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	136,700	1,000	SH		DFND		0	0	1,000
3M CO	COM	88579Y101	259,730	1,900	SH		SOLE		1,900	0	0
ABBOTT LABS	COM	002824100	40,132	352	SH		DFND		352	0	0
ABBOTT LABS	COM	002824100	89,840	788	SH		DFND	2	788	0	0
ABBOTT LABS	COM	002824100	530,831	4,656	SH		SOLE		4,656	0	0
ABBVIE INC	COM	00287Y109	464,473	2,352	SH		SOLE		2,352	0	0
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	19,441	55	SH		DFND		55	0	0
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	1,454,924	4,116	SH		SOLE		4,116	0	0
ADOBE INC	COM	00724F101	25,889	50	SH		DFND		50	0	0
ADOBE INC	COM	00724F101	1,561,624	3,016	SH		SOLE		3,016	0	0
ADVANCED MICRO DEVICES INC	COM	007903107	353,756	2,156	SH		SOLE		2,156	0	0
AIR PRODS & CHEMS INC	COM	009158106	32,751	110	SH		DFND		110	0	0
AIR PRODS & CHEMS INC	COM	009158106	33,347	112	SH		DFND	2	112	0	0
AIR PRODS & CHEMS INC	COM	009158106	1,935,905	6,502	SH		SOLE		6,502	0	0
ALLSTATE CORP	COM	020002101	23,706	125	SH		DFND		125	0	0
ALLSTATE CORP	COM	020002101	1,650,714	8,704	SH		SOLE		8,704	0	0
ALPHABET INC	CAP STK CL A	02079K305	191,557	1,155	SH		DFND		1,155	0	0
ALPHABET INC	CAP STK CL A	02079K305	134,670	812	SH		DFND	2	812	0	0
ALPHABET INC	CAP STK CL A	02079K305	6,930,374	41,787	SH		SOLE		41,787	0	0
ALPHABET INC	CAP STK CL C	02079K107	414,130	2,477	SH		SOLE		2,477	0	0
AMAZON COM INC	COM	023135106	65,216	350	SH		DFND		350	0	0
AMAZON COM INC	COM	023135106	6,478,694	34,770	SH		SOLE		34,770	0	0
AMERICAN ELEC PWR CO INC	COM	025537101	316,931	3,089	SH		SOLE		3,089	0	0
AMERICAN EXPRESS CO	COM	025816109	11,119	41	SH		DFND		41	0	0
AMERICAN EXPRESS CO	COM	025816109	596,640	2,200	SH		SOLE		2,200	0	0
AMERICAN TOWER CORP NEW	COM	03027X100	207,909	894	SH		SOLE		894	0	0
AMGEN INC	COM	031162100	643,453	1,997	SH		SOLE		1,997	0	0
APOLLO GLOBAL MGMT INC	COM	03769M106	212,222	1,699	SH		SOLE		1,699	0	0
APPLE INC	COM	037833100	302,201	1,297	SH		DFND		1,297	0	0
APPLE INC	COM	037833100	65,240	280	SH		DFND	2	280	0	0
APPLE INC	COM	037833100	13,762,611	59,067	SH		SOLE		59,067	0	0
APPLIED MATLS INC	COM	038222105	11,315	56	SH		DFND		56	0	0
APPLIED MATLS INC	COM	038222105	244,683	1,211	SH		SOLE		1,211	0	0
ARISTA NETWORKS INC	COM	040413106	265,987	693	SH		SOLE		693	0	0
ASML HOLDING N V	N Y REGISTRY SHS	N07059210	12,499	15	SH		DFND		15	0	0
ASML HOLDING N V	N Y REGISTRY SHS	N07059210	1,805,653	2,167	SH		SOLE		2,167	0	0
AUTODESK INC	COM	052769106	24,793	90	SH		DFND		90	0	0
AUTODESK INC	COM	052769106	1,356,739	4,925	SH		SOLE		4,925	0	0
AUTOMATIC DATA PROCESSING IN	COM	053015103	49,811	180	SH		DFND		180	0	0
AUTOMATIC DATA PROCESSING IN	COM	053015103	147,220	532	SH		DFND	2	532	0	0
AUTOMATIC DATA PROCESSING IN	COM	053015103	632,882	2,287	SH		SOLE		2,287	0	0
BADGER METER INC	COM	056525108	744,123	3,407	SH		SOLE		3,407	0	0
BANK AMERICA CORP	COM	060505104	76,622	1,931	SH		DFND		1,931	0	0
BANK AMERICA CORP	COM	060505104	2,782,917	70,134	SH		SOLE		70,134	0	0
BAXTER INTL INC	COM	071813109	1,899	50	SH		DFND		50	0	0
BAXTER INTL INC	COM	071813109	664,019	17,488	SH		SOLE		17,488	0	0
BECTON DICKINSON & CO	COM	075887109	24,110	100	SH		DFND		100	0	0
BECTON DICKINSON & CO	COM	075887109	636,022	2,638	SH		SOLE		2,638	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	27,616	60	SH		DFND		60	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	1,641,747	3,567	SH		SOLE		3,567	0	0
BERRY GLOBAL GROUP INC	COM	08579W103	6,934	102	SH		DFND		102	0	0
BERRY GLOBAL GROUP INC	COM	08579W103	230,928	3,397	SH		SOLE		3,397	0	0
BLACKROCK INC	COM	09247X101	66,466	70	SH		DFND		70	0	0
BLACKROCK INC	COM	09247X101	3,225,485	3,397	SH		SOLE		3,397	0	0
BOOKING HOLDINGS INC	COM	09857L108	421,212	100	SH		SOLE		100	0	0
CAMECO CORP	COM	13321L108	248,639	5,206	SH		SOLE		5,206	0	0
CANADIAN PACIFIC KANSAS CITY	COM	13646K108	631,627	7,384	SH		SOLE		7,384	0	0
CATERPILLAR INC	COM	149123101	86,438	221	SH		DFND		221	0	0
CATERPILLAR INC	COM	149123101	2,774,214	7,093	SH		SOLE		7,093	0	0
CHEVRON CORP NEW	COM	166764100	229,299	1,557	SH		DFND		357	0	1,200
CHEVRON CORP NEW	COM	166764100	2,745,555	18,643	SH		SOLE		18,643	0	0
CHUBB LIMITED	COM	H1467J104	353,278	1,225	SH		SOLE		1,225	0	0
CISCO SYS INC	COM	17275R102	44,013	827	SH		DFND		827	0	0
CISCO SYS INC	COM	17275R102	90,474	1,700	SH		DFND	2	1,700	0	0
CISCO SYS INC	COM	17275R102	317,191	5,960	SH		SOLE		5,960	0	0
CITIGROUP INC	COM NEW	172967424	39,375	629	SH		DFND		629	0	0
CITIGROUP INC	COM NEW	172967424	1,233,283	19,701	SH		SOLE		19,701	0	0
CME GROUP INC	COM	12572Q105	222,195	1,007	SH		SOLE		1,007	0	0
COLGATE PALMOLIVE CO	COM	194162103	301,049	2,900	SH		DFND		0	0	2,900
CONOCOPHILLIPS	COM	20825C104	16,845	160	SH		DFND		160	0	0
CONOCOPHILLIPS	COM	20825C104	736,434	6,995	SH		SOLE		6,995	0	0
CONSTELLATION BRANDS INC	CL A	21036P108	6,700	26	SH		DFND		26	0	0
CONSTELLATION BRANDS INC	CL A	21036P108	289,644	1,124	SH		SOLE		1,124	0	0
COSTCO WHSL CORP NEW	COM	22160K105	44,326	50	SH		DFND		50	0	0
COSTCO WHSL CORP NEW	COM	22160K105	3,439,698	3,880	SH		SOLE		3,880	0	0
CROWDSTRIKE HLDGS INC	CL A	22788C105	28,047	100	SH		DFND		100	0	0
CROWDSTRIKE HLDGS INC	CL A	22788C105	1,317,368	4,697	SH		SOLE		4,697	0	0
CROWN CASTLE INC	COM	22822V101	14,829	125	SH		DFND		125	0	0
CROWN CASTLE INC	COM	22822V101	589,235	4,967	SH		SOLE		4,967	0	0
CUMMINS INC	COM	231021106	32,379	100	SH		DFND		100	0	0
CUMMINS INC	COM	231021106	1,458,350	4,504	SH		SOLE		4,504	0	0
DANAHER CORPORATION	COM	235851102	41,703	150	SH		DFND		150	0	0
DANAHER CORPORATION	COM	235851102	116,490	419	SH		DFND	2	419	0	0
DANAHER CORPORATION	COM	235851102	180,713	650	SH		SOLE		650	0	0
DATADOG INC	CL A COM	23804L103	20,136	175	SH		DFND		175	0	0
DATADOG INC	CL A COM	23804L103	1,135,642	9,870	SH		SOLE		9,870	0	0
DEERE & CO	COM	244199105	55,088	132	SH		DFND		132	0	0
DEERE & CO	COM	244199105	1,981,066	4,747	SH		SOLE		4,747	0	0
DELL TECHNOLOGIES INC	CL C	24703L202	17,425	147	SH		DFND		147	0	0
DELL TECHNOLOGIES INC	CL C	24703L202	335,705	2,832	SH		SOLE		2,832	0	0
DIGITAL RLTY TR INC	COM	253868103	329,324	2,035	SH		SOLE		2,035	0	0
DISNEY WALT CO	COM	254687106	21,931	228	SH		DFND		228	0	0
DISNEY WALT CO	COM	254687106	19,046	198	SH		DFND	2	198	0	0
DISNEY WALT CO	COM	254687106	1,569,821	16,320	SH		SOLE		16,320	0	0
DOW INC	COM	260557103	14,040	257	SH		DFND		257	0	0
DOW INC	COM	260557103	933,517	17,088	SH		SOLE		17,088	0	0
EATON CORP PLC	SHS	G29183103	710,276	2,143	SH		SOLE		2,143	0	0
ELI LILLY & CO	COM	532457108	13,289	15	SH		DFND		15	0	0
ELI LILLY & CO	COM	532457108	1,320,051	1,490	SH		SOLE		1,490	0	0
EOG RES INC	COM	26875P101	6,024	49	SH		DFND		49	0	0
EOG RES INC	COM	26875P101	202,712	1,649	SH		SOLE		1,649	0	0
EXXON MOBIL CORP	COM	30231G102	656,432	5,600	SH		DFND		0	0	5,600
EXXON MOBIL CORP	COM	30231G102	411,325	3,509	SH		SOLE		3,509	0	0
FEDEX CORP	COM	31428X106	6,021	22	SH		DFND		22	0	0
FEDEX CORP	COM	31428X106	581,023	2,123	SH		SOLE		2,123	0	0
GENERAL MLS INC	COM	370334104	3,487,345	47,222	SH		DFND		0	0	47,222
GENERAL MLS INC	COM	370334104	136,623	1,850	SH		SOLE		1,850	0	0
GERON CORP	COM	374163103	45,400	10,000	SH		SOLE		10,000	0	0
HCA HEALTHCARE INC	COM	40412C101	77,222	190	SH		DFND		190	0	0
HCA HEALTHCARE INC	COM	40412C101	2,601,558	6,401	SH		SOLE		6,401	0	0
HOME DEPOT INC	COM	437076102	24,312	60	SH		DFND		60	0	0
HOME DEPOT INC	COM	437076102	1,952,659	4,819	SH		SOLE		4,819	0	0
HONEYWELL INTL INC	COM	438516106	203,816	986	SH		SOLE		986	0	0
INTERNATIONAL BUSINESS MACHS	COM	459200101	10,170	46	SH		DFND		46	0	0
INTERNATIONAL BUSINESS MACHS	COM	459200101	494,114	2,235	SH		SOLE		2,235	0	0
INTUITIVE SURGICAL INC	COM NEW	46120E602	56,496	115	SH		DFND		115	0	0
INTUITIVE SURGICAL INC	COM NEW	46120E602	1,388,820	2,827	SH		SOLE		2,827	0	0
ISHARES INC	CORE MSCI EMKT	46434G103	147,601	2,571	SH		DFND		2,571	0	0
ISHARES INC	CORE MSCI EMKT	46434G103	9,974,643	173,744	SH		SOLE		173,744	0	0
ISHARES INC	MSCI EMRG CHN	46434G764	242,179	3,963	SH		DFND		3,963	0	0
ISHARES INC	MSCI EMRG CHN	46434G764	10,206,959	167,026	SH		SOLE		167,026	0	0
ISHARES TR	SELECT DIVID ETF	464287168	236,373	1,750	SH		SOLE		1,750	0	0
ISHARES TR	3 7 YR TREAS BD	464288661	246,386	2,060	SH		DFND		2,060	0	0
ISHARES TR	3 7 YR TREAS BD	464288661	7,929,334	66,296	SH		SOLE		66,296	0	0
ISHARES TR	CORE US AGGBD ET	464287226	941,811	9,300	SH		DFND		9,300	0	0
ISHARES TR	CORE US AGGBD ET	464287226	1,443,806	14,257	SH		SOLE		14,257	0	0
ISHARES TR	CALIF MUN BD ETF	464288356	1,785,488	30,726	SH		SOLE		30,726	0	0
ISHARES TR	CORE MSCI EAFE	46432F842	8,105,493	103,850	SH		SOLE		103,850	0	0
ISHARES TR	CORE S&P MCP ETF	464287507	766,224	12,295	SH		SOLE		12,295	0	0
ISHARES TR	US TREAS BD ETF	46429B267	10,060	429	SH		DFND		429	0	0
ISHARES TR	US TREAS BD ETF	46429B267	668,208	28,495	SH		SOLE		28,495	0	0
ISHARES TR	U.S. TECH ETF	464287721	485,184	3,200	SH		SOLE		3,200	0	0
ISHARES TR	JPMORGAN USD EMG	464288281	239,846	2,563	SH		SOLE		2,563	0	0
ISHARES TR	ESG AW MSCI EAFE	46435G516	204,870	2,434	SH		SOLE		2,434	0	0
ISHARES TR	MSCI KLD400 SOC	464288570	4,271,748	39,266	SH		SOLE		39,266	0	0
ISHARES TR	NATIONAL MUN ETF	464288414	1,626,082	14,969	SH		SOLE		14,969	0	0
ISHARES TR	RUS 1000 GRW ETF	464287614	794,679	2,117	SH		SOLE		2,117	0	0
ISHARES TR	RUS 1000 VAL ETF	464287598	607,929	3,203	SH		SOLE		3,203	0	0
ISHARES TR	RUSSELL 2000 ETF	464287655	22,089	100	SH		DFND		100	0	0
ISHARES TR	RUSSELL 2000 ETF	464287655	50,805	230	SH		DFND	2	230	0	0
ISHARES TR	RUSSELL 2000 ETF	464287655	153,960	697	SH		SOLE		697	0	0
ISHARES TR	CORE S&P500 ETF	464287200	144,205	250	SH		DFND		250	0	0
ISHARES TR	CORE S&P500 ETF	464287200	11,628,691	20,160	SH		SOLE		20,160	0	0
ISHARES TR	S&P MC 400GR ETF	464287606	174,667	1,900	SH		DFND		1,900	0	0
ISHARES TR	S&P MC 400GR ETF	464287606	1,408,368	15,320	SH		SOLE		15,320	0	0
ISHARES TR	S&P MC 400VL ETF	464287705	117,439	950	SH		DFND		950	0	0
ISHARES TR	S&P MC 400VL ETF	464287705	1,025,181	8,293	SH		SOLE		8,293	0	0
ISHARES TR	SP SMCP600VL ETF	464287879	103,892	965	SH		DFND		965	0	0
ISHARES TR	SP SMCP600VL ETF	464287879	844,808	7,847	SH		SOLE		7,847	0	0
ISHARES TR	S&P SML 600 GWT	464287887	83,694	600	SH		DFND		600	0	0
ISHARES TR	S&P SML 600 GWT	464287887	691,870	4,960	SH		SOLE		4,960	0	0
ISHARES TR	MSCI EAFE ETF	464287465	602,136	7,200	SH		DFND		7,200	0	0
ISHARES TR	MSCI EAFE ETF	464287465	1,394,196	16,671	SH		SOLE		16,671	0	0
ISHARES TR	CORE S&P SCP ETF	464287804	1,370,069	11,714	SH		SOLE		11,714	0	0
ISHARES TR	10-20 YR TRS ETF	464288653	60,132	550	SH		DFND		550	0	0
ISHARES TR	10-20 YR TRS ETF	464288653	5,707,573	52,205	SH		SOLE		52,205	0	0
ISHARES U S ETF TR	BLACKROCK SH DUR	46431W507	982,732	19,179	SH		SOLE		19,179	0	0
JOHNSON & JOHNSON	COM	478160104	303,376	1,872	SH		DFND		272	0	1,600
JOHNSON & JOHNSON	COM	478160104	24,309	150	SH		DFND	2	150	0	0
JOHNSON & JOHNSON	COM	478160104	2,729,901	16,845	SH		SOLE		16,845	0	0
JOHNSON CTLS INTL PLC	SHS	G51502105	423,207	5,453	SH		SOLE		5,453	0	0
JPMORGAN CHASE & CO.	COM	46625H100	133,685	634	SH		DFND		634	0	0
JPMORGAN CHASE & CO.	COM	46625H100	84,344	400	SH		DFND	2	400	0	0
JPMORGAN CHASE & CO.	COM	46625H100	4,808,662	22,805	SH		SOLE		22,805	0	0
KENVUE INC	COM	49177J102	279,804	12,097	SH		SOLE		12,097	0	0
L3HARRIS TECHNOLOGIES INC	COM	502431109	20,219	85	SH		DFND		85	0	0
L3HARRIS TECHNOLOGIES INC	COM	502431109	745,960	3,136	SH		SOLE		3,136	0	0
LAM RESEARCH CORP	COM	512807108	93,033	114	SH		DFND		114	0	0
LAM RESEARCH CORP	COM	512807108	3,240,654	3,971	SH		SOLE		3,971	0	0
LAUDER ESTEE COS INC	CL A	518439104	4,985	50	SH		DFND		50	0	0
LAUDER ESTEE COS INC	CL A	518439104	316,516	3,175	SH		SOLE		3,175	0	0
LOCKHEED MARTIN CORP	COM	539830109	19,290	33	SH		DFND		33	0	0
LOCKHEED MARTIN CORP	COM	539830109	996,090	1,704	SH		SOLE		1,704	0	0
LULULEMON ATHLETICA INC	COM	550021109	14,924	55	SH		DFND		55	0	0
LULULEMON ATHLETICA INC	COM	550021109	607,824	2,240	SH		SOLE		2,240	0	0
M & T BK CORP	COM	55261F104	268,961	1,510	SH		SOLE		1,510	0	0
MARSH & MCLENNAN COS INC	COM	571748102	10,708	48	SH		DFND		48	0	0
MARSH & MCLENNAN COS INC	COM	571748102	303,849	1,362	SH		SOLE		1,362	0	0
MASTERCARD INCORPORATED	CL A	57636Q104	9,876	20	SH		DFND		20	0	0
MASTERCARD INCORPORATED	CL A	57636Q104	24,690	50	SH		DFND	2	50	0	0
MASTERCARD INCORPORATED	CL A	57636Q104	315,538	639	SH		SOLE		639	0	0
MCDONALDS CORP	COM	580135101	50,244	165	SH		DFND		165	0	0
MCDONALDS CORP	COM	580135101	2,143,141	7,038	SH		SOLE		7,038	0	0
MEDTRONIC PLC	SHS	G5960L103	7,833	87	SH		DFND		87	0	0
MEDTRONIC PLC	SHS	G5960L103	19,086	212	SH		DFND	2	212	0	0
MEDTRONIC PLC	SHS	G5960L103	249,833	2,775	SH		SOLE		2,775	0	0
MERCK & CO INC	COM	58933Y105	24,302	214	SH		DFND		214	0	0
MERCK & CO INC	COM	58933Y105	1,811,736	15,954	SH		SOLE		15,954	0	0
META PLATFORMS INC	CL A	30303M102	447,076	781	SH		SOLE		781	0	0
MICROSOFT CORP	COM	594918104	347,252	807	SH		DFND		807	0	0
MICROSOFT CORP	COM	594918104	105,424	245	SH		DFND	2	245	0	0
MICROSOFT CORP	COM	594918104	14,766,605	34,317	SH		SOLE		34,317	0	0
MONDELEZ INTL INC	CL A	609207105	701,854	9,527	SH		SOLE		9,527	0	0
MORGAN STANLEY	COM NEW	617446448	33,565	322	SH		DFND		322	0	0
MORGAN STANLEY	COM NEW	617446448	1,325,620	12,717	SH		SOLE		12,717	0	0
NETFLIX INC	COM	64110L106	28,371	40	SH		DFND		40	0	0
NETFLIX INC	COM	64110L106	1,230,583	1,735	SH		SOLE		1,735	0	0
NEXTERA ENERGY INC	COM	65339F101	16,906	200	SH		DFND		200	0	0
NEXTERA ENERGY INC	COM	65339F101	1,292,886	15,295	SH		SOLE		15,295	0	0
NIKE INC	CL B	654106103	30,940	350	SH		DFND		350	0	0
NIKE INC	CL B	654106103	21,481	243	SH		DFND	2	243	0	0
NIKE INC	CL B	654106103	1,266,330	14,325	SH		SOLE		14,325	0	0
NORFOLK SOUTHN CORP	COM	655844108	30,317	122	SH		DFND		122	0	0
NORFOLK SOUTHN CORP	COM	655844108	1,124,960	4,527	SH		SOLE		4,527	0	0
NUCOR CORP	COM	670346105	13,831	92	SH		DFND		92	0	0
NUCOR CORP	COM	670346105	322,028	2,142	SH		SOLE		2,142	0	0
NVIDIA CORPORATION	COM	67066G104	115,368	950	SH		DFND		950	0	0
NVIDIA CORPORATION	COM	67066G104	9,628,370	79,285	SH		SOLE		79,285	0	0
ORACLE CORP	COM	68389X105	22,493	132	SH		DFND		132	0	0
ORACLE CORP	COM	68389X105	56,232	330	SH		DFND	2	330	0	0
ORACLE CORP	COM	68389X105	359,544	2,110	SH		SOLE		2,110	0	0
OREILLY AUTOMOTIVE INC	COM	67103H107	254,504	221	SH		SOLE		221	0	0
PACCAR INC	COM	693718108	1,428,393	14,475	SH		SOLE		14,475	0	0
PALO ALTO NETWORKS INC	COM	697435105	39,307	115	SH		DFND		115	0	0
PALO ALTO NETWORKS INC	COM	697435105	2,383,713	6,974	SH		SOLE		6,974	0	0
PARKER-HANNIFIN CORP	COM	701094104	115,623	183	SH		DFND		183	0	0
PARKER-HANNIFIN CORP	COM	701094104	40,436	64	SH		DFND	2	64	0	0
PARKER-HANNIFIN CORP	COM	701094104	3,438,996	5,443	SH		SOLE		5,443	0	0
PEPSICO INC	COM	713448108	225,316	1,325	SH		DFND		325	0	1,000
PEPSICO INC	COM	713448108	85,025	500	SH		DFND	2	500	0	0
PEPSICO INC	COM	713448108	1,933,298	11,369	SH		SOLE		11,369	0	0
PHILLIPS 66	COM	718546104	38,383	292	SH		DFND		292	0	0
PHILLIPS 66	COM	718546104	1,275,591	9,704	SH		SOLE		9,704	0	0
PNC FINL SVCS GROUP INC	COM	693475105	34,012	184	SH		DFND		184	0	0
PNC FINL SVCS GROUP INC	COM	693475105	2,019,856	10,927	SH		SOLE		10,927	0	0
PPG INDS INC	COM	693506107	30,068	227	SH		DFND		227	0	0
PPG INDS INC	COM	693506107	1,185,782	8,952	SH		SOLE		8,952	0	0
PROCTER AND GAMBLE CO	COM	742718109	536,054	3,095	SH		DFND		100	0	2,995
PROCTER AND GAMBLE CO	COM	742718109	12,990	75	SH		DFND	2	75	0	0
PROCTER AND GAMBLE CO	COM	742718109	2,401,591	13,866	SH		SOLE		13,866	0	0
PROLOGIS INC.	COM	74340W103	14,017	111	SH		DFND		111	0	0
PROLOGIS INC.	COM	74340W103	619,277	4,904	SH		SOLE		4,904	0	0
PUBLIC STORAGE OPER CO	COM	74460D109	48,759	134	SH		DFND		134	0	0
PUBLIC STORAGE OPER CO	COM	74460D109	1,722,924	4,735	SH		SOLE		4,735	0	0
PUBLIC SVC ENTERPRISE GRP IN	COM	744573106	18,110	203	SH		DFND		203	0	0
PUBLIC SVC ENTERPRISE GRP IN	COM	744573106	635,889	7,128	SH		SOLE		7,128	0	0
QUALCOMM INC	COM	747525103	5,952	35	SH		DFND		35	0	0
QUALCOMM INC	COM	747525103	263,748	1,551	SH		SOLE		1,551	0	0
REGENERON PHARMACEUTICALS	COM	75886F107	39,947	38	SH		DFND		38	0	0
REGENERON PHARMACEUTICALS	COM	75886F107	1,459,121	1,388	SH		SOLE		1,388	0	0
REPUBLIC SVCS INC	COM	760759100	351,872	1,752	SH		SOLE		1,752	0	0
SALESFORCE INC	COM	79466L302	41,057	150	SH		DFND		150	0	0
SALESFORCE INC	COM	79466L302	2,068,700	7,558	SH		SOLE		7,558	0	0
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	279,723	2,685	SH		SOLE		2,685	0	0
SERVICENOW INC	COM	81762P102	49,191	55	SH		DFND		55	0	0
SERVICENOW INC	COM	81762P102	2,492,665	2,787	SH		SOLE		2,787	0	0
SPDR S&P 500 ETF TR	TR UNIT	78462F103	635,152	1,107	SH		SOLE		1,107	0	0
STRYKER CORPORATION	COM	863667101	41,545	115	SH		DFND		115	0	0
STRYKER CORPORATION	COM	863667101	1,898,060	5,254	SH		SOLE		5,254	0	0
TAPESTRY INC	COM	876030107	8,081	172	SH		DFND		172	0	0
TAPESTRY INC	COM	876030107	199,900	4,255	SH		SOLE		4,255	0	0
TARGET CORP	COM	87612E106	21,041	135	SH		DFND		135	0	0
TARGET CORP	COM	87612E106	348,971	2,239	SH		SOLE		2,239	0	0
THERMO FISHER SCIENTIFIC INC	COM	883556102	60,620	98	SH		DFND		98	0	0
THERMO FISHER SCIENTIFIC INC	COM	883556102	2,812,638	4,547	SH		SOLE		4,547	0	0
TJX COS INC NEW	COM	872540109	281,978	2,399	SH		SOLE		2,399	0	0
TORONTO DOMINION BK ONT	COM NEW	891160509	237,225	3,750	SH		SOLE		3,750	0	0
UNION PAC CORP	COM	907818108	367,255	1,490	SH		DFND		27	0	1,463
UNION PAC CORP	COM	907818108	472,009	1,915	SH		SOLE		1,915	0	0
UNITED RENTALS INC	COM	911363109	79,354	98	SH		DFND		98	0	0
UNITED RENTALS INC	COM	911363109	2,906,931	3,590	SH		SOLE		3,590	0	0
UNITEDHEALTH GROUP INC	COM	91324P102	55,545	95	SH		DFND		95	0	0
UNITEDHEALTH GROUP INC	COM	91324P102	3,125,699	5,346	SH		SOLE		5,346	0	0
VANGUARD INDEX FDS	MID CAP ETF	922908629	253,541	961	SH		SOLE		961	0	0
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	294,306	3,021	SH		SOLE		3,021	0	0
VANGUARD MUN BD FDS	TAX EXEMPT BD	922907746	1,044,382	20,430	SH		SOLE		20,430	0	0
VEEVA SYS INC	CL A COM	922475108	13,642	65	SH		DFND		65	0	0
VEEVA SYS INC	CL A COM	922475108	758,470	3,614	SH		SOLE		3,614	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	51,691	1,151	SH		DFND		1,151	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	2,374,796	52,879	SH		SOLE		52,879	0	0
VISA INC	COM CL A	92826C839	48,116	175	SH		DFND		175	0	0
VISA INC	COM CL A	92826C839	2,594,153	9,435	SH		SOLE		9,435	0	0
VISTRA CORP	COM	92840M102	448,081	3,780	SH		SOLE		3,780	0	0
WALMART INC	COM	931142103	12,597	156	SH		DFND		156	0	0
WALMART INC	COM	931142103	631,869	7,825	SH		SOLE		7,825	0	0
ZOETIS INC	CL A	98978V103	245,397	1,256	SH		SOLE		1,256	0	0