Umpqua Bank 13F-HR Quarterly holdings report by institutional manager

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

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

FORM 13F INFORMATION TABLE

OMB APPROVAL

OMB Number:		3235-0006
Expires:	Oct 31, 2018
Estimated average burden
hours per response:		23.8

COLUMN 1	COLUMN 2	COLUMN 3	COLUMN 4	COLUMN 5			COLUMN 6	COLUMN 7	COLUMN 8
			VALUE	SHRS OR	SH/	PUT/	INVESTMENT	OTHER	VOTING AUTHORITY
NAME OF ISSUER	TITLE OF CLASS	CUSIP	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
3M CO	COM	88579Y101	102,190	1,000	SH		DFND		0	0	1,000
3M CO	COM	88579Y101	214,599	2,100	SH		SOLE		2,100	0	0
ABBOTT LABS	COM	002824100	36,576	352	SH		DFND		352	0	0
ABBOTT LABS	COM	002824100	81,881	788	SH		DFND	2	788	0	0
ABBOTT LABS	COM	002824100	451,177	4,342	SH		SOLE		4,342	0	0
ABBVIE INC	COM	00287Y109	379,059	2,210	SH		SOLE		2,210	0	0
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	16,688	55	SH		DFND		55	0	0
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	1,141,125	3,761	SH		SOLE		3,761	0	0
ADOBE INC	COM	00724F101	27,777	50	SH		DFND		50	0	0
ADOBE INC	COM	00724F101	1,604,955	2,889	SH		SOLE		2,889	0	0
ADVANCED MICRO DEVICES INC	COM	007903107	290,194	1,789	SH		SOLE		1,789	0	0
AIR PRODS & CHEMS INC	COM	009158106	28,386	110	SH		DFND		110	0	0
AIR PRODS & CHEMS INC	COM	009158106	28,902	112	SH		DFND	2	112	0	0
AIR PRODS & CHEMS INC	COM	009158106	1,593,201	6,174	SH		SOLE		6,174	0	0
ALLSTATE CORP	COM	020002101	19,958	125	SH		DFND		125	0	0
ALLSTATE CORP	COM	020002101	1,390,958	8,712	SH		SOLE		8,712	0	0
ALPHABET INC	CAP STK CL A	02079K305	210,383	1,155	SH		DFND		1,155	0	0
ALPHABET INC	CAP STK CL A	02079K305	147,906	812	SH		DFND	2	812	0	0
ALPHABET INC	CAP STK CL A	02079K305	7,787,277	42,752	SH		SOLE		42,752	0	0
ALPHABET INC	CAP STK CL C	02079K107	454,331	2,477	SH		SOLE		2,477	0	0
AMAZON COM INC	COM	023135106	77,300	400	SH		DFND		400	0	0
AMAZON COM INC	COM	023135106	6,683,165	34,583	SH		SOLE		34,583	0	0
AMERICAN ELEC PWR CO INC	COM	025537101	258,043	2,941	SH		SOLE		2,941	0	0
AMERICAN EXPRESS CO	COM	025816109	9,494	41	SH		DFND		41	0	0
AMERICAN EXPRESS CO	COM	025816109	503,853	2,176	SH		SOLE		2,176	0	0
AMGEN INC	COM	031162100	639,585	2,047	SH		SOLE		2,047	0	0
APPLE INC	COM	037833100	310,033	1,472	SH		DFND		1,472	0	0
APPLE INC	COM	037833100	58,974	280	SH		DFND	2	280	0	0
APPLE INC	COM	037833100	13,124,996	62,316	SH		SOLE		62,316	0	0
APPLIED MATLS INC	COM	038222105	13,215	56	SH		DFND		56	0	0
APPLIED MATLS INC	COM	038222105	234,574	994	SH		SOLE		994	0	0
ASML HOLDING N V	N Y REGISTRY SHS	N07059210	5,114	5	SH		DFND		5	0	0
ASML HOLDING N V	N Y REGISTRY SHS	N07059210	609,547	596	SH		SOLE		596	0	0
AUTODESK INC	COM	052769106	22,271	90	SH		DFND		90	0	0
AUTODESK INC	COM	052769106	1,196,668	4,836	SH		SOLE		4,836	0	0
AUTOMATIC DATA PROCESSING IN	COM	053015103	42,964	180	SH		DFND		180	0	0
AUTOMATIC DATA PROCESSING IN	COM	053015103	126,983	532	SH		DFND	2	532	0	0
AUTOMATIC DATA PROCESSING IN	COM	053015103	520,583	2,181	SH		SOLE		2,181	0	0
BADGER METER INC	COM	056525108	634,894	3,407	SH		SOLE		3,407	0	0
BANK AMERICA CORP	COM	060505104	76,796	1,931	SH		DFND		1,931	0	0
BANK AMERICA CORP	COM	060505104	2,890,484	72,680	SH		SOLE		72,680	0	0
BAXTER INTL INC	COM	071813109	1,673	50	SH		DFND		50	0	0
BAXTER INTL INC	COM	071813109	550,587	16,460	SH		SOLE		16,460	0	0
BECTON DICKINSON & CO	COM	075887109	23,371	100	SH		DFND		100	0	0
BECTON DICKINSON & CO	COM	075887109	605,075	2,589	SH		SOLE		2,589	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	24,408	60	SH		DFND		60	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	1,477,904	3,633	SH		SOLE		3,633	0	0
BERRY GLOBAL GROUP INC	COM	08579W103	6,003	102	SH		DFND		102	0	0
BERRY GLOBAL GROUP INC	COM	08579W103	195,794	3,327	SH		SOLE		3,327	0	0
BLACKROCK INC	COM	09247X101	55,112	70	SH		DFND		70	0	0
BLACKROCK INC	COM	09247X101	2,684,761	3,410	SH		SOLE		3,410	0	0
BOEING CO	COM	097023105	209,129	1,149	SH		SOLE		1,149	0	0
BOOKING HOLDINGS INC	COM	09857L108	514,995	130	SH		SOLE		130	0	0
CAMECO CORP	COM	13321L108	226,566	4,605	SH		SOLE		4,605	0	0
CANADIAN PACIFIC KANSAS CITY	COM	13646K108	581,342	7,384	SH		SOLE		7,384	0	0
CATERPILLAR INC	COM	149123101	73,615	221	SH		DFND		221	0	0
CATERPILLAR INC	COM	149123101	2,432,962	7,304	SH		SOLE		7,304	0	0
CHEVRON CORP NEW	COM	166764100	243,546	1,557	SH		DFND		357	0	1,200
CHEVRON CORP NEW	COM	166764100	2,857,793	18,270	SH		SOLE		18,270	0	0
CHUBB LIMITED	COM	H1467J104	306,351	1,201	SH		SOLE		1,201	0	0
CISCO SYS INC	COM	17275R102	39,291	827	SH		DFND		827	0	0
CISCO SYS INC	COM	17275R102	80,767	1,700	SH		DFND	2	1,700	0	0
CISCO SYS INC	COM	17275R102	344,780	7,257	SH		SOLE		7,257	0	0
CITIGROUP INC	COM NEW	172967424	39,916	629	SH		DFND		629	0	0
CITIGROUP INC	COM NEW	172967424	1,077,297	16,976	SH		SOLE		16,976	0	0
CME GROUP INC	COM	12572Q105	201,122	1,023	SH		SOLE		1,023	0	0
COLGATE PALMOLIVE CO	COM	194162103	281,416	2,900	SH		DFND		0	0	2,900
CONOCOPHILLIPS	COM	20825C104	18,301	160	SH		DFND		160	0	0
CONOCOPHILLIPS	COM	20825C104	1,048,750	9,169	SH		SOLE		9,169	0	0
CONSTELLATION BRANDS INC	CL A	21036P108	6,689	26	SH		DFND		26	0	0
CONSTELLATION BRANDS INC	CL A	21036P108	282,493	1,098	SH		SOLE		1,098	0	0
COSTCO WHSL CORP NEW	COM	22160K105	42,500	50	SH		DFND		50	0	0
COSTCO WHSL CORP NEW	COM	22160K105	3,342,161	3,932	SH		SOLE		3,932	0	0
CROWDSTRIKE HLDGS INC	CL A	22788C105	38,319	100	SH		DFND		100	0	0
CROWDSTRIKE HLDGS INC	CL A	22788C105	1,815,554	4,738	SH		SOLE		4,738	0	0
CROWN CASTLE INC	COM	22822V101	12,213	125	SH		DFND		125	0	0
CROWN CASTLE INC	COM	22822V101	466,029	4,770	SH		SOLE		4,770	0	0
CUMMINS INC	COM	231021106	27,693	100	SH		DFND		100	0	0
CUMMINS INC	COM	231021106	1,258,647	4,545	SH		SOLE		4,545	0	0
DANAHER CORPORATION	COM	235851102	44,973	180	SH		DFND		180	0	0
DANAHER CORPORATION	COM	235851102	104,687	419	SH		DFND	2	419	0	0
DANAHER CORPORATION	COM	235851102	162,403	650	SH		SOLE		650	0	0
DATADOG INC	CL A COM	23804L103	22,696	175	SH		DFND		175	0	0
DATADOG INC	CL A COM	23804L103	1,276,020	9,839	SH		SOLE		9,839	0	0
DEERE & CO	COM	244199105	49,319	132	SH		DFND		132	0	0
DEERE & CO	COM	244199105	1,747,094	4,676	SH		SOLE		4,676	0	0
DELL TECHNOLOGIES INC	CL C	24703L202	20,273	147	SH		DFND		147	0	0
DELL TECHNOLOGIES INC	CL C	24703L202	382,424	2,773	SH		SOLE		2,773	0	0
DIGITAL RLTY TR INC	COM	253868103	321,890	2,117	SH		SOLE		2,117	0	0
DISNEY WALT CO	COM	254687106	22,638	228	SH		DFND		228	0	0
DISNEY WALT CO	COM	254687106	19,659	198	SH		DFND	2	198	0	0
DISNEY WALT CO	COM	254687106	1,625,278	16,369	SH		SOLE		16,369	0	0
DOW INC	COM	260557103	13,634	257	SH		DFND		257	0	0
DOW INC	COM	260557103	872,673	16,450	SH		SOLE		16,450	0	0
EATON CORP PLC	SHS	G29183103	667,548	2,129	SH		SOLE		2,129	0	0
EDWARDS LIFESCIENCES CORP	COM	28176E108	32,330	350	SH		DFND		350	0	0
EDWARDS LIFESCIENCES CORP	COM	28176E108	2,169,217	23,484	SH		SOLE		23,484	0	0
ELI LILLY & CO	COM	532457108	693,521	766	SH		SOLE		766	0	0
EOG RES INC	COM	26875P101	6,168	49	SH		DFND		49	0	0
EOG RES INC	COM	26875P101	205,420	1,632	SH		SOLE		1,632	0	0
EXXON MOBIL CORP	COM	30231G102	644,672	5,600	SH		DFND		0	0	5,600
EXXON MOBIL CORP	COM	30231G102	414,432	3,600	SH		SOLE		3,600	0	0
FEDEX CORP	COM	31428X106	6,596	22	SH		DFND		22	0	0
FEDEX CORP	COM	31428X106	663,546	2,213	SH		SOLE		2,213	0	0
GENERAL MLS INC	COM	370334104	2,987,264	47,222	SH		DFND		0	0	47,222
GENERAL MLS INC	COM	370334104	117,031	1,850	SH		SOLE		1,850	0	0
GERON CORP	COM	374163103	42,400	10,000	SH		SOLE		10,000	0	0
HCA HEALTHCARE INC	COM	40412C101	61,043	190	SH		DFND		190	0	0
HCA HEALTHCARE INC	COM	40412C101	2,070,007	6,443	SH		SOLE		6,443	0	0
HOME DEPOT INC	COM	437076102	20,654	60	SH		DFND		60	0	0
HOME DEPOT INC	COM	437076102	1,732,216	5,032	SH		SOLE		5,032	0	0
INTERNATIONAL BUSINESS MACHS	COM	459200101	7,956	46	SH		DFND		46	0	0
INTERNATIONAL BUSINESS MACHS	COM	459200101	370,286	2,141	SH		SOLE		2,141	0	0
INTUITIVE SURGICAL INC	COM NEW	46120E602	51,158	115	SH		DFND		115	0	0
INTUITIVE SURGICAL INC	COM NEW	46120E602	1,334,995	3,001	SH		SOLE		3,001	0	0
ISHARES INC	CORE MSCI EMKT	46434G103	137,626	2,571	SH		DFND		2,571	0	0
ISHARES INC	CORE MSCI EMKT	46434G103	9,172,205	171,347	SH		SOLE		171,347	0	0
ISHARES INC	ESG AWR MSCI EM	46434G863	257,678	7,685	SH		SOLE		7,685	0	0
ISHARES INC	MSCI EMRG CHN	46434G764	234,610	3,963	SH		DFND		3,963	0	0
ISHARES INC	MSCI EMRG CHN	46434G764	9,343,891	157,836	SH		SOLE		157,836	0	0
ISHARES TR	SELECT DIVID ETF	464287168	211,715	1,750	SH		SOLE		1,750	0	0
ISHARES TR	CORE US AGGBD ET	464287226	267,622	2,757	SH		SOLE		2,757	0	0
ISHARES TR	CALIF MUN BD ETF	464288356	1,438,154	25,284	SH		SOLE		25,284	0	0
ISHARES TR	CORE MSCI EAFE	46432F842	7,267,632	100,050	SH		SOLE		100,050	0	0
ISHARES TR	CORE S&P MCP ETF	464287507	719,503	12,295	SH		SOLE		12,295	0	0
ISHARES TR	US TREAS BD ETF	46429B267	10,811	479	SH		DFND		479	0	0
ISHARES TR	US TREAS BD ETF	46429B267	996,623	44,157	SH		SOLE		44,157	0	0
ISHARES TR	U.S. TECH ETF	464287721	481,600	3,200	SH		SOLE		3,200	0	0
ISHARES TR	JPMORGAN USD EMG	464288281	215,183	2,432	SH		SOLE		2,432	0	0
ISHARES TR	ESG AW MSCI EAFE	46435G516	506,871	6,434	SH		SOLE		6,434	0	0
ISHARES TR	MSCI KLD400 SOC	464288570	4,075,697	39,246	SH		SOLE		39,246	0	0
ISHARES TR	NATIONAL MUN ETF	464288414	1,477,742	13,869	SH		SOLE		13,869	0	0
ISHARES TR	RUS 1000 GRW ETF	464287614	649,557	1,782	SH		SOLE		1,782	0	0
ISHARES TR	RUS 1000 VAL ETF	464287598	312,650	1,792	SH		SOLE		1,792	0	0
ISHARES TR	RUSSELL 2000 ETF	464287655	20,289	100	SH		DFND		100	0	0
ISHARES TR	RUSSELL 2000 ETF	464287655	46,665	230	SH		DFND	2	230	0	0
ISHARES TR	RUSSELL 2000 ETF	464287655	143,240	706	SH		SOLE		706	0	0
ISHARES TR	CORE S&P500 ETF	464287200	136,808	250	SH		DFND		250	0	0
ISHARES TR	CORE S&P500 ETF	464287200	10,086,543	18,432	SH		SOLE		18,432	0	0
ISHARES TR	S&P MC 400GR ETF	464287606	167,409	1,900	SH		DFND		1,900	0	0
ISHARES TR	S&P MC 400GR ETF	464287606	1,237,857	14,049	SH		SOLE		14,049	0	0
ISHARES TR	S&P MC 400VL ETF	464287705	107,787	950	SH		DFND		950	0	0
ISHARES TR	S&P MC 400VL ETF	464287705	776,407	6,843	SH		SOLE		6,843	0	0
ISHARES TR	SP SMCP600VL ETF	464287879	93,866	965	SH		DFND		965	0	0
ISHARES TR	SP SMCP600VL ETF	464287879	673,303	6,922	SH		SOLE		6,922	0	0
ISHARES TR	S&P SML 600 GWT	464287887	77,058	600	SH		DFND		600	0	0
ISHARES TR	S&P SML 600 GWT	464287887	559,056	4,353	SH		SOLE		4,353	0	0
ISHARES TR	MSCI EAFE ETF	464287465	563,976	7,200	SH		DFND		7,200	0	0
ISHARES TR	MSCI EAFE ETF	464287465	1,353,386	17,278	SH		SOLE		17,278	0	0
ISHARES TR	CORE S&P SCP ETF	464287804	1,240,349	11,629	SH		SOLE		11,629	0	0
ISHARES TR	10-20 YR TRS ETF	464288653	269,074	2,620	SH		DFND		2,620	0	0
ISHARES TR	10-20 YR TRS ETF	464288653	11,330,275	110,324	SH		SOLE		110,324	0	0
ISHARES U S ETF TR	BLACKROCK SH DUR	46431W507	1,535,719	30,513	SH		SOLE		30,513	0	0
JOHNSON & JOHNSON	COM	478160104	273,612	1,872	SH		DFND		272	0	1,600
JOHNSON & JOHNSON	COM	478160104	21,924	150	SH		DFND	2	150	0	0
JOHNSON & JOHNSON	COM	478160104	2,400,240	16,422	SH		SOLE		16,422	0	0
JOHNSON CTLS INTL PLC	SHS	G51502105	387,188	5,825	SH		SOLE		5,825	0	0
JPMORGAN CHASE & CO.	COM	46625H100	128,233	634	SH		DFND		634	0	0
JPMORGAN CHASE & CO.	COM	46625H100	80,904	400	SH		DFND	2	400	0	0
JPMORGAN CHASE & CO.	COM	46625H100	4,690,612	23,191	SH		SOLE		23,191	0	0
KENVUE INC	COM	49177J102	223,359	12,286	SH		SOLE		12,286	0	0
L3HARRIS TECHNOLOGIES INC	COM	502431109	19,089	85	SH		DFND		85	0	0
L3HARRIS TECHNOLOGIES INC	COM	502431109	744,483	3,315	SH		SOLE		3,315	0	0
LAM RESEARCH CORP	COM	512807108	121,393	114	SH		DFND		114	0	0
LAM RESEARCH CORP	COM	512807108	4,329,680	4,066	SH		SOLE		4,066	0	0
LAUDER ESTEE COS INC	CL A	518439104	10,640	100	SH		DFND		100	0	0
LAUDER ESTEE COS INC	CL A	518439104	361,334	3,396	SH		SOLE		3,396	0	0
LOCKHEED MARTIN CORP	COM	539830109	15,414	33	SH		DFND		33	0	0
LOCKHEED MARTIN CORP	COM	539830109	789,399	1,690	SH		SOLE		1,690	0	0
LULULEMON ATHLETICA INC	COM	550021109	16,429	55	SH		DFND		55	0	0
LULULEMON ATHLETICA INC	COM	550021109	615,322	2,060	SH		SOLE		2,060	0	0
M & T BK CORP	COM	55261F104	220,986	1,460	SH		SOLE		1,460	0	0
MARSH & MCLENNAN COS INC	COM	571748102	10,115	48	SH		DFND		48	0	0
MARSH & MCLENNAN COS INC	COM	571748102	280,679	1,332	SH		SOLE		1,332	0	0
MASTERCARD INCORPORATED	CL A	57636Q104	8,823	20	SH		DFND		20	0	0
MASTERCARD INCORPORATED	CL A	57636Q104	22,058	50	SH		DFND	2	50	0	0
MASTERCARD INCORPORATED	CL A	57636Q104	212,198	481	SH		SOLE		481	0	0
MCDONALDS CORP	COM	580135101	42,049	165	SH		DFND		165	0	0
MCDONALDS CORP	COM	580135101	1,749,731	6,866	SH		SOLE		6,866	0	0
MEDTRONIC PLC	SHS	G5960L103	6,848	87	SH		DFND		87	0	0
MEDTRONIC PLC	SHS	G5960L103	16,687	212	SH		DFND	2	212	0	0
MEDTRONIC PLC	SHS	G5960L103	220,231	2,798	SH		SOLE		2,798	0	0
MERCK & CO INC	COM	58933Y105	26,493	214	SH		DFND		214	0	0
MERCK & CO INC	COM	58933Y105	1,942,670	15,692	SH		SOLE		15,692	0	0
META PLATFORMS INC	CL A	30303M102	373,627	741	SH		SOLE		741	0	0
MICROSOFT CORP	COM	594918104	360,689	807	SH		DFND		807	0	0
MICROSOFT CORP	COM	594918104	109,503	245	SH		DFND	2	245	0	0
MICROSOFT CORP	COM	594918104	15,000,536	33,562	SH		SOLE		33,562	0	0
MONDELEZ INTL INC	CL A	609207105	607,545	9,284	SH		SOLE		9,284	0	0
MORGAN STANLEY	COM NEW	617446448	31,295	322	SH		DFND		322	0	0
MORGAN STANLEY	COM NEW	617446448	1,202,337	12,371	SH		SOLE		12,371	0	0
NETFLIX INC	COM	64110L106	37,118	55	SH		DFND		55	0	0
NETFLIX INC	COM	64110L106	1,201,961	1,781	SH		SOLE		1,781	0	0
NEXTERA ENERGY INC	COM	65339F101	14,162	200	SH		DFND		200	0	0
NEXTERA ENERGY INC	COM	65339F101	1,113,487	15,725	SH		SOLE		15,725	0	0
NIKE INC	CL B	654106103	26,380	350	SH		DFND		350	0	0
NIKE INC	CL B	654106103	18,315	243	SH		DFND	2	243	0	0
NIKE INC	CL B	654106103	1,157,532	15,358	SH		SOLE		15,358	0	0
NORFOLK SOUTHN CORP	COM	655844108	26,192	122	SH		DFND		122	0	0
NORFOLK SOUTHN CORP	COM	655844108	951,721	4,433	SH		SOLE		4,433	0	0
NUCOR CORP	COM	670346105	14,543	92	SH		DFND		92	0	0
NUCOR CORP	COM	670346105	329,439	2,084	SH		SOLE		2,084	0	0
NVIDIA CORPORATION	COM	67066G104	240,903	1,950	SH		DFND		1,950	0	0
NVIDIA CORPORATION	COM	67066G104	12,727,832	103,026	SH		SOLE		103,026	0	0
ORACLE CORP	COM	68389X105	18,638	132	SH		DFND		132	0	0
ORACLE CORP	COM	68389X105	46,596	330	SH		DFND	2	330	0	0
ORACLE CORP	COM	68389X105	288,189	2,041	SH		SOLE		2,041	0	0
PACCAR INC	COM	693718108	1,490,057	14,475	SH		SOLE		14,475	0	0
PALO ALTO NETWORKS INC	COM	697435105	38,986	115	SH		DFND		115	0	0
PALO ALTO NETWORKS INC	COM	697435105	2,483,248	7,325	SH		SOLE		7,325	0	0
PARKER-HANNIFIN CORP	COM	701094104	92,563	183	SH		DFND		183	0	0
PARKER-HANNIFIN CORP	COM	701094104	32,372	64	SH		DFND	2	64	0	0
PARKER-HANNIFIN CORP	COM	701094104	2,815,844	5,567	SH		SOLE		5,567	0	0
PEPSICO INC	COM	713448108	218,532	1,325	SH		DFND		325	0	1,000
PEPSICO INC	COM	713448108	82,465	500	SH		DFND	2	500	0	0
PEPSICO INC	COM	713448108	1,733,744	10,512	SH		SOLE		10,512	0	0
PHILLIPS 66	COM	718546104	41,222	292	SH		DFND		292	0	0
PHILLIPS 66	COM	718546104	1,359,891	9,633	SH		SOLE		9,633	0	0
PNC FINL SVCS GROUP INC	COM	693475105	28,608	184	SH		DFND		184	0	0
PNC FINL SVCS GROUP INC	COM	693475105	1,650,887	10,618	SH		SOLE		10,618	0	0
PPG INDS INC	COM	693506107	28,577	227	SH		DFND		227	0	0
PPG INDS INC	COM	693506107	1,080,262	8,581	SH		SOLE		8,581	0	0
PROCTER AND GAMBLE CO	COM	742718109	510,427	3,095	SH		DFND		100	0	2,995
PROCTER AND GAMBLE CO	COM	742718109	12,369	75	SH		DFND	2	75	0	0
PROCTER AND GAMBLE CO	COM	742718109	2,261,878	13,715	SH		SOLE		13,715	0	0
PROLOGIS INC.	COM	74340W103	12,466	111	SH		DFND		111	0	0
PROLOGIS INC.	COM	74340W103	530,552	4,724	SH		SOLE		4,724	0	0
PUBLIC STORAGE OPER CO	COM	74460D109	38,545	134	SH		DFND		134	0	0
PUBLIC STORAGE OPER CO	COM	74460D109	1,284,070	4,464	SH		SOLE		4,464	0	0
PUBLIC SVC ENTERPRISE GRP IN	COM	744573106	14,961	203	SH		DFND		203	0	0
PUBLIC SVC ENTERPRISE GRP IN	COM	744573106	501,529	6,805	SH		SOLE		6,805	0	0
QUALCOMM INC	COM	747525103	6,971	35	SH		DFND		35	0	0
QUALCOMM INC	COM	747525103	299,766	1,505	SH		SOLE		1,505	0	0
REGENERON PHARMACEUTICALS	COM	75886F107	39,939	38	SH		DFND		38	0	0
REGENERON PHARMACEUTICALS	COM	75886F107	1,425,197	1,356	SH		SOLE		1,356	0	0
SALESFORCE INC	COM	79466L302	38,565	150	SH		DFND		150	0	0
SALESFORCE INC	COM	79466L302	1,934,420	7,524	SH		SOLE		7,524	0	0
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	270,755	2,685	SH		SOLE		2,685	0	0
SERVICENOW INC	COM	81762P102	43,267	55	SH		DFND		55	0	0
SERVICENOW INC	COM	81762P102	2,196,383	2,792	SH		SOLE		2,792	0	0
SPDR S&P 500 ETF TR	TR UNIT	78462F103	602,452	1,107	SH		SOLE		1,107	0	0
STARBUCKS CORP	COM	855244109	13,624	175	SH		DFND		175	0	0
STARBUCKS CORP	COM	855244109	1,007,457	12,941	SH		SOLE		12,941	0	0
STRYKER CORPORATION	COM	863667101	39,129	115	SH		DFND		115	0	0
STRYKER CORPORATION	COM	863667101	1,774,404	5,215	SH		SOLE		5,215	0	0
TARGET CORP	COM	87612E106	25,167	170	SH		DFND		170	0	0
TARGET CORP	COM	87612E106	968,182	6,540	SH		SOLE		6,540	0	0
THERMO FISHER SCIENTIFIC INC	COM	883556102	62,489	113	SH		DFND		113	0	0
THERMO FISHER SCIENTIFIC INC	COM	883556102	2,393,384	4,328	SH		SOLE		4,328	0	0
TJX COS INC NEW	COM	872540109	230,660	2,095	SH		SOLE		2,095	0	0
TORONTO DOMINION BK ONT	COM NEW	891160509	206,100	3,750	SH		SOLE		3,750	0	0
UNION PAC CORP	COM	907818108	337,127	1,490	SH		DFND		27	0	1,463
UNION PAC CORP	COM	907818108	427,858	1,891	SH		SOLE		1,891	0	0
UNITED RENTALS INC	COM	911363109	73,080	113	SH		DFND		113	0	0
UNITED RENTALS INC	COM	911363109	2,458,221	3,801	SH		SOLE		3,801	0	0
UNITEDHEALTH GROUP INC	COM	91324P102	48,380	95	SH		DFND		95	0	0
UNITEDHEALTH GROUP INC	COM	91324P102	2,707,735	5,317	SH		SOLE		5,317	0	0
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	211,555	423	SH		SOLE		423	0	0
VANGUARD INDEX FDS	MID CAP ETF	922908629	232,658	961	SH		SOLE		961	0	0
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	253,039	3,021	SH		SOLE		3,021	0	0
VANGUARD MUN BD FDS	TAX EXEMPT BD	922907746	1,023,747	20,430	SH		SOLE		20,430	0	0
VEEVA SYS INC	CL A COM	922475108	11,896	65	SH		DFND		65	0	0
VEEVA SYS INC	CL A COM	922475108	610,887	3,338	SH		SOLE		3,338	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	47,467	1,151	SH		DFND		1,151	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	2,177,060	52,790	SH		SOLE		52,790	0	0
VISA INC	COM CL A	92826C839	45,932	175	SH		DFND		175	0	0
VISA INC	COM CL A	92826C839	2,421,811	9,227	SH		SOLE		9,227	0	0
VISTRA CORP	COM	92840M102	318,040	3,699	SH		SOLE		3,699	0	0
WALMART INC	COM	931142103	10,563	156	SH		DFND		156	0	0
WALMART INC	COM	931142103	449,324	6,636	SH		SOLE		6,636	0	0