United Community Bank 13F-HR Quarterly holdings report by institutional manager

The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE

OMB APPROVAL

OMB Number:		3235-0006
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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
APPLE INC COM	COMMON STOCK	037833100	4,967,331	19,836	SH		DFND	1	19,836	0	0
ABBVIE INC COM	COMMON STOCK	00287Y109	1,055,893	5,942	SH		DFND	1	5,942	0	0
ABBOTT LABORATORIES	COMMON STOCK	002824100	21,491	190	SH		DFND	1	190	0	0
ACCENTURE PLC IRELAND SHS CLASS A COM	NON US EQUITY	G1151C101	727,854	2,069	SH		DFND	1	2,069	0	0
ADOBE INC COM	COMMON STOCK	00724F101	1,055,226	2,373	SH		DFND	1	2,373	0	0
ARCHER DANIELS MIDLAND CO COM	COMMON STOCK	039483102	5,052	100	SH		DFND	1	100	0	0
AUTOMATIC DATA PROCESSING INC	COMMON STOCK	053015103	1,474,188	5,036	SH		DFND	1	5,036	0	0
AUTODESK INCORPORATED	COMMON STOCK	052769106	419,709	1,420	SH		DFND	1	1,420	0	0
AGNICO EAGLE MINES LTD COM	NON US EQUITY	008474108	198,028	2,532	SH		DFND	1	2,532	0	0
AMERICAN ELECTRIC POWER CO INC COM	COMMON STOCK	025537101	1,895,788	20,555	SH		DFND	1	20,555	0	0
ISHARES CORE TOTAL US AGGREGATE BOND ETF	EXCHANGE-TRADED-FUND	464287226	1,824,821	18,832	SH		DFND	1	18,832	0	0
ALLSTATE CORP COM	COMMON STOCK	020002101	48,583	252	SH		DFND	1	252	0	0
APPLIED MATERIALS INC	COMMON STOCK	038222105	739,316	4,546	SH		DFND	1	4,546	0	0
ADVANCED MICRO DEVICES INC COM	COMMON STOCK	007903107	124,051	1,027	SH		DFND	1	1,027	0	0
AMGEN INC	COMMON STOCK	031162100	2,346	9	SH		DFND	1	9	0	0
AMERIPRISE FINANCIAL INC	COMMON STOCK	03076C106	181,559	341	SH		DFND	1	341	0	0
AMAZON.COM INC	COMMON STOCK	023135106	2,916,351	13,293	SH		DFND	1	13,293	0	0
ISHARES TR CONSER ALLOC ETF	EXCHANGE-TRADED-FUND	464289883	53,153	1,425	SH		DFND	1	1,425	0	0
ISHARES CORE MODERATE ALLOCATION ETF	EXCHANGE-TRADED-FUND	464289875	21,720	500	SH		DFND	1	500	0	0
AIR PRODUCTS & CHEMICALS INC	COMMON STOCK	009158106	345,148	1,190	SH		DFND	1	1,190	0	0
APPLOVIN CORP COM CL A	COMMON STOCK	03831W108	529,462	1,635	SH		DFND	1	1,635	0	0
APTIV PLC COM SHS	NON US EQUITY	G3265R107	127,673	2,111	SH		DFND	1	2,111	0	0
BROADCOM INC COM	COMMON STOCK	11135F101	1,257,732	5,425	SH		DFND	1	5,425	0	0
AMERICAN EXPRESS CO	COMMON STOCK	025816109	950,915	3,204	SH		DFND	1	3,204	0	0
BANK OF AMERICA CORP	COMMON STOCK	060505104	530,960	12,081	SH		DFND	1	12,081	0	0
BAXTER INTL INC COM	COMMON STOCK	071813109	29,160	1,000	SH		DFND	1	1,000	0	0
VANECK ETF TRUST BIOTECH ETF	EXCHANGE-TRADED-FUND	92189F726	214,892	1,369	SH		DFND	1	1,369	0	0
FRANKLIN RESOURCES INC COM	COMMON STOCK	354613101	230,799	11,375	SH		DFND	1	11,375	0	0
BLACKROCK CORE BOND TRUST	EXCHANGE-TRADED-FUND	09249E101	8,368	800	SH		DFND	1	800	0	0
SPDR SER TR BLOOMBERG 1-3 MO	EXCHANGE-TRADED-FUND	78468R663	415,458	4,544	SH		DFND	1	4,544	0	0
VANGUARD INTERMEDIATE TERM BD ETF	EXCHANGE-TRADED-FUND	921937819	165,452	2,214	SH		DFND	1	2,214	0	0
BOOKING HLDGS INC COM	COMMON STOCK	09857L108	1,093,052	220	SH		DFND	1	220	0	0
BLACKROCK INC COM	COMMON STOCK	09290D101	971,804	948	SH		DFND	1	948	0	0
BRISTOL-MYERS SQUIBB CO	COMMON STOCK	110122108	875,549	15,480	SH		DFND	1	15,480	0	0
VANGUARD TOTAL BOND MARKET ETF	EXCHANGE-TRADED-FUND	921937835	14,885	207	SH		DFND	1	207	0	0
BP PLC SPONSORED ADR	ADR / IDR / GDR	055622104	272,898	9,232	SH		DFND	1	9,232	0	0
BROADRIDGE FINANCIAL SOLUTIONS	COMMON STOCK	11133T103	101,514	449	SH		DFND	1	449	0	0
BERKSHIRE HATHAWAY INC DEL CL B NEW COM	COMMON STOCK	084670702	31,958,960	70,506	SH		DFND	1	70,506	0	0
INVESCO EXCH TRD SLF IDX FD TR ETF	EXCHANGE-TRADED-FUND	46138J825	119,770	5,800	SH		DFND	1	5,800	0	0
INVESCO EXCH TRD SLF IDX FD TR ETF	EXCHANGE-TRADED-FUND	46138J791	106,865	5,500	SH		DFND	1	5,500	0	0
INVESCO EXCH TRD SLF IDX FD TR ETF	EXCHANGE-TRADED-FUND	46138J783	107,140	5,500	SH		DFND	1	5,500	0	0
INVESCO EXCH TRD SLF IDX FD TR ETF	EXCHANGE-TRADED-FUND	46138J643	110,715	5,500	SH		DFND	1	5,500	0	0
INVESCO EXCH TRD SLF IDX FD TR ETF	EXCHANGE-TRADED-FUND	46138J577	100,870	5,500	SH		DFND	1	5,500	0	0
INVESCO EXCH TRD SLF IDX FD TR ETF	EXCHANGE-TRADED-FUND	46138J460	90,035	5,500	SH		DFND	1	5,500	0	0
INVESCO EXCH TRD SLF IDX FD TR ETF	EXCHANGE-TRADED-FUND	46138J635	51,205	2,200	SH		DFND	1	2,200	0	0
INVESCO EXCH TRD SLF IDX FD TR ETF	EXCHANGE-TRADED-FUND	46138J585	49,280	2,200	SH		DFND	1	2,200	0	0
BLACKROCK SCIENCE & TECHNOLOGY SHS BEN I	EXCHANGE-TRADED-FUND	09260K101	16,257	785	SH		DFND	1	785	0	0
SPDR SER TR BLOOMBERG INTL T	EXCHANGE-TRADED-FUND	78464A516	114,522	5,354	SH		DFND	1	5,354	0	0
CITIGROUP INC	COMMON STOCK	172967424	240,734	3,420	SH		DFND	1	3,420	0	0
CACI INTERNATIONAL INC CL A	COMMON STOCK	127190304	134,148	332	SH		DFND	1	332	0	0
PACER FDS TR PACER US SMALL ETF	EXCHANGE-TRADED-FUND	69374H857	105,844	2,405	SH		DFND	1	2,405	0	0
CARRIER GLOBAL CORPORATION COM	COMMON STOCK	14448C104	40,956	600	SH		DFND	1	600	0	0
CASEY'S GENERAL STORES INC	COMMON STOCK	147528103	128,775	325	SH		DFND	1	325	0	0
CATERPILLAR INC COM	COMMON STOCK	149123101	2,782,732	7,671	SH		DFND	1	7,671	0	0
CHUBB LIMITED	NON US EQUITY	H1467J104	187,331	678	SH		DFND	1	678	0	0
CBRE GROUP INC	COMMON STOCK	12504L109	455,445	3,469	SH		DFND	1	3,469	0	0
CELANESE CORP DEL COM	COMMON STOCK	150870103	40,695	588	SH		DFND	1	588	0	0
INVESCO ETF TR II S&P GBL WATER	EXCHANGE-TRADED-FUND	46138E263	79,945	1,475	SH		DFND	1	1,475	0	0
CHURCHILL DOWNS INCORPORATED	COMMON STOCK	171484108	197,639	1,480	SH		DFND	1	1,480	0	0
CHECK POINT SOFTWARE TECHNOLOGIES LTD	COMMON STOCK	M22465104	526,494	2,820	SH		DFND	1	2,820	0	0
THE CIGNA GROUP COM	COMMON STOCK	125523100	210,143	761	SH		DFND	1	761	0	0
CHINA STL CORP SPON ADR	ADR / IDR / GDR	169417102	12	1	SH		DFND	1	1	0	0
COLGATE-PALMOLIVE CO	COMMON STOCK	194162103	276,366	3,040	SH		DFND	1	3,040	0	0
COMCAST CORP CL A (NEW)	COMMON STOCK	20030N101	780,174	20,788	SH		DFND	1	20,788	0	0
CME GROUP INC	COMMON STOCK	12572Q105	37,157	160	SH		DFND	1	160	0	0
CHIPOTLE MEXICAN GRILL INC CL A	COMMON STOCK	169656105	9,045	150	SH		DFND	1	150	0	0
CUMMINS INC	COMMON STOCK	231021106	142,577	409	SH		DFND	1	409	0	0
CONOCOPHILLIPS	COMMON STOCK	20825C104	291,758	2,942	SH		DFND	1	2,942	0	0
CENCORA INC COM	COMMON STOCK	03073E105	377,238	1,679	SH		DFND	1	1,679	0	0
COSTCO WHOLESALE CORP	COMMON STOCK	22160K105	1,851,782	2,021	SH		DFND	1	2,021	0	0
PACER FDS TR US CASH COWS 100 ETF	EXCHANGE-TRADED-FUND	69374H881	119,173	2,110	SH		DFND	1	2,110	0	0
SALESFORCE INC COM	COMMON STOCK	79466L302	1,016,363	3,040	SH		DFND	1	3,040	0	0
CISCO SYSTEMS INC	COMMON STOCK	17275R102	3,221,013	54,409	SH		DFND	1	54,409	0	0
CSX CORP	COMMON STOCK	126408103	1,035,609	32,092	SH		DFND	1	32,092	0	0
COGNIZANT TECH SOLUTIONS	COMMON STOCK	192446102	98,586	1,282	SH		DFND	1	1,282	0	0
CORTEVA INC COM	COMMON STOCK	22052L104	84,301	1,480	SH		DFND	1	1,480	0	0
CVS HEALTH CORP COM	COMMON STOCK	126650100	213,183	4,749	SH		DFND	1	4,749	0	0
CHEVRON CORP NEW COM	COMMON STOCK	166764100	3,341,604	23,071	SH		DFND	1	23,071	0	0
SPDR SER TR BLOOMBERG CONV	EXCHANGE-TRADED-FUND	78464A359	170,423	2,188	SH		DFND	1	2,188	0	0
DELTA AIR LINES INC	COMMON STOCK	247361702	313,693	5,185	SH		DFND	1	5,185	0	0
DARLING INGREDIENTS INC	COMMON STOCK	237266101	12,802	380	SH		DFND	1	380	0	0
DUPONT DE NEMOURS INC COM	COMMON STOCK	26614N102	109,724	1,439	SH		DFND	1	1,439	0	0
DECKERS OUTDOOR CORP	COMMON STOCK	243537107	149,068	734	SH		DFND	1	734	0	0
WISDOMTREE TR EMER MKT HIGH FD	EXCHANGE-TRADED-FUND	97717W315	17,208	425	SH		DFND	1	425	0	0
DIAGEO PLC SPONSORED ADR	ADR / IDR / GDR	25243Q205	586,069	4,610	SH		DFND	1	4,610	0	0
WISDOMTREE TR US SMALLCAP DIVD	EXCHANGE-TRADED-FUND	97717W604	22,740	662	SH		DFND	1	662	0	0
WISDOMTREE TR US QTLY DIV GRT ETF	EXCHANGE-TRADED-FUND	97717X669	28,649	354	SH		DFND	1	354	0	0
D R HORTON INC COM	COMMON STOCK	23331A109	143,595	1,027	SH		DFND	1	1,027	0	0
DANAHER CORPORATION COM	COMMON STOCK	235851102	551,609	2,403	SH		DFND	1	2,403	0	0
NUVEEN DOW 30SM DYNAMIC OVERWRITE FUND	EXCHANGE-TRADED-FUND	67075F105	38,403	2,550	SH		DFND	1	2,550	0	0
DISNEY WALT CO COM	COMMON STOCK	254687106	1,014,064	9,107	SH		DFND	1	9,107	0	0
DICKS SPORTING GOODS INC	COMMON STOCK	253393102	209,389	915	SH		DFND	1	915	0	0
DIGITAL REALTY TRUST INC	COMMON STOCK	253868103	295,432	1,666	SH		DFND	1	1,666	0	0
WISDOMTREE TR US MIDCAP DIVID ETF	EXCHANGE-TRADED-FUND	97717W505	15,852	311	SH		DFND	1	311	0	0
DOW INC COM	COMMON STOCK	260557103	961,114	23,950	SH		DFND	1	23,950	0	0
DARDEN RESTAURANTS INC COM	COMMON STOCK	237194105	3,323,642	17,803	SH		DFND	1	17,803	0	0
DTE ENERGY CO COM	COMMON STOCK	233331107	81,748	677	SH		DFND	1	677	0	0
DUKE ENERGY CORP NEW COM NEW	COMMON STOCK	26441C204	733,278	6,806	SH		DFND	1	6,806	0	0
ISHARES SELECT DIVIDEND ETF	EXCHANGE-TRADED-FUND	464287168	695,837	5,300	SH		DFND	1	5,300	0	0
EBAY INC	COMMON STOCK	278642103	159,583	2,576	SH		DFND	1	2,576	0	0
SPDR SER TR BLOOMBERG EMERGI	NON US EQUITY	78464A391	98	5	SH		DFND	1	5	0	0
ECOLAB INC COM	COMMON STOCK	278865100	190,971	815	SH		DFND	1	815	0	0
CONSOLIDATED EDISON INC	COMMON STOCK	209115104	53,538	600	SH		DFND	1	600	0	0
ISHARES MSCI EMERGING MARKETS ETF	EXCHANGE-TRADED-FUND	464287234	10,831	259	SH		DFND	1	259	0	0
ISHARES MSCI EAFE ETF	EXCHANGE-TRADED-FUND	464287465	9,130,361	120,756	SH		DFND	1	120,756	0	0
E L F BEAUTY INC COM	COMMON STOCK	26856L103	98,557	785	SH		DFND	1	785	0	0
ELEVANCE HEALTH INC COM	COMMON STOCK	036752103	649,264	1,760	SH		DFND	1	1,760	0	0
VANECK VECTORS J.P. MORGAN ETF	EXCHANGE-TRADED-FUND	92189H300	1,895	82	SH		DFND	1	82	0	0
EMERSON ELEC CO COM	COMMON STOCK	291011104	632,911	5,107	SH		DFND	1	5,107	0	0
ENBRIDGE INC COM	NON US EQUITY	29250N105	2,401,411	56,597	SH		DFND	1	56,597	0	0
EOG RESOURCES INC	COMMON STOCK	26875P101	247,366	2,018	SH		DFND	1	2,018	0	0
ENERGY TRANSFER LP COM UT LTD PTN	COMMON STOCK	29273V100	35,027	1,788	SH		DFND	1	1,788	0	0
EATON CORP PLC	NON US EQUITY	G29183103	281,426	848	SH		DFND	1	848	0	0
ISHARES MSCI HONG KONG ETF	EXCHANGE-TRADED-FUND	464286871	6,681	401	SH		DFND	1	401	0	0
FASTENAL CO	COMMON STOCK	311900104	97,007	1,349	SH		DFND	1	1,349	0	0
FORTUNE BRANDS INNOVATIONS INC COM	COMMON STOCK	34964C106	109,328	1,600	SH		DFND	1	1,600	0	0
FOUR CORNERS PROPERTY TRUST INC	COMMON STOCK	35086T109	71,867	2,648	SH		DFND	1	2,648	0	0
FEDEX CORP	COMMON STOCK	31428X106	7,033	25	SH		DFND	1	25	0	0
FIDELITY COVINGTON TRUST MSCI HLTH CARE	EXCHANGE-TRADED-FUND	316092600	66,200	1,013	SH		DFND	1	1,013	0	0
FISERV INC COM	COMMON STOCK	337738108	1,115,225	5,429	SH		DFND	1	5,429	0	0
SPDR SER TR BLOOMBERG INVT	EXCHANGE-TRADED-FUND	78468R200	3,499,194	113,869	SH		DFND	1	113,869	0	0
THE FIDELITY MSCI FINANCIALS INDEX ETF	EXCHANGE-TRADED-FUND	316092501	39,972	582	SH		DFND	1	582	0	0
SCHWAB STRATEGIC TR SCHWAB FDT US SC	EXCHANGE-TRADED-FUND	808524763	2,257	76	SH		DFND	1	76	0	0
SCHWAB STRATEGIC TR SCHWB FDT INT SC ETF	EXCHANGE-TRADED-FUND	808524748	683	20	SH		DFND	1	20	0	0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG	EXCHANGE-TRADED-FUND	808524730	87	3	SH		DFND	1	3	0	0
SCHWAB FUNDAMENTAL INTL L/C ETF	EXCHANGE-TRADED-FUND	808524755	33	1	SH		DFND	1	1	0	0
SCHWAB STRATEGIC TR SCHWAB FDT US ETF	EXCHANGE-TRADED-FUND	808524771	3,694	156	SH		DFND	1	156	0	0
FRANCO-NEVADA CORP	NON US EQUITY	351858105	97,600	830	SH		DFND	1	830	0	0
FEDERAL RLTY INVT TR NEW 5 percent CUM PFD C	PREFERRED STOCK	313745200	12,906	600	SH		DFND	1	600	0	0
FIDELITY COVINGTON TR MSCI INFO ETF CL I	EXCHANGE-TRADED-FUND	316092808	137,736	745	SH		DFND	1	745	0	0
FORTINET INC	COMMON STOCK	34959E109	97,220	1,029	SH		DFND	1	1,029	0	0
GOLDMAN SACHS ETF TR ACCES TREASURY ETF	EXCHANGE-TRADED-FUND	381430529	295,264	2,955	SH		DFND	1	2,955	0	0
GENERAL DYNAMICS CORP	COMMON STOCK	369550108	286,414	1,087	SH		DFND	1	1,087	0	0
VANECK VECTORS GOLD MINERS ETF	EXCHANGE-TRADED-FUND	92189F106	16,955	500	SH		DFND	1	500	0	0
GE AEROSPACE COM NEW	COMMON STOCK	369604301	18,680	112	SH		DFND	1	112	0	0
GE HEALTHCARE TECHNOLOGIES INC COM	COMMON STOCK	36266G107	86,545	1,107	SH		DFND	1	1,107	0	0
GE VERNOVA LLC COM	COMMON STOCK	36828A101	9,210	28	SH		DFND	1	28	0	0
GILEAD SCIENCES INC COM	COMMON STOCK	375558103	566,505	6,133	SH		DFND	1	6,133	0	0
GENERAL MILLS INC	COMMON STOCK	370334104	2,410,506	37,800	SH		DFND	1	37,800	0	0
SPDR GOLD TRUST ETF	EXCHANGE-TRADED-FUND	78463V107	759,320	3,136	SH		DFND	1	3,136	0	0
GENERAL MOTORS CORP	COMMON STOCK	37045V100	533	10	SH		DFND	1	10	0	0
ALPHABET INC CAP STK CL C	COMMON STOCK	02079K107	1,427,729	7,497	SH		DFND	1	7,497	0	0
ALPHABET INC CL A	COMMON STOCK	02079K305	1,757,083	9,282	SH		DFND	1	9,282	0	0
GENUINE PARTS CO	COMMON STOCK	372460105	41,683	357	SH		DFND	1	357	0	0
GRAPHIC PACKAGING HOLDING COMPANY	COMMON STOCK	388689101	122,763	4,520	SH		DFND	1	4,520	0	0
WW GRAINGER INC	COMMON STOCK	384802104	163,378	155	SH		DFND	1	155	0	0
HALLIBURTON CO COM	COMMON STOCK	406216101	10,332	380	SH		DFND	1	380	0	0
HASBRO INC	COMMON STOCK	418056107	16,773	300	SH		DFND	1	300	0	0
DBX ETF TR XTRACK INTL REAL ETF	EXCHANGE-TRADED-FUND	233051846	20	1	SH		DFND	1	1	0	0
HUNTINGTON BANCSHARES INC	COMMON STOCK	446150104	22,290	1,370	SH		DFND	1	1,370	0	0
HOME DEPOT INC	COMMON STOCK	437076102	2,137,889	5,496	SH		DFND	1	5,496	0	0
WISDOMTREE EUROPE HEDGED EQU ETF	EXCHANGE-TRADED-FUND	97717X701	51,590	1,180	SH		DFND	1	1,180	0	0
HONEYWELL INTERNATIONAL INC	COMMON STOCK	438516106	370,008	1,638	SH		DFND	1	1,638	0	0
HEWLETT PACKARD ENTERPRISE COMPANY	COMMON STOCK	42824C109	2,135	100	SH		DFND	1	100	0	0
HP INC COM	COMMON STOCK	40434L105	1,873,321	57,411	SH		DFND	1	57,411	0	0
HERSHEY CO/THE	COMMON STOCK	427866108	55,886	330	SH		DFND	1	330	0	0
HUBBELL INCORPORATED	COMMON STOCK	443510607	136,139	325	SH		DFND	1	325	0	0
DBX ETF TR XTRACK USD HIGH	EXCHANGE-TRADED-FUND	233051432	722	20	SH		DFND	1	20	0	0
ISHARES GOLD TR ISHARES NEW ETF	EXCHANGE-TRADED-FUND	464285204	2,652,152	53,568	SH		DFND	1	53,568	0	0
ISHARES TR IBONDS DEC25 ETF	EXCHANGE-TRADED-FUND	46434VBD1	224,273	8,953	SH		DFND	1	8,953	0	0
ISHARES TR IBONDS DEC ETF	EXCHANGE-TRADED-FUND	46435GAA0	43,928	1,825	SH		DFND	1	1,825	0	0
INTERNATIONAL BUSINESS MACHS COM	COMMON STOCK	459200101	1,106,844	5,035	SH		DFND	1	5,035	0	0
ISHARES TR INTL SEL DIV ETF	EXCHANGE-TRADED-FUND	464288448	51,584	1,884	SH		DFND	1	1,884	0	0
iSHARES CORE MSCI EAFE ETF	EXCHANGE-TRADED-FUND	46432F842	17,992	256	SH		DFND	1	256	0	0
ISHARES TR 3 7 YR TREAS BD	EXCHANGE-TRADED-FUND	464288661	15,599	135	SH		DFND	1	135	0	0
ISHARES INC CORE MSCI EMKT	EXCHANGE-TRADED-FUND	46434G103	1,306	25	SH		DFND	1	25	0	0
INTERNATIONAL FLAVORS & FRAGRANCES INC	COMMON STOCK	459506101	78,209	925	SH		DFND	1	925	0	0
ISHARES S&P NORTH AMERICAN TECHNOLOGY	EXCHANGE-TRADED-FUND	464287549	73,505	720	SH		DFND	1	720	0	0
ISHARES TR ISHS 1-5YR INVS ETF	EXCHANGE-TRADED-FUND	464288646	2,378,355	46,003	SH		DFND	1	46,003	0	0
ISHARES NORTH AMERICAN TECH-SOFTWARE ETF	EXCHANGE-TRADED-FUND	464287515	1,426,410	14,247	SH		DFND	1	14,247	0	0
ISHARES CORE S&P MIDCAP ETF	EXCHANGE-TRADED-FUND	464287507	4,268,671	68,507	SH		DFND	1	68,507	0	0
ISHARES S&P MID CAP 400 VALUE ETF	EXCHANGE-TRADED-FUND	464287705	328,395	2,628	SH		DFND	1	2,628	0	0
iSHARES S&P MIDCAP GROWTH INDEX	EXCHANGE-TRADED-FUND	464287606	623,871	6,861	SH		DFND	1	6,861	0	0
ISHARES CORE S&P SMALL CAP ETF	EXCHANGE-TRADED-FUND	464287804	2,181,921	18,937	SH		DFND	1	18,937	0	0
ISHARES S&P SMALL CAP 600 GROWTH ETF	EXCHANGE-TRADED-FUND	464287887	221,465	1,636	SH		DFND	1	1,636	0	0
INCYTE CORP	COMMON STOCK	45337C102	113,896	1,649	SH		DFND	1	1,649	0	0
INGREDION INC	COMMON STOCK	457187102	22,010	160	SH		DFND	1	160	0	0
INTEL CORP	COMMON STOCK	458140100	61,854	3,085	SH		DFND	1	3,085	0	0
INTUIT INC	COMMON STOCK	461202103	223,118	355	SH		DFND	1	355	0	0
INTERNATIONAL PAPER CO COM	COMMON STOCK	460146103	199,834	3,713	SH		DFND	1	3,713	0	0
IQVIA HLDGS INC COM	COMMON STOCK	46266C105	688,178	3,502	SH		DFND	1	3,502	0	0
ISHARES S&P 500 VALUE ETF	EXCHANGE-TRADED-FUND	464287408	301,590	1,580	SH		DFND	1	1,580	0	0
ISHARES TR CORE S&P500 ETF	EXCHANGE-TRADED-FUND	464287200	16,332,338	27,744	SH		DFND	1	27,744	0	0
ISHARES S&P 500 GROWTH ETF	EXCHANGE-TRADED-FUND	464287309	335,658	3,306	SH		DFND	1	3,306	0	0
INVESCO LTD	NON US EQUITY	G491BT108	71,074	4,066	SH		DFND	1	4,066	0	0
ISHARES RUSSELL 1000 VALUE ETF	EXCHANGE-TRADED-FUND	464287598	91,084	492	SH		DFND	1	492	0	0
ISHARES RUSSELL 1000 GROWTH ETF	EXCHANGE-TRADED-FUND	464287614	144,569	360	SH		DFND	1	360	0	0
ISHARES RUSSELL 2000 ETF	EXCHANGE-TRADED-FUND	464287655	582,451	2,636	SH		DFND	1	2,636	0	0
ISHARES RUSSELL 2000 VALUE ETF	EXCHANGE-TRADED-FUND	464287630	44,818	273	SH		DFND	1	273	0	0
ISHARES RUSSELL 2000 GROWTH ETF	EXCHANGE-TRADED-FUND	464287648	111,386	387	SH		DFND	1	387	0	0
ISHARES RUSSELL MIDCAP GROWTH ETF	EXCHANGE-TRADED-FUND	464287481	18,886	149	SH		DFND	1	149	0	0
ISHARES RUSSELL MIDCAP ETF	EXCHANGE-TRADED-FUND	464287499	317,886	3,596	SH		DFND	1	3,596	0	0
ISHARES RUSSELL MIDCAP VALUE ETF	EXCHANGE-TRADED-FUND	464287473	69,973	541	SH		DFND	1	541	0	0
JANUS DETROIT STR TR HENDERSON MTG ETF	EXCHANGE-TRADED-FUND	47103U852	347,387	7,863	SH		DFND	1	7,863	0	0
JOHNSON & JOHNSON	COMMON STOCK	478160104	2,818,933	19,492	SH		DFND	1	19,492	0	0
JPMORGAN CHASE & CO	COMMON STOCK	46625H100	2,193,826	9,152	SH		DFND	1	9,152	0	0
JPMORGAN CHASE & CO 5.75 percent SHS PFD DD PFD	PREFERRED STOCK	48128B655	17,619	700	SH		DFND	1	700	0	0
KEURIG DR PEPPER INC COM	COMMON STOCK	49271V100	77,088	2,400	SH		DFND	1	2,400	0	0
KRAFT HEINZ CO/THE	COMMON STOCK	500754106	1,128,992	36,763	SH		DFND	1	36,763	0	0
KKR & CO INC COM	COMMON STOCK	48251W104	137,556	930	SH		DFND	1	930	0	0
KLA CORPORATION COM	COMMON STOCK	482480100	187,146	297	SH		DFND	1	297	0	0
KIMBERLY-CLARK CORP	COMMON STOCK	494368103	551,547	4,209	SH		DFND	1	4,209	0	0
KINDER MORGAN INC	COMMON STOCK	49456B101	13,015	475	SH		DFND	1	475	0	0
CARMAX INC	COMMON STOCK	143130102	591,452	7,234	SH		DFND	1	7,234	0	0
COCA COLA CO COM	COMMON STOCK	191216100	2,943,030	47,270	SH		DFND	1	47,270	0	0
SPDR S&P REGIONAL BANKING ETF	EXCHANGE-TRADED-FUND	78464A698	17,743	294	SH		DFND	1	294	0	0
LOEWS CORP COM	COMMON STOCK	540424108	184,201	2,175	SH		DFND	1	2,175	0	0
LITTELFUSE INC	COMMON STOCK	537008104	99,444	422	SH		DFND	1	422	0	0
LKQ CORP	COMMON STOCK	501889208	126,971	3,455	SH		DFND	1	3,455	0	0
ELI LILLY & CO COM	COMMON STOCK	532457108	924,084	1,197	SH		DFND	1	1,197	0	0
LOCKHEED MARTIN CORP	COMMON STOCK	539830109	215,271	443	SH		DFND	1	443	0	0
LANTHEUS HLDGS INC COM	COMMON STOCK	516544103	143,136	1,600	SH		DFND	1	1,600	0	0
LOWES COMPANIES INC	COMMON STOCK	548661107	165,109	669	SH		DFND	1	669	0	0
LPL FINANCIAL HOLDINGS INC	COMMON STOCK	50212V100	186,111	570	SH		DFND	1	570	0	0
ISHARES IBOXX INV GR CORP BD ETF	EXCHANGE-TRADED-FUND	464287242	19,338	181	SH		DFND	1	181	0	0
LULULEMON ATHLETICA INC	COMMON STOCK	550021109	99,427	260	SH		DFND	1	260	0	0
LUMEN TECHNOLOGIES INC COM	COMMON STOCK	550241103	669	126	SH		DFND	1	126	0	0
SOUTHWEST AIRLINES CO	COMMON STOCK	844741108	85,059	2,530	SH		DFND	1	2,530	0	0
LYONDELLBASELL INDUSTRIES CL A	NON US EQUITY	N53745100	15,597	210	SH		DFND	1	210	0	0
MASTERCARD INC CL A	COMMON STOCK	57636Q104	1,549,696	2,943	SH		DFND	1	2,943	0	0
MARRIOT INTERNATIONAL CL A	COMMON STOCK	571903202	303,766	1,089	SH		DFND	1	1,089	0	0
MASCO CORP	COMMON STOCK	574599106	14,514	200	SH		DFND	1	200	0	0
MASIMO CORPORATION	COMMON STOCK	574795100	156,374	946	SH		DFND	1	946	0	0
MCDONALDS CORP	COMMON STOCK	580135101	2,261,432	7,801	SH		DFND	1	7,801	0	0
MICROCHIP TECHNOLOGY INC	COMMON STOCK	595017104	38,539	672	SH		DFND	1	672	0	0
MCKESSON CORP	COMMON STOCK	58155Q103	185,791	326	SH		DFND	1	326	0	0
MONDELEZ INTL INC CL A COM	COMMON STOCK	609207105	442,599	7,410	SH		DFND	1	7,410	0	0
MEDTRONIC PLC	NON US EQUITY	G5960L103	518,980	6,497	SH		DFND	1	6,497	0	0
SPDR S&P MIDCAP 400 ETF TRUS	EXCHANGE-TRADED-FUND	78467Y107	342,318	601	SH		DFND	1	601	0	0
METLIFE INC	COMMON STOCK	59156R108	456,153	5,571	SH		DFND	1	5,571	0	0
META PLATFORMS INC CL A COM	COMMON STOCK	30303M102	2,762,436	4,718	SH		DFND	1	4,718	0	0
3M CO COM	COMMON STOCK	88579Y101	329,180	2,550	SH		DFND	1	2,550	0	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	75,821	1,450	SH		DFND	1	1,450	0	0
VANECK VECTORS MORNINGSTAR WIDE MOAT ETF	EXCHANGE-TRADED-FUND	92189F643	1,451,146	15,650	SH		DFND	1	15,650	0	0
MARATHON PETROLEUM CORP	COMMON STOCK	56585A102	18,833	135	SH		DFND	1	135	0	0
MERCK & CO INC	COMMON STOCK	58933Y105	2,354,294	23,666	SH		DFND	1	23,666	0	0
MORGAN STANLEY	COMMON STOCK	617446448	229,942	1,829	SH		DFND	1	1,829	0	0
MICROSOFT CORP COM	COMMON STOCK	594918104	6,598,161	15,654	SH		DFND	1	15,654	0	0
ISHARES TR NATIONAL MUN ETF	EXCHANGE-TRADED-FUND	464288414	1,686,260	15,826	SH		DFND	1	15,826	0	0
NEXTERA ENERGY INC COM	COMMON STOCK	65339F101	974,339	13,591	SH		DFND	1	13,591	0	0
VIRTUS DIVIDEND INTEREST & PR COM	EXCHANGE-TRADED-FUND	92840R101	20,840	1,650	SH		DFND	1	1,650	0	0
NETFLIX INC	COMMON STOCK	64110L106	276,309	310	SH		DFND	1	310	0	0
PROSHARES TR S&P 500 DV ARIST ETF	EXCHANGE-TRADED-FUND	74348A467	52,264	525	SH		DFND	1	525	0	0
SERVICENOW INC	COMMON STOCK	81762P102	219,445	207	SH		DFND	1	207	0	0
NRG ENERGY INC	COMMON STOCK	629377508	207,326	2,298	SH		DFND	1	2,298	0	0
NORFOLK SOUTHERN CORP	COMMON STOCK	655844108	19,950	85	SH		DFND	1	85	0	0
NUTRIEN LTD COM	NON US EQUITY	67077M108	74,464	1,664	SH		DFND	1	1,664	0	0
NVIDIA CORP	COMMON STOCK	67066G104	1,883,820	14,028	SH		DFND	1	14,028	0	0
NOVARTIS AG SPON ADR	ADR / IDR / GDR	66987V109	140,224	1,441	SH		DFND	1	1,441	0	0
NXP SEMICONDUCTORS NV ORD	NON US EQUITY	N6596X109	105,172	506	SH		DFND	1	506	0	0
NUVEEN MUNI CREDIT INC FD COM SH BEN INT	EXCHANGE-TRADED-FUND	67070X101	61	5	SH		DFND	1	5	0	0
REALTY INCOME CORP COM	COMMON STOCK	756109104	42,728	800	SH		DFND	1	800	0	0
OLD DOMINION FREIGHT LINE	COMMON STOCK	679580100	167,580	950	SH		DFND	1	950	0	0
ISHARES S&P 100 ETF	EXCHANGE-TRADED-FUND	464287101	137,204	475	SH		DFND	1	475	0	0
OGE ENERGY CORP	COMMON STOCK	670837103	16,500	400	SH		DFND	1	400	0	0
OMEGA HEALTHCARE INVESTORS	COMMON STOCK	681936100	377,743	9,980	SH		DFND	1	9,980	0	0
ONEOK INC	COMMON STOCK	682680103	310,738	3,095	SH		DFND	1	3,095	0	0
ON SEMICONDUCTOR CORP COM	COMMON STOCK	682189105	169,100	2,682	SH		DFND	1	2,682	0	0
FIDELITY NASDAQ COMPOSITE INDEX TS	EXCHANGE-TRADED-FUND	315912808	5,705	75	SH		DFND	1	75	0	0
ORACLE CORP	COMMON STOCK	68389X105	971,511	5,830	SH		DFND	1	5,830	0	0
OTIS WORLDWIDE CORP COM	COMMON STOCK	68902V107	27,783	300	SH		DFND	1	300	0	0
PARAMOUNT GLOBAL CLASS B COM	COMMON STOCK	92556H206	16,213	1,550	SH		DFND	1	1,550	0	0
PARAMOUNT GLOBAL CLASS A COM	COMMON STOCK	92556H107	1,249	56	SH		DFND	1	56	0	0
PAYCHEX INC	COMMON STOCK	704326107	2,262,029	16,132	SH		DFND	1	16,132	0	0
PACCAR INC	COMMON STOCK	693718108	211,993	2,038	SH		DFND	1	2,038	0	0
PUBLIC SVC ENTERPRISE GROUP	COMMON STOCK	744573106	106,288	1,258	SH		DFND	1	1,258	0	0
PEPSICO INC COM	COMMON STOCK	713448108	326,625	2,148	SH		DFND	1	2,148	0	0
PFIZER INC COM	COMMON STOCK	717081103	772,952	29,135	SH		DFND	1	29,135	0	0
ISHARES TR PFD AND INCM SEC	EXCHANGE-TRADED-FUND	464288687	1,127,218	35,853	SH		DFND	1	35,853	0	0
PROCTER & GAMBLE CO	COMMON STOCK	742718109	781,249	4,660	SH		DFND	1	4,660	0	0
PROGRESSIVE CORP COM	COMMON STOCK	743315103	2,057,291	8,586	SH		DFND	1	8,586	0	0
INVESCO EXCHNG TRADED FD TR II PFD ETF	EXCHANGE-TRADED-FUND	46138E511	149,175	12,938	SH		DFND	1	12,938	0	0
PULTE HOMES INC	COMMON STOCK	745867101	626,066	5,749	SH		DFND	1	5,749	0	0
PACKAGING CORP OF AMERICA	COMMON STOCK	695156109	2,235,541	9,930	SH		DFND	1	9,930	0	0
PROLOGIS INC	COMMON STOCK	74340W103	5,074	48	SH		DFND	1	48	0	0
PHILIP MORRIS INTL INC COM	COMMON STOCK	718172109	1,232,143	10,238	SH		DFND	1	10,238	0	0
PNC FINANCIAL SERVICES GROUP INC	COMMON STOCK	693475105	302,003	1,566	SH		DFND	1	1,566	0	0
PPL CORP	COMMON STOCK	69351T106	60,538	1,865	SH		DFND	1	1,865	0	0
PRIMERICA INC	COMMON STOCK	74164M108	194,065	715	SH		DFND	1	715	0	0
PRUDENTIAL FINANCIAL INC	COMMON STOCK	744320102	42,671	360	SH		DFND	1	360	0	0
PUBLIC STORAGE COM	COMMON STOCK	74460D109	1,140,866	3,810	SH		DFND	1	3,810	0	0
PHILLIPS 66 COM	COMMON STOCK	718546104	209,175	1,836	SH		DFND	1	1,836	0	0
QUANTA SERVICES INC	COMMON STOCK	74762E102	140,958	446	SH		DFND	1	446	0	0
INVESCO EXCH TRADED FD TR II FTSE RAFI	EXCHANGE-TRADED-FUND	46138E743	2,586	54	SH		DFND	1	54	0	0
INVESCO EXCHNG TRADED FD TR II FTSE ETF	EXCHANGE-TRADED-FUND	46138E727	1,946	95	SH		DFND	1	95	0	0
QUALCOMM INC COM	COMMON STOCK	747525103	630,149	4,102	SH		DFND	1	4,102	0	0
INVESCO QQQ TR UNIT SER ETF	EXCHANGE-TRADED-FUND	46090E103	148,257	290	SH		DFND	1	290	0	0
ISHARES TR MSCI USA QUALITY FACTOR ETF	EXCHANGE-TRADED-FUND	46432F339	251,093	1,410	SH		DFND	1	1,410	0	0
FIRST TR EXCHANGE-TRADED FD VI ETF	EXCHANGE-TRADED-FUND	33738R506	81,022	1,370	SH		DFND	1	1,370	0	0
REGENERON PHARMACEUTICALS	COMMON STOCK	75886F107	68,384	96	SH		DFND	1	96	0	0
RIO TINTO PLC ADR SPON	ADR / IDR / GDR	767204100	94,566	1,608	SH		DFND	1	1,608	0	0
ROPER TECHNOLOGIES INC COM	COMMON STOCK	776696106	227,694	438	SH		DFND	1	438	0	0
RTX CORPORATION COM	COMMON STOCK	75513E101	343,920	2,972	SH		DFND	1	2,972	0	0
STARBUCKS CORP	COMMON STOCK	855244109	713,575	7,820	SH		DFND	1	7,820	0	0
SCHWAB U.S. SMALL CAP ETF	EXCHANGE-TRADED-FUND	808524607	1,500	58	SH		DFND	1	58	0	0
SCHWAB US BROAD MARKET ETF	EXCHANGE-TRADED-FUND	808524102	108,960	4,800	SH		DFND	1	4,800	0	0
SCHWAB US DVD EQUITY ETF	EXCHANGE-TRADED-FUND	808524797	98,352	3,600	SH		DFND	1	3,600	0	0
SCHWAB EMERGING MARKETS EQ ETF	EXCHANGE-TRADED-FUND	808524706	27	1	SH		DFND	1	1	0	0
SCHWAB INTERNATIONAL EQUITY ETF	EXCHANGE-TRADED-FUND	808524805	1,332	72	SH		DFND	1	72	0	0
SCHWAB US LARGE CAP GROWTH ETF	EXCHANGE-TRADED-FUND	808524300	156,072	5,600	SH		DFND	1	5,600	0	0
SCHWAB US REIT ETF	EXCHANGE-TRADED-FUND	808524847	63	3	SH		DFND	1	3	0	0
SCHWAB STRATEGIC TR US TIPS ETF	EXCHANGE-TRADED-FUND	808524870	1,446	56	SH		DFND	1	56	0	0
SCHWAB STRATEGIC TR INTRM TRM TRES ETF	EXCHANGE-TRADED-FUND	808524854	729	30	SH		DFND	1	30	0	0
SCHWAB CHARLES CORP COM	COMMON STOCK	808513105	709,016	9,580	SH		DFND	1	9,580	0	0
SCHWAB US LARGE CAP ETF	EXCHANGE-TRADED-FUND	808524201	2,295	99	SH		DFND	1	99	0	0
FIRST TR EXCHANGE-TRADED FD VI SMID	EXCHANGE-TRADED-FUND	33741X102	69,083	1,927	SH		DFND	1	1,927	0	0
SANDOZ GROUP AG SPON ADR	ADR / IDR / GDR	799926100	10,377	253	SH		DFND	1	253	0	0
ISHARES TR 0-3 MNTH TREASRY ETF	EXCHANGE-TRADED-FUND	46436E718	218,497	2,178	SH		DFND	1	2,178	0	0
SHELL PLC SPON ADS ADR	ADR / IDR / GDR	780259305	219,902	3,510	SH		DFND	1	3,510	0	0
SHERWIN WILLIAMS CO	COMMON STOCK	824348106	401,797	1,182	SH		DFND	1	1,182	0	0
ISHARES 1-3 YEAR TREASURY BOND ETF	EXCHANGE-TRADED-FUND	464287457	373,419	4,555	SH		DFND	1	4,555	0	0
SOUTHERN CO COM	COMMON STOCK	842587107	411,435	4,998	SH		DFND	1	4,998	0	0
SOUTHERN CO 4.20 percent NT S20C 60 PFD	PREFERRED STOCK	842587883	10,873	575	SH		DFND	1	575	0	0
SOLVENTUM CORP COM SHS	COMMON STOCK	83444M101	42,080	637	SH		DFND	1	637	0	0
SIMON PROPERTY GROUP INC	COMMON STOCK	828806109	107,115	622	SH		DFND	1	622	0	0
S&P GLOBAL INC COM	COMMON STOCK	78409V104	575,723	1,156	SH		DFND	1	1,156	0	0
SPDR SERIES TRUST PORTFOLIO INTRMD ETF	EXCHANGE-TRADED-FUND	78464A375	5,667	173	SH		DFND	1	173	0	0
INVESCO EXCHNG TRADED FD TR II S&P500 LO	EXCHANGE-TRADED-FUND	46138E354	71,400	1,020	SH		DFND	1	1,020	0	0
SPDR SERIES TRUST PORTFOLIO SHORT ETF	EXCHANGE-TRADED-FUND	78464A474	467,936	15,671	SH		DFND	1	15,671	0	0
S&P 500 DR (SPDRS)	EXCHANGE-TRADED-FUND	78462F103	1,155,750	1,972	SH		DFND	1	1,972	0	0
SEMPRA COM	COMMON STOCK	816851109	22,369	255	SH		DFND	1	255	0	0
STEEL DYNAMICS INC	COMMON STOCK	858119100	176,809	1,550	SH		DFND	1	1,550	0	0
STATE STREET CORP	COMMON STOCK	857477103	22,575	230	SH		DFND	1	230	0	0
CONSTELLATION BRANDS INC CL A	COMMON STOCK	21036P108	116,909	529	SH		DFND	1	529	0	0
SYNCHRONY FINANCIAL	COMMON STOCK	87165B103	268,255	4,127	SH		DFND	1	4,127	0	0
STRYKER CORPORATION COM	COMMON STOCK	863667101	325,485	904	SH		DFND	1	904	0	0
SYSCO CORP	COMMON STOCK	871829107	6,499	85	SH		DFND	1	85	0	0
AT&T INC.	COMMON STOCK	00206R102	1,254,490	55,094	SH		DFND	1	55,094	0	0
TORONTO DOMINION BK ONT COM NEW	NON US EQUITY	891160509	156,739	2,944	SH		DFND	1	2,944	0	0
TRUIST FINL CORP COM	COMMON STOCK	89832Q109	264,748	6,103	SH		DFND	1	6,103	0	0
TRUIST FINL CORP DP SH RP PFD CL R	PREFERRED STOCK	89832Q695	11,580	600	SH		DFND	1	600	0	0
TARGET CORP	COMMON STOCK	87612E106	2,240,744	16,576	SH		DFND	1	16,576	0	0
THERMO FISHER SCIENTIFIC INC COM	COMMON STOCK	883556102	98,323	189	SH		DFND	1	189	0	0
TRAVEL PLUS LEISURE CO COM	COMMON STOCK	894164102	113,563	2,251	SH		DFND	1	2,251	0	0
SPDR DOUBLELINE TR TACT ETF	EXCHANGE-TRADED-FUND	78467V848	1,197,417	30,399	SH		DFND	1	30,399	0	0
T ROWE PRICE GROUP INC	COMMON STOCK	74144T108	1,608,140	14,220	SH		DFND	1	14,220	0	0
THE TRAVELERS COMPANIES INC	COMMON STOCK	89417E109	673,528	2,796	SH		DFND	1	2,796	0	0
TAIWAN SEMICONDUCTOR SPONS ADR	ADR / IDR / GDR	874039100	840,517	4,256	SH		DFND	1	4,256	0	0
TYSON FOODS INC CL A	COMMON STOCK	902494103	109,538	1,907	SH		DFND	1	1,907	0	0
THE TRADE DESK INC-CLASS A	COMMON STOCK	88339J105	370,807	3,155	SH		DFND	1	3,155	0	0
TEXAS INSTRUMENTS INC	COMMON STOCK	882508104	102,005	544	SH		DFND	1	544	0	0
TEXAS ROADHOUSE INC CL A	COMMON STOCK	882681109	104,649	580	SH		DFND	1	580	0	0
TEXTRON INC	COMMON STOCK	883203101	2,983	39	SH		DFND	1	39	0	0
UGI CORP NEW (HOLDING CO)	COMMON STOCK	902681105	23,854	845	SH		DFND	1	845	0	0
UNILEVER PLC SPON ADR NEW	ADR / IDR / GDR	904767704	211,491	3,730	SH		DFND	1	3,730	0	0
UNITEDHEALTH GROUP INC COM	COMMON STOCK	91324P102	1,049,660	2,075	SH		DFND	1	2,075	0	0
UNION PACIFIC CORP COM	COMMON STOCK	907818108	145,490	638	SH		DFND	1	638	0	0
UNITED PARCEL SERVICE INC CL B	COMMON STOCK	911312106	873,747	6,929	SH		DFND	1	6,929	0	0
UNITED RENTALS INC	COMMON STOCK	911363109	121,868	173	SH		DFND	1	173	0	0
LIBERTY ALL STAR EQUITY FUND	EXCHANGE-TRADED-FUND	530158104	113,681	16,357	SH		DFND	1	16,357	0	0
PACER FDS TR AMERCN ENRGY IND ETF	EXCHANGE-TRADED-FUND	69374H634	39,779	1,000	SH		DFND	1	1,000	0	0
U S BANCORP NEW	COMMON STOCK	902973304	1,926,114	40,270	SH		DFND	1	40,270	0	0
ISHARES TR CRE U S REIT ETF	EXCHANGE-TRADED-FUND	464288521	745	13	SH		DFND	1	13	0	0
VISA INC COM CL A	COMMON STOCK	92826C839	1,308,722	4,141	SH		DFND	1	4,141	0	0
VANGUARD INT TERM CORPORATE ETF	EXCHANGE-TRADED-FUND	92206C870	3,457,711	43,076	SH		DFND	1	43,076	0	0
VANGUARD LONG TERM CORPORATE BOND ETF	EXCHANGE-TRADED-FUND	92206C813	47,635	637	SH		DFND	1	637	0	0
VANGUARD SHORT TERM CORPORATE ETF	EXCHANGE-TRADED-FUND	92206C409	196,507	2,519	SH		DFND	1	2,519	0	0
VANGUARD CONSUMER STAPLE ETF	EXCHANGE-TRADED-FUND	92204A207	150,080	710	SH		DFND	1	710	0	0
VANGUARD FTSE DEVELOPED MARKETS ETF	EXCHANGE-TRADED-FUND	921943858	6,790	142	SH		DFND	1	142	0	0
VEEVA SYSTEMS INC CLASS A	COMMON STOCK	922475108	212,353	1,010	SH		DFND	1	1,010	0	0
VANGUARD SCOTTSDALE FDS INTER TERM ETF	EXCHANGE-TRADED-FUND	92206C706	485,634	8,373	SH		DFND	1	8,373	0	0
VANGUARD SCOTTSDALE FDS LONG TERM ETF	EXCHANGE-TRADED-FUND	92206C847	22,583	408	SH		DFND	1	408	0	0
VANGUARD SHORT TERM TREAS BOND ETF	EXCHANGE-TRADED-FUND	92206C102	1,050,673	18,059	SH		DFND	1	18,059	0	0
VANGUARD INFORMATION TECHNOLOGY INDEX	EXCHANGE-TRADED-FUND	92204A702	376,189	605	SH		DFND	1	605	0	0
VANGUARD HEALTH CARE	EXCHANGE-TRADED-FUND	92204A504	16,744	66	SH		DFND	1	66	0	0
VANGUARD DIVIDEND APPRECIATION ETF	EXCHANGE-TRADED-FUND	921908844	20,170	103	SH		DFND	1	103	0	0
VALERO ENERGY CORP NEW	COMMON STOCK	91913Y100	205,093	1,673	SH		DFND	1	1,673	0	0
VANGUARD MORTGAGE BACKED SECURITIES ETF	EXCHANGE-TRADED-FUND	92206C771	13,421	296	SH		DFND	1	296	0	0
VANGUARD INDEX FDS REAL ESTATE ETF	EXCHANGE-TRADED-FUND	922908553	1,511,955	16,973	SH		DFND	1	16,973	0	0
VANGUARD GLOBAL EX US REAL ESTATE ETF	EXCHANGE-TRADED-FUND	922042676	633	16	SH		DFND	1	16	0	0
VANGUARD RUSSELL 1000 GROWTH ETF	EXCHANGE-TRADED-FUND	92206C680	203,811	1,973	SH		DFND	1	1,973	0	0
VANGUARD MID-CAP GROWTH INDEX FUND ETF	EXCHANGE-TRADED-FUND	922908538	107,336	423	SH		DFND	1	423	0	0
VANGUARD UTILITIES ETF	EXCHANGE-TRADED-FUND	92204A876	31,050	190	SH		DFND	1	190	0	0
VANGUARD FTSE ALL WORLD US SMALL CAP	EXCHANGE-TRADED-FUND	922042718	687	6	SH		DFND	1	6	0	0
VANGUARD TOTAL STOCK MARKET ETF	EXCHANGE-TRADED-FUND	922908769	1,927,816	6,652	SH		DFND	1	6,652	0	0
VIATRIS INC COM	COMMON STOCK	92556V106	24,278	1,950	SH		DFND	1	1,950	0	0
VANGUARD GROWTH ETF	EXCHANGE-TRADED-FUND	922908736	827,857	2,017	SH		DFND	1	2,017	0	0
VANGUARD INTL EQUITY INDEX FDS FTSE ETF	EXCHANGE-TRADED-FUND	922042858	2,166,063	49,184	SH		DFND	1	49,184	0	0
VANGUARD EXTENDED MARKET ETF	EXCHANGE-TRADED-FUND	922908652	4,343,513	22,863	SH		DFND	1	22,863	0	0
VANGUARD TOTAL INTL STOCK ET	EXCHANGE-TRADED-FUND	921909768	371,436	6,303	SH		DFND	1	6,303	0	0
VANGUARD HIGH DIVIDEND YIELD ETF	EXCHANGE-TRADED-FUND	921946406	403,312	3,161	SH		DFND	1	3,161	0	0
VERIZON COMMUNICATIONS INC COM	COMMON STOCK	92343V104	779,445	19,491	SH		DFND	1	19,491	0	0
WABTEC CORP	COMMON STOCK	929740108	134,798	711	SH		DFND	1	711	0	0
WALGREENS BOOTS ALLIANCE INC	COMMON STOCK	931427108	2,333	250	SH		DFND	1	250	0	0
WARNER BROS DISCOVERY INC COM SER A	COMMON STOCK	934423104	2,537	240	SH		DFND	1	240	0	0
WORKDAY INC COM CL A	COMMON STOCK	98138H101	25,803	100	SH		DFND	1	100	0	0
WELLS FARGO CO NEW COM	COMMON STOCK	949746101	261,152	3,718	SH		DFND	1	3,718	0	0
WHIRLPOOL CORP COM	COMMON STOCK	963320106	23,468	205	SH		DFND	1	205	0	0
WESTBURY METALS GRP COM	COMMON STOCK	957289101	0	1,000	SH		DFND	1	1,000	0	0
WALMART INC	COMMON STOCK	931142103	1,089,440	12,058	SH		DFND	1	12,058	0	0
SPDR S&P BIOTECH ETF	EXCHANGE-TRADED-FUND	78464A870	10,357	115	SH		DFND	1	115	0	0
MATERIALS SELECT SECTOR SPDR TRUST	EXCHANGE-TRADED-FUND	81369Y100	15,145	180	SH		DFND	1	180	0	0
SELECT SECTOR SPDR TR COMMUNICATION ETF	EXCHANGE-TRADED-FUND	81369Y852	43,468	449	SH		DFND	1	449	0	0
ENERGY SELECT SECTOR SPDR FUND	EXCHANGE-TRADED-FUND	81369Y506	9,423	110	SH		DFND	1	110	0	0
FINANCIAL SELECT SECTOR SPDR	EXCHANGE-TRADED-FUND	81369Y605	117,877	2,439	SH		DFND	1	2,439	0	0
INDUSTRIAL SELECT SECTOR SPDR FUND	EXCHANGE-TRADED-FUND	81369Y704	152,051	1,154	SH		DFND	1	1,154	0	0
TECHNOLOGY SELECT SECTOR SPDR FD	EXCHANGE-TRADED-FUND	81369Y803	1,525,099	6,559	SH		DFND	1	6,559	0	0
CONSUMER STAPLES SELECT SECTOR SPDR FD	EXCHANGE-TRADED-FUND	81369Y308	55,263	703	SH		DFND	1	703	0	0
UTILITIES SELECT SECTOR SPDR	EXCHANGE-TRADED-FUND	81369Y886	21,647	286	SH		DFND	1	286	0	0
HEALTH CARE SELECT SECTOR SPDR FD	EXCHANGE-TRADED-FUND	81369Y209	128,078	931	SH		DFND	1	931	0	0
CONSUMER DISCRETIONARY SELECT SECTOR	EXCHANGE-TRADED-FUND	81369Y407	143,808	641	SH		DFND	1	641	0	0
EXXON MOBIL CORP	COMMON STOCK	30231G102	1,481,777	13,775	SH		DFND	1	13,775	0	0
YUM BRANDS INC	COMMON STOCK	988498101	28,576	213	SH		DFND	1	213	0	0
ZEBRA TECH CORP CL A	COMMON STOCK	989207105	90,762	235	SH		DFND	1	235	0	0
ZOETIS INC CL A COM	COMMON STOCK	98978V103	118,287	726	SH		DFND	1	726	0	0