The Securities and Exchange Commission has not necessarily
reviewed the information in this filing and has not determined
if it is accurate and complete.
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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 | 423,945 | 2,648 | SH | DFND | 1 | 0 | 0 | 2,648 | |
| Alphabet Inc. Class A | COM | 02079k305 | 125,200 | 400 | SH | DFND | 1 | 400 | 0 | 0 | |
| Alphabet Inc. Class C | COM | 02079k107 | 251,040 | 800 | SH | DFND | 1 | 800 | 0 | 0 | |
| Amazon Inc. | COM | 023135106 | 144,263 | 625 | SH | DFND | 1 | 625 | 0 | 0 | |
| American Express Co. | COM | 025816109 | 4,598,479 | 12,430 | SH | DFND | 1 | 0 | 0 | 12,430 | |
| Ameriprise Financial Inc. | COM | 03076c106 | 1,900,068 | 3,875 | SH | DFND | 1 | 0 | 0 | 3,875 | |
| Apple Inc. | COM | 037833100 | 266,423 | 980 | SH | DFND | 1 | 980 | 0 | 0 | |
| Arista Networks Inc | COM | 040413205 | 13,103 | 100 | SH | DFND | 1 | 100 | 0 | 0 | |
| AT&T Inc. | COM | 00206r102 | 163,472 | 6,581 | SH | DFND | 1 | 0 | 0 | 6,581 | |
| Berkshire Hathaway Inc. Class | COM | 084670702 | 251,325 | 500 | SH | DFND | 1 | 500 | 0 | 0 | |
| Carlyle Group Inc. | COM | 14316j108 | 5,970 | 101 | SH | DFND | 1 | 101 | 0 | 0 | |
| Coca-Cola Co. | COM | 191216100 | 1,251,459 | 17,901 | SH | DFND | 1 | 17,901 | 0 | 0 | |
| CVS Health Corp. | COM | 126650100 | 16,904 | 213 | SH | DFND | 1 | 213 | 0 | 0 | |
| Danaher Corp. | COM | 235851102 | 32,049 | 140 | SH | DFND | 1 | 140 | 0 | 0 | |
| DFA U.S. Small Cap ETF | COM | 25434v500 | 1,471,918 | 21,127 | SH | DFND | 1 | 21,127 | 0 | 0 | |
| Dimensional US Marketwide Valu | COM | 25434v724 | 1,056,288 | 22,672 | SH | DFND | 1 | 22,672 | 0 | 0 | |
| Dollar General Corp. | COM | 256677105 | 13,277 | 100 | SH | DFND | 1 | 100 | 0 | 0 | |
| Exxon Mobil Corp. | COM | 30231g102 | 693,760 | 5,765 | SH | DFND | 1 | 1,265 | 0 | 4,500 | |
| Fair Isaac Corp. | COM | 303250104 | 13,538,485 | 8,008 | SH | DFND | 1 | 8,008 | 0 | 0 | |
| Fidelity Wise Origin Bitcoin E | COM | 315948109 | 71,275 | 935 | SH | DFND | 1 | 935 | 0 | 0 | |
| GE Aerospace | COM | 369604301 | 496,852 | 1,613 | SH | DFND | 1 | 0 | 0 | 1,613 | |
| GE HealthCare Technologies Inc | COM | 36266g107 | 44,045 | 537 | SH | DFND | 1 | 0 | 0 | 537 | |
| GE Vernova Inc | COM | 36828a101 | 263,389 | 403 | SH | DFND | 1 | 0 | 0 | 403 | |
| Gen Digital Inc. | COM | 668771108 | 45,679 | 1,680 | SH | DFND | 1 | 0 | 0 | 1,680 | |
| Hewlett-Packard | COM | 40434l105 | 6,528 | 293 | SH | DFND | 1 | 293 | 0 | 0 | |
| Hewlett Packard Enterprise Co. | COM | 42824c109 | 5,356 | 223 | SH | DFND | 1 | 223 | 0 | 0 | |
| Honeywell International Inc. | COM | 438516106 | 23,411 | 120 | SH | DFND | 1 | 120 | 0 | 0 | |
| International Business Machine | COM | 459200101 | 248,224 | 838 | SH | DFND | 1 | 0 | 0 | 838 | |
| Invesco QQQ Trust ETF | COM | 46090e103 | 267,225 | 435 | SH | DFND | 1 | 435 | 0 | 0 | |
| iShares Core S&P 500 ETF | COM | 464287200 | 26,904,443 | 39,280 | SH | DFND | 1 | 38,243 | 0 | 1,037 | |
| iShares Core S&P MidCap ETF | COM | 464287507 | 1,882,254 | 28,519 | SH | DFND | 1 | 28,519 | 0 | 0 | |
| iShares Core S&P US Value ETF | COM | 464287663 | 174,831 | 1,705 | SH | DFND | 1 | 1,705 | 0 | 0 | |
| iShares MSCI EAFE ETF | COM | 464287465 | 1,617,625 | 16,845 | SH | DFND | 1 | 16,845 | 0 | 0 | |
| iShares MSCI EAFE Small Cap ET | COM | 464288273 | 80,321 | 1,036 | SH | DFND | 1 | 1,036 | 0 | 0 | |
| iShares MSCI Emerging Mkts ETF | COM | 464287234 | 44,315 | 810 | SH | DFND | 1 | 810 | 0 | 0 | |
| iShares Russell 1000 Index ETF | COM | 464287622 | 5,589,276 | 14,967 | SH | DFND | 1 | 14,967 | 0 | 0 | |
| iShares Russell 2000 ETF | COM | 464287655 | 1,236,708 | 5,024 | SH | DFND | 1 | 5,024 | 0 | 0 | |
| iShares Russell 2000 Value Ind | COM | 464287630 | 424,213 | 2,341 | SH | DFND | 1 | 2,341 | 0 | 0 | |
| iShares Russell Midcap ETF | COM | 464287499 | 198,509 | 2,062 | SH | DFND | 1 | 2,062 | 0 | 0 | |
| iShares S&P Global Infrastruct | COM | 464288372 | 426,207 | 6,946 | SH | DFND | 1 | 6,946 | 0 | 0 | |
| iShares S&P MidCap 400 Growth | COM | 464287606 | 2,679,991 | 27,663 | SH | DFND | 1 | 20,641 | 0 | 7,022 | |
| iShares S&P MidCap 400 Value I | COM | 464287705 | 2,694,700 | 20,478 | SH | DFND | 1 | 15,276 | 0 | 5,202 | |
| iShares S&P Small Cap 600 Inde | COM | 464287804 | 1,412,355 | 11,752 | SH | DFND | 1 | 11,752 | 0 | 0 | |
| Johnson & Johnson | COM | 478160104 | 190,394 | 920 | SH | DFND | 1 | 920 | 0 | 0 | |
| JPMorgan Chase & Co. | COM | 46625h100 | 7,089 | 22 | SH | DFND | 1 | 22 | 0 | 0 | |
| KeyCorp | COM | 493267108 | 24,768 | 1,200 | SH | DFND | 1 | 1,200 | 0 | 0 | |
| Kyndryl Holdings Inc. | COM | 50155q100 | 4,436 | 167 | SH | DFND | 1 | 0 | 0 | 167 | |
| L3Harris Technologies Inc. | COM | 502431109 | 1,468 | 5 | SH | DFND | 1 | 5 | 0 | 0 | |
| Lamb Weston Holdings Inc. | COM | 513272104 | 3,477 | 83 | SH | DFND | 1 | 83 | 0 | 0 | |
| Lear Corp. | COM | 521865204 | 2,865 | 25 | SH | DFND | 1 | 25 | 0 | 0 | |
| Lehman Brothers Holding Escrow | COM | 524esc100 | 0 | 7,875 | SH | DFND | 1 | 0 | 0 | 7,875 | |
| MFS Multimarket Income Trust C | COM | 552737108 | 18,516 | 3,982 | SH | DFND | 1 | 3,982 | 0 | 0 | |
| Micron Technology Inc. | COM | 595112103 | 3,710 | 13 | SH | DFND | 1 | 13 | 0 | 0 | |
| Microsoft Corp. | COM | 594918104 | 19,828 | 41 | SH | DFND | 1 | 41 | 0 | 0 | |
| Nike Inc. B | COM | 654106103 | 21,661 | 340 | SH | DFND | 1 | 340 | 0 | 0 | |
| Nuveen Muni Value Fund Inc. CE | COM | 670928100 | 827,703 | 91,358 | SH | DFND | 1 | 91,358 | 0 | 0 | |
| NVIDIA Corp. | COM | 67066g104 | 27,975 | 150 | SH | DFND | 1 | 150 | 0 | 0 | |
| Oracle Corp. | COM | 68389x105 | 69,778 | 358 | SH | DFND | 1 | 358 | 0 | 0 | |
| Pfizer Inc. | COM | 717081103 | 30,527 | 1,226 | SH | DFND | 1 | 0 | 0 | 1,226 | |
| Procter & Gamble Co. | COM | 742718109 | 656,790 | 4,583 | SH | DFND | 1 | 0 | 0 | 4,583 | |
| Raytheon Technologies Co. | COM | 75513e101 | 7,519 | 41 | SH | DFND | 1 | 41 | 0 | 0 | |
| Schwab High Yield Bond ETF | COM | 808524631 | 19,498 | 738 | SH | DFND | 1 | 738 | 0 | 0 | |
| Sempra Energy | COM | 816851109 | 3,178 | 36 | SH | DFND | 1 | 36 | 0 | 0 | |
| Solstice Advanced Materials In | COM | 83443q103 | 1,457 | 30 | SH | DFND | 1 | 30 | 0 | 0 | |
| Solventum Corp | COM | 83444m101 | 52,457 | 662 | SH | DFND | 1 | 0 | 0 | 662 | |
| SPDR Dow Jones Industrial Aver | COM | 78467x109 | 48,057 | 100 | SH | DFND | 1 | 100 | 0 | 0 | |
| SPDR Gold Shares ETF | COM | 78463v107 | 884,564 | 2,232 | SH | DFND | 1 | 2,232 | 0 | 0 | |
| SPDR S&P 500 ETF | COM | 78462f103 | 233,899 | 343 | SH | DFND | 1 | 175 | 0 | 168 | |
| SPDR S&P 600 Small Cap Value E | COM | 78464a300 | 39,117 | 430 | SH | DFND | 1 | 430 | 0 | 0 | |
| Thermo Fisher Scientific Inc. | COM | 883556102 | 60,842 | 105 | SH | DFND | 1 | 105 | 0 | 0 | |
| TJX Companies Inc. | COM | 872540109 | 79,877 | 520 | SH | DFND | 1 | 520 | 0 | 0 | |
| Vanguard Dividend Appreciation | COM | 921908844 | 21,978 | 100 | SH | DFND | 1 | 100 | 0 | 0 | |
| Vanguard FTSE Developed Market | COM | 921943858 | 5,016,216 | 80,298 | SH | DFND | 1 | 80,298 | 0 | 0 | |
| Vanguard FTSE Emerging Markets | COM | 922042858 | 309,012 | 5,748 | SH | DFND | 1 | 5,748 | 0 | 0 | |
| Vanguard Global ex-US Real Est | COM | 922042676 | 15,036 | 328 | SH | DFND | 1 | 328 | 0 | 0 | |
| Vanguard Interm-Term Bond ETF | COM | 921937819 | 59,968 | 770 | SH | DFND | 1 | 770 | 0 | 0 | |
| Vanguard Mid Cap ETF | COM | 922908629 | 233,917 | 806 | SH | DFND | 1 | 806 | 0 | 0 | |
| Vanguard Real Estate Index ETF | COM | 922908553 | 104,595 | 1,182 | SH | DFND | 1 | 1,182 | 0 | 0 | |
| Vanguard Russell 1000 ETF | COM | 92206c730 | 394,953 | 1,278 | SH | DFND | 1 | 1,278 | 0 | 0 | |
| Vanguard S&P 500 ETF | COM | 922908363 | 807,116 | 1,287 | SH | DFND | 1 | 1,287 | 0 | 0 | |
| Vanguard S&P Mid-Cap 400 Value | COM | 921932844 | 83,939 | 831 | SH | DFND | 1 | 831 | 0 | 0 | |
| Vanguard Small Cap ETF | COM | 922908751 | 195,784 | 759 | SH | DFND | 1 | 759 | 0 | 0 | |
| Vanguard Total Bond Market ETF | COM | 921937835 | 50,960 | 688 | SH | DFND | 1 | 688 | 0 | 0 | |
| Vanguard Total Intl Bond ETF | COM | 92203j407 | 25,513 | 528 | SH | DFND | 1 | 528 | 0 | 0 | |
| Vanguard Total Intl Stock ETF | COM | 921909768 | 91,207 | 1,209 | SH | DFND | 1 | 0 | 0 | 1,209 | |
| Vanguard Value Index ETF | COM | 922908744 | 1,201,900 | 6,293 | SH | DFND | 1 | 6,293 | 0 | 0 | |
| Viatris Inc. | COM | 92556v106 | 1,892 | 152 | SH | DFND | 1 | 0 | 0 | 152 | |
| Walt Disney Co. | COM | 254687106 | 3,754 | 33 | SH | DFND | 1 | 33 | 0 | 0 | |
| Warner Bros.Discovery Inc. Cla | COM | 934423104 | 45,881 | 1,592 | SH | DFND | 1 | 0 | 0 | 1,592 | |
| Wells Fargo & Co. | COM | 949746101 | 27,214 | 292 | SH | DFND | 1 | 292 | 0 | 0 | |
| WESCO International Inc | COM | 95082p105 | 3,670 | 15 | SH | DFND | 1 | 15 | 0 | 0 | |
| Western Digital Corp. | COM | 958102105 | 9,130 | 53 | SH | DFND | 1 | 53 | 0 | 0 | |
| Westinghouse Air Brake Technol | COM | 929740108 | 14,515 | 68 | SH | DFND | 1 | 0 | 0 | 68 | |