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: July 31, 2015
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
AT&T INC Com 00206R102 5,906,365 204,090 SH SOLE 0 201,006 0 3,084
AT&T INC Com 00206R102 364,384 12,591 SH DFND 0 12,591 0 0
ABBOTT LABORATORIES Com 002824100 2,331,483 17,142 SH SOLE 0 17,142 0 0
ABBOTT LABORATORIES Com 002824100 112,344 826 SH DFND 0 826 0 0
ABBVIE INC Com 00287Y109 3,535,690 19,048 SH SOLE 0 19,048 0 0
ABBVIE INC Com 00287Y109 102,648 553 SH DFND 0 553 0 0
ADOBE INC Com 00724F101 5,003,906 12,934 SH SOLE 0 12,725 0 209
AIR PRODUCTS & CHEMICALS INC Com 009158106 283,188 1,004 SH SOLE 0 1,004 0 0
ALPHABET INC CL C Com 02079K107 6,234,726 35,147 SH SOLE 0 34,947 0 200
ALPHABET INC CL C Com 02079K107 166,747 940 SH DFND 0 940 0 0
ALPHABET INC CL A Com 02079K305 17,781,783 100,901 SH SOLE 0 99,826 0 1,075
ALPHABET INC CL A Com 02079K305 165,656 940 SH DFND 0 940 0 0
AMAZON COM INC Com 023135106 19,686,962 89,735 SH SOLE 0 88,924 0 811
AMAZON COM INC Com 023135106 92,144 420 SH DFND 0 420 0 0
AMEREN CORP Com 023608102 459,647 4,786 SH SOLE 0 4,786 0 0
AMERICAN ELECTRIC POWER CO INC Com 025537101 4,705,205 45,347 SH SOLE 0 45,202 0 145
AMERICAN EXPRESS CO Com 025816109 1,663,162 5,214 SH SOLE 0 5,214 0 0
AMERICAN TOWER CORP Com 03027X100 1,217,378 5,508 SH SOLE 0 5,508 0 0
CENCORA INC Com 03073E105 2,707,945 9,031 SH SOLE 0 9,031 0 0
AMERIPRISE FINANCIAL INC Com 03076C106 379,482 711 SH SOLE 0 711 0 0
AMGEN INC Com 031162100 7,141,354 25,577 SH SOLE 0 25,527 0 50
AMGEN INC Com 031162100 799,937 2,865 SH DFND 0 2,865 0 0
ANALOG DEVICES INC Com 032654105 411,775 1,730 SH SOLE 0 1,730 0 0
APPLE INC Com 037833100 49,634,316 241,918 SH SOLE 0 239,805 0 2,113
APPLE INC Com 037833100 709,068 3,456 SH DFND 0 3,456 0 0
APPLIED MATERIALS INC Com 038222105 1,187,392 6,486 SH SOLE 0 6,486 0 0
ATLANTIC UNION BANKSHARES CORP Com 04911A107 421,592 13,478 SH SOLE 0 13,478 0 0
ATMOS ENERGY CORP Com 049560105 1,011,116 6,561 SH SOLE 0 6,486 0 75
AUTOMATIC DATA PROCESSING INC Com 053015103 2,472,443 8,017 SH SOLE 0 8,017 0 0
AUTOMATIC DATA PROCESSING INC Com 053015103 252,888 820 SH DFND 0 820 0 0
AUTOZONE INC Com 053332102 397,209 107 SH SOLE 0 107 0 0
BALL CORP Com 058498106 253,415 4,518 SH SOLE 0 4,518 0 0
BANK OF AMERICA CORP Com 060505104 458,294 9,685 SH SOLE 0 9,685 0 0
BANK OF AMERICA CORP Com 060505104 70,980 1,500 SH DFND 0 1,500 0 0
BANK OF NEW YORK MELLON CORP Com 064058100 267,772 2,939 SH SOLE 0 2,939 0 0
BERKSHIRE HATHAWAY INC A Com 084670108 728,800 1 SH SOLE 0 1 0 0
BERKSHIRE HATHAWAY INC B Com 084670702 14,995,720 30,870 SH SOLE 0 30,563 0 307
BERKSHIRE HATHAWAY INC B Com 084670702 99,097 204 SH DFND 0 204 0 0
BLACKROCK INC Com 09290D101 1,120,599 1,068 SH SOLE 0 1,059 0 9
BOOKING HOLDINGS INC Com 09857L108 301,040 52 SH SOLE 0 52 0 0
BRISTOL MYERS SQUIBB CO Com 110122108 640,700 13,841 SH SOLE 0 13,841 0 0
BRISTOL MYERS SQUIBB CO Com 110122108 222,886 4,815 SH DFND 0 4,815 0 0
BROADCOM INC Com 11135F101 38,202,885 138,592 SH SOLE 0 136,510 0 2,082
BROADCOM INC Com 11135F101 639,508 2,320 SH DFND 0 2,320 0 0
CSX CORP Com 126408103 580,194 17,781 SH SOLE 0 17,781 0 0
CAMDEN NATIONAL CORP Com 133034108 318,269 7,843 SH SOLE 0 7,843 0 0
CARRIER GLOBAL CORP Com 14448C104 758,834 10,368 SH SOLE 0 10,368 0 0
CARRIER GLOBAL CORP Com 14448C104 21,957 300 SH DFND 0 300 0 0
CATERPILLAR INC Com 149123101 4,816,133 12,406 SH SOLE 0 12,346 0 60
CATERPILLAR INC Com 149123101 33,386 86 SH DFND 0 86 0 0
CHEVRON CORPORATION Com 166764100 1,209,956 8,450 SH SOLE 0 8,450 0 0
CHEVRON CORPORATION Com 166764100 330,339 2,307 SH DFND 0 2,307 0 0
CISCO SYSTEMS INC Com 17275R102 14,309,278 206,245 SH SOLE 0 204,752 0 1,493
CISCO SYSTEMS INC Com 17275R102 267,391 3,854 SH DFND 0 3,854 0 0
COCA COLA CO Com 191216100 1,428,372 20,189 SH SOLE 0 20,189 0 0
COCA COLA CO Com 191216100 38,700 547 SH DFND 0 547 0 0
COLGATE PALMOLIVE INC Com 194162103 296,152 3,258 SH SOLE 0 3,258 0 0
COMCAST CORP Com 20030N101 4,038,074 113,143 SH SOLE 0 113,143 0 0
COMCAST CORP Com 20030N101 7,709 216 SH DFND 0 216 0 0
COMERICA INC Com 200340107 775,450 13,000 SH SOLE 0 13,000 0 0
CONSOLIDATED EDISON INC Com 209115104 657,694 6,554 SH SOLE 0 6,554 0 0
COSTCO WHOLESALE CORP Com 22160K105 1,773,972 1,792 SH SOLE 0 1,792 0 0
COUPANG INC Com 22266T109 542,426 18,105 SH SOLE 0 18,105 0 0
DANAHER CORP Com 235851102 1,083,309 5,484 SH SOLE 0 5,484 0 0
DANAHER CORP Com 235851102 9,087 46 SH DFND 0 46 0 0
DEERE & COMPANY Com 244199105 575,102 1,131 SH SOLE 0 1,131 0 0
DEERE & COMPANY Com 244199105 13,221 26 SH DFND 0 26 0 0
DIMENSIONAL EMERG CORE EQ MKT ETF Com 25434V302 28,922,005 999,033 SH SOLE 0 996,026 0 3,007
DIMENSIONAL EMERG CORE EQ MKT ETF Com 25434V302 4,371 151 SH DFND 0 151 0 0
WALT DISNEY CO Com 254687106 657,253 5,300 SH SOLE 0 5,300 0 0
WALT DISNEY CO Com 254687106 12,401 100 SH DFND 0 100 0 0
EOG RESOURCES INC Com 26875P101 3,841,395 32,116 SH SOLE 0 32,031 0 85
EOG RESOURCES INC Com 26875P101 27,989 234 SH DFND 0 234 0 0
EASTERN BANKSHARES INC Com 27627N105 174,047 11,398 SH SOLE 0 11,398 0 0
ECOLAB INC Com 278865100 324,675 1,205 SH SOLE 0 1,205 0 0
EDWARDS LIFESCIENCES CORP Com 28176E108 1,121,375 14,338 SH SOLE 0 14,338 0 0
EDWARDS LIFESCIENCES CORP Com 28176E108 3,911 50 SH DFND 0 50 0 0
EMERSON ELECTRIC CO Com 291011104 3,132,455 23,494 SH SOLE 0 23,299 0 195
EMERSON ELECTRIC CO Com 291011104 130,797 981 SH DFND 0 981 0 0
EVERGY INC Com 30034W106 4,239,884 61,510 SH SOLE 0 61,260 0 250
EXELON CORP Com 30161N101 266,078 6,128 SH SOLE 0 6,128 0 0
EXXON MOBIL CORP Com 30231G102 4,265,215 39,566 SH SOLE 0 39,566 0 0
EXXON MOBIL CORP Com 30231G102 83,545 775 SH DFND 0 775 0 0
META PLATFORMS INC Com 30303M102 922,613 1,250 SH SOLE 0 1,250 0 0
META PLATFORMS INC Com 30303M102 66,428 90 SH DFND 0 90 0 0
FIRST TRUST GLOBAL WIND ENERGY ETF Com 33736G106 1,019,287 56,190 SH SOLE 0 55,797 0 393
FIRST TRUST GLOBAL WIND ENERGY ETF Com 33736G106 13,442 741 SH DFND 0 741 0 0
FLEXSHARES MSTAR GLOB UPSTREAM NAT RES ETF Com 33939L407 7,155,664 178,401 SH SOLE 0 177,076 0 1,325
FLEXSHARES QUALITY DIV DEFENSIVE ETF Com 33939L845 423,941 5,725 SH SOLE 0 5,725 0 0
FLEXSHARES QUALITY DVD ETF Com 33939L860 12,171,956 166,329 SH SOLE 0 164,829 0 1,500
GE VERNOVA LLC Com 36828A101 204,781 387 SH SOLE 0 387 0 0
GE VERNOVA LLC Com 36828A101 25,928 49 SH DFND 0 49 0 0
GE AEROSPACE Com 369604301 636,011 2,471 SH SOLE 0 2,471 0 0
GE AEROSPACE Com 369604301 64,348 250 SH DFND 0 250 0 0
GSK PLC Com 37733W204 1,890,394 49,229 SH SOLE 0 49,229 0 0
GSK PLC Com 37733W204 19,968 520 SH DFND 0 520 0 0
GOLDMAN SACHS GROUP INC Com 38141G104 309,287 437 SH SOLE 0 437 0 0
GOLDMAN SACHS ACTIVEBETA INTL EQUITY ETF Com 381430107 20,151,325 508,102 SH SOLE 0 504,986 0 3,116
GOLDMAN SACHS ACTIVEBETA INTL EQUITY ETF Com 381430107 28,159 710 SH DFND 0 710 0 0
GOLDMAN SACHS ACTIVEBETA US LGE CAP EQ ETF Com 381430503 12,718,318 104,781 SH SOLE 0 104,781 0 0
GOLDMAN SACHS ACTIVEBETA US LGE CAP EQ ETF Com 381430503 19,906 164 SH DFND 0 164 0 0
JACK HENRY & ASSOCIATES INC Com 426281101 237,824 1,320 SH SOLE 0 1,320 0 0
HERSHEY COMPANY Com 427866108 461,673 2,782 SH SOLE 0 2,782 0 0
HOLOGIC INC Com 436440101 202,582 3,109 SH SOLE 0 3,109 0 0
HOME DEPOT INC Com 437076102 11,806,175 32,201 SH SOLE 0 31,966 0 235
HOME DEPOT INC Com 437076102 274,247 748 SH DFND 0 748 0 0
HONEYWELL INTL INC Com 438516106 10,119,800 43,455 SH SOLE 0 43,385 0 70
HUNTINGTON BANCSHARES INC Com 446150104 182,583 10,894 SH SOLE 0 10,894 0 0
ILLINOIS TOOL WORKS INC Com 452308109 312,030 1,262 SH SOLE 0 1,262 0 0
ILLINOIS TOOL WORKS INC Com 452308109 606,504 2,453 SH DFND 0 2,453 0 0
INGERSOLL RAND INC Com 45687V106 159,207 1,914 SH SOLE 0 1,914 0 0
INGERSOLL RAND INC Com 45687V106 81,433 979 SH DFND 0 979 0 0
INTEL CORP Com 458140100 321,395 14,348 SH SOLE 0 14,348 0 0
INTEL CORP Com 458140100 114,778 5,124 SH DFND 0 5,124 0 0
INTERCONTINENTAL EXCHANGE INC Com 45866F104 277,407 1,512 SH SOLE 0 1,512 0 0
INTERNATIONAL BUSINESS MACHINES CORP Com 459200101 4,735,935 16,066 SH SOLE 0 16,016 0 50
INTERNATIONAL BUSINESS MACHINES CORP Com 459200101 58,956 200 SH DFND 0 200 0 0
INVESCO QQQ TRUST SERIES 1 ETF Com 46090E103 843,458 1,529 SH SOLE 0 1,529 0 0
INTUIT Com 461202103 2,709,447 3,440 SH SOLE 0 3,421 0 19
INTUITIVE SURGICAL INC Com 46120E602 217,907 401 SH SOLE 0 401 0 0
INVESCO WATER RESOURCES ETF Com 46137V142 907,502 12,981 SH SOLE 0 12,867 0 114
INVESCO WATER RESOURCES ETF Com 46137V142 34,955 500 SH DFND 0 500 0 0
INVESCO KBW BANK PORT ETF Com 46138E628 19,281,178 269,215 SH SOLE 0 267,298 0 1,917
ISHARES CORE S&P TOT US STK MKT ETF Com 464287150 277,102 2,052 SH SOLE 0 2,052 0 0
ISHARES SELECT DIVIDEND ETF Com 464287168 648,113 4,880 SH SOLE 0 4,880 0 0
ISHARES CORE S&P 500 ETF Com 464287200 75,450,526 121,518 SH SOLE 0 121,170 0 348
ISHARES CORE S&P 500 ETF Com 464287200 13,039 21 SH DFND 0 21 0 0
ISHARES CORE TOT AGGR US BOND ETF Com 464287226 880,797 8,879 SH SOLE 0 8,879 0 0
ISHARES IBOXX INV GRADE CORP BD ETF Com 464287242 1,057,079 9,644 SH SOLE 0 9,644 0 0
ISHARES S&P GROWTH INDEX ETF Com 464287309 261,047 2,371 SH SOLE 0 2,371 0 0
ISHARES MSCI EAFE INDEX ETF Com 464287465 1,214,274 13,584 SH SOLE 0 13,584 0 0
ISHARES MSCI EAFE INDEX ETF Com 464287465 72,048 806 SH DFND 0 806 0 0
ISHARES RUSSELL MID CAP ETF Com 464287499 424,809 4,619 SH SOLE 0 4,619 0 0
ISHARES CORE S&P MIDCAP ETF Com 464287507 1,256,091 20,253 SH SOLE 0 20,253 0 0
ISHARES RUSSELL 1000 VALUE ETF Com 464287598 265,124 1,365 SH SOLE 0 1,365 0 0
ISHARES RUSSELL 1000 GROWTH ETF Com 464287614 941,294 2,217 SH SOLE 0 2,217 0 0
ISHARES RUSSELL 2000 VALUE ETF Com 464287630 216,920 1,375 SH SOLE 0 1,375 0 0
ISHARES RUSSELL 2000 ETF Com 464287655 345,264 1,600 SH SOLE 0 1,600 0 0
ISHARES RUSSELL 3000 ETF Com 464287689 1,763,424 5,024 SH SOLE 0 5,024 0 0
ISHARES CORE S&P SMALL CAP ETF Com 464287804 593,226 5,428 SH SOLE 0 5,428 0 0
ISHARES CORE S&P SMALL CAP ETF Com 464287804 19,891 182 SH DFND 0 182 0 0
ISHARES CALIFORNIA MUNI BOND ETF Com 464288356 334,440 6,000 SH SOLE 0 6,000 0 0
ISHARES NATL MUNI BOND ETF Com 464288414 23,290,264 222,916 SH SOLE 0 219,402 0 3,514
ISHARES NATL MUNI BOND ETF Com 464288414 320,545 3,068 SH DFND 0 3,068 0 0
ISHARES 5-10 YR INV GRADE CORP BOND ETF Com 464288638 226,962 4,259 SH SOLE 0 4,259 0 0
ISHARES 3-7 YEAR TREAS BOND ETF Com 464288661 227,819 1,913 SH SOLE 0 1,913 0 0
ISHARES MSCI USA ESG SELECT SOCIAL IDX ETF Com 464288802 2,832,482 22,347 SH SOLE 0 22,187 0 160
ISHARES MSCI EAFE GROWTH ETF Com 464288885 379,456 3,388 SH SOLE 0 3,388 0 0
ISHARES MSCI EAFE MIN VOL FACTOR ETF Com 46429B689 12,564,280 149,468 SH SOLE 0 149,068 0 400
ISHARES MSCI EAFE MIN VOL FACTOR ETF Com 46429B689 24,125 287 SH DFND 0 287 0 0
ISHARES EDGE MSCI MIN VOL USA ETF Com 46429B697 334,271 3,561 SH SOLE 0 3,561 0 0
ISHARES EDGE MSCI USA QUAL FACT ETF Com 46432F339 602,758 3,297 SH SOLE 0 3,297 0 0
ISHARES CORE MSCI EAFE ETF Com 46432F842 50,473,010 604,612 SH SOLE 0 601,580 0 3,032
ISHARES CORE MSCI EAFE ETF Com 46432F842 95,334 1,142 SH DFND 0 1,142 0 0
ISHARES U S EQUITY FACTOR ETF Com 46434V282 375,930 5,862 SH SOLE 0 5,862 0 0
ISHARES MSCI INTL QUAL FACTOR ETF Com 46434V456 18,577,685 429,840 SH SOLE 0 428,815 0 1,025
ISHARES MSCI INTL QUAL FACTOR ETF Com 46434V456 29,779 689 SH DFND 0 689 0 0
ISHARES CORE DIVIDEND GROWTH ETF Com 46434V621 72,126,110 1,128,028 SH SOLE 0 1,125,836 0 2,192
ISHARES CORE DIVIDEND GROWTH ETF Com 46434V621 49,362 772 SH DFND 0 772 0 0
ISHARES IBONDS DEC 2025 TERM CORP ETF Com 46434VBD1 240,091 9,535 SH SOLE 0 9,535 0 0
ISHARES IBONDS DEC 2026 TERM CORP ETF Com 46435GAA0 290,733 11,989 SH SOLE 0 11,989 0 0
JPMORGAN CHASE & CO Com 46625H100 23,425,598 80,803 SH SOLE 0 80,380 0 423
JPMORGAN CHASE & CO Com 46625H100 140,606 485 SH DFND 0 485 0 0
JPMORGAN US QUALITY FACTOR ETF Com 46641Q761 9,915,516 165,121 SH SOLE 0 165,121 0 0
JPMORGAN US QUALITY FACTOR ETF Com 46641Q761 10,749 179 SH DFND 0 179 0 0
JOHNSON & JOHNSON CO Com 478160104 7,608,936 49,813 SH SOLE 0 49,353 0 460
JOHNSON & JOHNSON CO Com 478160104 175,357 1,148 SH DFND 0 1,148 0 0
KLA CORP Com 482480100 261,556 292 SH SOLE 0 292 0 0
KELLANOVA Com 487836108 306,509 3,854 SH SOLE 0 3,854 0 0
KIMBERLY-CLARK CORP Com 494368103 939,182 7,285 SH SOLE 0 7,285 0 0
KIMBERLY-CLARK CORP Com 494368103 64,460 500 SH DFND 0 500 0 0
KROGER CO Com 501044101 14,521,810 202,451 SH SOLE 0 201,099 0 1,352
KROGER CO Com 501044101 58,603 817 SH DFND 0 817 0 0
ELI LILLY & CO Com 532457108 3,288,837 4,219 SH SOLE 0 4,219 0 0
ELI LILLY & CO Com 532457108 517,608 664 SH DFND 0 664 0 0
LINCOLN ELECTRIC HOLDINGS Com 533900106 2,799,027 13,501 SH SOLE 0 13,201 0 300
LOCKHEED MARTIN CORP Com 539830109 2,733,915 5,903 SH SOLE 0 5,870 0 33
LOWES COMPANIES INC Com 548661107 7,329,697 33,036 SH SOLE 0 32,976 0 60
MARSH & MCLENNAN CO INC Com 571748102 1,712,607 7,833 SH SOLE 0 7,783 0 50
MASCO CORP Com 574599106 3,502,536 54,421 SH SOLE 0 54,221 0 200
MASCO CORP Com 574599106 26,452 411 SH DFND 0 411 0 0
MASTERCARD INC CL A Com 57636Q104 2,540,531 4,521 SH SOLE 0 4,249 0 272
MASTERCARD INC CL A Com 57636Q104 28,097 50 SH DFND 0 50 0 0
MCDONALDS CORP Com 580135101 1,269,771 4,346 SH SOLE 0 4,346 0 0
MCDONALDS CORP Com 580135101 59,018 202 SH DFND 0 202 0 0
MERCK & CO INC Com 58933Y105 6,601,865 83,399 SH SOLE 0 83,165 0 234
MERCK & CO INC Com 58933Y105 118,740 1,500 SH DFND 0 1,500 0 0
METLIFE INC Com 59156R108 4,621,416 57,466 SH SOLE 0 57,366 0 100
METLIFE INC Com 59156R108 6,514 81 SH DFND 0 81 0 0
MICROSOFT CORP Com 594918104 58,193,986 116,994 SH SOLE 0 116,075 0 919
MICROSOFT CORP Com 594918104 866,986 1,743 SH DFND 0 1,743 0 0
MONDELEZ INTERNATIONAL INC A Com 609207105 590,774 8,760 SH SOLE 0 8,760 0 0
MORGAN STANLEY Com 617446448 665,141 4,722 SH SOLE 0 4,722 0 0
NASDAQ INC Com 631103108 132,252 1,479 SH SOLE 0 1,479 0 0
NASDAQ INC Com 631103108 160,956 1,800 SH DFND 0 1,800 0 0
NETFLIX INC Com 64110L106 250,417 187 SH SOLE 0 187 0 0
NEXTERA ENERGY INC Com 65339F101 3,323,621 47,877 SH SOLE 0 47,877 0 0
NIKE INC CLASS B Com 654106103 868,180 12,221 SH SOLE 0 12,221 0 0
NIKE INC CLASS B Com 654106103 5,328 75 SH DFND 0 75 0 0
NOVARTIS AG SPON ADR Com 66987V109 211,525 1,748 SH SOLE 0 1,748 0 0
NOVO-NORDISK A/S SPONS ADR Com 670100205 92,418 1,339 SH SOLE 0 1,339 0 0
NOVO-NORDISK A/S SPONS ADR Com 670100205 152,120 2,204 SH DFND 0 2,204 0 0
NVIDIA CORP Com 67066G104 4,288,797 27,146 SH SOLE 0 27,146 0 0
NUVEEN ESG INTL DEV MKTS EQ ETF Com 67092P805 1,415,980 39,898 SH SOLE 0 39,349 0 549
ORACLE CORPORATION Com 68389X105 4,074,607 18,637 SH SOLE 0 18,637 0 0
ORACLE CORPORATION Com 68389X105 62,965 288 SH DFND 0 288 0 0
PNC FINANCIAL SERVICES GROUP Com 693475105 346,741 1,860 SH SOLE 0 1,860 0 0
PNC FINANCIAL SERVICES GROUP Com 693475105 11,558 62 SH DFND 0 62 0 0
PPG INDUSTRIES Com 693506107 224,543 1,974 SH SOLE 0 1,974 0 0
PPG INDUSTRIES Com 693506107 32,874 289 SH DFND 0 289 0 0
PPL CORP Com 69351T106 394,886 11,652 SH SOLE 0 11,652 0 0
PAYCHEX INC Com 704326107 311,430 2,141 SH SOLE 0 2,141 0 0
PEPSICO INC Com 713448108 2,095,211 15,868 SH SOLE 0 15,868 0 0
PEPSICO INC Com 713448108 317,292 2,403 SH DFND 0 2,403 0 0
PFIZER INC Com 717081103 4,233,395 174,645 SH SOLE 0 172,954 0 1,691
PFIZER INC Com 717081103 344,014 14,192 SH DFND 0 14,192 0 0
PHILIP MORRIS INTERNATIONAL INC Com 718172109 687,905 3,777 SH SOLE 0 3,777 0 0
PROCTER & GAMBLE CO Com 742718109 13,714,903 86,084 SH SOLE 0 85,394 0 690
PROCTER & GAMBLE CO Com 742718109 201,221 1,263 SH DFND 0 1,263 0 0
PUBLIC SERVICE ENTERPRISE GROUP Com 744573106 304,227 3,614 SH SOLE 0 3,614 0 0
QUALCOMM Com 747525103 206,242 1,295 SH SOLE 0 1,295 0 0
QUALCOMM Com 747525103 16,882 106 SH DFND 0 106 0 0
QUEST DIAGNOSTICS INC Com 74834L100 248,788 1,385 SH SOLE 0 1,385 0 0
RTX CORPORATION Com 75513E101 2,176,282 14,904 SH SOLE 0 14,904 0 0
RTX CORPORATION Com 75513E101 43,806 300 SH DFND 0 300 0 0
REGENERON PHARMACEUTICALS INC Com 75886F107 3,341,625 6,365 SH SOLE 0 6,294 0 71
ROPER TECHNOLOGIES, INC Com 776696106 502,787 887 SH SOLE 0 887 0 0
SHELL PLC ADR Com 780259305 65,904 936 SH SOLE 0 936 0 0
SHELL PLC ADR Com 780259305 278,472 3,955 SH DFND 0 3,955 0 0
S&P GLOBAL INC Com 78409V104 413,923 785 SH SOLE 0 785 0 0
SPDR S&P500 ETF Com 78462F103 4,767,331 7,716 SH SOLE 0 7,716 0 0
SPDR GOLD SHARES ETF Com 78463V107 683,124 2,241 SH SOLE 0 2,241 0 0
SPDR S&P DIVIDEND ETF Com 78464A763 1,652,784 12,177 SH SOLE 0 12,177 0 0
SPDR S&P MIDCAP 400 ETF Com 78467Y107 366,513 647 SH SOLE 0 647 0 0
SALESFORCE INC Com 79466L302 4,238,693 15,544 SH SOLE 0 15,364 0 180
SANOFI ADR Com 80105N105 310,054 6,418 SH SOLE 0 6,418 0 0
SANOFI ADR Com 80105N105 32,416 671 SH DFND 0 671 0 0
CHARLES SCHWAB CORP Com 808513105 494,156 5,416 SH SOLE 0 5,416 0 0
SCHWAB US DIVIDEND EQUITY ETF Com 808524797 18,774,217 708,461 SH SOLE 0 705,661 0 2,800
SPDR HEALTH CARE SEL SECT ETF Com 81369Y209 927,220 6,879 SH SOLE 0 6,879 0 0
SPDR CONSUMER STAPLES SELECT SECTOR ETF Com 81369Y308 1,958,907 24,193 SH SOLE 0 23,903 0 290
SPDR CONSUMER DISC SELECT SECTOR ETF Com 81369Y407 1,470,672 6,767 SH SOLE 0 6,767 0 0
SPDR CONSUMER DISC SELECT SECTOR ETF Com 81369Y407 38,033 175 SH DFND 0 175 0 0
SPDR FINANCIAL SELECT SECTOR ETF Com 81369Y605 4,241,132 80,984 SH SOLE 0 80,984 0 0
SPDR INDUSTRIAL SELECT SECTOR ETF Com 81369Y704 445,363 3,019 SH SOLE 0 3,019 0 0
SPDR TECHNOLOGY SELECT SECTOR ETF Com 81369Y803 4,410,507 17,417 SH SOLE 0 17,417 0 0
SPROTT PHYSICAL GOLD TRUST Com 85207H104 207,540 8,187 SH SOLE 0 8,187 0 0
STARBUCKS CORP Com 855244109 514,411 5,614 SH SOLE 0 5,614 0 0
STARBUCKS CORP Com 855244109 36,652 400 SH DFND 0 400 0 0
STRYKER CORP Com 863667101 690,770 1,746 SH SOLE 0 1,746 0 0
SYSCO CORPORATION Com 871829107 224,418 2,963 SH SOLE 0 2,963 0 0
TJX COMPANIES INC Com 872540109 10,539,872 85,350 SH SOLE 0 83,333 0 2,017
TJX COMPANIES INC Com 872540109 23,463 190 SH DFND 0 190 0 0
T ROWE PRICE CAP APP ETF Com 87283Q867 7,809,828 221,367 SH SOLE 0 221,367 0 0
TARGET CORP Com 87612E106 2,386,738 24,194 SH SOLE 0 24,104 0 90
TARGET CORP Com 87612E106 16,475 167 SH DFND 0 167 0 0
TETRA TECH INC Com 88162G103 653,645 18,177 SH SOLE 0 18,177 0 0
THERMO FISHER SCIENTIFIC Com 883556102 1,120,286 2,763 SH SOLE 0 2,763 0 0
THERMO FISHER SCIENTIFIC Com 883556102 17,435 43 SH DFND 0 43 0 0
3M CO Com 88579Y101 1,215,941 7,987 SH SOLE 0 7,987 0 0
3M CO Com 88579Y101 22,836 150 SH DFND 0 150 0 0
TOTALENERGIES SE SPON ADR Com 89151E109 8,353,153 136,067 SH SOLE 0 135,817 0 250
TRAVELERS COS INC Com 89417E109 561,031 2,097 SH SOLE 0 2,097 0 0
UNION PACIFIC CORP Com 907818108 3,220,200 13,996 SH SOLE 0 13,931 0 65
UNION PACIFIC CORP Com 907818108 207,072 900 SH DFND 0 900 0 0
UNITEDHEALTH GROUP INC Com 91324P102 5,448,556 17,465 SH SOLE 0 17,242 0 223
VALERO ENERGY CORP Com 91913Y100 262,388 1,952 SH SOLE 0 1,952 0 0
VANGUARD DIVIDEND APPREC ETF Com 921908844 6,852,352 33,480 SH SOLE 0 33,480 0 0
VANGUARD ESG INTL STOCK ETF Com 921910725 3,211,465 49,030 SH SOLE 0 48,532 0 498
VANGUARD FTSE DEV MKT ETF Com 921943858 736,569 12,920 SH SOLE 0 12,920 0 0
VANGUARD HIGH DIVIDEND YIELD ETF Com 921946406 485,648 3,643 SH SOLE 0 3,643 0 0
VANGUARD SHORT TERM TIPS ETF Com 922020805 986,599 19,626 SH SOLE 0 19,626 0 0
VANGUARD FTSE PACIFIC ETF Com 922042866 2,770,617 33,714 SH SOLE 0 33,127 0 587
VANGUARD FTSE EUROPE ETF Com 922042874 4,802,985 61,974 SH SOLE 0 61,068 0 906
VANGUARD HEALTH CARE ETF Com 92204A504 211,834 853 SH SOLE 0 853 0 0
VANGUARD INDUSTRIALS ETF Com 92204A603 2,970,142 10,605 SH SOLE 0 10,605 0 0
VANGUARD INDUSTRIALS ETF Com 92204A603 17,924 64 SH DFND 0 64 0 0
VANGUARD INFO TECH ETF Com 92204A702 1,047,319 1,579 SH SOLE 0 1,579 0 0
VANGUARD S&P 500 ETF Com 922908363 717,990 1,264 SH SOLE 0 1,264 0 0
VANGUARD MID CAP VALUE ETF Com 922908512 17,216,166 104,683 SH SOLE 0 103,963 0 720
VANGUARD MID CAP VALUE ETF Com 922908512 38,813 236 SH DFND 0 236 0 0
VANGUARD MID CAP GROWTH ETF Com 922908538 464,409 1,633 SH SOLE 0 1,633 0 0
VANGUARD MID CAP GROWTH ETF Com 922908538 63,988 225 SH DFND 0 225 0 0
VANGUARD REIT INDEX ETF Com 922908553 210,983 2,369 SH SOLE 0 2,369 0 0
VANGUARD REIT INDEX ETF Com 922908553 31,171 350 SH DFND 0 350 0 0
VANGUARD LARGE CAP ETF Com 922908637 10,840,544 37,997 SH SOLE 0 37,997 0 0
VANGUARD TOTAL STOCK MKT ETF Com 922908769 3,318,612 10,919 SH SOLE 0 10,919 0 0
VERIZON COMMUNICATIONS Com 92343V104 353,819 8,177 SH SOLE 0 8,177 0 0
VERIZON COMMUNICATIONS Com 92343V104 203,975 4,714 SH DFND 0 4,714 0 0
VICTORYSHARES FREE CASH FLOW ETF Com 92647X830 5,994,547 169,577 SH SOLE 0 168,791 0 786
VISA INC Com 92826C839 16,637,288 46,859 SH SOLE 0 46,654 0 205
VISA INC Com 92826C839 176,460 497 SH DFND 0 497 0 0
WALMART STORES INC Com 931142103 4,435,594 45,363 SH SOLE 0 44,763 0 600
WALMART STORES INC Com 931142103 401,289 4,104 SH DFND 0 4,104 0 0
WASTE MANAGEMENT Com 94106L109 447,114 1,954 SH SOLE 0 1,954 0 0
YUM BRANDS INC Com 988498101 242,126 1,634 SH SOLE 0 1,634 0 0
YUM BRANDS INC Com 988498101 103,726 700 SH DFND 0 700 0 0
ACCENTURE PLC Com G1151C101 5,892,317 19,714 SH SOLE 0 19,509 0 205
ACCENTURE PLC Com G1151C101 7,472 25 SH DFND 0 25 0 0
EATON CORP PLC Com G29183103 8,613,455 24,128 SH SOLE 0 23,959 0 169
EATON CORP PLC Com G29183103 177,424 497 SH DFND 0 497 0 0
LINDE PLC Com G54950103 2,399,856 5,115 SH SOLE 0 5,090 0 25
LINDE PLC Com G54950103 105,566 225 SH DFND 0 225 0 0
MEDTRONIC PLC Com G5960L103 7,063,124 81,027 SH SOLE 0 80,852 0 175
TRANE TECHNOLOGIES PLC Com G8994E103 856,011 1,957 SH SOLE 0 1,957 0 0
TRANE TECHNOLOGIES PLC Com G8994E103 1,560,241 3,567 SH DFND 0 3,567 0 0
ASML HOLDING NV Com N07059210 205,156 256 SH SOLE 0 256 0 0