The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete. | |||||||||||||||||||||
| UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 13F FORM 13F INFORMATION TABLE |
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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 |
| 3M Company | COM | 88579y101 | 341,830 | 2,648 | SH | DFND | 1 | 0 | 0 | 2,648 | |
| Alphabet Inc. Class A | COM | 02079k305 | 75,720 | 400 | SH | DFND | 1 | 400 | 0 | 0 | |
| American Express Co. | COM | 025816109 | 3,963,630 | 13,355 | SH | DFND | 1 | 0 | 0 | 13,355 | |
| Ameriprise Financial Inc. | COM | 03076c106 | 2,063,166 | 3,875 | SH | DFND | 1 | 0 | 0 | 3,875 | |
| Apple Inc. | COM | 037833100 | 82,639 | 330 | SH | DFND | 1 | 330 | 0 | 0 | |
| AT&T Inc. | COM | 00206r102 | 149,849 | 6,581 | SH | DFND | 1 | 0 | 0 | 6,581 | |
| Berkshire Hathaway Inc. Class | COM | 084670702 | 226,640 | 500 | SH | DFND | 1 | 500 | 0 | 0 | |
| Coca-Cola Co. | COM | 191216100 | 1,137,864 | 18,276 | SH | DFND | 1 | 18,276 | 0 | 0 | |
| Danaher Corp. | COM | 235851102 | 32,137 | 140 | SH | DFND | 1 | 140 | 0 | 0 | |
| DFA U.S. Small Cap ETF | COM | 25434v500 | 1,374,945 | 21,127 | SH | DFND | 1 | 21,127 | 0 | 0 | |
| Dimensional US Marketwide Valu | COM | 25434v724 | 927,738 | 22,672 | SH | DFND | 1 | 22,672 | 0 | 0 | |
| Energy Transfer LP | COM | 29273v100 | 1,959 | 100 | SH | DFND | 1 | 0 | 0 | 100 | |
| Enterprise Products Partners L | COM | 293792107 | 3,105 | 99 | SH | DFND | 1 | 0 | 0 | 99 | |
| Exxon Mobil Corp. | COM | 30231g102 | 12,482,100 | 116,037 | SH | DFND | 1 | 111,537 | 0 | 4,500 | |
| Fidelity Wise Origin Bitcoin E | COM | 315948109 | 76,277 | 935 | SH | DFND | 1 | 935 | 0 | 0 | |
| Flex Ltd. | COM | y2573f102 | 1,958 | 51 | SH | DFND | 1 | 0 | 0 | 51 | |
| FS Specialty Lending Fund | COM | 30264d109 | 52,194 | 15,306 | SH | DFND | 1 | 15,306 | 0 | 0 | |
| GE HealthCare Technologies Inc | COM | 36266g107 | 41,983 | 537 | SH | DFND | 1 | 0 | 0 | 537 | |
| GE Vernova Inc | COM | 36828a101 | 132,559 | 403 | SH | DFND | 1 | 0 | 0 | 403 | |
| Gen Digital Inc. | COM | 668771108 | 45,998 | 1,680 | SH | DFND | 1 | 0 | 0 | 1,680 | |
| General Electric Co. | COM | 369604301 | 269,032 | 1,613 | SH | DFND | 1 | 0 | 0 | 1,613 | |
| Honeywell International Inc. | COM | 438516106 | 27,107 | 120 | SH | DFND | 1 | 120 | 0 | 0 | |
| International Business Machine | COM | 459200101 | 184,218 | 838 | SH | DFND | 1 | 0 | 0 | 838 | |
| International Paper Co. | COM | 460146103 | 4,575 | 85 | SH | DFND | 1 | 85 | 0 | 0 | |
| Invesco NASDAQ 100 ETF | COM | 46138g649 | 5,261 | 25 | SH | DFND | 1 | 25 | 0 | 0 | |
| Invesco QQQ Trust ETF | COM | 46090e103 | 628,813 | 1,230 | SH | DFND | 1 | 1,230 | 0 | 0 | |
| iShares Core S&P 500 ETF | COM | 464287200 | 24,430,809 | 41,501 | SH | DFND | 1 | 41,501 | 0 | 0 | |
| iShares Core S&P MidCap ETF | COM | 464287507 | 1,836,836 | 29,479 | SH | DFND | 1 | 29,479 | 0 | 0 | |
| iShares Core S&P US Value ETF | COM | 464287663 | 157,866 | 1,705 | SH | DFND | 1 | 1,705 | 0 | 0 | |
| iShares MSCI EAFE ETF | COM | 464287465 | 1,372,095 | 18,147 | SH | DFND | 1 | 18,147 | 0 | 0 | |
| iShares MSCI EAFE Small Cap ET | COM | 464288273 | 62,937 | 1,036 | SH | DFND | 1 | 1,036 | 0 | 0 | |
| iShares MSCI Emerging Mkts ETF | COM | 464287234 | 33,874 | 810 | SH | DFND | 1 | 810 | 0 | 0 | |
| iShares Russell 1000 Index ETF | COM | 464287622 | 4,821,769 | 14,967 | SH | DFND | 1 | 14,967 | 0 | 0 | |
| iShares Russell 2000 ETF | COM | 464287655 | 1,383,652 | 6,262 | SH | DFND | 1 | 6,262 | 0 | 0 | |
| iShares Russell 2000 Value Ind | COM | 464287630 | 573,610 | 3,494 | SH | DFND | 1 | 3,494 | 0 | 0 | |
| iShares Russell Midcap ETF | COM | 464287499 | 182,281 | 2,062 | SH | DFND | 1 | 2,062 | 0 | 0 | |
| iShares S&P MidCap 400 Growth | COM | 464287606 | 1,697,663 | 18,670 | SH | DFND | 1 | 18,183 | 0 | 487 | |
| iShares S&P MidCap 400 Value I | COM | 464287705 | 1,751,439 | 14,016 | SH | DFND | 1 | 13,650 | 0 | 366 | |
| iShares S&P Small Cap 600 Inde | COM | 464287804 | 1,467,788 | 12,739 | SH | DFND | 1 | 12,739 | 0 | 0 | |
| Johnson & Johnson | COM | 478160104 | 133,050 | 920 | SH | DFND | 1 | 920 | 0 | 0 | |
| KeyCorp | COM | 493267108 | 20,568 | 1,200 | SH | DFND | 1 | 1,200 | 0 | 0 | |
| Kroger Co. | COM | 501044101 | 2,874 | 47 | SH | DFND | 1 | 47 | 0 | 0 | |
| Kyndryl Holdings Inc. | COM | 50155q100 | 5,778 | 167 | SH | DFND | 1 | 0 | 0 | 167 | |
| Lehman Brothers Holding Escrow | COM | 524esc100 | 0 | 7,875 | SH | DFND | 1 | 0 | 0 | 7,875 | |
| MFS Multimarket Income Trust C | COM | 552737108 | 18,103 | 3,860 | SH | DFND | 1 | 3,860 | 0 | 0 | |
| Nike Inc. B | COM | 654106103 | 25,728 | 340 | SH | DFND | 1 | 340 | 0 | 0 | |
| Novartis AG ADR | COM | 66987v109 | 9,731 | 100 | SH | DFND | 1 | 100 | 0 | 0 | |
| Nuveen Muni Value Fund Inc. CE | COM | 670928100 | 784,765 | 91,358 | SH | DFND | 1 | 91,358 | 0 | 0 | |
| NVIDIA Corp. | COM | 67066g104 | 20,144 | 150 | SH | DFND | 1 | 0 | 0 | 150 | |
| Oracle Corp. | COM | 68389x105 | 63,323 | 380 | SH | DFND | 1 | 380 | 0 | 0 | |
| PepsiCo Inc. | COM | 713448108 | 1,521 | 10 | SH | DFND | 1 | 10 | 0 | 0 | |
| Pfizer Inc. | COM | 717081103 | 32,526 | 1,226 | SH | DFND | 1 | 0 | 0 | 1,226 | |
| Procter & Gamble Co. | COM | 742718109 | 768,340 | 4,583 | SH | DFND | 1 | 0 | 0 | 4,583 | |
| Solventum Corp | COM | 83444m101 | 43,732 | 662 | SH | DFND | 1 | 0 | 0 | 662 | |
| SPDR Gold Shares ETF | COM | 78463v107 | 666,100 | 2,751 | SH | DFND | 1 | 2,751 | 0 | 0 | |
| SPDR S&P 500 ETF | COM | 78462f103 | 286,593 | 489 | SH | DFND | 1 | 321 | 0 | 168 | |
| SPDR S&P 600 Small Cap Value E | COM | 78464a300 | 35,773 | 410 | SH | DFND | 1 | 410 | 0 | 0 | |
| Tesla Motors Inc. | COM | 88160r101 | 5,654 | 14 | SH | DFND | 1 | 14 | 0 | 0 | |
| Thermo Fisher Scientific Inc. | COM | 883556102 | 54,624 | 105 | SH | DFND | 1 | 105 | 0 | 0 | |
| TJX Companies Inc. | COM | 872540109 | 62,821 | 520 | SH | DFND | 1 | 520 | 0 | 0 | |
| Vanguard FTSE Developed Market | COM | 921943858 | 4,869,798 | 101,836 | SH | DFND | 1 | 101,836 | 0 | 0 | |
| Vanguard FTSE Emerging Markets | COM | 922042858 | 259,572 | 5,894 | SH | DFND | 1 | 5,894 | 0 | 0 | |
| Vanguard Mid Cap ETF | COM | 922908629 | 218,436 | 827 | SH | DFND | 1 | 827 | 0 | 0 | |
| Vanguard Real Estate Index ETF | COM | 922908553 | 44,896 | 504 | SH | DFND | 1 | 0 | 0 | 504 | |
| Vanguard Russell 1000 ETF | COM | 92206c730 | 353,137 | 1,324 | SH | DFND | 1 | 1,324 | 0 | 0 | |
| Vanguard S&P 500 ETF | COM | 922908363 | 637,412 | 1,183 | SH | DFND | 1 | 1,183 | 0 | 0 | |
| Vanguard S&P Mid-Cap 400 Value | COM | 921932844 | 75,585 | 791 | SH | DFND | 1 | 791 | 0 | 0 | |
| Vanguard Small Cap ETF | COM | 922908751 | 194,867 | 811 | SH | DFND | 1 | 811 | 0 | 0 | |
| Vanguard Total Intl Stock ETF | COM | 921909768 | 71,246 | 1,209 | SH | DFND | 1 | 0 | 0 | 1,209 | |
| Vanguard Total Stock Market ET | COM | 922908769 | 742,203 | 2,561 | SH | DFND | 1 | 2,561 | 0 | 0 | |
| Vanguard Value Index ETF | COM | 922908744 | 1,037,132 | 6,126 | SH | DFND | 1 | 6,126 | 0 | 0 | |
| Verizon Communications Inc. | COM | 92343v104 | 5,999 | 150 | SH | DFND | 1 | 150 | 0 | 0 | |
| Viatris Inc. | COM | 92556v106 | 1,892 | 152 | SH | DFND | 1 | 0 | 0 | 152 | |
| Warner Bros.Discovery Inc. Cla | COM | 934423104 | 16,827 | 1,592 | SH | DFND | 1 | 0 | 0 | 1,592 | |
| Westinghouse Air Brake Technol | COM | 929740108 | 12,892 | 68 | SH | DFND | 1 | 0 | 0 | 68 | |
| Zimmer Biomet Holdings Inc. | COM | 98956p102 | 1,479 | 14 | SH | DFND | 1 | 14 | 0 | 0 | |
