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
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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 428,738 2,648 SH DFND 1 0 0 2,648
Alphabet Inc. Class A COM 02079k305 142,948 400 SH DFND 1 400 0 0
American Express Co. COM 025816109 4,024,837 11,899 SH DFND 1 0 0 11,899
Ameriprise Financial Inc. COM 03076c106 1,777,695 3,875 SH DFND 1 0 0 3,875
Apple Inc. COM 037833100 124,425 430 SH DFND 1 430 0 0
Applied Materials Inc. COM 038222105 3,615 5 SH DFND 1 5 0 0
AT&T Inc. COM 00206r102 136,227 6,581 SH DFND 1 0 0 6,581
Berkshire Hathaway Inc. Class COM 084670702 250,195 500 SH DFND 1 500 0 0
Coca-Cola Co. COM 191216100 1,433,359 17,637 SH DFND 1 17,637 0 0
Corning Inc. COM 219350105 332,059 1,300 SH DFND 1 1,300 0 0
Danaher Corp. COM 235851102 26,667 140 SH DFND 1 140 0 0
DFA U.S. Small Cap ETF COM 25434v500 1,739,597 21,127 SH DFND 1 21,127 0 0
Dimensional US Marketwide Valu COM 25434v724 1,247,187 22,672 SH DFND 1 22,672 0 0
EMCOR Group Inc. COM 29084q100 49,793 60 SH DFND 1 60 0 0
ExxonMobil Holdings Corp COM 30233q108 788,191 5,765 SH DFND 1 1,265 0 4,500
Fair Isaac Corp. COM 303250104 9,567,798 8,008 SH DFND 1 8,008 0 0
Fidelity Wise Origin Bitcoin E COM 315948109 47,732 935 SH DFND 1 935 0 0
Flex Ltd. COM y2573f102 32,414 200 SH DFND 1 200 0 0
GE Aerospace COM 369604301 602,826 1,613 SH DFND 1 0 0 1,613
GE HealthCare Technologies Inc COM 36266g107 34,373 537 SH DFND 1 0 0 537
GE Vernova Inc COM 36828a101 473,469 403 SH DFND 1 0 0 403
Gen Digital Inc. COM 668771108 41,815 1,680 SH DFND 1 0 0 1,680
Honeywell Aerospace Inc COM 43849r105 13,265 60 SH DFND 1 60 0 0
Honeywell International Inc COM 438516205 13,434 60 SH DFND 1 60 0 0
International Business Machine COM 459200101 476,370 1,694 SH DFND 1 639 0 1,055
Invesco QQQ Trust ETF COM 46090e103 109,724 149 SH DFND 1 149 0 0
iShares Core S&P 500 ETF COM 464287200 29,398,426 39,256 SH DFND 1 38,219 0 1,037
iShares Core S&P MidCap ETF COM 464287507 2,199,100 28,519 SH DFND 1 28,519 0 0
iShares Core S&P US Value ETF COM 464287663 187,806 1,705 SH DFND 1 1,705 0 0
iShares MSCI EAFE ETF COM 464287465 1,749,859 16,845 SH DFND 1 16,845 0 0
iShares MSCI EAFE Small Cap ET COM 464288273 85,232 1,036 SH DFND 1 1,036 0 0
iShares MSCI Emerging Mkts ETF COM 464287234 55,412 810 SH DFND 1 810 0 0
iShares Russell 1000 Index ETF COM 464287622 6,128,987 14,967 SH DFND 1 14,967 0 0
iShares Russell 2000 ETF COM 464287655 1,491,434 4,964 SH DFND 1 4,964 0 0
iShares Russell 2000 Value Ind COM 464287630 517,829 2,341 SH DFND 1 2,341 0 0
iShares Russell Midcap ETF COM 464287499 227,480 2,062 SH DFND 1 2,062 0 0
iShares S&P Global Infrastruct COM 464288372 462,604 6,946 SH DFND 1 6,946 0 0
iShares S&P MidCap 400 Growth COM 464287606 4,347,853 37,003 SH DFND 1 30,241 0 6,762
iShares S&P MidCap 400 Value I COM 464287705 4,199,668 28,428 SH DFND 1 23,199 0 5,229
iShares S&P Small Cap 600 Inde COM 464287804 1,734,930 11,698 SH DFND 1 11,698 0 0
Johnson & Johnson COM 478160104 233,652 920 SH DFND 1 920 0 0
Kyndryl Holdings Inc. COM 50155q100 1,889 167 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 17,956 4,081 SH DFND 1 4,081 0 0
Nike Inc. B COM 654106103 13,957 340 SH DFND 1 340 0 0
Nuveen Muni Value Fund Inc. CE COM 670928100 841,556 91,275 SH DFND 1 91,275 0 0
NVIDIA Corp. COM 67066g104 50,023 250 SH DFND 1 250 0 0
Oracle Corp. COM 68389x105 52,465 358 SH DFND 1 358 0 0
Pfizer Inc. COM 717081103 29,522 1,226 SH DFND 1 0 0 1,226
Procter & Gamble Co. COM 742718109 672,051 4,583 SH DFND 1 0 0 4,583
Schwab High Yield Bond ETF COM 808524631 44,768 1,710 SH DFND 1 1,710 0 0
Solstice Advanced Materials In COM 83443q103 2,658 30 SH DFND 1 30 0 0
Solventum Corp COM 83444m101 51,073 662 SH DFND 1 0 0 662
SPDR Gold MiniShares COM 98149e303 86,171 1,085 SH DFND 1 1,085 0 0
SPDR Gold Shares ETF COM 78463v107 822,224 2,232 SH DFND 1 2,232 0 0
SPDR S&P 500 ETF COM 78462f103 235,233 315 SH DFND 1 0 0 315
SPDR S&P 600 Small Cap Value E COM 78464a300 46,917 430 SH DFND 1 430 0 0
Thermo Fisher Scientific Inc. COM 883556102 382,036 762 SH DFND 1 641 0 121
TJX Companies Inc. COM 872540109 78,780 520 SH DFND 1 520 0 0
Vanguard FTSE Developed Market COM 921943858 5,848,343 82,082 SH DFND 1 82,082 0 0
Vanguard FTSE Emerging Markets COM 922042858 383,568 6,426 SH DFND 1 6,426 0 0
Vanguard Global ex-US Real Est COM 922042676 34,086 760 SH DFND 1 760 0 0
Vanguard Interm-Term Bond ETF COM 921937819 137,140 1,788 SH DFND 1 1,788 0 0
Vanguard Mid Cap ETF COM 922908629 259,758 3,224 SH DFND 1 3,224 0 0
Vanguard Real Estate Index ETF COM 922908553 183,024 1,898 SH DFND 1 1,898 0 0
Vanguard Russell 1000 ETF COM 92206c730 422,723 1,248 SH DFND 1 1,248 0 0
Vanguard S&P 500 ETF COM 922908363 922,386 1,343 SH DFND 1 1,343 0 0
Vanguard S&P Mid-Cap 400 Value COM 921932844 94,792 831 SH DFND 1 831 0 0
Vanguard Small Cap ETF COM 922908751 291,905 963 SH DFND 1 963 0 0
Vanguard Total Bond Market ETF COM 921937835 116,575 1,588 SH DFND 1 1,588 0 0
Vanguard Total Intl Bond ETF COM 92203j407 58,407 1,206 SH DFND 1 1,206 0 0
Vanguard Total Intl Stock ETF COM 921909768 103,357 1,209 SH DFND 1 0 0 1,209
Vanguard Value Index ETF COM 922908744 1,335,039 6,126 SH DFND 1 6,126 0 0
Viatris Inc. COM 92556v106 2,414 152 SH DFND 1 0 0 152
Warner Bros.Discovery Inc. Cla COM 934423104 42,443 1,592 SH DFND 1 0 0 1,592
Westinghouse Air Brake Technol COM 929740108 18,333 68 SH DFND 1 0 0 68