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 314,143 14,397 SH DFND 5 0 14,397 0
ABBOTT LABORATORIES COM 002824100 382,243 4,123 SH DFND 5 0 4,123 0
ABBVIE INC COM 00287Y109 862,111 3,390 SH DFND 5 0 3,390 0
ADOBE INC COM 00724F101 651,452 3,157 SH DFND 5 0 3,157 0
AIRBNB INC COM CL A 009066101 1,383,840 9,403 SH DFND 5 0 9,403 0
AIR PRODUCTS AND CHEMICALS I COM 009158106 1,834,733 6,763 SH DFND 5 0 6,763 0
ALLSTATE CORP COM 020002101 248,139 1,028 SH DFND 5 0 1,028 0
ALPHABET INC CAP STK CL C 02079K107 3,730,594 10,620 SH DFND 5 0 10,620 0
ALPHABET INC CAP STK CL A 02079K305 5,712,561 16,153 SH DFND 5 0 16,153 0
ALTRIA GROUP INC COM 02209S103 212,301 2,867 SH DFND 5 0 2,867 0
AMAZON COM INC COM 023135106 6,243,952 26,001 SH DFND 5 0 26,001 0
AMERICAN EXPRESS CO COM 025816109 284,976 836 SH DFND 5 0 836 0
AMERICAN TOWER CORP COM 03027X100 1,508,584 8,944 SH DFND 5 0 8,944 0
CENCORA INC COM 03073E105 932,149 3,309 SH DFND 5 0 3,309 0
AMGEN INC COM 031162100 1,130,685 3,137 SH DFND 5 0 3,137 0
AMPHENOL CORP CL A 032095101 281,749 1,693 SH DFND 5 0 1,693 0
ANALOG DEVICES INC COM 032654105 2,566,551 6,551 SH DFND 5 0 6,551 0
ELEVANCE HEALTH INC FORMERLY COM 036752103 3,740,803 9,641 SH DFND 5 0 9,641 0
APPLE INC COM 037833100 1,489,841 5,288 SH DFND 5 0 5,288 0
APPLIED MATLS INC COM 038222105 7,292,331 10,498 SH DFND 5 0 10,498 0
ARISTA NETWORKS INC COM SHS 040413205 262,232 1,598 SH DFND 5 0 1,598 0
AUTODESK INC COM 052769106 808,684 4,142 SH DFND 5 0 4,142 0
BANK OF AMER CORP COM 060505104 554,577 9,581 SH DFND 5 0 9,581 0
BANK OF NY MELLON CORP COM 064058100 1,753,425 12,195 SH DFND 5 0 12,195 0
BECTON DICKINSON & CO COM 075887109 2,357,103 15,189 SH DFND 5 0 15,189 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,923,920 5,895 SH DFND 5 0 5,895 0
BLACKSTONE INC COM 09260D107 252,391 2,197 SH DFND 5 0 2,197 0
BLACKROCK INC COM 09290D101 1,020,483 1,074 SH DFND 5 0 1,074 0
BOOKING HOLDINGS INC COM 09857L108 4,013,622 22,003 SH DFND 5 0 22,003 0
BROADCOM INC COM 11135F101 1,452,927 3,901 SH DFND 5 0 3,901 0
BROOKFIELD CORP CL A LTD VT SH 11271J107 297,418 7,061 SH DFND 5 0 7,061 0
CME GROUP INC COM 12572Q105 382,296 1,749 SH DFND 5 0 1,749 0
CADENCE DESIGN SYSTEM INC COM 127387108 213,569 573 SH DFND 5 0 573 0
CARDINAL HEALTH INC COM 14149Y108 274,724 1,163 SH DFND 5 0 1,163 0
CARMAX INC COM 143130102 263,815 4,965 SH DFND 5 0 4,965 0
CARRIER GLOBAL CORPORATION COM 14448C104 230,350 3,137 SH DFND 5 0 3,137 0
CHEVRON CORPORATION COM 166764100 322,620 1,915 SH DFND 5 0 1,915 0
CISCO SYS INC COM 17275R102 835,788 7,101 SH DFND 5 0 7,101 0
CINTAS CORP COM 172908105 510,960 3,022 SH DFND 5 0 3,022 0
CITIGROUP INC COM NEW 172967424 400,967 2,814 SH DFND 5 0 2,814 0
COCA COLA CO COM 191216100 1,266,157 15,320 SH DFND 5 0 15,320 0
COMCAST CORP NEW CL A 20030N101 1,994,881 82,366 SH DFND 5 0 82,366 0
CONOCOPHILLIPS COM 20825C104 1,537,211 14,752 SH DFND 5 0 14,752 0
COSTCO WHOLESALE CORPORATION COM 22160K105 260,337 275 SH DFND 5 0 275 0
DANAHER CORP DEL COM 235851102 546,724 2,836 SH DFND 5 0 2,836 0
DATADOG INC CL A COM 23804L103 277,404 1,116 SH DFND 5 0 1,116 0
DEXCOM INC COM 252131107 785,316 11,222 SH DFND 5 0 11,222 0
DIAMONDBACK ENERGY INC COM 25278X109 268,824 1,489 SH DFND 5 0 1,489 0
DICKS SPORTING GOODS INC COM 253393102 242,795 1,045 SH DFND 5 0 1,045 0
DISNEY WALT CO COM 254687106 1,690,824 17,143 SH DFND 5 0 17,143 0
DOMINOS PIZZA INC COM 25754A201 323,455 1,100 SH DFND 5 0 1,100 0
DUKE ENERGY CORP NEW COM NEW 26441C204 1,298,700 10,121 SH DFND 5 0 10,121 0
ECOLAB INC COM 278865100 653,373 2,346 SH DFND 5 0 2,346 0
EDISON INTL COM 281020107 783,803 10,388 SH DFND 5 0 10,388 0
ENBRIDGE INC COM 29250N105 2,258,616 40,819 SH DFND 5 0 40,819 0
ENSIGN GROUP INC COM 29358P101 282,686 1,787 SH DFND 5 0 1,787 0
ENTERGY CORP NEW COM 29364G103 1,104,088 9,491 SH DFND 5 0 9,491 0
ENTERPRISE PRODS PARTNERS L COM 293792107 564,051 15,386 SH DFND 5 0 15,386 0
EVERSOURCE ENERGY COM 30040W108 629,922 8,540 SH DFND 5 0 8,540 0
EXXON MOBIL CORP COM 30231G102 8,413,834 61,839 SH DFND 5 0 61,839 0
META PLATFORMS INC CL A 30303M102 4,278,967 7,606 SH DFND 5 0 7,606 0
FAIR ISAAC CORP COM 303250104 242,569 206 SH DFND 5 0 206 0
FASTENAL CO COM 311900104 710,147 14,982 SH DFND 5 0 14,982 0
FERGUSON ENTERPRISES INC COMMON STOCK NEW 31488V107 596,286 2,499 SH DFND 5 0 2,499 0
FIDELITY NATL INFORMATION SV COM 31620M106 942,071 24,349 SH DFND 5 0 24,349 0
FIRST TR EXCHANGE-TRADED FD NASDQ CLN EDGE 33737A108 338,671 1,798 SH DFND 5 0 1,798 0
FIVE BELOW INC COM 33829M101 312,081 1,751 SH DFND 5 0 1,751 0
GALLAGHER ARTHUR J & CO COM 363576109 558,034 2,457 SH DFND 5 0 2,457 0
GENERAC HLDGS INC COM 368736104 244,360 861 SH DFND 5 0 861 0
GENERAL DYNAMICS CORP COM 369550108 1,778,986 5,111 SH DFND 5 0 5,111 0
GENERAL MILLS INC COM 370334104 348,011 9,566 SH DFND 5 0 9,566 0
GENUINE PARTS CO COM 372460105 1,030,364 8,794 SH DFND 5 0 8,794 0
GSK PLC SPONSORED ADR 37733W204 1,664,518 31,519 SH DFND 5 0 31,519 0
GOLDMAN SACHS GROUP INC COM 38141G104 204,042 200 SH DFND 5 0 200 0
GRAND CANYON ED INC COM 38526M106 284,634 2,008 SH DFND 5 0 2,008 0
HEICO CORP NEW COM 422806109 855,424 2,441 SH DFND 5 0 2,441 0
HEICO CORP NEW CL A 422806208 225,215 885 SH DFND 5 0 885 0
HILTON WORLDWIDE HLDGS INC COM 43300A203 375,770 1,130 SH DFND 5 0 1,130 0
HUNTINGTON INGALLS INDS INC COM 446413106 862,683 3,109 SH DFND 5 0 3,109 0
IDEXX LABS INC COM 45168D104 347,819 649 SH DFND 5 0 649 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 1,044,612 8,499 SH DFND 5 0 8,499 0
INTERNATIONAL BUSINESS MACHS COM 459200101 277,444 998 SH DFND 5 0 998 0
INTUITIVE SURGICAL INC COM NEW 46120E602 235,463 580 SH DFND 5 0 580 0
IQVIA HLDGS INC COM 46266C105 2,899,741 15,003 SH DFND 5 0 15,003 0
ISHARES TR CORE S&P500 ETF 464287200 38,821,945 52,167 SH DFND 5 0 52,167 0
ISHARES TR CORE US AGGBD ET 464287226 2,548,641 25,648 SH DFND 5 0 25,648 0
ISHARES TR 20 YR TR BD ETF 464287432 2,711,825 31,010 SH DFND 5 0 31,010 0
ISHARES TR 7-10 YR TRSY BD 464287440 1,224,225 12,879 SH DFND 5 0 12,879 0
ISHARES TR 1 3 YR TREAS BD 464287457 568,109 6,913 SH DFND 5 0 6,913 0
ISHARES TR CORE S&P MCP ETF 464287507 35,510,016 464,001 SH DFND 5 0 464,001 0
ISHARES TR EXPANDED TECH 464287515 488,912 5,439 SH DFND 5 0 5,439 0
ISHARES TR CORE S&P SCP ETF 464287804 36,639,350 248,639 SH DFND 5 0 248,639 0
ISHARES TR JPMORGAN USD EMG 464288281 459,508 4,746 SH DFND 5 0 4,746 0
ISHARES TR IBOXX HI YD ETF 464288513 17,475,704 218,419 SH DFND 5 0 218,419 0
ISHARES TR MBS ETF 464288588 3,496,416 36,816 SH DFND 5 0 36,816 0
ISHARES TR USD INV GRDE ETF 464288620 42,600,963 826,967 SH DFND 5 0 826,967 0
ISHARES TR ISHS 5-10YR INVT 464288638 1,831,468 34,310 SH DFND 5 0 34,310 0
ISHARES TR 3 7 YR TREAS BD 464288661 415,874 3,531 SH DFND 5 0 3,531 0
ISHARES TR TRUST ISHARE 0-1 464288679 308,019 2,791 SH DFND 5 0 2,791 0
ISHARES TR US HLTHCR PR ETF 464288828 654,277 11,825 SH DFND 5 0 11,825 0
ISHARES TR 10+ YR INVST GRD 464289511 559,158 11,077 SH DFND 5 0 11,077 0
JPMORGAN CHASE & CO COM 46625H100 4,803,659 14,585 SH DFND 5 0 14,585 0
JOHNSON & JOHNSON COM 478160104 482,380 1,866 SH DFND 5 0 1,866 0
KADANT INC COM 48282T104 236,583 754 SH DFND 5 0 754 0
KINSALE CAP GROUP INC COM 49714P108 218,801 659 SH DFND 5 0 659 0
L3HARRIS TECHNOLOGIES INC COM 502431109 599,017 2,070 SH DFND 5 0 2,070 0
LAM RESEARCH CORP COM NEW 512807306 510,761 1,243 SH DFND 5 0 1,243 0
ELI LILLY & CO COM 532457108 990,094 805 SH DFND 5 0 805 0
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 1,388,559 241,490 SH DFND 5 0 241,490 0
LOCKHEED MARTIN CORP COM 539830109 4,204,633 8,377 SH DFND 5 0 8,377 0
MARVELL TECHNOLOGY INC COM 573874104 408,293 1,470 SH DFND 5 0 1,470 0
MASCO CORP COM 574599106 1,224,888 15,216 SH DFND 5 0 15,216 0
MASTERCARD INCORPORATED CL A 57636Q104 1,823,696 3,579 SH DFND 5 0 3,579 0
MCKESSON CORP COM 58155Q103 981,133 1,313 SH DFND 5 0 1,313 0
MEDPACE HLDGS INC COM 58506Q109 418,151 782 SH DFND 5 0 782 0
MERCK & CO INC COM 58933Y105 332,895 2,573 SH DFND 5 0 2,573 0
MICROSOFT CORP COM 594918104 6,635,513 18,004 SH DFND 5 0 18,004 0
MICROCHIP TECHNOLOGY INC. COM 595017104 377,793 4,242 SH DFND 5 0 4,242 0
MORGAN STANLEY COM NEW 617446448 467,054 2,206 SH DFND 5 0 2,206 0
MOTOROLA SOLUTIONS INC COM NEW 620076307 204,650 496 SH DFND 5 0 496 0
NETFLIX INC. COM 64110L106 518,452 7,027 SH DFND 5 0 7,027 0
NEXTERA ENERGY INC COM 65339F101 697,045 7,862 SH DFND 5 0 7,862 0
NOVARTIS AG SPONSORED ADR 66987V109 1,578,815 10,020 SH DFND 5 0 10,020 0
NVIDIA CORPORATION COM 67066G104 3,202,772 16,427 SH DFND 5 0 16,427 0
OMNICOM GROUP INC COM 681919106 2,052,186 27,761 SH DFND 5 0 27,761 0
ONEOK INC NEW COM 682680103 307,625 3,467 SH DFND 5 0 3,467 0
ORACLE CORP COM 68389X105 820,216 5,551 SH DFND 5 0 5,551 0
OTIS WORLDWIDE CORP COM 68902V107 341,630 4,685 SH DFND 5 0 4,685 0
PPL CORP COM 69351T106 208,867 5,685 SH DFND 5 0 5,685 0
PALO ALTO NETWORKS INC COM 697435105 558,092 1,681 SH DFND 5 0 1,681 0
PARKER-HANNIFIN CORP COM 701094104 583,093 605 SH DFND 5 0 605 0
PEPSICO INC COM 713448108 574,829 4,145 SH DFND 5 0 4,145 0
PFIZER INC COM 717081103 849,355 34,853 SH DFND 5 0 34,853 0
PHILIP MORRIS INTL INC COM 718172109 4,713,200 25,774 SH DFND 5 0 25,774 0
PLAINS GP HLDGS L P LTD PARTNR INT A 72651A207 425,136 17,642 SH DFND 5 0 17,642 0
POOL CORP COM 73278L105 219,027 1,035 SH DFND 5 0 1,035 0
PRIVIA HEALTH GROUP INC COM 74276R102 318,353 12,460 SH DFND 5 0 12,460 0
PROLOGIS INC. COM 74340W103 346,947 2,498 SH DFND 5 0 2,498 0
QUALCOMM INC COM 747525103 1,278,748 6,776 SH DFND 5 0 6,776 0
RB GLOBAL INC COM 74935Q107 521,321 4,575 SH DFND 5 0 4,575 0
RTX CORPORATION COM 75513E101 1,156,013 6,171 SH DFND 5 0 6,171 0
RESTAURANT BRANDS INTL INC COM 76131D103 216,747 2,959 SH DFND 5 0 2,959 0
ROLLINS INC COM 775711104 480,554 11,366 SH DFND 5 0 11,366 0
S&P GLOBAL INC COM 78409V104 1,098,209 2,688 SH DFND 5 0 2,688 0
SPDR INDEX SHS FDS ST PORT MARK ETF 78463X509 332,092 6,471 SH DFND 5 0 6,471 0
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 1,578,902 31,515 SH DFND 5 0 31,515 0
SPDR SERIES TRUST ST STR PFD ETF 78464A292 2,054,392 67,137 SH DFND 5 0 67,137 0
SPDR SERIES TRUST ST STR P500GRW 78464A409 2,467,371 21,015 SH DFND 5 0 21,015 0
SPDR SERIES TRUST ST LON TREAS ETF 78464A664 42,806,364 1,614,118 SH DFND 5 0 1,614,118 0
SPDR SERIES TRUST ST STR SP BANK 78464A797 600,180 8,799 SH DFND 5 0 8,799 0
SALESFORCE INC COM 79466L302 1,036,210 6,560 SH DFND 5 0 6,560 0
SANOFI SA SPONSORED ADR 80105N105 625,066 14,392 SH DFND 5 0 14,392 0
SLB LIMITED COM STK 806857108 239,738 5,169 SH DFND 5 0 5,169 0
SCHWAB CHARLES CORP COM 808513105 4,526,848 49,992 SH DFND 5 0 49,992 0
SELECT SECTOR SPDR TR ST STR CARE ETF 81369Y209 891,785 5,548 SH DFND 5 0 5,548 0
SELECT SECTOR SPDR TR ST STR DISCR ETF 81369Y407 326,531 2,788 SH DFND 5 0 2,788 0
SELECT SECTOR SPDR TR ST STR FINL ETF 81369Y605 597,850 11,129 SH DFND 5 0 11,129 0
SERVICENOW INC COM 81762P102 517,245 5,174 SH DFND 5 0 5,174 0
STARBUCKS CORP COM 855244109 2,018,670 19,401 SH DFND 5 0 19,401 0
STRYKER CORPORATION COM 863667101 777,383 2,352 SH DFND 5 0 2,352 0
SYSCO CORP COM 871829107 1,196,373 14,345 SH DFND 5 0 14,345 0
TJX COS INC NEW COM 872540109 467,906 3,094 SH DFND 5 0 3,094 0
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 4,074,010 8,952 SH DFND 5 0 8,952 0
TARGA RES CORP COM 87612G101 313,409 1,155 SH DFND 5 0 1,155 0
TESLA INC COM 88160R101 414,723 1,007 SH DFND 5 0 1,007 0
TEXAS INSTRS INC COM 882508104 1,038,576 3,639 SH DFND 5 0 3,639 0
THERMO FISHER SCIENTIFIC INC COM 883556102 414,758 819 SH DFND 5 0 819 0
TRANSDIGM GROUP INC COM 893641100 314,979 238 SH DFND 5 0 238 0
TRAVELERS COMPANIES INC COM 89417E109 260,526 785 SH DFND 5 0 785 0
TRUIST FINL CORP COM 89832Q109 1,435,005 28,372 SH DFND 5 0 28,372 0
TYLER TECHNOLOGIES INC COM 902252105 421,297 1,449 SH DFND 5 0 1,449 0
UBER TECHNOLOGIES INC COM 90353T100 1,011,625 13,399 SH DFND 5 0 13,399 0
UNILEVER PLC SPON ADR NEW 904767803 1,454,846 23,772 SH DFND 5 0 23,772 0
UNITED PARCEL SVCS INC CL B 911312106 1,057,742 9,795 SH DFND 5 0 9,795 0
UNITEDHEALTH GROUP INC COM 91324P102 515,497 1,228 SH DFND 5 0 1,228 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 39,225,511 502,763 SH DFND 5 0 502,763 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 181,845,373 2,467,039 SH DFND 5 0 2,467,039 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,770,116 24,959 SH DFND 5 0 24,959 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 12,059,955 76,113 SH DFND 5 0 76,113 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 10,455,835 67,996 SH DFND 5 0 67,996 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 138,828,452 1,668,213 SH DFND 5 0 1,668,213 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,104,998 52,467 SH DFND 5 0 52,467 0
VEEVA SYS INC CL A COM 922475108 831,265 4,718 SH DFND 5 0 4,718 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 4,628,900 47,161 SH DFND 5 0 47,161 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 267,467,351 783,877 SH DFND 5 0 783,877 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 35,528,578 145,505 SH DFND 5 0 145,505 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,071,855 11,091 SH DFND 5 0 11,091 0
VERIZON COMMUNICATIONS INC COM 92343V104 839,951 19,048 SH DFND 5 0 19,048 0
VERISK ANALYTICS INC COM 92345Y106 284,227 1,586 SH DFND 5 0 1,586 0
VERTIV HOLDINGS CO COM CL A 92537N108 294,384 959 SH DFND 5 0 959 0
VISA INC COM CL A 92826C839 3,873,218 11,338 SH DFND 5 0 11,338 0
WEC ENERGY GROUP INC COM 92939U106 1,032,678 8,720 SH DFND 5 0 8,720 0
WATSCO INC COM 942622200 493,541 1,202 SH DFND 5 0 1,202 0
WELLS FARGO & CO COM 949746101 3,145,822 37,670 SH DFND 5 0 37,670 0
WEST PHARMACEUTICAL SVSC INC COM 955306105 765,399 2,158 SH DFND 5 0 2,158 0
AON PLC SHS CL A G0403H108 763,238 2,330 SH DFND 5 0 2,330 0
ASTRAZENECA PLC ORD G0593M107 398,608 2,105 SH DFND 5 0 2,105 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 795,218 6,375 SH DFND 5 0 6,375 0
JOHNSON CONTROLS INTERNATION SHS G51502105 602,757 4,291 SH DFND 5 0 4,291 0
LINDE PLC SHS G54950103 350,076 685 SH DFND 5 0 685 0
MEDTRONIC PLC SHS G5960L103 2,313,101 28,582 SH DFND 5 0 28,582 0
TRANE TECHNOLOGIES PLC SHS G8994E103 215,677 449 SH DFND 5 0 449 0
VIKING HOLDINGS LTD ORD SHS G93A5A101 208,955 1,991 SH DFND 5 0 1,991 0
CHUBB LIMITED COM H1467J104 278,065 810 SH DFND 5 0 810 0
AMRIZE LTD SHS H2927K103 659,060 12,400 SH DFND 5 0 12,400 0
SPOTIFY TECHNOLOGY S A SHS L8681T102 277,836 601 SH DFND 5 0 601 0
CHECK POINT SOFTWARE TECH LT ORD M22465104 976,968 7,587 SH DFND 5 0 7,587 0
NXP SEMICONDUCTORS N V COM N6596X109 221,861 797 SH DFND 5 0 797 0