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
ABBVIE INC COM 00287Y109 5,437 25 SH DFND 2 0 0 25
ABBVIE INC COM 00287Y109 441,179 2,029 SH DFND 1 0 0 2,029
ADVANCED MICRO DEVICES INC COM 007903107 250,735 1,233 SH DFND 1 0 0 1,233
ADVANCED MICRO DEVICES INC COM 007903107 4,272 21 SH DFND 2 0 0 21
ALPHABET INC CAP STK CL A 02079K305 57,512 200 SH SOLE 0 0 200
ALPHABET INC CAP STK CL A 02079K305 76,203 265 SH DFND 2 0 0 265
ALPHABET INC CAP STK CL A 02079K305 657,977 2,288 SH DFND 1 0 0 2,288
ALPHABET INC CAP STK CL C 02079K107 893,278 3,114 SH DFND 1 0 0 3,114
ALPHABET INC CAP STK CL C 02079K107 17,212 60 SH DFND 2 0 0 60
ALPHABET INC CAP STK CL C 02079K107 57,372 200 SH SOLE 0 0 200
AMAZON COM INC COM 023135106 1,111,116 5,335 SH DFND 1 0 0 5,335
AMAZON COM INC COM 023135106 47,902 230 SH DFND 2 0 0 230
AMAZON COM INC COM 023135106 161,409 775 SH SOLE 0 0 775
AMERICAN EXPRESS CO COM 025816109 232,352 768 SH DFND 1 0 0 768
APPLE INC COM 037833100 25,887 102 SH SOLE 0 0 102
APPLE INC COM 037833100 98,724 389 SH DFND 2 0 0 389
APPLE INC COM 037833100 2,271,644 8,951 SH DFND 1 0 0 8,951
ASML HLDG NV N Y REGISTRY SHS N07059210 303,379 230 SH DFND 1 0 0 230
BANCO SANTANDER SA ADR 05964H105 125,578 11,133 SH DFND 1 0 0 11,133
BANK AMERICA CORP COM 060505104 342,922 7,034 SH DFND 1 0 0 7,034
BANK AMERICA CORP COM 060505104 21,109 433 SH DFND 2 0 0 433
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 19,168 40 SH DFND 2 0 0 40
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 453,747 947 SH DFND 1 0 0 947
BROADCOM INC COM 11135F101 37,760 122 SH DFND 2 0 0 122
BROADCOM INC COM 11135F101 981,516 3,171 SH DFND 1 0 0 3,171
CHEVRON CORPORATION COM 166764100 461,763 2,232 SH DFND 1 0 0 2,232
CHEVRON CORPORATION COM 166764100 6,414 31 SH DFND 2 0 0 31
CHEVRON CORPORATION COM 166764100 52,966 256 SH SOLE 0 0 256
CHUBB LTD SWITZ COM H1467J104 350,488 1,075 SH DFND 1 0 0 1,075
CISCO SYS INC COM 17275R102 23,277 300 SH SOLE 0 0 300
CISCO SYS INC COM 17275R102 4,655 60 SH DFND 2 0 0 60
CISCO SYS INC COM 17275R102 215,125 2,773 SH DFND 1 0 0 2,773
COSTCO WHOLESALE CORPORATION COM 22160K105 474,617 476 SH DFND 1 0 0 476
COSTCO WHOLESALE CORPORATION COM 22160K105 498,215 500 SH SOLE 0 0 500
COSTCO WHOLESALE CORPORATION COM 22160K105 7,971 8 SH DFND 2 0 0 8
DANAHER CORP DEL COM 235851102 116,541 615 SH DFND 1 0 0 615
DANAHER CORP DEL COM 235851102 8,334,816 43,960 SH SOLE 0 0 43,960
DISNEY WALT CO COM 254687106 19,276 200 SH SOLE 0 0 200
DISNEY WALT CO COM 254687106 4,337 45 SH DFND 2 0 0 45
DISNEY WALT CO COM 254687106 177,611 1,843 SH DFND 1 0 0 1,843
EATON CORP PLC SHS G29183103 25,395 71 SH DFND 2 0 0 71
EATON CORP PLC SHS G29183103 227,833 637 SH DFND 1 0 0 637
ELI LILLY & CO COM 532457108 17,476 19 SH DFND 2 0 0 19
ELI LILLY & CO COM 532457108 570,846 621 SH DFND 1 0 0 621
EQUINOR ASA SPONSORED ADR 29446M102 203,658 4,826 SH DFND 1 0 0 4,826
EXXON MOBIL CORP COM 30231G102 20,698 122 SH DFND 2 0 0 122
EXXON MOBIL CORP COM 30231G102 44,790 264 SH SOLE 0 0 264
EXXON MOBIL CORP COM 30231G102 630,706 3,717 SH DFND 1 0 0 3,717
FLEXSHARES TR MORNSTAR UPSTR 33939L407 311,654 5,650 SH SOLE 0 0 5,650
FORTIVE CORP COM 34959J108 630,192 11,400 SH SOLE 0 0 11,400
GE AEROSPACE COM NEW 369604301 70,943 250 SH SOLE 0 0 250
GE AEROSPACE COM NEW 369604301 195,423 689 SH DFND 1 0 0 689
GE AEROSPACE COM NEW 369604301 4,824 17 SH DFND 2 0 0 17
HOME DEPOT INC COM 437076102 5,591 17 SH DFND 2 0 0 17
HOME DEPOT INC COM 437076102 480,681 1,462 SH DFND 1 0 0 1,462
INTERCONTINENTAL EXCHANGE IN COM 45866F104 33,029 210 SH DFND 2 0 0 210
INTERCONTINENTAL EXCHANGE IN COM 45866F104 241,111 1,533 SH DFND 1 0 0 1,533
INTERCONTINENTAL EXCHANGE IN COM 45866F104 78,640 500 SH SOLE 0 0 500
INTERNATIONAL BUSINESS MACHS COM 459200101 209,893 866 SH DFND 1 0 0 866
INTERNATIONAL BUSINESS MACHS COM 459200101 242 1 SH DFND 2 0 0 1
ISHARES GOLD TR ISHARES NEW 464285204 451,115 5,117 SH SOLE 0 0 5,117
ISHARES INC CORE MSCI EMKT 46434G103 1,432,319 20,535 SH SOLE 0 0 20,535
ISHARES TR 20 YR TR BD ETF 464287432 15,230,193 175,686 SH SOLE 0 0 175,686
ISHARES TR 3 7 YR TREAS BD 464288661 1,406,878 11,862 SH SOLE 0 0 11,862
ISHARES TR CORE MSCI INTL 46435G326 3,126,940 37,417 SH SOLE 0 0 37,417
ISHARES TR CORE S&P MCP ETF 464287507 3,317,018 49,119 SH SOLE 0 0 49,119
ISHARES TR CORE S&P SCP ETF 464287804 1,486,252 11,956 SH SOLE 0 0 11,956
ISHARES TR CORE S&P500 ETF 464287200 43,344,402 66,356 SH SOLE 0 0 66,356
ISHARES TR CRE U S REIT ETF 464288521 1,126,208 19,027 SH SOLE 0 0 19,027
ISHARES TR GLOBAL REIT ETF 46434V647 506,044 20,121 SH SOLE 0 0 20,121
ISHARES TR RUS 1000 GRW ETF 464287614 3,697,713 8,672 SH SOLE 0 0 8,672
ISHARES TR RUS 1000 VAL ETF 464287598 2,505,203 11,725 SH SOLE 0 0 11,725
ISHARES TR RUS MID CAP ETF 464287499 126,399 1,300 SH DFND 1 0 0 1,300
ISHARES TR RUS MID CAP ETF 464287499 351,001 3,610 SH SOLE 0 0 3,610
ISHARES TR S&P 500 GRWT ETF 464287309 3,276,808 28,970 SH SOLE 0 0 28,970
ISHARES TR S&P 500 VAL ETF 464287408 3,256,949 15,425 SH SOLE 0 0 15,425
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 507,726 15,017 SH SOLE 0 0 15,017
J P MORGAN EXCHANGE TRADED F BETABUILDERS CDA 46641Q225 528,666 5,621 SH DFND 2 0 0 5,621
J P MORGAN EXCHANGE TRADED F BETABUILDERS CDA 46641Q225 517,932 5,506 SH SOLE 0 0 5,506
J P MORGAN EXCHANGE TRADED F BETABUILDERS DEV 46641Q233 333,602 5,611 SH SOLE 0 0 5,611
J P MORGAN EXCHANGE TRADED F BETABUILDERS DEV 46641Q233 298,871 5,027 SH DFND 2 0 0 5,027
J P MORGAN EXCHANGE TRADED F BETABUILDERS EUR 46641Q191 2,104,619 29,065 SH SOLE 0 0 29,065
J P MORGAN EXCHANGE TRADED F BETABUILDERS EUR 46641Q191 86,910 1,200 SH DFND 2 0 0 1,200
J P MORGAN EXCHANGE TRADED F BETABUILDERS USD 46641Q878 1,077,280 23,506 SH SOLE 0 0 23,506
J P MORGAN EXCHANGE TRADED F BETABULDRS JAPAN 46641Q217 1,600,617 23,228 SH SOLE 0 0 23,228
J P MORGAN EXCHANGE TRADED F BETABULDRS JAPAN 46641Q217 828,030 12,016 SH DFND 2 0 0 12,016
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670 1,315,555 27,943 SH SOLE 0 0 27,943
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159 2,090,840 45,384 SH SOLE 0 0 45,384
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647 23,443,459 468,963 SH SOLE 0 0 468,963
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 1,529,047 30,212 SH SOLE 0 0 30,212
JOHNSON & JOHNSON COM 478160104 195,552 800 SH SOLE 0 0 800
JOHNSON & JOHNSON COM 478160104 385,360 1,577 SH DFND 1 0 0 1,577
JOHNSON & JOHNSON COM 478160104 9,289 38 SH DFND 2 0 0 38
JPMORGAN CHASE & CO COM 46625H100 701,765 2,386 SH DFND 1 0 0 2,386
JPMORGAN CHASE & CO COM 46625H100 44,124 150 SH SOLE 0 0 150
KLA CORP COM NEW 482480100 636,081 432 SH DFND 1 0 0 432
LAM RESEARCH CORP COM NEW 512807306 330,271 1,546 SH DFND 1 0 0 1,546
LAM RESEARCH CORP COM NEW 512807306 52,774 247 SH DFND 2 0 0 247
MARVELL TECHNOLOGY INC COM 573874104 325,502 3,286 SH DFND 1 0 0 3,286
MASTERCARD INCORPORATED CL A 57636Q104 35,476 71 SH DFND 2 0 0 71
MASTERCARD INCORPORATED CL A 57636Q104 308,147 617 SH DFND 1 0 0 617
MCDONALDS CORP COM 580135101 275,244 886 SH DFND 1 0 0 886
MCDONALDS CORP COM 580135101 27,660 89 SH DFND 2 0 0 89
MERCK & CO INC COM 58933Y105 195,011 1,621 SH DFND 1 0 0 1,621
MERCK & CO INC COM 58933Y105 9,142 76 SH DFND 2 0 0 76
META PLATFORMS INC CL A 30303M102 28,034 49 SH DFND 2 0 0 49
META PLATFORMS INC CL A 30303M102 807,544 1,411 SH DFND 1 0 0 1,411
MICROSOFT CORP COM 594918104 77,366 209 SH DFND 2 0 0 209
MICROSOFT CORP COM 594918104 1,769,422 4,780 SH DFND 1 0 0 4,780
MICROSOFT CORP COM 594918104 370,170 1,000 SH SOLE 0 0 1,000
MORGAN STANLEY COM NEW 617446448 65,499 398 SH DFND 2 0 0 398
MORGAN STANLEY COM NEW 617446448 234,665 1,426 SH DFND 1 0 0 1,426
NETFLIX INC. COM 64110L106 10,000 104 SH DFND 2 0 0 104
NETFLIX INC. COM 64110L106 410,939 4,274 SH DFND 1 0 0 4,274
NOVARTIS AG SPONSORED ADR 66987V109 254,577 1,667 SH DFND 1 0 0 1,667
NOVO-NORDISK A S ADR 670100205 303,807 8,267 SH DFND 1 0 0 8,267
NVIDIA CORPORATION COM 67066G104 4,096,477 23,489 SH DFND 1 0 0 23,489
NVIDIA CORPORATION COM 67066G104 182,422 1,046 SH SOLE 0 0 1,046
NVIDIA CORPORATION COM 67066G104 121,382 696 SH DFND 2 0 0 696
PALO ALTO NETWORKS INC COM 697435105 222,526 1,388 SH DFND 1 0 0 1,388
PDD HOLDINGS INC SPONSORED ADS 722304102 282,177 2,762 SH DFND 1 0 0 2,762
PHILIP MORRIS INTL INC COM 718172109 47,287 286 SH DFND 2 0 0 286
PHILIP MORRIS INTL INC COM 718172109 312,632 1,891 SH DFND 1 0 0 1,891
PROCTER & GAMBLE CO COM 742718109 5,778 40 SH DFND 2 0 0 40
PROCTER & GAMBLE CO COM 742718109 226,590 1,569 SH DFND 1 0 0 1,569
RTX CORPORATION COM 75513E101 10,417 54 SH DFND 2 0 0 54
RTX CORPORATION COM 75513E101 268,425 1,392 SH DFND 1 0 0 1,392
SANOFI SA SPONSORED ADR 80105N105 225,962 4,690 SH DFND 1 0 0 4,690
SELECT SECTOR SPDR TR STATE STREET FIN 81369Y605 672,633 13,624 SH DFND 2 0 0 13,624
SHELL PLC SPON ADS 780259305 235,604 2,533 SH DFND 1 0 0 2,533
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 130,068 200 SH DFND 1 0 0 200
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 836,252 1,286 SH SOLE 0 0 1,286
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 370,679 1,097 SH DFND 1 0 0 1,097
TESLA INC COM 88160R101 492,503 1,325 SH DFND 1 0 0 1,325
TESLA INC COM 88160R101 30,855 83 SH DFND 2 0 0 83
TJX COS INC NEW COM 872540109 328,967 2,060 SH DFND 1 0 0 2,060
VALE S A SPONSORED ADS 91912E105 171,498 10,779 SH DFND 1 0 0 10,779
VANGUARD INDEX FDS MID CAP ETF 922908629 646,155 2,250 SH SOLE 0 0 2,250
VANGUARD INDEX FDS TOTAL STK MKT 922908769 751,647 2,343 SH SOLE 0 0 2,343
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 333,076 6,676 SH SOLE 0 0 6,676
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 3,790,537 63,653 SH SOLE 0 0 63,653
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 281,868 5,092 SH SOLE 0 0 5,092
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 5,866,331 91,547 SH SOLE 0 0 91,547
VERALTO CORP COM SHS 92338C103 35,896 406 SH DFND 1 0 0 406
VERALTO CORP COM SHS 92338C103 1,301,985 14,725 SH SOLE 0 0 14,725
VISA INC COM CL A 92826C839 8,160 27 SH DFND 2 0 0 27
VISA INC COM CL A 92826C839 253,894 840 SH DFND 1 0 0 840
VONTIER CORPORATION COM 928881101 266,025 7,500 SH SOLE 0 0 7,500
VONTIER CORPORATION COM 928881101 21,602 609 SH DFND 1 0 0 609
WALMART INC COM 931142103 10,564 85 SH DFND 2 0 0 85
WALMART INC COM 931142103 392,880 3,161 SH DFND 1 0 0 3,161
WELLS FARGO & CO COM 949746101 288,662 3,626 SH DFND 1 0 0 3,626