SNS Financial 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
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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	2,634,795	19,274	SH		SOLE	5	19,083	0	191
3M CO	COM	88579Y101	22,009	161	SH		DFND	2,3	0	161	0
ABBOTT LABS	COM	002824100	1,401,528	12,293	SH		SOLE	5	12,293	0	0
ABBOTT LABS	COM	002824100	35,914	315	SH		DFND	2	0	315	0
ABBVIE INC	COM	00287Y109	102,295	518	SH		DFND	2,3	0	518	0
ABBVIE INC	COM	00287Y109	1,354,706	6,860	SH		SOLE	5	6,679	0	181
ACACIA RESH CORP	ACACIA TCH COM	003881307	102,520	22,000	SH		SOLE	5	22,000	0	0
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	68,576	194	SH		DFND	2,3	0	194	0
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	472,603	1,337	SH		SOLE	5	1,242	0	95
ADOBE INC	COM	00724F101	237,144	458	SH		SOLE	5	402	0	56
ADOBE INC	COM	00724F101	53,332	103	SH		DFND	2,3	0	103	0
ADVANCED MICRO DEVICES INC	COM	007903107	99,761	608	SH		DFND	2	0	608	0
ADVANCED MICRO DEVICES INC	COM	007903107	246,120	1,500	SH		SOLE	5	1,500	0	0
ALPHABET INC	CAP STK CL A	02079K305	203,664	1,228	SH		DFND	2	0	1,228	0
ALPHABET INC	CAP STK CL A	02079K305	1,749,256	10,547	SH		SOLE	5	10,349	0	198
ALPHABET INC	CAP STK CL C	02079K107	2,097,514	12,546	SH		SOLE	5	12,546	0	0
ALPHABET INC	CAP STK CL C	02079K107	180,399	1,079	SH		DFND	2,3	0	1,079	0
AMAZON COM INC	COM	023135106	387,381	2,079	SH		DFND	2	0	2,079	0
AMAZON COM INC	COM	023135106	2,981,280	16,000	SH		SOLE	5	15,500	0	500
AMERICAN CENTY ETF TR	US SML CP VALU	025072877	21,035,868	219,238	SH		SOLE	5	201,326	0	17,912
AMGEN INC	COM	031162100	54,776	170	SH		DFND	2	0	170	0
AMGEN INC	COM	031162100	1,777,633	5,517	SH		SOLE	5	4,554	175	788
APPLE INC	COM	037833100	707,621	3,037	SH		DFND	2	0	3,037	0
APPLE INC	COM	037833100	34,086,053	146,292	SH		SOLE	5	143,687	246	2,359
ARCHER DANIELS MIDLAND CO	COM	039483102	916,651	15,344	SH		SOLE	5	11,237	879	3,228
AUTOMATIC DATA PROCESSING IN	COM	053015103	36,701	132	SH		DFND	2	0	132	0
AUTOMATIC DATA PROCESSING IN	COM	053015103	346,272	1,245	SH		SOLE	5	1,245	0	0
BANK AMERICA CORP	COM	060505104	86,027	2,168	SH		DFND	2	0	2,168	0
BANK AMERICA CORP	COM	060505104	211,064	5,319	SH		SOLE	5	4,319	0	1,000
BANK NEW YORK MELLON CORP	COM	064058100	1,684,902	23,447	SH		SOLE	5	16,562	3,101	3,784
BANK NEW YORK MELLON CORP	COM	064058100	18,109	252	SH		DFND	2	0	252	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	224,607	488	SH		DFND	2	0	488	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	4,549,210	9,884	SH		SOLE	5	8,629	130	1,125
BOOKING HOLDINGS INC	COM	09857L108	185,334	44	SH		SOLE	5	36	0	8
BOOKING HOLDINGS INC	COM	09857L108	46,334	11	SH		DFND	2	0	11	0
BOSTON SCIENTIFIC CORP	COM	101137107	22,291	266	SH		DFND	2,3	0	266	0
BOSTON SCIENTIFIC CORP	COM	101137107	370,229	4,418	SH		SOLE	5	4,418	0	0
BRISTOL-MYERS SQUIBB CO	COM	110122108	23,180	448	SH		DFND	2,3	0	448	0
BRISTOL-MYERS SQUIBB CO	COM	110122108	187,765	3,629	SH		SOLE	5	3,629	0	0
BROADCOM INC	COM	11135F101	72,450	420	SH		SOLE	5	420	0	0
BROADCOM INC	COM	11135F101	188,888	1,095	SH		DFND	2	0	1,095	0
BROADRIDGE FINL SOLUTIONS IN	COM	11133T103	13,816	64	SH		DFND	2,3	0	64	0
BROADRIDGE FINL SOLUTIONS IN	COM	11133T103	1,429,541	6,621	SH		SOLE	5	5,294	268	1,059
CATERPILLAR INC	COM	149123101	1,401,655	3,584	SH		SOLE	5	3,584	0	0
CATERPILLAR INC	COM	149123101	55,540	142	SH		DFND	2	0	142	0
CHEMED CORP NEW	COM	16359R103	6,010	10	SH		DFND	2	0	10	0
CHEMED CORP NEW	COM	16359R103	267,432	445	SH		SOLE	5	445	0	0
CISCO SYS INC	COM	17275R102	1,912,647	35,938	SH		SOLE	5	28,288	3,045	4,605
CISCO SYS INC	COM	17275R102	59,128	1,111	SH		DFND	2,3	0	1,111	0
CME GROUP INC	COM	12572Q105	16,108	73	SH		DFND	2	0	73	0
CME GROUP INC	COM	12572Q105	348,407	1,579	SH		SOLE	5	1,579	0	0
COCA COLA CO	COM	191216100	450,203	6,223	SH		SOLE	5	5,782	0	441
COCA COLA CO	COM	191216100	68,042	941	SH		DFND	2	0	941	0
COMCAST CORP NEW	CL A	20030N101	109,354	2,618	SH		DFND	2	0	2,618	0
COMCAST CORP NEW	CL A	20030N101	270,211	6,469	SH		SOLE	5	6,469	0	0
COSTCO WHSL CORP NEW	COM	22160K105	1,118,789	1,262	SH		SOLE	5	1,257	0	5
COSTCO WHSL CORP NEW	COM	22160K105	159,574	180	SH		DFND	2,3	0	180	0
CSX CORP	COM	126408103	34,841	1,009	SH		DFND	2,3	0	1,009	0
CSX CORP	COM	126408103	229,142	6,636	SH		SOLE	5	6,636	0	0
CVS HEALTH CORP	COM	126650100	915,722	14,563	SH		SOLE	5	10,628	868	3,067
CVS HEALTH CORP	COM	126650100	13,960	222	SH		DFND	2	0	222	0
DANAHER CORPORATION	COM	235851102	39,239	141	SH		DFND	2,3	0	141	0
DANAHER CORPORATION	COM	235851102	219,015	787	SH		SOLE	5	704	0	83
DIMENSIONAL ETF TRUST	CORE FIXED INCOM	25434V872	3,529,919	81,730	SH		SOLE	5	73,497	0	8,233
DIMENSIONAL ETF TRUST	INTL CORE EQUITY	25434V799	1,043,601	37,086	SH		SOLE	5	25,686	0	11,400
DIMENSIONAL ETF TRUST	US EQUITY MARKET	25434V401	5,889,470	94,686	SH		SOLE	4,5	90,936	0	3,750
DIMENSIONAL ETF TRUST	US SMALL CAP VAL	25434V815	2,421,373	78,616	SH		SOLE	5	74,901	0	3,715
DISNEY WALT CO	COM	254687106	34,148	355	SH		DFND	2,3	0	355	0
DISNEY WALT CO	COM	254687106	262,840	2,733	SH		SOLE	5	2,729	0	4
DOLBY LABORATORIES INC	COM CL A	25659T107	202,499	2,646	SH		SOLE	5	2,646	0	0
DOLBY LABORATORIES INC	COM CL A	25659T107	2,373	31	SH		DFND	2,3	0	31	0
DONALDSON INC	COM	257651109	335,630	4,554	SH		SOLE	5	186	0	4,368
ECOLAB INC	COM	278865100	22,774	89	SH		DFND	2,3	0	89	0
ECOLAB INC	COM	278865100	1,642,129	6,417	SH		SOLE	5	6,323	0	94
ELI LILLY & CO	COM	532457108	353,497	399	SH		SOLE	5	399	0	0
ELI LILLY & CO	COM	532457108	195,793	221	SH		DFND	2	0	221	0
EMERSON ELEC CO	COM	291011104	211,741	1,936	SH		SOLE	5	1,936	0	0
EMERSON ELEC CO	COM	291011104	20,125	184	SH		DFND	2,3	0	184	0
EQUIFAX INC	COM	294429105	426,979	1,453	SH		SOLE	5	1,453	0	0
EQUIFAX INC	COM	294429105	12,343	42	SH		DFND	2	0	42	0
EXXON MOBIL CORP	COM	30231G102	408,590	3,486	SH		SOLE	5	3,006	0	480
EXXON MOBIL CORP	COM	30231G102	153,207	1,307	SH		DFND	2	0	1,307	0
FAIR ISAAC CORP	COM	303250104	305,133	157	SH		SOLE	5	157	0	0
FAIR ISAAC CORP	COM	303250104	27,210	14	SH		DFND	2	0	14	0
FASTENAL CO	COM	311900104	434,948	6,090	SH		SOLE	5	5,540	0	550
FASTENAL CO	COM	311900104	18,855	264	SH		DFND	2	0	264	0
FIRST TR EXCHANGE-TRADED FD	DORSEY WRT 5 ETF	33738R605	809,196	13,887	SH		SOLE	5	13,887	0	0
FIRST TR EXCHNG TRADED FD VI	FT VEST US EQT	33740F839	418,664	9,928	SH		SOLE	5	9,928	0	0
FIRST TR EXCHNG TRADED FD VI	TCW OPPORTUNIS	33740F805	16,359,554	361,617	SH		SOLE	5	336,085	0	25,532
FIRST TR MORNINGSTAR DIVID L	SHS	336917109	3,848,158	91,732	SH		SOLE	5	91,032	0	700
FORD MTR CO	COM	345370860	143,929	13,630	SH		SOLE	5	13,630	0	0
FORD MTR CO	COM	345370860	16,231	1,537	SH		DFND	2	0	1,537	0
GE AEROSPACE	COM NEW	369604301	50,047	265	SH		DFND	2	0	265	0
GE AEROSPACE	COM NEW	369604301	330,317	1,749	SH		SOLE	5	1,749	0	0
GENERAL MLS INC	COM	370334104	204,864	2,774	SH		SOLE	5	2,774	0	0
GENERAL MLS INC	COM	370334104	19,497	264	SH		DFND	2,3	0	264	0
GLOBAL X FDS	ARTIFICIAL ETF	37954Y632	260,116	6,998	SH		SOLE	5	6,998	0	0
GRACO INC	COM	384109104	10,152	116	SH		DFND	2,3	0	116	0
GRACO INC	COM	384109104	312,849	3,575	SH		SOLE	5	3,575	0	0
GRAYSCALE BITCOIN TR BTC	SHS REP COM UT	389637109	271,589	5,378	SH		SOLE	5	5,378	0	0
HERSHEY CO	COM	427866108	1,194,866	6,230	SH		SOLE	5	4,839	280	1,111
HERSHEY CO	COM	427866108	9,973	52	SH		DFND	2,3	0	52	0
HOME DEPOT INC	COM	437076102	713,963	1,762	SH		SOLE	5	1,677	0	85
HOME DEPOT INC	COM	437076102	119,940	296	SH		DFND	2	0	296	0
HONEYWELL INTL INC	COM	438516106	29,973	145	SH		DFND	2	0	145	0
HONEYWELL INTL INC	COM	438516106	1,378,549	6,669	SH		SOLE	5	6,669	0	0
HORMEL FOODS CORP	COM	440452100	5,072	160	SH		DFND	2	0	160	0
HORMEL FOODS CORP	COM	440452100	204,979	6,466	SH		SOLE	5	6,466	0	0
INSULET CORP	COM	45784P101	2,328	10	SH		DFND	2	0	10	0
INSULET CORP	COM	45784P101	202,493	870	SH		SOLE	5	870	0	0
INTERNATIONAL BUSINESS MACHS	COM	459200101	64,777	293	SH		DFND	2	0	293	0
INTERNATIONAL BUSINESS MACHS	COM	459200101	690,348	3,123	SH		SOLE	5	3,088	0	35
INVESCO EXCH TRD SLF IDX FD	BULSHS 2024 CB	46138J841	13,769,628	651,971	SH		SOLE	4,5	603,639	0	48,332
INVESCO EXCH TRD SLF IDX FD	BULSHS 2025 CB	46138J825	32,729,053	1,584,942	SH		SOLE	5	1,494,857	0	90,085
INVESCO EXCH TRD SLF IDX FD	BULSHS 2026 CB	46138J791	29,676,472	1,517,202	SH		SOLE	5	1,437,561	0	79,641
INVESCO EXCH TRD SLF IDX FD	BULSHS 2027 CB	46138J783	24,626,573	1,248,812	SH		SOLE	5	1,177,578	0	71,234
INVESCO QQQ TR	UNIT SER 1	46090E103	2,578,420	5,276	SH		SOLE	5	5,186	0	90
ISHARES TR	3 7 YR TREAS BD	464288661	62,059,968	518,874	SH		SOLE	5	488,346	477	30,051
ISHARES TR	CORE HIGH DV ETF	46429B663	485,301	4,126	SH		SOLE	5	4,126	0	0
ISHARES TR	CORE S&P SCP ETF	464287804	344,448	2,945	SH		SOLE	5	2,945	0	0
ISHARES TR	CORE S&P500 ETF	464287200	4,518,755	7,834	SH		SOLE	5	7,222	0	612
ISHARES TR	ESG AW MSCI EAFE	46435G516	370,264	4,399	SH		SOLE	5	4,399	0	0
ISHARES TR	ESG AWARE MSCI	46435U663	665,942	15,924	SH		SOLE	5	15,924	0	0
ISHARES TR	ESG AWR MSCI USA	46435G425	1,345,079	10,660	SH		SOLE	5	10,660	0	0
ISHARES TR	ESG AWR US AGRGT	46435U549	475,988	9,796	SH		SOLE	5	9,796	0	0
ISHARES TR	ESG MSCI LEADR	46435U218	1,272,452	12,534	SH		SOLE	5	12,534	0	0
ISHARES TR	MSCI ACWI ETF	464288257	3,570,378	29,865	SH		SOLE	5	29,839	0	26
ISHARES TR	MSCI EAFE ETF	464287465	13,672,442	163,487	SH		SOLE	5	160,274	0	3,213
ISHARES TR	MSCI EMG MKT ETF	464287234	3,385,317	73,819	SH		SOLE	5	72,287	0	1,532
ISHARES TR	MSCI USA ESG SLC	464288802	477,869	3,970	SH		SOLE	5	3,970	0	0
ISHARES TR	MSCI USA QLT FCT	46432F339	128,435,807	716,318	SH		SOLE	5	670,794	0	45,524
ISHARES TR	NATIONAL MUN ETF	464288414	32,712,839	301,140	SH		SOLE	4,5	287,667	0	13,473
ISHARES TR	RUS 1000 ETF	464287622	990,643	3,151	SH		SOLE	5	3,151	0	0
ISHARES TR	RUS 1000 GRW ETF	464287614	1,235,376	3,291	SH		SOLE	5	3,291	0	0
ISHARES TR	RUS 1000 VAL ETF	464287598	211,817	1,116	SH		SOLE	5	1,116	0	0
ISHARES TR	RUS MDCP VAL ETF	464287473	248,366	1,878	SH		SOLE	5	1,878	0	0
ISHARES TR	RUSSELL 2000 ETF	464287655	2,204,731	9,981	SH		SOLE	5	9,625	0	356
ISHARES TR	S&P 100 ETF	464287101	44,656,786	161,356	SH		SOLE	4,5	150,921	0	10,435
ISHARES TR	S&P 500 GRWT ETF	464287309	426,950	4,459	SH		SOLE	5	4,459	0	0
ISHARES TR	S&P MC 400VL ETF	464287705	3,203,489	25,914	SH		SOLE	5	25,647	0	267
ISHARES TR	SELECT DIVID ETF	464287168	271,339	2,009	SH		SOLE	5	2,009	0	0
J P MORGAN EXCHANGE TRADED F	EQUITY PREMIUM	46641Q332	926,155	15,563	SH		SOLE	5	13,908	1,655	0
JOHNSON & JOHNSON	COM	478160104	1,033,993	6,380	SH		SOLE	5	6,280	0	100
JOHNSON & JOHNSON	COM	478160104	95,292	588	SH		DFND	2	0	588	0
JPMORGAN CHASE & CO.	COM	46625H100	311,652	1,478	SH		SOLE	5	1,428	0	50
JPMORGAN CHASE & CO.	COM	46625H100	194,413	922	SH		DFND	2	0	922	0
LAM RESEARCH CORP	COM	512807108	33,552	41	SH		DFND	2	0	41	0
LAM RESEARCH CORP	COM	512807108	241,423	295	SH		SOLE	5	295	0	0
LOCKHEED MARTIN CORP	COM	539830109	222,137	380	SH		SOLE	5	380	0	0
LOCKHEED MARTIN CORP	COM	539830109	43,258	74	SH		DFND	2	0	74	0
LOWES COS INC	COM	548661107	210,902	779	SH		SOLE	5	779	0	0
LOWES COS INC	COM	548661107	33,586	124	SH		DFND	2	0	124	0
MARKEL GROUP INC	COM	570535104	18,823	12	SH		DFND	2,3	0	12	0
MARKEL GROUP INC	COM	570535104	185,093	118	SH		SOLE	5	118	0	0
MASTERCARD INCORPORATED	CL A	57636Q104	128,882	261	SH		DFND	2,3	0	261	0
MASTERCARD INCORPORATED	CL A	57636Q104	222,641	451	SH		SOLE	5	381	0	70
MCDONALDS CORP	COM	580135101	41,718	137	SH		DFND	2,3	0	137	0
MCDONALDS CORP	COM	580135101	690,068	2,266	SH		SOLE	5	2,266	0	0
MEDTRONIC PLC	SHS	G5960L103	1,522,385	16,779	SH		SOLE	5	16,779	0	0
MEDTRONIC PLC	SHS	G5960L103	20,959	231	SH		DFND	2	0	231	0
MERCK & CO INC	COM	58933Y105	46,400	406	SH		DFND	2	0	406	0
MERCK & CO INC	COM	58933Y105	1,041,460	9,109	SH		SOLE	5	9,109	0	0
META PLATFORMS INC	CL A	30303M102	395,557	691	SH		DFND	2	0	691	0
META PLATFORMS INC	CL A	30303M102	2,316,696	4,047	SH		SOLE	5	4,018	0	29
MGP INGREDIENTS INC NEW	COM	55303J106	291,375	3,500	SH		SOLE	5	3,500	0	0
MICROSOFT CORP	COM	594918104	686,759	1,596	SH		DFND	2,3	0	1,596	0
MICROSOFT CORP	COM	594918104	8,243,125	19,157	SH		SOLE	5	18,279	118	760
MONDELEZ INTL INC	CL A	609207105	20,241	273	SH		DFND	2	0	273	0
MONDELEZ INTL INC	CL A	609207105	343,120	4,628	SH		SOLE	5	4,628	0	0
MOTOROLA SOLUTIONS INC	COM NEW	620076307	23,428	52	SH		DFND	2	0	52	0
MOTOROLA SOLUTIONS INC	COM NEW	620076307	1,788,715	3,970	SH		SOLE	5	3,238	139	593
NETFLIX INC	COM	64110L106	798,639	1,126	SH		SOLE	5	1,121	0	5
NETFLIX INC	COM	64110L106	127,669	180	SH		DFND	2	0	180	0
NEXTERA ENERGY INC	COM	65339F101	37,532	444	SH		DFND	2,3	0	444	0
NEXTERA ENERGY INC	COM	65339F101	185,797	2,198	SH		SOLE	5	2,198	0	0
NIKE INC	CL B	654106103	19,156	216	SH		DFND	2,3	0	216	0
NIKE INC	CL B	654106103	204,438	2,303	SH		SOLE	5	2,303	0	0
NUCOR CORP	COM	670346105	13,580	90	SH		DFND	2	0	90	0
NUCOR CORP	COM	670346105	353,965	2,346	SH		SOLE	5	2,346	0	0
NVIDIA CORPORATION	COM	67066G104	690,440	5,685	SH		DFND	2	0	5,685	0
NVIDIA CORPORATION	COM	67066G104	952,777	7,845	SH		SOLE	5	6,433	0	1,412
ORACLE CORP	COM	68389X105	109,397	642	SH		DFND	2	0	642	0
ORACLE CORP	COM	68389X105	850,808	4,993	SH		SOLE	5	4,993	0	0
OTTER TAIL CORP	COM	689648103	582,996	7,459	SH		SOLE	5	7,459	0	0
PACCAR INC	COM	693718108	1,418,245	14,372	SH		SOLE	5	11,796	491	2,085
PACCAR INC	COM	693718108	20,230	205	SH		DFND	2	0	205	0
PAYCHEX INC	COM	704326107	13,822	103	SH		DFND	2	0	103	0
PAYCHEX INC	COM	704326107	192,295	1,433	SH		SOLE	5	1,433	0	0
PEPSICO INC	COM	713448108	51,526	303	SH		DFND	2	0	303	0
PEPSICO INC	COM	713448108	522,394	3,072	SH		SOLE	5	3,072	0	0
PFIZER INC	COM	717081103	30,908	1,068	SH		DFND	2	0	1,068	0
PFIZER INC	COM	717081103	377,830	13,056	SH		SOLE	5	11,892	0	1,164
PHILIP MORRIS INTL INC	COM	718172109	36,448	297	SH		DFND	2	0	297	0
PHILIP MORRIS INTL INC	COM	718172109	255,320	2,080	SH		SOLE	5	2,080	0	0
POLARIS INC	COM	731068102	754,155	9,060	SH		SOLE	5	9,060	0	0
PROCTER AND GAMBLE CO	COM	742718109	1,530,569	8,837	SH		SOLE	5	8,837	0	0
PROCTER AND GAMBLE CO	COM	742718109	95,780	553	SH		DFND	2	0	553	0
PUBLIC SVC ENTERPRISE GRP IN	COM	744573106	241,046	2,702	SH		SOLE	5	2,074	0	628
PUBLIC SVC ENTERPRISE GRP IN	COM	744573106	12,222	137	SH		DFND	2	0	137	0
QUALCOMM INC	COM	747525103	1,363,461	8,018	SH		SOLE	5	6,434	262	1,322
QUALCOMM INC	COM	747525103	47,785	281	SH		DFND	2	0	281	0
RTX CORPORATION	COM	75513E101	36,470	301	SH		DFND	2	0	301	0
RTX CORPORATION	COM	75513E101	242,160	1,999	SH		SOLE	5	1,999	0	0
SCHWAB CHARLES CORP	COM	808513105	22,230	343	SH		DFND	2,3	0	343	0
SCHWAB CHARLES CORP	COM	808513105	196,893	3,038	SH		SOLE	5	1,755	0	1,283
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	4,586,387	157,176	SH		SOLE	4,5	147,439	0	9,737
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	69,057,490	1,679,414	SH		SOLE	4,5	1,579,152	0	100,262
SCHWAB STRATEGIC TR	US AGGREGATE B	808524839	6,243,422	131,385	SH		SOLE	5	128,314	0	3,071
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	50,073,015	752,751	SH		SOLE	5	720,715	0	32,036
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	2,993,055	35,408	SH		SOLE	5	34,608	0	800
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	21,541,218	317,483	SH		SOLE	5	305,255	0	12,228
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	754,212	14,645	SH		SOLE	4,5	13,389	0	1,256
SELECT SECTOR SPDR TR	ENERGY	81369Y506	1,701,507	19,379	SH		SOLE	5	14,318	1,522	3,539
SELECT SECTOR SPDR TR	FINANCIAL	81369Y605	292,073	6,445	SH		SOLE	5	5,741	0	704
SELECT SECTOR SPDR TR	SBI HEALTHCARE	81369Y209	330,476	2,146	SH		SOLE	5	1,346	0	800
SELECT SECTOR SPDR TR	SBI INT-UTILS	81369Y886	835,750	10,346	SH		SOLE	5	6,918	747	2,681
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	1,015,469	4,498	SH		SOLE	5	4,498	0	0
SERVICE CORP INTL	COM	817565104	11,051	140	SH		DFND	2,3	0	140	0
SERVICE CORP INTL	COM	817565104	1,386,958	17,572	SH		SOLE	5	13,855	722	2,995
SOLVENTUM CORP	COM SHS	83444M101	310,743	4,457	SH		SOLE	5	4,454	0	3
SOUTHERN CO	COM	842587107	367,514	4,075	SH		SOLE	5	3,842	0	233
SOUTHERN CO	COM	842587107	34,359	381	SH		DFND	2	0	381	0
SPDR DOW JONES INDL AVERAGE	UT SER 1	78467X109	2,363,954	5,571	SH		SOLE	5	5,315	0	256
SPDR GOLD TR	GOLD SHS	78463V107	831,995	3,423	SH		SOLE	5	3,373	0	50
SPDR INDEX SHS FDS	PORTFOLIO DEVLPD	78463X889	1,666,312	44,364	SH		SOLE	5	44,345	0	19
SPDR INDEX SHS FDS	S&P EMKTSC ETF	78463X756	360,495	5,779	SH		SOLE	5	5,107	0	672
SPDR S&P 500 ETF TR	TR UNIT	78462F103	40,178,124	69,813	SH		SOLE	5	66,836	0	2,977
SPDR S&P MIDCAP 400 ETF TR	UTSER1 S&PDCRP	78467Y107	328,503	575	SH		SOLE	5	553	0	22
SPDR SER TR	PORTFOLI S&P1500	78464A805	554,315	7,912	SH		SOLE	5	5,928	0	1,984
SPDR SER TR	PORTFOLIO SHORT	78464A474	806,145	26,623	SH		SOLE	5	24,851	0	1,772
SPDR SER TR	S&P KENSHO CLEAN	78468R655	271,779	4,131	SH		SOLE	5	4,131	0	0
SPDR SER TR	S&P KENSHO NEW	78468R648	220,802	4,476	SH		SOLE	5	4,476	0	0
STARBUCKS CORP	COM	855244109	21,253	218	SH		DFND	2,3	0	218	0
STARBUCKS CORP	COM	855244109	208,824	2,142	SH		SOLE	5	2,142	0	0
TAIWAN SEMICONDUCTOR MFG LTD	SPONSORED ADS	874039100	271,900	1,560	SH		SOLE	5	1,560	0	0
TAIWAN SEMICONDUCTOR MFG LTD	SPONSORED ADS	874039100	93,248	535	SH		DFND	2,3	0	535	0
TARGET CORP	COM	87612E106	1,372,824	8,808	SH		SOLE	5	8,671	0	137
TARGET CORP	COM	87612E106	38,654	248	SH		DFND	2	0	248	0
TESLA INC	COM	88160R101	81,106	310	SH		DFND	2	0	310	0
TESLA INC	COM	88160R101	2,135,686	8,163	SH		SOLE	5	7,818	0	345
TEXAS INSTRS INC	COM	882508104	283,001	1,370	SH		SOLE	5	1,265	0	105
TEXAS INSTRS INC	COM	882508104	47,718	231	SH		DFND	2,3	0	231	0
THE CIGNA GROUP	COM	125523100	33,952	98	SH		DFND	2	0	98	0
THE CIGNA GROUP	COM	125523100	1,204,919	3,478	SH		SOLE	5	2,666	156	656
THERMO FISHER SCIENTIFIC INC	COM	883556102	61,894	100	SH		DFND	2,3	0	100	0
THERMO FISHER SCIENTIFIC INC	COM	883556102	401,706	649	SH		SOLE	5	649	0	0
TJX COS INC NEW	COM	872540109	208,987	1,778	SH		SOLE	5	1,778	0	0
TJX COS INC NEW	COM	872540109	49,015	417	SH		DFND	2,3	0	417	0
TRACTOR SUPPLY CO	COM	892356106	1,546,339	5,315	SH		SOLE	5	4,325	186	804
TRACTOR SUPPLY CO	COM	892356106	15,711	54	SH		DFND	2	0	54	0
UNION PAC CORP	COM	907818108	40,916	166	SH		DFND	2	0	166	0
UNION PAC CORP	COM	907818108	2,285,790	9,274	SH		SOLE	5	8,112	236	926
UNITED PARCEL SERVICE INC	CL B	911312106	956,153	7,013	SH		SOLE	5	7,013	0	0
UNITED PARCEL SERVICE INC	CL B	911312106	10,362	76	SH		DFND	2	0	76	0
UNITEDHEALTH GROUP INC	COM	91324P102	118,691	203	SH		DFND	2,3	0	203	0
UNITEDHEALTH GROUP INC	COM	91324P102	1,999,606	3,420	SH		SOLE	5	3,420	0	0
US BANCORP DEL	COM NEW	902973304	1,438,447	31,116	SH		SOLE	5	24,822	1,346	4,948
US BANCORP DEL	COM NEW	902973304	19,510	422	SH		DFND	2	0	422	0
VANGUARD BD INDEX FDS	INTERMED TERM	921937819	5,837,547	74,487	SH		SOLE	5	68,245	0	6,242
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	4,505,370	57,255	SH		SOLE	5	54,275	0	2,980
VANGUARD BD INDEX FDS	TOTAL BND MRKT	921937835	24,169,852	321,793	SH		SOLE	4,5	300,655	0	21,138
VANGUARD INDEX FDS	GROWTH ETF	922908736	8,668,756	22,579	SH		SOLE	5	21,385	0	1,194
VANGUARD INDEX FDS	MCAP VL IDXVIP	922908512	1,176,038	7,014	SH		SOLE	5	6,789	0	225
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	1,070,792	2,023	SH		SOLE	5	2,023	0	0
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	4,353,915	21,685	SH		SOLE	5	20,415	0	1,270
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	9,368,060	32,983	SH		SOLE	4,5	31,462	0	1,521
VANGUARD INDEX FDS	VALUE ETF	922908744	252,080	1,444	SH		SOLE	5	1,444	0	0
VANGUARD INTL EQUITY INDEX F	ALLWRLD EX US	922042775	5,305,860	84,220	SH		SOLE	5	80,915	0	3,305
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	28,478,961	595,172	SH		SOLE	4,5	561,608	0	33,564
VANGUARD INTL EQUITY INDEX F	TT WRLD ST ETF	922042742	5,556,953	46,424	SH		SOLE	5	42,863	0	3,561
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	951,131	4,782	SH		SOLE	5	4,433	0	349
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	1,177,488	22,297	SH		SOLE	5	21,707	0	590
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	295,103	2,302	SH		SOLE	5	2,202	0	100
VANGUARD WORLD FD	HEALTH CAR ETF	92204A504	251,147	886	SH		SOLE	5	886	0	0
VANGUARD WORLD FD	INF TECH ETF	92204A702	202,420	345	SH		SOLE	5	345	0	0
VANGUARD WORLD FD	MEGA CAP INDEX	921910873	2,530,514	12,246	SH		SOLE	4,5	9,184	0	3,062
VANGUARD WORLD FD	UTILITIES ETF	92204A876	424,376	2,420	SH		SOLE	5	2,155	265	0
VERIZON COMMUNICATIONS INC	COM	92343V104	83,847	1,867	SH		DFND	2	0	1,867	0
VERIZON COMMUNICATIONS INC	COM	92343V104	1,098,950	24,470	SH		SOLE	5	19,220	1,318	3,932
VISA INC	COM CL A	92826C839	118,229	430	SH		DFND	2,3	0	430	0
VISA INC	COM CL A	92826C839	443,770	1,614	SH		SOLE	5	1,614	0	0
WALMART INC	COM	931142103	259,935	3,219	SH		SOLE	5	3,219	0	0
WALMART INC	COM	931142103	91,652	1,135	SH		DFND	2	0	1,135	0
WASTE MGMT INC DEL	COM	94106L109	226,607	1,092	SH		SOLE	5	911	0	181
WASTE MGMT INC DEL	COM	94106L109	43,756	211	SH		DFND	2	0	211	0
WELLS FARGO CO NEW	COM	949746101	386,053	6,834	SH		SOLE	5	6,834	0	0
WELLS FARGO CO NEW	COM	949746101	48,638	861	SH		DFND	2,3	0	861	0
WELLTOWER INC	COM	95040Q104	269,760	2,107	SH		SOLE	5	2,107	0	0
WISDOMTREE TR	US QTLY DIV GRT	97717X669	53,284,415	640,361	SH		SOLE	5	607,272	680	32,409
WISDOMTREE TR	YIELD ENHANCD US	97717X511	4,492,730	100,486	SH		SOLE	5	92,881	0	7,605
WORLD GOLD TR	SPDR GLD MINIS	98149E303	26,238,906	503,336	SH		SOLE	5	473,653	0	29,683
XCEL ENERGY INC	COM	98389B100	432,651	6,570	SH		SOLE	5	6,570	0	0
XCEL ENERGY INC	COM	98389B100	10,000	152	SH		DFND	2,3	0	152	0