Grove Bank & Trust 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	109,320	1,000	SH		DFND		1,000	0	0
3M Co	COM	88579Y101	71,495	654	SH		SOLE		654	0	0
5TH THIRD BANCORP	COM	316773100	8,898	258	SH		SOLE		258	0	0
ACADIA Pharmaceuticals Inc	COM	004225108	6,262	200	SH		SOLE		200	0	0
ADVANCED MICRO DEV	COM	007903107	848,492	5,756	SH		SOLE		3,196	0	2,560
AGILENT TECHS INC	COM	00846U101	325,886	2,344	SH		SOLE		2,344	0	0
AGNC INVESTMENT CORP	COM	00123Q104	5,101	520	SH		SOLE		520	0	0
ALBEMARLE CORP	COM	012653101	1,445	10	SH		SOLE		10	0	0
ALCON AG	ORD SHS	H01301128	14,374	184	SH		SOLE		184	0	0
ALPHABET INC	CAP STK CL A	02079K305	3,647,306	26,110	SH		SOLE		22,810	0	3,300
ALTRIA GROUP INC	COM	02209S103	564,760	14,000	SH		DFND		14,000	0	0
ALTRIA GROUP INC	COM	02209S103	224,774	5,572	SH		SOLE		5,572	0	0
AMBEV SA	SPONSORED ADR	02319V103	62,566	22,345	SH		SOLE		0	0	22,345
AMER EXPRESS CO	COM	025816109	698,216	3,727	SH		SOLE		3,727	0	0
AMER INTL GRP	COM NEW	026874784	206,502	3,048	SH		SOLE		3,048	0	0
AMETEK Inc	COM	031100100	4,782	29	SH		SOLE		29	0	0
ANALOG DEVICES INC	COM	032654105	280,962	1,415	SH		SOLE		1,415	0	0
ANSYS, INC.	COM	03662Q105	10,524	29	SH		SOLE		29	0	0
APA Corp	COM	03743Q108	71,760	2,000	SH		SOLE		2,000	0	0
APPLIED MATERIALS	COM	038222105	963,668	5,946	SH		SOLE		5,946	0	0
ARISTA NETWORKS INC	COM	040413106	12,482	53	SH		SOLE		53	0	0
ASE Technology Holding Co Ltd	SPONSORED ADS	00215W100	160,648	17,072	SH		SOLE		0	0	17,072
ASML HOLDING NV	N Y REGISTRY SHS	N07059210	139,273	184	SH		SOLE		49	0	135
AT&T INC	COM	00206R102	117,460	7,000	SH		DFND		7,000	0	0
AT&T INC	COM	00206R102	743,589	44,314	SH		SOLE		12,090	0	32,224
AUTOMATIC DATA PROCESSING	COM	053015103	972,883	4,176	SH		SOLE		4,176	0	0
AUTOZONE INC	COM	053332102	54,298	21	SH		SOLE		21	0	0
AVERY DENNISON CORP	COM	053611109	58,222	288	SH		SOLE		288	0	0
AbbVie Inc	COM	00287Y109	1,084,790	7,000	SH		DFND		7,000	0	0
AbbVie Inc	COM	00287Y109	1,506,618	9,722	SH		SOLE		5,822	0	3,900
Abbott Laboratories	COM	002824100	577,868	5,250	SH		DFND		5,250	0	0
Abbott Laboratories	COM	002824100	2,933,145	26,648	SH		SOLE		11,744	0	14,904
Accenture PLC	SHS CLASS A	G1151C101	3,237,496	9,226	SH		SOLE		3,778	0	5,448
Adobe Inc	COM	00724F101	4,141,001	6,941	SH		SOLE		1,936	0	5,005
Advance Auto Parts Inc	COM	00751Y106	9,765	160	SH		SOLE		160	0	0
Aflac Inc	COM	001055102	29,535	358	SH		SOLE		358	0	0
Air Products and Chemicals Inc	COM	009158106	300,359	1,097	SH		SOLE		1,097	0	0
Airbnb Inc	COM CL A	009066101	1,959,055	14,390	SH		SOLE		1,668	0	12,722
Alaska Air Group Inc	COM	011659109	1,172	30	SH		SOLE		30	0	0
Align Technology Inc	COM	016255101	515,668	1,882	SH		SOLE		382	0	1,501
Allegion plc	ORD SHS	G0176J109	5,954	47	SH		SOLE		47	0	0
Allstate Corp/The	COM	020002101	82,588	590	SH		SOLE		590	0	0
Ally Financial Inc	COM	02005N100	6,111	175	SH		SOLE		175	0	0
Alphabet Inc	CAP STK CL C	02079K107	98,651	700	SH		DFND		700	0	0
Alphabet Inc	CAP STK CL C	02079K107	5,859,447	41,577	SH		SOLE		18,492	0	23,085
Amazon.com Inc	COM	023135106	11,543,186	75,972	SH		SOLE		28,973	0	46,999
Amcor PLC	ORD	G0250X107	69,890	7,250	SH		DFND		7,250	0	0
Amcor PLC	ORD	G0250X107	382,621	39,691	SH		SOLE		4,746	0	34,945
American Century ETF Trust	AVANTIS EMGMKT	025072604	1,484,241	26,321	SH		SOLE		24,773	0	1,548
American Century ETF Trust	INTL EQT ETF	025072703	3,868	64	SH		DFND		64	0	0
American Century ETF Trust	INTL EQT ETF	025072703	1,221,532	20,214	SH		SOLE		16,960	0	3,254
American Electric Power Co Inc	COM	025537101	81,220	1,000	SH		DFND		1,000	0	0
American Electric Power Co Inc	COM	025537101	631,242	7,772	SH		SOLE		1,355	0	6,417
American Tower Corp	COM	03027X100	340,227	1,576	SH		SOLE		1,576	0	0
Ameriprise Financial Inc	COM	03076C106	622,162	1,638	SH		SOLE		1,638	0	0
Amgen Inc	COM	031162100	1,367,807	4,749	SH		SOLE		2,861	0	1,888
Amphenol Corp	CL A	032095101	104,384	1,053	SH		SOLE		1,053	0	0
Anheuser-Busch InBev SA/NV	SPONSORED ADR	03524A108	64,620	1,000	SH		SOLE		1,000	0	0
Aon PLC	SHS CL A	G0403H108	84,978	292	SH		SOLE		292	0	0
Apollo Global Management Inc	COM	03769M106	8,573	92	SH		SOLE		92	0	0
Apple Hospitality REIT Inc	COM NEW	03784Y200	224,617	13,523	SH		SOLE		13,523	0	0
Apple Inc	COM	037833100	13,092,040	68,000	SH		DFND		68,000	0	0
Apple Inc	COM	037833100	20,151,538	104,667	SH		SOLE		102,207	0	2,460
Archer Aviation Inc	COM CL A	03945R102	29,165	4,750	SH		SOLE		4,750	0	0
Archer-Daniels-Midland Co	COM	039483102	74,459	1,031	SH		SOLE		1,031	0	0
Ares Capital Corp	COM	04010L103	14,422	720	SH		SOLE		720	0	0
Arthur J Gallagher & Co	COM	363576109	228,028	1,014	SH		SOLE		484	0	530
AstraZeneca PLC	SPONSORED ADR	046353108	501,758	7,450	SH		DFND		7,450	0	0
AstraZeneca PLC	SPONSORED ADR	046353108	240,507	3,571	SH		SOLE		3,571	0	0
Atlassian Corp	CL A	049468101	84,678	356	SH		SOLE		356	0	0
Autodesk Inc	COM	052769106	1,633,994	6,711	SH		SOLE		887	0	5,824
BAKER HUGHES INC	CL A	05722G100	5,127	150	SH		SOLE		150	0	0
BARRICK GOLD CORP	COM	067901108	44,248	2,446	SH		SOLE		2,446	0	0
BAXTER INTL INC	COM	071813109	82,191	2,126	SH		SOLE		2,126	0	0
BCE Inc	COM NEW	05534B760	173,272	4,400	SH		DFND		4,400	0	0
BCE Inc	COM NEW	05534B760	749,323	19,028	SH		SOLE		2,949	0	16,079
BECTON DICKINSON	COM	075887109	1,707	7	SH		SOLE		7	0	0
BEST BUY CO INC	COM	086516101	59,884	765	SH		SOLE		765	0	0
BHP BILLITON LTD	SPONSORED ADS	088606108	86,685	1,269	SH		SOLE		0	0	1,269
BJ's Wholesale Club Holdings I	COM	05550J101	90,658	1,360	SH		SOLE		1,360	0	0
BK OF AMERICA CORP	COM	060505104	2,417,843	71,810	SH		SOLE		67,700	0	4,110
BK OF MONTREAL	COM	063671101	50,459	510	SH		SOLE		510	0	0
BK OF NY MELLON CP	COM	064058100	65,895	1,266	SH		SOLE		1,266	0	0
BLACKROCK FUND ADVISORS	HDG MSCI EAFE	46434V803	1,496,725	47,500	SH		SOLE		0	0	47,500
BOEING CO	COM	097023105	290,115	1,113	SH		SOLE		1,113	0	0
BP PLC	SPONSORED ADR	055622104	226,808	6,407	SH		SOLE		6,407	0	0
BRISTOL-MYRS SQUIB	COM	110122108	102,620	2,000	SH		DFND		2,000	0	0
BRISTOL-MYRS SQUIB	COM	110122108	144,438	2,815	SH		SOLE		2,725	0	90
BRITISH AMERICAN TOBACCO PLC	SPONSORED ADR	110448107	80,548	2,750	SH		DFND		2,750	0	0
BRITISH AMERICAN TOBACCO PLC	SPONSORED ADR	110448107	423,416	14,456	SH		SOLE		1,820	0	12,636
BROADRIDGE FIN SOL	COM	11133T103	10,288	50	SH		SOLE		50	0	0
Baidu Inc	SPON ADR REP A	056752108	77,289	649	SH		SOLE		0	0	649
Banco Bradesco SA	SP ADR PFD NEW	059460303	50,208	14,345	SH		SOLE		0	0	14,345
Bancolombia SA	SPON ADR PREF	05968L102	69,786	2,268	SH		SOLE		0	0	2,268
Barclays PLC	ADR	06738E204	65,341	8,292	SH		SOLE		0	0	8,292
Berkshire Hathaway Inc	CL B NEW	084670702	1,208,364	3,388	SH		SOLE		3,388	0	0
Biogen Inc	COM	09062X103	18,373	71	SH		SOLE		71	0	0
Biomea Fusion Inc	COM	09077A106	56,091	3,863	SH		SOLE		3,863	0	0
Black Stone Minerals LP	COM UNIT	09225M101	15,960	1,000	SH		SOLE		1,000	0	0
BlackRock Fund Advisors	CORE S&P TTL STK	464287150	6,241,191	59,310	SH		SOLE		59,310	0	0
BlackRock Fund Advisors	MSCI EAFE ETF	464287465	133,746	1,775	SH		DFND		1,775	0	0
BlackRock Fund Advisors	MSCI EAFE ETF	464287465	5,626,987	74,678	SH		SOLE		67,757	0	6,921
BlackRock Fund Advisors	RUS MDCP VAL ETF	464287473	226,649	1,949	SH		SOLE		1,949	0	0
BlackRock Fund Advisors	RUS MD CP GR ETF	464287481	125,352	1,200	SH		SOLE		1,200	0	0
BlackRock Fund Advisors	RUS MID CAP ETF	464287499	1,989,888	25,600	SH		SOLE		25,600	0	0
BlackRock Fund Advisors	CORE S&P MCP ETF	464287507	64,576	233	SH		DFND		233	0	0
BlackRock Fund Advisors	CORE S&P MCP ETF	464287507	36,748,150	132,593	SH		SOLE		108,836	0	23,757
BlackRock Fund Advisors	S&P MC 400GR ETF	464287606	116,612	1,472	SH		SOLE		1,472	0	0
BlackRock Fund Advisors	RUSSELL 3000 ETF	464287689	140,976	515	SH		SOLE		515	0	0
BlackRock Fund Advisors	S&P MC 400VL ETF	464287705	148,822	1,305	SH		SOLE		1,305	0	0
BlackRock Fund Advisors	US INDUSTRIALS	464287754	11,436	100	SH		SOLE		100	0	0
BlackRock Fund Advisors	CORE S&P SCP ETF	464287804	325,400	3,006	SH		DFND		3,006	0	0
BlackRock Fund Advisors	CORE S&P SCP ETF	464287804	32,453,350	299,800	SH		SOLE		240,031	0	59,769
BlackRock Fund Advisors	SHRT NAT MUN ETF	464288158	9,574,731	90,816	SH		SOLE		87,732	0	3,084
BlackRock Fund Advisors	EAFE SML CP ETF	464288273	62,210	1,005	SH		SOLE		1,005	0	0
BlackRock Fund Advisors	INTL SEL DIV ETF	464288448	69,975	2,500	SH		SOLE		2,500	0	0
BlackRock Fund Advisors	ISHS 1-5YR INVS	464288646	477,216	9,307	SH		SOLE		9,307	0	0
BlackRock Fund Advisors	MSCI USA ESG SLC	464288802	233,987	2,328	SH		SOLE		2,328	0	0
BlackRock Fund Advisors	MSCI USA MIN VOL	46429B697	312,120	4,000	SH		SOLE		4,000	0	0
BlackRock Fund Advisors	GSCI CMDTY STGY	46431W853	97,272	3,880	SH		SOLE		3,880	0	0
BlackRock Fund Advisors	MRNGSTR INC ETF	46432F875	79,313	3,942	SH		DFND		3,942	0	0
BlackRock Fund Advisors	CORE MSCI EMKT	46434G103	28,021	554	SH		DFND		554	0	0
BlackRock Fund Advisors	CORE MSCI EMKT	46434G103	6,584,757	130,185	SH		SOLE		103,389	0	26,796
BlackRock Fund Advisors	MSCI EMRG CHN	46434G764	23,826	430	SH		SOLE		430	0	0
BlackRock Fund Advisors	MSCI ITALY ETF	46434G830	3,393	100	SH		SOLE		100	0	0
BlackRock Fund Advisors	IBONDS DEC25 ETF	46434VBD1	18,694	755	SH		SOLE		755	0	0
BlackRock Fund Advisors	IBONDS DEC2026	46435GAA0	20,315	850	SH		SOLE		850	0	0
BlackRock Inc	COM	09247X101	327,967	404	SH		SOLE		404	0	0
Blackstone Inc	COM	09260D107	130,920	1,000	SH		DFND		1,000	0	0
Blackstone Inc	COM	09260D107	61,532	470	SH		SOLE		470	0	0
Block Inc	CL A	852234103	2,939	38	SH		SOLE		38	0	0
Booking Holdings Inc	COM	09857L108	7,094	2	SH		SOLE		2	0	0
BorgWarner Inc	COM	099724106	39,614	1,105	SH		SOLE		1,105	0	0
Boston Scientific Corp	COM	101137107	143,427	2,481	SH		SOLE		2,481	0	0
Broadcom Inc	COM	11135F101	1,234,573	1,106	SH		SOLE		1,106	0	0
Burlington Stores Inc	COM	122017106	21,393	110	SH		SOLE		110	0	0
CACI International Inc	CL A	127190304	15,869	49	SH		SOLE		49	0	0
CARNIVAL CORP	COMMON STOCK	143658300	72,213	3,895	SH		SOLE		0	0	3,895
CARRIER GLOBAL CORP	COM	14448C104	43,088	750	SH		DFND		750	0	0
CARRIER GLOBAL CORP	COM	14448C104	172,407	3,001	SH		SOLE		3,001	0	0
CBRE Group Inc	CL A	12504L109	63,674	684	SH		SOLE		684	0	0
CDN NATL RAILWAYS	COM	136375102	80,152	638	SH		SOLE		0	0	638
CF Industries Holdings Inc	COM	125269100	14,310	180	SH		SOLE		180	0	0
CHUBB LIMITED COM	COM	H1467J104	67,800	300	SH		DFND		300	0	0
CHUBB LIMITED COM	COM	H1467J104	159,330	705	SH		SOLE		705	0	0
CIBC	COM	136069101	221,444	4,600	SH		DFND		4,600	0	0
CIBC	COM	136069101	454,490	9,441	SH		SOLE		1,367	0	8,074
CIENA CORP	COM NEW	171779309	900	20	SH		SOLE		20	0	0
CINTAS CORP	COM	172908105	6,027	10	SH		SOLE		10	0	0
CISCO SYSTEMS	COM	17275R102	827,467	16,379	SH		SOLE		14,835	0	1,544
CME Group Inc	COM	12572Q105	271,885	1,291	SH		SOLE		506	0	785
CMS Energy Corp	COM	125896100	18,060	311	SH		SOLE		311	0	0
CNX Resources Corp	COM	12653C108	5,060	253	SH		SOLE		253	0	0
COGNIZANT TECHNOLO	CL A	192446102	26,511	351	SH		SOLE		351	0	0
CONAGRA FOODS INC	COM	205887102	330,736	11,540	SH		SOLE		2,129	0	9,411
CONOCOPHILLIPS	COM	20825C104	1,538,160	13,252	SH		SOLE		13,252	0	0
CONSOL Energy Inc	COM	20854L108	2,513	25	SH		SOLE		25	0	0
CORNING INC	COM	219350105	43,452	1,427	SH		SOLE		1,427	0	0
CRH	None	G25508105	89,631	1,296	SH		SOLE		1,296	0	0
CRONOS GROUP INC	COM	22717L101	4,180	2,000	SH		DFND		2,000	0	0
CSX CORP	COM	126408103	890,014	25,671	SH		SOLE		21,921	0	3,750
CUMMINS INC	COM	231021106	6,229	26	SH		SOLE		26	0	0
CVS Health Corp	COM	126650100	286,467	3,628	SH		SOLE		3,628	0	0
Cadence Design Systems Inc	COM	127387108	231,787	851	SH		SOLE		851	0	0
Canadian Pacific Kansas City L	COM	13646K108	19,212	243	SH		SOLE		243	0	0
Capital One Financial Corp	COM	14040H105	114,992	877	SH		SOLE		877	0	0
CarMax Inc	COM	143130102	8,748	114	SH		SOLE		114	0	0
Cardinal Health Inc	COM	14149Y108	25,805	256	SH		SOLE		256	0	0
Caterpillar Inc	COM	149123101	450,897	1,525	SH		SOLE		1,525	0	0
Cboe Global Markets Inc	COM	12503M108	3,571	20	SH		SOLE		20	0	0
Celanese Corp	COM	150870103	455,856	2,934	SH		SOLE		2,934	0	0
Centene Corp	COM	15135B101	4,453	60	SH		SOLE		60	0	0
Charles Schwab Corp/The	COM	808513105	175,578	2,552	SH		SOLE		2,552	0	0
Charles Schwab Investment Management Inc	US LRG CAP ETF	808524201	206,311	3,658	SH		SOLE		3,658	0	0
Charles Schwab Investment Management Inc	US MID-CAP ETF	808524508	76,073	1,010	SH		SOLE		1,010	0	0
Charles Schwab Investment Management Inc	US SML CAP ETF	808524607	49,130	1,040	SH		SOLE		1,040	0	0
Charter Communications Inc	CL A	16119P108	36,536	94	SH		SOLE		94	0	0
Check Point Software Technolog	ORD	M22465104	112,759	738	SH		SOLE		0	0	738
Chevron Corp	COM	166764100	1,193,280	8,000	SH		DFND		8,000	0	0
Chevron Corp	COM	166764100	1,295,305	8,684	SH		SOLE		5,313	0	3,371
Chipotle Mexican Grill Inc	COM	169656105	36,591	16	SH		SOLE		16	0	0
Cigna Group/The	COM	125523100	530,925	1,773	SH		SOLE		1,773	0	0
Cincinnati Financial Corp	COM	172062101	5,897	57	SH		SOLE		57	0	0
Citigroup Inc	COM NEW	172967424	102,571	1,994	SH		SOLE		1,994	0	0
Citizens Financial Group Inc	COM	174610105	10,936	330	SH		SOLE		330	0	0
Clorox Co/The	COM	189054109	45,344	318	SH		SOLE		318	0	0
Coca-Cola Co/The	COM	191216100	179,737	3,050	SH		DFND		3,050	0	0
Coca-Cola Co/The	COM	191216100	1,113,954	18,903	SH		SOLE		13,787	0	5,116
Comcast Corp	CL A	20030N101	720,192	16,424	SH		SOLE		13,714	0	2,710
Comerica Inc	COM	200340107	5,581	100	SH		SOLE		100	0	0
Constellation Brands Inc	CL A	21036P108	75,184	311	SH		SOLE		260	0	51
Constellation Energy Corp	COM	21037T109	186,323	1,594	SH		SOLE		1,518	0	76
Copart Inc	COM	217204106	8,428	172	SH		SOLE		172	0	0
Corteva Inc	COM	22052L104	5,080	106	SH		SOLE		106	0	0
Costco Wholesale Corp	COM	22160K105	1,906,971	2,889	SH		SOLE		2,600	0	289
Crowdstrike Holdings Inc	CL A	22788C105	38,809	152	SH		SOLE		152	0	0
Crown Castle Inc	COM	22822V101	195,823	1,700	SH		DFND		1,700	0	0
Crown Castle Inc	COM	22822V101	560,745	4,868	SH		SOLE		1,225	0	3,643
DEERE & CO	COM	244199105	655,387	1,639	SH		SOLE		1,156	0	483
DIAGEO	SPON ADR NEW	25243Q205	174,792	1,200	SH		DFND		1,200	0	0
DIAGEO	SPON ADR NEW	25243Q205	113,323	778	SH		SOLE		240	0	538
DISCOVER FINL SVCS	COM	254709108	22,368	199	SH		SOLE		199	0	0
DOMINION RES(VIR)	COM	25746U109	47,000	1,000	SH		DFND		1,000	0	0
DOMINION RES(VIR)	COM	25746U109	709,042	15,086	SH		SOLE		3,136	0	11,950
DR HORTON INC	COM	23331A109	21,581	142	SH		SOLE		142	0	0
DUKE ENERGY CORP	COM NEW	26441C204	106,744	1,100	SH		DFND		1,100	0	0
DUKE ENERGY CORP	COM NEW	26441C204	1,481,122	15,263	SH		SOLE		6,711	0	8,552
Danaher Corp	COM	235851102	527,224	2,279	SH		SOLE		2,279	0	0
Danaher Corp	None	92338C103	20,812	253	SH		SOLE		253	0	0
Darden Restaurants Inc	COM	237194105	223,612	1,361	SH		SOLE		1,361	0	0
Darling Ingredients Inc	COM	237266101	12,410	249	SH		SOLE		249	0	0
Dell Technologies Inc	CL C	24703L202	6,120	80	SH		SOLE		80	0	0
Delta Air Lines Inc	COM NEW	247361702	48,316	1,201	SH		SOLE		1,201	0	0
Devon Energy Corp	COM	25179M103	39,547	873	SH		SOLE		873	0	0
Dexcom Inc	COM	252131107	13,029	105	SH		SOLE		105	0	0
Diamondback Energy Inc	COM	25278X109	5,273	34	SH		SOLE		34	0	0
Digital Realty Trust Inc	COM	253868103	18,303	136	SH		SOLE		136	0	0
DocuSign Inc	COM	256163106	25,028	421	SH		SOLE		421	0	0
Dolby Laboratories Inc	COM CL A	25659T107	34,472	400	SH		SOLE		400	0	0
Dollar General Corp	COM	256677105	26,102	192	SH		SOLE		192	0	0
Dollar Tree Inc	COM	256746108	12,927	91	SH		SOLE		91	0	0
Dover Corp	COM	260003108	31,377	204	SH		SOLE		204	0	0
Dow Inc	COM	260557103	12,010	219	SH		SOLE		219	0	0
DuPont de Nemours Inc	COM	26614N102	40,696	529	SH		SOLE		529	0	0
EBAY INC	COM	278642103	213,258	4,889	SH		SOLE		4,889	0	0
ECOLAB INC	COM	278865100	9,322	47	SH		SOLE		47	0	0
EDISON INTERNATIONAL	COM	281020107	13,226	185	SH		SOLE		185	0	0
ELECTRONIC ARTS	COM	285512109	54,724	400	SH		SOLE		285	0	115
EMERSON ELECTRIC	COM	291011104	167,992	1,726	SH		SOLE		1,726	0	0
ENBRIDGE INC	COM	29250N105	880,005	24,431	SH		SOLE		4,521	0	19,910
ENI	SPONSORED ADR	26874R108	34,010	1,000	SH		SOLE		1,000	0	0
EOG Resources Inc	COM	26875P101	76,803	635	SH		SOLE		635	0	0
EPAM Systems Inc	COM	29414B104	8,326	28	SH		SOLE		28	0	0
EQUINIX INC	COM	29444U700	206,985	257	SH		SOLE		104	0	153
ERICSSON(LM)TEL	ADR B SEK 10	294821608	46,652	7,405	SH		SOLE		0	0	7,405
ESTEE LAUDER COS	CL A	518439104	121,241	829	SH		SOLE		829	0	0
ETF Securities US LLC	PHYSICAL PALLADM	003262102	1,415	14	SH		SOLE		14	0	0
EXELON CORP	COM	30161N101	175,443	4,887	SH		SOLE		4,657	0	230
Eaton Corp PLC	SHS	G29183103	1,017,705	4,226	SH		SOLE		3,547	0	679
Edwards Lifesciences Corp	COM	28176E108	65,575	860	SH		SOLE		860	0	0
Elevance Health Inc	COM	036752103	323,962	687	SH		SOLE		687	0	0
Eli Lilly & Co	COM	532457108	874,380	1,500	SH		DFND		1,500	0	0
Eli Lilly & Co	COM	532457108	2,466,917	4,232	SH		SOLE		2,914	0	1,318
Energy Transfer LP	COM UT LTD PTN	29273V100	2,374	172	SH		SOLE		172	0	0
Entergy Corp	COM	29364G103	469,016	4,635	SH		SOLE		435	0	4,200
Equity Residential	SH BEN INT	29476L107	9,602	157	SH		SOLE		157	0	0
Everest Group Ltd	COM	G3223R108	154,161	436	SH		SOLE		0	0	436
Eversource Energy	COM	30040W108	3,827	62	SH		SOLE		62	0	0
Exact Sciences Corp	COM	30063P105	740	10	SH		SOLE		10	0	0
Exxon Mobil Corp	COM	30231G102	4,199,160	42,000	SH		DFND		42,000	0	0
Exxon Mobil Corp	COM	30231G102	1,853,929	18,543	SH		SOLE		18,543	0	0
FACEBOOK INC	CL A	30303M102	1,412,654	3,991	SH		SOLE		3,947	0	44
FEDEX CORP	COM	31428X106	86,769	343	SH		SOLE		343	0	0
FERRARI NV	COM	N3167Y103	28,767	85	SH		SOLE		85	0	0
FIRST SOLAR INC	COM	336433107	22,741	132	SH		SOLE		132	0	0
FISERV INC	COM	337738108	24,443	184	SH		SOLE		184	0	0
FMC Corp	COM NEW	302491303	4,666	74	SH		SOLE		74	0	0
FORD MOTOR CO	COM	345370860	2,316	190	SH		SOLE		190	0	0
FREEPORT-MCMOR C&G	CL B	35671D857	233,156	5,477	SH		SOLE		5,477	0	0
Fair Isaac Corp	COM	303250104	186,242	160	SH		SOLE		160	0	0
Fastenal Co	COM	311900104	48,707	752	SH		SOLE		752	0	0
Ferguson PLC	SHS	G3421J106	11,005	57	SH		SOLE		57	0	0
Fidelity National Financial In	FNF GROUP COM	31620R303	51,020	1,000	SH		SOLE		1,000	0	0
Fidelity National Information	COM	31620M106	10,452	174	SH		SOLE		174	0	0
Figs Inc	CL A	30260D103	6,950	1,000	SH		SOLE		1,000	0	0
First Trust Advisors LP	RISNG DIVD ACHIV	33738R506	41,853	810	SH		SOLE		810	0	0
First Trust Advisors LP	FST LOW OPPT EFT	33739Q200	65,425	1,354	SH		DFND		1,354	0	0
First Trust Advisors LP	FST LOW OPPT EFT	33739Q200	5,462,721	113,053	SH		SOLE		111,555	0	1,498
First Trust ETFs/USA	CAP STRENGTH ETF	33733E104	312,156	3,900	SH		SOLE		0	0	3,900
FlexShares ETFs/USA	HIG YLD VL ETF	33939L662	23,255	569	SH		SOLE		569	0	0
Fortinet Inc	COM	34959E109	25,343	433	SH		SOLE		433	0	0
Fortive Corp	COM	34959J108	3,682	50	SH		SOLE		50	0	0
Franklin Resources Inc	COM	354613101	25,560	858	SH		SOLE		858	0	0
GARTNER INC	COM	366651107	1,330,775	2,950	SH		SOLE		631	0	2,319
GE HealthCare Technologies Inc	COMMON STOCK	36266G107	4,021	52	SH		SOLE		52	0	0
GEN DYNAMICS CORP	COM	369550108	85,691	330	SH		SOLE		330	0	0
GENERAL MILLS INC	COM	370334104	227,990	3,500	SH		DFND		3,500	0	0
GENERAL MILLS INC	COM	370334104	73,217	1,124	SH		SOLE		1,124	0	0
GOLDMAN SACHS GRP	COM	38141G104	245,735	637	SH		SOLE		637	0	0
GSK PLC	SPONSORED ADR	37733W204	142,310	3,840	SH		DFND		3,840	0	0
GSK PLC	SPONSORED ADR	37733W204	92,057	2,484	SH		SOLE		2,484	0	0
Generac Holdings Inc	COM	368736104	775	6	SH		SOLE		6	0	0
General Electric Co	COM NEW	369604301	418,499	3,279	SH		SOLE		3,279	0	0
General Motors Co	COM	37045V100	15,086	420	SH		SOLE		420	0	0
Genesco Inc	COM	371532102	35,210	1,000	SH		SOLE		1,000	0	0
Genuine Parts Co	COM	372460105	61,217	442	SH		SOLE		442	0	0
Gilead Sciences Inc	COM	375558103	661,366	8,164	SH		SOLE		3,503	0	4,661
Global Payments Inc	COM	37940X102	1,397	11	SH		SOLE		11	0	0
Goldman Sachs Asset Management LP	UNIT	38150K103	3,004	147	SH		SOLE		147	0	0
GraniteShares ETF Trust	SHS BEN INT	38748T103	2,287	237	SH		SOLE		237	0	0
HALLIBURTON	COM	406216101	15,689	434	SH		SOLE		434	0	0
HARMONY GOLD MNG	SPONSORED ADR	413216300	1,538	250	SH		SOLE		250	0	0
HCA Healthcare Inc	COM	40412C101	197,055	728	SH		SOLE		728	0	0
HDFC BANK	SPONSORED ADS	40415F101	146,300	2,180	SH		SOLE		910	0	1,270
HERSHEY CO (THE)	COM	427866108	3,169	17	SH		SOLE		17	0	0
HONDA MOTOR CO	AMERN SHS	438128308	65,251	2,111	SH		SOLE		0	0	2,111
HSBC HLDGS	SPON ADR NEW	404280406	85,661	2,113	SH		SOLE		0	0	2,113
HUBSPOT INC	COM	443573100	15,675	27	SH		SOLE		27	0	0
HUMANA INC	COM	444859102	80,117	175	SH		SOLE		175	0	0
Haleon PLC	SPON ADS	405552100	24,772	3,010	SH		SOLE		3,010	0	0
Hartford Financial Services Gr	COM	416515104	44,048	548	SH		SOLE		548	0	0
Henry Schein Inc	COM	806407102	4,088	54	SH		SOLE		54	0	0
Hess Corp	COM	42809H107	118,211	820	SH		SOLE		820	0	0
Hewlett Packard Enterprise Co	COM	42824C109	9,067	534	SH		SOLE		534	0	0
Home Depot Inc/The	COM	437076102	13,862	40	SH		DFND		40	0	0
Home Depot Inc/The	COM	437076102	2,860,077	8,253	SH		SOLE		7,950	0	303
Honeywell International Inc	COM	438516106	230,681	1,100	SH		DFND		1,100	0	0
Honeywell International Inc	COM	438516106	758,102	3,615	SH		SOLE		3,615	0	0
Hubbell Inc	COM	443510607	131,572	400	SH		SOLE		400	0	0
Huntington Bancshares Inc/OH	COM	446150104	25,440	2,000	SH		DFND		2,000	0	0
Huntington Bancshares Inc/OH	COM	446150104	567,528	44,617	SH		SOLE		5,599	0	39,018
ICICI BANK	ADR	45104G104	145,209	6,091	SH		SOLE		0	0	6,091
ICON PLC	SHS	G4705A100	201,546	712	SH		SOLE		51	0	661
IDEXX Laboratories Inc	COM	45168D104	13,876	25	SH		SOLE		25	0	0
ILLINOIS TOOL WKS	COM	452308109	752,292	2,872	SH		SOLE		2,342	0	530
IMPERIAL OIL	COM NEW	453038408	2,860	50	SH		SOLE		50	0	0
INTERCONTINENTAL EXCHANGE	COM	45866F104	348,302	2,712	SH		SOLE		2,567	0	145
INTL BUSINESS MCHN	COM	459200101	1,225,480	7,493	SH		SOLE		7,493	0	0
ISHARES	SELECT DIVID ETF	464287168	14,770	126	SH		SOLE		126	0	0
ISHARES	CORE S&P500 ETF	464287200	31,524	66	SH		DFND		66	0	0
ISHARES	CORE S&P500 ETF	464287200	14,449,740	30,253	SH		SOLE		26,148	0	4,105
ISHARES	GLOB HLTHCRE ETF	464287325	18,385	212	SH		SOLE		212	0	0
ISHARES	RUS 2000 VAL ETF	464287630	56,074	361	SH		SOLE		361	0	0
ISHARES	RUSSELL 2000 ETF	464287655	1,644,618	8,194	SH		SOLE		8,194	0	0
ISHARES	U.S. ENERGY ETF	464287796	492,291	11,158	SH		SOLE		11,158	0	0
ISHARES	SP SMCP600VL ETF	464287879	92,763	900	SH		SOLE		900	0	0
ISHARES	ISHARES	46428Q109	2,897	133	SH		SOLE		133	0	0
ISHARES	CORE MSCI EAFE	46432F842	13,012,780	184,972	SH		SOLE		136,846	0	48,126
ISHARES GOLD TRUST	ISHARES NEW	464285204	502,238	12,868	SH		SOLE		12,868	0	0
ISHARES TR	MSCI EMG MKT ETF	464287234	1,939,972	48,246	SH		SOLE		48,246	0	0
ISHARES TRUST	1 3 YR TREAS BD	464287457	98,448	1,200	SH		SOLE		1,200	0	0
ISHARES TRUST	RUS 1000 VAL ETF	464287598	2,058,519	12,457	SH		SOLE		12,457	0	0
ISHARES TRUST	IBOXX HI YD ETF	464288513	18,883	244	SH		SOLE		244	0	0
ISHARES/USA	RUS 1000 GRW ETF	464287614	6,476,924	21,364	SH		SOLE		21,364	0	0
ISHARES/USA	S&P SML 600 GWT	464287887	602,049	4,811	SH		SOLE		4,811	0	0
ISHARES/USA	NATIONAL MUN ETF	464288414	5,814,137	53,631	SH		SOLE		53,125	0	506
Illumina Inc	COM	452327109	56,949	409	SH		SOLE		280	0	129
Ingersoll Rand Inc	COM	45687V106	212,762	2,751	SH		SOLE		1,715	0	1,036
Intel Corp	COM	458140100	354,514	7,055	SH		SOLE		7,055	0	0
International Seaways Inc	COM	Y41053102	10,233	225	SH		SOLE		225	0	0
Intuit Inc	COM	461202103	909,419	1,455	SH		SOLE		1,455	0	0
Intuitive Surgical Inc	COM NEW	46120E602	232,104	688	SH		SOLE		688	0	0
Invesco Capital Management LLC	S&P500 EQL WGT	46137V357	322,070	2,041	SH		SOLE		2,041	0	0
Invesco ETFs/USA	UNIT SER 1	46090E103	313,283	765	SH		SOLE		765	0	0
Itau Unibanco Holding SA	SPON ADR REP PFD	465562106	93,776	13,493	SH		SOLE		0	0	13,493
JPMorgan Chase & Co	COM	46625H100	1,105,650	6,500	SH		DFND		6,500	0	0
JPMorgan Chase & Co	COM	46625H100	3,026,419	17,792	SH		SOLE		16,663	0	1,129
JUNIPER NETWORKS	COM	48203R104	27,741	941	SH		SOLE		941	0	0
Jacobs Solutions Inc	COM	46982L108	40,368	311	SH		SOLE		311	0	0
Johnson & Johnson	COM	478160104	391,850	2,500	SH		DFND		2,500	0	0
Johnson & Johnson	COM	478160104	2,611,132	16,659	SH		SOLE		16,093	0	566
Johnson Controls International	SHS	G51502105	126,347	2,192	SH		SOLE		2,192	0	0
KIMBERLY-CLARK CP	COM	494368103	243,020	2,000	SH		DFND		2,000	0	0
KIMBERLY-CLARK CP	COM	494368103	943,768	7,767	SH		SOLE		3,210	0	4,557
KKR & Co Inc	COM	48251W104	15,244	184	SH		SOLE		184	0	0
KLA Corp	COM NEW	482480100	326,691	562	SH		SOLE		562	0	0
KRAFT FOODS INC	CL A	609207105	710,031	9,803	SH		SOLE		7,613	0	2,190
KROGER	COM	501044101	628,650	13,753	SH		SOLE		13,753	0	0
Kartoon Studios Inc	COM NEW	37229T509	139	100	SH		SOLE		100	0	0
Kenvue Inc	COM	49177J102	333,457	15,488	SH		SOLE		1,455	0	14,033
Keurig Dr Pepper Inc	COM	49271V100	10,229	307	SH		SOLE		307	0	0
KeyCorp	COM	493267108	13,118	911	SH		SOLE		911	0	0
Kingdom of Norway Ministry of	SPONSORED ADR	29446M102	115,075	3,637	SH		SOLE		0	0	3,637
Kyndryl Holdings Inc	COMMON STOCK	50155Q100	16,686	803	SH		SOLE		803	0	0
L3Harris Technologies Inc	COM	502431109	69,083	328	SH		SOLE		328	0	0
LAS VEGAS SANDS CO	COM	517834107	2,461	50	SH		SOLE		50	0	0
LENNAR CORP	CL A	526057104	623,732	4,185	SH		SOLE		235	0	3,950
LOWE'S COS INC	COM	548661107	591,760	2,659	SH		SOLE		2,149	0	510
LULULEMON ATHLETIC	COM	550021109	51,129	100	SH		DFND		100	0	0
LULULEMON ATHLETIC	COM	550021109	31,700	62	SH		SOLE		62	0	0
Laboratory Corp of America Hol	COM NEW	50540R409	38,412	169	SH		SOLE		169	0	0
Lam Research Corp	COM	512807108	455,074	581	SH		SOLE		403	0	178
Lattice Semiconductor Corp	COM	518415104	70,715	1,025	SH		SOLE		1,025	0	0
Lennar Corp	CL B	526057302	10,590	79	SH		SOLE		0	0	79
Lincoln Electric Holdings Inc	COM	533900106	104,598	481	SH		SOLE		481	0	0
Linde PLC	SHS	G54950103	144,981	353	SH		SOLE		353	0	0
Littelfuse Inc	COM	537008104	53,512	200	SH		SOLE		200	0	0
Lockheed Martin Corp	COM	539830109	18,130	40	SH		DFND		40	0	0
Lockheed Martin Corp	COM	539830109	373,923	825	SH		SOLE		825	0	0
Lumentum Holdings Inc	COM	55024U109	2,359	45	SH		SOLE		45	0	0
LyondellBasell Industries NV	SHS - A -	N53745100	796,010	8,372	SH		SOLE		1,180	0	7,192
M&T Bank Corp	COM	55261F104	9,184	67	SH		SOLE		67	0	0
MARATHON OIL CORP	COM	565849106	14,520	601	SH		SOLE		601	0	0
MARSH & MCLENNAN	COM	571748102	195,912	1,034	SH		SOLE		1,034	0	0
MASTERCARD INC	CL A	57636Q104	3,071,299	7,201	SH		SOLE		2,079	0	5,122
MCCORMICK & CO INC	COM NON VTG	579780206	17,105	250	SH		SOLE		250	0	0
MCDONALD'S CORP	COM	580135101	303,923	1,025	SH		DFND		1,025	0	0
MCDONALD'S CORP	COM	580135101	805,914	2,718	SH		SOLE		2,245	0	473
MCKESSON CORP	COM	58155Q103	312,512	675	SH		SOLE		675	0	0
MGM MIRAGE INC	COM	552953101	135,380	3,030	SH		SOLE		300	0	2,730
MICROSOFT CORP	COM	594918104	225,624	600	SH		DFND		600	0	0
MICROSOFT CORP	COM	594918104	12,653,746	33,650	SH		SOLE		20,589	0	13,061
MOODYS CORP	COM	615369105	132,009	338	SH		SOLE		338	0	0
MORGAN STANLEY	COM NEW	617446448	591,392	6,342	SH		SOLE		6,342	0	0
MOTOROLA INC	COM NEW	620076307	455,233	1,454	SH		SOLE		1,454	0	0
MSCI Inc	COM	55354G100	43,555	77	SH		SOLE		77	0	0
Magna International Inc	COM	559222401	56,421	955	SH		SOLE		0	0	955
Marathon Digital Holdings Inc	COM	565788106	3,336	142	SH		SOLE		142	0	0
Marathon Petroleum Corp	COM UNIT REP LTD	55336V100	1,836	50	SH		SOLE		50	0	0
Marathon Petroleum Corp	COM	56585A102	284,109	1,915	SH		SOLE		1,915	0	0
Marriott International Inc/MD	CL A	571903202	294,742	1,307	SH		SOLE		1,307	0	0
Marvell Technology Inc	COM	573874104	98,607	1,635	SH		SOLE		65	0	1,570
Masterbrand Inc	COMMON STOCK	57638P104	149	10	SH		SOLE		10	0	0
Medtronic PLC	SHS	G5960L103	599,891	7,282	SH		SOLE		2,813	0	4,469
MercadoLibre Inc	COM	58733R102	15,715	10	SH		SOLE		10	0	0
Merck & Co Inc	COM	58933Y105	327,060	3,000	SH		DFND		3,000	0	0
Merck & Co Inc	COM	58933Y105	1,198,348	10,992	SH		SOLE		9,612	0	1,380
MetLife Inc	COM	59156R108	100,848	1,525	SH		SOLE		1,525	0	0
Mettler-Toledo International I	COM	592688105	7,278	6	SH		SOLE		6	0	0
Microchip Technology Inc	COM	595017104	60,511	671	SH		SOLE		671	0	0
Micron Technology Inc	COM	595112103	703,031	8,238	SH		SOLE		5,688	0	2,550
MongoDB Inc	CL A	60937P106	7,359	18	SH		SOLE		18	0	0
Monster Beverage Corp	COM	61174X109	231,477	4,018	SH		SOLE		4,018	0	0
Morningstar Inc	COM	617700109	28,624	100	SH		SOLE		100	0	0
Murphy Oil Corp	COM	626717102	9,513	223	SH		SOLE		223	0	0
NETFLIX INC	COM	64110L106	2,678,814	5,502	SH		SOLE		758	0	4,744
NEXTERA ENERGY	COM	65339F101	242,960	4,000	SH		DFND		4,000	0	0
NEXTERA ENERGY	COM	65339F101	914,137	15,050	SH		SOLE		12,958	0	2,092
NIKE INC	CL B	654106103	1,479,375	13,626	SH		SOLE		5,293	0	8,333
NORTHERN TRUST CORP	COM	665859104	25,652	304	SH		SOLE		304	0	0
NORTHROP GRUMMAN	COM	666807102	69,753	149	SH		SOLE		149	0	0
NRG Energy Inc	COM NEW	629377508	19,026	368	SH		SOLE		368	0	0
NVIDIA Corp	COM	67066G104	495,220	1,000	SH		DFND		1,000	0	0
NVIDIA Corp	COM	67066G104	5,204,762	10,510	SH		SOLE		10,510	0	0
NXP Semiconductors NV	COM	N6596X109	1,378	6	SH		SOLE		6	0	0
National Grid PLC	SPONSORED ADR NE	636274409	237,965	3,500	SH		DFND		3,500	0	0
National Grid PLC	SPONSORED ADR NE	636274409	1,003,804	14,764	SH		SOLE		3,663	0	11,101
New Gold Inc	COM	644535106	1,460	1,000	SH		SOLE		1,000	0	0
Newmont Corp	COM	651639106	78,807	1,904	SH		SOLE		1,904	0	0
Nice Ltd	SPONSORED ADR	653656108	112,923	566	SH		SOLE		0	0	566
Nordson Corp	COM	655663102	53,624	203	SH		SOLE		203	0	0
Norfolk Southern Corp	COM	655844108	144,665	612	SH		SOLE		612	0	0
Northern Trust Investments Inc	MORNSTAR UPSTR	33939L407	12,695	310	SH		SOLE		310	0	0
Northern Trust Investments Inc	STOXX GLOBR INF	33939L795	16,746	313	SH		SOLE		313	0	0
Novartis AG	SPONSORED ADR	66987V109	90,368	895	SH		SOLE		100	0	795
Novo Holdings A/S	ADR	670100205	1,009,982	9,763	SH		SOLE		859	0	8,904
Nucor Corp	COM	670346105	299,001	1,718	SH		SOLE		1,718	0	0
O'Reilly Automotive Inc	COM	67103H107	121,610	128	SH		SOLE		128	0	0
OMNICOM GROUP INC	COM	681919106	2,941	34	SH		SOLE		34	0	0
ON Semiconductor Corp	COM	682189105	8,353	100	SH		SOLE		100	0	0
ONEOK Inc	COM	682680103	9,269	132	SH		SOLE		132	0	0
OPKO Health Inc	COM	68375N103	3,020	2,000	SH		SOLE		2,000	0	0
ORACLE CORP	COM	68389X105	622,459	5,904	SH		SOLE		5,904	0	0
Occidental Petroleum Corp	COM	674599105	30,989	519	SH		SOLE		455	0	64
Old Dominion Freight Line Inc	COM	679580100	11,349	28	SH		SOLE		28	0	0
On Holding AG	NAMEN AKT A	H5919C104	45,094	1,672	SH		SOLE		1,672	0	0
Organon & Co	COMMON STOCK	68622V106	4,326	300	SH		DFND		300	0	0
Organon & Co	COMMON STOCK	68622V106	2,870	199	SH		SOLE		199	0	0
Otis Worldwide Corp	COM	68902V107	33,551	375	SH		DFND		375	0	0
Otis Worldwide Corp	COM	68902V107	131,342	1,468	SH		SOLE		1,468	0	0
Owens Corning	COM	690742101	173,429	1,170	SH		SOLE		1,170	0	0
PACCAR INC	COM	693718108	35,447	363	SH		SOLE		363	0	0
PARKER-HANNIFIN	COM	701094104	51,138	111	SH		SOLE		111	0	0
PEPSICO INC	COM	713448108	169,840	1,000	SH		DFND		1,000	0	0
PEPSICO INC	COM	713448108	1,218,772	7,176	SH		SOLE		6,703	0	473
PHILIP MORRIS INTL	COM	718172109	272,832	2,900	SH		DFND		2,900	0	0
PHILIP MORRIS INTL	COM	718172109	1,644,707	17,482	SH		SOLE		6,365	0	11,117
PIONEER NATURAL RESOURCE	COM	723787107	109,966	489	SH		SOLE		489	0	0
PNC Financial Services Group I	COM	693475105	727,485	4,698	SH		SOLE		783	0	3,915
PPG Industries Inc	COM	693506107	5,085	34	SH		SOLE		34	0	0
PPL CORP	COM	69351T106	33,875	1,250	SH		DFND		1,250	0	0
PPL CORP	COM	69351T106	365,200	13,476	SH		SOLE		2,732	0	10,744
PROGRESSIVE CP(OH)	COM	743315103	168,200	1,056	SH		SOLE		1,056	0	0
PRUDENTIAL FINL	COM	744320102	45,632	440	SH		SOLE		440	0	0
PULTE HOMES INC	COM	745867101	43,456	421	SH		SOLE		421	0	0
Palo Alto Networks Inc	COM	697435105	145,671	494	SH		SOLE		494	0	0
Pangaea Logistics Solutions Lt	SHS	G6891L105	2,060	250	SH		SOLE		250	0	0
PayPal Holdings Inc	COM	70450Y103	1,745,456	28,423	SH		SOLE		2,680	0	25,743
Paychex Inc	COM	704326107	262,042	2,200	SH		SOLE		519	0	1,681
Penske Automotive Group Inc	COM	70959W103	40,128	250	SH		SOLE		250	0	0
Pfizer Inc	COM	717081103	1,456,429	50,588	SH		SOLE		33,259	0	17,329
Pfizer Inc	CL A	98978V103	1,575,210	7,981	SH		SOLE		2,013	0	5,968
Phillips 66	COM	718546104	156,573	1,176	SH		SOLE		1,176	0	0
Phinia Inc	COMMON STOCK	71880K101	1,545	51	SH		SOLE		11	0	40
ProShare Advisors LLC	S&P 500 DV ARIST	74348A467	20,944	220	SH		SOLE		220	0	0
Procter & Gamble Co/The	COM	742718109	293,080	2,000	SH		DFND		2,000	0	0
Procter & Gamble Co/The	COM	742718109	1,840,103	12,557	SH		SOLE		11,861	0	696
Prologis Inc	COM	74340W103	152,629	1,145	SH		SOLE		1,145	0	0
Prudential PLC	ADR	74435K204	38,771	1,727	SH		SOLE		0	0	1,727
Public Storage	COM	74460D109	152,500	500	SH		DFND		500	0	0
QUALCOMM Inc	COM	747525103	403,373	2,789	SH		SOLE		2,789	0	0
Quanta Services Inc	COM	74762E102	34,096	158	SH		SOLE		158	0	0
REALTY INCOME CORP	COM	756109104	43,065	750	SH		DFND		750	0	0
REALTY INCOME CORP	COM	756109104	354,224	6,169	SH		SOLE		1,558	0	4,611
REGENERON PHARMACEUTICALS	COM	75886F107	23,714	27	SH		SOLE		27	0	0
RELX PLC	SPONSORED ADR	759530108	139,326	3,513	SH		SOLE		0	0	3,513
RESTAURANT BRANDS INTERNATIONA	COM	76131D103	114,929	1,471	SH		SOLE		0	0	1,471
ROBLOX Corp	CL A	771049103	2,880	63	SH		SOLE		63	0	0
ROCKWELL AUTOMATION	COM	773903109	11,488	37	SH		SOLE		37	0	0
ROPER INDUSTRIES INC	COM	776696106	6,542	12	SH		SOLE		12	0	0
ROYAL CARIBBEAN	COM	V7780T103	65,781	508	SH		SOLE		508	0	0
RTX Corp	COM	75513E101	63,105	750	SH		DFND		750	0	0
RTX Corp	COM	75513E101	426,674	5,071	SH		SOLE		5,071	0	0
Regions Financial Corp	COM	7591EP100	11,706	604	SH		SOLE		604	0	0
Reliance Steel & Aluminum Co	COM	759509102	271,290	970	SH		SOLE		970	0	0
Republic Services Inc	COM	760759100	9,565	58	SH		SOLE		58	0	0
ResMed Inc	COM	761152107	8,429	49	SH		SOLE		49	0	0
Rio Tinto PLC	SPONSORED ADR	767204100	80,417	1,080	SH		SOLE		0	0	1,080
Rithm Capital Corp	COM NEW	64828T201	3,257	305	SH		SOLE		305	0	0
Rogers Communications Inc	CL B	775109200	46,950	1,003	SH		SOLE		0	0	1,003
Roku Inc	COM CL A	77543R102	4,583	50	SH		SOLE		50	0	0
Ross Stores Inc	COM	778296103	24,218	175	SH		SOLE		175	0	0
Ryder System Inc	COM	783549108	14,383	125	SH		SOLE		125	0	0
S&P Global Inc	COM	78409V104	297,351	675	SH		SOLE		431	0	244
SALESFORCE.COM INC	COM	79466L302	3,224,254	12,253	SH		SOLE		3,234	0	9,019
SAP SE	SPON ADR	803054204	78,377	507	SH		SOLE		507	0	0
SCOTTS MIRACLE-GRO CO/THE	CL A	810186106	3,188	50	SH		SOLE		50	0	0
SELECT SECTOR SPDR	SBI HEALTHCARE	81369Y209	116,332	853	SH		SOLE		853	0	0
SELECT SECTOR SPDR	ENERGY	81369Y506	2,747,269	32,768	SH		SOLE		8,951	0	23,817
SELECT SECTOR SPDR	FINANCIAL	81369Y605	304,410	8,096	SH		SOLE		8,096	0	0
SELECT SECTOR SPDR	TECHNOLOGY	81369Y803	134,736	700	SH		SOLE		700	0	0
SEMPRA ENERGY	COM	816851109	56,645	758	SH		SOLE		758	0	0
SIMON PROP GROUP	COM	828806109	24,819	174	SH		SOLE		174	0	0
SOUTHWEST AIRLINES	COM	844741108	64,171	2,222	SH		SOLE		2,222	0	0
SPDR DOW JONES IND	UT SER 1	78467X109	50,877	135	SH		SOLE		135	0	0
SPDR SER TR	PORTFOLIO S&P600	78468R853	560,235	13,282	SH		SOLE		13,282	0	0
SPDR SERIES TRUST	DJ REIT ETF	78464A607	95,606	1,003	SH		SOLE		1,003	0	0
SSGA FUNDS MANAGEMENT INC	GLB NAT RESRCE	78463X541	27,475	485	SH		SOLE		485	0	0
SSGA FUNDS MANAGEMENT INC	PORTFOLIO DEVLPD	78463X889	81,114	2,385	SH		SOLE		2,385	0	0
SSGA Funds Management Inc	S&P DIVID ETF	78464A763	72,733	582	SH		SOLE		582	0	0
SSgA Funds Management Inc	SPDR MSCI USA GE	78468R747	179,164	1,886	SH		SOLE		1,886	0	0
STARBUCKS CORP	COM	855244109	117,996	1,229	SH		SOLE		1,229	0	0
STATE STREET ETF/USA	UTSER1 S&PDCRP	78467Y107	7,785,239	15,344	SH		SOLE		15,187	0	157
STERIS PLC	SHS USD	G8473T100	11,212	51	SH		SOLE		51	0	0
SYNCHRONY FINANCIAL	COM	87165B103	26,542	695	SH		SOLE		375	0	320
Sanofi SA	SPONSORED ADR	80105N105	248,650	5,000	SH		DFND		5,000	0	0
Sanofi SA	SPONSORED ADR	80105N105	435,635	8,760	SH		SOLE		1,843	0	6,917
Schlumberger NV	COM STK	806857108	105,745	2,032	SH		SOLE		2,032	0	0
Schwab ETFs/USA	US REIT ETF	808524847	249,556	12,050	SH		SOLE		4,945	0	7,105
Sea Ltd	SPONSORD ADS	81141R100	3,848	95	SH		SOLE		95	0	0
Seagate Technology Holdings PL	ORD SHS	G7997R103	57,198	670	SH		SOLE		670	0	0
ServiceNow Inc	COM	81762P102	3,614,403	5,116	SH		SOLE		652	0	4,464
Shell PLC	SPON ADS	780259305	223,457	3,396	SH		SOLE		1,638	0	1,758
Sherwin-Williams Co/The	COM	824348106	52,711	169	SH		SOLE		169	0	0
Skyworks Solutions Inc	COM	83088M102	3,822	34	SH		SOLE		34	0	0
Smith & Nephew PLC	SPDN ADR NEW	83175M205	55,651	2,040	SH		SOLE		0	0	2,040
Snowflake Inc	CL A	833445109	9,154	46	SH		SOLE		46	0	0
Sony Group Corp	SPONSORED ADR	835699307	127,169	1,343	SH		SOLE		500	0	843
Southern Co/The	COM	842587107	280,480	4,000	SH		DFND		4,000	0	0
Southern Co/The	COM	842587107	986,238	14,065	SH		SOLE		5,192	0	8,873
Splunk Inc	COM	848637104	21,024	138	SH		SOLE		138	0	0
Starwood Property Trust Inc	COM	85571B105	40,569	1,930	SH		SOLE		1,930	0	0
State Street Corp	COM	857477103	11,619	150	SH		SOLE		150	0	0
State Street ETF/USA	TR UNIT	78462F103	8,904,458	18,734	SH		SOLE		12,099	0	6,635
Steel Dynamics Inc	COM	858119100	11,101	94	SH		SOLE		94	0	0
Stryker Corp	COM	863667101	23,058	77	SH		SOLE		77	0	0
Sumitomo Mitsui Financial Grou	SPONSORED ADR	86562M209	726	75	SH		SOLE		75	0	0
Synopsys Inc	COM	871607107	16,992	33	SH		SOLE		33	0	0
Sysco Corp	COM	871829107	43,659	597	SH		SOLE		597	0	0
T-MOBILE US INC	COM	872590104	148,145	924	SH		SOLE		924	0	0
TC Energy Corp	COM	87807B107	613,869	15,704	SH		SOLE		2,368	0	13,336
TE Connectivity Ltd	SHS	H84989104	76,854	547	SH		SOLE		547	0	0
TEXAS INSTRUMENTS	COM	882508104	967,701	5,677	SH		SOLE		5,156	0	521
TJX Cos Inc/The	COM	872540109	367,735	3,920	SH		SOLE		3,920	0	0
TORONTO-DOMINION	COM NEW	891160509	146,106	2,261	SH		SOLE		2,261	0	0
TRACTOR SUPPLY CO	COM	892356106	5,806	27	SH		SOLE		27	0	0
TRAVEL PLUS LEISURE CO	COM	894164102	3,909	100	SH		SOLE		100	0	0
TRAVELERS CO INC	COM	89417E109	278,115	1,460	SH		SOLE		1,460	0	0
TSMC	SPONSORED ADS	874039100	392,600	3,775	SH		SOLE		909	0	2,866
Targa Resources Corp	COM	87612G101	39,092	450	SH		SOLE		450	0	0
Target Corp	COM	87612E106	150,823	1,059	SH		SOLE		1,059	0	0
Teradyne Inc	COM	880770102	54,260	500	SH		SOLE		500	0	0
Tesla Inc	COM	88160R101	845,080	3,401	SH		SOLE		3,401	0	0
Textron Inc	COM	883203101	15,601	194	SH		SOLE		194	0	0
Thermo Fisher Scientific Inc	COM	883556102	1,883,243	3,548	SH		SOLE		1,059	0	2,489
TotalEnergies SE	SPONSORED ADS	89151E109	1,328,329	19,714	SH		SOLE		4,480	0	15,234
Trade Desk Inc/The	COM CL A	88339J105	34,541	480	SH		SOLE		480	0	0
Trane Technologies PLC	SHS	G8994E103	1,041,697	4,271	SH		SOLE		3,246	0	1,025
Truist Financial Corp	COM	89832Q109	673,864	18,252	SH		SOLE		4,932	0	13,320
Tyson Foods Inc	CL A	902494103	5,375	100	SH		SOLE		100	0	0
US Bancorp	COM NEW	902973304	737,102	17,031	SH		SOLE		2,707	0	14,324
UTD PARCEL SERV	CL B	911312106	196,538	1,250	SH		DFND		1,250	0	0
UTD PARCEL SERV	CL B	911312106	689,454	4,385	SH		SOLE		1,900	0	2,485
Uber Technologies Inc	COM	90353T100	26,906	437	SH		SOLE		437	0	0
Ulta Beauty Inc	COM	90384S303	69,579	142	SH		SOLE		142	0	0
Unilever PLC	SPON ADR NEW	904767704	48,480	1,000	SH		DFND		1,000	0	0
Unilever PLC	SPON ADR NEW	904767704	449,410	9,270	SH		SOLE		2,171	0	7,099
Union Pacific Corp	COM	907818108	216,882	883	SH		SOLE		883	0	0
UnitedHealth Group Inc	COM	91324P102	3,486,811	6,623	SH		SOLE		3,402	0	3,221
VANGUARD	S&P 500 ETF SHS	922908363	177,341	406	SH		DFND		406	0	0
VANGUARD	S&P 500 ETF SHS	922908363	51,474,696	117,845	SH		SOLE		48,345	0	69,500
VANGUARD ETF/USA	DIV APP ETF	921908844	617,359	3,623	SH		SOLE		0	0	3,623
VANGUARD ETF/USA	FTSE EMR MKT ETF	922042858	1,599,365	38,914	SH		SOLE		22,235	0	16,679
VANGUARD ETF/USA	INF TECH ETF	92204A702	242,000	500	SH		SOLE		500	0	0
VANGUARD ETF/USA	SHRT TRM CORP BD	92206C409	6,050,566	78,203	SH		SOLE		73,285	0	4,918
VANGUARD ETF/USA	SM CP VAL ETF	922908611	1,809,598	10,055	SH		SOLE		5,539	0	4,516
VANGUARD ETF/USA	TOTAL STK MKT	922908769	912,111	3,845	SH		SOLE		3,845	0	0
VANGUARD GROUP INC/THE	SHORT TERM TREAS	92206C102	908,256	15,571	SH		SOLE		15,571	0	0
VANGUARD WHITEHALL	HIGH DIV YLD	921946406	152,263	1,364	SH		DFND		1,364	0	0
VANGUARD WHITEHALL	HIGH DIV YLD	921946406	30,140	270	SH		SOLE		270	0	0
VERIZON COMMUN	COM	92343V104	245,050	6,500	SH		DFND		6,500	0	0
VERIZON COMMUN	COM	92343V104	1,119,803	29,703	SH		SOLE		7,299	0	22,404
VIATRIS INC	COM	92556V106	12,725	1,175	SH		SOLE		1,175	0	0
VISA INC	COM CL A	92826C839	3,736,023	14,350	SH		SOLE		5,282	0	9,068
Valero Energy Corp	COM	91913Y100	373,100	2,870	SH		SOLE		2,359	0	511
Vanguard ETF/USA	TOTAL BND MRKT	921937835	4,775,749	64,932	SH		SOLE		60,107	0	4,825
Vanguard ETF/USA	VAN FTSE DEV MKT	921943858	2,054,048	42,882	SH		SOLE		10,340	0	32,542
Vanguard ETF/USA	ALLWRLD EX US	922042775	95,438	1,700	SH		SOLE		1,700	0	0
Vanguard ETF/USA	ENERGY ETF	92204A306	2,854,712	24,341	SH		SOLE		7,514	0	16,827
Vanguard ETF/USA	TAX EXEMPT BD	922907746	10,243,795	200,662	SH		SOLE		195,109	0	5,553
Vanguard ETF/USA	MCAP VL IDXVIP	922908512	1,812,480	12,499	SH		SOLE		7,106	0	5,393
Vanguard ETF/USA	MCAP GR IDXVIP	922908538	175,656	800	SH		SOLE		800	0	0
Vanguard ETF/USA	REAL ESTATE ETF	922908553	455,054	5,150	SH		DFND		5,150	0	0
Vanguard ETF/USA	REAL ESTATE ETF	922908553	3,925,216	44,423	SH		SOLE		42,538	0	1,885
Vanguard ETF/USA	SML CP GRW ETF	922908595	30,463	126	SH		SOLE		126	0	0
Vanguard ETF/USA	MID CAP ETF	922908629	5,448,429	23,420	SH		SOLE		14,852	0	8,568
Vanguard ETF/USA	GROWTH ETF	922908736	31,088	100	SH		SOLE		100	0	0
Vanguard ETF/USA	VALUE ETF	922908744	7,934,264	53,072	SH		SOLE		31,181	0	21,891
Vanguard ETF/USA	SMALL CP ETF	922908751	5,007,068	23,471	SH		SOLE		13,970	0	9,501
Vanguard Group Inc/The	LARGE CAP ETF	922908637	79,843	366	SH		SOLE		366	0	0
Verisk Analytics Inc	COM	92345Y106	21,736	91	SH		SOLE		91	0	0
Vertex Pharmaceuticals Inc	COM	92532F100	163,570	402	SH		SOLE		402	0	0
Virgin Galactic Holdings Inc	COM	92766K106	835	341	SH		SOLE		341	0	0
Vitesse Energy Inc	COMMON STOCK	92852X103	2,189	100	SH		SOLE		100	0	0
Vodafone Group PLC	SPONSORED ADR	92857W308	3,532	406	SH		SOLE		406	0	0
Vontier Corp	COM	928881101	553	16	SH		SOLE		16	0	0
Voya Financial Inc	COM	929089100	201,151	2,757	SH		SOLE		2,567	0	190
WASTE MANAGEMENT	COM	94106L109	179,996	1,005	SH		SOLE		1,005	0	0
WEC Energy Group Inc	COM	92939U106	7,828	93	SH		SOLE		93	0	0
WELLS FARGO & CO	COM	949746101	148,349	3,014	SH		SOLE		3,014	0	0
WELLTOWER INC COM	COM	95040Q104	67,628	750	SH		SOLE		750	0	0
Walgreens Boots Alliance Inc	COM	931427108	11,253	431	SH		SOLE		431	0	0
Walmart Inc	COM	931142103	982,002	6,229	SH		SOLE		6,229	0	0
Walt Disney Co/The	COM	254687106	567,653	6,287	SH		SOLE		6,287	0	0
Warner Bros Discovery Inc	COM SER A	934423104	4,654	409	SH		SOLE		409	0	0
Waste Connections Inc	COM	94106B101	55,081	369	SH		SOLE		369	0	0
Weibo Corp	SPONSORED ADR	948596101	29,412	2,686	SH		SOLE		0	0	2,686
Westinghouse Air Brake Technol	COM	929740108	6,980	55	SH		SOLE		55	0	0
Weyerhaeuser Co	COM NEW	962166104	8,658	249	SH		SOLE		249	0	0
Williams Cos Inc/The	COM	969457100	974,091	27,967	SH		SOLE		7,263	0	20,704
Wolfspeed Inc	COM	977852102	13,053	300	SH		SOLE		300	0	0
Woodside Energy Group Ltd	SPONSORED ADR	980228308	61,224	2,903	SH		SOLE		0	0	2,903
Workday Inc	CL A	98138H101	1,108,105	4,014	SH		SOLE		241	0	3,773
XP INC	CL A	G98239109	56,181	2,155	SH		SOLE		0	0	2,155
Xcel Energy Inc	COM	98389B100	339,081	5,477	SH		SOLE		512	0	4,965
Xylem Inc/NY	COM	98419M100	26,532	232	SH		SOLE		232	0	0
YETI Holdings Inc	COM	98585X104	46,602	900	SH		SOLE		900	0	0
YUM BRANDS INC	COM	988498101	352,259	2,696	SH		SOLE		1,816	0	880
Yelp Inc	CL A	985817105	24,759	523	SH		SOLE		523	0	0
Zebra Technologies Corp	CL A	989207105	6,560	24	SH		SOLE		24	0	0
ZoomInfo Technologies Inc	COMMON STOCK	98980F104	1,572	85	SH		SOLE		85	0	0
iShares ETFs/USA	CORE US AGGBD ET	464287226	3,835,814	38,648	SH		SOLE		36,999	0	1,649
iShares ETFs/USA	MSCI ACWI EX US	464288240	25,775	505	SH		SOLE		505	0	0
iShares ETFs/USA	IBONDS 24 TRM HG	46435U184	2,089	90	SH		SOLE		90	0	0
iShares ETFs/USA	IBDS DEC28 ETF	46435U515	16,309	650	SH		SOLE		650	0	0
iShares ETFs/USA	BROAD USD HIGH	46435U853	3,276,444	90,136	SH		SOLE		83,199	0	6,937
iShares ETFs/USA	IBONDS DEC 2032	46436E296	11,948	517	SH		SOLE		517	0	0
iShares ETFs/USA	IBONDS DEC 2031	46436E486	9,866	475	SH		SOLE		475	0	0
iShares ETFs/USA	ESG SCRND S&P500	46436E569	140,558	3,863	SH		SOLE		3,863	0	0
iShares ETFs/USA	IBONDS 29 TRM TS	46436E825	24,503	1,125	SH		SOLE		1,125	0	0
iShares ETFs/USA	IBONDS 27 TRM TS	46436E841	29,107	1,300	SH		SOLE		1,300	0	0