American 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
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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
2U INC.	Equities	90214J101	84	13,481	SH		DFND		0	0	13,481
ABBOTT LAB	Equities	002824100	3,221	33,293	SH		SOLE		33,293	0	0
ABBVIE INC	Equities	00287Y109	496	3,696	SH		SOLE		3,696	0	0
ABBVIE INC	Equities	00287Y109	439	3,270	SH		DFND		0	0	3,270
ABRDN GLOBAL ABS RT STRATS INST	Mutual Funds	003021730	210	22,960	SH		SOLE		22,960	0	0
Acadia Healthcare Company Inc	Equities	00404A109	299	3,821	SH		DFND		0	0	3,821
ACCENTURE PLC	Equities	G1151C101	1,769	6,876	SH		DFND		0	0	6,876
ACCENTURE PLC	Equities	G1151C101	4,487	17,440	SH		SOLE		17,440	0	0
ACI WORLDWIDE INC.	Equities	004498101	225	10,775	SH		DFND		0	0	10,775
ADVANCE AUTO PARTS INC	Equities	00751Y106	412	2,635	SH		DFND		0	0	2,635
AECOM	Equities	00766T100	469	6,853	SH		DFND		0	0	6,853
AFLAC INC	Equities	001055102	175	3,118	SH		DFND		0	0	3,118
AFLAC INC	Equities	001055102	180	3,210	SH		SOLE		3,210	0	0
AGILENT TECH	Equities	00846U101	553	4,547	SH		DFND		0	0	4,547
Agilent Technologies Inc	Equities	464288257	741	9,515	SH		SOLE		9,515	0	0
AIR PRODUCTS & CHEMICALS INC	Equities	009158106	577	2,481	SH		DFND		0	0	2,481
AIR PRODUCTS & CHEMICALS INC	Equities	009158106	23	98	SH		SOLE		98	0	0
AIRBNB INC CL A	Equities	009066101	981	9,340	SH		DFND		0	0	9,340
ALASKA AIR GROUP	Equities	011659109	282	7,204	SH		DFND		0	0	7,204
ALBEMARLE CORP.	Equities	012653101	376	1,423	SH		DFND		0	0	1,423
ALCON INC.	Equities	H01301128	0	2	SH		SOLE		2	0	0
ALCON INC.	Equities	H01301128	450	7,733	SH		DFND		0	0	7,733
ALLEGHENY TECH	Equities	01741R102	502	18,876	SH		DFND		0	0	18,876
ALLSTATE	Equities	020002101	732	5,877	SH		DFND		0	0	5,877
ALPHABET, INC. CLASS A	Equities	02079K305	134	1,400	SH		SOLE		1,400	0	0
ALPHABET, INC. CLASS A	Equities	02079K305	399	4,170	SH		DFND		0	0	4,170
ALPHABET, INC. CLASS C	Equities	02079K107	397	4,130	SH		DFND		0	0	4,130
ALPHABET, INC. CLASS C	Equities	02079K107	205	2,131	SH		SOLE		2,131	0	0
AMAZON.COM INC	Equities	023135106	4,001	35,406	SH		SOLE		35,406	0	0
AMAZON.COM INC	Equities	023135106	2,138	18,920	SH		DFND		0	0	18,920
Amcor PLC	Equities	G0250X107	137	12,770	SH		DFND		0	0	12,770
AMERICAN EXPRESS CO	Equities	025816109	67	495	SH		SOLE		495	0	0
AMERICAN EXPRESS CO	Equities	025816109	1,449	10,742	SH		DFND		0	0	10,742
AMERICAN TOWER CORP A	Equities	03027X100	773	3,599	SH		DFND		0	0	3,599
AMERICAN TOWER CORP A	Equities	03027X100	2,640	12,297	SH		SOLE		12,297	0	0
AMGEN	Equities	031162100	29	127	SH		SOLE		127	0	0
AMGEN	Equities	031162100	189	840	SH		DFND		0	0	840
AMPHENOL CORP	Equities	032095101	83	1,241	SH		DFND		0	0	1,241
AMPHENOL CORP	Equities	032095101	2,895	43,229	SH		SOLE		43,229	0	0
AON PLC CLASS A	Equities	G0403H108	856	3,197	SH		DFND		0	0	3,197
APPLE INC	Equities	037833100	1,991	14,410	SH		DFND		0	0	14,410
APPLE INC	Equities	037833100	7,172	51,897	SH		SOLE		51,897	0	0
Arch Capital Group Ltd	Equities	G0450A105	319	6,998	SH		DFND		0	0	6,998
ARCHER DANIEL MIDLND	Equities	039483102	326	4,052	SH		DFND		0	0	4,052
ARISTA NETWORKS	Equities	040413106	355	3,146	SH		DFND		0	0	3,146
Array Technologies Inc	Equities	04271T100	380	22,920	SH		DFND		0	0	22,920
ASML HOLDING NV	Equities	N07059210	461	1,110	SH		DFND		0	0	1,110
AT&T INC	Equities	00206R102	23	1,528	SH		SOLE		1,528	0	0
AT&T INC	Equities	00206R102	247	16,130	SH		DFND		0	0	16,130
ATLASSIAN CORP PLC	Equities	G06242104	418	1,986	SH		DFND		0	0	1,986
AUTOMATIC DATA PROC	Equities	053015103	265	1,172	SH		SOLE		1,172	0	0
AUTOZONE INC	Equities	053332102	212	99	SH		DFND		0	0	99
Avantis U.S. Equity ETF	Equities	025072885	808	12,963	SH		SOLE		12,963	0	0
AXON ENTERPRISE ORD SHS	Equities	05464C101	509	4,400	SH		DFND		0	0	4,400
Azul Holdings Inc	Equities	05501U106	178	21,823	SH		DFND		0	0	21,823
BANK OF AMERICA	Equities	060505104	492	16,300	SH		DFND		0	0	16,300
BANK OF AMERICA	Equities	060505104	85	2,829	SH		SOLE		2,829	0	0
Bankunited Inc	Equities	06652K103	233	6,811	SH		DFND		0	0	6,811
BAXTER INTL	Equities	071813109	45	834	SH		SOLE		834	0	0
BAXTER INTL	Equities	071813109	896	16,630	SH		DFND		0	0	16,630
Beacon Roofing Supply Inc	Equities	073685109	238	4,349	SH		DFND		0	0	4,349
BECTON DICKINSON & CO	Equities	075887109	328	1,471	SH		DFND		0	0	1,471
BECTON DICKINSON & CO	Equities	075887109	263	1,179	SH		SOLE		1,179	0	0
BELDEN INC	Equities	077454106	290	4,839	SH		DFND		0	0	4,839
BERRY GLOBAL GROUP INC	Equities	08579W103	217	4,668	SH		DFND		0	0	4,668
Bill.Com Holdings Inc	Equities	090043100	814	6,151	SH		DFND		0	0	6,151
BIOMARIN PHARMACEUTICAL INC	Equities	09061G101	229	2,758	SH		DFND		0	0	2,758
BLACKROCK INC.	Equities	09247X101	2,748	4,994	SH		SOLE		4,994	0	0
BORGWARNER INC.	Equities	099724106	282	8,989	SH		DFND		0	0	8,989
BRISTOL-MYERS SQUIBB	Equities	110122108	325	4,570	SH		DFND		0	0	4,570
BRISTOL-MYERS SQUIBB	Equities	110122108	221	3,109	SH		SOLE		3,109	0	0
BUILDERS FIRSTSOURCE INC	Equities	12008R107	614	11,433	SH		DFND		0	0	11,433
CABOT OIL & GAS CORPORATION A	Equities	127097103	416	15,931	SH		DFND		0	0	15,931
Caesars Entertainment Inc	Equities	12769G100	422	13,084	SH		DFND		0	0	13,084
Caesarstone Ltd	Equities	M20598104	119	12,758	SH		DFND		0	0	12,758
CANADIAN PACIFIC RAILWAY LTD.	Equities	13645T100	24	363	SH		SOLE		363	0	0
CANADIAN PACIFIC RAILWAY LTD.	Equities	13645T100	570	8,545	SH		DFND		0	0	8,545
CARPENTER TECHNOLOGY CORPORATIO	Equities	144285103	234	7,525	SH		DFND		0	0	7,525
CATERPILLAR INC	Equities	149123101	235	1,430	SH		DFND		0	0	1,430
CATERPILLAR INC	Equities	149123101	72	437	SH		SOLE		437	0	0
Change Healthcare Inc	Equities	15912K100	214	7,800	SH		DFND		0	0	7,800
CHEVRON CORP	Equities	166764100	127	885	SH		SOLE		885	0	0
CHEVRON CORP	Equities	166764100	234	1,630	SH		DFND		0	0	1,630
CHIPOTLE MEXICAN GRILL	Equities	169656105	440	278	SH		DFND		0	0	278
CHUBB LTD	Equities	H1467J104	4,747	26,100	SH		SOLE		26,100	0	0
CHUBB LTD	Equities	H1467J104	2,392	13,154	SH		DFND		0	0	13,154
CIGNA CORPORATION NEW	Equities	125523100	1,046	3,771	SH		DFND		0	0	3,771
CIGNA CORPORATION NEW	Equities	125523100	16	58	SH		SOLE		58	0	0
CINTAS CORP.	Equities	172908105	283	730	SH		DFND		0	0	730
CINTAS CORP.	Equities	172908105	2,491	6,417	SH		SOLE		6,417	0	0
CISCO SYS INC	Equities	17275R102	420	10,500	SH		DFND		0	0	10,500
CISCO SYS INC	Equities	17275R102	182	4,546	SH		SOLE		4,546	0	0
COCA COLA EUROPEAN PARTNERS PLC	Equities	G25839104	450	10,569	SH		DFND		0	0	10,569
COCA-COLA	Equities	191216100	227	4,052	SH		SOLE		4,052	0	0
COCA-COLA	Equities	191216100	777	13,870	SH		DFND		0	0	13,870
COHERENT CORP	Equities	19247G107	211	6,045	SH		DFND		0	0	6,045
COLGATE-PALMOLIVE CO	Equities	194162103	38	534	SH		SOLE		534	0	0
COLGATE-PALMOLIVE CO	Equities	194162103	1,721	24,494	SH		DFND		0	0	24,494
COMCAST CORPORATION	Equities	20030N101	2,897	98,771	SH		SOLE		98,771	0	0
COMCAST CORPORATION	Equities	20030N101	602	20,523	SH		DFND		0	0	20,523
COMERICA INC	Equities	200340107	242	3,407	SH		DFND		0	0	3,407
Commvault Systems Inc	Equities	204166102	211	3,982	SH		DFND		0	0	3,982
Controladora Vuela Cia De Aviac	Equities	21240E105	204	29,121	SH		DFND		0	0	29,121
COOPER COMPANIES	Equities	216648402	315	1,005	SH		DFND		0	0	1,005
COSTCO WHOLESALE CORP	Equities	22160K105	4,683	9,916	SH		SOLE		9,916	0	0
COSTCO WHOLESALE CORP	Equities	22160K105	561	1,188	SH		DFND		0	0	1,188
CREDIT ACCEPTANCE CORP.	Equities	225310101	205	469	SH		DFND		0	0	469
CROWDSTRIKE HOLDINGS ORD SHS CL	Equities	22788C105	580	3,520	SH		DFND		0	0	3,520
CUMMINS INC	Equities	231021106	3,861	18,973	SH		SOLE		18,973	0	0
CVS HEALTH CORPORATION	Equities	126650100	19	200	SH		SOLE		200	0	0
CVS HEALTH CORPORATION	Equities	126650100	795	8,341	SH		DFND		0	0	8,341
D.R. HORTON INCORPORATED	Equities	23331A109	214	3,232	SH		DFND		0	0	3,232
Dana Inc	Equities	235825205	331	28,933	SH		DFND		0	0	28,933
DANAHER CORP	Equities	235851102	1,879	7,274	SH		DFND		0	0	7,274
DANAHER CORP	Equities	235851102	38	149	SH		SOLE		149	0	0
DEERE CO	Equities	244199105	4,090	12,251	SH		SOLE		12,251	0	0
DEERE CO	Equities	244199105	747	2,236	SH		DFND		0	0	2,236
DEVON ENERGY CORP	Equities	25179M103	247	4,104	SH		DFND		0	0	4,104
DISCOVER FINANCIAL SERVICES	Equities	254709108	230	2,531	SH		DFND		0	0	2,531
DIVERSEY HOLDINGS LTD	Equities	G28923103	104	21,307	SH		DFND		0	0	21,307
DOLLAR GENERAL CORPORATION	Equities	256677105	203	846	SH		DFND		0	0	846
DOLLAR GENERAL CORPORATION	Equities	256677105	4,069	16,963	SH		SOLE		16,963	0	0
DOUBLEVERIFY HOLDINGS INC	Equities	25862V105	494	18,075	SH		DFND		0	0	18,075
DOVER CORPORATION	Equities	260003108	2,428	20,830	SH		SOLE		20,830	0	0
DUKE ENERGY CORPORATION	Equities	26441C204	37	395	SH		SOLE		395	0	0
DUKE ENERGY CORPORATION	Equities	26441C204	186	2,000	SH		DFND		0	0	2,000
DUPONT DE NEMOURS INC.	Equities	26614N102	310	6,158	SH		DFND		0	0	6,158
EA BRIDGEWAY BLUE CHIP ETF	Equities	02072L714	880	82,373	SH		SOLE		82,373	0	0
Eagle Materials Inc	Equities	26969P108	259	2,415	SH		DFND		0	0	2,415
ECOLAB INC	Equities	278865100	1,645	11,393	SH		DFND		0	0	11,393
ELEVANCE HEALTH INC	Equities	036752103	222	488	SH		SOLE		488	0	0
ELEVANCE HEALTH INC	Equities	036752103	245	540	SH		DFND		0	0	540
ELI LILLY & CO	Equities	532457108	619	1,913	SH		SOLE		1,913	0	0
ENTERGY CORP	Equities	29364G103	384	3,817	SH		DFND		0	0	3,817
EOG RESOURCES	Equities	26875P101	1,800	16,114	SH		SOLE		16,114	0	0
EOG RESOURCES	Equities	26875P101	242	2,170	SH		DFND		0	0	2,170
Epam Sys Inc	Equities	29414B104	662	1,828	SH		DFND		0	0	1,828
EVEREST RE GROUP	Equities	G3223R108	357	1,361	SH		DFND		0	0	1,361
EXACT SCIENCES CORP	Equities	30063P105	612	18,833	SH		DFND		0	0	18,833
EXXON MOBIL	Equities	30231G102	259	2,966	SH		SOLE		2,966	0	0
EXXON MOBIL	Equities	30231G102	747	8,560	SH		DFND		0	0	8,560
Fabrinet	Equities	G3323L100	252	2,638	SH		DFND		0	0	2,638
Fair Isaac Corporation	Equities	303250104	572	1,389	SH		DFND		0	0	1,389
FERGUSON PLC	Equities	G3421J106	212	2,059	SH		DFND		0	0	2,059
Ferrari N.V.	Equities	N3167Y103	391	2,115	SH		DFND		0	0	2,115
Fidelity MSCI Health Care Index	Equities	316092600	494	8,572	SH		SOLE		8,572	0	0
FIDELITY MSCI REAL ESTATE INDEX	Equities	316092857	4,044	169,078	SH		DFND		169,078	0	0
FIDELITY MSCI REAL ESTATE INDEX	Equities	316092857	112	4,674	SH		SOLE		4,674	0	0
First Bancorp	Equities	318672706	432	31,558	SH		DFND		0	0	31,558
First Citizens BancShares Inc/N	Equities	31946M103	375	470	SH		DFND		0	0	470
FIRST SOLAR INC	Equities	336433107	202	1,529	SH		DFND		0	0	1,529
FLEXTRONICS INTL	Equities	Y2573F102	227	13,598	SH		DFND		0	0	13,598
FMC CORPORATION	Equities	302491303	249	2,358	SH		DFND		0	0	2,358
Gartner Inc	Equities	366651107	407	1,470	SH		DFND		0	0	1,470
GENERAL DYNAMICS CORP.	Equities	369550108	383	1,803	SH		DFND		0	0	1,803
GENERAL DYNAMICS CORP.	Equities	369550108	19	90	SH		SOLE		90	0	0
Genpact Ltd	Equities	G3922B107	464	10,590	SH		DFND		0	0	10,590
Global-E Online Ltd Com Npv	Equities	M5216V106	364	13,600	SH		DFND		0	0	13,600
Goldman Sachs Acss Invmt Grd Co	Equities	381430479	485	11,225	SH		SOLE		11,225	0	0
GOLDMAN SACHS GRP	Equities	38141G104	211	720	SH		DFND		0	0	720
GOLDMAN SACHS GRP	Equities	38141G104	91	310	SH		SOLE		310	0	0
Goldman Sachs Innovate Equity E	Equities	38149W820	296	7,613	SH		SOLE		7,613	0	0
GOODYEAR TIRE & RUBBER CO	Equities	382550101	127	12,630	SH		DFND		0	0	12,630
HAEMONETICS CORP.	Equities	405024100	249	3,368	SH		DFND		0	0	3,368
HCA HOLDINGS INC.	Equities	40412C101	252	1,370	SH		DFND		0	0	1,370
HERSHEY FOODS CO	Equities	427866108	3,084	13,987	SH		SOLE		13,987	0	0
HESS CORP	Equities	42809H107	449	4,238	SH		DFND		0	0	4,238
Hologic Inc	Equities	436440101	314	4,864	SH		DFND		0	0	4,864
HOME DEPOT INC.	Equities	437076102	3,345	12,123	SH		SOLE		12,123	0	0
HONEYWELL INTERNATIONAL INC	Equities	438516106	4,512	27,023	SH		SOLE		27,023	0	0
HONEYWELL INTERNATIONAL INC	Equities	438516106	1,785	10,693	SH		DFND		0	0	10,693
HP INC.	Equities	40434L105	177	7,112	SH		DFND		0	0	7,112
HP INC.	Equities	40434L105	45	1,786	SH		SOLE		1,786	0	0
HUMANA INC	Equities	444859102	428	882	SH		DFND		0	0	882
HUNT J B TRANS SVCS INC	Equities	445658107	3,201	20,461	SH		SOLE		20,461	0	0
I SHARES MSCI EAFE GROWTH	Equities	464288885	352	4,845	SH		SOLE		4,845	0	0
Icon PLC ADR	Equities	G4705A100	346	1,885	SH		DFND		0	0	1,885
IDACORP Inc	Equities	451107106	211	2,129	SH		DFND		0	0	2,129
INOVIO PHARMACEUTICALS INC	Equities	45773H201	48	27,666	SH		SOLE		27,666	0	0
Insulet Corporation	Equities	45784P101	505	2,203	SH		DFND		0	0	2,203
Integra LifeSciences Holdings C	Equities	457985208	207	4,875	SH		DFND		0	0	4,875
Integral Ad Science Holding Cor	Equities	45828L108	108	14,887	SH		DFND		0	0	14,887
INTERFACE INC.	Equities	458665304	127	14,178	SH		DFND		0	0	14,178
INTL FLAVORS & FRAGRANCES	Equities	459506101	427	4,702	SH		DFND		0	0	4,702
Invesco Dynamic Pharmaceuticals	Equities	46137V662	227	3,177	SH		SOLE		3,177	0	0
INVESCO EMERGING MKTS SOVEREIGN	Equities	46138E784	230	13,589	SH		SOLE		13,589	0	0
Invesco FTSE RAFI US 1000 ETF	Equities	46137V613	402	2,900	SH		SOLE		2,900	0	0
Invesco S&P MidCap Momentum ETF	Equities	46137V464	447	6,411	SH		SOLE		6,411	0	0
ISHARE MSCI BRAZIL	Equities	464286400	3,281	110,747	SH		SOLE		110,747	0	0
iShares 0-5 Year High Yield Bon	Equities	46434V407	2,079	52,062	SH		DFND		52,062	0	0
ISHARES 3-7 YEAR TREASURY BD	Equities	464288661	1,546	13,532	SH		SOLE		13,532	0	0
iShares Aaa - A Rated Corporate	Equities	46429B291	488	10,745	SH		SOLE		10,745	0	0
ISHARES BARCLAYS 1-3 YR TREASUR	Equities	464287457	2,095	25,797	SH		SOLE		25,797	0	0
ISHARES BARCLAYS AGGREGATE BD F	Equities	464287226	10,796	112,060	SH		SOLE		112,060	0	0
ISHARES BARCLAYS TIPS BOND	Equities	464287176	793	7,558	SH		SOLE		7,558	0	0
ISHARES BROAD USD HIGH YLD CORP	Equities	46435U853	8,024	238,682	SH		DFND		238,682	0	0
ISHARES BROAD USD HIGH YLD CORP	Equities	46435U853	197	5,859	SH		SOLE		5,859	0	0
ISHARES CORE 1-5 YEAR USD BOND	Equities	46432F859	237	5,144	SH		SOLE		5,144	0	0
ISHARES CORE DIVIDEND GROWTH	Equities	46434V621	50,221	1,129,327	SH		SOLE		1,129,327	0	0
iShares Core Growth Allocation	Equities	464289875	260	7,107	SH		SOLE		7,107	0	0
iShares Core International Aggr	Equities	46435G672	402	8,313	SH		SOLE		8,313	0	0
ISHARES CORE MSCI EAFE ETF	Equities	46432F842	913	17,335	SH		SOLE		17,335	0	0
ISHARES CORE MSCI EMERGING MARK	Equities	46434G103	308	7,174	SH		SOLE		7,174	0	0
ISHARES CORE S&P 500 ETF	Equities	464287200	6,767	18,869	SH		SOLE		18,869	0	0
ISHARES CORE S&P MID-CAP ETF	Equities	464287507	436	1,988	SH		SOLE		1,988	0	0
ISHARES CORE S&P SMALL-CAP ETF	Equities	464287804	2,954	33,883	SH		SOLE		33,883	0	0
iShares Core S&P US Growth ETF	Equities	464287671	1,519	18,942	SH		SOLE		18,942	0	0
iShares Core S&P US Value ETF	Equities	464287663	250	3,994	SH		SOLE		3,994	0	0
iShares Core Total USD Bond Mar	Equities	46434V613	2,647	59,483	SH		SOLE		59,483	0	0
iShares Currency Hedged MSCI EA	Equities	46434V803	7,346	245,751	SH		DFND		245,751	0	0
ISHARES DJ US REAL ESTATE INDEX	Equities	464287739	282	3,468	SH		SOLE		3,468	0	0
ISHARES DJ US TECHNOLOGY SECTOR	Equities	464287721	267	3,636	SH		SOLE		3,636	0	0
ISHARES DOW JONES SELECT DIVIDE	Equities	464287168	278	2,590	SH		SOLE		2,590	0	0
iShares Edge MSCI Min Vol Globa	Equities	464286525	345	3,891	SH		SOLE		3,891	0	0
ISHARES EDGE MSCI USA QUALITY F	Equities	46432F339	9,918	95,416	SH		SOLE		95,416	0	0
iShares ESG Aware MSCI USA Smal	Equities	46435U663	397	12,956	SH		SOLE		12,956	0	0
ISHARES EXPANDED TECH SECTOR	Equities	464287549	393	1,423	SH		SOLE		1,423	0	0
iShares Exponential Technologie	Equities	46434V381	1,967	44,127	SH		SOLE		44,127	0	0
iShares Global Infrastructure E	Equities	464288372	6,132	146,598	SH		DFND		146,598	0	0
iShares Global Infrastructure E	Equities	464288372	23	546	SH		SOLE		546	0	0
ISHARES GOLD TRUST	Equities	464285204	375	11,894	SH		SOLE		11,894	0	0
ISHARES IBOXX $ HIGH YIELD CORP	Equities	464288513	55,841	782,196	SH		SOLE		782,196	0	0
ISHARES IBOXX $ INVEST GRADE CO	Equities	464287242	319	3,116	SH		SOLE		3,116	0	0
ISHARES INC GERMANY	Equities	464286806	224	11,360	SH		SOLE		11,360	0	0
ISHARES JPM USD EMERG MARKETS B	Equities	464288281	220	2,774	SH		SOLE		2,774	0	0
iShares Morningstar Small-Cap V	Equities	464288703	217	4,571	SH		SOLE		4,571	0	0
ISHARES MORNINGSTAR U.S. EQUITY	Equities	464287127	878	17,782	SH		SOLE		17,782	0	0
ISHARES MSCI AUSTRALIA INDEX	Equities	464286103	3,066	144,508	SH		SOLE		144,508	0	0
ISHARES MSCI EAFE INDEX FD	Equities	464287465	712	12,713	SH		SOLE		12,713	0	0
ISHARES MSCI MEXICO INVESTABLE	Equities	464286822	1,008	22,787	SH		SOLE		22,787	0	0
ISHARES MSCI USA MINIMUM VOLATI	Equities	46429B697	610	9,234	SH		SOLE		9,234	0	0
ISHARES RUSSELL 1000 GROWTH IND	Equities	464287614	341	1,621	SH		SOLE		1,621	0	0
ISHARES RUSSELL 1000 VALUE INDE	Equities	464287598	200	1,470	SH		DFND		0	0	1,470
ISHARES RUSSELL 1000 VALUE INDE	Equities	464287598	363	2,673	SH		SOLE		2,673	0	0
ISHARES RUSSELL 2000 GROWTH IND	Equities	464287648	291	1,408	SH		SOLE		1,408	0	0
ISHARES RUSSELL 2000 GROWTH IND	Equities	464287648	36	173	SH		DFND		0	0	173
ISHARES RUSSELL 2000 INDEX	Equities	464287655	698	4,230	SH		SOLE		4,230	0	0
ISHARES RUSSELL 2000 VALUE INDE	Equities	464287630	496	3,850	SH		SOLE		3,850	0	0
ISHARES RUSSELL MID CAP GROWTH	Equities	464287481	487	6,203	SH		SOLE		6,203	0	0
ISHARES S&P 500 VAL IDX FD	Equities	464287408	541	4,212	SH		SOLE		4,212	0	0
ISHARES S&P GROWTH INDEX FD	Equities	464287309	1,301	22,486	SH		SOLE		22,486	0	0
ISHARES S&P MIDCAP 400 GROWTH I	Equities	464287606	366	5,806	SH		SOLE		5,806	0	0
ISHARES S&P MIDCAP 400 VALUE IN	Equities	464287705	1,539	17,099	SH		SOLE		17,099	0	0
ISHARES TRUST BARCLAYS 20 YEAR	Equities	464287432	398	3,887	SH		SOLE		3,887	0	0
ISHARES US PREFERRED STOCK	Equities	464288687	467	14,733	SH		SOLE		14,733	0	0
JABIL CIRCUIT INC	Equities	466313103	534	9,251	SH		DFND		0	0	9,251
JOHNSON & JOHNSON	Equities	478160104	1,628	9,966	SH		DFND		0	0	9,966
JOHNSON & JOHNSON	Equities	478160104	5,025	30,761	SH		SOLE		30,761	0	0
JP MORGAN CHASE	Equities	46625H100	4,428	42,368	SH		SOLE		42,368	0	0
JP MORGAN CHASE	Equities	46625H100	1,014	9,699	SH		DFND		0	0	9,699
Karyopharm Therapeutics Inc	Equities	48576U106	64	11,715	SH		DFND		0	0	11,715
KBR INC.	Equities	48242W106	641	14,825	SH		DFND		0	0	14,825
Kemper Corp	Equities	488401100	204	4,947	SH		DFND		0	0	4,947
KIRBY CORP.	Equities	497266106	296	4,872	SH		DFND		0	0	4,872
KKR & CO. INC. CLASS A	Equities	48251W104	233	5,409	SH		DFND		0	0	5,409
KLA CORP.	Equities	482480100	3,318	10,963	SH		SOLE		10,963	0	0
KLA CORP.	Equities	482480100	282	931	SH		DFND		0	0	931
Knight-Swift Transportation Hol	Equities	499049104	555	11,334	SH		DFND		0	0	11,334
LANDSTAR SYSTEMS INC	Equities	515098101	316	2,190	SH		DFND		0	0	2,190
Leslies Poolmart	Equities	527064109	298	20,235	SH		DFND		0	0	20,235
LINDE PLC	Equities	G5494J103	3,837	14,231	SH		SOLE		14,231	0	0
LINDE PLC	Equities	G5494J103	1,612	5,978	SH		DFND		0	0	5,978
LIVE NATION ENTERTAINMENT INC	Equities	538034109	409	5,380	SH		DFND		0	0	5,380
Livent Corp	Equities	53814L108	254	8,298	SH		DFND		0	0	8,298
LOCKHEED MARTIN CORPORATION	Equities	539830109	694	1,796	SH		DFND		0	0	1,796
LOWES COS INC	Equities	548661107	389	2,070	SH		DFND		0	0	2,070
LOWES COS INC	Equities	548661107	129	686	SH		SOLE		686	0	0
LPL FINANCIAL HOLDINGS INC.	Equities	50212V100	695	3,180	SH		DFND		0	0	3,180
LULULEMON ATHLETICA INC	Equities	550021109	357	1,276	SH		DFND		0	0	1,276
LUMENTUM HOLDINGS INC.	Equities	55024U109	229	3,333	SH		DFND		0	0	3,333
LYONDELLBASELL INDUSTRIES NV	Equities	N53745100	205	2,728	SH		DFND		0	0	2,728
Macom Tech Solutions Hldgs Inc	Equities	55405Y100	439	8,481	SH		DFND		0	0	8,481
Magnolia Oil & Gas Corp	Equities	559663109	242	12,217	SH		DFND		0	0	12,217
MARSH & MCLENNAN COMPANIES, INC	Equities	571748102	1,751	11,726	SH		DFND		0	0	11,726
MARSH & MCLENNAN COMPANIES, INC	Equities	571748102	3,410	22,844	SH		SOLE		22,844	0	0
Masonite International Corp	Equities	575385109	236	3,308	SH		DFND		0	0	3,308
Mastec Inc	Equities	576323109	375	5,909	SH		DFND		0	0	5,909
MASTERCARD INCORPORATED	Equities	57636Q104	85	300	SH		DFND		0	0	300
MASTERCARD INCORPORATED	Equities	57636Q104	3,176	11,169	SH		SOLE		11,169	0	0
MATTEL INC	Equities	577081102	698	36,857	SH		DFND		0	0	36,857
MCDONALDS	Equities	580135101	504	2,184	SH		SOLE		2,184	0	0
MCDONALDS	Equities	580135101	1,465	6,348	SH		DFND		0	0	6,348
MCKESSON CORP	Equities	58155Q103	585	1,720	SH		DFND		0	0	1,720
MCKESSON CORP	Equities	58155Q103	9	27	SH		SOLE		27	0	0
MEDTRONIC CORPORATION	Equities	G5960L103	1,561	19,330	SH		DFND		0	0	19,330
MEDTRONIC CORPORATION	Equities	G5960L103	28	349	SH		SOLE		349	0	0
MERCADOLIBRE INC.	Equities	58733R102	1,300	1,570	SH		DFND		0	0	1,570
MERCK & CO, INC. NEW	Equities	58933Y105	1,226	14,240	SH		DFND		0	0	14,240
MERCK & CO, INC. NEW	Equities	58933Y105	150	1,737	SH		SOLE		1,737	0	0
Mettler-Toledo International In	Equities	592688105	382	352	SH		DFND		0	0	352
MICROSOFT	Equities	594918104	6,215	26,686	SH		SOLE		26,686	0	0
MICROSOFT	Equities	594918104	2,773	11,908	SH		DFND		0	0	11,908
Modine Manufacturing Co	Equities	607828100	154	11,911	SH		DFND		0	0	11,911
Molina Healthcare Inc	Equities	60855R100	350	1,062	SH		DFND		0	0	1,062
MOLSON COORS	Equities	60871R209	269	5,608	SH		DFND		0	0	5,608
Monolithic Power Systems	Equities	609839105	217	596	SH		DFND		0	0	596
MORGAN STANLEY	Equities	617446448	60	763	SH		SOLE		763	0	0
MORGAN STANLEY	Equities	617446448	209	2,650	SH		DFND		0	0	2,650
MRC Global	Equities	55345K103	289	40,260	SH		DFND		0	0	40,260
Navigator Holdings	Equities	Y62132108	179	15,657	SH		DFND		0	0	15,657
NETFLIX INC.	Equities	64110L106	271	1,150	SH		DFND		0	0	1,150
NEXTERA ENERGY INC.	Equities	65339F101	4,248	54,175	SH		SOLE		54,175	0	0
NIKE, INC	Equities	654106103	1,744	20,980	SH		DFND		0	0	20,980
NIKE, INC	Equities	654106103	2,286	27,500	SH		SOLE		27,500	0	0
NMI Hldgs Inc	Equities	629209305	225	11,031	SH		DFND		0	0	11,031
NORTHERN TRUST CORPORATION	Equities	665859104	381	4,454	SH		DFND		0	0	4,454
NORTHROP GRUMMAN CORP.	Equities	666807102	2	5	SH		SOLE		5	0	0
NORTHROP GRUMMAN CORP.	Equities	666807102	1,652	3,513	SH		DFND		0	0	3,513
NOVO-NORDISK A/S (DENMARK)	Equities	670100205	432	4,332	SH		DFND		0	0	4,332
NOVOCURE LTD.	Equities	G6674U108	208	2,731	SH		DFND		0	0	2,731
NUCOR CORP	Equities	670346105	14	135	SH		SOLE		135	0	0
NUCOR CORP	Equities	670346105	197	1,845	SH		DFND		0	0	1,845
NVIDIA CORP	Equities	67066G104	975	8,030	SH		DFND		0	0	8,030
NVIDIA CORP	Equities	67066G104	35	288	SH		SOLE		288	0	0
ORACLE CORP	Equities	68389X105	956	15,659	SH		DFND		0	0	15,659
ORACLE CORP	Equities	68389X105	79	1,299	SH		SOLE		1,299	0	0
OUSTER INC	Equities	68989M103	11	11,643	SH		DFND		0	0	11,643
PACER BENCHMARK DATA & INFRASTR	Equities	69374H741	284	9,935	SH		SOLE		9,935	0	0
PACER US CASH COWS 100 ETF	Equities	69374H881	451	9,656	SH		SOLE		9,656	0	0
PACIRA PHARMACEUTICALS INC.	Equities	695127100	255	4,803	SH		DFND		0	0	4,803
Pactiv Evergreen Inc	Equities	69526K105	116	13,244	SH		DFND		0	0	13,244
PALO ALTO NETWORKS INC	Equities	697435105	1,864	3,774	SH		DFND		0	0	3,774
Paya Holdings Inc	Equities	70434P103	102	16,754	SH		DFND		0	0	16,754
Paycom Software Inc	Equities	70432V102	252	765	SH		DFND		0	0	765
PAYMENTUS HOLDINGS INC A	Equities	70439P108	118	12,100	SH		DFND		0	0	12,100
PEPSI CO	Equities	713448108	2,693	16,496	SH		SOLE		16,496	0	0
PEPSI CO	Equities	713448108	2,011	12,320	SH		DFND		0	0	12,320
Perdoceo Ed Corp	Equities	71363P106	196	19,015	SH		DFND		0	0	19,015
PERMIAN RESOURCES CORP CL A	Equities	71424F105	153	22,567	SH		DFND		0	0	22,567
PERRIGO COMPANY PLC IRELAND	Equities	G97822103	205	5,735	SH		DFND		0	0	5,735
PFIZER	Equities	717081103	453	10,360	SH		DFND		0	0	10,360
PFIZER	Equities	717081103	81	1,844	SH		SOLE		1,844	0	0
PHILIP MORRIS INTERNATIONAL, IN	Equities	718172109	4	50	SH		SOLE		50	0	0
PHILIP MORRIS INTERNATIONAL, IN	Equities	718172109	819	9,861	SH		DFND		0	0	9,861
PHILLIPS 66	Equities	718546104	709	8,778	SH		DFND		0	0	8,778
PHILLIPS 66	Equities	718546104	14	170	SH		SOLE		170	0	0
Physicians Realty Trust	Equities	71943U104	174	11,536	SH		DFND		0	0	11,536
Pimco Enhanced Short Maturity E	Equities	72201R833	644	6,516	SH		SOLE		6,516	0	0
Pinnacle Financial Partners Inc	Equities	72346Q104	210	2,589	SH		DFND		0	0	2,589
PIONEER NATURAL RESOURCES COMPA	Equities	723787107	40	186	SH		SOLE		186	0	0
PIONEER NATURAL RESOURCES COMPA	Equities	723787107	225	1,040	SH		DFND		0	0	1,040
Planet Fitness Inc Cl A	Equities	72703H101	410	7,103	SH		DFND		0	0	7,103
PNC BANK	Equities	693475105	142	951	SH		SOLE		951	0	0
PNC BANK	Equities	693475105	161	1,080	SH		DFND		0	0	1,080
POOL CORPORATION	Equities	73278L105	214	674	SH		SOLE		674	0	0
Popular Inc	Equities	733174700	249	3,454	SH		DFND		0	0	3,454
PROCTER & GAMBLE	Equities	742718109	2,866	22,702	SH		SOLE		22,702	0	0
PROCTER & GAMBLE	Equities	742718109	1,802	14,274	SH		DFND		0	0	14,274
QUALCOMM INC	Equities	747525103	15	136	SH		SOLE		136	0	0
QUALCOMM INC	Equities	747525103	430	3,810	SH		DFND		0	0	3,810
QUANTA SERVICES INC.	Equities	74762E102	465	3,652	SH		DFND		0	0	3,652
Radius Global Infrastructure In	Equities	750481103	162	17,162	SH		DFND		0	0	17,162
RAYMOND JAMES FINANCIAL	Equities	754730109	219	2,452	SH		DFND		0	0	2,452
RAYTHEON TECHNOLOGIES	Equities	75513E101	507	6,191	SH		DFND		0	0	6,191
RAYTHEON TECHNOLOGIES	Equities	75513E101	22	263	SH		SOLE		263	0	0
REGIONS FINL	Equities	7591EP100	10	521	SH		SOLE		521	0	0
REGIONS FINL	Equities	7591EP100	220	10,971	SH		DFND		0	0	10,971
REINSURANCE GROUP OF AMERICA, I	Equities	759351604	295	2,516	SH		DFND		0	0	2,516
REPLIGEN CORP.	Equities	759916109	243	1,100	SH		DFND		0	0	1,100
RESMED INC	Equities	761152107	430	2,050	SH		DFND		0	0	2,050
SCHWAB CORP	Equities	808513105	2,945	40,976	SH		SOLE		40,976	0	0
SCHWAB EMERGING MARKETS EQUITY	Equities	808524706	4,771	213,011	SH		SOLE		213,011	0	0
SCHWAB INTERNATIONAL EQUITY ETF	Equities	808524805	23,577	838,139	SH		SOLE		838,139	0	0
Schwab US Aggregate Bond ETF -	Equities	808524839	22,121	488,217	SH		SOLE		488,217	0	0
SCHWAB US DIVIDEND EQUITY	Equities	808524797	16,032	241,340	SH		DFND		241,340	0	0
SCHWAB US DIVIDEND EQUITY	Equities	808524797	1,203	18,117	SH		SOLE		18,117	0	0
SCHWAB US LARGE CAP	Equities	808524201	56,755	1,340,147	SH		DFND		1,340,147	0	0
SCHWAB US MID-CAP ETF	Equities	808524508	29,064	480,152	SH		DFND		480,152	0	0
SCHWAB US MID-CAP ETF	Equities	808524508	1,055	17,422	SH		SOLE		17,422	0	0
SCHWAB US REIT ETF	Equities	808524847	214	11,444	SH		SOLE		11,444	0	0
SCHWAB US SMALL CAP	Equities	808524607	19,379	512,664	SH		DFND		512,664	0	0
SCHWAB US SMALL CAP	Equities	808524607	163	4,313	SH		SOLE		4,313	0	0
SEAGEN INC.	Equities	81181C104	438	3,200	SH		DFND		0	0	3,200
SECTOR CNSMR SPDR	Equities	81369Y407	241	1,695	SH		SOLE		1,695	0	0
SECTOR SPDR ENERGY	Equities	81369Y506	363	5,039	SH		SOLE		5,039	0	0
ServiceNow Inc	Equities	81762P102	510	1,350	SH		DFND		0	0	1,350
SHARES S&P 500 PURE GROWTH PORT	Equities	46137V266	935	6,471	SH		SOLE		6,471	0	0
SHERWIN WILLIAMS CO.	Equities	824348106	173	846	SH		DFND		0	0	846
SHERWIN WILLIAMS CO.	Equities	824348106	1,388	6,778	SH		SOLE		6,778	0	0
SHOPIFY INC.	Equities	82509L107	787	29,200	SH		DFND		0	0	29,200
Signify Health	Equities	82671G100	239	8,189	SH		DFND		0	0	8,189
Silvergate Cap Corp Cl A	Equities	82837P408	554	7,350	SH		DFND		0	0	7,350
SM ENERGY CO	Equities	78454L100	436	11,602	SH		DFND		0	0	11,602
SNOWFLAKE ORD SHRS CLASS A	Equities	833445109	795	4,675	SH		DFND		0	0	4,675
SPDR Barclays High Yield Bond E	Equities	78468R622	411	4,675	SH		SOLE		4,675	0	0
SPDR BLMBG 1-10 YEARS TIPS ETF	Equities	78468R861	4,596	43,138	SH		SOLE		43,138	0	0
SPDR BLOOMBERG BARCLAYS 1 TO 3	Equities	78468R663	3,847	41,994	SH		SOLE		41,994	0	0
SPDR DOW JONES INDUST AVERAGE E	Equities	78467X109	390	1,359	SH		SOLE		1,359	0	0
SPDR GOLD TRGOLD SHS	Equities	78463V107	297	1,922	SH		SOLE		1,922	0	0
SPDR GOLD TRGOLD SHS	Equities	78463V107	3,702	23,935	SH		DFND		23,935	0	0
SPDR PORTFOLIO DEVELOPED WORLD	Equities	78463X889	505	19,566	SH		SOLE		19,566	0	0
SPDR PORTFOLIO EMERGING MARKETS	Equities	78463X509	237	7,622	SH		SOLE		7,622	0	0
SPDR Portfolio TIPS	Equities	78464A656	290	11,428	SH		SOLE		11,428	0	0
SPDR S&P 500	Equities	78462F103	5,563	15,575	SH		SOLE		15,575	0	0
SPDR S&P 500 GROWTH ETF	Equities	78464A409	2,205	44,012	SH		SOLE		44,012	0	0
SPDR S&P 600 SMALL CAP ETF	Equities	78464A813	421	5,569	SH		SOLE		5,569	0	0
SPDR S&P 600 Small Cap Growth E	Equities	78464A201	531	7,796	SH		SOLE		7,796	0	0
SPDR S&P 600 Small Cap Value ET	Equities	78464A300	413	6,151	SH		SOLE		6,151	0	0
SPDR S&P DIVIDEND ETF	Equities	78464A763	4,820	43,230	SH		SOLE		43,230	0	0
SPDR S&P Global Natural Resourc	Equities	78463X541	1,733	35,046	SH		SOLE		35,046	0	0
SPDR S&P MIDCAP 400	Equities	78467Y107	221	551	SH		SOLE		551	0	0
SPDR S&P Transportation ETF	Equities	78464A532	334	5,255	SH		SOLE		5,255	0	0
Sprout Social Inc	Equities	85209W109	862	14,200	SH		DFND		0	0	14,200
SQUARE INC.	Equities	852234103	427	7,770	SH		DFND		0	0	7,770
STANLEY BLACK & DECKER, INC.	Equities	854502101	321	4,269	SH		DFND		0	0	4,269
STARBUCKS CORP	Equities	855244109	2,956	35,083	SH		SOLE		35,083	0	0
Steris PLC	Equities	G8473T100	309	1,860	SH		DFND		0	0	1,860
Stifel Financial Corp	Equities	860630102	268	5,156	SH		DFND		0	0	5,156
STOCK YARDS BANCORP INC.	Equities	861025104	704	10,355	SH		SOLE		10,355	0	0
Stoneridge Inc	Equities	86183P102	217	12,788	SH		DFND		0	0	12,788
STRYKER CORP	Equities	863667101	1,530	7,552	SH		DFND		0	0	7,552
STRYKER CORP	Equities	863667101	2,515	12,418	SH		SOLE		12,418	0	0
Summit Materials Inc	Equities	86614U100	232	9,695	SH		DFND		0	0	9,695
Syneos Health Inc Cl A	Equities	87166B102	201	4,256	SH		DFND		0	0	4,256
SYNOPSYS INC	Equities	871607107	376	1,230	SH		DFND		0	0	1,230
SYNOVUS FINANCIAL CORPORATION N	Equities	87161C501	336	8,950	SH		DFND		0	0	8,950
TAIWAN SEMICONDUCTOR	Equities	874039100	3,877	56,543	SH		SOLE		56,543	0	0
TARGET CORP	Equities	87612E106	3,332	22,454	SH		SOLE		22,454	0	0
TECHNOLOGY SELECT SECTOR SPDR	Equities	81369Y803	461	3,879	SH		SOLE		3,879	0	0
TESLA MOTORS INC.	Equities	88160R101	3,030	11,425	SH		DFND		0	0	11,425
TEXAS INSTRUMENTS	Equities	882508104	87	560	SH		DFND		0	0	560
TEXAS INSTRUMENTS	Equities	882508104	3,151	20,356	SH		SOLE		20,356	0	0
THE TRADE DESK INC.	Equities	88339J105	2,076	34,752	SH		DFND		0	0	34,752
THERMO FISHER SCIENTIFIC INC	Equities	883556102	3,400	6,704	SH		SOLE		6,704	0	0
TJX COMPANIES	Equities	872540109	4,022	64,747	SH		SOLE		64,747	0	0
TJX COMPANIES	Equities	872540109	2,397	38,592	SH		DFND		0	0	38,592
Tortoise North American Pipelin	Equities	56167N720	319	13,797	SH		SOLE		13,797	0	0
TRAVELERS COMPANIES INC	Equities	89417E109	261	1,702	SH		DFND		0	0	1,702
TREX ORD SHS	Equities	89531P105	203	4,623	SH		DFND		0	0	4,623
TRUIST FINANCIAL CORP.	Equities	89832Q109	835	19,187	SH		SOLE		19,187	0	0
TRUIST FINANCIAL CORP.	Equities	89832Q109	126	2,890	SH		DFND		0	0	2,890
UBER TECHNOLOGIES INC.	Equities	90353T100	773	29,175	SH		DFND		0	0	29,175
ULTA BEAUTY INC.	Equities	90384S303	239	595	SH		DFND		0	0	595
UNION PACIFIC CORP	Equities	907818108	1,116	5,728	SH		DFND		0	0	5,728
UNION PACIFIC CORP	Equities	907818108	62	316	SH		SOLE		316	0	0
UNITED PARCEL SERVICE INC CL B	Equities	911312106	318	1,970	SH		DFND		0	0	1,970
UNITED PARCEL SERVICE INC CL B	Equities	911312106	1	6	SH		SOLE		6	0	0
UNITED RENTALS INC	Equities	911363109	365	1,350	SH		DFND		0	0	1,350
UNITEDHEALTH GROUP	Equities	91324P102	5,822	11,528	SH		SOLE		11,528	0	0
UNITEDHEALTH GROUP	Equities	91324P102	3,234	6,404	SH		DFND		0	0	6,404
UNITY SOFTWARE ORD SHS	Equities	91332U101	236	7,400	SH		DFND		0	0	7,400
US BANCORP	Equities	902973304	541	13,426	SH		DFND		0	0	13,426
US BANCORP	Equities	902973304	20	490	SH		SOLE		490	0	0
VALERO ENERGY CORPORATION	Equities	91913Y100	308	2,887	SH		DFND		0	0	2,887
VANECK BIOTECH ETF	Equities	92189F726	368	2,328	SH		SOLE		2,328	0	0
VANECK VECTORS FALLEN ANGEL HIY	Equities	92189F437	2,610	99,505	SH		SOLE		99,505	0	0
VANGUARD DIVIDEND APPRECIATION	Equities	921908844	585	4,327	SH		SOLE		4,327	0	0
VANGUARD DIVIDEND APPRECIATION	Equities	921908844	20,925	154,815	SH		DFND		154,815	0	0
Vanguard Emerging Mrkts Govt Bo	Equities	921946885	5,751	100,034	SH		DFND		100,034	0	0
Vanguard Emerging Mrkts Govt Bo	Equities	921946885	56	976	SH		SOLE		976	0	0
Vanguard Extended Duration Trs	Equities	921910709	656	7,569	SH		SOLE		7,569	0	0
VANGUARD FTSE ALL-WORLD EX-US E	Equities	922042775	466	10,513	SH		SOLE		10,513	0	0
VANGUARD FTSE DEVELOPED MARKETS	Equities	921943858	20,847	573,345	SH		SOLE		573,345	0	0
VANGUARD FTSE DEVELOPED MARKETS	Equities	921943858	19,057	524,127	SH		DFND		524,127	0	0
VANGUARD FTSE EMERGING MARKETS	Equities	922042858	9,713	266,196	SH		DFND		266,196	0	0
VANGUARD FTSE EMERGING MARKETS	Equities	922042858	10,274	281,554	SH		SOLE		281,554	0	0
VANGUARD GROWTH ETF	Equities	922908736	799	3,733	SH		SOLE		3,733	0	0
VANGUARD HEALTH CARE ETF	Equities	92204A504	875	3,911	SH		SOLE		3,911	0	0
VANGUARD INFORMATION TECHNOLOGY	Equities	92204A702	7,122	23,170	SH		SOLE		23,170	0	0
VANGUARD INTERMED TERM BOND ETF	Equities	921937819	70,071	953,605	SH		SOLE		953,605	0	0
VANGUARD INTERMEDIATE TERM GOVE	Equities	92206C706	17,676	303,133	SH		DFND		303,133	0	0
VANGUARD INTERMEDIATE-TERM CORP	Equities	92206C870	735	9,710	SH		SOLE		9,710	0	0
VANGUARD INTERMEDIATE-TERM CORP	Equities	92206C870	15,299	202,148	SH		DFND		202,148	0	0
VANGUARD INTL DIV APPREC ETF	Equities	921946810	7,568	122,089	SH		DFND		122,089	0	0
VANGUARD LARGE CAP ETF	Equities	922908637	4,150	25,373	SH		SOLE		25,373	0	0
VANGUARD LONG TERM GOVERNMENT B	Equities	92206C847	4,812	76,454	SH		DFND		76,454	0	0
VANGUARD LONG-TERM CORPORATE BO	Equities	92206C813	4,322	59,012	SH		DFND		59,012	0	0
Vanguard Mega Cap Growth ETF	Equities	921910816	3,103	17,804	SH		SOLE		17,804	0	0
VANGUARD MID CAP ETF	Equities	922908629	27,605	146,850	SH		SOLE		146,850	0	0
VANGUARD MID CAP VALUE ETF	Equities	922908512	910	7,477	SH		SOLE		7,477	0	0
VANGUARD MORTGAGE-BACKED SECS E	Equities	92206C771	12,718	282,069	SH		DFND		282,069	0	0
VANGUARD MORTGAGE-BACKED SECS E	Equities	92206C771	35	767	SH		SOLE		767	0	0
VANGUARD REAL ESTATE ETF	Equities	922908553	1,420	17,713	SH		SOLE		17,713	0	0
VANGUARD S&P 500	Equities	922908363	144,908	441,390	SH		SOLE		441,390	0	0
Vanguard S&P Small-Cap 600 Inde	Equities	921932828	236	1,259	SH		SOLE		1,259	0	0
VANGUARD SHORT-TERM CORP BD IDX	Equities	92206C409	2,196	29,570	SH		DFND		29,570	0	0
VANGUARD SHORT-TERM CORP BD IDX	Equities	92206C409	88	1,186	SH		SOLE		1,186	0	0
Vanguard Shrt-Term Infl-Prot Se	Equities	922020805	3,764	78,242	SH		DFND		78,242	0	0
Vanguard Shrt-Term Infl-Prot Se	Equities	922020805	1,043	21,689	SH		SOLE		21,689	0	0
VANGUARD SMALL CAP ETF	Equities	922908751	33,218	194,362	SH		SOLE		194,362	0	0
VANGUARD SMALL CAP GROWTH ETF	Equities	922908595	1,002	5,133	SH		SOLE		5,133	0	0
VANGUARD SMALL CAP VALUE ETF	Equities	922908611	610	4,254	SH		SOLE		4,254	0	0
VANGUARD ST BOND ETF	Equities	921937827	448	5,991	SH		SOLE		5,991	0	0
VANGUARD TOTAL BOND MARKET ETF	Equities	921937835	1,952	27,371	SH		SOLE		27,371	0	0
VANGUARD TOTAL INTERNATIONAL BO	Equities	92203J407	4,867	101,973	SH		DFND		101,973	0	0
VANGUARD TOTAL INTERNATIONAL BO	Equities	92203J407	418	8,764	SH		SOLE		8,764	0	0
Vanguard Total World Stock Inde	Equities	922042742	1,032	13,088	SH		SOLE		13,088	0	0
VANGUARD UTILITIES ETF	Equities	92204A876	201	1,411	SH		SOLE		1,411	0	0
VANGUARD VALUE ETF	Equities	922908744	3,844	31,133	SH		SOLE		31,133	0	0
VEEVA SYSTEMS INC CLASS A	Equities	922475108	681	4,133	SH		DFND		0	0	4,133
Vertiv Hldg Co Class A	Equities	92537N108	266	27,402	SH		DFND		0	0	27,402
VG EXT MKT VIPERS	Equities	922908652	614	4,830	SH		SOLE		4,830	0	0
VG TOTL STK VPRS	Equities	922908769	3,004	16,740	SH		SOLE		16,740	0	0
VISA INC	Equities	92826C839	1,865	10,499	SH		DFND		0	0	10,499
VISA INC	Equities	92826C839	2,948	16,592	SH		SOLE		16,592	0	0
WALMART INC.	Equities	931142103	446	3,436	SH		SOLE		3,436	0	0
WALT DISNEY	Equities	254687106	3,206	33,991	SH		SOLE		33,991	0	0
WASTE CONNECTIONS INC.	Equities	94106B101	218	1,613	SH		DFND		0	0	1,613
Webster Financial Corp	Equities	947890109	221	4,882	SH		DFND		0	0	4,882
WELLS FARGO & CO	Equities	949746101	588	14,623	SH		DFND		0	0	14,623
WELLS FARGO & CO	Equities	949746101	33	811	SH		SOLE		811	0	0
WILLIAMS SONOMA	Equities	969904101	276	2,486	SH		DFND		0	0	2,486
Willscot Mobile Mini Hldgs Corp	Equities	971378104	300	7,439	SH		DFND		0	0	7,439
Wingstop Inc	Equities	974155103	392	3,123	SH		DFND		0	0	3,123
WINTRUST FINL CORP	Equities	97650W108	405	5,052	SH		DFND		0	0	5,052
WisdomTree US MidCap Earnings E	Equities	97717W570	391	8,896	SH		SOLE		8,896	0	0
WOLFSPEED INC	Equities	977852102	748	7,241	SH		DFND		0	0	7,241
Workiva Inc	Equities	98139A105	208	2,674	SH		DFND		0	0	2,674
WR BERKLEY CORP.	Equities	084423102	478	7,394	SH		DFND		0	0	7,394
XPO LOGISTICS INC.	Equities	983793100	415	9,316	SH		DFND		0	0	9,316
ZILLOW INC.	Equities	98954M200	360	12,600	SH		DFND		0	0	12,600
ZIONS BANCORPORATION NA	Equities	989701107	229	4,498	SH		DFND		0	0	4,498
ZUORA INC. CL A	Equities	98983V106	81	10,908	SH		DFND		0	0	10,908