	0	0
Mondelez International Inc	CL A	609207105	256,481	4,294	SH		SOLE	NONE	4,294	0	0
NET Lease Office Properties	COM	64110Y108	4,182	134	SH		SOLE	NONE	134	0	0
NETAPP INC	COM	64110D104	1,567,994	13,508	SH		SOLE	NONE	13,508	0	0
NETFLIX INC	COM	64110L106	13,370	15	SH		SOLE	NONE	15	0	0
NEXTERA ENERGY	COM	65339F101	57,352	800	SH		DFND	NONE	800	0	0
NEXTERA ENERGY	COM	65339F101	597,152	8,330	SH		SOLE	NONE	8,330	0	0
NIKE INC	CL B	654106103	105,938	1,400	SH		DFND	NONE	1,400	0	0
NIKE INC	CL B	654106103	15,891	210	SH		SOLE	NONE	210	0	0
NORTHROP GRUMMAN	COM	666807102	46,929	100	SH		DFND	NONE	100	0	0
NORTHROP GRUMMAN	COM	666807102	74,617	159	SH		SOLE	NONE	159	0	0
NOV Inc	COM	62955J103	6,570	450	SH		DFND	NONE	450	0	0
NVIDIA Corp	COM	67066G104	75,202	560	SH		DFND	NONE	560	0	0
NVIDIA Corp	COM	67066G104	1,805,679	13,446	SH		SOLE	NONE	13,446	0	0
NXP Semiconductors NV	COM	N6596X109	75,034	361	SH		SOLE	NONE	361	0	0
NY COMMUNITY CAP TRUST V	UNIT 05/07/2051	64944P307	22,524	600	SH		SOLE	NONE	600	0	0
National Grid PLC	SPONSORED ADR NE	636274409	5,942	100	SH		DFND	NONE	100	0	0
Newell Brands Inc	COM	651229106	4,791	481	SH		SOLE	NONE	481	0	0
Newmont Corp	COM	651639106	1,824	49	SH		DFND	NONE	49	0	0
Newmont Corp	COM	651639106	523,909	14,076	SH		SOLE	NONE	14,076	0	0
Norfolk Southern Corp	COM	655844108	58,675	250	SH		SOLE	NONE	250	0	0
Norwood Financial Corp	COM	669549107	46,486	1,709	SH		SOLE	NONE	1,709	0	0
Novartis AG	SPONSORED ADR	66987V109	824,994	8,478	SH		SOLE	NONE	8,478	0	0
Novo Holdings A/S	ADR	670100205	69,246	805	SH		DFND	NONE	805	0	0
Novo Holdings A/S	ADR	670100205	1,370,471	15,932	SH		SOLE	NONE	15,932	0	0
Nucor Corp	COM	670346105	134,567	1,153	SH		SOLE	NONE	1,153	0	0
Nuveen Closed-End Funds/USA	COM	6706ER101	27,378	1,957	SH		SOLE	NONE	1,957	0	0
OMNICOM GROUP INC	COM	681919106	6,023	70	SH		SOLE	NONE	70	0	0
ONEOK Inc	COM	682680103	56,324	561	SH		SOLE	NONE	561	0	0
ORACLE CORP	COM	68389X105	353,395	2,121	SH		SOLE	NONE	2,121	0	0
OSHKOSH CORP	COM	688239201	11,694	123	SH		SOLE	NONE	123	0	0
Omega Healthcare Investors Inc	COM	681936100	17,600	465	SH		SOLE	NONE	465	0	0
Organon & Co	COMMON STOCK	68622V106	836	56	SH		SOLE	NONE	56	0	0
Otis Worldwide Corp	COM	68902V107	49,732	537	SH		DFND	NONE	537	0	0
Otis Worldwide Corp	COM	68902V107	58,807	635	SH		SOLE	NONE	635	0	0
PACCAR INC	COM	693718108	15,017	144	SH		SOLE	NONE	144	0	0
PARKER-HANNIFIN	COM	701094104	28,009	44	SH		SOLE	NONE	44	0	0
PEPSICO INC	COM	713448108	235,237	1,547	SH		DFND	NONE	1,547	0	0
PEPSICO INC	COM	713448108	3,562,617	23,429	SH		SOLE	NONE	23,429	0	0
PHILIP MORRIS INTL	COM	718172109	67,276	559	SH		DFND	NONE	559	0	0
PHILIP MORRIS INTL	COM	718172109	392,221	3,259	SH		SOLE	NONE	3,259	0	0
PNC Financial Services Group I	COM	693475105	1,136,851	5,895	SH		SOLE	NONE	5,895	0	0
PPG Industries Inc	COM	693506107	2,628	22	SH		SOLE	NONE	22	0	0
PPL CORP	COM	69351T106	51,449	1,585	SH		SOLE	NONE	1,585	0	0
PROGRESSIVE CP(OH)	COM	743315103	23,003	96	SH		SOLE	NONE	96	0	0
PRUDENTIAL FINL	COM	744320102	1,262,700	10,653	SH		SOLE	NONE	10,653	0	0
Pacific Investment Management Co LLC	INV GRD CRP BD	72201R817	24,631	259	SH		SOLE	NONE	259	0	0
Packaging Corp of America	COM	695156109	1,241,142	5,513	SH		SOLE	NONE	5,513	0	0
Palantir Technologies Inc	CL A	69608A108	15,126	200	SH		DFND	NONE	200	0	0
Palantir Technologies Inc	CL A	69608A108	3,025	40	SH		SOLE	NONE	40	0	0
Palo Alto Networks Inc	COM	697435105	1,695,503	9,318	SH		SOLE	NONE	9,318	0	0
PayPal Holdings Inc	COM	70450Y103	48,393	567	SH		DFND	NONE	567	0	0
PayPal Holdings Inc	COM	70450Y103	914,440	10,714	SH		SOLE	NONE	10,714	0	0
Paychex Inc	COM	704326107	1,353,123	9,650	SH		SOLE	NONE	9,650	0	0
Pfizer Inc	COM	717081103	116,334	4,385	SH		DFND	NONE	4,385	0	0
Pfizer Inc	COM	717081103	759,076	28,612	SH		SOLE	NONE	28,612	0	0
Phillips 66	COM	718546104	50,015	439	SH		DFND	NONE	439	0	0
Phillips 66	COM	718546104	1,312,474	11,520	SH		SOLE	NONE	11,520	0	0
Polaris Inc	COM	731068102	10,602	184	SH		SOLE	NONE	184	0	0
Procter & Gamble Co/The	COM	742718109	256,505	1,530	SH		DFND	NONE	1,530	0	0
Procter & Gamble Co/The	COM	742718109	665,403	3,969	SH		SOLE	NONE	3,969	0	0
Prologis Inc	COM	74340W103	38,792	367	SH		SOLE	NONE	367	0	0
Public Storage	COM	74460D109	66,176	221	SH		DFND	NONE	221	0	0
Public Storage	COM	74460D109	1,430,425	4,777	SH		SOLE	NONE	4,777	0	0
QUALCOMM Inc	COM	747525103	182,654	1,189	SH		DFND	NONE	1,189	0	0
QUALCOMM Inc	COM	747525103	1,409,003	9,172	SH		SOLE	NONE	9,172	0	0
Quanta Services Inc	COM	74762E102	4,109	13	SH		SOLE	NONE	13	0	0
REALTY INCOME CORP	COM	756109104	63,398	1,187	SH		DFND	NONE	1,187	0	0
REALTY INCOME CORP	COM	756109104	18,694	350	SH		SOLE	NONE	350	0	0
REGENERON PHARMACEUTICALS	COM	75886F107	678,138	952	SH		SOLE	NONE	952	0	0
RPM INTERNATIONAL	COM	749685103	21,905	178	SH		DFND	NONE	178	0	0
RPM INTERNATIONAL	COM	749685103	884,801	7,190	SH		SOLE	NONE	7,190	0	0
RTX Corp	COM	75513E101	324,826	2,807	SH		DFND	NONE	2,807	0	0
RTX Corp	COM	75513E101	2,641,287	22,825	SH		SOLE	NONE	22,825	0	0
Regions Financial Corp	COM	7591EP100	57,224	2,433	SH		SOLE	NONE	2,433	0	0
Rivian Automotive Inc	COM CL A	76954A103	2,261	170	SH		SOLE	NONE	170	0	0
S&P Global Inc	COM	78409V104	53,314	107	SH		SOLE	NONE	107	0	0
SELECT SECTOR SPDR	SBI MATERIALS	81369Y100	23,223	276	SH		DFND	NONE	276	0	0
SELECT SECTOR SPDR	SBI MATERIALS	81369Y100	277,578	3,299	SH		SOLE	NONE	3,299	0	0
SELECT SECTOR SPDR	SBI HEALTHCARE	81369Y209	33,292	242	SH		SOLE	NONE	242	0	0
SELECT SECTOR SPDR	SBI CONS STPLS	81369Y308	183,476	2,334	SH		SOLE	NONE	2,334	0	0
SELECT SECTOR SPDR	SBI CONS DISCR	81369Y407	104,996	468	SH		DFND	NONE	468	0	0
SELECT SECTOR SPDR	SBI CONS DISCR	81369Y407	1,852,009	8,255	SH		SOLE	NONE	8,255	0	0
SELECT SECTOR SPDR	ENERGY	81369Y506	21,929	256	SH		DFND	NONE	256	0	0
SELECT SECTOR SPDR	ENERGY	81369Y506	79,835	932	SH		SOLE	NONE	932	0	0
SELECT SECTOR SPDR	FINANCIAL	81369Y605	154,173	3,190	SH		SOLE	NONE	3,190	0	0
SELECT SECTOR SPDR	TECHNOLOGY	81369Y803	227,870	980	SH		DFND	NONE	980	0	0
SELECT SECTOR SPDR	TECHNOLOGY	81369Y803	1,380,936	5,939	SH		SOLE	NONE	5,939	0	0
SELECT SECTOR SPDR	SBI INT-UTILS	81369Y886	7,569	100	SH		DFND	NONE	100	0	0
SELECT SECTOR SPDR	SBI INT-UTILS	81369Y886	395,026	5,219	SH		SOLE	NONE	5,219	0	0
SEMPRA ENERGY	COM	816851109	8,772	100	SH		DFND	NONE	100	0	0
SEMPRA ENERGY	COM	816851109	26,141	298	SH		SOLE	NONE	298	0	0
SHOPIFY INC	CL A	82509L107	16,162	152	SH		SOLE	NONE	152	0	0
SIMON PROP GROUP	COM	828806109	17,738	103	SH		SOLE	NONE	103	0	0
SMUCKER(JM)CO	COM NEW	832696405	10,021	91	SH		SOLE	NONE	91	0	0
SPDR DOW JONES IND	UT SER 1	78467X109	89,355	210	SH		DFND	NONE	210	0	0
SPDR DOW JONES IND	UT SER 1	78467X109	57,443	135	SH		SOLE	NONE	135	0	0
SPDR GOLD TRUST	GOLD SHS	78463V107	121,065	500	SH		SOLE	NONE	500	0	0
SPDR SERIES TRUST	S&P 600 SMCP VAL	78464A300	345,074	3,955	SH		SOLE	NONE	3,955	0	0
SSGA FUNDS MANAGEMENT	PORTFOLIO SHORT	78464A474	9,077	304	SH		SOLE	NONE	304	0	0
SSGA FUNDS MANAGEMENT INC	PORTFOLIO INTRMD	78464A375	22,572	689	SH		SOLE	NONE	689	0	0
SSGA FUNDS MANAGEMENT INC	PRTFLO S&P500 GW	78464A409	8,878	101	SH		SOLE	NONE	101	0	0
SSGA Funds Management	S&P METALS MNG	78464A755	5,675	100	SH		SOLE	NONE	100	0	0
SSGA Funds Management Inc	S&P DIVID ETF	78464A763	169,484	1,283	SH		DFND	NONE	1,283	0	0
SSGA Funds Management Inc	S&P DIVID ETF	78464A763	36,460	276	SH		SOLE	NONE	276	0	0
SSgA Funds Management Inc	TR UNIT	78462F103	415,531	709	SH		DFND	NONE	709	0	0
SSgA Funds Management Inc	TR UNIT	78462F103	2,391,615	4,081	SH		SOLE	NONE	4,081	0	0
SSgA Funds Management Inc	NUVEEN BLMBRG SH	78468R739	19,240	406	SH		SOLE	NONE	406	0	0
SSgA Funds Management Inc	None	78470P309	1,642	39	SH		SOLE	NONE	39	0	0
SSgA Funds Management Inc	INDL	81369Y704	121,614	923	SH		SOLE	NONE	923	0	0
SSgA Funds Management Inc	COMMUNICATION	81369Y852	88,775	917	SH		SOLE	NONE	917	0	0
SSgA Funds Management Inc	RL EST SEL SEC	81369Y860	101,960	2,507	SH		SOLE	NONE	2,507	0	0
STARBUCKS CORP	COM	855244109	14,435	158	SH		SOLE	NONE	158	0	0
STATE STREET ETF/USA	UTSER1 S&PDCRP	78467Y107	297,890	523	SH		SOLE	NONE	523	0	0
STRYKER CORP	COM	863667101	264,277	734	SH		DFND	NONE	734	0	0
STRYKER CORP	COM	863667101	2,029,602	5,637	SH		SOLE	NONE	5,637	0	0
SUN LIFE FINL INC	COM	866796105	11,868	200	SH		SOLE	NONE	200	0	0
Salesforce Inc	COM	79466L302	102,639	307	SH		DFND	NONE	307	0	0
Salesforce Inc	COM	79466L302	2,525,916	7,555	SH		SOLE	NONE	7,555	0	0
Schlumberger NV	COM STK	806857108	15,336	400	SH		DFND	NONE	400	0	0
Schlumberger NV	COM STK	806857108	15,035	392	SH		SOLE	NONE	392	0	0
Schwab ETFs/USA	US REIT ETF	808524847	6,592	313	SH		DFND	NONE	313	0	0
Schwab ETFs/USA	US REIT ETF	808524847	537,472	25,521	SH		SOLE	NONE	25,521	0	0
Schwab ETFs/USA	SHT TM US TRES	808524862	472,996	19,659	SH		DFND	NONE	19,659	0	0
Schwab ETFs/USA	SHT TM US TRES	808524862	39,613,570	1,646,449	SH		SOLE	NONE	1,646,449	0	0
Schwab Strategic Trust	FUNDAMENTAL EMER	808524730	509,334	17,533	SH		SOLE	NONE	17,533	0	0
Seagate Technology Holdings PL	ORD SHS	G7997R103	15,536	180	SH		DFND	NONE	180	0	0
Seagate Technology Holdings PL	ORD SHS	G7997R103	639,039	7,404	SH		SOLE	NONE	7,404	0	0
Sherwin-Williams Co/The	COM	824348106	17,028	50	SH		SOLE	NONE	50	0	0
Sirius XM Holdings Inc	COMMON STOCK	829933100	11,400	500	SH		SOLE	NONE	500	0	0
Skechers USA Inc	CL A	830566105	6,388	95	SH		SOLE	NONE	95	0	0
Snowflake Inc	CL A	833445109	115,344	747	SH		SOLE	NONE	747	0	0
Solventum Corp	COM SHS	83444M101	9,711	147	SH		DFND	NONE	147	0	0
Solventum Corp	COM SHS	83444M101	27,547	417	SH		SOLE	NONE	417	0	0
Sony Group Corp	SPONSORED ADR	835699307	5,925	280	SH		SOLE	NONE	280	0	0
Southern Co/The	COM	842587107	18,110	220	SH		DFND	NONE	220	0	0
Southern Co/The	COM	842587107	1,753,620	21,302	SH		SOLE	NONE	21,302	0	0
State Street Corp	COM	857477103	29,052	296	SH		DFND	NONE	296	0	0
State Street Corp	COM	857477103	74,790	762	SH		SOLE	NONE	762	0	0
State Street ETF/USA	BLOOMBERG INVT	78468R200	8,481	276	SH		SOLE	NONE	276	0	0
Synopsys Inc	COM	871607107	632,424	1,303	SH		SOLE	NONE	1,303	0	0
Sysco Corp	COM	871829107	10,399	136	SH		DFND	NONE	136	0	0
Sysco Corp	COM	871829107	124,706	1,631	SH		SOLE	NONE	1,631	0	0
T Rowe Price Group Inc	COM	74144T108	39,582	350	SH		DFND	NONE	350	0	0
T-MOBILE US INC	COM	872590104	14,503	66	SH		SOLE	NONE	66	0	0
TE Connectivity PLC	ORD SHS	G87052109	7,291	51	SH		SOLE	NONE	51	0	0
TEXAS INSTRUMENTS	COM	882508104	37,502	200	SH		DFND	NONE	200	0	0
TEXAS INSTRUMENTS	COM	882508104	114,756	612	SH		SOLE	NONE	612	0	0
TJX Cos Inc/The	COM	872540109	160,936	1,332	SH		SOLE	NONE	1,332	0	0
TORONTO-DOMINION	COM NEW	891160509	125,859	2,364	SH		SOLE	NONE	2,364	0	0
TOYOTA MOTOR CORP	ADS	892331307	40,673	209	SH		SOLE	NONE	209	0	0
TRACTOR SUPPLY CO	COM	892356106	35,816	675	SH		DFND	NONE	675	0	0
TRACTOR SUPPLY CO	COM	892356106	901,649	16,993	SH		SOLE	NONE	16,993	0	0
TRAVELERS CO INC	COM	89417E109	72,369	300	SH		SOLE	NONE	300	0	0
TSMC	SPONSORED ADS	874039100	30,216	153	SH		SOLE	NONE	153	0	0
Takeda Pharmaceutical Co Ltd	SPONSORED ADS	874060205	2,463	186	SH		DFND	NONE	186	0	0
Target Corp	COM	87612E106	978,838	7,241	SH		SOLE	NONE	7,241	0	0
Teledyne Technologies Inc	COM	879360105	4,177	9	SH		SOLE	NONE	9	0	0
Tesla Inc	COM	88160R101	327,110	810	SH		SOLE	NONE	810	0	0
Textron Inc	COM	883203101	8,953	117	SH		SOLE	NONE	117	0	0
Thermo Fisher Scientific Inc	COM	883556102	173,767	334	SH		SOLE	NONE	334	0	0
Tradeweb Markets Inc	CL A	892672106	818,381	6,251	SH		SOLE	NONE	6,251	0	0
Trane Technologies PLC	SHS	G8994E103	289,201	783	SH		SOLE	NONE	783	0	0
Trimble Inc	COM	896239100	14,132	200	SH		SOLE	NONE	200	0	0
Truist Financial Corp	COM	89832Q109	24,554	566	SH		SOLE	NONE	566	0	0
Trump Media & Technology Group	COM	25400Q105	341	10	SH		SOLE	NONE	10	0	0
Tyler Technologies Inc	COM	902252105	36,328	63	SH		SOLE	NONE	63	0	0
Tyson Foods Inc	CL A	902494103	967,749	16,848	SH		SOLE	NONE	16,848	0	0
US Bancorp	COM NEW	902973304	42,234	883	SH		SOLE	NONE	883	0	0
UTD PARCEL SERV	CL B	911312106	27,742	220	SH		DFND	NONE	220	0	0
UTD PARCEL SERV	CL B	911312106	681,823	5,407	SH		SOLE	NONE	5,407	0	0
Uber Technologies Inc	COM	90353T100	23,344	387	SH		DFND	NONE	387	0	0
Uber Technologies Inc	COM	90353T100	548,610	9,095	SH		SOLE	NONE	9,095	0	0
UiPath Inc	CL A	90364P105	26,119	2,055	SH		SOLE	NONE	2,055	0	0
Ulta Beauty Inc	COM	90384S303	3,045	7	SH		SOLE	NONE	7	0	0
Unilever PLC	SPON ADR NEW	904767704	26,592	469	SH		SOLE	NONE	469	0	0
Union Pacific Corp	COM	907818108	68,023	298	SH		SOLE	NONE	298	0	0
United Rentals Inc	COM	911363109	69,777	99	SH		SOLE	NONE	99	0	0
UnitedHealth Group Inc	COM	91324P102	406,556	804	SH		SOLE	NONE	804	0	0
VANECK VECTORS ETF	MRNGSTR WDE MOAT	92189F643	8,716	94	SH		SOLE	NONE	94	0	0
VANGUARD	S&P 500 ETF SHS	922908363	232,766	432	SH		DFND	NONE	432	0	0
VANGUARD	S&P 500 ETF SHS	922908363	13,509,583	25,073	SH		SOLE	NONE	25,073	0	0
VANGUARD ETF/USA	DIV APP ETF	921908844	43,083	220	SH		SOLE	NONE	220	0	0
VANGUARD ETF/USA	LONG TERM BOND	921937793	3,969	58	SH		SOLE	NONE	58	0	0
VANGUARD ETF/USA	INTERMED TERM	921937819	22,793	305	SH		DFND	NONE	305	0	0
VANGUARD ETF/USA	INTERMED TERM	921937819	6,128	82	SH		SOLE	NONE	82	0	0
VANGUARD ETF/USA	TT WRLD ST ETF	922042742	2,525,820	21,500	SH		SOLE	NONE	21,500	0	0
VANGUARD ETF/USA	FTSE EMR MKT ETF	922042858	382,664	8,689	SH		DFND	NONE	8,689	0	0
VANGUARD ETF/USA	FTSE EMR MKT ETF	922042858	13,320,838	302,471	SH		SOLE	NONE	302,471	0	0
VANGUARD ETF/USA	CONSUM DIS ETF	92204A108	38,664	103	SH		DFND	NONE	103	0	0
VANGUARD ETF/USA	CONSUM DIS ETF	92204A108	24,775	66	SH		SOLE	NONE	66	0	0
VANGUARD ETF/USA	SHRT TRM CORP BD	92206C409	14,510	186	SH		DFND	NONE	186	0	0
VANGUARD ETF/USA	SHRT TRM CORP BD	92206C409	69,039	885	SH		SOLE	NONE	885	0	0
VANGUARD ETF/USA	VNG RUS1000GRW	92206C680	6,405	62	SH		SOLE	NONE	62	0	0
VANGUARD ETF/USA	VNG RUS1000VAL	92206C714	13,163	162	SH		SOLE	NONE	162	0	0
VANGUARD ETF/USA	INT-TERM CORP	92206C870	4,575	57	SH		SOLE	NONE	57	0	0
VANGUARD ETF/USA	SM CP VAL ETF	922908611	5,001,667	25,238	SH		SOLE	NONE	25,238	0	0
VANGUARD ETF/USA	TOTAL STK MKT	922908769	22,605	78	SH		SOLE	NONE	78	0	0
VANGUARD GROUP	SHORT TRM BOND	921937827	8,654	112	SH		SOLE	NONE	112	0	0
VANGUARD GROUP INC/THE	TOTAL INT BD ETF	92203J407	9,270	189	SH		SOLE	NONE	189	0	0
VANGUARD GROUP INC/THE	LG-TERM COR BD	92206C813	687,228	9,190	SH		DFND	NONE	9,190	0	0
VANGUARD WHITEHALL	HIGH DIV YLD	921946406	3,322,826	26,043	SH		DFND	NONE	26,043	0	0
VERIZON COMMUN	COM	92343V104	142,844	3,572	SH		DFND	NONE	3,572	0	0
VERIZON COMMUN	COM	92343V104	3,023,924	75,617	SH		SOLE	NONE	75,617	0	0
VIATRIS INC	COM	92556V106	3,735	300	SH		DFND	NONE	300	0	0
VIATRIS INC	COM	92556V106	3,785	304	SH		SOLE	NONE	304	0	0
VISA INC	COM CL A	92826C839	262,629	831	SH		DFND	NONE	831	0	0
VISA INC	COM CL A	92826C839	1,894,706	5,995	SH		SOLE	NONE	5,995	0	0
Valero Energy Corp	COM	91913Y100	620,274	5,060	SH		SOLE	NONE	5,060	0	0
Valley National Bancorp	COM	919794107	1,812	200	SH		DFND	NONE	200	0	0
Van Eck Associates Corp	SEMICONDUCTR ETF	92189F676	969	4	SH		SOLE	NONE	4	0	0
Van Eck Associates Corp	JP MRGAN EM LOC	92189H300	6,702	290	SH		SOLE	NONE	290	0	0
VanEck ETFs/USA	IG FLOATING RATE	92189F486	9,213	362	SH		SOLE	NONE	362	0	0
Vanguard ETF/USA	ESG INTL STK ETF	921910725	64,638	1,140	SH		SOLE	NONE	1,140	0	0
Vanguard ETF/USA	MEGA GRWTH IND	921910816	30,907	90	SH		SOLE	NONE	90	0	0
Vanguard ETF/USA	TOTAL BND MRKT	921937835	23,011	320	SH		DFND	NONE	320	0	0
Vanguard ETF/USA	TOTAL BND MRKT	921937835	285,035	3,964	SH		SOLE	NONE	3,964	0	0
Vanguard ETF/USA	VAN FTSE DEV MKT	921943858	2,511,459	52,519	SH		SOLE	NONE	52,519	0	0
Vanguard ETF/USA	ALLWRLD EX US	922042775	59,993	1,045	SH		SOLE	NONE	1,045	0	0
Vanguard ETF/USA	INTER TERM TREAS	92206C706	1,739,188	29,986	SH		DFND	NONE	29,986	0	0
Vanguard ETF/USA	INTER TERM TREAS	92206C706	86,141,313	1,485,195	SH		SOLE	NONE	1,485,195	0	0
Vanguard ETF/USA	MTG-BKD SECS ETF	92206C771	8,705	192	SH		DFND	NONE	192	0	0
Vanguard ETF/USA	MTG-BKD SECS ETF	92206C771	14,872	328	SH		SOLE	NONE	328	0	0
Vanguard ETF/USA	MCAP VL IDXVIP	922908512	6,402,048	39,575	SH		SOLE	NONE	39,575	0	0
Vanguard ETF/USA	REAL ESTATE ETF	922908553	61,911	695	SH		DFND	NONE	695	0	0
Vanguard ETF/USA	REAL ESTATE ETF	922908553	1,891,592	21,235	SH		SOLE	NONE	21,235	0	0
Vanguard ETF/USA	MID CAP ETF	922908629	2,254,243	8,535	SH		SOLE	NONE	8,535	0	0
Vanguard ETF/USA	GROWTH ETF	922908736	147,758	360	SH		SOLE	NONE	360	0	0
Vanguard ETF/USA	VALUE ETF	922908744	319,866	1,889	SH		SOLE	NONE	1,889	0	0
Vanguard ETF/USA	SMALL CP ETF	922908751	814,069	3,388	SH		SOLE	NONE	3,388	0	0
Vanguard Group Inc/The	FTSE SMCAP ETF	922042718	2,290	20	SH		SOLE	NONE	20	0	0
Vanguard Group Inc/The	VNG RUS3000IDX	92206C599	4,156	16	SH		SOLE	NONE	16	0	0
Vanguard Group Inc/The	VNG RUS2000IDX	92206C664	4,199	47	SH		SOLE	NONE	47	0	0
Vanguard Group Inc/The	MCAP GR IDXVIP	922908538	111,650	440	SH		SOLE	NONE	440	0	0
Vanguard Group Inc/The	SML CP GRW ETF	922908595	56,012	200	SH		SOLE	NONE	200	0	0
Vanguard Group Inc/The	EXTEND MKT ETF	922908652	33,057	174	SH		SOLE	NONE	174	0	0
Veralto Corp	COM SHS	92338C103	32,083	315	SH		SOLE	NONE	315	0	0
Vertex Pharmaceuticals Inc	COM	92532F100	86,581	215	SH		DFND	NONE	215	0	0
Vertex Pharmaceuticals Inc	COM	92532F100	2,149,613	5,338	SH		SOLE	NONE	5,338	0	0
Vicor Corp	COM	925815102	2,416	50	SH		SOLE	NONE	50	0	0
Virtu Financial Inc	CL A	928254101	1,098,123	30,777	SH		SOLE	NONE	30,777	0	0
Vodafone Group PLC	SPONSORED ADR	92857W308	3,116	367	SH		SOLE	NONE	367	0	0
Vontier Corp	COM	928881101	1,240	34	SH		SOLE	NONE	34	0	0
WASTE MANAGEMENT	COM	94106L109	217,328	1,077	SH		SOLE	NONE	1,077	0	0
WD-40 Co	COM	929236107	85,181	351	SH		SOLE	NONE	351	0	0
WELLS FARGO & CO	COM	949746101	67,922	967	SH		DFND	NONE	967	0	0
WELLS FARGO & CO	COM	949746101	165,415	2,355	SH		SOLE	NONE	2,355	0	0
WESTN DIGITAL CORP	COM	958102105	1,371	23	SH		DFND	NONE	23	0	0
WEX Inc	COM	96208T104	66,622	380	SH		SOLE	NONE	380	0	0
WISDOMTREE ETFS/USA	EMER MKT HIGH FD	97717W315	22,715	561	SH		SOLE	NONE	561	0	0
WORLD GOLD TRUST SERVICES LLC	SPDR GLD MINIS	98149E303	262,809	5,055	SH		DFND	NONE	5,055	0	0
WORLD GOLD TRUST SERVICES LLC	SPDR GLD MINIS	98149E303	18,940,165	364,304	SH		SOLE	NONE	364,304	0	0
WP Carey Inc	COM	92936U109	46,308	850	SH		DFND	NONE	850	0	0
WW Grainger Inc	COM	384802104	7,378	7	SH		SOLE	NONE	7	0	0
Walgreens Boots Alliance Inc	COM	931427108	541	58	SH		SOLE	NONE	58	0	0
Walmart Inc	COM	931142103	253,793	2,809	SH		DFND	NONE	2,809	0	0
Walmart Inc	COM	931142103	2,391,567	26,470	SH		SOLE	NONE	26,470	0	0
Walt Disney Co/The	COM	254687106	87,298	784	SH		DFND	NONE	784	0	0
Walt Disney Co/The	COM	254687106	1,652,964	14,845	SH		SOLE	NONE	14,845	0	0
Warner Bros Discovery Inc	COM SER A	934423104	507	48	SH		DFND	NONE	48	0	0
Warner Bros Discovery Inc	COM SER A	934423104	8,963	848	SH		SOLE	NONE	848	0	0
Waters Corp	COM	941848103	25,969	70	SH		SOLE	NONE	70	0	0
Webster Financial Corp	COM	947890109	22,088	400	SH		SOLE	NONE	400	0	0
Wendy's Co/The	COM	95058W100	8,150	500	SH		DFND	NONE	500	0	0
Weyerhaeuser Co	COM NEW	962166104	31,387	1,115	SH		SOLE	NONE	1,115	0	0
Whirlpool Corp	COM	963320106	10,876	95	SH		DFND	NONE	95	0	0
Williams Cos Inc/The	COM	969457100	10,012	185	SH		SOLE	NONE	185	0	0
WisdomTree Asset Management Inc	US QTLY DIV GRT	97717X669	14,567	180	SH		SOLE	NONE	180	0	0
Wolfspeed Inc	COM	977852102	1,665	250	SH		SOLE	NONE	250	0	0
Woodside Energy Group Ltd	SPONSORED ADR	980228308	2,512	161	SH		DFND	NONE	161	0	0
Xcel Energy Inc	COM	98389B100	21,606	320	SH		SOLE	NONE	320	0	0
Xerox Holdings Corp	COM NEW	98421M106	759	90	SH		SOLE	NONE	90	0	0
Xylem Inc/NY	COM	98419M100	22,740	196	SH		SOLE	NONE	196	0	0
YUM BRANDS INC	COM	988498101	402	3	SH		SOLE	NONE	3	0	0
ZIMMER HLDGS INC	COM	98956P102	30,527	289	SH		SOLE	NONE	289	0	0
iShares ETFs/USA	MSCI EURZONE ETF	464286608	73,621	1,560	SH		SOLE	NONE	1,560	0	0
iShares ETFs/USA	ESG AWR MSCI EM	46434G863	125,880	3,770	SH		SOLE	NONE	3,770	0	0
iShares ETFs/USA	ESG AWRE USD ETF	46435G193	8,406	370	SH		SOLE	NONE	370	0	0
iShares ETFs/USA	INVESTMENT GRADE	46435G219	9,360	211	SH		SOLE	NONE	211	0	0
iShares ETFs/USA	ESG AWRE 1 5 YR	46435G243	41,496	1,680	SH		SOLE	NONE	1,680	0	0
iShares ETFs/USA	ESG AWR MSCI USA	46435G425	803,837	6,240	SH		SOLE	NONE	6,240	0	0
iShares ETFs/USA	ESG AWR US AGRGT	46435U549	364,229	7,843	SH		SOLE	NONE	7,843	0	0
iShares ETFs/USA	0-3 MNTH TREASRY	46436E718	7,022	70	SH		DFND	NONE	70	0	0
iShares ETFs/USA	0-3 MNTH TREASRY	46436E718	17,726,238	176,697	SH		SOLE	NONE	176,697	0	0